0001839882-25-014778.txt : 20250310 0001839882-25-014778.hdr.sgml : 20250310 20250310164142 ACCESSION NUMBER: 0001839882-25-014778 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 141 CONFORMED PERIOD OF REPORT: 20241231 FILED AS OF DATE: 20250310 DATE AS OF CHANGE: 20250310 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Western New England Bancorp, Inc. CENTRAL INDEX KEY: 0001157647 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] ORGANIZATION NAME: 02 Finance IRS NUMBER: 731627673 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-16767 FILM NUMBER: 25724397 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-K 1 wneb-10k_123124.htm ANNUAL REPORT
false 2024 FY --12-31 true false 0001157647 http://fasb.org/us-gaap/2024#OtherAssets http://fasb.org/us-gaap/2024#OtherAssets http://fasb.org/us-gaap/2024#OtherLiabilities http://fasb.org/us-gaap/2024#OtherLiabilities http://fasb.org/us-gaap/2024#InterestReceivable http://fasb.org/us-gaap/2024#InterestReceivable 665 665 825 1193 321 4995 5999 5381 6421 12487 12487 P3Y P1Y P3Y P3Y P3Y 1143 http://fasb.org/us-gaap/2024#FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss http://fasb.org/us-gaap/2024#OtherAssets http://fasb.org/us-gaap/2024#OtherLiabilities http://fasb.org/us-gaap/2024#OtherAssets http://fasb.org/us-gaap/2024#OtherLiabilities P5Y 18773 22393 1 1143 0001157647 2024-01-01 2024-12-31 0001157647 2024-06-28 0001157647 2025-03-03 0001157647 2024-10-01 2024-12-31 0001157647 2024-12-31 0001157647 2023-12-31 0001157647 2023-01-01 2023-12-31 0001157647 2022-01-01 2022-12-31 0001157647 us-gaap:CommonStockMember 2021-12-31 0001157647 us-gaap:AdditionalPaidInCapitalMember 2021-12-31 0001157647 wneb:EmployeeStockOwnershipPlanESOPPlanMember 2021-12-31 0001157647 us-gaap:DeferredCompensationShareBasedPaymentsMember 2021-12-31 0001157647 us-gaap:RetainedEarningsMember 2021-12-31 0001157647 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2021-12-31 0001157647 2021-12-31 0001157647 us-gaap:CommonStockMember 2022-12-31 0001157647 us-gaap:AdditionalPaidInCapitalMember 2022-12-31 0001157647 wneb:EmployeeStockOwnershipPlanESOPPlanMember 2022-12-31 0001157647 us-gaap:DeferredCompensationShareBasedPaymentsMember 2022-12-31 0001157647 us-gaap:RetainedEarningsMember 2022-12-31 0001157647 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2022-12-31 0001157647 2022-12-31 0001157647 us-gaap:CommonStockMember 2023-12-31 0001157647 us-gaap:AdditionalPaidInCapitalMember 2023-12-31 0001157647 wneb:EmployeeStockOwnershipPlanESOPPlanMember 2023-12-31 0001157647 us-gaap:DeferredCompensationShareBasedPaymentsMember 2023-12-31 0001157647 us-gaap:RetainedEarningsMember 2023-12-31 0001157647 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2023-12-31 0001157647 us-gaap:CommonStockMember 2022-01-01 2022-12-31 0001157647 us-gaap:AdditionalPaidInCapitalMember 2022-01-01 2022-12-31 0001157647 wneb:EmployeeStockOwnershipPlanESOPPlanMember 2022-01-01 2022-12-31 0001157647 us-gaap:DeferredCompensationShareBasedPaymentsMember 2022-01-01 2022-12-31 0001157647 us-gaap:RetainedEarningsMember 2022-01-01 2022-12-31 0001157647 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2022-01-01 2022-12-31 0001157647 us-gaap:CommonStockMember 2023-01-01 2023-12-31 0001157647 us-gaap:AdditionalPaidInCapitalMember 2023-01-01 2023-12-31 0001157647 wneb:EmployeeStockOwnershipPlanESOPPlanMember 2023-01-01 2023-12-31 0001157647 us-gaap:DeferredCompensationShareBasedPaymentsMember 2023-01-01 2023-12-31 0001157647 us-gaap:RetainedEarningsMember 2023-01-01 2023-12-31 0001157647 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2023-01-01 2023-12-31 0001157647 us-gaap:CommonStockMember 2024-01-01 2024-12-31 0001157647 us-gaap:AdditionalPaidInCapitalMember 2024-01-01 2024-12-31 0001157647 wneb:EmployeeStockOwnershipPlanESOPPlanMember 2024-01-01 2024-12-31 0001157647 us-gaap:DeferredCompensationShareBasedPaymentsMember 2024-01-01 2024-12-31 0001157647 us-gaap:RetainedEarningsMember 2024-01-01 2024-12-31 0001157647 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-01-01 2024-12-31 0001157647 us-gaap:CommonStockMember 2024-12-31 0001157647 us-gaap:AdditionalPaidInCapitalMember 2024-12-31 0001157647 wneb:EmployeeStockOwnershipPlanESOPPlanMember 2024-12-31 0001157647 us-gaap:DeferredCompensationShareBasedPaymentsMember 2024-12-31 0001157647 us-gaap:RetainedEarningsMember 2024-12-31 0001157647 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-12-31 0001157647 us-gaap:AccountingStandardsUpdate201613Member 2023-01-01 2023-12-31 0001157647 wneb:DefinedContributionPension1Member 2024-01-01 2024-12-31 0001157647 us-gaap:BuildingMember 2024-12-31 0001157647 us-gaap:LeaseholdImprovementsMember srt:MinimumMember 2024-12-31 0001157647 us-gaap:LeaseholdImprovementsMember srt:MaximumMember 2024-12-31 0001157647 wneb:EquipmentAndFurnitureMember srt:MinimumMember 2024-12-31 0001157647 wneb:EquipmentAndFurnitureMember srt:MaximumMember 2024-12-31 0001157647 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2024-12-31 0001157647 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2023-12-31 0001157647 wneb:GovernmentSponsoredEnterpriseObligationsMember 2024-12-31 0001157647 us-gaap:CorporateDebtSecuritiesMember 2024-12-31 0001157647 us-gaap:DebtSecuritiesMember 2024-12-31 0001157647 wneb:GovernmentSponsoredMortgageBackedSecuritiesMember 2024-12-31 0001157647 wneb:USGovernmentGuaranteedMortgageBackedSecuritiesMember 2024-12-31 0001157647 us-gaap:MortgageBackedSecuritiesMember 2024-12-31 0001157647 us-gaap:USTreasurySecuritiesMember 2024-12-31 0001157647 wneb:USGovernmentGuaranteedObligationsMember 2024-12-31 0001157647 wneb:GovernmentSponsoredEnterpriseObligationsMember 2023-12-31 0001157647 wneb:StateAndMunicipalBondsMember 2023-12-31 0001157647 us-gaap:CorporateDebtSecuritiesMember 2023-12-31 0001157647 us-gaap:DebtSecuritiesMember 2023-12-31 0001157647 wneb:GovernmentSponsoredMortgageBackedSecuritiesMember 2023-12-31 0001157647 wneb:USGovernmentGuaranteedMortgageBackedSecuritiesMember 2023-12-31 0001157647 us-gaap:MortgageBackedSecuritiesMember 2023-12-31 0001157647 us-gaap:USTreasurySecuritiesMember 2023-12-31 0001157647 2023-04-01 2023-06-30 0001157647 us-gaap:AssetPledgedAsCollateralMember us-gaap:DepositsMember us-gaap:USTreasurySecuritiesMember 2024-12-31 0001157647 us-gaap:AssetPledgedAsCollateralMember us-gaap:DepositsMember wneb:GovernmentSponsoredEnterpriseObligationsMember 2024-12-31 0001157647 us-gaap:AssetPledgedAsCollateralMember us-gaap:DepositsMember us-gaap:MortgageBackedSecuritiesMember 2024-12-31 0001157647 wneb:GuaranteedByGovernmentAgenciesMember 2024-12-31 0001157647 wneb:GuaranteedByGovernmentAgenciesMember 2023-12-31 0001157647 wneb:NotGuaranteedByGovernmentAgenciesMember 2024-12-31 0001157647 wneb:NotGuaranteedByGovernmentAgenciesMember 2023-12-31 0001157647 wneb:CorporateBondsMember us-gaap:ExternalCreditRatingNonInvestmentGradeMember 2024-12-31 0001157647 wneb:CorporateBondsMember us-gaap:ExternalCreditRatingNonInvestmentGradeMember 2023-12-31 0001157647 wneb:CorporateBondsMember 2024-12-31 0001157647 wneb:CorporateBondsMember 2023-12-31 0001157647 wneb:CommercialRealEstateNonOwnerOccupiedMember 2024-12-31 0001157647 wneb:CommercialRealEstateNonOwnerOccupiedMember 2023-12-31 0001157647 wneb:CommercialRealEstateOwnerOccupiedMember 2024-12-31 0001157647 wneb:CommercialRealEstateOwnerOccupiedMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember 2023-12-31 0001157647 us-gaap:HomeEquityMember 2024-12-31 0001157647 us-gaap:HomeEquityMember 2023-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember 2024-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember 2023-12-31 0001157647 us-gaap:ConsumerLoanMember 2024-12-31 0001157647 us-gaap:ConsumerLoanMember 2023-12-31 0001157647 us-gaap:AssetPledgedAsCollateralMember us-gaap:FederalHomeLoanBankAdvancesMember 2024-12-31 0001157647 us-gaap:AssetPledgedAsCollateralMember us-gaap:FederalHomeLoanBankAdvancesMember 2023-12-31 0001157647 us-gaap:AssetPledgedAsCollateralMember us-gaap:FederalReserveBankAdvancesMember 2024-12-31 0001157647 us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 us-gaap:CommercialLoanMember 2024-12-31 0001157647 us-gaap:RealEstateLoanMember 2024-12-31 0001157647 2024-07-01 2024-09-30 0001157647 wneb:UnallocatedMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember 2024-01-01 2024-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember 2024-01-01 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember 2024-01-01 2024-12-31 0001157647 us-gaap:ConsumerLoanMember 2024-01-01 2024-12-31 0001157647 wneb:UnallocatedMember 2024-01-01 2024-12-31 0001157647 wneb:UnallocatedMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember 2022-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember 2022-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember 2022-12-31 0001157647 us-gaap:ConsumerLoanMember 2022-12-31 0001157647 wneb:UnallocatedMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember us-gaap:CommercialRealEstateMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember us-gaap:ResidentialPortfolioSegmentMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember us-gaap:CommercialAndIndustrialSectorMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember us-gaap:ConsumerLoanMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember wneb:UnallocatedMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:CommercialRealEstateMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:ResidentialPortfolioSegmentMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:CommercialAndIndustrialSectorMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:ConsumerLoanMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember wneb:UnallocatedMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember 2022-12-31 0001157647 us-gaap:CommercialRealEstateMember 2023-01-01 2023-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember 2023-01-01 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember 2023-01-01 2023-12-31 0001157647 us-gaap:ConsumerLoanMember 2023-01-01 2023-12-31 0001157647 wneb:UnallocatedMember 2023-01-01 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember 2021-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember 2021-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember 2021-12-31 0001157647 us-gaap:ConsumerLoanMember 2021-12-31 0001157647 wneb:UnallocatedMember 2021-12-31 0001157647 us-gaap:CommercialRealEstateMember 2022-01-01 2022-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember 2022-01-01 2022-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember 2022-01-01 2022-12-31 0001157647 us-gaap:ConsumerLoanMember 2022-01-01 2022-12-31 0001157647 wneb:UnallocatedMember 2022-01-01 2022-12-31 0001157647 wneb:NonOwnerOccupiedMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 wneb:NonOwnerOccupiedMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 wneb:NonOwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 wneb:NonOwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 wneb:NonOwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 wneb:NonOwnerOccupiedMember 2024-12-31 0001157647 wneb:OwnerOccupiedMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 wneb:OwnerOccupiedMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 wneb:OwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 wneb:OwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 wneb:OwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 wneb:OwnerOccupiedMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 wneb:CommercialRealEstateNonOwnerOccupiedMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateNonOwnerOccupiedMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateNonOwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateNonOwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateNonOwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateOwnerOccupiedMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateOwnerOccupiedMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateOwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateOwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateOwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 wneb:NonOwnerOccupiedMember 2024-01-01 2024-12-31 0001157647 wneb:OwnerOccupiedMember 2024-01-01 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember 2024-01-01 2024-12-31 0001157647 us-gaap:HomeEquityMember 2024-01-01 2024-12-31 0001157647 us-gaap:ResidentialRealEstateMember 2024-12-31 0001157647 us-gaap:ResidentialRealEstateMember 2024-01-01 2024-12-31 0001157647 wneb:NonOwnerOccupiedMember 2023-12-31 0001157647 wneb:NonOwnerOccupiedMember 2023-01-01 2023-12-31 0001157647 wneb:OwnerOccupiedMember 2023-12-31 0001157647 wneb:OwnerOccupiedMember 2023-01-01 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember 2023-01-01 2023-12-31 0001157647 us-gaap:HomeEquityMember 2023-01-01 2023-12-31 0001157647 us-gaap:ResidentialRealEstateMember 2023-12-31 0001157647 us-gaap:ResidentialRealEstateMember 2023-01-01 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember wneb:NonOwnerOccupiedMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember wneb:OwnerOccupiedMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:CommercialRealEstateMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:ResidentialMortgageMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:HomeEquityMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:ResidentialRealEstateMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:CommercialAndIndustrialSectorMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:ConsumerLoanMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember 2024-12-31 0001157647 wneb:WithAllowanceRecordedMember us-gaap:CommercialAndIndustrialSectorMember 2024-12-31 0001157647 wneb:WithAllowanceRecordedMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember wneb:NonOwnerOccupiedMember 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember wneb:OwnerOccupiedMember 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:CommercialRealEstateMember 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:ResidentialMortgageMember 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:HomeEquityMember 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:ResidentialRealEstateMember 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:CommercialAndIndustrialSectorMember 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:ConsumerLoanMember 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember 2023-12-31 0001157647 wneb:WithAllowanceRecordedMember us-gaap:CommercialAndIndustrialSectorMember 2023-12-31 0001157647 wneb:WithAllowanceRecordedMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember wneb:Pass11Member 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember wneb:SpecialMention11Member 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember wneb:Substandard11Member 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:PerformingFinancingReceivableMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:NonperformingFinancingReceivableMember 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember wneb:Pass11Member 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember wneb:Substandard11Member 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:PerformingFinancingReceivableMember 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:NonperformingFinancingReceivableMember 2024-12-31 0001157647 us-gaap:HomeEquityMember wneb:Pass11Member 2024-12-31 0001157647 us-gaap:HomeEquityMember wneb:Substandard11Member 2024-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:PerformingFinancingReceivableMember 2024-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:NonperformingFinancingReceivableMember 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember wneb:Pass11Member 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember wneb:SpecialMention11Member 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember wneb:Substandard11Member 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:PerformingFinancingReceivableMember 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:NonperformingFinancingReceivableMember 2024-12-31 0001157647 us-gaap:ConsumerLoanMember wneb:Pass11Member 2024-12-31 0001157647 us-gaap:ConsumerLoanMember wneb:Substandard11Member 2024-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:PerformingFinancingReceivableMember 2024-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:NonperformingFinancingReceivableMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember wneb:Pass11Member 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember wneb:SpecialMention11Member 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember wneb:Substandard11Member 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:PerformingFinancingReceivableMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:NonperformingFinancingReceivableMember 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember wneb:Pass11Member 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember wneb:Substandard11Member 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:PerformingFinancingReceivableMember 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:NonperformingFinancingReceivableMember 2023-12-31 0001157647 us-gaap:HomeEquityMember wneb:Pass11Member 2023-12-31 0001157647 us-gaap:HomeEquityMember wneb:Substandard11Member 2023-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:PerformingFinancingReceivableMember 2023-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:NonperformingFinancingReceivableMember 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember wneb:Pass11Member 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember wneb:SpecialMention11Member 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember wneb:Substandard11Member 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:PerformingFinancingReceivableMember 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:NonperformingFinancingReceivableMember 2023-12-31 0001157647 us-gaap:ConsumerLoanMember wneb:Pass11Member 2023-12-31 0001157647 us-gaap:ConsumerLoanMember wneb:Substandard11Member 2023-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:PerformingFinancingReceivableMember 2023-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:NonperformingFinancingReceivableMember 2023-12-31 0001157647 us-gaap:SpecialMentionMember 2024-12-31 0001157647 us-gaap:SpecialMentionMember 2023-12-31 0001157647 us-gaap:SubstandardMember 2024-12-31 0001157647 us-gaap:SubstandardMember 2023-12-31 0001157647 us-gaap:CriticizedMember 2024-12-31 0001157647 us-gaap:CriticizedMember 2023-12-31 0001157647 us-gaap:LandMember 2024-12-31 0001157647 us-gaap:LandMember 2023-12-31 0001157647 us-gaap:BuildingMember 2023-12-31 0001157647 us-gaap:LeaseholdImprovementsMember 2024-12-31 0001157647 us-gaap:LeaseholdImprovementsMember 2023-12-31 0001157647 wneb:EquipmentAndFurnitureMember 2024-12-31 0001157647 wneb:EquipmentAndFurnitureMember 2023-12-31 0001157647 us-gaap:CoreDepositsMember 2024-12-31 0001157647 us-gaap:FederalHomeLoanBankBorrowingsMember 2023-12-31 0001157647 us-gaap:LineOfCreditMember 2024-12-31 0001157647 us-gaap:LineOfCreditMember 2023-12-31 0001157647 us-gaap:FederalHomeLoanBankBorrowingsMember 2024-12-31 0001157647 wneb:OtherBorrowingsMember 2024-12-31 0001157647 wneb:OtherBorrowingsMember 2023-12-31 0001157647 wneb:FederalReserveBankDiscountWindowMember 2024-12-31 0001157647 wneb:FederalReserveBankDiscountWindowMember 2023-12-31 0001157647 wneb:Bank1Member 2024-12-31 0001157647 wneb:Bank1Member 2023-12-31 0001157647 wneb:BankMember 2024-12-31 0001157647 wneb:BankMember 2023-12-31 0001157647 us-gaap:ShortTermDebtMember 2024-01-01 2024-12-31 0001157647 us-gaap:ShortTermDebtMember 2022-01-01 2022-12-31 0001157647 us-gaap:LongTermDebtMember 2024-01-01 2024-12-31 0001157647 us-gaap:LongTermDebtMember 2023-01-01 2023-12-31 0001157647 wneb:BTFPAdvancesMember 2024-05-01 2024-05-31 0001157647 wneb:BTFPAdvancesMember 2023-12-31 0001157647 us-gaap:SubordinatedDebtMember 2021-04-20 0001157647 us-gaap:SubordinatedDebtMember us-gaap:DebtInstrumentRedemptionPeriodOneMember 2024-12-31 0001157647 us-gaap:SubordinatedDebtMember 2024-12-31 0001157647 us-gaap:SubordinatedDebtMember 2024-01-01 2024-12-31 0001157647 us-gaap:SubordinatedDebtMember us-gaap:DebtInstrumentRedemptionPeriodTwoMember 2024-01-01 2024-12-31 0001157647 us-gaap:SubordinatedDebtMember 2023-01-01 2023-12-31 0001157647 wneb:StockCompensationPlan2014Member 2021-05-14 0001157647 us-gaap:StockCompensationPlanMember us-gaap:ShareBasedPaymentArrangementEmployeeMember 2024-01-01 2024-12-31 0001157647 us-gaap:StockCompensationPlanMember us-gaap:ShareBasedPaymentArrangementNonemployeeMember 2024-01-01 2024-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member 2021-05-01 2021-05-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member wneb:TimeBasedSharesMember 2021-05-01 2021-05-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member us-gaap:PerformanceSharesMember 2021-05-01 2021-05-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member us-gaap:PerformanceSharesMember wneb:ThresholdMember 2021-05-01 2021-05-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member us-gaap:PerformanceSharesMember wneb:StretchMember 2021-05-01 2021-05-31 0001157647 us-gaap:PerformanceSharesMember 2024-01-01 2024-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2022Member 2022-03-01 2022-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2022Member wneb:TimeBasedSharesMember 2022-03-01 2022-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2022Member us-gaap:PerformanceSharesMember 2022-03-01 2022-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2022Member us-gaap:PerformanceSharesMember wneb:ThresholdMember 2022-03-01 2022-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2022Member us-gaap:PerformanceSharesMember wneb:StretchMember 2022-03-01 2022-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member us-gaap:ShareBasedPaymentArrangementNonemployeeMember wneb:TimeBasedSharesMember 2022-03-01 2022-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member us-gaap:ShareBasedPaymentArrangementNonemployeeMember wneb:TimeBasedSharesMember 2022-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2023Member 2023-03-01 2023-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2023Member wneb:TimeBasedSharesMember 2023-03-01 2023-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2023Member us-gaap:PerformanceSharesMember 2023-03-01 2023-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2023Member us-gaap:PerformanceSharesMember wneb:ThresholdMember 2023-03-01 2023-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2023Member us-gaap:PerformanceSharesMember wneb:StretchMember 2023-03-01 2023-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member us-gaap:ShareBasedPaymentArrangementNonemployeeMember wneb:TimeBasedSharesMember 2023-03-01 2023-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member us-gaap:ShareBasedPaymentArrangementNonemployeeMember wneb:TimeBasedSharesMember 2023-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2024Member 2024-03-01 2024-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2024Member wneb:TimeBasedSharesMember 2024-03-01 2024-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2024Member us-gaap:PerformanceSharesMember 2024-03-01 2024-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2024Member us-gaap:PerformanceSharesMember wneb:ThresholdMember 2024-03-01 2024-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2024Member us-gaap:PerformanceSharesMember wneb:StretchMember 2024-03-01 2024-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member us-gaap:ShareBasedPaymentArrangementNonemployeeMember wneb:TimeBasedSharesMember 2024-03-01 2024-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member us-gaap:ShareBasedPaymentArrangementNonemployeeMember wneb:TimeBasedSharesMember 2024-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member 2024-03-31 0001157647 us-gaap:RestrictedStockMember 2024-01-01 2024-12-31 0001157647 2002-01-01 2002-01-31 0001157647 2007-01-01 2007-01-31 0001157647 wneb:LoanToEmployeeStockOwnershipPlanTrustMember 2024-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member wneb:ThresholdMember 2021-01-01 2021-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member wneb:TargetMember 2021-01-01 2021-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member wneb:StretchMember 2021-01-01 2021-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member wneb:ActualMember 2021-01-01 2021-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2022Member wneb:ThresholdMember 2022-01-01 2022-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2022Member wneb:TargetMember 2022-01-01 2022-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2022Member wneb:StretchMember 2022-01-01 2022-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2023Member wneb:ThresholdMember 2023-01-01 2023-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2023Member wneb:TargetMember 2023-01-01 2023-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2023Member wneb:StretchMember 2023-01-01 2023-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2024Member wneb:ThresholdMember 2024-01-01 2024-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2024Member wneb:TargetMember 2024-01-01 2024-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2024Member wneb:StretchMember 2024-01-01 2024-12-31 0001157647 us-gaap:RestrictedStockMember 2023-12-31 0001157647 us-gaap:RestrictedStockMember 2024-12-31 0001157647 us-gaap:RestrictedStockMember 2022-12-31 0001157647 us-gaap:RestrictedStockMember 2023-01-01 2023-12-31 0001157647 wneb:Rate1Member 2023-12-31 0001157647 wneb:Rate2Member 2023-12-31 0001157647 wneb:Rate3Member 2023-12-31 0001157647 wneb:DefinedContributionPension1Member 2023-01-01 2023-12-31 0001157647 wneb:DefinedContributionPension1Member 2022-01-01 2022-12-31 0001157647 us-gaap:LoansMember 2023-12-31 0001157647 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FairValueHedgingMember 2023-12-31 0001157647 us-gaap:NondesignatedMember us-gaap:InterestRateSwapMember wneb:CustomerCounterpartiesDerivativesMember 2024-12-31 0001157647 us-gaap:NondesignatedMember us-gaap:InterestRateSwapMember wneb:DealerCounterpartiesDerivativesMember 2024-12-31 0001157647 us-gaap:NondesignatedMember 2024-12-31 0001157647 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember 2023-12-31 0001157647 us-gaap:NondesignatedMember us-gaap:InterestRateSwapMember wneb:CustomerCounterpartiesDerivativesMember 2023-12-31 0001157647 us-gaap:NondesignatedMember us-gaap:InterestRateSwapMember wneb:DealerCounterpartiesDerivativesMember 2023-12-31 0001157647 us-gaap:NondesignatedMember 2023-12-31 0001157647 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember 2024-01-01 2024-12-31 0001157647 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember 2023-01-01 2023-12-31 0001157647 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember 2022-01-01 2022-12-31 0001157647 srt:MinimumMember 2024-12-31 0001157647 srt:MaximumMember 2024-12-31 0001157647 wneb:RepurchasePlan2024Member 2024-05-22 0001157647 wneb:RepurchasePlan2024Member 2024-10-01 2024-12-31 0001157647 wneb:RepurchasePlan2024AndPreviousPlanMember 2024-01-01 2024-12-31 0001157647 wneb:RepurchasePlan2024Member 2024-12-31 0001157647 srt:SubsidiariesMember 2024-12-31 0001157647 srt:SubsidiariesMember 2023-12-31 0001157647 us-gaap:DomesticCountryMember 2024-12-31 0001157647 us-gaap:DomesticCountryMember 2024-01-01 2024-12-31 0001157647 us-gaap:UnusedLinesOfCreditMember 2024-12-31 0001157647 us-gaap:UnusedLinesOfCreditMember 2023-12-31 0001157647 wneb:LoanCommitmentsMember 2024-12-31 0001157647 wneb:LoanCommitmentsMember 2023-12-31 0001157647 wneb:ExistingConstructionLoanAgreementsMember 2024-12-31 0001157647 wneb:ExistingConstructionLoanAgreementsMember 2023-12-31 0001157647 us-gaap:StandbyLettersOfCreditMember 2024-12-31 0001157647 us-gaap:StandbyLettersOfCreditMember 2023-12-31 0001157647 wneb:FederalHomeLoanBankStandbyLettersOfCreditMember 2024-12-31 0001157647 wneb:FederalHomeLoanBankStandbyLettersOfCreditMember 2023-12-31 0001157647 srt:MinimumMember 2024-01-01 2024-12-31 0001157647 srt:MaximumMember 2024-01-01 2024-12-31 0001157647 srt:MinimumMember 2023-01-01 2023-12-31 0001157647 srt:MaximumMember 2023-01-01 2023-12-31 0001157647 wneb:SmallBusinessInvestmentCompanyMember 2024-12-31 0001157647 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2024-12-31 0001157647 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2024-12-31 0001157647 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0001157647 us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0001157647 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2023-12-31 0001157647 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2023-12-31 0001157647 us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2023-12-31 0001157647 us-gaap:FairValueMeasurementsRecurringMember 2023-12-31 0001157647 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2024-12-31 0001157647 us-gaap:FairValueMeasurementsNonrecurringMember wneb:IndividuallyEvaluatedLoansMember 2024-01-01 2024-12-31 0001157647 us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2023-12-31 0001157647 us-gaap:FairValueMeasurementsNonrecurringMember wneb:IndividuallyEvaluatedLoansMember 2023-01-01 2023-12-31 0001157647 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2024-12-31 0001157647 us-gaap:FairValueInputsLevel1Member 2024-12-31 0001157647 us-gaap:FairValueInputsLevel2Member 2024-12-31 0001157647 us-gaap:FairValueInputsLevel3Member 2024-12-31 0001157647 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2023-12-31 0001157647 us-gaap:FairValueInputsLevel1Member 2023-12-31 0001157647 us-gaap:FairValueInputsLevel2Member 2023-12-31 0001157647 us-gaap:FairValueInputsLevel3Member 2023-12-31 0001157647 srt:ParentCompanyMember 2024-12-31 0001157647 srt:ParentCompanyMember 2023-12-31 0001157647 srt:ParentCompanyMember 2024-01-01 2024-12-31 0001157647 srt:ParentCompanyMember 2023-01-01 2023-12-31 0001157647 srt:ParentCompanyMember 2022-01-01 2022-12-31 0001157647 srt:ParentCompanyMember 2022-12-31 0001157647 srt:ParentCompanyMember 2021-12-31 0001157647 2024-01-01 2024-03-31 0001157647 2024-04-01 2024-06-30 0001157647 2023-01-01 2023-03-31 0001157647 2023-07-01 2023-09-30 0001157647 2023-10-01 2023-12-31 iso4217:USD xbrli:shares iso4217:USD xbrli:shares wneb:N iso4217:USD wneb:Loan xbrli:pure

 

 

Securities and Exchange Commission

 Washington, D.C. 20549

 

FORM 10-K

 

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

 

For the fiscal year ended December 31, 2024

 

Commission File No.: 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) (I.R.S. Employer Identification No.)

 

141 Elm Street, Westfield, Massachusetts 01085

(Address of principal executive offices, including zi141 Elm Street, Westfield, Massachusetts 01085p code)

 

(413) 568-1911

(Registrant’s telephone number, including area code)

 

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

 

(Title of each class) 

(Trading Symbol) 

(Name of each exchange on which registered) 

Common Stock, $0.01 par value per share WNEB The NASDAQ Global Select Market

 

Securities registered pursuant to Section 12(g) of the Act: None.

 

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

Yes ☐ No ☒

 

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.

Yes ☐ No ☒

 

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 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. (Check one):

 

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 has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☒

 

If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ☐

 

Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to § 240.10D-1(b). ☐

 

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

 

The aggregate market value of the voting stock held by non-affiliates of the registrant as of June 28, 2024, was $146,942,001. This amount was based on the closing price as of June 28, 2024 on the NASDAQ Global Select Market (“NASDAQ”) for a share of the registrant’s common stock, which was $6.88 on June 28, 2024.

 

As of March 3, 2025, the registrant had 20,748,498 shares of common stock, $0.01 par value, issued and outstanding.

 

DOCUMENTS INCORPORATED BY REFERENCE:

 

Portions of the Proxy Statement for the 2025 Annual Meeting of Shareholders are incorporated by reference into Part III of this report.

 

 

 

 

 

 

 

WESTERN NEW ENGLAND BANCORP, INC.
ANNUAL REPORT ON FORM 10-K
FOR THE FISCAL YEAR ENDED
DECEMBER 31, 2024

 

TABLE OF CONTENTS

 

  
     
ITEM PART I PAGE
     
1 Business 4
1A Risk Factors 36
1B Unresolved Staff Comments 49
1C Cybersecurity 49
2 Properties 51
3 Legal Proceedings 54
4 Mine Safety Disclosures 54
     
  PART II  
     
5 Market for Registrant’s Common Equity, Related Shareholder Matters and Issuer Purchases of Equity Securities 55
6 [Reserved] 57
7 Management’s Discussion and Analysis of Financial Condition and Results of Operations 57
7A Quantitative and Qualitative Disclosures About Market Risk 80
8 Financial Statements and Supplementary Data 80
9 Changes in and Disagreements with Accountants on Accounting and Financial Disclosure 80
9A Controls and Procedures 80
9B Other Information 83
9C Disclosure Regarding Foreign Jurisdictions that Prevent Inspections 83
  PART III  
     
10 Directors, Executive Officers and Corporate Governance 83
11 Executive Compensation 83
12 Security Ownership of Certain Beneficial Owners and Management and Related Shareholder Matters 83
13 Certain Relationships and Related Transactions and Director Independence 83
14 Principal Accounting Fees and Services 83
     
  PART IV  
     
15 Exhibits and Financial Statement Schedules   84
16 Form 10-K Summary 87
     

 

 

 

 

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, including statements contained in our filings with the Securities and Exchange Commission (the “SEC”), our reports to shareholders and in other communications by us. This Annual Report on Form 10-K contains “forward-looking statements” 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 or political conditions, financial markets, fiscal, monetary and regulatory policies, including actual or potential stress in the banking industry;

●unstable political and 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 sustained increases 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 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;

●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;

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

●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.

 

Unless the context indicates otherwise, all references in this prospectus to “Western New England Bancorp,” “WNEB,” “we,” “us,” “our company,” and “our” refer to Western New England Bancorp, Inc. and its subsidiaries (including Westfield Bank, CSB Colts, Inc., Elm Street Securities Corporation, WFD Securities, Inc. and WB Real Estate Holdings, LLC).

 

3 

 

PART I

 

ITEM 1.BUSINESS.

 

General.

 

Western New England Bancorp, Inc. (“WNEB” or “Company”) (f/k/a “Westfield Financial, Inc.”) headquartered in Westfield, Massachusetts, is a Massachusetts-chartered stock holding company and is registered as a savings and loan holding company with the Federal Reserve Board under the Bank Holding Company Act of 1956, as amended (the “BHC Act”). In 2001, the Company reorganized from a Massachusetts-chartered savings bank holding company to a Massachusetts-chartered stock corporation with the second step conversion being completed in 2007. WNEB is the parent company and owns all of the capital stock of Westfield Bank (“Westfield” or “Bank”). The Company is also subject to the jurisdiction of the SEC and is subject to the disclosure and other regulatory requirements of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended, as administered by the SEC. Western New England Bancorp is traded on the NASDAQ under the ticker symbol “WNEB” and is subject to the NASDAQ stock market rules. At December 31, 2024, WNEB had consolidated total assets of $2.7 billion, total net loans of $2.1 billion, total deposits of $2.3 billion and total shareholders’ equity of $235.9 million.

 

Westfield Bank, headquartered in Westfield, Massachusetts, is a federally-chartered savings bank organized in 1853 and is regulated by the Office of the Comptroller of the Currency (“OCC”). The Bank is a full-service, community oriented financial institution offering a full range of commercial and retail products and services as well as wealth management financial products. As of December 31, 2024, the Bank had twenty-five branches and eight freestanding automated teller machines (“ATMs”). The Bank also conducts business through an additional fourteen freestanding and thirty-three seasonal or temporary ATMs that are owned and serviced by a third party, whereby the Bank pays a rental fee and shares in the surcharge revenue. All branch and ATM locations serve Hampden County and Hampshire County in western Massachusetts and Hartford County and Tolland County in northern Connecticut. The Bank also provides a variety of banking services including telephone and online banking, remote deposit capture, cash management services, overdraft facilities, night deposit services, and safe deposit facilities. As a member of the Federal Deposit Insurance Corporation (“FDIC”), the Bank’s deposits are insured up to the maximum FDIC insurance coverage limits. The Bank is also a member of the Federal Home Loan Bank of Boston (“FHLB”).

 

On October 21, 2016, the Company acquired Chicopee Bancorp, Inc. (“Chicopee”), the holding company for Chicopee Savings Bank and in conjunction with the acquisition, the name of the Company was changed to Western New England Bancorp, Inc. The transaction qualified as a tax-free reorganization for federal income tax purposes.

 

Subsidiary Activities.

 

Western New England Bancorp, Inc. has two subsidiaries that are included in the Company’s consolidated financial statements:

 

●Westfield Bank. The Company conducts its principal business activities through its wholly owned subsidiary Westfield Bank.

 

●WFD Securities, Inc. (“WFD”). WFD is a Massachusetts chartered security corporation, for the primary purpose of holding qualified securities.

 

Westfield Bank has three wholly owned subsidiaries that are included in the Company’s consolidated financial statements:

 

●Elm Street Securities Corporation (“Elm”). Elm is a Massachusetts-chartered security corporation, formed for the primary purpose of holding qualified securities.

 

●WB Real Estate Holdings, LLC. (“WB”). WB is a Massachusetts-chartered limited liability company formed for the primary purpose of holding other real estate owned (“OREO”).

 

4 

 

 

●CSB Colts, Inc. (“CSB Colts”). CSB Colts is a Massachusetts-chartered security corporation, formed for the primary purpose of holding qualified securities. CSB Colts was acquired on October 21, 2016, in conjunction with the acquisition of Chicopee.

 

Market Area.

 

Westfield Bank’s headquarters are located at 141 Elm Street in Westfield, Massachusetts. The Bank’s primary lending and deposit market areas include all of Hampden County and Hampshire County in western Massachusetts and Hartford and Tolland Counties in northern Connecticut. The Bank operates twenty-five banking offices in Agawam, Chicopee, Feeding Hills, East Longmeadow, Holyoke, Huntington, Ludlow, South Hadley, Southwick, Springfield, Ware, West Springfield and Westfield, Massachusetts and Bloomfield, Enfield, Granby and West Hartford, Connecticut. We operate full-service ATMs at our branch locations and have eight freestanding ATM locations in Holyoke, Southwick, Springfield, West Springfield and Westfield, Massachusetts. The Bank also conducts business through an additional fourteen freestanding and thirty-three seasonal or temporary ATMs that are owned and serviced by a third party, whereby the Bank pays a rental fee and shares in the surcharge revenue. In addition, we provide online banking services, including online deposit account opening and residential mortgage and consumer loan applications through our website at www.westfieldbank.com.

 

The markets served by our branches are primarily suburban markets located in western Massachusetts and in northern Connecticut. Westfield, Massachusetts, is located near the intersection of U.S. Interstates 90 (the Massachusetts Turnpike) and 91. Our middle market and commercial real estate lending team is located in Springfield, the Pioneer Valley’s primary urban market. The Pioneer Valley of western Massachusetts encompasses the sixth largest metropolitan area in New England. The Springfield metropolitan area covers a relatively diverse area ranging from densely populated urban areas, such as Springfield, to outlying rural areas. Our Financial Services Center in West Hartford serves as our Connecticut hub, housing employees across all commercial and retail lines of business. Our markets fall within New England’s Knowledge Corridor, an interstate partnership of regional economic development, planning, business, tourism and educational institutions that work together to advance the region’s economic progress.

 

A diversified mix of industry groups are concentrated in western Massachusetts and northern Connecticut, including manufacturing, health care, higher education, wholesale and retail trade and service. The economies of our primary markets have benefited from the presence of large employers such as Baystate Medical Center, Big Y World Class Markets, Center for Human Development, Holyoke Medical Center, MassMutual Financial Group, Mercy Medical Center/Trinity Health of New England, Mestek, Inc., MGM Springfield, Verizon and Westover Air Reserve Base in Massachusetts, and Aetna, Inc., Air National Guard, Collins Aerospace, Connecticut Children’s Medical Center, Hartford Financial Services Group, Hartford Hospital, Institute of Living, Kaman Aerospace Corporation, Lego Systems Inc., Talcott Resolution Life Insurance Company and Travelers Indemnity Company in Connecticut. Other employment and economic activity is provided by financial institutions, colleges and universities, hospitals, and a variety of wholesale and retail trade business. Our Hampden County market also enjoys a strong tourism business with attractions such as the Eastern States Exposition, which operates The Big E, the largest fair in the northeast, the Basketball Hall of Fame, MGM Springfield and Six Flags New England.

 

Competition.

 

The Company faces significant competition to attract and retain customers within existing and neighboring geographic markets. The Company competes actively with local, regional, and national financial institutions, as well as credit unions which have a large presence in the region. Competition for loans, deposits and cash management services, and investment advisory assets also comes from other businesses that provide financial services, including consumer finance companies, mortgage brokers and lenders, private lenders, insurance companies, securities brokerage firms, institutional mutual funds, registered investment advisors, non-bank electronic payment and funding channels, internet-based banks and other financial intermediaries.

 

We expect competition to increase in the future as a result of legislative, regulatory and technological changes and the continuing trend of consolidation in the financial services industry. Technological advances, for example, have lowered the barriers to market entry, allowed banks and other lenders to expand their geographic reach by providing services over the internet and made it possible for non-depository institutions to offer products and services that traditionally have been provided by banks. Changes in federal laws permit affiliation among banks, securities firms and insurance companies, which promotes a competitive environment in the financial services industry.

 

5 

 

 

At June 30, 2024, which is the most recent date for which data is available from the FDIC, we held approximately 13.2% of the deposits in Hampden County, which was the third largest market share out of the eighteen banks and thrifts with offices in Hampden County.

 

Human Capital.

 

We understand that our human capital is one of our most valuable assets and a key to our success. The Company is an equal opportunity employer and maintains hiring practices and policies that foster and promote a diverse and inclusive workforce. We strive to create a workplace for our employees that is inclusive, supportive, and free of any form of discrimination or harassment; rewarding and recognizing our employees based on their individual results and performance as well as that of their department and the Company overall. We are dedicated to recruiting, developing and promoting a diverse workforce to meet the current and future demands of our business.

 

Talent Management

 

We have been successful in attracting, developing and retaining qualified and competent staff. The Company believes that it has had and continues to have strong employee relations. Our talent management strategy ensures we leverage the talent needed, not just for today, but also for our future. Our employees are the foundation of our success and are responsible for upholding our guiding principles of integrity, trust, empathy, collaboration, strong work ethic, loyalty, inclusion and a professional and positive attitude.

 

As of December 31, 2024, the Bank employed 335 total employees, with 286 employed full-time and 49 employed part-time. Employee retention helps the Company operate efficiently and effectively. As of December 31, 2024, our average employee tenure was 8.8 years.

 

There are many factors that contribute to the success of the Company. We actively encourage and support the growth and development of our employees. Whenever practical, management generally seeks to fill positions by promotion and transfer opportunities from within the organization. Career development is advanced through ongoing mentoring and professional development programs, as well as internally and externally developed training programs.

 

In 2021, the customized Corporate Leadership Development Program was established for the Company to enhance the core capabilities of our top talent in leadership, including through the development of management skills to prepare them for future roles in the Company. During 2024, twenty-four employees were nominated to participate in the program and successfully completed the program. In addition, the Company offers educational reimbursement programs to employees enrolled in pre-approved degree or certification programs at accredited institutions that teach skills or knowledge relevant to the financial services industry. Each year, we also attract rising juniors and seniors from colleges and universities across our footprint who have the opportunity to be assigned an internship within the Company and have the potential to be hired upon graduation.

 

Employee Compensation and Benefits

 

Management promotes its core values through prioritizing concern for employees’ well-being, supporting employees’ career goals, offering competitive wages, and providing valuable fringe benefits. The Company maintains a comprehensive employee benefit program providing, among other benefits, group medical, dental and vision insurance, health savings accounts and flexible spending accounts, life insurance and disability insurance, a 401(k) Safe Harbor Plan with a competitive company match, an employee stock ownership plan, short-term and long-term incentive compensation programs, tuition reimbursement, paid time off, including vacation days and paid holidays, and wellness and employee assistance programs.

 

6 

 

Workplace Health and Safety

 

The safety, health and wellness of our employees is considered a top priority. On an ongoing basis, the Company promotes the health and wellness of its employees and strives to keep the employee portion of health care premiums competitive with local competition. We communicate to our employees on a monthly basis through email and the Company’s intranet, sharing articles and best practices on mental, emotional and physical well-being, health savings account and flexible spending account use, resources to find cheaper prescriptions and other related topics. Our employees also have access to a platform that gives them access to interactive activities for wellness classes, stress management, mindfulness, healthy eating and health plan literacy.

 

In 2023, we established the Westfield Bank Wellness Committee (the “Wellness Committee”), which is comprised of a cross-section of employees from the Bank. The Wellness Committee is committed to promoting a culture of physical, mental and emotional well-being for our employees by providing activities, services and support that will foster living healthy and happy lifestyles. The Wellness Committee looks to inspire and empower our employees to make their health a top priority through encouraging and providing employees healthy lifestyle choices and options.

 

Lending Activities.

 

Loan Approval Procedures and Authority.

 

Our lending activities follow written, nondiscriminatory underwriting standards and loan origination procedures established by the Company’s Board of Directors (the “Board”) and Management. On an annual basis, the Board approves the Bank’s Loan Policy (the “Loan Policy”). The Loan Policy governs the conditions under which loans are made, addresses the lending authority of loan officers, documentation requirements, appraisal policy, charge-off policies and desired portfolio mix. The Executive Committee of the Board approves loan relationships exceeding certain prescribed dollar limits as outlined in the Loan Policy.

 

Loans to One Borrower Limit.

 

The Bank may not make a loan or extend credit to a single borrower or related group of borrowers if the aggregate of all loans or extensions of credit to that single borrower or related group of borrowers would be in excess of 15% of the bank’s unimpaired capital and surplus. At December 31, 2024, the Bank’s regulatory limit on loans to one borrower was $40.6 million. Our internal loan to one borrower limit is $38.8 million. At December 31, 2024, our largest lending relationship, primarily secured by business assets and commercial real estate located in Agawam, Massachusetts, had a total loan exposure of $22.8 million, of which $7.7 million was outstanding. At December 31, 2024, this loan was performing in accordance with their original repayment terms. At December 31, 2024, our top ten largest lending relationships have an average exposure of $18.4 million, or 6.8% of total bank risk based capital, with a range in exposure from $15.6 million, or 5.7% of total bank risk based capital, to $22.8 million, or 8.4% or total bank risk based capital. The Bank continually monitors its loan portfolio to review compliance with new and existing regulations.

 

The Bank offers a variety of loan products to its customers, including residential and commercial real estate loans, commercial loans, and installment loans. The Bank primarily extends loans to customers located within the Company’s footprint. In 2024 and 2023, interest income on loans represented 90.0% and 90.2% of the total interest income of the Company, respectively. At December 31, 2024, the Bank’s loan portfolio totaled $2.1 billion, or 78.0% of total assets, compared to $2.0 billion, or 79.1% of total assets, at December 31, 2023.

 

The Company’s primary lending focus is to generate high quality commercial loan relationships achieved through active business development efforts, long-term relationships with established commercial developers, community involvement, and focused marketing strategies. Loans made to businesses, non-profits, and professional practices may include commercial real estate loans, construction and land development loans, commercial and industrial loans, including lines of credit and letters of credit. Loans made to individuals may include conventional residential real estate loans, home equity loans and lines of credit, residential construction loans on owner-occupied primary and secondary residences, and secured and unsecured personal loans and lines of credit. The Company manages its loan portfolio to avoid concentration by industry, property type, relationship size, and source of repayment to lessen its credit risk exposure.

 

7 

 

 

Interest rates on loans may be fixed or variable and variable rate loans may have fixed initial periods before periodic rate adjustments begin. Individual rates offered are dependent on the associated degree of credit risk, term, underwriting and servicing costs, loan amount, and the extent of other banking relationships maintained with the borrower, and may be subject to interest rate floors. Rates are also subject to competitive pressures, the current interest rate environment, availability of funds, and government regulations.

 

The Company employs a seasoned commercial lending staff, with commercial lenders to support the Company’s loan growth strategy. The Company contracts with an external third-party loan review company to review the internal credit ratings assigned to loan relationships 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 their review, the third party examines a sample of loans, including new loans, existing relationships over certain dollar amounts and classified loans. The Company’s internal residential origination and underwriting staff originate residential loans and are responsible for compliance with residential lending regulations, consumer protection and internal policy guidelines. The Company’s internal compliance department monitors the residential loan origination activity for regulatory compliance.

 

Commercial Real Estate Loans.

 

At December 31, 2024, commercial real estate loans, including commercial construction loans, totaled $1.1 billion, or 52.0% of total loans, and consisted of $410.0 million of fixed-rate loans and $665.7 million of adjustable-rate loans. At December 31, 2024, the largest commercial real estate loan, a 100 unit apartment building in Massachusetts, had an outstanding balance of $19.2 million, and represented 0.9% of total loans and 7.1% of total bank risk-based capital. This loan was performing in accordance with the original repayment terms at December 31, 2024. For more information relating to the Company’s commercial real estate portfolio as of December 31, 2024 and 2023, see “Item 7 - Management’s Discussion and Analysis of Financial Condition and Results of Operations – CRE Concentrations.”

 

The Company originates commercial real estate loans throughout its market area for the purpose of acquiring, developing, and refinancing commercial real estate where the property is the primary collateral securing the loan. These loans are typically secured by a variety of commercial and industrial property types, including one-to-four and multi-family apartment buildings, office, industrial, or mixed-use facilities, or other commercial properties, and are generally guaranteed by the principals of the borrower. Commercial real estate loans generally have repayment periods of approximately fifteen to thirty years. Variable interest rate loans in the commercial real estate loan portfolio have a variety of adjustment terms and underlying interest rate indices, and are generally fixed for an initial period before periodic rate adjustments begin.

 

Commercial construction loans may include the development of residential housing and condominium projects, the development of commercial and industrial use property, and loans for the purchase and improvement of raw land. These loans are secured in whole or in part by underlying real estate collateral and are generally guaranteed by the principals of the borrowers. Construction lenders work to cultivate long-term relationships with established developers. The Company limits the amount of financing provided to any single developer for the construction of properties built on a speculative basis. Funds for construction projects are disbursed as pre-specified stages of construction are completed. Regular site inspections are performed, prior to advancing additional funds, at each construction phase, either by experienced construction lenders on staff or by independent outside inspection companies. Commercial construction loans generally are variable rate loans and lines with interest rates that are periodically adjusted and generally have terms of one to three years. At December 31, 2024 and December 31, 2023, there was $94.8 million and $111.0 million, respectively, in commercial construction loans included within commercial real estate loans.

 

Commercial and Industrial Loans.

 

At December 31, 2024, our total commercial and industrial loan portfolio totaled $211.7 million, or 10.3% of total loans, compared to $217.4 million, or 10.7% of total loans, at December 31, 2023. At December 31, 2024, the largest commercial and industrial loan, with an outstanding balance of $16.8 million and total loan exposure of $18.0 million, was to a commercial borrower, located in Westfield, Massachusetts. Total exposure represented 0.9% of total loans and 6.6% of total bank risk-based capital at December 31, 2024. This loan was performing in accordance with their original repayment terms at December 31, 2024.

 

8 

 

 

Commercial and industrial loans include revolving lines of credit, working capital loans, equipment financing and term loans. Commercial and industrial credits may be unsecured loans and lines to financially strong borrowers, loans secured in whole or in part by real estate unrelated to the principal purpose of the loan or secured by inventories, equipment, or receivables, and are generally guaranteed by the principals of the borrower. Variable rate loans and lines in this portfolio have interest rates that are periodically adjusted, with term loans generally having fixed initial periods. Commercial and industrial loans have average repayment periods of one to seven years.

 

Commercial letters of credit are conditional commitments issued by the Company to guarantee the financial obligation or performance of a customer to a third party. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. If the letter of credit is drawn upon, a loan is created for the customer, generally a commercial loan, with the same criteria associated with similar commercial loans.

 

At December 31, 2024, our largest concentration of commercial loans was to hotels, which comprised approximately 2.2% of total loans and 15.9% of total bank risk-based capital.

 

Participation Loans.

 

The Company cultivates relationships with other financial institutions to mitigate the risk of our lending activities by participating either as the lead bank or as a participant in various loan transactions. Participating in loans with other institutions provides the Company with the opportunity to retain customer relationships and reduce credit risk exposure among each participating bank, while providing the customer with larger credit facilities than the Company might be willing to, or able to, offer independently. The Company purchases participation interests in larger balance loans from other financial institutions generally in our market area. Such participations are evaluated with the same level of due diligence and care as loans originated internally. The participations are underwritten, reviewed for compliance, and approved in accordance with the Company’s underwriting policies and criteria. The performance of participation loans is actively monitored and updated financial statements of the borrower are received periodically from the participant in accordance with loan reporting requirements and covenant testing. These loans are reviewed annually in accordance with the Company’s Loan Policy and graded based on credit risk. Loan grades assigned are also tested by the Company’s external loan review firm in accordance with the Company’s loan review policy.

 

The Company participated in commercial real estate loans with outstanding balances of $116.2 million, commercial construction loans with outstanding balances of $14.0 million, and commercial and industrial loans with outstanding balances of $2.4 million at December 31, 2024. At December 31, 2023, we participated in commercial real estate loans with outstanding balances of $116.7 million, commercial construction loans with outstanding balances of $10.3 million, and commercial and industrial loans with outstanding balances of $2.9 million.

 

The Company sells loan participations in the ordinary course of business when a loan originated by the Company exceeds our legal lending limit or we otherwise deem it prudent to share the risk with another lending institution. At December 31, 2024, the Company was the lead bank in commercial real estate loans of $80.9 million, commercial construction loans of $1.5 million, and commercial and industrial loans of $22.8 million, with participation balances sold that totaled $52.0 million for commercial real estate loans, $1.5 million for commercial construction loans and $12.2 million for commercial and industrial loans, respectively.

 

At December 31, 2023, the Company was the lead bank in commercial real estate loans of $67.3 million, commercial construction loans of $16.1 million, and commercial and industrial loans of $22.6 million, with participation balances sold that totaled $46.3 million for commercial real estate loans, $7.5 million for commercial construction loans and $11.2 million for commercial and industrial loans, respectively.

 

9 

 

Residential Real Estate Loans.

 

At December 31, 2024 and December 31, 2023, the residential real estate loan portfolio totaled $653.8 million, or 31.6% of total loans, and $612.3 million, or 30.3%, of total loans, respectively, and consisted of $568.8 million of fixed-rate loans and $85.0 million in adjustable-rate loans. The Company originates and funds residential real estate loans, including first mortgages, home equity loans, and home equity lines, secured by one-to-four family residential properties primarily located in western Massachusetts and northern Connecticut. At December 31, 2024, the largest residential real estate loan was $2.0 million. The loan was secured by the borrower’s secondary residence located in New Hampshire and was performing according to its original terms as of December 31, 2024.

 

These residential properties may serve as the borrower’s primary residence, or as vacation homes or investment properties. First mortgages may be underwritten in amounts up to 97% of the lesser of the appraised value or purchase price of the property for owner-occupied homes, 90% for second homes and 85% for investment properties. Private mortgage insurance is required on all loans with a loan-to-value ratio greater than 80%. We do not grant subprime loans. In addition, financing is provided for the construction of owner-occupied primary and secondary residences. Residential mortgage loans may have terms of up to 30 years at either fixed or adjustable rates of interest. Fixed and adjustable rate residential mortgage loans are generally originated using secondary market underwriting and documentation standards. Home equity loans and lines of credit are secured by first or second mortgages on one-to-four family owner-occupied properties. Equity loans and lines of credit are underwritten by 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 the Bank’s loan policies. The overall health of the economy, including unemployment rates and housing pricing, will have an effect on the credit quality in this segment.

 

Depending on the current interest rate environment, management may elect to sell those fixed and adjustable rate residential mortgage loans which are eligible for sale in the secondary market, or hold some or all of this residential loan production for the Company’s portfolio. The Company may retain or sell the servicing when selling the loans. The Company is an approved servicer with Fannie Mae, an approved seller and servicer with Freddie Mac and the FHLB, and an approved Mass Housing lender. In order to reduce interest rate risk, during the twelve months ended December 31, 2024, the Company sold $20.1 million in fixed rate residential loans to the secondary market with servicing retained. The Company did not sell residential real estate loans during the twelve months ended December 31, 2023. At December 31, 2024 and December 31, 2023, the Company serviced $84.8 million and $72.7 million, respectively, in residential loans sold to the secondary market. The servicing rights will likely continue to be retained on all loans sold over the life of the loan.

 

Home Equity Loans and Lines of Credit.

 

At December 31, 2024 and December 31, 2023, home equity loans and lines of credit totaled $121.9 million, or 5.9% of total loans, and $109.8 million, or 5.4% of total loans, respectively. The Company originates home equity revolving loans and lines of credit for one-to-four family residential properties with maximum original loan-to-value ratios generally up to 85%. Home equity lines generally have interest rates that adjust monthly based on changes in the Wall Street Journal Prime Rate, although minimum rates may be applicable. Some home equity line rates may be fixed for a period of time and then adjusted monthly thereafter. The payment schedule for home equity lines require interest only payments for the first ten years of the lines. Generally at the end of ten years, the line may be frozen to future advances, and principal plus interest payments are collected over a fifteen-year amortization schedule.

 

Consumer Loans.

 

At December 31, 2024 and December 31, 2023, consumer loans totaled $4.4 million, or 0.2%, of total loans and $5.5 million, or 0.3%, of total loans, respectively. Consumer loans are generally originated at higher interest rates than residential and commercial real estate loans, but they also generally tend to have a higher credit risk than residential real estate loans because they are usually unsecured or secured by rapidly depreciable assets. Management, however, believes that offering consumer loan products helps to expand and create stronger ties to our existing customer base by increasing the number of customer relationships and providing cross-marketing opportunities. We offer a variety of consumer loans to retail customers in the communities we serve. Examples of our consumer loans include automobile loans, spa and pool loans, collateral loans and personal lines of credit tied to deposit accounts to provide overdraft protection.

 

10 

 

 

The following table presents the composition of our loan portfolio in dollar amounts and in percentages of the total portfolio at the dates indicated.

 

   At December 31, 
   2024   2023 
       Percent of       Percent of 
   Amount   Total   Amount   Total 
   (Dollars in thousands) 
     
Real estate loans:                    
Commercial real estate:                    
Non-owner occupied  $880,828    42.6%  $881,643    43.5%
Owner occupied   194,904    9.4    198,108    9.8 
Total commercial real estate   1,075,732    52.0    1,079,751    53.3 
                     
Residential real estate:                    
Residential one-to-four family   653,802    31.6    612,315    30.3 
Home equity   121,857    5.9    109,839    5.4 
Total residential real estate loans   775,659    37.5    722,154    35.7 
                     
Total real estate loans   1,851,391    89.5    1,801,905    89.0 
                     
Commercial and industrial loans   211,656    10.3    217,447    10.7 
                     
Consumer   4,391    0.2    5,472    0.3 
                     
Total gross loans   2,067,438    100.00%   2,024,824    100.00%
Plus: Unamortized premiums and net deferred loan fees and costs   2,751         2,493      
Less: Allowance for credit losses   (19,529)        (20,267)     
Net loans  $2,050,660        $2,007,050      

 

Loan Maturity and Repricing.

 

The following table shows the repricing dates or contractual maturity dates of our loans as of December 31, 2024. The table does not reflect prepayments or scheduled principal amortization. Demand loans, loans having no stated maturity, and overdrafts are shown as due in within one year.

 

11 

 

   At December 31, 2024 
   Non-Owner Occupied Commercial Real Estate   Owner Occupied Commercial Real Estate   Residential One-to-Four Family   Home Equity   Commercial and Industrial   Consumer   Totals 
   (Dollars in thousands) 
     
Amount due:                                   
Within one year  $175,921   $29,864   $27,014   $72,332   $69,671   $271   $375,073 
                                    
After one year:                                   
One to five years   384,654    127,843    40,691    2,783    86,587    3,258    645,816 
Five to fifteen years   313,301    36,000    71,546    32,884    32,071    131    485,933 
Over fifteen years   6,952    1,197    514,551    13,858    23,327    731    560,616 
Total due after one year   704,907    165,040    626,788    49,525    141,985    4,120    1,692,365 
                                    
Total amount due:   880,828    194,904    653,802    121,857    211,656    4,391    2,067,438 
                                    
Net deferred loan origination fees and costs and premiums   (693)   (16)   2,334    767    322    37    2,751 
Allowance for credit losses   (10,095)   (3,582)   (2,660)   (496)   (2,477)   (219)   (19,529)
                                    
Loans, net  $870,040   $191,306   $653,476   $122,128   $209,501   $4,209   $2,050,660 

 

The following table presents, as of December 31, 2024, the dollar amount of all loans contractually due or scheduled to reprice after December 31, 2025, and whether such loans have fixed interest rates or adjustable interest rates.

 

   Due After December 31, 2025 
   Fixed   Adjustable   Total 
   (Dollars in thousands) 
Real estate loans:               
Residential one-to-four family  $567,931   $58,857   $626,788 
Home equity   49,525    —    49,525 
Non-owner occupied commercial real estate   358,981    345,926    704,907 
Owner occupied commercial real estate   37,865    127,175    165,040 
Total real estate loans   1,014,302    531,958    1,546,260 
                
Other loans:               
Commercial and industrial   103,672    38,313    141,985 
Consumer   4,120    —    4,120 
Total other loans   107,792    38,313    146,105 
                
Total loans  $1,122,094   $570,271   $1,692,365 

 

12 

 

Asset Quality.

 

Maintaining a high level of asset quality continues to be one of the Company’s key objectives. Credit administration reports directly to the Chief Credit Officer and is responsible for the completion of independent credit analyses for all loans above a specific threshold.

 

The Company’s Loan Policy requires that management continuously monitor the status of the loan portfolio and report to the Board on a monthly basis. These reports include information on concentration levels, delinquent loans, nonperforming loans, criticized loans and foreclosed real estate, as well as our actions and plans to cure the nonperforming status of the loans and to dispose of the foreclosed property.

 

The Company contracts with an external third-party loan review company to review the internal risk 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 their review, the third party examines a sample of loans, including new loans, existing relationships over certain dollar amounts and classified assets. The findings are reported to the Chief Credit Officer and the full report is then presented to the Audit Committee.

 

Potential Problem Loans.

 

The Bank’s Loan Policy contain an internal rating system which evaluates the overall risk of a problem loan. The Company performs an internal analysis of the loan portfolio in order to identify and quantify loans with higher than normal risk. Loans having a higher risk profile are assigned a risk rating corresponding to the level of weakness identified in the loan.

 

Criticized and Classified Loans.

 

The Company’s internal credit risk grades are based on the definitions currently utilized by the banking regulatory agencies. The grades assigned and definitions are as follows, and loans graded excellent, above average, good (risk ratings 1-4) are treated as “pass” for grading purposes. All loans risk rated special mention (5), substandard (6), Doubtful (7) and Loss (8) are listed on the Company’s criticized report and are reviewed not less than on a quarterly basis to assess the level of risk and to ensure that appropriate actions are being taken to minimize potential loss exposure. In addition, the Company closely monitors classified loans, defined as substandard, doubtful, and loss for signs of deterioration to mitigate the growth in nonperforming loans, including performing additional due diligence, updating valuations and requiring additional financial reporting from the borrower. Loans identified as containing a loss are partially charged-off or fully charged-off.

 

The “criticized” risk rating (5) and the “classified” risk ratings (6-8) are detailed below:

 

5 – Special Mention- 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.

 

6 – Substandard- 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.

 

7 – Doubtful- 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.

 

8 – Loss- 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.

 

13 

 

 

The grades are determined through the use of qualitative and quantitative matrices that consider various characteristics of the loan such as payment performance, quality of management, principals’/guarantors’ character, balance sheet strength, collateral quality, cash flow coverage, position within the industry, loan structure and documentation.

 

At December 31, 2024, the Company’s criticized loan portfolio totaled $38.4 million, or 1.9% of total loans, compared to $39.5 million, or 1.9% of total loans, at December 31, 2023. The Company’s special mention loans totaled $11.4 million, or 0.6% of total loans, at December 31, 2024 and $5.8 million, or 0.3%, of total loans, at December 31, 2023. Classified loans totaled $27.0 million, or 1.3% of total loans, at December 31, 2024 and $33.7 million, or 1.7% of total loans, at December 31, 2023. Classified loans that were performing but possessed potential weaknesses and, as a result, could ultimately become nonperforming loans totaled $21.6 million, or 1.0% of total loans, at December 31, 2024 and $27.7 million, or 1.4% of total loans, at December 31, 2023. The remaining balance of classified loans were nonperforming loans totaling $5.4 million, or 0.3% of total loans, at December 31, 2024 and $6.0 million, or 0.3% of total loans, at December 31, 2023.

 

Total individually evaluated loans totaled $14.3 million, or 0.7% of total loans, at December 31, 2024, while individually evaluated loans totaled $29.7 million, or 1.5% of total loans, at December 31, 2023. Total accruing individually evaluated loans totaled $8.9 million at December 31, 2024, while accruing individually evaluated loans totaled $23.3 million at December 31, 2023. Nonperforming individually evaluated loans totaled $5.4 million as of December 31, 2024, while nonperforming individually evaluated loans totaled $6.4 million as of December 31, 2023.

 

In management’s opinion, all individually evaluated loan balances at December 31, 2024 and 2023, were supported by expected future cash flows or, for those collateral dependent loans, the net realizable value of the underlying collateral. At December 31, 2024, commercial and industrial individually evaluated loans with a recorded investment of $494,000 carried a related reserve amount of $156,000. At December 31, 2023, commercial and industrial individually evaluated loans with a recorded investment of $517,000 carried a related reserve amount of $179,000. Management closely monitors these relationships for collateral or credit deterioration.

 

Total nonperforming loans totaled $5.4 million, or 0.26% of total loans, at December 31, 2024, and $6.4 million, or 0.32% of total loans, at December 31, 2023. If all nonperforming loans had been performing in accordance with their terms, we would have earned additional interest income of $373,000, $373,000 and $257,000 for the years ended December 31, 2024, 2023 and 2022, respectively.

 

14 

 

OREO.

 

Assets acquired through, or in lieu of, loan foreclosures are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Costs relating to development and improvement of property are capitalized, whereas costs relating to the holding of property are expensed. At December 31, 2024 and 2023, the Company carried no OREO balances.

 

The following table presents, for the years indicated, an analysis of the allowance for credit losses and other related data.

 

   Years Ended December 31, 
   2024   2023 
   (Dollars in thousands) 
         
Allowance for credit losses to total loans outstanding   0.94%   1.00%
Allowance for credit losses  $19,529   $20,267 
Total loans outstanding  $2,070,189   $2,027,317 
           
Nonperforming loans to total loans outstanding   0.26%   0.32%
Nonperforming loans  $5,381   $6,421 
Total loans outstanding  $2,070,189   $2,027,317 
           
Allowance for credit losses to nonperforming loans   362.93%   315.64%
Allowance for credit losses  $19,529   $20,267 
Nonperforming loans  $5,381   $6,421 
           
Net charge-offs (recoveries) during the period to daily average loans outstanding:          
           
Residential one-to-four family charge-offs (recoveries) to daily average loans outstanding   0.01%   0.00%
Net charge-offs (recoveries) during the period  $32   $(23)
Average amount outstanding  $631,570   $601,843 
           
Commercial real estate (recoveries) charge-offs to daily average loans outstanding   (0.02)%   0.07%
Net (recoveries) charge-offs during the period  $(206)  $755 
Average amount outstanding  $1,072,779   $1,076,523 
           
Commercial and industrial (recoveries) charge-offs to daily average loans outstanding   (0.07)%   0.57%
Net (recoveries) charge-offs during the period  $(152)  $1,213 
Average amount outstanding  $210,343   $213,903 
           
Home equity charge-offs (recoveries) to daily average loans outstanding   0.10%   0.00%
Net charge-offs (recoveries) during the period  $121   $(3)
Average amount outstanding  $115,595   $108,057 
           
Consumer charge-offs to daily average loans outstanding   2.43%   1.66%
Net charge-offs during the period  $118   $97 
Average amount outstanding  $4,862   $5,840 
           
Total loan (recoveries) charge-offs to daily average loans outstanding   0.00%   0.10%
Net (recoveries) charge-offs during the period  $(87)  $2,039 
Average amount outstanding  $2,035,149   $2,006,166 

 

15 

 

 

During the year ended December 31, 2024, the Company recorded net recoveries of $87,000, compared to net charge-offs of $2.0 million for the twelve months ended December 31, 2023. During the year ended December 31, 2023, the Company recorded net charge-offs of $1.2 million on the commercial and industrial loan portfolio and net charge-offs of $755,000 on the commercial real estate portfolio. The charge-offs during the year ended December 31, 2023 were related to one commercial relationship acquired on October 21, 2016 from Chicopee Bancorp, Inc., which was placed on nonperforming status. During the year ended December 31, 2023, the Company recorded a $1.9 million charge-off on the acquired commercial relationship, which 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 Current Expected Credit Losses (“CECL”) implementation.

 

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 $7.4 million and $7.5 million at December 31, 2024 and 2023, respectively, 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. For commercial real estate loans, residential real estate loans, and commercial and industrial loans, 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. The expected loss estimates for the consumer loan segment are based on historical loss rates using the weighted average remaining maturity (“WARM”) method. For information on our methodology for assessing the appropriateness of the allowance for credit losses please see Footnote 1 – “Summary of Significant Accounting Policies” of our notes to consolidated financial statements.

 

Commercial real estate loans. Loans in this segment include owner-occupied and non-owner occupied commercial real estate, multi-family dwellings, and income producing investment properties, as well as commercial construction loans for commercial development projects throughout New England. Typically, commercial real estate loans are secured by office buildings, apartment buildings, industrial properties, warehouses, retail facilities, hotels, assisted living facilities, and educational facilities. Collateral values are established by independent third-party appraisals and evaluations. Primary repayment sources for commercial real estate loans include operating income and cash flow generated by the real estate, sale of the real estate and, funds from any liquidation of the collateral. Under its lending guidelines, the Company generally requires a corporate or personal guarantee from individuals that hold material ownership in the borrowing entity. 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 secured by one-to-four family residential properties and home equity loans and home equity lines secured by first or second mortgages on one-to-four family owner-occupied 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 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 principal and interest on a monthly basis, credit history, financial resources and the value of the collateral. Residential real estate loans are originated either for sale to investors or retained in the Company’s loan portfolio. Decisions about whether to sell or retain residential real estate loans are made based on the interest rate, pricing for loans in the secondary market, and the Company’s liquidity and capital needs. 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. The primary risk associated with commercial and industrial loans is the ability of borrowers to achieve business results and cash flows consistent with those projected at loan origination. Collateral frequently consists of a first lien position on business assets including, but not limited to, accounts receivable, inventory, and equipment. The primary repayment source is operating cash flow, followed by liquidation of assets. Under its lending guidelines, the Company generally requires a corporate or personal guarantee from individuals that hold material ownership in the borrowing entity. 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.

 

Allowance for Credit Losses Methodology

 

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.

 

The discounted cash flow (“DCF”) model calculates an expected loss percentage for each loan class by considering the probability of default, using life-of-loan analysis periods for the commercial and industrial, commercial real estate, residential real estate loan segments, and the historical severity of loss, based on the aggregate net lifetime losses incurred per loan class. The expected loss estimates for the consumer loan segment are based on historical loss rates using the remaining life method. 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 nonperforming 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.

 

The company uses a WARM method to estimate the ACL for the consumer loan segment. Under this method, the historical average annual charge-off rate is applied to the weighted average remaining maturity of the loan portfolio, currently calculated at 2.5 years. This calculation is adjusted based on additional factors that include (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 nonperforming loans; (6) the quality of our loan review system and (7) the value of underlying collateral for collateralized loans.

 

17 

 

 

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.

 

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 outstanding off-balance-sheet credit exposures that are unconditionally cancellable by the Company. 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.

 

Based on the foregoing, management believes that the Company is appropriately provisioned for the current economic environment and supportable forecast period as of December 31, 2024. For the year ended December 31, 2024, the Company recorded a reversal of credit losses of $665,000, compared to a provision for credit losses of $872,000 during the year ended December 31, 2023. The $665,000 reversal of credit losses during the year ended December 31, 2024 was comprised of an $825,000 reversal of credit losses, which was offset by a $160,000 reserve on unfunded loan commitments related to the impact of higher unfunded loan commitments for the period.

 

Allocation of Allowance for Credit Losses.

 

The following tables set forth the allowance for credit losses allocated by loan category, the total loan balances by category, and the percent of loans in each category to total loans.

 

   December 31, 2024   December 31, 2023 
Loan Category  Amount of Allowance for Credit Losses   Loan Balances by Category   Percent of Loans in Each Category to Total Loans   Amount of Allowance for Loan Losses   Loan Balances by Category   Percent of Loans in Each Category to Total Loans 
   (Dollars in thousands) 
     
Commercial real estate  $13,677   $1,075,732    52.0%  $15,141   $1,079,751    53.3%
Real estate mortgage:                              
 Residential one-to-four family   2,660    653,802    31.6    2,161    612,315    30.3 
Home equity   496    121,857    5.9    387    109,839    5.4 
Commercial and industrial loans   2,477    211,656    10.3    2,537    217,447    10.7 
Consumer loans   219    4,391    0.2    41    5,472    0.3 
Total allowances for credit losses  $19,529   $2,067,438    100.0%  $20,267   $2,024,824    100.0%
                               

 

18 

 

 

Investment Activities.

 

The primary objectives of the Bank’s securities portfolio are to provide liquidity and maximize income while preserving safety of principal. Secondary objectives include: providing collateral to secure local municipal deposits, the investment of funds during periods of decreased loan demand, interest rate sensitivity considerations, supporting local communities through the purchase of tax-exempt securities and tax planning considerations. The Bank’s Board of Directors (the “Bank’s Board”) is responsible for establishing overall policy and reviewing performance of the Bank’s investments.

 

Under the Bank’s policy, acceptable portfolio investments include: United States Government obligations, obligations of federal agencies or U.S. Government-sponsored enterprises, mortgage-backed securities, municipal obligations (general obligations, revenue obligations, school districts and non-rated issues from the Bank’s general market area), banker’s acceptances, certificates of deposit, Industrial Development Authority Bonds, Public Housing Authority Bonds, corporate bonds (each corporation limited to the Bank’s legal lending limit), marketable equity securities, collateralized mortgage obligations, Small Business Investment Companies (SBIC), Federal Reserve stock and FHLB stock.

 

The Bank’s internal investment policy sets limits as a percentage of the total portfolio, identifies acceptable and unacceptable investment practices, and denotes approved security dealers. The effect of changes in interest rates, market values, timing of principal payments and credit risk are considered when purchasing securities.

 

As of the balance sheet dates reflected in this annual report, HTM securities are carried at amortized cost and AFS securities are carried at fair value.

 

Marketable equity securities are measured at fair value with changes in fair value reported on the Company’s income statement as a component of non-interest income, regardless of whether such gains and losses are realized.

 

Restricted Equity Securities.

 

At December 31, 2024 and December 31, 2023, the Company held $5.4 million and $3.3 million, respectively, of FHLB stock. The FHLB stock is carried at cost and classified as a restricted equity security. The investment must be held as a condition of membership in the FHLB and as a condition for the Bank to borrow from the FHLB. We may be required to purchase additional FHLB stock if we increase FHLB borrowings in the future. The Company periodically evaluates its investment in FHLB stock for impairment based on, among other factors, the capital adequacy of the FHLB and its overall financial condition.

 

At December 31, 2024 and December 31, 2023, the Company held $423,000 of Atlantic Community Bankers Bank stock. The stock is restricted and carried in other assets at cost. The stock is evaluated for impairment based on an estimate of the ultimate recovery to the par value. No impairment losses have been recorded through December 31, 2024.

 

19 

 

Securities Portfolio Maturities.

 

The composition and maturities of the debt securities portfolio and the mortgage-backed securities portfolio at December 31, 2024 are summarized in the following table. Maturities are based on the final contractual payment dates, and do not reflect the impact of prepayments or redemptions that may occur. Weighted average yield is calculated using the amortized cost and yield to maturity of securities divided by the total amortized cost of the segment, and does not adjust for tax-equivalent basis for any tax-exempt obligations.

 

           More than One Year   More than Five Years                     
   One Year or Less   through Five Years   through Ten Years   More than Ten Years   Total Securities 
       Weighted       Weighted       Weighted       Weighted           Weighted 
   Amortized   Average   Amortized   Average   Amortized   Average   Amortized   Average   Amortized   Fair   Average 
   Cost   Yield   Cost   Yield   Cost   Yield   Cost   Yield   Cost   Value   Yield 
   (Dollars in thousands) 
Available-for-sale:                                            
Debt securities:                                                       
Government-sponsored enterprise obligations  $—    —%  $—    —%  $17,427    1.91%  $1,997    5.42%  $19,424   $16,458    2.27%
Corporate bonds   —    —    —    —    5,000    5.70    —    —    5,000    4,610    5.70 
  Total debt securities    —    —    —    —    22,427    2.75    1,997    5.42    24,424    21,068    2.97 
                                                        
Mortgage-backed securities:                                                       
Government-sponsored residential mortgage-backed   —    —    843    2.45    2,807    4.31    157,663    2.61    161,313    134,778    2.64 
U.S. Government guaranteed residential mortgage-backed   —    —    —    —    —    —    6,203    1.61    6,203    4,858    1.61 
 Total mortgage-backed securities    —    —    843    2.45    2,807    4.31    163,866    2.57    167,516    139,636    2.60 
                                                        
Total available-for-sale  $—    —%  $843    2.45%  $25,234    2.93%  $165,863    2.61%  $191,940   $160,704    2.65%
                                                        
Held-to-maturity:                                                       
Debt securities:                                                       
U.S. Treasury securities  $—    —%  $5,002    1.23%  $—    —%  $—    —%  $5,002   $4,727    1.23%
U.S. Government guaranteed obligations   —    —    —    —    —    —    1,064    5.89    1,064    1,061    5.89 
Total debt securities   —    —    5,002    1.23    —    —    1,064    5.89    6,066    5,788    2.05 
                                                        
Mortgage-backed securities:                                                       
Government-sponsored residential mortgage-backed   —    —    —    —    2,524    2.27    196,446    2.29    198,970    159,818    2.29 
Total mortgage-backed securities   —    —    —    —    2,524    2.27    196,446    2.29    198,970    159,818    2.29 
                                                        
Total held-to-maturity  $—    —%  $5,002    1.23%  $2,524    2.27%  $197,510    2.31%  $205,036   $165,606    2.28%

20 

 

At December 31, 2024, the Company had $160.7 million in securities classified as AFS, $205.0 million in HTM, marketable equity securities of $397,000, and no securities classified as trading. Securities classified as AFS were reported for financial reporting purposes at the fair value with net changes in the fair value from period to period included as a separate component of shareholders’ equity, net of income taxes. Changes in the fair value of debt securities classified as HTM or AFS do not affect our income, unless we determine there to be incurred credit losses for those securities in an unrealized loss position.

 

At December 31, 2024, the Company reported unrealized losses on the available-for-sale securities portfolio of $31.2 million, or 16.2% of the amortized cost basis of the available-for-sale securities portfolio, compared to unrealized losses of $29.2 million, or 17.5% of the amortized cost basis of the available-for-sale securities at December 31, 2023. At December 31, 2024, the Company reported unrealized losses on the held-to-maturity securities portfolio of $39.4 million, or 19.2% of the amortized cost basis of the held-to-maturity securities portfolio, compared to $35.7 million, or 16.0% of the amortized cost basis of the held-to-maturity securities portfolio at December 31, 2023. As of December 31, 2024, management concluded that there were no incurred credit losses at December 31, 2024 as all unrealized losses were related to interest rate fluctuations rather than any underlying credit quality of the issuers. Additionally, the Company has no plans to sell these securities and has concluded that it is unlikely it would have to sell these securities prior to the anticipated recovery of the unrealized losses.

 

Deposits.

 

At December 31, 2024 and December 31, 2023, total deposits were $2.3 billion and $2.1 billion, respectively. Customer deposits represent the primary source of the Bank’s funds for lending and other investment purposes. The Company offers a wide variety of deposit products, including commercial, small business, nonprofit and municipal checking, money market and sweep accounts, as well as time deposits. A broad selection of competitive retail deposit products are also offered, including interest-bearing and noninterest-bearing checking, money market and savings accounts, as well as time deposits and individual retirement accounts, with terms on time deposits ranging from three months to sixty months. As a member of the FDIC, the Bank’s depositors are provided deposit protection up to the maximum FDIC insurance coverage limits.

 

Management determines the interest rates offered on deposit accounts based on current and expected economic conditions, competition, and the Bank’s liquidity needs, volatility of existing deposits, asset/liability position and overall objectives regarding the growth and retention of relationships. We may also utilize brokered deposits, both term and overnight, from a number of available sources, as part of our asset liability management strategy and as an alternative to borrowed funds to support asset growth in excess of internally generated deposits. Brokered deposits along with borrowed funds may be referred to as wholesale funding. There were $1.7 million in brokered deposits on the balance sheet at December 31, 2024 and 2023 reported within time deposits.

 

At December 31, 2024, uninsured deposits, defined as deposits that exceed the limits provided by the FDIC, were 28.4% of total deposits, compared to 26.8% of total deposits, at December 31, 2023.

 

Core deposits (which the Company defines as all deposits except time deposits) represented 68.9% of total deposits at December 31, 2024 and 71.5% at December 31, 2023. At December 31, 2024, time deposits with remaining terms to maturity of less than one year amounted to $694.9 million. See “Management’s Discussion and Analysis of Financial Condition and Results of Operations — Net Interest and Dividend Income” for information relating to the average balances and costs of our deposit accounts for the years ended December 31, 2024, 2023 and 2022.

 

Cash Management Services.

 

In addition to the deposit products discussed above, commercial and municipal customers may take advantage of cash management services including remote deposit capture, Automated Clearing House credit and debit origination, check payment fraud prevention, international and domestic wire transfers and corporate credit cards.

 

IntraFi Network, Certificate of Deposit Account Registry Service (“CDARS”) and Insured Cash Sweep Service (“ICS”).

 

We participate in the IntraFi Network which provides depositors with FDIC pass-through insurance. Depositors can open a reciprocal time deposit through CDARS or a reciprocal checking or money market account through ICS. We use CDARS to place client funds into time deposit accounts and ICS to place client funds into checking and money market accounts, respectively, into other participating banks. These transactions occur in amounts that are less than FDIC insurance limits to ensure that deposits are eligible for FDIC insurance on the full amount of their deposits. The IntraFi Network allows for up to $250.0 million per customer of pass-through FDIC insurance. At December 31, 2024 and December 31, 2023, there were $36.9 million and $28.7 million, respectively, in CDARS deposits reported within time deposits, and $22.3 million and $35.1 million, respectively, in ICS accounts reflected within core deposits.

 

21 

 

 

Deposit Distribution and Weighted Average Rates.

 

The following table sets forth the Company’s average deposit balances and weighted average rates for the periods presented:

 

   For the Years Ended December 31, 
   2024   2023   2022 
   Amount   Percent   Weighted Average Rates   Amount   Percent   Weighted Average Rates   Amount   Percent   Weighted Average Rates 
   (Dollars in thousands) 
Demand accounts  $561,264    25.8%   —%  $602,652    27.8%   —%  $647,971    28.6%   —%
Interest-bearing accounts   136,861    6.3    0.75    142,005    6.5    0.73    139,993    6.2    0.38 
Savings accounts   182,678    8.4    0.09    202,354    9.3    0.09    222,267    9.8    0.07 
Money market accounts   631,197    29.0    1.94    697,621    32.2    1.37    890,763    39.4    0.36 
Total core deposits   1,512,000    69.5    0.89    1,644,632    75.8    0.65    1,900,994    84.0    0.20 
Time deposits   666,917    30.5    4.32    524,827    24.2    3.03    363,258    16.0    0.41 
Total deposits  $2,178,917    100.0%   1.94%  $2,169,459    100.0%   1.23%  $2,264,252    100.0%   0.24%

 

The following table sets forth the maturity of time deposits at the dates indicated:

 

   At December 31, 
   2024   2023   2022 
   Amount   Percent   Weighted Average Rates   Amount   Percent   Weighted Average Rates   Amount   Percent   Weighted Average Rates 
   (Dollars in thousands) 
Due within the year  $694,916    98.8%   4.26%  $596,292    97.5%   3.81%  $288,697    70.1%   0.69%
Over 1 year through 3 years   6,403    0.9    0.60    12,472    2.1    0.85    119,117    28.9    2.91 
Over 3 years   2,264    0.3    3.54    2,588    0.4    0.05    3,876    1.0    0.14 
Total time deposits  $703,583    100.0%   4.23%  $611,352    100.0%   3.73%  $411,690    100.0%   1.33%

 

22 

 

 

The following table sets forth the uninsured portion of our core deposit accounts, by account type, at the dates indicated.

 

   At December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
     
Core deposits:(1)               
Demand accounts  $145,995   $156,646   $177,464 
Interest-bearing accounts   95,735    64,097    105,644 
Savings accounts   5,423    2,243    3,218 
Money market accounts   244,214    226,536    303,898 
Total core deposits  $491,367   $449,522   $590,224 

 

The following table sets forth the uninsured portion of our time deposits, by remaining maturity.

 

   At December 31, 2024 
   (Dollars in thousands) 
      
Time deposits:(1)     
3 months or less  $31,089 
Over 3 months through 6 months   99,595 
Over 6 months through 12 months   21,525 
Over 12 months   — 
Total time deposits  $152,209 

 

 

(1)Uninsured deposits for the periods indicated have been estimated using the same methodologies and assumptions used for the Bank’s regulatory reporting requirements.

 

Time Deposit Maturities.

 

A summary of time deposits totaling $250,000 or more by maturity is as follows (1):

 

    December 31, 2024   December 31, 2023 
    Amount   Weighted Average Rate   Amount   Weighted Average Rate 
    (Dollars in thousands) 
3 months or less   $49,250    4.61%  $110,400    3.96%
Over 3 months through 6 months    152,243    4.56    55,540    4.31 
Over 6 months through 12 months    31,212    3.97    30,357    4.51 
Over 12 months    1,672    4.75    2,294    0.72 
     Total:   $234,377    4.49%  $198,591    4.10%

 

(1)

Time deposit balances represent those exceeding the fully-insured FDIC limitation of $250,000.

 

23 

 

Other Sources of Funds.

 

In addition to deposits, other sources of funds include loan repayments, loan sales on the secondary market, interest and dividend income from investments, matured investments, borrowings from the FHLB and from correspondent banks, and issuance of securities.

 

Federal Home Loan Bank, Federal Reserve Bank of Boston and Other Borrowings.

 

The Company utilizes advances from the FHLB and the Federal Reserve Bank of Boston (“FRB”), as well as other funding sources, as part of our overall funding strategy, to meet short-term liquidity needs and to manage interest rate risk arising from the difference in asset and liability maturities.

 

The Bank is a member of the FHLB, which is part of the Federal Home Loan Bank System. Members are required to own capital stock of the FHLB, and borrowings are collateralized by qualifying assets not otherwise pledged. The maximum amount of credit that the FHLB will extend varies from time to time, depending on its policies and the amount of qualifying collateral the member can pledge. The Bank had satisfied its collateral requirement at December 31, 2024.

 

The Company utilized the Bank Term Funding Program (“BTFP”), which was created in March 2023 to enhance banking system liquidity by allowing institutions to pledge certain securities at par value and borrow at a rate of ten basis points over the one-year overnight index swap rate. The BTFP was available to federally insured depository institutions in the U.S., with advances having a term of up to one year with no prepayment penalties. The BTFP ceased extending new advances in March 2024. At December 31, 2023, the Company’s outstanding balance under the BTFP was $90.0 million. There was no outstanding balance under the BTFP at December 31, 2024.

 

At December 31, 2024, total short-term borrowings and long-term debt decreased $33.4 million, or 24.4%, from $136.7 million at December 31, 2023 to $103.4 million. At December 31, 2024, short-term borrowings decreased $10.7 million, or 66.5%, to $5.4 million, compared to $16.1 million at December 31, 2023. Long-term borrowings decreased $22.6 million, or 18.8%, from $120.6 million at December 31, 2023 to $98.0 million at December 31, 2024. At December 31, 2024, long-term borrowings consisted of $98.0 million outstanding with the FHLB, whereas at December 31, 2023, long-term borrowings consisted of $30.6 million outstanding with the FHLB and $90.0 million outstanding under the BTFP.

 

Total short-term borrowings and long-term debt outstanding and weighted average rates at the periods indicated are presented below:

 

   December 31, 2024   December 31, 2023 
   Balance Outstanding   Weighted Average Rate   Balance Outstanding   Weighted Average Rate 
   (Dollars in millions) 
     
Short-term borrowings  $5.4    4.33%  $16.1    5.47%
Long-term debt   98.0    4.97    120.6    4.73 
Total  $103.4    4.94%  $136.7    4.82%

 

The Bank has additional borrowing capacity at the FHLB up to a certain percentage of the value of qualified collateral. In accordance with agreements with the FHLB, the qualified collateral must be free and clear of liens, pledges and encumbrances. At December 31, 2024, the Bank had pledged $906.0 million of eligible collateral to support borrowing capacity at the FHLB of Boston. This relationship is an integral component of the Company’s asset-liability management program. At December 31, 2024, the Bank had immediate availability at the FHLB, including its overnight Ideal Way Line of Credit, to borrow an additional $464.1 million based on qualified collateral.

 

24 

 

 

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. At December 31, 2024 and 2023, the Company did not have any outstanding advances under the facility.

 

In addition, at December 31, 2024 and 2023, the Company had an available line of credit of $382.9 million and $48.6 million, respectively, 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 loans and securities from the Company’s investment portfolio not otherwise pledged. As of December 31, 2024 and December 31, 2023, there were no advances outstanding under the Discount Window.

 

The following table lists FHLB and FRB liquidity information as of December 31, 2024:

 

   At December 31, 2024 
   Total Available
Borrowing Capacity		   Required Collateral on Balance Outstanding   Net Available Borrowing Capacity 
   (Dollars in millions) 
             
FHLB(1)  $574.3   $119.7   $464.1 
FRB Discount Window   382.9    —    382.9 
Total  $957.2   $119.7   $847.0 

 

 

(1)FHLB required collateral includes short and long-term advances and FHLB letters of credit. Net available borrowing capacity includes the $9.5 million in Ideal Way Line of Credit availability.

 

The Company also has pre-established, unsecured overnight borrowing arrangements with large national and regional correspondent banks to provide additional overnight and short-term borrowing capacity for the Company. At December 31, 2024, the Company had borrowing capacity with two correspondent banks consisting of a $15.0 million and a $10.0 million unsecured lines of credit, both arrangements were at an interest rate determined and reset on a daily basis. As of December 31, 2024 and December 31, 2023, there were no advances outstanding under these lines.

 

Subordinated Debt.

 

On April 20, 2021, 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. The Company intends to use the net proceeds of the offering for general corporate purposes, including organic growth and repurchase of the Company’s common shares.

 

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 (ii) 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. At December 31, 2024, $19.8 million aggregate principle amount of the Notes was outstanding.

 

25 

 

Financial Services.

 

Westfield Bank also provides access to insurance and investment products through Westfield Investment Services through LPL Financial (“LPL”), a third-party registered broker-dealer. Westfield Investment Services representatives provide a broad range of wealth management, investment, insurance, financial planning and strategic asset management services, helping clients meet all of their financial needs.

 

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Westfield Bank and Westfield Investment Services are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Westfield Investment Services, and may also be employees of Westfield Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of Westfield Bank or Westfield Investment Services. Securities and insurance offered through LPL or its affiliates are:

 

Not Insured by FDIC or Any Other Government Agency Not Bank Guaranteed
Not Bank Deposits or Obligations May Lose Value

 

Supervision and Regulation.

 

The Company and the Bank are subject to extensive regulation under federal and state laws. The regulatory framework applicable to savings and loan holding companies and their insured depository institution subsidiaries is intended to protect depositors, the federal deposit insurance fund (the “DIF”), consumers and the U.S. banking system, rather than investors.

 

Set forth below is a summary of the significant laws and regulations applicable to Western New England Bancorp and its subsidiaries. The summary description that follows is qualified in its entirety by reference to the full text of the statutes, regulations, and policies that are described. Such statutes, regulations, and policies are subject to ongoing review by Congress and state legislatures and federal and state regulatory agencies. A change in any of the statutes, regulations, or regulatory policies applicable to Western New England Bancorp and its subsidiaries could have a material effect on the results of the Company.

 

Overview.

 

Western New England Bancorp is a separate and distinct legal entity from the Bank. The Company is a Massachusetts-chartered stock holding company and a registered savings and loan holding company under the Home Owners’ Loan Act, as amended (the “HOLA”), and is subject to the supervision of and regular examination by the Board of Governors of the Federal Reserve System (the “FRB,” the “Federal Reserve Board” or the “Federal Reserve”) as its primary federal regulator. In addition, the Federal Reserve Board has enforcement authority over Western New England Bancorp and its non-savings association subsidiaries. Western New England Bancorp is also subject to the jurisdiction of the SEC and is subject to the disclosure and other regulatory requirements of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended, as administered by the SEC. Western New England Bancorp is traded on the NASDAQ under the ticker symbol, “WNEB,” and is subject to the NASDAQ stock market rules.

 

Westfield Bank is organized as a federal savings association under the HOLA. The Bank is subject to the supervision of, and to regular examination by, the OCC as its chartering authority and primary federal regulator. To a limited extent, the Bank is also subject to the supervision and regulation of the FDIC as its deposit insurer. Financial products and services offered by Western New England Bancorp and the Bank are subject to federal consumer protection laws and implementing regulations promulgated by the Consumer Financial Protection Bureau (the “CFPB”). Western New England Bancorp and the Bank are also subject to oversight by state attorneys general for compliance with state consumer protection laws. The Bank’s deposits are insured by the FDIC up to the applicable deposit insurance limits in accordance with FDIC laws and regulations. The Bank is a member of the FHLB, and is subject to the rules and requirements of the FHLB. The subsidiaries of Western New England Bancorp and the Bank are subject to federal and state laws and regulations, including regulations of the FRB and the OCC, respectively.

 

26 

 

 

Set forth below is a description of the significant elements of the laws and regulations applicable to Western New England Bancorp and its subsidiaries. Statutes, regulations and policies are subject to ongoing review by Congress, state legislatures and federal and state agencies. A change in any statute, regulation or policy applicable to Western New England Bancorp may have a material effect on the results of Western New England Bancorp and its subsidiaries.

 

Federal Savings and Loan Holding Company Regulation.

 

Western New England Bancorp is a savings and loan holding company as defined by the HOLA. In general, the HOLA restricts the business activities of savings and loan holding companies to those permitted for financial holding companies under the BHC Act. Permissible businesses activities include banking, managing or controlling banks and other activities that the FRB has determined to be so closely related to banking “as to be a proper incident thereto,” as well as any activity that is either (i) financial in nature or incidental to such financial activity (as determined by the FRB in consultation with the Secretary of the Treasury) or (ii) complementary to a financial activity, and that does not pose a substantial risk to the safety and soundness of depository institutions or the financial system generally (as determined solely by the FRB). Activities that are financial in nature include, among others, securities underwriting and dealing, insurance underwriting and making merchant banking investments.

 

Mergers and Acquisitions.

 

The HOLA, the federal Bank Merger Act and other federal and state statutes regulate direct and indirect acquisitions of savings associations by savings and loan holding companies or other savings associations. The HOLA requires the prior approval of the FRB for the direct or indirect acquisition of more than 5% of the voting shares of a savings association or its parent holding company and for a company, other than a savings and loan holding company, to acquire “control” of a savings association or a savings and loan holding company. A company can be deemed to “control” a savings association or a savings and loan holding company by owning or controlling, directly or indirectly, more than 25% of the voting shares, but even below that threshold, a company can be found to have “control” through other controlling influences. Under the Change in Bank Control Act, no person, including a company, may acquire, directly or indirectly, control of an insured depository institution without providing 60 days’ prior notice and receiving a non-objection from the appropriate federal banking agency.

 

Under the Bank Merger Act, the prior approval of the OCC is required for a federal savings association to merge with another insured depository institution, where the resulting institution is a federal savings association, or to purchase the assets or assume the deposits of another insured depository institution. In reviewing applications seeking approval of merger and acquisition transactions, the federal bank regulatory agencies must consider, among other things, the competitive effect and public benefits of the transactions, the capital position of the combined organization, performance records under the Community Reinvestment Act of 1977 (see the section captioned “Community Reinvestment Act of 1977” included elsewhere in this section) and the effectiveness of the subject organizations in combating money laundering.

 

Source of Strength Doctrine.

 

FRB policy requires savings and loan holding companies to act as a source of financial and managerial strength to their subsidiary savings associations. Section 616 of the Dodd-Frank Act codified the requirement that holding companies act as a source of financial strength to their insured depository institution subsidiaries. As a result, Western New England Bancorp is expected to commit resources to support the Bank, including at times when Western New England Bancorp may not be in a financial position to provide such resources. Any capital loans by a savings and loan holding company to any of its subsidiary savings associations are subordinate in right of payment to deposits and to certain other indebtedness of such subsidiary savings associations. In the event of a savings and loan holding company’s bankruptcy, any commitment by the savings and loan holding company to a federal banking agency to maintain the capital of a subsidiary insured depository institution will be assumed by the bankruptcy trustee and entitled to priority of payment.

 

27 

 

Dividends.

 

The Company is a legal entity separate and distinct from its subsidiaries. The revenue of the Company (on a parent-only basis) is derived primarily from dividends paid to it by the Bank and the Company’s other subsidiaries. The right of the Company, and consequently the right of shareholders of the Company, to participate in any distribution of the assets or earnings of its subsidiaries through the payment of dividends or otherwise is subject to the prior claims of creditors of the subsidiaries, including, with respect to the Bank, depositors of the Bank, except to the extent that certain claims of the Company in a creditor capacity may be recognized.

 

Restrictions on Bank Holding Company Dividends.

 

The Federal Reserve has the authority to prohibit bank holding companies from paying dividends if such payment is deemed to be an unsafe or unsound practice. The Federal Reserve has indicated generally that it may be an unsafe or unsound practice for bank holding companies to pay dividends unless the bank holding company’s net income over the preceding year is sufficient to fund the dividends and the expected rate of earnings retention is consistent with the organization’s capital needs, asset quality, and overall financial condition. Further, under the Federal Reserve’s capital rules, the Company’s ability to pay dividends is restricted if it does not maintain capital above the capital conservation buffer (See Capital Adequacy below).

 

Restrictions on Bank Dividends.

 

The OCC has the authority to use its enforcement powers to prohibit a bank from paying dividends if, in its opinion, the payment of dividends would constitute an unsafe or unsound practice. Federal law also prohibits the payment of dividends by a bank that will result in the bank failing to meet its applicable capital requirements on a pro forma basis.

 

The principal source of Company’s liquidity is dividends from the Bank. The OCC oversees the ability of the Bank to make capital distributions, including dividends. The OCC generally prohibits a depository institution from making any capital distributions (including payment of a dividend) if the bank would thereafter be undercapitalized. The OCC’s prior approval is required if the total of all dividends declared by a federal savings association in any calendar year would exceed the sum of the bank’s net income for that year and its undistributed net income for the preceding two calendar years, less any required transfers to surplus, or if the bank would not be well capitalized after the dividend.

 

In addition, section 10(f) of the HOLA requires a subsidiary savings association of a savings and loan holding company, such as the Bank, to file a notice with the Federal Reserve prior to declaring certain types of dividends.

 

Capital Adequacy.

 

In July 2013, the FRB, the OCC and the FDIC approved final rules (the “Capital Rules”) that established a new capital framework for U.S. banking organizations. The Capital Rules generally implement the Basel Committee on Banking Supervision’s December 2010 final capital framework referred to as “Basel III” for strengthening international capital standards. In addition, the Capital Rules implement certain provisions of the Dodd-Frank Act. Pursuant to the Dodd-Frank Act, Western New England Bancorp, as a savings and loan holding company, is subject to the Capital Rules.

 

The Capital Rules substantially revised the risk-based capital requirements applicable to holding companies and their depository institution subsidiaries as compared to prior U.S. general risk-based capital rules. The Capital Rules revised the definitions and the components of regulatory capital and impacted the calculation of the numerator in banking institutions’ regulatory capital ratios. The Capital Rules became effective on January 1, 2015, subject to phase-in periods for certain components and other provisions.

 

28 

 

 

The Capital Rules: (i) require a capital measure called “Common Equity Tier 1” (“CET1”) and related regulatory capital ratio of CET1 to risk-weighted assets; (ii) specify that Tier 1 capital consists of CET1 and “Additional Tier 1 capital” instruments meeting certain revised requirements; (iii) mandate that most deductions/adjustments to regulatory capital measures be made to CET1 and not to the other components of capital; and (iv) expand the scope of the deductions from and adjustments to capital as compared to existing regulations. Under the Capital Rules, for most banking organizations, including Western New England Bancorp, the most common form of Additional Tier 1 capital is non-cumulative perpetual preferred stock and the most common forms of Tier 2 capital are subordinated notes and a portion of the allocation for loan and lease losses, in each case, subject to the Capital Rules’ specific requirements.

 

Pursuant to the Capital Rules, the minimum capital ratios are:

 

●4.5% CET1 to risk-weighted assets;

●6.0% Tier 1 capital (that is, CET1 plus Additional Tier 1 capital) to risk-weighted assets;

●8.0% Total capital (that is, Tier 1 capital plus Tier 2 capital) to risk-weighted assets; and

●4.0% Tier 1 capital to average consolidated assets as reported on consolidated financial statements (known as the “leverage ratio”).

 

The Capital Rules also require a “capital conservation buffer,” composed entirely of CET1, on top of these minimum risk-weighted asset ratios. The capital conservation buffer is designed to absorb losses during periods of economic stress. Banking institutions with a ratio of CET1 to risk-weighted assets above the minimum but below the capital conservation buffer will face constraints on dividends, equity and other capital instrument repurchases and compensation based on the amount of the shortfall. The additional capital conservation buffer must be 2.5% of CET1, effectively resulting in minimum ratios inclusive of the capital conservation buffer of (i) CET1 to risk-weighted assets of at least 7%, (ii) Tier 1 capital to risk-weighted assets of at least 8.5%, and (iii) Total capital to risk-weighted assets of at least 10.5%.

 

The Capital Rules provide for a number of deductions from and adjustments to CET1, which have been simplified for non-advanced approaches institutions since the time the Capital Rules were initially finalized.

 

In addition, under the current general risk-based capital rules, the effects of accumulated other comprehensive income or loss (“AOCI”) items included in shareholders’ equity (for example, marks-to-market of securities held in the AFS portfolio) under generally accepted accounting principles in the United States of America (“GAAP”) are reversed for the purposes of determining regulatory capital ratios. Under the Capital Rules, the effects of certain AOCI items are not excluded; however, banking organizations not using advanced approaches, were permitted to make a one-time permanent election to continue to exclude these items in January 2015. The Company and the Bank made this election.

 

The risk-weighting categories in the Capital Rules are standardized and include a risk-sensitive number of categories, depending on the nature of the assets, generally ranging from 0% for U.S. government and agency securities, to 600% for certain equity exposures, and resulting in higher risk weights for a variety of assets. The implementation of the Capital Rules did not have a material impact on the Company’s or the Bank’s consolidated capital levels.

 

The Bank is subject to the Capital Rules as well. The Company and the Bank are each in compliance with the targeted capital ratios under the Capital Rules at December 31, 2024.

 

In September 2019, the OCC, the Federal Reserve Board and the FDIC adopted a final rule that was intended to further simplify the Capital Rules for depository institutions and their holding companies that have less than $10 billion in total consolidated assets, such as us, if such institutions meet certain qualifying criteria. This final rule became effective on January 1, 2020. Under this final rule, if we meet the qualifying criteria, including having a leverage ratio (equal to tier 1 capital divided by average total consolidated assets) of greater than 9 percent, we will be eligible to opt into the community bank leverage ratio framework. If we opt into this framework, we will be considered to have satisfied the generally applicable risk-based and leverage capital requirements in the Capital Rules (as modified pursuant to the simplification rule) and will be considered to have met the well-capitalized ratio requirements for PCA (as defined below) purposes. The Company and the Bank evaluated the simplified Capital Rules to determine our adoption status for the applicable filings periods beginning in 2020 and decided not to opt in to the community bank leverage ratio framework.

 

29 

 

Prompt Corrective Action.

 

Pursuant to Section 38 of the Federal Deposit Insurance Act (“FDIA”), federal banking agencies are required to take “prompt corrective action” (“PCA”) should an insured depository institutions fail to meet certain capital adequacy standards. At each successive lower capital category, an insured depository institution is subject to more restrictions and prohibitions, including restrictions on growth, restrictions on interest rates paid on deposits, restrictions or prohibitions on payment of dividends and restrictions on the acceptance of brokered deposits. Furthermore, if an insured depository institution is classified in one of the undercapitalized categories, it is required to submit a capital restoration plan to the appropriate federal banking agency, and the holding company must guarantee the performance of that plan. Based upon its capital levels, a bank that is classified as well-capitalized, adequately capitalized, or undercapitalized may be treated as though it were in the next lower capital category if the appropriate federal banking agency, after notice and opportunity for hearing, determines that an unsafe or unsound condition, or an unsafe or unsound practice, warrants such treatment.

 

For purposes of PCA, to be: (i) well-capitalized, an insured depository institution must have a total risk based capital ratio of at least 10%, a Tier 1 risk based capital ratio of at least 8%, a CET1 risk based capital ratio of at least 6.5%, and a Tier 1 leverage ratio of at least 5%; (ii) adequately capitalized, an insured depository institution must have a total risk based capital ratio of at least 8%, a Tier 1 risk based capital ratio of at least 6%, a CET1 risk based capital ratio of at least 4.5%, and a Tier 1 leverage ratio of at least 4%; (iii) undercapitalized, an insured depository institution would have a total risk based capital ratio of less than 8%, a Tier 1 risk based capital ratio of less than 6%, a CET1 risk based capital ratio of less than 4.5%, and a Tier 1 leverage ratio of less than 4%; (iv) significantly undercapitalized, an insured depository institution would have a total risk based capital ratio of less than 6%, a Tier 1 risk based capital ratio of less than 4%, a CET1 risk based capital ratio of less than 3%, and a Tier 1 leverage ratio of less than 3%.; and (v) critically undercapitalized, an insured depository institution would have a ratio of tangible equity to total assets that is less than or equal to 2%. As of December 31, 2024, the Bank was “well-capitalized” under the PCA framework.

 

Business Activities.

 

The Bank derives its lending and investment powers from the HOLA and its implementing regulations promulgated by the OCC. Those laws and regulations limit the Bank’s authority to invest in certain types of assets and to make certain types of loans. Permissible investments include, but are not limited to, mortgage loans secured by residential and commercial real estate, commercial and consumer loans, certain types of debt securities, and certain other assets. The Bank may also establish service corporations that may engage in activities not otherwise permissible for the Bank, including certain real estate equity investments and securities and insurance brokerage.

 

Loans to One Borrower.

 

Generally, a federal savings bank may not make a loan or extend credit to a single borrower or related group of borrowers if the aggregate of all loans or extensions of credit to that single borrower or related group of borrowers would be in excess of 15% of the bank’s unimpaired capital and surplus. An additional amount may be loaned, equal to 10% of unimpaired capital and surplus, if the aggregate amount of any loan above 15% of the bank’s unimpaired capital and surplus is fully secured by readily marketable collateral, which generally does not include real estate. As of December 31, 2024, we were in compliance with these limitations on loans to one borrower.

 

Concentrated Commercial Real Estate Lending Regulations.

 

The federal banking agencies, including the OCC, have promulgated guidance governing financial institutions with concentrations in commercial real estate lending. The guidance provides that a bank has a concentration in commercial real estate lending if (i) total reported loans for construction, land development, and other land represent 100% or more of total capital or (ii) total reported loans secured by multifamily and nonfarm nonresidential properties (excluding loans secured by owner-occupied properties) and loans for construction, land development, and other land represent 300% or more of total capital and the bank’s commercial real estate loan portfolio has increased 50% or more during the prior 36 months.

 

If a concentration is present, management must employ heightened risk management practices that address the following key elements: board and management oversight and strategic planning, portfolio management, development of underwriting standards, risk assessment and monitoring through market analysis and stress testing, and maintenance of increased capital levels as needed to support the level of commercial real estate lending. On December 18, 2015, the federal banking agencies jointly issued a “Statement on Prudent Risk Management for Commercial Real Estate Lending” reminding banks of the need to engage in risk management practices for commercial real estate lending.

 

30 

 

 

Qualified Thrift Lender Test.

 

Under federal law, as a federal savings association, the Bank must comply with the qualified thrift lender test (the “QTL Test”). Under the QTL Test, the Bank is required to maintain at least 65% of its “portfolio assets” in certain “qualified thrift investments” in at least nine months of the most recent twelve-month period. “Portfolio assets” means, in general, the Bank’s total assets less the sum of:

 

●specified liquid assets up to 20% of total assets;

●goodwill and other intangible assets; and

●value of property used to conduct the Bank’s business.

 

“Qualified thrift investments” include certain assets that are includable without limit, such as residential and manufactured housing loans, home equity loans, education loans, small business loans, credit card loans, mortgage backed securities, FHLB stock and certain U.S. government obligations. In addition, certain assets are includable as “qualified thrift investments” in an amount up to 20% of portfolio assets, including certain consumer loans and loans in “credit-needy” areas.

 

The Bank may also satisfy the QTL Test by qualifying as a “domestic building and loan association” as defined in the Internal Revenue Code. Failure by the Bank to maintain its status as a qualified thrift lender (“QTL”) would result in restrictions on activities, including restrictions on branching and the payment of dividends. If the Bank were unable to correct that failure within a specified period of time, it must either continue to operate under those restrictions on its activities or convert to a national bank charter. The Bank met the QTL Test in each of the prior 12 months and, therefore, is a “qualified thrift lender.”

 

The Community Reinvestment Act.

 

The Community Reinvestment Act of 1977 (the “CRA”) and the regulations issued thereunder are intended to encourage banks to help meet the credit needs of their entire assessment area, including low and moderate income neighborhoods, consistent with the safe and sound operations of such banks. The CRA requires the OCC to evaluate the record of each financial institution in meeting such credit needs. The CRA evaluation is also considered by the bank regulatory agencies in evaluating approvals for mergers, acquisitions, and applications to open, relocate or close a branch or facility. Failure to adequately meet the criteria within CRA guidelines could impose additional requirements and limitations on the Bank. Additionally, the Bank must publicly disclose the ability to request the Bank’s CRA Performance Evaluation and other various related documents. The Bank received a rating of “Outstanding” on its most recent Community Reinvestment Act examination.

 

Consumer Protection and CFPB Supervision.

 

The Dodd-Frank Act centralized responsibility for consumer financial protection by creating the CFPB, an independent federal agency responsible for implementing, enforcing, and examining compliance with federal consumer financial laws. As Western New England Bancorp has less than $10 billion in total consolidated assets, the OCC continues to exercise primary examination authority over the Bank with regard to compliance with federal consumer financial laws and regulations. Under the Dodd-Frank Act, state attorneys general are also empowered to enforce rules issued by the CFPB.

 

The Company and the Bank are subject to a number of federal and state laws designed to protect borrowers and promote fair lending. These laws include, among others, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Truth in Lending Act, the Home Mortgage Disclosure Act, the Real Estate Settlement Procedures Act, various state law counterparts, and the Consumer Financial Protection Act of 2010.

 

31 

 

 

Transactions with Affiliates and Loans to Insiders.

 

Under federal law, transactions between insured depository institutions and their affiliates are governed by Sections 23A and 23B of the Federal Reserve Act (“FRA”), and the FRB’s implementing Regulation W. In a holding company context, at a minimum, the parent holding company of a bank or savings association, and any companies which are controlled by such parent holding company, are “affiliates” of the bank or savings association. Generally, sections 23A and 23B are intended to protect insured depository institutions from losses arising from transactions with non-insured affiliates, by limiting the extent to which a depository institution or its subsidiaries may engage in covered transactions with any one affiliate and with all affiliates of the depository institution in the aggregate, and by requiring that such transactions be on terms that are consistent with safe and sound banking practices.

 

Section 22(h) of the FRA restricts loans to directors, executive officers, and principal stockholders (“Insiders”). Under Section 22(h), loans to Insiders and their related interests may not exceed, together with all other outstanding loans to such persons and affiliated entities, the insured depository institution’s total capital and surplus. Loans to Insiders above specified amounts must receive the prior approval of the Board. Further, under Section 22(h), loans to insiders must be made on terms substantially the same as offered in comparable transactions to other persons, except that such Insiders may receive preferential loans made under a benefit or compensation program that is widely available to the bank’s employees and does not give preference to the insider over the employees. Section 22(g) of the FRA places additional limitations on loans to executive officers.

 

Enforcement.

 

The OCC has primary enforcement responsibility over federal savings associations, including the Bank. This enforcement authority includes, among other things, the ability to assess civil money penalties, to issue cease and desist orders and to remove directors and officers. In general, these enforcement actions may be initiated in response to unsafe or unsound practices, and any violation of laws and regulations.

 

Standards for Safety and Soundness.

 

The Bank is subject to certain standards designed to maintain the safety and soundness of individual insured depository institutions and the banking system. The OCC has prescribed safety and soundness guidelines relating to (i) internal controls, information systems and internal audit systems; (ii) loan documentation; (iii) credit underwriting; (iv) interest rate exposure; (v) asset growth, concentration, and quality; (vi) earnings; and (vii) compensation and benefit standards for officers, directors, employees and principal shareholders. A savings association not meeting one or more of the safety and soundness guidelines may be required to file a compliance plan with the OCC.

 

Under the FDIA, the FDIC may terminate deposit insurance upon a finding that the institution has engaged in unsafe and unsound practices, is in an unsafe or unsound condition to continue operations, or has violated any applicable law, regulation, rule, order or condition imposed by the FDIC. Management is not aware of any practice, condition or violation that might lead to the termination of the Bank’s deposit insurance.

 

Federal Deposit Insurance.

 

The FDIC’s deposit insurance limit is $250,000 per depositor, per insured bank, for each account ownership category. The deposits of the Bank are insured up to applicable limits by the DIF of the FDIC. The Bank is subject to deposit insurance assessments to maintain the DIF. The FDIC uses a risk-based assessment system that imposes insurance premiums based upon a risk matrix that takes into account an insured depository institution’s capital level and supervisory rating, commonly known as the “CAMELS” rating. The risk matrix utilizes different risk categories which are distinguished by capital levels and supervisory ratings. As a result of the Dodd-Frank Act, the base for insurance assessments is now consolidated average assets less average tangible equity. Assessment rates are calculated using formulas that take into account the risk of the institution being assessed.

 

Depositor Preference.

 

The FDIA provides that, in the event of the “liquidation or other resolution” of an insured depository institution, the claims of depositors of the institution, including the claims of the FDIC as subrogee of insured depositors, and certain claims for administrative expenses of the FDIC as a receiver, will have priority over other general unsecured claims against the institution. If an insured depository institution fails, insured and uninsured depositors, along with the FDIC, will have priority in payment ahead of unsecured, non-deposit creditors, including the parent bank holding company, with respect to any extensions of credit they have made to such insured depository institution.

 

32 

 

 

Federal Home Loan Bank System.

 

The Bank is a member of the Federal Home Loan Bank of Boston, which is one of the regional Federal Home Loan Banks comprising the Federal Home Loan Bank System. Each Federal Home Loan Bank serves as a central credit facility primarily for its member institutions. The Bank, as a member of the FHLB, is required to acquire and hold shares of capital stock in the FHLB. Required percentages of stock ownership are subject to change by the FHLB, and the Bank was in compliance with this requirement with an investment in FHLB capital stock at December 31, 2024. If there are any developments that cause the value of our stock investment in the FHLB to become impaired, we would be required to write down the value of our investment, which could affect our net income and shareholders’ equity.

 

Reserve Requirements.

 

FRB regulations authorize the Federal Reserve Board to require insured depository institutions to maintain non-interest earning reserves against their transaction accounts (primary interest-bearing and regular checking accounts). The Bank’s required reserves can be in the form of vault cash. If vault cash does not fully satisfy the required reserves, they may be satisfied in the form of a balance maintained with the FRB. Currently, there is no reserve requirement because the Federal Reserve Board reduced the reserve requirement to zero percent.

 

Financial Privacy and Data Security.

 

Western New England Bancorp is subject to federal laws, including the Gramm-Leach Bliley Act, and certain state laws containing consumer privacy protection provisions. These provisions limit the ability of banks and other financial institutions to disclose non-public information about consumers to affiliated and non-affiliated third parties and limit the reuse of certain consumer information received from non-affiliated institutions. These provision require notice of privacy policies to consumers and, in some circumstances, allow consumers to prevent disclosure of certain personal information to affiliates or non-affiliated third parties by means of “opt out” or “opt in” authorizations.

 

The Gramm-Leach Bliley Act requires that financial institutions implement comprehensive written information security programs that include administrative, technical, and physical safeguards to protect consumer information. Further, pursuant to interpretive guidance issued under the Gramm-Leach Bliley Act and certain state laws, financial institutions are required to notify customers of security breaches that result in unauthorized access to their nonpublic personal information.

 

Preventing Suspicious Activity.

 

Under Title III of the USA PATRIOT Act (“Patriot Act”), all financial institutions are required to take certain measures to identify their customers, prevent money laundering, monitor customer transactions and report suspicious activity to U.S. law enforcement agencies. Financial institutions also are required to respond to requests for information from federal banking agencies and law enforcement agencies. Information sharing among financial institutions for the above purposes is encouraged by an exemption granted to complying financial institutions from the privacy provisions of Gramm-Leach Bliley Act and other privacy laws. Financial institutions are required to have anti-money laundering programs in place, which include, among other things, performing risk assessments and customer due diligence. The primary federal banking agencies and the Secretary of the Treasury have adopted regulations to implement several of these provisions. The Bank must also comply with the Customer Due Diligence Rule, which clarifies and strengthens the existing obligations for identifying new and existing customers and explicitly includes risk-based procedures for conducting ongoing customer due diligence. Financial institutions also are required to establish internal anti-money laundering programs. The effectiveness of institutions in combating money laundering activities is a factor to be considered in any application submitted by an insured depository institution under the Bank Merger Act. Western New England Bancorp and the Bank have in place a Bank Secrecy Act and Patriot Act compliance program and engage in limited transactions with foreign financial institutions or foreign persons.

 

33 

 

 

The Fair Credit Reporting Act’s Red Flags Rule requires financial institutions with covered accounts (e.g. consumer bank accounts and loans) to develop, implement, and administer an identity theft prevention program. This program must include reasonable policies and procedures to detect suspicious patterns or practices that indicate the possibility of identity theft, such an inconsistencies in personal information or changes in account activity.

 

Office of Foreign Assets Control Regulation.

 

The U.S. has imposed economic sanctions that affect transactions with designated foreign countries, nationals and others. These are typically known as the “OFAC” rules based on their administration by the Office of Foreign Assets Control, which is an office within the U.S. Department of Treasury (the “OFAC”). The OFAC-administered sanctions targeting countries take many different forms. Generally, the sanctions contain one or more of the following elements: (i) restrictions on trade with or investment in a sanctioned country, including prohibitions against direct or indirect imports from and exports to a sanctioned country and prohibitions on “U.S. persons” engaging in financial transactions relating to making investments in, or providing investment-related advice or assistance to, a sanctioned country; and (ii) a blocking of assets in which the government or specially designated nationals of the sanctioned country have an interest, by prohibiting transfers of property subject to U.S. jurisdiction (including property in the possession or control of U.S. persons). Blocked assets (e.g., property and bank deposits) cannot be paid out, withdrawn, set off or transferred in any manner without an OFAC license. Failure to comply with these sanctions could have legal and reputational consequences.

 

Home Mortgage Disclosure Act (“HMDA”).

 

On October 15, 2015, pursuant to section 1094 of the Dodd-Frank Act, the CFPB issued amended rules in regards to the collection, reporting and disclosure of certain residential mortgage transactions under the HMDA (the “HMDA Rules”). The Dodd-Frank Act mandated additional loan data collection points in addition to authorizing the CFPB to require other data collection points under implementing Regulation C. Most of the provisions of the HMDA Rule went into effect on January 1, 2018 and apply to data collected in 2018 and reporting in 2019 and later years. The HMDA Rule adopts a uniform loan volume threshold for all financial institutions, modifies the types of transactions that are subject to collection and reporting, expands the loan data information being collected and reported, and modifies procedures for annual submission and annual public disclosures.

 

UDAP and UDAAP.

 

Banking regulatory agencies have increasingly used a general consumer protection statute to address “unethical” or otherwise “bad” business practices that may not necessarily fall directly under the purview of a specific banking or consumer finance law. The law of choice for enforcement against such business practices has been Section 5 of the Federal Trade Commission Act, referred to as the FTC Act, which is the primary federal law that prohibits unfair or deceptive acts or practices, referred to as UDAP, and unfair methods of competition in or affecting commerce. “Unjustified consumer injury” is the principal focus of the FTC Act. Prior to the Dodd-Frank Act, there was little formal guidance to provide insight to the parameters for compliance with UDAP laws and regulations. However, UDAP laws and regulations have been expanded under the Dodd-Frank Act to apply to “unfair, deceptive or abusive acts or practices,” referred to as UDAAP, which have been delegated to the CFPB for rule-making. The federal banking agencies have the authority to enforce such rules and regulations.

 

Incentive Compensation.

 

The Dodd-Frank Act requires publicly traded companies to give stockholders a non-binding vote on executive compensation at their first annual meeting taking place six months after the date of enactment and at least every three years thereafter and on “golden parachute” payments in connection with approvals of mergers and acquisitions. The legislation also authorized the SEC to promulgate rules that would allow stockholders to nominate their own candidates using a company’s proxy materials. The Dodd-Frank Act requires the federal banking agencies and the SEC to establish joint regulations or guidelines prohibiting incentive-based payment arrangements at specified regulated entities with at least $1 billion in total consolidated assets that encourage inappropriate risks by providing an executive officer, employee, director or principal shareholder with excessive compensation, fees, or benefits that could lead to material financial loss to the entity. The federal banking agencies and the SEC proposed such regulations in 2016 and issued re-proposed regulations in substantially the same form in May 2024, which have not been finalized. If the regulations are adopted in the form initially proposed or a similar form, they will restrict the manner in which executive compensation is structured.

 

34 

 

 

The Dodd-Frank Act also gives the SEC authority to prohibit broker discretionary voting on elections of directors, executive compensation matters and any other significant matter. At the 2012, 2017, and 2023 Annual Meeting of Shareholders, Western New England Bancorp’s shareholders voted on a non-binding, advisory basis to hold a non-binding, advisory vote on the compensation of named executive officers of Western New England Bancorp annually. In light of the results, the Board determined to hold the vote annually.

 

Future Legislative and Regulatory Initiatives.

 

Various legislative and regulatory initiatives are introduced by Congress, state legislatures and different financial regulatory agencies. Such initiatives may include proposals to expand or contract the powers of bank holding companies, savings and loan holding companies and/or depository institutions, and may also include changes in priorities and operations of regulatory agencies in connection with new leadership. Proposed legislation and regulatory initiatives could change banking statutes and the operating environment of Western New England Bancorp in substantial and unpredictable ways. If enacted or implemented, such legislation and regulatory initiatives could increase or decrease the cost of doing business, limit or expand permissible activities or affect the competitive balance among banks, savings associations, credit unions, and other financial institutions. Western New England Bancorp cannot predict whether any such legislation and regulatory initiatives will be enacted or implemented, and, if enacted or implemented, the effect that it or any implementing regulations would have on the financial condition or results of operations of Western New England Bancorp. Other legislation may be introduced in Congress, or other regulatory initiatives introduced, which would further regulate, deregulate or restructure the financial services industry, including proposals to substantially reform the financial regulatory framework. It is not possible to predict whether any such proposals will be enacted into law or, if enacted, the effect which they may have on our business and earnings.

 

Available Information.

 

We maintain a website at www.westfieldbank.com. The website contains information about us and our operations. Through a link to the Investor Relations section of our website, copies of each of our filings with the SEC, including our Annual Report on Form 10-K, Quarterly Reports Form 10-Q and Current Reports on Form 8-K and all amendments to those reports, can be viewed and downloaded free of charge as soon as reasonably practicable after the reports and amendments are electronically filed with or furnished to the SEC. The SEC maintains a website at www.sec.gov that contains reports, proxy and information statements, and other information regarding issuers that file or furnish such information electronically with the SEC. The information found on our website or the website of the SEC is not incorporated by reference into this Annual Report on Form 10-K or any other report we file with or furnish to the SEC.

 

35 

 

ITEM 1A.RISK FACTORS.

 

An investment in the Company’s common stock is subject to a variety of risks and uncertainties including, without limitation, those set forth below, any of which could cause the Company’s actual results to vary materially from recent results, or from the other forward looking statements that the Company may make from time to time in news releases, annual reports and other written or oral communications. The material risks and uncertainties that management believes may affect the Company are described below. These risks and uncertainties are not listed in any particular order of priority and are not necessarily the only ones facing the Company. Additional risks and uncertainties that management is not aware of or focused on or that management currently deems immaterial may also impair the Company’s business, financial condition and results of operations.

 

This annual report on Form 10-K is qualified in its entirety by these risk factors. If any of the following risks actually occur, the Company’s business, financial condition and results of operations could be materially and adversely affected. If this were to happen, the value of the Company’s common stock could decline significantly, and stockholders could lose some or all of their investment.

 

Risks Related to our Business and Industry

 

Our Business and Results of Operations May be Adversely Affected by the Financial Markets, Fiscal, Monetary, and Regulatory Policies and Economic Conditions. These Factors Could Have a Material Adverse Effect on Our Earnings, Net Interest Margin, Rate of Growth, Financial Condition and Stock Price. The economy in the United States and globally has experienced volatility in recent years and may continue to do so for the foreseeable future, particularly as a result of regulatory changes from the new administration. There can be no assurance that economic conditions will not worsen. Our business has been and may in the future continue to be affected by unfavorable or uncertain economic conditions such as the level and volatility of interest rates, availability and market conditions of financing, business activity or investor or business confidence, unexpected changes in gross domestic product, economic growth or its sustainability, inflation, supply chain disruptions, consumer spending, employment levels, labor shortages, wage inflation, federal government shutdowns, developments related to the U.S. federal debt ceiling, energy prices, home prices, commercial property values, bankruptcies, fluctuations or other significant changes in both debt and equity capital markets and currencies, liquidity of financial markets and the availability and cost of capital and credit, natural disasters, epidemics and pandemics (including COVID-19), terrorist attacks, acts of war or a combination of these or other factors.

 

Market fluctuations may impact our margin requirements and affect our business liquidity. Also, any sudden or prolonged market downturn, as a result of the above factors or otherwise, could result in a decline in net interest income and noninterest income and adversely affect our results of operations and financial condition, including asset quality, capital and liquidity levels.

 

In particular, the Company may face the following risks in connection with the economic or market environment:

 

●The Company’s and the Bank’s ability to borrow from other financial institutions or to access the debt of equity capital markets on favorable terms or at all could be adversely affected by further disruptions in the capital markets or other events, including actions by ratings agencies and deteriorating investor expectations.

 

●The Company faces increased regulation of the banking and financial services industry. Compliance with such regulation may increase its costs and limit its ability to pursue business opportunities. The regulators of the Company and the Bank are increasingly focused on liquidity and other risks after the bank failures of 2023.

 

●Lowered consumer and business confidence levels that could result in declines in credit usage, adverse changes in payment patterns and increases in loan delinquencies and default rates, which management expects would adversely impact the Bank’s charge-offs and provision for loan losses.

 

●Market developments may adversely affect the Bank’s securities portfolio by causing other-than-temporary-impairments, prompting write-downs and securities losses.

 

36 

 

 

●Competition in banking and financial services industry could intensify as a result of the increase consolidation of financial services companies in connection with current market conditions or otherwise.

 

●The Company’s ability to assess the creditworthiness of its customers may be impaired if the models and approaches the Company uses to select, manage, and underwrite its customers become less predictive of future behaviors.

 

●The Company could suffer decreases in demand for loans or other financial products and services or decreased deposits or other investments in accounts with the Company.

 

●The value of loans and other assets or collateral securing loans may decrease.

 

In addition, there are continuing concerns related to, among other things, the level of U.S. government debt and fiscal actions that may be taken to address that debt, a potential resurgence of economic and political tensions with China and the Russian invasion of Ukraine, all of which may have a destabilizing effect on financial markets and economic activity. Economic pressure on consumers and overall economic uncertainty may result in changes in consumer and business spending, borrowing and saving habits. These economic conditions and/or other negative developments in the domestic or international credit markets or economies may significantly affect the markets in which we do business, the value of our loans and investments, and our ongoing operations, costs and profitability. Declines in real estate values and sales volumes and high unemployment or underemployment may also result in higher than expected loan delinquencies, increases in our levels of nonperforming and classified assets and a decline in demand for our products and services. These negative events may cause us to incur losses and may adversely affect our capital, liquidity and financial condition.

 

Interest Rate Volatility Could Adversely Affect Our Results of Operations and Financial Condition. We cannot predict or control changes in interest rates. Interest rates are highly sensitive to many factors that are beyond the Company’s control, including monetary policy of the federal government, inflation and deflation, volatility of domestic and global financial markets, volatility of credit markets, and competition. During 2024, the Federal Reserve Board began reducing the federal funds rate, which had been raised significantly during 2022 and 2023 to combat rising inflation in the U.S. Notwithstanding these reductions, there can be no assurances that the Federal Reserve Board will continue to cut the target federal funds rate in 2025 and it may remain open to increasing rates further should inflation dynamics remain unfavorable. Changes in monetary policy, including changes in interest rates, influence not only the interest we receive on loans and securities and the interest we pay on deposits and borrowings, but such changes could affect our ability to originate loans and obtain deposits, the fair value of financial assets and liabilities, and the average duration of our assets.

 

The Company’s earnings and cash flows are largely dependent upon its net interest income, meaning the difference between interest income earned on interest-earning assets and interest expense paid on interest-bearing liabilities. Net interest income is the most significant component of our net income, accounting for approximately 82.3% of total revenues in 2024. Changes in market interest rates, in the shape of the yield curve or in spreads between different market interest rates can have a material effect on our net interest margin. The rates on some interest-earning assets, such as loans and investments, and interest-bearing liabilities, such as deposits and borrowings, adjust concurrently with, or within a brief period after, changes in market interest rates, while others adjust only periodically or not at all during their terms. Thus, changes in market interest rates might, for example, result in an increase in the interest paid on interest-bearing liabilities that is not accompanied by a corresponding increase in the interest earned on interest-earning assets, or the increase in interest earned might be at a slower pace, or in a smaller amount, than the increase in interest paid, reducing our net interest income and/or net interest margin. In addition, we rely on lower-cost, core deposits as our primary source of funding and changes in interest rates could increase our cost of funding, reduce our net interest margin and/or create liquidity challenges We have policies and procedures designed to manage the risks associated with changes in interest rates and actively manage these risks through hedging and other risk mitigation strategies. However, if our assumptions are wrong or overall economic conditions are significantly different than anticipated, our hedging and other risk mitigation strategies may be ineffective and may adversely impact our financial condition and results of operations.

 

37 

 

 

Our Loan Portfolio Includes Loans with a Higher Risk of Loss. The Company originates commercial and industrial loans, commercial real estate loans, consumer loans, and residential mortgage loans primarily within its market area. The lending strategy focuses on residential real estate lending as well as servicing commercial customers, including increased emphasis on commercial and industrial lending and commercial deposit relationships. Commercial and industrial loans, commercial real estate loans, and consumer loans may expose a lender to greater credit risk than loans secured by residential real estate because the collateral securing these loans may not be sold as easily as residential real estate. In addition, commercial real estate and commercial and industrial loans may also involve relatively large loan balances to individual borrowers or groups of borrowers.

 

These loans also have greater credit risk than residential real estate for the following reasons:

 

●Commercial Real Estate Loans. Repayment is dependent on income being generated in amounts sufficient to cover operating expenses and debt service.

●Commercial and Industrial Loans. Repayment is generally dependent upon the successful operation of the borrower’s business.

●Consumer Loans. Consumer loans are collateralized, if at all, with assets that may not provide an adequate source of payment of the loan due to depreciation, damage or loss.

 

Any downturn in the real estate market or local economy could adversely affect the value of the properties securing the loans or revenues from the borrowers’ businesses thereby increasing the risk of nonperforming loans.

 

Inflation Can Have an Adverse Impact on the Company’s Business and its Customers. Inflation risk is the risk that the value of assets or income from investments will be worth less in the future as inflation decreases the value of money. While the Federal Reserve began reducing the federal funds rate in 2024, there can be no assurances that the Federal Reserve will continue to cut target funds rates in 2025 and it may remain open to increasing rates further should inflation dynamics remain unfavorable in 2025. Additionally, the Federal Reserve has raised certain benchmark interest rates in response to this elevated inflation. As discussed above, changes in interest rates could hurt our profits, as inflation increases and market interest rates rise, the value of the Company’s investment securities, particularly those with longer maturities, would decrease, although this effect can be less pronounced for floating rate instruments. In addition, inflation generally increases the cost of goods and services the Company uses in its business operations, such as electricity and other utilities, and also generally increases employee wages, any of which can increase the Company’s non-interest expenses. Furthermore, the Company’s customers are also affected by inflation and the rising costs of goods and services used in their households and businesses, which could have a negative impact on their ability to repay their loans with the Company. Sustained higher interest rates by the Federal Reserve Board to tame persistent inflationary price pressures could also push down asset prices and weaken economic activity. A deterioration in economic conditions in the United States and the Company’s markets could result in an increase in loan delinquencies and non-performing assets, decreases in loan collateral values and a decrease in demand for the Company’s products and services, all of which, in turn, would adversely affect the Company’s business, financial condition and results of operations.

 

The Company’s Allowance for Credit Losses May Not be Adequate to Cover Loan Losses, Which Could Have a Material Adverse Effect on the Company’s Business, Financial Condition and Results of Operations. A significant source of risk for the Company arises from the possibility that losses will be sustained because borrowers, guarantors and related parties may fail to perform in accordance with the terms of their loan agreements. Most loans originated by the Bank are secured, but some loans are unsecured based upon management’s evaluation of the creditworthiness of the borrowers. With respect to secured loans, the collateral securing the repayment of these loans principally includes a wide variety of real estate, and to a lesser extent personal property, either of which may be insufficient to cover the obligations owed under such loans.

 

Collateral values and the financial performance of borrowers may be adversely affected by changes in prevailing economic, environmental and other conditions, including declines in the value of real estate, changes in interest rates and debt service levels, changes in oil and gas prices, changes in monetary and fiscal policies of the federal government, widespread disease, terrorist activity, environmental contamination and other external events, which are beyond the control of the Company. In addition, collateral appraisals that are out of date or that do not meet industry recognized standards might create the impression that a loan is adequately collateralized when in fact it is not. Although the Company may acquire any real estate or other assets that secure defaulted loans through foreclosures or other similar remedies, the amounts owed under the defaulted loans may exceed the value of the assets acquired.

 

38 

 

 

The Company maintains an allowance for credit losses, which is established through a provision for credit losses charged to earnings that represents management’s 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.

 

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.

 

The allowance for credit losses inherently involves a high degree of subjectivity and requires the Company to make significant estimates of current credit risks and trends, all of which may undergo material changes. In addition, bank regulatory agencies periodically review the Company’s allowance for credit losses and may require an increase in the provision for credit losses or the recognition of further loan charge-offs, based on judgments that differ from those of the Company’s management. While the Company strives to carefully monitor credit quality and to identify loans that may become nonperforming, it may not be able to identify deteriorating loans before they become nonperforming assets, or be able to limit losses on those loans that have been identified to be nonperforming.

 

Increases in the Company’s Nonperforming Assets Could Adversely Affect the Company’s Results of Operations and Financial Condition in the Future. Nonperforming assets adversely affect net income in various ways. While the Company pays interest expense to fund nonperforming assets, no interest income is recorded on nonperforming loans or other real estate owned, thereby adversely affecting income and returns on assets and equity. In addition, loan administration and workout costs increase, resulting in additional reductions of earnings. When taking collateral in foreclosures and similar proceedings, the Company is required to carry the property or loan at its then-estimated fair market value less estimated cost to sell, which, when compared to the carrying value of the loan, may result in a loss. These nonperforming loans and other real estate owned also increase the Company’s risk profile and the capital that regulators believe is appropriate in light of such risks, and have an impact on the Company’s FDIC risk based deposit insurance premium rate. The resolution of nonperforming assets requires significant time commitments from management and staff. The Company may experience further increases in nonperforming loans in the future, and nonperforming assets may result in further costs and losses in the future, either of which could have a material adverse effect on the Company’s financial condition and results of operations.

 

The Company’s Use of Appraisals in Deciding Whether to Make a Loan Does Not Ensure the Value of the Collateral. In considering whether to make a loan secured by real property or other business assets, the Company generally requires an internal evaluation or independent appraisal of the asset. However, these assessment methods are only an estimate of the value of the collateral at the time the assessment is made, and involve a large degree of estimates and assumptions and an error in fact or judgment could adversely affect the reliability of the valuation. Changes in those estimates resulting from continuing change in the economic environment and events occurring after the initial assessment may cause the value of the assets to decrease in future periods. As future events and their effects cannot be determined with precision, actual values could differ significantly from these estimates. As a result of any of these factors, the value of collateral backing a loan may be less than estimated at the time of assessment, and if a default occurs the Company may not recover the outstanding balance of the loan.

 

39 

 

 

The Company’s Investments are Subject to Interest Rate Risks, Credit Risk and Liquidity Risk and Declines in Value in its Investments May Require the Company to Record Impairment Charges That Could Have a Material Adverse Effect on the Company’s Results of Operations and Financial Condition. There are inherent risks associated with the Company’s investment activities, many of which are beyond the Company’s control. These risks include the impact from changes in interest rates, weakness in real estate, municipalities, government-sponsored enterprises, or other industries, the impact of changes in income tax rates on the value of tax-exempt securities, adverse changes in regional or national economic conditions, and general turbulence in domestic and foreign financial markets, among other things. These conditions could adversely impact the fair market value and/or the ultimate collectability of the Company’s investments. In addition to fair market value impairment, carrying values may be adversely impacted due to a fundamental deterioration of the individual municipality, government agency, or corporation whose debt obligations the Company owns or of the individual company or fund in which the Company has invested.

 

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. Any impairment charges, depending upon the magnitude of the charges, could have a material adverse effect on the Company’s financial condition and results of operations.

 

We Depend Primarily on Net Interest Income for our Earnings Rather Than Fee Income. Net interest income is the most significant component of our operating income. We have less reliance on traditional sources of fee income utilized by some community banks, such as fees from sales of insurance, securities, or investment advisory products or services. For the years ended December 31, 2024, 2023 and 2022, our net interest income was $59.8 million, $67.9 million, and $79.2 million, respectively. The amount of our net interest income is influenced by the overall interest rate environment, competition, and the amount of our interest-earning assets relative to the amount of our interest-bearing liabilities. In the event that one or more of these factors were to result in a decrease in our net interest income, we do not have significant sources of fee income to make up for decreases in net interest income.

 

Events Impacting Global, National and Regional Economies Could Adversely Affect our Business Activities, Financial Condition, and Results of Operations. The occurrence of events which adversely affect the global, national and regional economies may have a negative impact on our business. Like other financial institutions, our business relies upon the ability and willingness of our customers to transact business with us, including banking, borrowing and other financial transactions. A strong and stable economy at each of the local, federal and global levels is often a critical component of consumer confidence and typically correlates positively with our customers’ ability and willingness to transact certain types of business with us. Local and global events outside of our control may therefore negatively impact our business and financial condition.

 

The Company is Subject to Environmental Risks Associated with Real Estate Held as Collateral or Occupied. When a borrower defaults on a loan secured by real property, the Company may purchase the property in foreclosure or accept a deed to the property surrendered by the borrower. The Company may also take over the management of commercial properties whose owners have defaulted on loans. The Company also occupies owned and leased premises where branches and other bank facilities are located. While the Company’s lending, foreclosure and facilities policies and guidelines are intended to exclude properties with an unreasonable risk of contamination, hazardous substances could exist on some of the properties that the Company may own, acquire, manage or occupy. Environmental laws could force the Company to clean up the properties at the Company’s expense. The Company may also be held liable to a governmental entity or to third parties for property damage, personal injury, investigation and clean-up costs incurred by these parties in connection with environmental contamination, or may be required to investigate or clean up hazardous or toxic substances, or chemical releases at a property. The cost associated with investigation or remediation activities could be substantial and could increase the Company’s operating expenses. It may cost much more to clean a property than the property is worth and it may be difficult or impossible to sell contaminated properties. The Company could also be liable for pollution generated by a borrower’s operations if the Company takes a role in managing those operations after a default. In addition, as the owner or former owner of a contaminated site, we may be subject to common law claims by third parties based on damages and costs resulting from environmental contamination emanating from the property.

 

40 

 

 

Climate Change or Government Action and Societal Responses to Climate Change Could Adversely Affect Our Results of Operations. Climate change can increase the likelihood of the occurrence and severity of natural disasters and can also result in longer-term shifts in climate patterns such as extreme heat, sea level rise and more frequent and prolonged drought. Such significant climate change effects may negatively impact the Company’s geographic markets, disrupting the operations of the Company, our customers or third parties on which we rely. Damages to real estate underlying mortgage loans or real estate collateral and declines in economic conditions in geographic markets in which the Company’s customers operate may impact our customers’ ability to repay loans or maintain deposits due to climate change effects, which could increase our delinquency rates and average credit loss.

 

Moreover, as the effects of climate change continue to create a level of concern for the state of the global environment, companies are facing increasing scrutiny from customers, regulators, investors and other stakeholders related to their environmental, social and governance (“ESG”) practices and disclosure. New government regulations could result in more stringent forms of ESG oversight and reporting and diligence and disclosure requirements. Increased ESG related compliance costs, in turn, could result in increases to our overall operational costs. Failure to adapt to or comply with regulatory requirements or investor or stakeholder expectations and standards, including with respect to the Company’s involvement in certain industries or projects associated with causing or exacerbating climate change, may negatively affect the Company’s reputation and commercial relationships, which could adversely affect our business.

 

Competition in Our Primary Market Area May Reduce Our Ability to Attract and Retain Deposits and Originate Loans. We operate in a competitive market for both attracting deposits, which is our primary source of funds, and originating loans. Historically, our most direct competition for deposits has come from savings and commercial banks. Our competition for loans comes principally from commercial banks, savings institutions, mortgage banking firms, credit unions, finance companies, mutual funds, insurance companies and brokerage and investment banking firms. We also face additional competition from internet-based institutions, brokerage firms and insurance companies. Competition for loan originations and deposits may limit our future growth and earnings prospects.

 

Deposit Outflows May Increase Reliance on Borrowings and Brokered Deposits as Sources of Funds. The Company has traditionally funded asset growth principally through deposits and borrowings. As a general matter, deposits are typically a lower cost source of funds than external wholesale funding (brokered deposits and borrowed funds), because interest rates paid for deposits are typically less than interest rates charged for wholesale funding. If, as a result of competitive pressures, market interest rates, alternative investment opportunities that present more attractive returns to customers, general economic conditions or other events, the balance of the Company’s deposits decreases relative to the Company’s overall banking operations, the Company may have to rely more heavily on wholesale or other sources of external funding, or may have to increase deposit rates to maintain deposit levels in the future. Any such increased reliance on wholesale funding, or increases in funding rates in general could have a negative impact on the Company’s net interest income and, consequently, on its results of operations and financial condition.

 

The Bank’s Reliance on Brokered and Reciprocal Deposits Could Adversely Affect its Liquidity and Operating Results. Among other sources of funds, the Company, from time to time, relies on brokered deposits to provide funds with which to make loans and provide for other liquidity needs. At December 31, 2024 and 2023, the Bank had $1.7 million in brokered time deposits. One of the Bank’s sources for deposits is CDARS. At December 31, 2024, the Bank has $36.9 million in CDARS reciprocal deposits and $22.3 million in ICS network deposits. These amounts, are reciprocal and are not considered brokered deposits under recent regulatory reform.

 

The Company, as Part of its Strategic Plans, Periodically Considers Potential Acquisitions. The Risks Presented by Acquisitions Could Adversely Affect Our Financial Condition and Results of Operations. Any acquisitions will be accompanied by the risks commonly encountered in acquisitions including, among other things: our ability to realize anticipated cost savings and avoid unanticipated costs relating to the merger, the difficulty of integrating operations and personnel, the potential disruption of our or the acquired company’s ongoing business, the inability of our management to maximize our financial and strategic position, the inability to maintain uniform standards, controls, procedures and policies, and the impairment of relationships with the acquired company’s employees and customers as a result of changes in ownership and management. These risks may prevent us from fully realizing the anticipated benefits of an acquisition or cause the realization of such benefits to take longer than expected.

 

41 

 

 

The Company Relies on Third-Party Service Providers. The Company relies on independent firms to provide critical services necessary to conducting its business. These services include, but are not limited to: electronic funds delivery networks; check clearing houses; electronic banking services; investment advisory, management and custodial services; correspondent banking services; information security assessments and technology support services; and loan underwriting and review services. The occurrence of any failures or interruptions of the independent firms’ systems or in their delivery of services, or failure to perform in accordance with contracted service level agreements, for any number of reasons could also impact the Company’s ability to conduct business and process transactions and result in loss of customer business and damage to the Company’s reputation, any of which may have a material adverse effect on the Company’s business, financial condition and results of operation.

 

The Company Relies on Dividends from the Bank for Substantially All of its Revenue. The Company is a separate and distinct legal entity from the Bank. It receives substantially all of its revenue from dividends paid by the Bank. These dividends are the principal source of funds used to pay dividends on the Company’s common stock and interest and principal on the Company’s subordinated debt. Various federal and state laws and regulations limit the amount of dividends that the Bank may pay to the Company. If the Bank, due to its capital position, inadequate net income levels, or otherwise, is unable to pay dividends to the Company, then the Company will be unable to service debt, pay obligations or pay dividends on the Company’s common stock. The OCC also has the authority to use its enforcement powers to prohibit the Bank from paying dividends if, in its opinion, the payment of dividends would constitute an unsafe or unsound practice. The Bank’s inability to pay dividends could have a material adverse effect on the Company’s business, financial condition, results of operations and the market price of the Company’s common stock.

 

The Carrying Value of the Company’s Goodwill Could Become Impaired. In accordance with GAAP, the Company does not amortize goodwill and instead, at least annually, evaluates whether the carrying value of goodwill has become impaired. Impairment of goodwill may occur when the estimated fair value of the Company is less than its recorded book value (i.e., the net book value of its recorded assets and liabilities). This may occur, for example, when the estimated fair value of the Company declines due to changes in the assumptions and inputs used in management’s estimate of fair value. A determination that goodwill has become impaired results in an immediate write-down of goodwill to its determined value with a resulting charge to operations. Any write down of goodwill will result in a decrease in net income and, depending upon the magnitude of the charge, could have a material adverse effect on the Company’s financial condition and results of operations.

 

Risks Related to Legal, Governmental and Regulatory Changes

 

If Dividends Are Not Paid on Our Investment in the FHLB, or if Our Investment is Classified as Other-Than-Temporarily Impaired, Our Earnings and/or Shareholders’ Equity Could Decrease. As a member of the FHLB, the Company is required to own a minimum required amount of FHLB capital stock, calculated periodically based primarily on its level of borrowings from the FHLB. This stock is classified as a restricted investment and carried at cost, which management believes approximates fair value of the FHLB stock. If negative events or deterioration in the FHLB financial condition or capital levels occurs, the Company’s investment in FHLB capital stock may become other-than-temporarily impaired to some degree. There can be no assurance that FHLB stock dividends will be declared in the future. If either of these were to occur, the Company’s results of operations and financial condition may be adversely affected.

 

Concentration in Commercial Real Estate Lending is Subject to Heightened Risk Management and Regulatory Review. If a concentration in commercial real estate lending is present, as measured under government banking regulations, management must employ heightened risk management practices that address the following key elements: board and management oversight and strategic planning, portfolio management, development of underwriting standards, risk assessment and monitoring through market analysis and stress testing, and maintenance of increased capital levels as needed to support the level of commercial real estate lending. If a concentration is determined to exist, the Company may incur additional operating expenses in order to comply with additional risk management practices and increased capital requirements which could have a material adverse effect on the Company’s financial condition and results of operations.

 

Sources of External Funding Could Become Restricted and Impact the Company’s Liquidity. The Company’s external wholesale funding sources include borrowing capacity at the FHLB, capacity in the brokered deposit markets, other borrowing arrangements with correspondent banks, as well as accessing the public markets through offerings of the Company’s stock or issuance of debt. If, as a result of general economic conditions or other events, these sources of external funding become restricted or are eliminated, the Company may not be able to raise adequate funds or may incur substantially higher funding costs or operating restrictions in order to raise the necessary funds to support the Company’s operations and growth. The 2023 collapse and subsequent regulatory takeover of certain U.S. regional banks may result in modifications or additional laws which we could be subject to, including potentially increasing capital requirements, modifying regulations related to liquidity risk management, deposit concentrations, capital adequacy and other oversight requirements. Any such increase in funding costs or restrictions could have a negative impact on the Company’s net interest income and, consequently, on its results of operations and financial condition.

 

42 

 

 

We Operate In a Highly-Regulated Environment That is Subject to Extensive Government Supervision and Regulation, Which May Interfere With Our Ability to Conduct Business and May Adversely Impact the Results of our Operations. Banking regulations are primarily intended to protect depositors’ funds, federal deposit insurance funds and the banking system as a whole, not the interests of stockholders. These regulations affect the Company’s lending practices, capital structure, investment practices, dividend policy and growth, among other things. In particular, regulators are increasingly focused on liquidity risk after the bank failures of 2023. The Company is subject to extensive federal and state supervision and regulation that govern nearly all aspects of our operations and can have a material impact on our business. Federal banking agencies have significant discretion regarding the supervision, regulation and enforcement of banking laws and regulations.

 

Financial laws, regulations and policies are subject to amendment by Congress, state legislatures and federal and state regulatory agencies. Changes to statutes, regulations or policies, including changes in the interpretation of regulations or policies and changes in enforcement and regulatory priorities, could materially impact our business. These changes could also impose additional costs on us and limit the types of products and services that we may offer our customers. Compliance with laws and regulations can be difficult and costly, and the failure to comply with any law, regulation or policy could result in sanctions by financial regulatory agencies, including civil monetary penalties, private lawsuits, or reputational damage, any of which could adversely affect our business, financial condition, or results of operations. While we have policies and procedures designed to prevent such violations, there can be no assurance that violations will not occur. See the section titled, “Supervision and Regulation” in ITEM 1. Business.

 

Since the 2008 global financial crisis, financial institutions have been subject to increased scrutiny from Congress, state legislatures and federal and state financial regulatory agencies. Changes to the legal and regulatory framework have significantly altered the laws and regulations under which we operate. Compliance with these changes and any additional or amended laws, regulations and regulatory policies may reduce our ability to effectively compete in attracting and retaining customers. The passage and continued implementation of the Dodd-Frank Act, among other laws and regulations, has increased our costs of doing business and resulted in decreased revenues and net income. We cannot provide assurance that future changes in laws, regulations and policies will not adversely affect our business.

 

State and Federal Regulatory Agencies Periodically Conduct Examinations of Our Business, Including for Compliance With Laws and Regulations, and Our Failure to Comply With Any Supervisory Actions to Which We Are or Become Subject as a Result of Such Examinations May Adversely Affect Our Business. Federal and state regulatory agencies periodically conduct examinations of our business, including our compliance with applicable laws and regulations. If, as a result of an examination, an agency were to determine that the financial, capital resources, asset quality, earnings prospects, management, liquidity, or other aspects of any of our operations had become unsatisfactory, or violates any law or regulation, such agency may take certain remedial or enforcement actions it deems appropriate to correct any deficiency. Remedial or enforcement actions include the power to enjoin “unsafe or unsound” practices, to require affirmative actions to correct any conditions resulting from any violation or practice, to issue an administrative order that can be judicially enforced against a bank, to direct an increase in the bank’s capital, to restrict the bank’s growth, to assess civil monetary penalties against a bank’s officers or directors, and to remove officers and directors. In the event that the FDIC concludes that, among other things, our financial conditions cannot be corrected or that there is an imminent risk of loss to our depositors, it may terminate our deposit insurance. The OCC, as the supervisory and regulatory authority for federal savings associations, has similar enforcement powers with respect to our business. The CFPB also has authority to take enforcement actions, including cease-and-desist orders or civil monetary penalties, if it finds that we offer consumer financial products and services in violation of federal consumer financial protection laws.

 

43 

 

 

If we were unable to comply with future regulatory directives, or if we were unable to comply with the terms of any future supervisory requirements to which we may become subject, then we could become subject to a variety of supervisory actions and orders, including cease and desist orders, prompt corrective actions, memoranda of understanding, and other regulatory enforcement actions. Such supervisory actions could, among other things, impose greater restrictions on our business, as well as our ability to develop any new business. We could also be required to raise additional capital, or dispose of certain assets and liabilities within a prescribed time period, or both. Failure to implement remedial measures as required by financial regulatory agencies could result in additional orders or penalties from federal and state regulators, which could trigger one or more of the remedial actions described above. The terms of any supervisory action and associated consequences with any failure to comply with any supervisory action could have a material negative effect on our business, operating flexibility and overall financial condition.

 

The Company’s Capital Levels Could Fall Below Regulatory Minimums. The Company and the Bank are subject to the capital adequacy guidelines of the FRB and the OCC, respectively. Failure to meet applicable minimum capital ratio requirements (including the capital conservation “buffer” imposed by Basel III) may subject the Company and/or the Bank to various enforcement actions and restrictions. If the Company’s capital levels decline, or if regulatory requirements increase, and the Company is unable to raise additional capital to offset that decline or meet the increased requirements, then its capital ratios may fall below regulatory capital adequacy levels. The Company’s capital ratios could decline due to it experiencing rapid asset growth, or due to other factors, such as, by way of example only, possible future net operating losses, impairment charges against tangible or intangible assets, or adjustments to retained earnings due to changes in accounting rules.

 

The Company’s failure to remain “adequately-capitalized” for bank regulatory purposes could affect customer confidence, restrict the Company’s ability to grow (both assets and branching activity), increase the Company’s costs of funds and FDIC insurance costs, prohibit the Company’s ability to pay dividends on common shares, and its ability to make acquisitions, and have a negative impact on the Company’s business, results of operation and financial conditions, generally. If the Bank ceases to be a “well-capitalized” institution for bank regulatory purposes, its ability to accept brokered deposits and the interest rates that it pays may be restricted.

 

Changes in Tax Policies at Both the Federal and State Levels Could Impact the Company’s Financial Condition and Results of Operations. The Company’s financial performance is impacted by federal and state tax laws. Enactment of new legislation, or changes in the interpretation of existing law, may have a material effect on the Company’s financial condition and results of operations. A deferred tax asset is created by the tax effect of the differences between an asset’s book value and its tax basis. The deferred tax asset is measured using enacted tax rates expected to apply to taxable income in the years in which the temporary differences are expected to be recovered or settled. Accordingly, a reduction in enacted tax rates may result in a decrease in current tax expense and a decrease to the Company’s deferred tax asset, with an offsetting charge to current tax expense. The alternative would occur with an increase to enacted tax rates. In addition, certain tax strategies taken in the past derive their tax benefit from the current enacted tax rates. Accordingly, a change in enacted tax rates may result in a decrease/increase to anticipated benefit of the Company’s previous transactions which in turn, could have a material effect on the Company’s financial condition and results of operations.

 

Risks Related to Cybersecurity and Data Privacy

 

We Face Cybersecurity Risks and Risks Associated with Security Breaches Which Have the Potential to Disrupt Our Operations, Cause Material Harm to Our Financial Condition, Result in Misappropriation of Assets, Compromise Confidential Information and/or Damage Our Business Relationships and Can Provide No Assurance That the Steps We and Our Service Providers Take in Response to These Risks Will Be Effective. We depend upon data processing, communication and information exchange on a variety of computing platforms and networks and over the internet. In addition, we rely on the services of a variety of vendors to meet our data processing and communication needs. We face cybersecurity risks and risks associated with security breaches or disruptions such as those through cyber-attacks or cyber intrusions over the internet, malware, computer viruses, attachments to emails, social engineering and phishing schemes or persons inside our organization. The risk of a security breach or disruption, particularly through cyber-attacks or cyber intrusions, including by computer hackers, nation-state affiliated actors, and cyber terrorists, has generally increased as the number, intensity and sophistication of attempted attacks and intrusions from around the world have increased. These incidents may result in disruption of our operations, material harm to our financial condition, cash flows and the market price of our common stock, misappropriation of assets, compromise or corruption of confidential information collected in the course of conducting our business, liability for stolen information or assets, increased cybersecurity protection and insurance costs, regulatory enforcement, litigation and damage to our stakeholder relationships. These risks require continuous and likely increasing attention and other resources from us to, among other actions, identify and quantify these risks, upgrade and expand our technologies, systems and processes to adequately address them and provide periodic training for our employees to assist them in detecting phishing, malware and other schemes. Such attention diverts time and other resources from other activities and there is no assurance that our efforts will be effective.

 

44 

 

 

In the normal course of business, we collect and retain certain personal information provided by our customers, employees and vendors. We also rely extensively on computer systems to process transactions and manage our business. We can provide no assurance that the data security measures designed to protect confidential information on our systems established by us will be able to prevent unauthorized access to this personal information. There can be no assurance that our efforts to maintain the security and integrity of the information we and our service providers collect and our and their computer systems will be effective or that attempted security breaches or disruptions would not be successful or damaging. Even the most well protected information, networks, systems and facilities remain potentially vulnerable because the techniques used in such attempted security breaches evolve and generally are not recognized until launched against a target, and in some cases are designed not be detected and, in fact, may not be detected. Accordingly, we may be unable to anticipate these techniques or to implement adequate security barriers or other preventative measures, and thus it is impossible for us to entirely mitigate this risk.

 

We Continually Encounter Technological Change and The Failure to Understand and Adapt to These Changes Could Hurt Our Business. The financial services industry is undergoing rapid technological change with frequent introductions of new technology-driven products and services and technological advances are likely to intensify competition. The effective use of technology, including emerging technologies, increases efficiency and enables financial institutions to better serve customers and to reduce costs. Our future success depends, in part, upon our ability to address the needs of our customers by using technology to provide products and services that will satisfy customer demands, as well as to create additional efficiencies in our operations. Many of our competitors have substantially greater resources to invest in technological improvements. We may not be able to effectively implement new technology-driven products and services or be successful in marketing these products and services to customers. Failure to successfully keep pace with technological changes affecting the financial services industry could have a material adverse impact on our business and, in turn, our financial condition and results of operations.

 

General Risk Factors

 

Changes in the Local Economy May Affect our Future Growth Possibilities. The Company’s success depends principally on the general economic conditions of the primary market areas in which the Company operates. The local economic conditions in these regions have a significant impact on the demand for the Company’s products and services, as well as the ability of the Company’s customers to repay loans, the value of the collateral securing loans and the stability of the Company’s deposit funding sources. The Company’s market area is principally located in Hampden and Hampshire Counties, Massachusetts and Hartford and Tolland Counties in northern Connecticut. The local economy may affect future growth possibilities. The Company’s future growth opportunities depend on the growth and stability of our regional economy and the ability to expand in our market area.

 

Natural Disasters, Acts of Terrorism, Public Health Issues and Other External Events Could Harm Our Business. Natural disasters can disrupt our operations, result in damage to our properties, reduce or destroy the value of the collateral for our loans and negatively affect the economies in which we operate, which could have a material adverse effect on our results of operations and financial condition. The emergence of widespread health emergencies or pandemics, such as the spread of COVID-19, has and may again lead to regional quarantines, business shutdowns, labor shortages, disruptions to supply chains, and overall economic instability. Events such as these may become more common in the future and could cause significant damage such as disruptions to power and communication services, impacting the stability of our facilities and result in additional expenses, impairing the ability of our borrowers to repay outstanding loans or reducing the value of collateral securing the repayment of our loans, which could result in the loss of revenue and/or cause us to incur additional expenses. A significant natural disaster, such as a tornado, hurricane, earthquake, fire or flood, could have a material adverse impact on our ability to conduct business, and our insurance coverage may be insufficient to compensate for losses that may occur. Acts of terrorism, war, civil unrest, violence or human error could cause disruptions to our business or the economy as a whole. While we have established and regularly test disaster recovery procedures, the occurrence of any such event could have a material adverse effect on our business, operations and financial condition.

 

45 

 

 

The Company May Not be Able to Attract, Retain or Develop Key Personnel. The Company’s success depends, in large part, on its ability to attract, retain and develop key personnel. Competition for the best people in most activities engaged in by the Company can be intense, and the Company may not be able to hire or retain the key personnel that it depends upon for success. The unexpected loss of key personnel or the inability to identify and develop individuals for planned succession to key senior positions within management, or on the Board, could have a material adverse impact on the Company’s business because of the loss of their skills, knowledge of the Company’s market, years of industry or business experience and the difficulty of promptly finding qualified replacements.

 

Controls and Procedures Could Fail, or Be Circumvented by Theft, Fraud or Robbery. Management regularly reviews and updates the Company’s internal controls over financial reporting, corporate governance policies, compensation policies, Code of Business Conduct and Ethics and security controls to prevent and detect theft, fraud or robbery from both internal and external sources. Any system of controls, however well designed and operated, is based in part on certain assumptions and can provide only reasonable, not absolute, assurances that the objectives of the system are met. Any failure or circumvention of the Company’s internal controls and procedures, or failure to comply with regulations related to controls and procedures, or a physical theft or robbery, whether by employees, management, directors, or external elements, or any illegal activity conducted by a Bank customer, could result in loss of assets, regulatory actions against the Company, financial loss, damage the Company’s reputation, cause a loss of customer business, and expose the Company to civil litigation and possible financial liability, any of which could have a material adverse effect on the Company’s business, results of operations and financial condition.

 

Damage to the Company’s Reputation Could Affect the Company’s Profitability and Shareholders’ Value. The Company is dependent on its reputation within its market area, as a trusted and responsible financial company, for all aspects of its business with customers, employees, vendors, third-party service providers, and others, with whom the Company conducts business or potential future business. Any negative publicity or public complaints, whether real or perceived, disseminated by word of mouth, by the general media, by electronic or social networking means, or by other methods, regarding, among other things, the Company’s current or potential business practices or activities, cyber-security issues, regulatory compliance, an inability to meet obligations, employees, management or directors’ ethical standards or actions, or about the banking industry in general, could harm the Company’s reputation. Any damage to the Company’s reputation could affect its ability to retain and develop the business relationships necessary to conduct business which in turn could negatively impact the Company’s profitability and shareholders’ value.

 

There has been a marked increase in the use of social media platforms, including weblogs (blogs), social media websites, and other forms of Internet-based communications which allow individuals’ access to a broad audience of consumers and other interested persons. Many social media platforms immediately publish the content their subscribers and participants’ post, often without filters or checks on accuracy of the content posted. Information posted on such platforms at any time may be adverse to the Bank’s interests and/or may be inaccurate. The dissemination of information online could harm the Bank’s business, prospects, financial condition, and results of operations, regardless of the information’s accuracy. The harm may be immediate without affording the Bank an opportunity for redress or correction.

 

Other risks associated with the use of social media include improper disclosure of proprietary information, negative comments about the Bank’s business, exposure of personally identifiable information, fraud, out-of-date information, and improper use by employees, directors and customers. The inappropriate use of social media by the Bank’s customers, directors or employees could result in negative consequences such as remediation costs including training for employees, additional regulatory scrutiny and possible regulatory penalties, litigation, or negative publicity that could damage the Bank’s reputation adversely affecting customer or investor confidence.

 

The Company is Exposed to Legal Claims and Litigation. The Company is subject to legal challenges under a variety of circumstances in the course of its normal business practices in regards to laws and regulations, duties, customer expectations of service levels, in addition to potentially illegal activity (at a federal or state level) conducted by any of our customers, use of technology and patents, operational practices and those of contracted third-party service providers and vendors, and stockholder matters, among others. Regardless of the scope or the merits of any claims by potential or actual litigants, the Company may have to engage in litigation that could be expensive, time-consuming, disruptive to the Company’s operations, and distracting to management. Whether claims or legal action are founded or unfounded, if such claims and legal actions are not resolved in a manner favorable to the Company, they may result in significant financial liability, damage the Company’s reputation, subject the Company to additional regulatory scrutiny and restrictions, and/or adversely affect the market perception of our products and services, as well as impact customer demand for those products and services. Any financial liability or reputation damage could have a material adverse effect on the Company’s business, which in turn, could have a material adverse effect on the Company’s financial condition and results of operations.

 

46 

 

 

The Company’s Insurance Coverage May Not be Adequate to Prevent Additional Liabilities or Expenses. The Company maintains insurance policies that provide coverage for various risks at levels the Company deems adequate to provide reasonable coverage for losses. The coverage applies to incidents and events which may impact such areas as: loss of bank facilities; accidental injury or death of employees; injuries sustained on bank premises; cyber and technology attacks or breaches; loss of customer nonpublic personal information; processing of fraudulent transactions; robberies, embezzlement and theft; improper processing of negotiable items or electronic transactions; improper loan underwriting and perfection of collateral, among others. These policies will provide varying degrees of coverage for losses under specific circumstances, and in most cases after related deductible amounts are paid by the Company. However, there is no guarantee that the circumstance of an incident will meet the criteria for insurance coverage under a specific policy, and despite the insurance policies in place the Company may experience a loss incident or event which could have a material adverse effect on the Company’s business, reputation, financial condition and results of operations.

 

The Trading Volume in the Company’s Common Stock is Less Than That of Larger Companies. Although the Company’s common stock is listed for trading on the NASDAQ, the trading volume in the Company’s common stock is substantially less than that of larger companies. Given the lower trading volume of the Company’s common stock, significant purchases or sales of the Company’s common stock, or the expectation of such purchases or sales, could cause significant volatility in the price for the Company’s common stock.

 

The Market Price of the Company’s Common Stock May Fluctuate Significantly, and This May Make it Difficult for You to Resell Shares of Common Stock Owned by You at Times or at Prices You Find Attractive. The price of the Company’s common stock on the NASDAQ constantly changes. The Company expects that the market price of its common stock will continue to fluctuate, and the Company cannot give you any assurances regarding any trends in the market prices for its common stock.

 

The Company’s stock price may fluctuate significantly as a result of a variety of factors, many of which are beyond its control. These factors include, but are not limited to, the Company’s:

 

●past and future dividend practice;

●financial condition, performance, creditworthiness and prospects;

●quarterly variations in the Company’s operating results or the quality of the Company’s assets;

●operating results that vary from the expectations of management, securities analysts and investors;

●changes in expectations as to the Company’s future financial performance;

●announcements of innovations, new products, strategic developments, significant contracts, acquisitions and other material events by the Company or its competitors;

●the operating and securities price performance of other companies that investors believe are comparable to the Company’s;

●future sales of the Company’s equity or equity-related securities;

●the credit, mortgage and housing markets, the markets for securities relating to mortgages or housing, and developments with respect to financial institutions generally;

●catastrophic events, including natural disasters, and public health crises; and

●instability in global financial markets and global economies and general market conditions, such as interest or foreign exchange rates, stock, commodity or real estate valuations or volatility, budget deficits or sovereign debt level concerns and other geopolitical, regulatory or judicial events.

 

47 

 

 

In addition, the banking industry may be more affected than other industries by certain economic, credit, regulatory or information security issues. Although the Company itself may or may not be directly impacted by such issues, the Company’s stock price may vary due to the influence, both real and perceived, of these issues, among others, on the banking industry in general. Investment in the Company’s stock is not insured against loss by the FDIC, or any other public or private entity. As a result, and for the other reasons described in this “Risk Factors” section and elsewhere in this report, if you acquire our common stock, you may lose some or all of your investment.

 

Shareholder Dilution Could Occur if Additional Stock is Issued in the Future. If the Board should determine in the future that there is a need to obtain additional capital through the issuance of additional shares of the Company’s common stock or securities convertible into shares of common stock, such issuances could result in dilution to existing stockholders’ ownership interest. Similarly, if the Board decides to grant additional stock awards or options for the purchase of shares of common stock, the issuance of such additional stock awards and/or the issuance of additional shares upon the exercise of such options would expose stockholders to dilution.

 

The Company’s Financial Condition and Results of Operation Rely in Part on Management Estimates and Assumptions. In preparing the financial statements in conformity with GAAP, management is required to exercise judgment in determining many of the methodologies, estimates and assumptions to be utilized. These estimates and assumptions affect the reported values of assets and liabilities at the balance sheet date and income and expenses for the years then ended. Changes in those estimates resulting from continuing change in the economic environment and other factors will be reflected in the financial statements and results of operations in future periods. As future events and their effects cannot be determined with precision, actual results could differ significantly from these estimates and be adversely affected should the assumptions and estimates used be incorrect, or change over time due to changes in circumstances.

 

48 

 

business, financial condition, results of operations and the market price of the Company’s common stock.

 

ITEM 1B.UNRESOLVED STAFF COMMENTS.

 

None.

 

ITEM C.CYBERSECURITY.

 

Risk Management & Strategy.

 

The Company uses an enterprise risk management and financial framework to oversee its risks, including risks from cybersecurity incidents, as further described below. The Company’s information technology & cybersecurity risk management is a continuous process that includes identification, assessment, classification, and management of threats that could adversely impact our ability to maintain the integrity of Bank data and systems, prevent unauthorized access to confidential data and Bank systems, and achieve the Company’s operational, financial, reputational, legal and regulatory compliance requirements or objectives. Please see Item 1A. Risk Factors – Risks Related to Cybersecurity and Data Privacy – “We Face Cybersecurity Risks and Risks Associated With Security Breaches Which Have the Potential to Disrupt Our Operations, Cause Material Harm to Our Financial Condition, Result in Misappropriation of Assets, Compromise Confidential Information and/or Damage Our Business Relationships and Can Provide No Assurance That the Steps We and Our Service Providers Take in Response to These Risks Will Be Effective” for our disclosures regarding the most pertinent risks we may experience from cybersecurity threats.

 

The Bank has a management-level Strategic Technology Oversight Committee (the “TOC”). Members of the TOC include the Bank’s Information Security Officer (the “ISO”), the Chief Information Officer as well as representatives of each department, including Senior Officers and/or their designees. The TOC reviews the status of various tactical and strategic projects; emerging technologies; cybersecurity, availability and performance metrics; IT and Business Continuity policies; Business Continuity test results and IT & Cybersecurity Risk Assessment results to monitor the extent of risk, evaluate the effectiveness of mitigating controls in place and ensure the level of risk remains within tolerance through acceptance, or further mitigation, transfer or elimination of the risk.

 

Additionally, the Bank has an ISO Metrics Oversight Committee (the “ISO Metrics Committee”) which meets on a monthly basis with a focus on cybersecurity. Members of the ISO Metrics Committee include the ISO, the Chief Information Officer, the Chief Risk Officer, as well as members of the information technology team involved with cybersecurity and infrastructure. The function of the ISO Metrics Committee is to review monthly cybersecurity metrics to support discussion of cyber threats, cyber risk trends, and risk mitigation as well as to participate in an annual tabletop business disruption exercise to assess the Bank’s resilience and readiness should such an event occur.

 

All employees participate in cybersecurity and social engineering training. The Board also receives formal training annually. The Bank conducts social engineering tests for employees, such as phishing tests, throughout the year. We consider employee awareness and training to be a critical component of the Bank’s cybersecurity program.

 

Third-party relationships, including vendor relationships, can offer the Bank a variety of opportunities to enhance its product and servicing offerings along with facilitating operational functions or business activities. Outsourcing processes or functions does not diminish the Bank’s responsibility to ensure that the third-party activity is conducted in a safe and sound manner and in compliance with applicable laws, regulations, and internal policies. Oversight for the potential risks of third-party relationships lies with the Bank’s management and the Board.

 

The Bank maintains a third-party risk management oversight program to effectively assess, measure, monitor and control the risks associated with vendor relationships. The Bank manages its third-party relationships through the use of informed risk assessments, due-diligence reviews, and ongoing oversight and monitoring. Information security and cybersecurity risks are included as elements in the third-party risk management process and are assessed for vendor relationships with access to confidential Bank or customer data.

 

49 

 

 

The Bank uses industry standard assessment frameworks as part of its overall cybersecurity risk assessment. Industry standard assessment frameworks are used to evaluate the effectiveness of the Bank’s mitigating controls and support initiatives to achieve continuous improvements in the efficacy of the control environment. The Bank’s TOC and Enterprise Risk Management framework provide ongoing oversight and governance of technology and cybersecurity risk management activities to ensure alignment with the Bank’s risk appetite. Independent audits are performed periodically to review the Bank’s mitigating controls as well as to conduct penetration testing of the Bank’s internal and external systems to help assess the effectiveness of the Bank’s security controls. Additionally, on an annual basis, an independent auditor tests our employees’ awareness of and resilience to various social engineering tactics to provide independent verification and to augment the Bank’s internal testing. Results of the audits are reported through the Bank’s Audit Committee, and ultimately to the Bank’s Board.

 

The Bank also has a relationship with a third-party Security Operations Center that provides continuous monitoring of all traffic in our environment for anomalies as well as services, as needed, to assist in conducting forensic analysis, correlation and remediation activities for any potential indications of compromise.

 

Governance.

 

The Finance and Risk Management Committee is a standing committee of the Board formed in January 2014 to assist the Board and the Executive Committee of the Board in fulfilling their responsibility with respect to the oversight of the Company’s (1) enterprise risk management and financial framework, including all risks associated therewith, including risks related to cyber incidents and (2) policies and practices relating to financial matters, including but not limited to, capital, liquidity and financing, as well as to merger, acquisition and divestiture activity. The Finance and Risk Management Committee reports to the Board regarding the Company’s risk profile, as well as its enterprise risk management framework, including the significant policies and practices employed to manage such risks, as well as the overall adequacy of the enterprise risk management function.

 

Material risks and results from any industry standard risk assessments parties, including any recommendations to further mitigate, transfer or eliminate risks, if applicable, are reported annually to the TOC, as well as to the Board’s Finance and Risk Management Committee, who then reports the results to the Bank’s Board. Further, these results are included in the Board’s annual Information Security Program Report.

 

Technology and cybersecurity risk metrics are two of the Bank’s primary categorical risks defined in the Bank’s enterprise risk management framework. The Enterprise Risk Management Dashboard, which includes ongoing monitoring of current and emerging technology and cybersecurity risks, is presented to the Finance and Risk Management Committee and to the Bank’s Board on a tri-annual basis. In addition, reports on the monitoring of third-party relationships, particularly critical relationships, are presented to the Finance and Risk Management Committee and to the Bank’s Board.

 

The Bank’s Board, through the Finance and Risk Management Committee, has oversight of cybersecurity incident disclosures, if applicable. The Finance and Risk Management Committee shall annually review with Management the Company’s Business Continuity Plan (the “BCP”), the BCP Policy, BCP testing results and the Company’s Pandemic Plan and Cyber Incident Response Plan and programs, including materiality determination criteria and escalation protocols with respect to the prompt reporting of material cyber incidents to the Finance and Risk Management Committee and the Bank’s Board. The Finance and Risk Management Committee shall further review with Management and report to the Bank’s Board any cyber incident disclosure reports to or from regulators with respect thereto, and the root cause and remediation and enhancement efforts with respect thereto.

 

The Bank’s information technology team maintains and develops their knowledge through various business, technical and cybersecurity-related programs, certificates and degrees, including a senior member of the team who holds a Master of Business Administration and another team member holding a Master’s Degree in Cybersecurity Management. Collectively, the senior members of the information technology team have approximately 75 years of experience in technology and cybersecurity, and the information technology team collectively holds and maintains continuing education in various technology and cybersecurity certification areas. The Bank’s ISO holds the designation of Certified Cyber Crimes Investigator from the IAFCI and also maintains continuing education related to cybersecurity.

 

50 

 

 

ITEM 2.PROPERTIES.

 

The Company currently conducts business through our twenty-five banking offices, eight free-standing ATMs and an additional fourteen free-standing and thirty-three seasonal or temporary ATMs that are owned and serviced by a third party, whereby the Bank pays a rental fee and shares in the surcharge revenue. The following table sets forth certain information regarding our properties as of December 31, 2024. As of this date, the premises and equipment, net of depreciation, owned by us had an aggregate net book value of $24.4 million. We believe that our existing facilities are sufficient for our current needs.

 

Location Ownership  Year Opened Year of Lease or License Expiration
       
Main Office:      

141 Elm Street

Westfield, MA 

 Owned 1964 N/A
       
Technology Center:      

9-13 Chapel Street

Westfield, MA 

 Leased 2015 2028
       
Retail Lending:      

136 Elm Street

Westfield, MA 

 Owned 2011 N/A
       
Commercial Lending & Middle Market:      

1500 Main Street

Springfield, MA 

 Leased 2014 2025
       
Commercial Lending/Credit Admin and Training Center:      

219/229 Exchange Street

Chicopee, MA 

 Owned 2009/1998 N/A
       
Branch Offices:      

206 Park Street

West Springfield, MA 

 Owned 1957 N/A
       

655 Main Street

Agawam, MA 

 Owned 1968 N/A
       

26 Arnold Street

Westfield, MA 

 Owned 1976 N/A
       

300 Southampton Road

Westfield, MA 

 Owned 1987 N/A
       

462 College Highway

Southwick, MA 

 Owned 1990 N/A
       

382 North Main Street

East Longmeadow, MA 

 Leased 1997 2027
       

1500 Main Street

Springfield, MA 

 Leased 2006 2028

51 

 

Location Ownership  Year Opened Year of Lease or License Expiration
       

1650 Northampton Street

Holyoke, MA 

 Owned 2001 N/A
       

560 East Main Street

Westfield, MA 

 Owned 2007 N/A
       

237 South Westfield Street

Feeding Hills, MA 

 Leased 2009 2028
       

12 East Granby Road

Granby, CT 

 Owned 2021 N/A
       

47 Palomba Drive

Enfield, CT 

 Leased 2014 2029
       

39 Morgan Road

West Springfield, MA 

 Owned 2005 N/A
       

1342 Liberty Street (1)

Springfield, MA 

 Owned 2008 N/A
       

70 Center Street

Chicopee, MA 

 Owned 1973 N/A
       

569 East Street

Chicopee, MA 

 Owned 1976 N/A
       

599 Memorial Drive

Chicopee, MA 

 Leased 1977 2027
       

435 Burnett Road

Chicopee, MA 

 Owned 1990 N/A
       

477A Center Street

Ludlow, MA 

 Leased 2002 2032
       

350 Palmer Road

Ware, MA 

 Leased 2009 2027
       

32 Willamansett Street

South Hadley, MA 

 Leased 2008 2027
       

14 Russell Road

Huntington, MA 

 Owned 2020 N/A
       

337 Cottage Grove Road

Bloomfield, CT 

 Leased 2020 2035
       

977 Farmington Avenue

West Hartford, CT 

 Leased 2020 2030
       

52 

 

Location 

 Ownership  Year Opened Year of Lease or License Expiration
ATMs(2):      
       

1000 State Street

Springfield, MA 

 Leased 2003 2025
       

788 Memorial Avenue

West Springfield, MA 

 Leased 2006 2025
       

2620 Westfield Street

West Springfield, MA 

 Leased 2005 2029
       

98 Southwick Road

Westfield, MA 

 Leased 2006 2026
       

115 West Silver Street

Westfield, MA 

 Tenant at will 2005 N/A
       

98 Lower Westfield Road

Holyoke, MA 

 Leased 2010 2025
       

Westfield State University

577 Western Avenue

Westfield, MA 

      
Ely Hall Tenant at will 2010 N/A
       

208 College Highway

Southwick, MA 

 Leased 2010 2025
       

110 Cherry Street

Holyoke, MA 

 Tenant at will 2018 N/A
       

291 Springfield Street

Chicopee, MA

 Tenant at will 2015 N/A
       

Springfield Visitors Center

1319 Main Street

Springfield, MA 

 Leased 2018 2026
        

Union Station

55 Frank B. Murray Street

Springfield, MA

 Leased 2018 2028
       

701 Center Street

Chicopee, MA

 Tenant at will 2015 N/A
       

627 Randall Road

Ludlow, MA 

 Tenant at will 2015 N/A
       

26 Central Street

West Springfield, MA 

 Tenant at will 2021 N/A
       

1144 Southampton Road

Westfield, MA 

 Leased 2022 2027
       

 

53 

 

 

Location Ownership Year Opened Year of Lease or License Expiration
Big E ATMs:      

1305 Memorial Avenue

West Springfield, MA 

      
Better Living Center Leased 2011 2026
Better Living Center Leased 2011 2026
Better Living Center (Door 6) Leased 2011 2026
Big E Coliseum Leased 2015 2026
Big E Young Building Leased 2011 2026
Big E Mallary Complex Leased 2011 2026
     

_____________________________

 

(1)The parking lot on this property is leased. The lease expires in 2028.

(2)Thirty-three of the Bank’s ATMs are seasonal and not listed individually above. Thirty-two of the seasonal ATMs are located on the Big E grounds during events and one additional ATM is located in Westfield.

 

ITEM 3.LEGAL PROCEEDINGS.

 

During the fiscal year ended December 31, 2024, except as set forth below, the Company was not involved in any material pending legal proceedings as a plaintiff or as a defendant, other than routine legal proceedings occurring in the ordinary course of business. Management believes that those routine legal proceedings involve, in the aggregate, amounts that are immaterial to the Company’s financial condition and results of operations financial condition or results of operations.

 

In the fourth quarter of 2023, the Company reached an agreement to settle two (2) purported class action lawsuits concerning the Company’s deposit products and related disclosures, specifically involving overdraft fees and insufficient funds fees.

 

The matters, which asserted claims for breach of contract including the covenant of good faith and fair dealing against the Company, were filed in the Massachusetts Superior Court, County of Suffolk, on June 10, 2022 and July 29, 2022, respectively. Also in March 2022, the Company received from the named plaintiff in one of the putative class action lawsuits a demand letter pursuant to the Massachusetts Consumer Protection Act, M.G.L Ch. 93A (“Chapter 93A”). The demand letter sought restitution and debt forgiveness for the named plaintiff and the putative class, plus double or treble damages and reasonable attorneys’ fees, as may be allowed under Chapter 93A. The Bank retained outside litigation counsel in these matters, and discussions to find a mutually acceptable resolution, including an arms-length mediation before a neutral mediator, proceeded between the parties.

 

On December 29, 2023, the parties entered into an agreement to settle both actions on a class basis. Pursuant to the settlement agreement and for purposes of effectuating the settlement, on January 5, 2024, the cases were refiled as a single action in federal court in Massachusetts. Under the terms of the settlement agreement, the Bank agreed to pay approximately $510,000 in exchange for the dismissal with prejudice and release of all claims that were or could have been asserted in the putative class action lawsuits on behalf of the plaintiffs and all putative settlement class members. On January 23, 2025 the Court granted final approval of the settlement. During the year ended December 31, 2023, the $510,000 in settlement expense was included in non-interest expense in the Company’s Consolidated Statements of Net Income.

 

ITEM 4.MINE SAFETY DISCLOSURES.

 

not Applicable.

 

54 

 

PART II

 

ITEM 5.MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED SHAREHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES.

 

Market Information.

 

The Company’s common stock is currently listed on NASDAQ under the trading symbol “WNEB.” As of December 31, 2024, there were 20,875,713 shares of the Company’s common stock outstanding by approximately 1,862 shareholders, as obtained through our transfer agent. Such number of shareholders does not reflect the number of persons or entities holding stock in nominee name through banks, brokerage firms and other nominees.

 

Dividend Policy.

 

The Company maintains a dividend reinvestment and direct stock purchase plan (the “DRSPP”). The DRSPP enables stockholders, at their discretion, to continue to elect to reinvest cash dividends paid on their shares of the Company’s common stock by purchasing additional shares of common stock from the Company at a purchase price equal to fair market value. Under the DRSPP, stockholders and new investors also have the opportunity to purchase shares of the Company’s common stock without brokerage fees, subject to monthly minimums and maximums.

 

Although the Company has historically paid quarterly dividends on its common stock, the Company’s ability to pay such dividends depends on a number of factors, including restrictions under federal laws and regulations on the Company’s ability to pay dividends, and as a result, there can be no assurance that dividends will be paid in the future.

 

Recent Sales of Unregistered Securities.

 

There were no sales by the Company of unregistered securities during the year ended December 31, 2024.

 

Purchases of Equity Securities by the Issuer and Affiliated Purchasers.

 

The following table sets forth information with respect to purchases made by the Company during the three months ended December 31, 2024.

 

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 Program (1)(2) 
October 1 - 31, 2024    95,000    8.76    95,000    597,318 
November 1 - 30, 2024    54,383    9.04    54,383    542,935 
December 1 - 31, 2024(2)    88,312    9.26    70,617    472,318 
Total    237,695    9.01    220,000    472,318 

 

 

 

(1)On May 21, 2024, the Board authorized an additional stock repurchase plan (the “2024 Plan”) under which the Company may purchase up to 1,000,000 shares of common stock, or 4.6%, of its outstanding common stock, as of the date the 2024 Plan was adopted. The 2024 Plan commenced upon the completion of the prior existing repurchase plan on June 6, 2024.

(2)Repurchase of 17,695 shares related to tax obligations for shares of restricted stock that vested on December 31, 2024 under our 2021 Omnibus Incentive Plan. These repurchases were reported by each reporting person on January 3, 2025.

 

55 

 

Stock Performance Graph.

 

The following graph compares our total cumulative shareholder return (which assumes the reinvestment of all dividends) by an investor who invested $100.00 on December 31, 2019 to December 31, 2024, to the total return by an investor who invested $100.00 in the S&P U.S. Banks Index $1 Billion - $5 Billion, the S&P U.S. BMI Banks New England Region Index and the NASDAQ Bank Index.

 

COMPARISON OF 5 YEAR CUMULATIVE TOTAL RETURN

 

Among Western New England Bancorp, Inc., the S&P U.S. Banks Index $1 Billion - $5 Billion, the S&P U.S. BMI Banks New England Region Index and the NASDAQ Bank Index

 

 

 

    Period Ending  
Index 12/31/19 12/31/20 12/31/21 12/31/22 12/31/23 12/31/24
Western New England Bancorp, Inc. 100.00 74.00 96.33 106.92 105.77 112.14
S&P U.S. Banks $1 Billion - $5 Billion 100.00 90.53 122.61 110.58 112.28 129.43
S&P U.S. BMI Banks New England Region Index 100.00 86.61 120.88 110.72 102.29 127.05
NASDAQ Bank Index 100.00 92.50 132.19 110.67 106.87 128.85

 

56 

 

ITEM 6.SELECTED FINANCIAL DATA.

 

[Reserved.]

 

ITEM 7.MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS.

 

The following discussion should be read in conjunction with the Company’s Consolidated Financial Statements and notes thereto, each appearing elsewhere in this Annual Report on Form 10-K. Management’s discussion focuses on 2024 results compared to 2023. For a discussion of 2023 results compared to 2022, refer to Part II, Item 7 of our Annual Report filed on Form 10-K, which was filed with the SEC on March 8, 2024.

 

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, 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, 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:

 

●Increase market share and achieve scale to improve the Company’s profitability and efficiency and return value to shareholders;

 

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

 

●Supplement the commercial portfolio by growing the residential real estate portfolio to diversify the 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 per share and tangible book value, pay competitive dividends to shareholders and utilize the Company’s stock repurchase plan to leverage our capital and enhance franchise value; 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 year ended December 31, 2024 in the context of this strategy.

 

57 

 

 

For the twelve months ended December 31, 2024, net income was $11.7 million, or $0.56 diluted earnings per share, compared to net income of $15.1 million, or $0.70 diluted earnings per share, for the twelve months ended December 31, 2023. The results for the twelve months ended December 31, 2024 showed decreases in net interest income and the provision for credit losses, as well as increases in non-interest income and non-interest expense.

 

During the twelve months ended December 31, 2024, net interest income decreased $8.1 million, or 11.9%, to $59.8 million, compared to $67.9 million for the twelve months ended December 31, 2023. The decrease in net interest income was primarily due to an increase in interest expense of $16.8 million, or 50.6%, partially offset by an increase in interest and dividend income of $8.7 million, or 8.6%.

 

During the twelve months ended December 31, 2024, the Company recorded a reversal of credit losses of $665,000, compared to a provision for credit losses of $872,000 during the twelve months ended December 31, 2023. The decrease in reserves was primarily due to changes in the economic environment and related adjustments to the quantitative components of the CECL methodology.

 

General.

 

Our consolidated results of operations depend primarily on net interest and dividend income. Net interest and dividend income is the difference between the interest income earned on interest-earning assets and the interest paid on interest-bearing liabilities. Interest-earning assets consist primarily of commercial real estate loans, commercial and industrial loans, residential real estate loans and securities. Interest-bearing liabilities consist primarily of time deposits and money market accounts, demand deposits, savings accounts and borrowings from the FHLB. The consolidated results of operations also depend on the provision for loan losses, non-interest income, and non-interest expense. Non-interest income includes service fees and charges, income on bank-owned life insurance, gains (losses) on sales of mortgages, gains (losses) on non-marketable equity investments and gains (losses) on securities. Non-interest expense includes salaries and employee benefits, occupancy expenses, data processing, advertising expense, FDIC insurance assessment, professional fees and other general and administrative expenses.

 

Critical Accounting Policies.

 

Our accounting policies are disclosed in Note 1 to our consolidated financial statements. Given our current business strategy and asset/liability structure, the more critical policy is the allowance for credit losses and provision for credit losses. In addition to the informational disclosure in the notes to the consolidated financial statements, our policy on this accounting policy is described in detail in the applicable sections of “Management’s Discussion and Analysis of Financial Condition and Results of Operations.” Senior management has discussed the development and selection of this accounting policy and the related disclosures with the Audit Committee of the Board.

 

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 $7.4 million at December 31, 2024 and is excluded from the estimate of credit losses.

 

This evaluation is inherently subjective as it requires material estimates that may be susceptible to significant change. 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. For commercial real estate loans, residential real estate loans, and commercial and industrial loans, 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. The expected loss estimates for the consumer loan segment are based on historical loss rates using the WARM method.

 

58 

 

 

Although management believes it has established and maintained the allowance for credit losses at adequate levels for the current economic environment and supportable forecast period, if management’s assumptions and judgments prove to be incorrect due to changes in the economic environment and related adjustments to the quantitative components of the CECL methodology, and the allowance for credit losses is not adequate to absorb forecasted losses, our earnings and capital could be significantly and adversely affected.

 

Analysis of Net Interest Income.

 

The Company’s earnings are largely dependent on its net interest income, which is the difference between interest earned on loans and investments and the cost of funding (primarily deposits and borrowings). Net interest income expressed as a percentage of average interest-earning assets is referred to as net interest margin. For more information regarding the Company’s use of Non-GAAP financial measures see “Explanation of Use of Non-GAAP Financial Measurements.”

 

Average Balance Sheet.

 

The following table sets forth information relating to the Company for the years ended December 31, 2024, 2023 and 2022. The average yields and costs are derived by dividing interest income or interest expense by the average balance of interest-earning assets or interest-bearing liabilities, respectively, for the periods shown. Average balances are derived from average daily balances. The yields include fees which are considered adjustments to yields. Loan interest and yield data does not include any accrued interest from non-accruing loans.

 

59 

 

   For the Years Ended December 31, 
   2024   2023   2022 
   Average      

Average

Yield/

   Average      

Average

Yield/

   Average      

Average

Yield/

 
   Balance   Interest   Cost   Balance   Interest   Cost   Balance   Interest   Cost 
   (Dollars in thousands) 
ASSETS:                                    
Interest-earning assets                                             
Loans(1)(2)  $2,035,149   $99,369    4.88%  $2,006,166   $91,640    4.57%  $1,953,527   $77,758    3.98%
Securities(2)   357,631    8,649    2.42    368,201    8,371    2.27    407,444    8,299    2.04 
Other investments - at cost   14,669    687    4.68    12,425    558    4.49    10,289    177    1.72 
Short-term investments(3)   33,254    1,598    4.81    20,459    1,021    4.99    25,712    191    0.74 
Total interest-earning assets   2,440,703    110,303    4.52    2,407,251    101,590    4.22    2,396,972    86,425    3.61 
Total non-interest-earning assets   155,056              155,511              152,941           
Total assets  $2,595,759             $2,562,762             $2,549,913           
                                              
LIABILITIES AND EQUITY:                                             
Interest-bearing liabilities                                             
Interest-bearing checking accounts  $136,861    1,022    0.75   $142,005    1,041    0.73   $139,993    530    0.38 
Savings accounts   182,678    166    0.09    202,354    181    0.09    222,267    161    0.07 
Money market accounts   631,197    12,242    1.94    697,621    9,529    1.37    890,763    3,187    0.36 
Time deposits   666,917    28,806    4.32    524,827    15,898    3.03    363,258    1,474    0.41 
Total interest-bearing deposits   1,617,653    42,236    2.61    1,566,807    26,649    1.70    1,616,281    5,352    0.33 
Short-term borrowings and long-term debt   155,560    7,779    5.00    135,532    6,560    4.84    31,556    1,344    4.26 
Interest-bearing liabilities   1,773,213    50,015    2.82    1,702,339    33,209    1.95    1,647,837    6,696    0.41 
Non-interest-bearing deposits   561,264              602,652              647,971           
Other non-interest-bearing liabilities   24,541              24,885              35,615           
Total non-interest-bearing liabilities   585,805              627,537              683,586           
Total liabilities   2,359,018              2,329,876              2,331,423           
Total equity   236,741              232,886              218,490           
Total liabilities and equity  $2,595,759             $2,562,762             $2,549,913           
Less: Tax-equivalent adjustment(2)        (471)             (472)             (497)     
Net interest and dividend income       $59,817             $67,909             $79,232      
Net interest rate spread(4)             1.68%             2.25%             3.18%
Net interest rate spread, on a tax-equivalent basis(5)             1.70%             2.27%             3.20%
Net interest margin(6)             2.45%             2.82%             3.31%
Net interest margin, on a tax-equivalent basis(7)             2.47%             2.84%             3.33%
Ratio of average interest-earning assets to average interest-bearing liabilities             137.64%             141.41%             145.46%

60 

 

 

 

(1)Loans, including nonperforming 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% for 2024, 2023 and 2022. 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. See “Explanation of Use of Non-GAAP Financial Measurements.”

(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.”

 

61 

 

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.

 

   Year Ended December 31, 2024 Compared to Year Ended December 31, 2023   Year Ended December 31, 2023 Compared to Year Ended December 31, 2022 
   Increase (Decrease) Due to   Increase (Decrease) Due to 
   Volume   Rate   Net   Volume   Rate   Net 
Interest-earning assets  (Dollars in thousands)   (Dollars in thousands) 
Loans (1)  $1,323   $6,406   $7,729   $2,095   $11,787   $13,882 
Investment securities (1)   (240)   518    278    (799)   871    72 
Other investments - at cost   101    28    129    37    344    381 
Short-term investments   639    (62)   577    (39)   869    830 
Total interest-earning assets   1,823    6,890    8,713    1,294    13,871    15,165 
                               
Interest-bearing liabilities                              
Interest-bearing checking accounts   (39)   20    (19)   8    503    511 
Savings accounts   (18)   3    (15)   (14)   34    20 
Money market accounts   (907)   3,620    2,713    (691)   7,033    6,342 
Time deposits   4,304    8,604    12,908    656    13,768    14,424 
Short-term borrowing and long-term debt   969    250    1,219    4,428    788    5,216 
Total interest-bearing liabilities   4,309    12,497    16,806    4,387    22,126    26,513 
Change in net interest and dividend income  $(2,486)  $(5,607)  $(8,093)  $(3,093)  $(8,255)  $(11,348)

 

 

(1) Securities and loan income and net interest income are presented on a tax-equivalent basis using a tax rate of 21% for 2024, 2023 and 2022. 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.”

 

62 

 

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 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 is considered a non-GAAP financial measure. A reconciliation from GAAP to non-GAAP is provided below.

 

   For the twelve months ended 
   12/31/2024   12/31/2023   12/31/2022 
   (Dollars in thousands) 
             
Loans (no tax adjustment)  $98,898   $91,169   $77,264 
Tax-equivalent adjustment (1)   471    471    494 
Loans (tax-equivalent basis)  $99,369   $91,640   $77,758 
                
Securities (no tax adjustment)  $8,649   $8,370   $8,296 
Tax-equivalent adjustment (1)   —    1    3 
Securities (tax-equivalent basis)  $8,649   $8,371   $8,299 
                
Net interest income (no tax adjustment)  $59,817   $67,909   $79,232 
Tax equivalent adjustment (1)   471    472    497 
Net interest income (tax-equivalent basis)  $60,288   $68,381   $79,729 
                
Net interest income (no tax adjustment)  $59,817   $67,909   $79,232 
Less:               
Fair value hedge interest income   1,398    1,085    — 
Adjusted net interest income (non-GAAP)  $58,419   $66,824   $79,232 
                
Average interest-earning assets  $2,440,703   $2,407,251   $2,396,972 
Net interest margin (no tax adjustment)   2.45%   2.82%   3.31%
Net interest margin, tax-equivalent   2.47%   2.84%   3.33%
Adjusted net interest margin, excluding fair value hedge interest income (non-GAAP)   2.39%   2.77%   3.31%

 

63 

 

   At or for the twelve months ended 
   12/31/2024   12/31/2023   12/31/2022 
   (Dollars in thousands) 
             
Book Value per Share (GAAP)  $11.30   $10.96   $10.27 
Non-GAAP adjustments:               
  Goodwill   (0.60)   (0.58)   (0.56)
  Core deposit intangible   (0.07)   (0.08)   (0.10)
Tangible Book Value per Share (non-GAAP)  $10.63   $10.30   $9.61 
                
                
Adjusted Efficiency Ratio:               
Non-interest Expense (GAAP)  $58,428   $58,350   $57,235 
                
Net Interest Income (GAAP)  $59,817   $67,909   $79,232 
                
Non-interest Income (GAAP)  $12,903   $10,897   $13,332 
Non-GAAP adjustments:               
Loss on disposal of premises and equipment   6    3    — 
Loss on securities, net   —    —    4 
Unrealized (gain) loss on marketable equity securities   (13)   1    717 
Gain on bank-owned life insurance death benefit   —    (778)   — 
Gain on non-marketable equity investments   (1,287)   (590)   (422)
Loss (gain) on defined benefit plan termination   —    1,143    (2,807)
Non-interest Income for Adjusted Efficiency Ratio (non-GAAP)  $11,609   $10,676   $10,824 
Total Revenue for Adjusted Efficiency Ratio (non-GAAP)  $71,426   $78,585   $90,056 
                
Efficiency Ratio (GAAP)   80.35%   74.04%   61.83%
                
Adjusted Efficiency Ratio (Non-interest Expense (GAAP)/Total Revenue for Adjusted Efficiency Ratio (non-GAAP))   81.80%   74.25%   63.55%

 

 

(1)The tax equivalent adjustment is based upon a 21% tax rate for 2024, 2023 and 2022.

 

64 

 

Comparison of Financial Condition at December 31, 2024 and December 31, 2023.

 

At December 31, 2024, total assets were $2.7 billion, an increase of $88.5 million, or 3.5%, from December 31, 2023. The balance sheet composition and changes since December 31, 2023 are discussed below.

 

Cash and Cash Equivalents.

 

Cash and cash equivalents is comprised of cash on hand and amounts due from banks, interest-earning deposits in other financial institutions and federal funds sold. Cash and cash equivalents totaled $66.5 million, or 2.5% of total assets, at December 31, 2024 and $28.8 million, or 1.1% of total assets, at December 31, 2023. Balances in cash and cash equivalents will fluctuate due primarily to the timing of net deposit flows, borrowing and loan inflows and outflows, investment purchases and maturities, calls and sales proceeds, and the immediate liquidity needs of the Company.

 

Investments.

 

At December 31, 2024, the investment securities portfolio totaled $366.1 million, or 13.8% of total assets, compared to $360.7 million, or 14.1% of total assets, at December 31, 2023. At December 31, 2024, the Company’s available-for-sale securities portfolio, recorded at fair market value, increased $23.6 million, or 17.2%, from $137.1 million at December 31, 2023 to $160.7 million. The held-to-maturity securities portfolio, recorded at amortized cost, decreased $18.4 million, or 8.2%, from $223.4 million at December 31, 2023 to $205.0 million at December 31, 2024.

 

At December 31, 2024, the Company reported unrealized losses on the available-for-sale securities portfolio of $31.2 million, or 16.2% of the amortized cost basis of the available-for-sale securities portfolio, compared to unrealized losses of $29.2 million, or 17.5% of the amortized cost basis of the available-for-sale securities at December 31, 2023. At December 31, 2024, the Company reported unrealized losses on the held-to-maturity securities portfolio of $39.4 million, or 19.2% of the amortized cost basis of the held-to-maturity securities portfolio, compared to $35.7 million, or 16.0% of the amortized cost basis of the held-to-maturity securities portfolio at December 31, 2023.

 

The Bank is required to purchase FHLB stock at par value in association with advances from the FHLB. The stock is classified as a restricted investment and carried at cost which management believes approximates fair value. The Company’s investment in FHLB capital stock amounted to $5.4 million and $3.2 million at December 31, 2024 and December 31, 2023, respectively.

 

At December 31, 2024 and 2023, the Company held $423,000 of Atlantic Community Bankers Bank stock. The stock is restricted and carried in other assets at cost. The stock is evaluated for impairment based on an estimate of the ultimate recovery to the par value.

 

Loans.

 

At December 31, 2024, total loans increased by $42.9 million, or 2.1%, from December 31, 2023, to $2.1 billion. The increase in total loans was due to an increase in residential real estate loans, including home equity loans, of $53.5 million, or 7.4%, partially offset by a decrease in commercial real estate loans of $4.0 million, or 0.4%, a decrease in commercial and industrial loans of $5.7 million, or 2.7% and a decrease in consumer loans of $1.1 million, or 19.8%.

 

Management continues to closely monitor the loan portfolio for any signs of deterioration in borrowers’ financial condition and also in light of speculation that commercial real estate values may deteriorate as the market continues to adjust to higher vacancies and interest rates. We continue to proactively take steps to mitigate risk in our loan portfolio.

 

Total delinquency was $5.0 million, or 0.24% of total loans, at December 31, 2024, compared to $6.0 million, or 0.30% of total loans at December 31, 2023. At December 31, 2024, nonperforming loans totaled $5.4 million, or 0.26% of total loans, compared to $6.4 million, or 0.32% of total loans, at December 31, 2023. At December 31, 2024 and December 31, 2023, there were no loans 90 or more days past due and still accruing interest. Total nonperforming assets totaled $5.4 million, or 0.20% of total assets, at December 31, 2024, compared to $6.4 million, or 0.25% of total assets, at December 31, 2023. At December 31, 2024 and December 31, 2023, the Company did not have any other real estate owned. At December 31, 2024, the allowance for credit losses was $19.5 million, or 0.94% of total loans and 362.9% of nonperforming loans, compared to $20.3 million, or 1.00% of total loans and 315.6% of nonperforming loans, at December 31, 2023. Total criticized loans, defined as special mention and substandard loans, decreased $1.1 million, or 2.8%, from $39.5 million, or 1.9% of total loans, at December 31, 2023 to $38.4 million, or 1.9% of total loans, at December 31, 2024. A summary of our past due and nonperforming loans by class is listed in Note 5 of the accompanying unaudited consolidated financial statements.

 

65 

 

 

Our commercial real estate portfolio is comprised of diversified property types and primarily within our geographic footprint. At December 31, 2024, the commercial real estate portfolio totaled $1.1 billion, and represented 52.0% of total loans. Of the $1.1 billion, $880.8 million, or 81.9%, was categorized as non-owner occupied commercial real estate and represented 325.2% of the bank’s total risk-based capital.

 

The Company’s commercial real estate loans are considered to be relatively diversified by borrower, industry and concentrated in the New England geographical area. A significant portion of the loan portfolio consists of commercial real estate loans, primarily made in Massachusetts, and to a lesser degree, Connecticut, and secured by real estate or other collateral in the market. Although these loans are made to a diversified pool of unrelated borrowers across numerous businesses, adverse developments in the local real estate market could have an adverse impact on this portfolio of loans and the Company’s income and financial position. While our basic market area is in Massachusetts, the Company has made loans outside that market area where the applicant is an existing customer, and the nature and quality of such loans was consistent with the Company’s lending policies.

 

We continuously monitor the asset quality of our loan portfolio. For the commercial portfolio, we monitor credit quality using a risk rating scale, which assigns a risk-grade to each borrower based on a number of quantitative and qualitative factors associated with a commercial loan transaction. Management utilizes a loan risk rating methodology based on an 8-point scale. Pass grades are 0-4 and non-pass categories, which align with regulatory guidelines, include: special mention (5), substandard (6), doubtful (7) and loss (8). Risk rating assignment is determined by analyzing key factors, which may include: industry and market conditions, position within the industry, earnings trends, operating cash flow, debt capacity, guarantor strength, management, financial reporting, collateral and other considerations.

 

CRE Concentrations.

 

The OCC, the FRB, and the FDIC (“Agencies”) issued guidance in 2006 which addresses institutions with increased concentrations of commercial real estate (“CRE”) loans. The guidance does not establish specific CRE lending limits; rather, it promotes sound risk management practices and appropriate levels of capital that will enable institutions to continue to pursue CRE lending in a safe and sound manner. In developing this guidance, the Agencies recognized that different types of CRE lending present different levels of risk, and that consideration should be given to the lower risk profiles and historically superior performance of certain types of CRE, such as well-structured multifamily housing finance, when compared to others, such as speculative office space construction.

 

Institutions are encouraged to segment their CRE portfolios to acknowledge these distinctions for risk management purposes. The guidance focuses on those CRE loans for which the cash flow from the real estate is the primary source of repayment rather than loans to a borrower for which real estate collateral is taken as a secondary source of repayment or through an abundance of caution. Thus, for the purposes of the guidance, CRE loans include those loans with risk profiles sensitive to the condition of the general CRE market (for example, market demand, changes in capitalization rates, vacancy rates, or rents). CRE loans are land development and construction loans (including 1- to 4-family residential and commercial construction loans) and other land loans. CRE loans also include loans secured by multifamily property, and nonfarm nonresidential property where the primary source of repayment is derived from rental income associated with the property (that is, loans for which 50 percent or more of the source of repayment comes from third party, nonaffiliated, rental income) or the proceeds of the sale, refinancing, or permanent financing of the property. Excluded from the scope of this Guidance are loans secured by nonfarm nonresidential properties where the primary source of repayment is the cashflow from the ongoing operations and activities conducted by the party, or affiliate of the party, who owns the property.

 

As part of their ongoing supervisory monitoring processes, the Agencies use certain criteria to identify institutions that are potentially exposed to significant CRE concentration risk. An institution that has experienced rapid growth in CRE lending, has notable exposure to a specific type of CRE, or is approaching or exceeds the following supervisory criteria may be identified for further supervisory analysis of the level and nature of its CRE concentration risk:

 

66 

 

 

1. Total reported loans for construction, land development, and other land represent 100 percent or more of the institution’s total risk-based capital; or

 

2. Total commercial real estate loans as defined in this guidance represent 300 percent or more of the institution’s total risk-based capital, and the outstanding balance of the institution’s commercial real estate loan portfolio has increased by 50 percent or more during the prior 36 months.

 

The Agencies use the criteria as a preliminary step to identify institutions that may have CRE concentration risk. Because regulatory reports capture a broad range of CRE loans with varying risk characteristics, the supervisory monitoring criteria do not constitute limits on an institution’s lending activity but rather serve as high-level indicators to identify institutions potentially exposed to CRE concentration risk.

 

The Company holds a concentration in commercial real estate loans. As of December 31, 2024, construction, land development and other land loans represented 37.9% of consolidated bank risk-based capital. During the prior 36 months, the Company has experienced an increase in its commercial real estate portfolio of 16.1%.

 

The management team has extensive experience in underwriting commercial real estate loans and has implemented and continues to maintain heightened risk management procedures and strong underwriting criteria with respect to its commercial real estate portfolio. The Board has established internal maximum limits on CRE as an asset class overall as well as sub limits within CRE by property class, to better manage and control the exposure to property classes during periods of changing economic conditions. The Board also has minimum targets for regulatory capital ratios that are in excess of well capitalized ratios.

 

Our risk management process begins with a robust underwriting program. The underwriting and risk rating of all loans is completed by the Company’s Credit Department that is independent of the originating lender(s).

 

At December 31, 2024 and December 31, 2023, non-owner and owner occupied commercial real estate loans, totaled $1.1 billion, or 52.0%, of total gross loans, and $1.1 billion, or 53.3%, of total gross loans, respectively.

 

The table below breaks down the commercial real estate portfolio outstanding balance by non-owner and owner occupied and by concentration as of December 31, 2024:

 

                 
Property Type  Non-Owner Occupied   Owner Occupied   Total   % of CRE Portfolio   % of Total Loans   % of Total Bank Risk-Based Capital (1) 
   (Dollars in thousands)             
                 
Office Portfolio  $177,102   $23,013   $200,115    18.6%   9.7%   73.9%
Apartment   179,874    —    179,874    16.7%   8.7%   66.4%
Industrial   116,663    51,618    168,281    15.6%   8.1%   62.1%
Retail   109,936    7,105    117,041    10.9%   5.7%   43.2%
Other   37,231    30,471    67,702    6.3%   3.3%   25.0%
Mixed Use   71,226    6,402    77,628    7.2%   3.8%   28.7%
Hotel/Hospitality   43,133    —    43,133    4.0%   2.1%   15.9%
Automotive Sales   2,705    36,554    39,259    3.6%   1.9%   14.5%
Adult Care/Assisted Living   31,635    6,119    37,754    3.5%   1.8%   13.9%
Self-Storage   33,765    329    34,094    3.2%   1.6%   12.6%
Student Housing   22,047    —    22,047    2.0%   1.1%   8.1%
Warehouse   20,942    10,045    30,987    2.9%   1.5%   11.4%
Shopping Center   23,193    7,518    30,711    2.9%   1.5%   11.3%
School/Higher Education   11,376    15,730    27,106    2.5%   1.3%   10.0%
Total commercial real estate  $880,828   $194,904   $1,075,732    100.0%   52.0%   397.1%
% of Total Bank Risk-Based Capital (1)   325.2%   71.9%   397.1%               
% of Total CRE loans   81.9%   18.1%                    

 

 

(1)Due to loan classifications, the percentage of Total Bank Risk-Based Capital may differ from the call report.

 

67 

 

 

The table below breaks down the commercial real estate portfolio outstanding balance by non-owner and owner occupied and by concentration as of December 31, 2023:

 

 
Property Type (1)  Non-Owner Occupied   Owner Occupied   Total   % of CRE Portfolio   % of Total Loans   % of Total Bank Risk-Based Capital (2) 
   (Dollars in thousands)             
                 
Office  $183,838   $32,327   $216,165    20.0%   10.7%   79.6%
Apartment   176,082    —    176,082    16.3%   8.7%   64.9%
Retail   111,091    8,005    119,096    11.0%   5.9%   43.9%
Industrial   98,594    53,228    151,822    14.1%   7.5%   55.9%
Mixed Use   73,516    6,121    79,637    7.4%   3.9%   29.3%
Other   46,245    28,539    74,784    7.0%   3.7%   27.7%
Hotel/Hospitality   44,630    —    44,630    4.1%   2.2%   16.4%
Adult Care/Assisted Living   32,404    —    32,404    3.0%   1.6%   11.9%
Self-Storage   31,551    440    31,991    3.0%   1.6%   11.8%
Student Housing   19,724    —    19,724    1.8%   1.0%   7.3%
Shopping Center   24,524    8,438    32,962    3.1%   1.6%   12.1%
Warehouse   23,978    10,742    34,720    3.2%   1.7%   12.8%
School/Higher Education   12,642    11,584    24,226    2.2%   1.2%   8.9%
Automotive Sales   2,824    38,684    41,508    3.8%   2.0%   15.3%
Total commercial real estate  $881,643   $198,108   $1,079,751    100.0%   53.3%   397.8%
% of Total Bank Risk-Based Capital (1)   324.8%   73.0%                    
% of Total CRE loans   81.7%   18.3%                    

 

 

(1)December 31, 2023 property types have been reclassified for consistency with December 31, 2024 information.

(2)Due to loan classifications, the percentage of Total Bank Risk-Based Capital may differ from the call report.

 

At December 31, 2024, of the $1.1 billion in commercial real estate loans, $880.8 million, or 42.6% of total loans, were categorized as non-owner occupied and represented 325.2% of total bank risk-based capital.

 

The following table further breaks down the non-owner occupied commercial real estate portfolio balances by concentration, collateral location and weighted average loan-to-value (“LTV”) as of December 31, 2024:

 

Property Type  MA   CT   NH   RI   Other   Total   % of Total Bank Risk-Based Capital (1)   Weighted Average LTV (2) 
   (Dollars in thousands)         
             
Apartment  $114,922   $37,212   $—   $27,740   $—   $179,874    66.4%   54.7%
Office   62,554    62,906    40,237    —    11,405    177,102    65.4%   64.4%
Industrial   60,192    35,438    —    14,992    6,041    116,663    43.1%   56.0%
Retail   55,555    23,551    13,752    6,219    10,859    109,936    40.6%   55.4%
Mixed Use   31,899    21,552    —    13,062    4,713    71,226    26.3%   57.7%
Other   30,449    5,949    707    —    126    37,231    13.7%   55.3%
Hotel/Hospitality   20,813    22,320    —    —    —    43,133    15.9%   51.8%
Adult Care/Assisted Living   15,089    16,546    —    —    —    31,635    11.7%   58.6%
Self-Storage   24,433    8,548    784    —    —    33,765    12.5%   63.0%
Student Housing   3,717    15,323    2,660    —    347    22,047    8.1%   72.4%
Shopping Center   7,176    16,017    —    —    —    23,193    8.6%   50.9%
Warehouse   17,406    3,319    —    —    217    20,942    7.7%   44.5%
School/Higher Education   11,376    —    —    —    —    11,376    4.2%   45.0%
Automotive Sales   2,705    —    —    —    —    2,705    1.0%   39.5%
Total Non-Owner CRE  $458,286   $268,681   $58,140   $62,013   $33,708   $880,828    325.2%   57.2%

___________________

(1)Due to loan classifications, the percentage of Total Bank Risk-Based Capital may differ from the call report.

 

68 

 

 

(2)Weighted average LTV is based on the original appraisal and the current loan exposure.

 

At December 31, 2023, of the $1.1 billion in commercial real estate loans, $881.7 million, or 43.5% of total loans, was categorized as non-owner occupied and represented 324.8% of total risk-based capital.

 

The following table further breaks down the non-owner occupied commercial real estate portfolio balances by concentration, collateral location and weighted average LTV as of December 31, 2023.

 

Property Type (1)  MA   CT   NH   RI   Other   Total   % of Total Risk-based Capital (2)   Weighted Average LTV (3) 
   (Dollars in thousands)         
             
Adult Care/Assisted Living  $15,700   $16,704   $—   $—   $—   $32,404    11.9%   55.4%
Apartment   103,248    35,897    5,050    31,887    —    176,082    64.9%   53.6%
Automotive Sales   2,824    —    —    —    —    2,824    1.0%   41.2%
School/Higher Education   12,642    —    —    —    —    12,642    4.7%   45.6%
Hotel/Hospitality   21,519    23,111    —    —    —    44,630    16.4%   53.4%
Industrial   52,977    32,327    —    13,290    —    98,594    36.3%   60.7%
Mixed Use   33,186    22,268    —    13,302    4,760    73,516    27.1%   59.8%
Office   65,249    65,685    41,404    —    11,500    183,838    67.7%   66.2%
Retail   56,439    24,582    12,576    6,363    11,131    111,091    40.9%   57.0%
Self-Storage   12,911    —    —    18,640    —    31,551    11.6%   52.3%
Student Housing   3,803    15,571    —    —    350    19,724    7.3%   69.2%
Shopping Center   7,728    16,796    —    —    —    24,524    9.0%   52.9%
Warehouse   20,577    3,401    —    —    —    23,978    8.8%   40.5%
Other   38,256    6,949    735    —    305    46,245    17.0%   60.8%
Total Non-Owner CRE  $447,059   $263,291   $59,765   $83,482   $28,046   $881,643    324.8%   58.0%

 

 

(1)December 31, 2023 property types have been reclassified for consistency with December 31, 2024 information.

(2)Due to loan classifications, the percentage of Total Bank Risk-Based Capital may differ from the call report.

(3)Weighted average LTV is based on the original appraisal and the current loan exposure.

 

The Company also underwrites and originates owner occupied commercial real estate loans. These loans are typically term loans made to support properties that rely upon the operations of the business occupying the property for repayment. The Agencies specifically excluded owner occupied commercial real estate from their concentration guidance, as the primary source of repayment is the cash flow from the ongoing operations and activities conducted by the party, or affiliate of the party, who owns the property.

 

The table below depicts a well-diversified portfolio of owner occupied commercial real estate portfolio as of December 31, 2024:

 

Property Type  MA   CT   NH   Other   Total   % of Total Bank Risk-Based Capital (1)   Weighted Average LTV (2) 
   (Dollars in thousands)         
             
                                    
Adult Care/Assisted Living  $—   $—   $6,119   $—   $6,119    2.3%   58.1%
Automotive Sales   29,858    6,696    —    —    36,554    13.5%   59.8%
School/Higher Education   15,730    —    —    —    15,730    5.8%   66.8%
Industrial   42,456    8,594    —    568    51,618    19.1%   52.7%
Mixed Use   5,820    582    —    —    6,402    2.4%   53.0%
Office   20,477    2,536    —    —    23,013    8.5%   57.2%
Retail   7,105    —    —    —    7,105    2.6%   53.4%
Shopping Center   5,358    2,160    —    —    7,518    2.8%   56.5%
Self-Storage   329    —    —    —    329    0.1%   20.5%
Warehouse   9,671    374    —    —    10,045    3.7%   63.2%
Other   21,773    7,782    916    —    30,471    11.2%   49.4%
Total Owner Occupied CRE  $158,577   $28,724   $7,035   $568   $194,904    72.0%   56.0%

 

69 

 

 

 

(1)Due to loan classifications, the percentage of Total Bank Risk-Based Capital may differ from the call report.

(2)Weighted average LTV is based on the original appraisal and the current loan exposure.

 

The table below depicts a well-diversified portfolio of owner occupied commercial real estate as of December 31, 2023:

 

Property Type (1)  MA   CT   NH   Other   Total   % of Total Risk-based Capital (2)   Weighted Average LTV (3) 
   (Dollars in thousands)         
             
Automotive Sales  $31,568   $7,116   $—   $—   $38,684    14.3%   64.2%
School/Higher Education   11,584    —    —    —    11,584    4.3%   69.9%
Industrial   40,870    10,161    —    2,197    53,228    19.6%   53.4%
Mixed Use   5,512    609    —    —    6,121    2.3%   52.0%
Office   29,570    2,757    —    —    32,327    11.9%   62.9%
Retail   8,005    —    —    —    8,005    2.9%   47.8%
Shopping Center   6,202    2,236    —    —    8,438    3.1%   57.5%
Self-Storage   389    51    —    —    440    0.2%   20.2%
Warehouse   10,120    398    —    224    10,742    4.0%   63.0%
Other   24,745    2,837    957    —    28,539    10.5%   47.0%
Total Owner Occupied CRE  $168,565   $26,165   $957   $2,421   $198,108    73.0%   57.4%

 

 

(1)December 31, 2023 property types have been reclassified for consistency with December 31, 2024 information.

(2)Due to loan classifications, the percentage of Total Bank Risk-Based Capital may differ from the call report.

(3)Weighted average LTV is based on the original appraisal and the current loan exposure.

 

Commercial Real Estate Office Exposure.

 

Our total office-related commercial real estate loans (which is comprised of loans within our commercial real estate portfolio that are secured by office space, medical office space, and mixed-use where rental income is primarily from office space) totaled $200.1 million, or 73.9% of total bank risk-based capital and $216.2 million, or 79.6% of total bank risk-based capital, as of December 31, 2024 and December 31, 2023, respectively.

 

The table below breaks the office-related commercial real estate loans by collateral type for the periods noted:

 

December 31, 2024  Non-Owner Occupied   Owner Occupied   Total   % of Office Portfolio   % of Total Bank Risk-Based
Capital (1)		 
   (Dollars in thousands)         
Collateral Type:                         
Office/Medical  $106,884   $10,760   $117,644    58.8%   43.4%
Office/Professional Metro   3,693    8,259    11,952    6.0%   4.4%
Office/Professional Suburban   39,336    3,681    43,017    21.5%   15.9%
Office/Professional Urban   27,189    313    27,502    13.7%   10.2%
Total Office Portfolio  $177,102   $23,013   $200,115    100.0%   73.9%

70 

 

 December 31, 2023 (1)  Non-Owner Occupied   Owner Occupied   Total   % of Office Portfolio   % of Total Bank Risk-Based
Capital (2)		 
   (Dollars in thousands)         
Collateral Type:                         
Office/Medical  $109,947   $21,560   $131,507    60.8%   48.4%
Office/Professional Metro   4,313    6,580    10,893    5.0%   4.0%
Office/Professional Suburban   42,167    3,841    46,008    21.3%   17.0%
Office/Professional Urban   27,411    346    27,757    12.8%   10.2%
Total Office Portfolio  $183,838   $32,327   $216,165    100.0%   79.6%

 

 

(1)December 31, 2023 property types have been reclassified for consistency with December 31, 2024 information.

(2)Due to loan classifications, the percentage of Total Bank Risk-Based Capital may differ from the call report.

 

Office-related CRE loans are primarily concentrated in Massachusetts, where approximately 41.5% at December 31, 2024 and 43.9%, at December 31, 2023, of the total balance of office-related CRE loans are located. The Company does not have office CRE loans secured by real estate in greater Boston or New York.

 

  December 31, 2024  Non-Owner Occupied   Owner Occupied   Total   % of Office Portfolio   % of Total Bank Risk-Based
Capital (1)		 
   (Dollars in thousands)         
By State:                         
Massachusetts  $62,554   $20,477   $83,031    41.5%   30.7%
Connecticut   62,906    2,536    65,442    32.7%   24.2%
New Hampshire   40,237    —    40,237    20.1%   14.9%
Other   11,405    —    11,405    5.7%   4.2%
Total Office Portfolio  $177,102   $23,013   $200,115    100.0%   73.9%

 

December 31, 2023 (1)  Non-Owner Occupied   Owner Occupied   Total   % of Office Portfolio   % of Total Bank Risk-Based
Capital (2)		 
   (Dollars in thousands)         
By State:                         
Massachusetts  $65,249   $29,570   $94,819    43.9%   34.9%
Connecticut   65,685    2,757    68,442    31.7%   25.2%
New Hampshire   41,404    —    41,404    19.2%   15.3%
Other   11,500    —    11,500    5.3%   4.2%
Total Office Portfolio  $183,838   $32,327   $216,165    100.0%   79.6%

 

 

(1)December 31, 2023 property types have been reclassified for consistency with December 31, 2024 information.

(2)Due to loan classifications, the percentage of Total Bank Risk-Based Capital may differ from the call report.

 

The following table sets forth the office-related CRE loans for non-owner occupied and owner occupied CRE and their credit quality indicators as of the dates indicated:

 

December 31, 2024  Non-Owner Occupied   Owner Occupied   Total   % of Office Portfolio   % of Total Bank Risk-Based
Capital (1)		 
   (Dollars in thousands)         
By Risk Rating:                         
Pass  $169,177   $21,632   $190,809    95.4%   70.5%
Special Mention   7,925    724    8,649    4.3%   3.2%
Substandard   —    657    657    0.3%   0.2%
Total Office Portfolio  $177,102   $23,013   $200,115    100.0%   73.9%

 

71 

 

 

December 31, 2023 (1)  Non-Owner Occupied   Owner Occupied   Total   % of Office Portfolio   % of Total Bank Risk-Based
Capital (2)		 
   (Dollars in thousands)         
By Risk Rating:                         
Pass  $183,296   $31,559   $214,855    99.4%   79.2%
Special Mention   83    330    413    0.2%   0.1%
Substandard   459    438    897    0.4%   0.3%
Total Office Portfolio  $183,838   $32,327   $216,165    100.0%   79.6%

 

 

(1)December 31, 2023 property types have been reclassified for consistency with December 31, 2024 information.

(2)Due to loan classifications, the percentage of Total Bank Risk-Based Capital may differ from the call report.

 

Given prevailing market conditions such as recent sustained increases in interest rates, reduced occupancy as a result of the increase in hybrid work arrangements post-COVID, and lower commercial real estate valuations, we carefully monitor these loans for signs of deterioration in credit quality and other risks. Such heightened monitoring includes incremental risk management strategies undertaken by management, including more frequent portfolio reviews, ongoing monitoring of market conditions, and additional portfolio analysis, which may include monitoring concentration limitations, including concentrations by loan type, property type, geographic area and with participants, where applicable, and risk diversification, tracking aggregated policy and underwriting exceptions and stress testing the loan portfolios.

 

BOLI.

 

The Company indirectly utilizes the earnings on BOLI to offset the cost of the Company’s benefit plans. The cash surrender value of BOLI was $77.1 million and $75.1 million at December 31, 2024 and 2023, respectively, and was issued by eleven insurance companies rated investment grade or better.

 

Deposits.

 

At December 31, 2024, total deposits increased $118.9 million, or 5.6%, from $2.1 billion at December 31, 2023 to $2.3 billion. Core deposits, which the Company defines as all deposits except time deposits, increased $26.7 million, or 1.7%, from $1.5 billion, or 71.5% of total deposits, at December 31, 2023, to $1.6 billion, or 68.9% of total deposits, at December 31, 2024. Non-interest-bearing deposits decreased $14.0 million, or 2.4%, to $565.6 million, and represent 25.0% of total deposits, money market accounts increased $27.1 million, or 4.3%, to $661.5 million, savings accounts decreased $5.8 million, or 3.1%, to $181.6 million and interest-bearing checking accounts increased $19.3 million, or 14.7%, to $150.3 million.

 

Time deposits increased $92.2 million, or 15.1%, from $611.4 million at December 31, 2023 to $703.6 million at December 31, 2024. Brokered time deposits, which are included in time deposits, totaled $1.7 million at December 31, 2024 and at December 31, 2023. The Company has experienced growth and movement in both money market accounts and time deposits as a result of relationship pricing, the current interest rate environment, and customer behaviors, as opposed to time deposit specials or interest rate adjustments. We continue our disciplined and focused approach to core relationship management and customer outreach to meet funding requirements and liquidity needs, with an emphasis on retaining a long-term customer relationship base by competing for and retaining deposits in our local market. At December 31, 2024, the Bank’s uninsured deposits represented 28.4% of total deposits, compared to 26.8% at December 31, 2023.

 

Borrowed Funds.

 

At December 31, 2024, total borrowings decreased $33.4 million, or 21.3%, from $156.5 million at December 31, 2023 to $123.1 million. At December 31, 2024, short-term borrowings decreased $10.7 million, or 66.5%, to $5.4 million, compared to $16.1 million at December 31, 2023. Long-term borrowings decreased $22.6 million, or 18.8%, from $120.6 million at December 31, 2023 to $98.0 million at December 31, 2024. At December 31, 2024 and December 31, 2023, borrowings also consisted of $19.8 million and $19.7 million, respectively, in fixed-to-floating rate subordinated notes.

 

72 

 

 

The Company utilized the BTFP, which was created in March 2023 to enhance banking system liquidity by allowing institutions to pledge certain securities at par value and borrow at a rate of ten basis points over the one-year overnight index swap rate. The BTFP was available to federally insured depository institutions in the U.S., with advances having a term of up to one year with no prepayment penalties. The BTFP ceased extending new advances in March 2024. At December 31, 2023, the Company’s outstanding balance under the BTFP was $90.0 million. There was no outstanding balance under the BTFP at December 31, 2024.

 

As of December 31, 2024, the Company had $464.1 million of additional borrowing capacity at the Federal Home Loan Bank, $382.9 million of additional borrowing capacity under the Federal Reserve Bank Discount Window and $25.0 million of other unsecured lines of credit with correspondent banks.

 

Shareholders’ Equity.

 

At December 31, 2024, shareholders’ equity was $235.9 million, or 8.9% of total assets, compared to $237.4 million, or 9.3% of total assets, at December 31, 2023. The change was primarily attributable to an increase in accumulated other comprehensive loss of $1.5 million, cash dividends paid of $5.9 million, repurchase of shares at a cost of $7.8 million, partially offset by net income of $11.7 million. At December 31, 2024, total shares outstanding were 20,875,713.

 

The Company’s book value per share was $11.30 at December 31, 2024, compared to $10.96 at December 31, 2023, while tangible book value per share, a non-GAAP financial measure, increased $0.33, or 3.2%, from $10.30 at December 31, 2023 to $10.63 at December 31, 2024. Tangible book value is a Non-GAAP measure. For more information regarding the Company’s use of Non-GAAP financial measures see “Explanation of Use of Non-GAAP Financial Measurements.” As of December 31, 2024, the Company’s and the Bank’s regulatory capital ratios continued to exceed the levels required to be considered “well-capitalized” under federal banking regulations.

 

Assets under Management.

 

Total assets under management include loans serviced for others and investment assets under management. Loans serviced for others and investment assets under management are not carried as assets on the Company’s consolidated balance sheet, and as such, total assets under management is not a financial measurement recognized under GAAP, however, management believes its disclosure provides information useful in understanding the trends in total assets under management.

 

The Company provides a wide range of investment advisory and wealth management services through Westfield Investment Services through LPL Financial, a third-party broker-dealer. Investment assets under management increased $27.2 million, or 15.8%, to $199.3 million as of December 31, 2024, from $172.1 million as of December 31, 2023.

 

Comparison of Operating Results for Years Ended December 31, 2024 and 2023.

 

General.

 

For the twelve months ended December 31, 2024, the Company reported net income of $11.7 million, or $0.56 per diluted share, compared to $15.1 million, or $0.70 per diluted share, for the twelve months ended December 31, 2023. Net interest income decreased $8.1 million, or 11.9%, provision for credit losses decreased $1.5 million, non-interest income increased $2.0 million, or 18.4%, and non-interest expense increased $78,000, or 0.1%, during the same period in 2023. Return on average assets and return on average equity were 0.45% and 4.93% for the twelve months ended December 31, 2024, respectively, compared to 0.59% and 6.47% for the twelve months ended December 31, 2023, respectively.

 

Net Interest Income and Net Interest Margin.

 

During the twelve months ended December 31, 2024, net interest income decreased $8.1 million, or 11.9%, to $59.8 million, compared to $67.9 million for the twelve months ended December 31, 2023. The decrease in net interest income was primarily due to an increase in interest expense of $16.8 million, or 50.6%, partially offset by an increase in interest and dividend income of $8.7 million, or 8.6%.

 

73 

 

 

The net interest margin for the twelve months ended December 31, 2024 was 2.45%, compared to 2.82% for the twelve months ended December 31, 2023. The net interest margin, on a tax-equivalent basis, was 2.47% for the twelve months ended December 31, 2024, compared to 2.84% for the twelve months ended December 31, 2023.

 

The average yield on interest-earning assets, without the impact of tax-equivalent adjustments, increased 30 basis points from 4.20% for the twelve months ended December 31, 2023 to 4.50% for the twelve months ended December 31, 2024. The average yield on loans, without the impact of tax-equivalent adjustments, increased 32 basis points from 4.54% for the twelve months ended December 31, 2023 to 4.86% for the twelve months ended December 31, 2024. During the twelve months ended December 31, 2024, average interest-earning assets increased $33.5 million, or 1.4%, to $2.4 billion, compared to the twelve months ended December 31, 2023, primarily due to an increase in average loans of $29.0 million, or 1.4%, an increase in average short-term investments, consisting of cash and cash equivalents, of $12.8 million, or 62.5%, and an increase in average other investments of $2.2 million, or 18.1%, partially offset by a decrease in average securities of $10.6 million, or 2.9%.

 

During the twelve months ended December 31, 2024, the average cost of funds, including non-interest-bearing demand accounts and borrowings, increased 70 basis points from 1.44% for the twelve months ended December 31, 2023 to 2.14%. For the twelve months ended December 31, 2024, the average cost of core deposits, including non-interest-bearing demand deposits, increased 24 basis points from 0.65% for the twelve months ended December 31, 2023, to 0.89%. The average cost of time deposits increased 129 basis points from 3.03% for the twelve months ended December 31, 2023 to 4.32% for the twelve months ended December 31, 2024. The average cost of borrowings, which include borrowings and subordinated debt, increased 16 basis points from 4.84% for the twelve months ended December 31, 2023 to 5.00% for the twelve months ended December 31, 2024.

 

For the twelve months ended December 31, 2024, average demand deposits, an interest-free source of funds, decreased $41.4 million, or 6.9%, from $602.7 million, or 27.8% of total average deposits, for the twelve months ended December 31, 2023, to $561.3 million, or 25.8% of total average deposits.

 

Provision for 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.

 

During the twelve months ended December 31, 2024, the Company recorded a reversal of credit losses of $665,000, compared to a provision for credit losses of $872,000 during the twelve months ended December 31, 2023. The decrease in reserves was primarily due to changes in the economic environment and related adjustments to the quantitative components of the CECL methodology. During the twelve months ended December 31, 2024, the Company recorded net recoveries of $87,000, compared to net charge-offs of $2.0 million for the twelve months ended December 31, 2023. The charge-offs during the twelve months ended December 31, 2023 were related to one commercial relationship acquired in October 2016 from Chicopee Bancorp, Inc. Specifically, the Company recorded a $1.9 million charge-off on the acquired commercial relationship, which 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.

 

The decrease in the provision for credit losses was primarily due to changes in the loan mix as well as 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 reserved for the current economic environment.

 

74 

 

 

Although management believes it has established and maintained the allowance for credit losses at appropriate levels for the current economic environment and supportable forecast period, future adjustments may be necessary if economic, real estate and other conditions differ substantially from the current operating environment.

 

Non-Interest Income.

 

For the twelve months ended December 31, 2024, non-interest income increased $2.0 million, or 18.4%, from $10.9 million for the twelve months ended December 31, 2023 to $12.9 million. During the twelve months ended December 31, 2023, the Company recorded a non-recurring final termination expense of $1.1 million related to the defined benefit pension plan termination. During the twelve months ended, December 31, 2023, the Company also recorded a non-taxable gain of $778,000 on BOLI death benefits and did not have a comparable gain during the twelve months ended December 31, 2024. Excluding the defined benefit pension plan termination expense and the BOLI death benefit, non-interest income increased $1.6 million, or 14.6%.

 

During the twelve months ended December 31, 2024, service charges and fees increased $346,000, or 3.9%, and income from BOLI increased $91,000, or 5.0%, from $1.8 million for the twelve months ended December 31, 2023 to $1.9 million. During the twelve months ended December 31, 2024, the Company recorded other income from loan-level swap fees on commercial loans of $261,000 and did not have comparable income during the twelve months ended December 31, 2023. During the twelve months ended December 31, 2024, the Company reported a gain of $1.3 million on non-marketable equity investments, compared to a gain of $590,000 during the twelve months ended December 31, 2023. During the twelve months ended December 31, 2024, the Company reported a loss on the disposal of premises and equipment of $6,000, compared to a loss of $3,000 during the twelve months ended December 31, 2023. During the twelve months ended December 31, 2023, the Company also reported unrealized losses on marketable equity securities of $1,000, compared to unrealized gains on marketable equity securities of $13,000 during the twelve months ended December 31, 2024.

 

Non-Interest Expense.

 

For the twelve months ended December 31, 2024, non-interest expense increased $78,000, or 0.1%, to $58.4 million from the twelve months ended December 31, 2023. During the twelve months ended December 31, 2023, the Company reached an agreement-in-principle to settle purported class action lawsuits concerning the Company’s deposit products and related disclosures, specifically involving overdraft fees and insufficient funds fees. This agreement-in-principle reflects our business decision to avoid the costs, uncertainties and distractions of further litigation. Excluding the legal settlement accrual of $510,000, non-interest expense increased $588,000, or 1.0%, from $57.8 million for the twelve months ended December 31, 2023 to $58.4 million for the twelve months ended December 31, 2024.

 

During the same period, salaries and related benefits increased $472,000, or 1.5%, software expenses increased $208,000, or 9.0%, data processing expense increased $320,000, or 10.1%, debit card processing and ATM network costs increased $298,000, or 13.9%, occupancy expense increased $146,000, or 3.0%, due to higher repair and maintenance costs, real estate taxes, and depreciation expense. FDIC insurance expense increased $139,000, or 10.5%. These increases were partially offset by a decrease in professional fees of $571,000, or 20.9%, which is comprised of legal fees, audit and other professional fees. During the three months ended December 31, 2023, professional fees included legal fees related to the settlement of the purported class action lawsuits. Advertising expense decreased $226,000, or 15.1%, and other non-interest expense, excluding the $510,000 legal settlement accrual, decreased $199,000, or 3.5%.

 

For the twelve months ended December 31, 2024, the efficiency ratio was 80.4%, compared to 74.0% for the twelve months ended December 31, 2023. For the twelve months ended December 31, 2024, the adjusted efficiency ratio, a non-GAAP financial measure, was 81.8%, compared to 74.3% for the twelve months ended December 31, 2023. For more information regarding the Company’s use of Non-GAAP financial measures see “Explanation of Use of Non-GAAP Financial Measurements.”

 

75 

 

Income Taxes.

 

For the twelve months ended December 31, 2024, income tax expense was $3.3 million, with an effective tax rate of 22.0%, compared to $4.5 million, with an effective tax rate of 23.1%, for twelve months ended December 31, 2023. The decrease in income tax expense for the twelve months ended December 31, 2024 compared to the twelve months December 31, 2023 was due to lower income before taxes in 2024.

 

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 also can borrow funds from the FHLB 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

 

The Company, on an ongoing basis, closely monitors the Company’s liquidity position for compliance with internal policies, and believes that available sources of liquidity are adequate to meet funding needs in the normal course of business. As part of that monitoring process, the Company stresses the potential liabilities calculation to ensure a strong liquidity position. Included in the calculation are assumptions of some significant deposit run-off as well as funds needed for loan closing and investment purchases. The Company does not anticipate engaging in any activities, either currently or over the long-term, for which adequate funding would not be available and which would therefore result in significant pressure on liquidity. However, an economic recession could negatively impact the Company’s liquidity. The Bank relies heavily on FHLB as a source of funds, particularly with its overnight line of credit. In past economic recessions, some FHLB branches have suspended dividends, cut dividend payments, and not bought back excess FHLB stock that members hold in an effort to conserve capital. FHLB has stated that it expects to be able to continue to pay dividends, redeem excess capital stock, and provide competitively priced advances in the future.

 

At December 31, 2024 and December 31, 2023, outstanding borrowings from the FHLB were $98.0 million and $40.6 million, respectively. At December 31, 2024, we had $464.1 million in available borrowing capacity with the FHLB. We have the ability to increase our borrowing capacity with the FHLB by pledging investment securities or additional loans.

 

The Company has an available line of credit of $382.9 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 eligible loan collateral and securities from the Company’s investment portfolio not otherwise pledged. As of December 31, 2024 and December 31, 2023, there were no advances outstanding under either of these lines.

 

On March 12, 2023, the FRB made available the BTFP, which enhanced the ability of banks to borrow greater amounts against certain high-quality, unencumbered investments at par value. During the year ended December 31, 2023, the Company participated in the BTFP, which enabled the Company to pay off higher rate FHLB advances. At December 31, 2023, long-term debt included $90.0 million in outstanding advances under the BTFP with a weighted average fixed rate of 4.71%. There were no advances outstanding with the FRB under the BTFP at December 31, 2024.

 

In addition, we have 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 December 31, 2024 and 2023, 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 and are obligated under leases for certain of our branches and equipment.

 

76 

 

 

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. During the year ended December 31, 2023, we originated $336.4 million in loans, compared to $225.6 million in 2023. During the year ended December 31, 2024, total loans increased $42.9 million, or 2.1%, compared to an increase of $35.9 million, or 1.8%, for the year ended December 31, 2023. At December 31, 2024, the Company had approximately $122.4 million in loan commitments and letters of credit to borrowers and approximately $343.1 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 December 31, 2024, time deposit accounts scheduled to mature within one year totaled $694.9 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 December 31, 2024, the Company and the Bank exceeded each of the applicable regulatory capital requirements (See Note 13, Regulatory Capital, to our consolidated financial statements 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 December 31, 2024 were estimated to be $7.1 million, with $6.1 million expected to be paid within one year and the remaining $1.0 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 fourteen years, some of which include options to extend the leases for additional five-year terms up to ten years. Undiscounted lease liabilities totaled $8.9 million as of December 31, 2024. Principal payments expected to be made on our lease liabilities during the twelve months ended December 31, 2025 were $1.5 million. The remaining lease liability payments totaled $7.4 million and are expected to be made after December 31, 2025 (See Note 12, Leases, to our consolidated financial statements for further information on our lease obligations).

 

In addition, the Company completed an offering of $20 million in aggregate principal amount of its 4.875% 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 December 31, 2024, $19.8 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 (See Note 8, Long-Term Debt, to our consolidated financial statements for further information on our long-term debt).

 

We do not anticipate any material capital expenditures during the calendar year 2025, 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.

 

77 

 

 

Off-Balance Sheet Arrangements.

 

The Company does not have any off-balance sheet arrangements, other than noted above and in Note 16, Commitments and Contingencies, to our consolidated financial statements, 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.

 

Management of Market Risk.

 

As a financial institution, our primary market risk is interest rate risk since substantially all transactions are denominated in U.S. dollars with no direct foreign exchange or changes in commodity price exposure. Fluctuations in interest rates will affect both our level of income and expense on a large portion of our assets and liabilities. Fluctuations in interest rates will also affect the market value of all interest-earning assets and interest-bearing liabilities.

 

The Company’s interest rate management strategy is to limit fluctuations in net interest income as interest rates vary up or down and control variations in the market value of assets, liabilities and net worth as interest rates vary. We seek to coordinate asset and liability decisions so that, under changing interest rate scenarios, net interest income will remain within an acceptable range.

 

In order to achieve the Company’s objectives of managing interest rate risk, the Asset and Liability Management Committee (“ALCO”) meets periodically to discuss and monitor the market interest rate environment relative to interest rates that are offered on our products. ALCO presents quarterly reports to the Board which includes the Company’s interest rate risk position and liquidity position.

 

The Company’s primary source of funds are deposits, consisting primarily of time deposits, money market accounts, savings accounts, demand accounts and interest-bearing checking accounts, which have shorter terms to maturity than the loan portfolio. Several strategies have been employed to manage the interest rate risk inherent in the asset/liability mix, including but not limited to:

 

●maintaining the diversity of our existing loan portfolio through residential real estate loans, commercial and industrial loans and commercial real estate loans;

 

●emphasizing investments with an expected average duration of five years or less; and

 

●when appropriate, using interest rate swaps to manage the interest rate position of the balance sheet.

 

In 2024, cash flows from deposit inflows were used to first to fund loan growth, and then to purchase securities, primarily AFS securities. While net loan growth during 2024 was centered in residential real estate loans, the Company’s long-term focus continues to be on growing commercial loans that present the appropriate levels of risk and return. Commercial loans typically have variable interest rates and shorter maturities than residential loans.

 

The actual amount of time before loans are repaid can be significantly affected by changes in market interest rates. Prepayment rates will also vary due to a number of other factors, including the regional economy in the area where the loans were originated, seasonal factors, demographic variables and the assumability of the loans. However, the major factors affecting prepayment rates are prevailing interest rates, related financing opportunities and competition. We monitor interest rate sensitivity so that we can adjust our asset and liability mix in a timely manner and minimize the negative effects of changing rates.

 

The Company’s liquidity sources are vulnerable to various uncertainties beyond our control. Loan amortization and investment cash flows are a relatively stable source of funds, while loan and investment prepayments and calls, as well as deposit flows vary widely in reaction to market conditions, primarily prevailing interest rates. Asset sales are influenced by pledging activities, general market interest rates and unforeseen market conditions. Our financial condition is affected by our ability to borrow at attractive rates, retain deposits at market rates and other market conditions. We consider our sources of liquidity to be adequate to meet expected funding needs and also to be responsive to changing interest rate markets.

 

78 

 

Interest Rate Risk.

 

Interest rate risk represents the sensitivity of earnings to changes in market interest rates. As interest rates change, the interest income and expense streams associated with our financial instruments also change, thereby impacting net interest income, the primary component of our earnings. ALCO utilizes the results of a detailed and dynamic simulation model to quantify the estimated exposure of net interest income to sustained interest rate changes. While ALCO routinely monitors simulated net interest income sensitivity over a rolling two-year horizon, they also utilize additional tools to monitor potential longer-term interest rate risk.

 

The simulation model captures the impact of changing interest rates on the interest income received and interest expense paid on all interest-earning assets and interest-bearing liabilities reflected on our consolidated balance sheet, as well as for derivative financial instruments. This sensitivity analysis is compared to ALCO policy limits, which specify a maximum tolerance level for net interest income exposure over a one and two-year horizon, assuming no balance sheet growth.

 

The repricing and/or new rates of assets and liabilities moved in tandem with market rates. However, in certain deposit products, the use of data from a historical analysis indicated that the rates on these products would move only a fraction of the rate change amount. Pertinent data from each loan account, deposit account and investment security was used to calculate future cash flows. The data included such items as maturity date, payment amount, next repricing date, repricing frequency, repricing index, repricing spread, caps and floors. Prepayment speed assumptions were based upon the difference between the account rate and the current market rate. We also evaluate changes in interest rate sensitivity under various scenarios including but not limited to nonparallel shifts in the yield curve, variances in prepayment speeds and variances to correlations of instrument rates to market indexes.

 

The table below shows our net interest income sensitivity analysis reflecting the following changes to net interest income for the first and second years of the simulation model. The analysis assumes no balance sheet growth, a parallel shift in interest rates, and all rate changes were “ramped” over the first 12-month period and then maintained at those levels over the remainder of the simulation horizon.

 

    Estimated Changes in Net Interest Income
Changes in Interest Rates  

At

December 31, 2024

  

At

December 31, 2023

1 – 12 Months        
UP 200 basis points   -4.4%   -4.1%
DOWN 200 basis points   3.9%   3.4%
         
13 – 24 Months        
UP 200 basis points     7.5%     -0.4%
DOWN 200 basis points   24.6%   23.3%
________________________        

 

The preceding sensitivity analysis does not represent a forecast of net interest income, nor do the calculations represent any actions that management may undertake in response to changes in interest rates. They should not be relied upon as being indicative of expected operating results. These hypothetical estimates are based upon numerous assumptions including, among others, the nature and timing of interest rate levels, yield curve shape, prepayments on loans and securities, deposit decay rates, pricing decisions on loans and deposits and reinvestment/replacement of asset and liability cash flows. While assumptions are developed based upon current economic and local market conditions, we cannot make any assurances as to the predictive nature of these assumptions, including how customer preferences or competitor influences might change.

 

Periodically, if deemed appropriate, we may use interest rate swaps, floors and caps, which are common derivative financial instruments, to hedge our interest rate exposure to interest rate movements. The Board has approved hedging policy statements governing the use of these instruments. These interest rate swaps are designated as cash flow hedges and involve the receipt of variable rate amounts from a counterparty in exchange for our making fixed payments.

 

79 

 

Recent Accounting Pronouncements.

 

Refer to Note 1 to our consolidated financial statements for a summary of the recent accounting pronouncements.

 

Impact of Inflation and Changing Prices.

 

The Company’s consolidated financial statements and accompanying notes have been prepared in accordance with GAAP. GAAP generally requires the measurement of financial position and operating results in terms of historical dollars without consideration for changes in the relative purchasing power of money over time due to inflation. The impact of inflation is reflected in the increased cost of our operations. Unlike industrial companies, our assets and liabilities are primarily monetary in nature. As a result, changes in market interest rates have a greater impact on performance than do the effects of inflation.

 

ITEM 7A.QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK.

 

See Item 7, “Management’s Discussion and Analysis of Financial Condition and Results of Operations-Management of Market Risk,” for a discussion of quantitative and qualitative disclosures about market risk.

 

ITEM 8.FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

 

Our consolidated financial statements and the accompanying notes may be found on pages F-1 through F-59 of this report.

 

ITEM 9.CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE.

 

None.

 

ITEM 9A.CONTROLS AND PROCEDURES.

 

Evaluation of Disclosure Controls and Procedures

 

Management, including our President and Chief Executive Officer and Executive Vice President 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 that evaluation, our Chief Executive Officer and Executive Vice President 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 Exchange Act (i) is recorded, processed, summarized and reported as and when required and (ii) accumulated and communicated to our management including the Chief Executive Officer and Executive Vice President and Chief Financial Officer, as appropriate to allow timely discussion regarding required disclosure.

 

Management’s Annual Report on Internal Control over Financial Reporting

 

The management of Western New England Bancorp, Inc. and subsidiaries (collectively, the “Company”), including our President and Chief Executive Officer and Executive Vice President and Chief Financial Officer, is responsible for establishing and maintaining adequate internal control over financial reporting, as defined in Rule 13a-15(f) of the Exchange Act. Our management assessed the effectiveness of our internal control over financial reporting as of December 31, 2024 based on the criteria set forth by the Committee of Sponsoring Organizations of the Treadway Commission in Internal Control-Integrated Framework (2013). Based on this assessment, management concluded that our internal control over financial reporting was effective as of December 31, 2024.

 

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 has materially affected, or that is reasonably likely to materially affect, our internal control over financial reporting.

 

80 

 

Report of Independent Registered Public Accounting Firm

 

To the Shareholders and Board of Directors of Western New England Bancorp, Inc.

 

Opinion on Internal Control over Financial Reporting

 

We have audited Western New England Bancorp, Inc. and subsidiaries’ (the “Company”) internal control over financial reporting as of December 31, 2024, based on criteria established in Internal Control — Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission (“COSO”). In our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of December 31, 2024, based on criteria established in Internal Control — Integrated Framework (2013) issued by the COSO.

 

We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (“PCAOB”), the consolidated financial statements of the Company and our report dated March 10, 2025 expressed an unqualified opinion.

 

Basis for Opinion

 

The Company’s management is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal control over financial reporting included in the accompanying Management’s Annual Report on Internal Control over Financial Reporting. Our responsibility is to express an opinion on the Company’s internal control over financial reporting based on our audit. We are a public accounting firm registered with the PCAOB and are required to be independent with respect to the Company in accordance with U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

 

We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material respects. Our audit included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control based on the assessed risk. Our audit also included performing such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion.

 

81 

 

Definition and Limitations of Internal Control over Financial Reporting

 

A company’s internal control over financial reporting is a process designed 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. A company’s internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of the company’s assets that could have a material effect on the financial statements.

 

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

 

/s/ Wolf & Company, P.C.

 

Boston, Massachusetts

March 10, 2025

 

82 

 

ITEM 9B.OTHER INFORMATION.

 

During the quarter ended December 31, 2024, no director or officer of the Company adopted or terminated any Rule 10b5-1 trading arrangements or non-Rule 10b5-1 trading arrangements.

 

ITEM 9C.DISCLOSURE REGARDING FOREIGN JURISDICTIONS THAT PREVENT INSPECTIONS.

 

Not applicable.

 

PART III

 

ITEM 10.DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE.

 

The Company has an insider trading policy and procedures governing the purchase, sale and/or other dispositions of the Company’s securities that applies to all directors, officers, employees and certain other persons. It is also the Company’s policy to take appropriate steps to comply with applicable federal and state securities laws and regulations, as well as applicable stock exchange listing standards, when the Company engages in transactions in the Company’s securities. The Company believes that its insider trading policy and procedures are reasonably designed to promote compliance with insider trading laws, rules and regulations, and listing standards applicable to the Company. A copy of the Company’s insider trading policy is filed as Exhibit 19.1 to this Report. The remaining information required by this item will be included in the Proxy Statement under “Corporate Governance” and is incorporated herein by reference.

 

The following information included in the Proxy Statement is incorporated herein by reference: “Information About Our Board of Directors,” “Information About Our Executive Officers Who Are Not Directors,” and “Corporate Governance.”

 

ITEM 11.EXECUTIVE COMPENSATION.

 

The following information included in the Proxy Statement is incorporated herein by reference: “Compensation Committee Interlocks and Insider Participation,” “Compensation Discussion and Analysis,” “Compensation Committee Report,” “Executive Compensation” and “Director Compensation.”

 

ITEM 12.SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED SHAREHOLDER MATTERS.

 

The following information included in the Proxy Statement is incorporated herein by reference: “Security Ownership of Certain Beneficial Owners and Management” and “Securities Authorized For Issuance Under Equity Compensation Plans.”

 

ITEM 13.CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE.

 

The following information included in the Proxy Statement is incorporated herein by reference: “Transactions with Related Persons” and “Board of Directors Independence.”

 

ITEM 14.PRINCIPAL ACCOUNTING FEES AND SERVICES.

 

The following information included in the Proxy Statement is incorporated herein by reference: “Independent Registered Public Accounting Firm Fees and Services.” Our independent registered public accounting firm is Wolf & Company, P.C., Boston, Massachusetts, Auditor ID: 392.

 

83 

 

 

PART IV

 

ITEM 15.EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.

 

(a)(1)Financial Statements

Reference is made to our consolidated financial statements and accompanying notes included in Item 8 of Part II hereof.

 

(a)(2)Financial Statement Schedules

Consolidated financial statement schedules have been omitted because the required information is not present, or not present in amounts sufficient to require submission of the schedules, or because the required information is provided in the consolidated financial statements or notes thereto.

 

84 

 

(a)(3)Exhibits

 

EXHIBIT INDEX

 

3.1 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).
3.2   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 on Form S-1 (No. 333-137024) filed with the SEC on August 31, 2006).
4.2†

Description of Securities Registered Under Section 12 of the Securities Exchange Act of 1934.

10.1* Form of Director’s Deferred Compensation Plan (incorporated by reference to Exhibit 10.7 of the Form 8-K filed with the SEC on December 22, 2005).
10.2* Amended and Restated Benefit Restoration Plan of Western New England Bancorp, Inc. (f/k/a Westfield Financial, Inc.) (incorporated by reference to Exhibit 10.5 of the Form 8-K filed with the SEC on October 29, 2007).
 10.3* Amended and Restated Employment Agreement between James C. Hagan and Westfield Bank (incorporated by reference to Exhibit 10.9 of the Form 8-K filed with the SEC on January 5, 2009).
 10.4* Amended and Restated Employment Agreement between James C. Hagan and Western New England Bancorp, Inc. (f/k/a Westfield Financial, Inc.) (incorporated by reference to Exhibit 10.12 of the Form 8-K filed with the SEC on January 5, 2009).
 10.5* Employment Agreement between Leo R. Sagan, Jr. and Westfield Bank (incorporated by reference to Exhibit 10.15 of the Form 8-K filed with the SEC on January 5, 2009).
 10.6* Employment Agreement between Leo R. Sagan, Jr. and Western New England Bancorp, Inc. (f/k/a Westfield Financial, Inc.) (incorporated by reference to Exhibit 10.16 of the Form 8-K filed with the SEC on January 5, 2009).
10.7* Employment Agreement between Allen J. Miles, III and Westfield Bank (incorporated by reference to Exhibit 10.19 of the Form 8-K filed with the SEC on January 5, 2009).
10.8* Employment Agreement between Allen J. Miles, III and Western New England Bancorp, Inc. (f/k/a Westfield Financial, Inc.) (incorporated by reference to Exhibit 10.20 of the Form 8-K filed with the SEC on January 5, 2009).
10.9* Employment Agreement between Darlene M. Libiszewski and Western New England Bancorp, Inc. (f/k/a Westfield Financial, Inc.) (incorporated by reference to Exhibit 10.4 of the Registration Statement on Form S-4 (No. 333-212221) filed with the SEC on June 24, 2016).
10.10* Employment Agreement between Darlene M. Libiszewski and Westfield Bank (incorporated by reference to Exhibit 10.5 of the Registration Statement on Form S-4 (No. 333-212221) filed with the SEC on June 24, 2016).
10.11* Employment Agreement between Guida R. Sajdak and Western New England Bancorp (incorporated by reference to Exhibit 10.1 of the Form 8-K filed with the SEC on February 8, 2018).
10.12* Employment Agreement between Guida R. Sajdak and Westfield Bank (incorporated by reference to Exhibit 10.2 of the Form 8-K filed with the SEC on February 8, 2018).
10.13* Employment Agreement between Kevin C. O’Connor and Westfield Bank dated February 17, 2017 (incorporated by reference to Exhibit 10.20 of the Form 10-K filed with the SEC on March 11, 2021).
10.14* Employment Agreement between Kevin C. O’Connor and Western New England Bancorp, Inc. dated February 17, 2017 (incorporated by reference to Exhibit 10.21 of the Form 10-K filed with the SEC on March 11, 2021).
10.15* Employment Agreement between John Bonini and Western New England Bancorp dated February 22, 2024 (incorporated by reference to Exhibit 10.16 of the Form 10-K filed with the SEC on March 8, 2024).
10.16* Employment Agreement between John Bonini and Westfield Bank dated February 22, 2024 (incorporated by reference to Exhibit 10.17 of the Form 10-K filed with the SEC on March 8, 2024).

 

85 

 

 

10.17* Employment Agreement between Christine Phillips and Western New England Bancorp dated as of February 22, 2024(incorporated by reference to Exhibit 10.19 of the Form 10-K filed with the SEC on March 8, 2024).
10.18* Employment Agreement between Christine Phillips and Westfield Bank dated as of February 22, 2024(incorporated by reference to Exhibit 10.20 of the Form 10-K filed with the SEC on March 8, 2024).
10.19* Employment Agreement between Filipe B. Goncalves and Western New England Bancorp dated as of January 1, 2021 (incorporated by reference to Exhibit 10.19 of the Form 10-K filed with the SEC on March 10, 2023).
10.20* Employment Agreement between Filipe B. Goncalves and Westfield Bank dated as of January 1, 2021 (incorporated by reference to Exhibit 10.20 of the Form 10-K filed with the SEC on March 10, 2023).
10.21* Change of Control Agreement between Daniel A. Marini, Westfield Bank and Western New England Bancorp, Inc. dated as of January 1, 2022 (incorporated by reference to Exhibit 10.21 of the Form 10-K filed with the SEC on March 10, 2023).
10.22* Western New England Bancorp, Inc. 2021 Omnibus Incentive Plan (incorporated by reference to Exhibit 10.1 of the Form S-8 filed with the SEC on May 19, 2021).
10.23* Form of Incentive Stock Option Agreement under the Western New England Bancorp, Inc. 2021 Omnibus Incentive Plan (incorporated by reference to Exhibit 10.2 of the Form S-8 filed with the SEC on May 19, 2021).
10.24* Form of Non-Qualified Stock Option Agreement under the Western New England Bancorp, Inc. 2021 Omnibus Incentive Plan (incorporated by reference to Exhibit 10.3 of the Form S-8 filed with the SEC on May 19, 2021).
10.25* Form of Director Incentive Award Agreement under the Western New England Bancorp, Inc. 2021 Omnibus Incentive Plan (incorporated by reference to Exhibit 10.4 of the Form S-8 filed with the SEC on May 19, 2021).
10.26* Form of Restricted Stock Award Agreement under the Western New England Bancorp, Inc. 2021 Omnibus Incentive Plan (incorporated by reference to Exhibit 10.5 of the Form S-8 filed with the SEC on May 19, 2021).
10.27* Form of Long-Term Incentive and Retention Equity Award Agreement under the Western New England Bancorp, Inc. 2021 Omnibus Incentive Plan (incorporated by reference to Exhibit 10.6 of the Form S-8 filed with the SEC on May 19, 2021).
19.1† Western New England Bancorp, Inc. Insider Trading Policy as Adopted by the Board of Directors on February 25, 2025.
21.1† Subsidiaries of Western New England Bancorp, Inc.
23.1† Consent of Wolf & Company, P.C.
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.
97* Western New England Bancorp, Inc. Incentive Compensation Recovery Policy as Adopted by the Board of Directors on November 20, 2023 (incorporated by reference to Exhibit 97 of the Form 10-K filed with the SEC on March 8, 2024).
101** Financial statements from the annual report on Form 10-K of Western New England Bancorp, Inc. for the year ended December 31, 2024, formatted in 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 Changes in 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.

*Management contract or compensatory plan or arrangement.

 

86 

 

 

**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 Exchange Act of 1934, as amended, and otherwise are not subject to liability under those sections.

 

ITEM 16.FORM 10-K SUMMARY.

 

None.

 

87 

 

 

SIGNATURES

 

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized, on March 10, 2025.

 

  WESTERN NEW ENGLAND BANCORP, INC.
     
  By: /s/ James C. Hagan
    James C. Hagan
    Chief Executive Officer and President
    (Principal Executive Officer)
     
  By: /s/ Guida R. Sajdak
    Guida R. Sajdak
    Chief Financial Officer and Executive Vice President (Principal Financial Officer and Principal Accounting Officer)

 

 

 

POWER OF ATTORNEY

 

Each person whose individual signature appears below hereby authorizes and appoints James C. Hagan and Guida R. Sajdak, and each of them, with full power of substitution and resubstitution and full power to act without the other, as his or her true and lawful attorney-in-fact and agent to act in his or her name, place and stead and to execute in the name and on behalf of each person, individually and in each capacity stated below, and to file any and all amendments to this report on Form 10-K, and to file the same, with all exhibits thereto, and other documents in connection therewith, with the Securities and Exchange Commission, granting unto said attorneys-in-fact and agents, and each of them, full power and authority to do and perform each and every act and thing, ratifying and confirming all that said attorneys-in-fact and agents or any of them or their or his substitute or substitutes may lawfully do or cause to be done by virtue thereof.

 

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, this Annual Report on Form 10-K has been signed by the following persons on behalf of the registrant and in the capacities indicated on March 10, 2025.

 

Name 

  

Title 

     
/s/ James C. Hagan   Chief Executive Officer, President and Director
(Principal Executive Officer)
James C. Hagan    
     
/s/ Guida R. Sajdak   Chief Financial Officer and Executive Vice President
(Principal Financial Officer and Principal Accounting Officer)
Guida R. Sajdak    
     
/s/ Lisa G. McMahon   Chairperson of the Board
Lisa G. McMahon    
     
/s/ Laura Benoit   Director
Laura Benoit    
     
/s/ Donna J. Damon   Director
Donna J. Damon    
     
/s/ Gary G. Fitzgerald   Director
Gary G. Fitzgerald    
     
/s/ William D. Masse   Director
William D. Masse    
     
/s/ Gregg F. Orlen   Director
Gregg F. Orlen    
     
/s/ Paul C. Picknelly   Director
Paul C. Picknelly    

 

 

 

 

Name 

  

Title 

     
/s/ Steven G. Richter   Director
Steven G. Richter    
     
/s/ Philip R. Smith   Director
Philip R. Smith    
     

 

 

 

Report of Independent Registered Public Accounting Firm

 

To the Shareholders and Board of Directors of

Western New England Bancorp, Inc.

Opinion on the Consolidated Financial Statements

We have audited the accompanying consolidated balance sheets of Western New England Bancorp, Inc. and subsidiaries (the Company) as of December 31, 2024 and 2023, the related consolidated statements of net income, comprehensive income, changes in shareholders’ equity and cash flows for each of the three years in the period ended December 31, 2023, and the related notes to the consolidated financial statements (collectively referred to as the “financial statements”). In our opinion, the financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2024 and 2023, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2024, in conformity with accounting principles generally accepted in the United States of America.

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the Company’s internal control over financial reporting as of December 31, 2024, based on criteria established in Internal Control - Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO) and our report dated March 10, 2025 expressed an unqualified opinion on the effectiveness of the Company’s internal controls over financial reporting.

Change in Accounting Principle

As discussed in the financial statements, the Company changed its method of accounting for measurement and recognition of credit losses as of January 1, 2023 upon the adoption of Accounting Standards Codification Topic 326, Financial Instruments - Credit Losses (“ASC 326”).

Basis for Opinion

These financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on the Company's financial statements based on our audits. We are a public accounting firm registered with the PCAOB and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audits to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.

 

F-1
 

Critical Audit Matters

The critical audit matters communicated below are matters arising from the current period audit of the financial statements that was communicated or required to be communicated to the Company’s Audit Committee and that: (1) relate to accounts or disclosures that are material to the financial statements and (2) involved our especially challenging, subjective, or complex judgments. The communication of critical audit matters does not alter in any way our opinion on the financial statements, taken as a whole, and we are not, by communicating the critical audit matters below, providing separate opinions on the critical audit matters or on the accounts or disclosures to which they relate.

Allowance for Credit Losses – Loans Evaluated on a Pooled Basis

Critical Audit Matter Description

As described in Notes 1 and 3 to the financial statements, the Company has recorded an allowance for credit losses (ACL) for its loan portfolio in the amount of $19.5 million as of December 31, 2024, representing management’s estimate of credit losses over the remaining expected life of the Company’s loan portfolio as of that date. Management determined the amounts, and corresponding reversal for credit loss expense for the year, pursuant to the application of Accounting Standards Codification Topic 326, Financial Instruments – Credit Losses.

The Company’s methodology to determine its allowance for credit losses incorporates quantitative and qualitative assessments of its historical losses, current loan portfolio and economic conditions, the application of forecasted economic conditions, and related modeling. Management incorporates the use of third-party software to arrive at an expected life-of-loan loss amount based on discounted cash flow estimates at the loan level for material loan segments. The amount and timing of cash flows is determined using assumptions for probability of default and loss given default (PD/LGD); expected term; and forecasted economic factors. The results of these calculations are then qualitatively adjusted by management based on pool-specific attributes. We determined that performing procedures relating to these components of the Company’s methodology is a critical audit matter.

The principal considerations for our determination are (i) the application of significant judgment and estimation on the part of management, which in turn led to a high degree of auditor judgment and subjectivity in performing procedures and evaluating audit evidence obtained, and (ii) significant audit effort was necessary in evaluating management’s methodology, significant assumptions and calculations.

F-2
 

How the Critical Audit Matter was addressed in the Audit

Following are some of the primary procedures we performed to address this critical audit matter. We evaluated the design and tested the operating effectiveness of certain internal controls related to the Company’s measurement of the collectively evaluated ACL, including controls over the:

·Segmentation of loans into pools with similar risk characteristics
·Validation of the third-party model and recalculation of model results
·Role of peer loss data and the appropriate peer group
·Completeness and accuracy of loan data
·Evaluation of modeling assumptions including the economic factors indicative of expected losses, length of the forecast period, and expected term of loans
·Development of qualitative adjustments to model results

Addressing the above matters involved performing procedures and evaluating audit evidence in connection with forming our overall opinion on the consolidated financial statements.  These procedures included, among others, reviewing the Company’s procedures to validate the model, testing assumptions used in the calculation of discounted cash flows, testing management’s process for determining the qualitative reserve component, and testing the completeness and accuracy of data used in the model.

We have served as the Company's auditor since 2004.

Boston, Massachusetts

March 10, 2025

F-3
 
WESTERN NEW ENGLAND BANCORP, INC., AND SUBSIDIARIES
 CONSOLIDATED BALANCE SHEETS
 (Dollars in thousands, except share data)

 

   December 31,   December 31, 
   2024   2023 
ASSETS          
Cash and due from banks  $18,824   $20,784 
Federal funds sold   9,264    2,991 
Interest-bearing deposits and other short-term investments   38,362    5,065 
Total cash and cash equivalents   66,450    28,840 
Securities available-for-sale, at fair value   160,704    137,115 
Securities held-to-maturity, at amortized cost (Fair value of $165,606 at December 31, 2024 and $187,692 at December 31, 2023)   205,036    223,370 
Marketable equity securities, at fair value   397    196 
Total investment securities   366,137    360,681 
Federal Home Loan Bank stock and other restricted stock, at amortized cost   5,818    3,707 
Total Loans   2,070,189    2,027,317 
Less: Allowance for credit losses   (19,529)   (20,267)
Net loans   2,050,660    2,007,050 
Premises and equipment, net
   24,421    25,575 
Accrued interest receivable   8,468    8,528 
Bank-owned life insurance   77,056    75,145 
Deferred tax asset, net   13,997    13,636 
Goodwill   12,487    12,487 
Core deposit intangible   1,438    1,813 
Other assets   26,158    27,109 
TOTAL ASSETS  $2,653,090   $2,564,571 
LIABILITIES AND SHAREHOLDERS’ EQUITY          
Deposits:          
Non-interest-bearing deposits  $565,620   $579,594 
Interest-bearing deposits   1,697,027    1,564,150 
Total deposits   2,262,647    2,143,744 
Borrowings:          
Short-term borrowings   5,390    16,100 
Long-term debt   98,000    120,646 
Subordinated debt   19,751    19,712 
Total borrowings   123,141    156,458 
Securities pending settlement   8,622    — 
Other liabilities   22,770    26,960 
TOTAL LIABILITIES   2,417,180    2,327,162 
SHAREHOLDERS’ EQUITY:          
Preferred stock - $0.01 par value, 5,000,000 shares authorized, none outstanding at December 31, 2024 and December 31, 2023   —    — 
Common stock - $0.01 par value, 75,000,000 shares authorized, 20,875,713 shares issued and outstanding at December 31, 2024; 21,666,807 shares issued and outstanding at December 31, 2023   209    217 
Additional paid-in capital   119,326    125,448 
Unearned compensation – Employee Stock Ownership Plan (“ESOP”)   (1,906)   (2,394)
Unearned compensation - Equity Incentive Plan   (1,190)   (1,111)
Retained earnings   142,745    136,993 
Accumulated other comprehensive loss   (23,274)   (21,744)
TOTAL SHAREHOLDERS’ EQUITY   235,910    237,409 
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY  $2,653,090   $2,564,571 

 

See accompanying notes to consolidated financial statements.

F-4
 
WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF NET INCOME
(Dollars in thousands, except per share data)

 

                       
   Years Ended December 31, 
   2024   2023   2022 
Interest and dividend income:               
Residential and commercial real estate loans  $85,426   $77,964   $66,609 
Commercial and industrial loans   13,147    12,865    10,397 
Consumer loans   325    340    258 
Total interest income from loans   98,898    91,169    77,264 
Investment securities, taxable   8,633    8,241    8,095 
Investment securities, tax-exempt   3    7    11 
Marketable equity securities   13    122    190 
Total interest and dividend income from investment securities   8,649    8,370    8,296 
Other investments   687    558    177 
Short-term investments   1,598    1,021    191 
Total interest income from cash and cash equivalents   2,285    1,579    368 
Total interest and dividend income   109,832    101,118    85,928 
Interest expense:               
Deposits   42,236    26,649    5,352 
Short-term borrowings   600    1,589    330 
Long-term debt   6,164    3,957    — 
Subordinated debt   1,015    1,014    1,014 
Total interest expense   50,015    33,209    6,696 
 Net interest and dividend income   59,817    67,909    79,232 
(Reversal of) provision for credit losses   (665)   872    700 
Net interest and dividend income after (reversal of) provision for credit losses   60,482    67,037    78,532 
Non-interest income:               
Service charges and fees   9,202    8,856    9,072 
Income from bank-owned life insurance   1,911    1,820    1,725 
Bank-owned life insurance death benefit   —    778    — 
Loss on disposal of premises and equipment   (6)   (3)   — 
Loss on available-for-sale securities, net   —    —    (4)
Gain on sale of mortgages   235    —    2 
Net unrealized gain (loss) on marketable equity securities   13    (1)   (717)
Gain on non-marketable equity investments   1,287    590    422 
(Loss) gain on defined benefit plan termination   —    (1,143)   2,807 
Other income   261    —    25 
Total non-interest income   12,903    10,897    13,332 
Non-interest expense:               
Salaries and employee benefits   32,686    32,214    32,697 
Occupancy   5,054    4,908    4,984 
Furniture and equipment   1,955    1,954    2,026 
Data processing   3,477    3,157    2,885 
Software   2,519    2,311    2,074 
Debit card and ATM processing expense   2,437    2,139    1,948 
Professional fees   2,161    2,732    2,601 
FDIC insurance assessment   1,460    1,321    1,048 
Advertising   1,269    1,495    1,408 
Other expenses   5,410    6,119    5,564 
Total non-interest expense   58,428    58,350    57,235 
Income before income taxes   14,957    19,584    34,629 
Income tax provision   3,291    4,516    8,742 
Net income  $11,666   $15,068   $25,887 
                
Earnings per common share:               
Basic earnings per share  $0.56   $0.70   $1.18 
Weighted average basic shares outstanding   20,899,573    21,535,888    21,879,657 
Diluted earnings per share  $0.56   $0.70   $1.18 
Weighted average diluted shares outstanding   21,016,358    21,610,329    21,938,323 
Dividends per share  $0.28   $0.28   $0.24 

 

See accompanying notes to consolidated financial statements.

F-5
 

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
(Dollars in thousands)

 

                        
   Years Ended December 31, 
   2024   2023   2022 
Net income  $11,666   $15,068   $25,887 
                
Other comprehensive income (loss):               
Securities available-for-sale:               
Unrealized gain (loss)   (2,070)   2,993    (27,478)
Reclassification adjustment for amounts realized in income (1)   —    —    4 
Net amount   (2,070)   2,993    (27,474)
Tax effect   540    (775)   7,037 
Net-of-tax amount   (1,530)   2,218    (20,437)
                
Defined benefit pension plan:               
Gains arising during the period   —    358    13,000 
Reclassification adjustment for amounts realized in income (2)   —    1,143    (2,807)
Amortization of defined benefit plan actuarial loss (3)   —    —    531 
Net amount   —    1,501    10,724 
Tax effect   —    (421)   (3,015)
Net-of-tax amount   —    1,080    7,709 
                
Other comprehensive income (loss)   (1,530)   3,298    (12,728)
                
Comprehensive income  $10,136   $18,366   $13,159 

 

(1)Realized gains and losses on available-for-sale securities are recognized as a component of non-interest income in the consolidated statements of net income. The tax effects applicable to net realized gains were $1,000 for the year ended December 31, 2022. There were no tax effects applicable to net realized gains or losses for the years ended December 31, 2024 and 2023.
(2)Amounts represent the reclassification of defined benefit plan termination realized in income and have been recognized as a component of non-interest income. Income tax effects associated with the reclassification adjustments were $321,000 and $789,000 for the years ended December 31, 2023 and December 31, 2022, respectively. There were no tax effects applicable to reclassification adjustments for the year ended 2024.
(3)Amount represents the reclassification of defined benefit plan amortization and has been recognized as a component of non-interest expense. Income tax effects associated with the reclassification adjustment were $149,000 for the year ended December 31, 2022. There were no tax effects applicable to reclassification adjustments for the years ended 2024 and 2023.

 

See accompanying notes to consolidated financial statements. 

F-6
 
WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY
YEARS ENDED DECEMBER 31, 2024, 2023 AND 2022
(Dollars in thousands, except share data)

 

                                     
   Common Stock           Unearned       Accumulated     
   Shares   Par Value   Additional Paid-in Capital   Unearned Compensation- ESOP   Compensation- Equity Incentive Plan   Retained Earnings   Other Comprehensive Loss   Total 
BALANCE AT DECEMBER 31, 2021   22,656,515   $227   $132,821   $(3,441)  $(981)  $107,376   $(12,314)  $223,688 
Net income   —    —    —    —    —    25,887    —    25,887 
Comprehensive loss   —    —    —    —    —    —    (12,728)   (12,728)
Common stock held by ESOP committed to be released (78,526 shares)   —    —    148    535    —    —    —    683 
Forfeited equity incentive plan shares (24,440 shares)   —    —    (213)   —    213    —    —    — 
Common stock repurchased   (754,758)   (8)   (6,343)   —    —    —    —    (6,351)
Share-based compensation – equity incentive plan   —    —    (2)   —    1,076    —    —    1,074 
Issuance of common stock in connection with stock option exercises   177,881    2    1,169    —    —    —    —    1,171 
Issuance of common stock in connection with equity incentive plan   137,151    1    1,248    —    (1,249)   —    —    — 
Forfeited equity incentive plan shares reissued (7,289 shares)   —    —    71    —    (71)   —    —    — 
Cash dividends declared and paid on common stock ($0.24 per share)   —    —    —    —    —    (5,281)   —    (5,281)
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 
Net income   —    —    —    —    —    15,068    —    15,068 
Comprehensive income   —    —    —    —    —    —    3,298    3,298 
Common stock held by ESOP committed to be released (74,993 shares)   —    —    50    512    —    —    —    562 
Forfeited equity incentive plan shares (4,219 shares)   —    —    (40)   —    40    —    —    — 
Forfeited equity incentive plan shares reissued (22,503 shares)   —    —    207    —    (207)   —    —    — 
Common stock repurchased   (686,436)   (6)   (5,016)   —    —    —    —    (5,022)
Share-based compensation - equity incentive plan   —    —    —    —    1,417    —    —    1,417 
Issuance of common stock in connection with equity incentive plan   136,454    1    1,348    —    (1,349)   —    —    — 
Cash dividends declared and paid on common stock ($0.28 per share)   —    —    —    —    —    (6,066)   —    (6,066)
BALANCE AT DECEMBER 31, 2023   21,666,807   $217   $125,448   $(2,394)  $(1,111)  $136,993   $(21,744)  $237,409 
Net income   —    —    —    —    —    11,666    —    11,666 
Comprehensive loss   —    —    —    —    —    —    (1,530)   (1,530)
Common stock held by ESOP committed to be released (71,240 shares)   —    —    84    488    —    —    —    572 
Forfeited equity incentive plan shares (2,384 shares)   —    —    (20)   —    20    —    —    — 
Forfeited equity incentive plan shares reissued (4,219 shares)   —    —    35    —    (35)   —    —    — 
Common stock repurchased   (973,924)   (10)   (7,752)   —    —    —    —    (7,762)
Share-based compensation - equity incentive plan   —    —    —    —    1,469    —    —    1,469 
Issuance of common stock in connection with equity incentive plan   182,830    2    1,531    —    (1,533)   —    —    — 
Cash dividends declared and paid on common stock ($0.28 per share)   —    —    —    —    —    (5,914)   —    (5,914)
BALANCE AT DECEMBER 31, 2024   20,875,713   $209   $119,326   $(1,906)  $(1,190)  $142,745   $(23,274)  $235,910 

 

See accompanying notes to 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.

 

F-7
 
WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS
(Dollars in thousands)

 

                       
   Years Ended December 31, 
   2024   2023   2022 
CASH FLOWS FROM OPERATING ACTIVITIES:               
Net income  $11,666   $15,068   $25,887 
Adjustments to reconcile net income to net cash provided by (used in) operating activities:               
(Reversal of) provision for credit losses   (665)   872    700 
Depreciation and amortization of premises and equipment   2,230    2,219    2,312 
Net (accretion) amortization of purchase accounting adjustments   (39)   95    (135)
Amortization of core deposit intangible   375    375    375 
Net amortization of premiums and discounts on securities and mortgage loans   1,187    1,267    1,553 
Net amortization of deferred costs on mortgage loans   490    497    681 
Net amortization of premiums on subordinated debt   39    39    40 
Share-based compensation expense   1,469    1,417    1,074 
ESOP expense   572    562    683 
Gain on sale of portfolio mortgages   (235)   —    — 
Principal balance of loans originated for sale   —    —    (277)
Principal balance of loans sold   —    —    277 
Net change in unrealized (gain) loss on marketable equity securities   (13)   1    717 
Net loss on sales of available-for-sale securities   —    —    4 
Loss on disposal of premises and equipment   6    3    — 
Gain on bank-owned life insurance death benefit   —    (778)   — 
Deferred income tax provision   178    191    1,088 
Income from bank-owned life insurance   (1,911)   (1,820)   (1,725)
Net change in:               
Accrued interest receivable   60    (388)   (365)
Other assets   133    (968)   (4,218)
Other liabilities   (3,372)   (3,879)   8,099 
Net cash provided by operating activities   12,170    14,773    36,770 
                
CASH FLOWS FROM INVESTING ACTIVITIES:               
 Purchases of securities held-to-maturity   (1,100)   (7,701)   (28,030)
 Proceeds from calls, maturities, and principal collections of securities held-to-maturity   19,022    14,090    19,650 
Purchases of securities available-for-sale   (32,945)   (196)   (5,000)
Proceeds from calls, maturities, and principal collections of securities available-for-sale   14,804    12,047    23,664 
Proceeds from redemption and sales of marketable equity securities   —    6,237    5,131 
Net loan originations and principal payments   (63,475)   (37,023)   (127,823)
Purchase of Federal Home Loan Bank of Boston stock   (2,111)   (355)   (758)
Proceeds from sale of portfolio mortgages   20,333    —    — 
Purchases of premises and equipment   (1,196)   (2,902)   (1,143)
Proceeds from sale of premises and equipment   74    18    — 
Proceeds from payout on bank-owned life insurance   —    2,079    2,435 
Net cash used in investing activities   (46,594)   (13,706)   (111,874)
                
CASH FLOWS FROM FINANCING ACTIVITIES:               
Net increase (decrease) in deposits   118,903    (85,699)   (27,427)
Decrease in short-term borrowings   (10,710)   (25,250)   41,350 
Repayment of long-term debt   (120,646)   (532)   (1,472)
Proceeds from long-term debt   98,000    120,000    — 
Cash dividends paid   (5,914)   (6,066)   (5,281)
Repurchase of common stock   (7,599)   (5,022)   (6,351)
Issuance of common stock in connection with stock option exercises   —    —    1,171 
Net cash provided by (used in) financing activities   72,034    (2,569)   1,990 
                
NET CHANGE IN CASH AND CASH EQUIVALENTS:   37,610    (1,502)   (73,114)
Beginning of year   28,840    30,342    103,456 
End of year  $66,450   $28,840   $30,342 
                
Supplemental cash flow information:               
Available-for-sale securities purchases pending settlement  $8,459   $—   $— 
Net change in due to broker for common stock repurchased   163    —    — 

 

See the accompanying notes to consolidated financial statements.

F-8
 

 

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES

 

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2024, 2023 AND 2022

 

1.SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

 

Nature of Operations and Basis of Presentation. Western New England Bancorp, Inc. (“Western New England Bancorp,” “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, 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 (“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.

 

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

 

Significant Group Concentrations of Credit Risk. Most of the Company’s lending activities are with customers located within the New England region of the country. The Company does not have any significant concentrations to any one industry or customer.

 

Cash and Cash Equivalents. We define cash on hand, cash due from banks, federal funds sold and interest-bearing deposits having an original maturity of 90 days or less as cash and cash equivalents.

 

Securities and Mortgage-Backed Securities. Investment debt securities, including mortgage-backed securities, which management has the positive intent and ability to hold until maturity are classified as held to maturity and are carried at amortized cost. Investment debt securities, including mortgage-backed securities, which have been identified as assets for which there is not a positive intent to hold to maturity are classified as available-for-sale and are carried at fair value with unrealized gains and losses, net of income taxes, reported as a separate component of comprehensive income (loss). Marketable equity securities are measured at fair value with changes in fair value reported on the Company’s consolidated statements of net income as a component of non-interest income, regardless of whether such gains and losses are realized. We do not acquire investment securities and mortgage-backed securities for purposes of engaging in trading activities.

 

Realized gains and losses on sales of investment securities and mortgage-backed securities are computed using the specific identification method and are included in non-interest income on the trade date. The amortization of premiums and accretion of discounts are determined by using the level yield method to the maturity date, except that premiums are amortized to the earliest call date or maturity.

 

F-9
 

 

Allowance for Credit Losses – Securities Available-for-Sale

 

The Company measures expected credit losses on debt securities available-for-sale based upon the gain or loss position of the security. For debt securities available-for-sale 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. Securities available-for-sale 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. 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. 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.

 

Allowance for Credit Losses – Securities Held-to-Maturity

 

The Company measures expected credit losses on debt securities held-to-maturity 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 securities held-to-maturity would be presented as an allowance for credit loss.

 

Non-marketable Equity Securities. Investments in equity securities without readily determinable fair values are measured at cost, less any impairment, with re-measurement to fair value when there are observable price changes. Impairment is evaluated on such securities based on a qualitative assessment that considers various potential impairment indicators. Upon determining that an impairment exists, a loss is recognized for the amount by which the carrying value exceeds the fair value of the investment.

 

F-10
 

 

Derivatives. We enter into interest rate swap agreements as part of our interest-rate risk management strategy for certain assets and liabilities and not for speculative purposes. Based on our intended use for interest rate swaps, these are hedging instruments subject to hedge accounting provisions. Cash flow hedges are recorded at fair value in other assets or other liabilities within our balance sheets. Changes in the fair value of these cash flow hedges are initially recorded in accumulated other comprehensive income (loss) and subsequently reclassified into earnings when the forecasted transaction affects earnings.

 

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.

 

Fair Value Hierarchy. We group our assets and liabilities measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value.

 

Level 1: Valuation is based on quoted prices in active markets for identical assets. Level 1 assets generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets.

 

Level 2: Valuation is based on observable inputs other than Level 1 prices, such as quoted prices for similar assets and liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets and liabilities.

 

Level 3: Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets and liabilities. Level 3 assets include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.

 

Federal Home Loan Bank of Boston Stock. The Bank, as a member of the FHLB system, is required to maintain an investment in capital stock of the FHLB of Boston. Based on the redemption provisions of the FHLB, the stock has no quoted market value and is carried at cost. At its discretion, the FHLB may declare dividends on the stock. Management reviews for impairment based on the ultimate recoverability of the cost basis in the FHLB stock. As of December 31, 2024, no impairment has been recognized.

 

Loans Held for Sale. Loans originated and intended for sale in the secondary market are carried at the lower of amortized cost or fair value, as determined by aggregate outstanding commitments from investors or current investor yield requirements. Net unrealized losses, if any, are recognized through a valuation allowance by charges to non-interest income. Gains or losses on sales of mortgage loans are recognized based on the difference between the selling price and the carrying value of the related mortgage loans sold on the trade date and reported within non-interest income on the accompanying consolidated statements of net income.

 

Loans Receivable. Loans are recorded at the principal amount outstanding, adjusted for charge-offs, the allowance for credit losses, unearned premiums, discounts 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 collectible. 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 the loan is considered impaired. Any unpaid amounts previously accrued on these loans are reversed from current period interest 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 when subsequent performance reduces the concern as to the collectability of principal and interest. Loan fees, discounts and premiums on purchased loans, 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.

 

F-11
 

 

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.

 

The loan 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. For commercial real estate loans, residential real estate loans, and commercial and industrial loans, 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. The expected loss estimates for the consumer loan segment are based on historical loss rates using the weighted average remaining maturity (“WARM”) method.

 

Commercial real estate loans. Loans in this segment include owner occupied and non-owner occupied commercial real estate, multi-family dwellings, and income producing investment properties, as well as commercial construction loans for commercial development projects throughout New England. Typically, commercial real estate loans are secured by office buildings, apartment buildings, industrial properties, warehouses, retail facilities, hotels, assisted living facilities, and educational facilities. Collateral values are established by independent third-party appraisals and evaluations. Primary repayment sources for commercial real estate loans include operating income and cash flow generated by the real estate, sale of the real estate and, funds from any liquidation of the collateral. Under its lending guidelines, the Company generally requires a corporate or personal guarantee from individuals that hold material ownership in the borrowing entity. 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 secured by one-to-four family residential properties and home equity loans and home equity lines secured by first or second mortgage on one-to-four family owner occupied 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 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 principal and interest on a monthly basis, credit history, financial resources and the value of the collateral. Residential real estate loans are originated either for sale to investors or retained in the Company’s loan portfolio. Decisions about whether to sell or retain residential real estate loans are made based on the interest rate, pricing for loans in the secondary market, and the Company’s liquidity and capital needs. 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. The primary risk associated with commercial and industrial loans is the ability of borrowers to achieve business results and cash flows consistent with those projected at loan origination. Collateral frequently consists of a first lien position on business assets including, but not limited to, accounts receivable, inventory, and equipment. The primary repayment source is operating cash flow, followed by liquidation of assets. Under its lending guidelines, the Company generally requires a corporate or personal guarantee from individuals that hold material ownership in the borrowing entity. A weakened economy and resultant decreased consumer spending will have an effect on the credit quality in this segment.

 

F-12
 

 

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

 

Allowance for Credit Losses Methodology

 

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.

 

The discounted cash flow (“DCF”) model calculates an expected loss percentage for each loan class by considering the probability of default, using life-of-loan analysis periods for the commercial and industrial, commercial real estate, residential real estate loan segments, and the historical severity of loss, based on the aggregate net lifetime losses incurred per loan class. The expected loss estimates for the consumer loan segment are based on historical loss rates using the remaining life method. 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 nonperforming 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.

 

The company uses a WARM method to estimate the ACL for the consumer loan segment. Under this method, the historical average annual charge-off rate is applied to the weighted average remaining maturity of the loan portfolio, currently calculated at 2.5 years. This calculation is adjusted based on additional factors that include (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 nonperforming loans; (6) the quality of our loan review system and (7) the value of underlying collateral for collateralized loans.

 

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.

 

F-13
 

 

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 outstanding off-balance-sheet credit exposures that are unconditionally cancellable by the Company. 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.

 

Bank-owned Life Insurance. Bank-owned life insurance policies are reflected on the consolidated balance sheets at cash surrender value. Changes in the net cash surrender value of the policies, as well as insurance proceeds received in excess of carrying value, are reflected in non-interest income on the consolidated statements of net income and are not subject to income taxes.

 

Transfers and Servicing of Financial Assets. Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from us, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) we do not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.

 

Premises and Equipment. Land is carried at cost. Buildings, furniture and equipment are stated at cost, less accumulated depreciation and amortization, computed on the straight-line method over the estimated useful lives of the assets, or the expected lease term, if shorter. Expected terms include lease option periods to the extent that the exercise of such options is reasonably assured. The estimated useful lives of the assets are as follows:

The estimated useful lives of the assets are as follows:

 

  Years
   
Buildings 39
Leasehold Improvements 5-20
Furniture and Equipment 3-7

 

 

The cost of maintenance and repairs is charged to expense when incurred. Major expenditures for betterments are capitalized and depreciated.

 

Other Real Estate Owned. Other real estate owned (“OREO”) represents property acquired through foreclosure or deeded to us in lieu of foreclosure. OREO is initially recorded at the estimated fair value of the real estate acquired, net of estimated selling costs, establishing a new cost basis. Initial write-downs are charged to the allowance for credit losses at the time the loan is transferred to OREO. Subsequent valuations are periodically performed by management and the carrying value is adjusted by a charge to expense to reflect any subsequent declines in the estimated fair value. Operating costs associated with OREO are expensed as incurred.

 

Servicing. The Company services mortgage loans for others. Mortgage servicing assets are recognized as separate assets at fair value when rights are acquired through purchase or retained through the sale of financial assets. Fair value is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. Capitalized servicing rights are reported in other assets and are amortized into service charges and fee income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to the amortized cost. Impairment is determined by stratifying rights by predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual stratum, to the extent that the fair value is less than the capitalized amount for the stratum. Changes in the valuation allowance are reported in service charges and fee income.

 

F-14
 

 

Servicing fee income is recorded for fees earned for servicing loans, which is included in service charges and fee income. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned.

 

Impairment of Long-lived Assets. Long-lived assets, including premises and equipment and certain identifiable intangible assets that are held and used by the Company, are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. If the asset is determined to be impaired, it is written down to its estimated fair value through a charge to earnings.

 

Goodwill is measured as the excess of the cost of a business combination over the sum of the amounts assigned to identifiable intangible assets acquired less liabilities assumed. Goodwill is not amortized but rather assessed for impairment annually or more frequently if circumstances warrant.

 

Management has the option of first assessing qualitative factors, such as events and circumstances, to determine whether it is more likely than not, meaning a likelihood of more than 50%, the value of a reporting unit is less than its carrying amount. If, after considering all relevant events and circumstances, management determines it is not more likely than not the fair value of a reporting unit is less than its carrying amount, then performing an impairment test is unnecessary.

 

Retirement Plans and Employee Benefits. The Company maintains a tax-qualified defined contribution plan through a third party provider (the “401(k) Plan”) that provides for deferral of federal and state income taxes on employee contributions allowed under Section 401(k) of the Internal Revenue Code of 1986, as amended (the “Internal Revenue Code”). Participants may make pre-tax salary deferrals to the plan not to exceed the annual IRS limits. Effective January 1, 2023, the Company converted to a Safe Harbor 401(k) Plan. In addition to salary deferrals, the Company will match up to 100% of the first 4% of the participant’s eligible compensation (for a total maximum employer matching contribution of 4% of a participant’s eligible compensation). In addition, on an annual basis, the Company may make a discretionary profit share contribution to each participant.

 

Share-based Compensation Plans. We measure and recognize compensation cost relating to share-based payment transactions based on the grant-date fair value of the equity instruments issued. Share-based compensation is recognized over the period the employee is required to provide services for the award. Reductions in compensation expense associated with forfeited options are estimated at the date of grant, and this estimated forfeiture rate is adjusted based on actual forfeiture experience. We use a binomial option-pricing model to determine the fair value of the stock options granted.

 

Employee Stock Ownership Plan. Compensation expense for the Employee Stock Ownership Plan (“ESOP”) is recorded at an amount equal to the shares allocated by the ESOP multiplied by the average fair market value of the shares during the period. We recognize compensation expense ratably over the year based upon our estimate of the number of shares expected to be allocated by the ESOP. Unearned compensation applicable to the ESOP is reflected as a reduction of shareholders’ equity in the consolidated balance sheets. The difference between the average fair market value and the cost of the shares allocated by the ESOP is recorded as an adjustment to additional paid-in capital.

 

Leases. The Company determines if an arrangement is a lease at inception. Operating leases are included within other assets and other liabilities in our consolidated balance sheets. Right-of-use (“ROU”) assets represent our right to use an underlying asset for the lease term and lease liabilities represent our obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As our leases do not provide an implicit rate, we use our incremental borrowing rate based on the information available at commencement date in determining the present value of lease payments. Our lease terms may include options to extend or terminate the lease when it is reasonably certain that we will exercise that option. Lease expense for lease payments is recognized on a straight-line basis over the lease term.

 

Advertising Costs. Advertising costs are accounted for using the accrual basis of accounting.

 

F-15
 

 

Income Taxes. We use the asset and liability method for income tax accounting, whereby, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates applied to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. A valuation allowance related to deferred tax assets is established when, in the judgment of management, it is more likely than not that all or a portion of such deferred tax assets will not be realized based on the available evidence including historical and projected taxable income. We do not have any uncertain tax positions at December 31, 2024 that require accrual or disclosure. We record interest and penalties as part of income tax expense.

 

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 ESOP shares are not deemed outstanding for earnings per share calculations. There were no anti-dilutive shares outstanding during the years ended December 31, 2024, 2023 and 2022.

 

Earnings per common share for the years ended December 31, 2024, 2023 and 2022 have been computed based on the following:

 

                       
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars and shares in thousands) 
     
Net income applicable to common stock  $11,666   $15,068   $25,887 
                
Average number of common shares issued   21,345    22,037    22,451 
Less: Average unallocated ESOP Shares   (264)   (338)   (415)
Less: Average unvested performance-based equity incentive plan shares   (181)   (163)   (156)
                
Average number of common shares outstanding used to calculate basic earnings per common share   20,900    21,536    21,880 
Effect of dilutive performance-based equity incentive plan shares   116    74    41 
Effect of dilutive stock options   —    —    17 
Average number of common shares outstanding used to calculate diluted earnings per common share   21,016    21,610    21,938 
                
Net income per common share:               
Basic earnings per share  $0.56   $0.70   $1.18 
Diluted earnings per share  $0.56   $0.70   $1.18 

 

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).

 

F-16
 

 

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

 

   December 31, 2024   December 31, 2023 
   (Dollars in thousands) 
     
Net unrealized losses on securities available-for-sale  $(31,236)  $(29,166)
Tax effect   7,962    7,422 
Net-of-tax amount   (23,274)   (21,744)
           
Accumulated other comprehensive loss  $(23,274)  $(21,744)

 

Recent Accounting Pronouncements.

 

In November 2023, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2023-07, Segment Reporting – Improvements to Reportable Segment Disclosures (Topic 280), which expands segment disclosure requirements for public entities to require disclosure of significant segment expenses and other segment items on an annual and interim basis. It also requires companies to provide in interim periods all disclosures about a reportable segment’s profit or loss and assets that are currently required annually. This ASU, as amended, became effective for the Company in the consolidated financial statements for the year ended December 31, 2024 (see Note 18 – Segment) and did not have a material impact on the Company’s consolidated financial statements. In addition, this ASU, as amended, will be effective for interim periods beginning in 2025 and is not expected to have a material impact on the Company’s consolidated financial statements.

 

In December 2023, the FASB issued ASU 2023-09, Income Taxes—Improvements to Income Tax Disclosures (Topic 740), which requires entities to disclose specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold. On an annual basis, entities must disclose: (1) the amount of income taxes paid, net of refunds, disaggregated by federal, state, and foreign; and (2) the amount of income taxes paid, net of refunds, disaggregated by individual jurisdictions in which income taxes paid, net of refunds received, for amounts equal to or greater than 5% of total income taxes paid. Further, the amendments also require entities to disclose: (1) income or loss from continued operations before income tax expense (or benefit) disaggregated between domestic and foreign sources; and (2) income or loss from continued operations disaggregated by federal, state, and foreign sources. This ASU, as amended, is effective for the Company in fiscal years beginning after December 15, 2024 and is not expected to have a material impact on the Company’s consolidated financial statements.

 

In November 2024, the FASB issued ASU 2024-03, Income Statement – Reporting Comprehensive Income – Expense Disaggregation Disclosures – Disaggregation of Income Statement Expenses (Subtopic 220-40). ASU 2024-03 requires disaggregated disclosure of income statement expenses for public business entities. ASU 2024-03 requires new financial statement disclosures in tabular form, disaggregating information about prescribed categories underlying any relevant income statement expense caption. The prescribed categories include, among other things, employee compensation, depreciation, and intangible asset amortization. Additionally, entities must disclose the total amount of selling expenses and, in annual reporting periods, an entity’s definition of selling expenses. This ASU is effective for the Company, on a prospective basis, for annual reporting periods beginning after December 15, 2026 and interim reporting periods within annual reporting periods beginning after December 15, 2027 and is not expected to have a material impact on the Company’s consolidated financial statements.

 

F-17
 

 

2.INVESTMENT SECURITIES

 

The following tables summarize the amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024 and December 31, 2023, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive loss on securities available-for-sale. The Company did not record an allowance for credit losses on its securities held-to-maturity portfolio as of December 31, 2024 and December 31, 2023.

 

   December 31, 2024 
   Amortized Cost   Gross Unrealized Gains   Gross Unrealized Losses   Fair Value 
   (Dollars in thousands) 
Securities available-for-sale:                    
Debt securities:                    
Government-sponsored enterprise obligations  $19,424   $—   $(2,966)  $16,458 
Corporate bonds   5,000    —    (390)   4,610 
Total debt securities   24,424    —    (3,356)   21,068 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   161,313    —    (26,535)   134,778 
U.S. government guaranteed mortgage-backed securities   6,203    —    (1,345)   4,858 
Total mortgage-backed securities   167,516    —    (27,880)   139,636 
                     
Total securities available-for-sale   191,940    —    (31,236)   160,704 
                     
Securities held-to-maturity:                    
Debt securities:                    
U.S. Treasury securities   5,002    —    (275)   4,727 
U.S. government guaranteed obligations   1,064    —    (3)   1,061 
Total debt securities   6,066    —    (278)   5,788 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   198,970    13    (39,165)   159,818 
Total mortgage-backed securities   198,970    13    (39,165)   159,818 
                     
Total securities held-to-maturity   205,036    13    (39,443)   165,606 

Total 

  $396,976   $13   $(70,679)  $326,310 

 

   December 31, 2023 
   Amortized Cost   Gross Unrealized Gains   Gross Unrealized Losses   Fair Value 
   (Dollars in thousands) 
Securities available-for-sale:                    
Debt securities:                    
Government-sponsored enterprise obligations  $14,924   $—   $(2,898)  $12,026 
State and municipal bonds   135    —    —    135 
Corporate bonds   8,000    —    (1,038)   6,962 
Total debt securities   23,059    —    (3,936)   19,123 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   136,533    —    (23,976)   112,557 
U.S. government guaranteed mortgage-backed securities   6,689    —    (1,254)   5,435 
Total mortgage-backed securities   143,222    —    (25,230)   117,992 
                     
Total securities available-for-sale   166,281    —    (29,166)   137,115 
                 
Securities held-to-maturity:                
Debt securities:                
U.S. Treasury securities   9,995    —    (545)   9,450 
Total debt securities   9,995    —    (545)   9,450 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   213,375    107    (35,240)   178,242 
Total mortgage-backed securities   213,375    107    (35,240)   178,242 
                     
 Total securities held-to-maturity   223,370    107    (35,785)   187,692 

Total 

  $389,651   $107   $(64,951)  $324,807 

 

F-18
 

 

The following table presents the unrealized gains (losses) recognized on marketable equity securities for the years indicated:

 

             
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
Net gains (losses) recognized during the year on marketable equity securities  $13   $(1)  $(717)
Net losses recognized during the year on equity securities sold during the year   —    —    1,021 
Unrealized gain (loss) recognized during the year on marketable equity securities still held at year end  $13   $(1)  $304 

 

 

During the second quarter of 2023, $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 December 31, 2024 and 2023, the balance of marketable equity securities was $397,000 and $196,000.

 

At December 31, 2024, U.S. Treasury securities with a fair value of $4.7 million, government-sponsored enterprise obligations with a fair value of $7.9 million and mortgage-backed securities with a fair value of $157.4 million were pledged to secure public deposits 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 securities available-for-sale and held-to-maturity at December 31, 2024, 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 
   (Dollars in thousands) 
Debt securities:                    
Due after one year through five years  $—   $—   $5,002   $4,727 
Due after five years through ten years   22,427    19,076    —    — 
Due after ten years   1,997    1,992    1,064    1,061 
Total debt securities  $24,424   $21,068   $6,066   $5,788 

 

F-19
 
   Available-for-Sale   Held-to-Maturity 
   Amortized Cost   Fair Value   Amortized Cost   Fair Value 
   (Dollars in thousands) 
Mortgage-backed securities:                    
Due after one year through five years  $843   $820   $—   $— 
Due after five years through ten years   2,807    2,749    2,524    2,397 
Due after ten years   163,866    136,067    196,446    157,421 
Total mortgage-backed securities   167,516    139,636    198,970    159,818 
Total securities  $191,940   $160,704   $205,036   $165,606 

 

Gross realized losses on sales of securities available-for-sale for the year ended December 31, 2022 were $4,000. There were no gross realized gains or losses on sales of securities available-for-sale for the years ended December 31, 2024 and 2023.

 

Proceeds from the sales of securities available-for-sale totaled $20,000 for the year ended December 31, 2022. There were no sales of securities for the years ended December 31, 2024 and 2023.

 

Accrued interest receivable on securities available-for-sale guaranteed by government agencies totaled $472,000 at December 31, 2024 and $333,000 at December 31, 2023, and is excluded from the estimate of credit losses. Accrued interest receivable on debt securities available-for-sale not guaranteed by government agencies totaled $123,000 at December 31, 2024 and $178,000 at December 31, 2023, and is excluded from the estimate of credit losses. There were no allowances for credit losses established on debt securities available-for-sale during the years ended December 31, 2024 and 2023.

 

At December 31, 2024 there was one available-for-sale corporate bond that was rated below investment grade by one or more ratings agencies, while at December 31, 2023, 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 the corporate bond rated below investment grade at December 31, 2024 and has concluded that the amortized cost remains supported by the expected future cash flows of the securities.

 

Accrued interest receivable on securities held-to-maturity totaled $430,000 at December 31, 2024 and $454,000 at December 31, 2023, and is excluded from the estimate of credit losses. There were no allowances for credit losses established on securities held-to-maturity securities during the years ended December 31, 2024 and 2023.

 

The following tables summarize the gross unrealized losses and fair value of the Company’s securities available-for-sale and held-to-maturity, segregated by the duration of their continuous unrealized loss positions at December 31, 2024 and 2023:

 

   December 31, 2024 
   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) 
Securities available-for-sale:                                        
Government-sponsored mortgage-backed securities   9   $33,145   $584    1.7%   70   $99,529   $25,951    20.7%
U.S. government guaranteed mortgage-backed securities   —    —    —    —    9    4,858    1,345    21.7 
Government-sponsored enterprise obligations   3    4,452    19    0.4    3    11,988    2,947    19.7 
Corporate bonds   —    —    —    —    2    4,610    390    7.8 
Total securities available-for-sale   12    37,597    603         84    120,985    30,633      
                                 
Securities held-to-maturity:                                
U.S. Treasury securities   —    —    —    —%   1    4,727    275    5.5%
U.S. government guaranteed obligations   1    1,061    3    0.3    —    —    —    — 
Government-sponsored mortgage-backed securities   4    9,187    127    1.4    37    148,992    39,038    20.8 
Total securities held-to-maturity   5    10,248    130         38    153,719    39,313      
                                         
Total securities   17   $47,845   $733         122   $274,704   $69,946      

 

 

F-20
 

 
   December 31, 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) 
Securities available-for-sale:                                        
Government-sponsored mortgage-backed securities   —   $—   $—    —%   70   $112,557   $23,976    17.6%
U.S. government guaranteed mortgage-backed securities   —    —    —    —    9    5,435    1,254    18.7 
Government-sponsored enterprise obligations   —    —    —    —    3    12,026    2,898    19.4 
Corporate bonds   —    —    —    —    3    6,962    1,038    13.0 
Total securities available-for-sale   —    —    —         85    136,980    29,166      
                                         
Securities held-to-maturity:                                        
U.S. Treasury securities   —    —    —    —%   2    9,450    545    5.5%
Government-sponsored mortgage-backed securities   4    7,097    56    0.8    36    164,395    35,184    17.6 
Total securities held-to-maturity   4    7,097    56         38    173,845    35,729      
                                         
Total securities   4   $7,097   $56         123   $310,825   $64,895      

 

The Company expects to recover its amortized cost basis on all securities in its available-for-sale and held-to-maturity portfolios. Furthermore, the Company does not intend to sell, nor does it anticipate that it will be required to sell any of its securities in an unrealized loss position as of December 31, 2024, prior to this anticipated recovery. The decline in fair value on its available-for-sale and held-to-maturity portfolios is largely due to changes in interest rates and other market conditions and not due to credit quality issues. The issuers continue to make timely principal and interest payments on the securities and the fair value is expected to recover as the securities approach maturity. The Company’s ability and intent to hold these securities until recovery is supported by the Company’s stable capital and liquidity positions as well as its historically low portfolio turnover. The following description provides the number of investment positions in an unrealized loss position:

 

At December 31, 2024, the Company reported unrealized losses on the securities available-for-sale portfolio of $31.2 million, or 16.2% of the amortized cost basis of the securities available-for-sale, compared to unrealized losses of $29.2 million, or 17.5% of the amortized cost basis of the securities available-for-sale at December 31, 2023. At December 31, 2024, there were 96 securities available-for-sale in which the fair value was less than the amortized cost, compared to 85 securities available-for-sale at December 31, 2023.

 

At December 31, 2024, the Company reported unrealized losses on the securities held-to-maturity portfolio of $39.4 million, or 19.2%, of the amortized cost basis of the securities held-to-maturity portfolio, compared to $35.7 million, or 16.0% of the amortized cost basis of the securities held-to-maturity at December 31, 2023. At December 31, 2024, there 43 securities held-to-maturity in which the fair value was less than the amortized cost, compared to 42 securities held-to-maturity at December 31, 2023.

 

F-21
 

 

3.LOANS AND ALLOWANCE FOR CREDIT LOSSES

 

The following table presents the summary of the loan portfolio by the major classification of the loan at the periods indicated:

 

   December 31,   December 31, 
   2024   2023 
   (Dollars in thousands) 
Commercial real estate:          
Non-owner occupied  $880,828   $881,643 
Owner occupied   194,904    198,108 
Total commercial real estate   1,075,732    1,079,751 
           
Residential real estate:
          
Residential one-to-four family   653,802    612,315 
Home equity   121,857    109,839 
 Total residential real estate   775,659    722,154 
           
Commercial and industrial   211,656    217,447 
           
Consumer   4,391    5,472 
           
Total gross loans   2,067,438    2,024,824 
Plus: Unearned premiums and deferred loan fees and costs, net   2,751    2,493 
Less: Allowance for credit losses   (19,529)   (20,267)
Net loans  $2,050,660   $2,007,050 

 

Lending activities primarily consist of commercial real estate loans, commercial and industrial loans, residential real estate loans, and to a lesser degree, consumer loans.

 

Loans Pledged as Collateral.

 

At December 31, 2024 and December 31, 2023, the carrying value of eligible loans pledged as collateral to support borrowing capacity at the FHLB were $906.0 million and $941.2 million, respectively. The outstanding balance of FHLB advances was $98.0 million and $40.6 million at December 31, 2024 and December 31, 2023, respectively.

 

At December 31, 2024, the carrying value of eligible loans pledged as collateral to support borrowing capacity at the Federal Reserve Bank (“FRB”) was $377.0 million. There were no loans pledged to secure borrowing capacity at the FRB at December 31, 2023. There were no funds borrowed from the FRB backed by loans outstanding or securities pledged at December 31, 2024 or December 31, 2023.

 

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 December 31, 2024 and December 31, 2023, the Company was servicing commercial loans participated out to various other institutions totaling $65.3 million and $65.0 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 December 31, 2024, include weighted average prepayment speed for the portfolio using the Public Securities Association Standard Prepayment Model (141 PSA), average internal rate of return (10.01%), weighted average servicing fee (0.25%), and average cost to service loans ($83.31 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 year ended December 31, 2024, the Company sold $20.1 million in residential real estate mortgages with servicing retained and recorded gains on the sale of mortgages of $235,000 within non-interest income. There were no sales of residential real estate mortgages to the secondary market during the year ended December 31, 2023.

 

F-22
 

 

At December 31, 2024 and December 31, 2023, the Company was servicing residential mortgage loans owned by investors totaling $84.8 million and $72.7 million, respectively. Servicing fee income of $189,000 and $191,000 was recorded for the years ended December 31, 2024 and 2023, 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:

 

               
   Years Ended December 31, 
   2024   2023 
   (Dollars in thousands) 
Balance at the beginning of year:  $422   $550 
Capitalized mortgage servicing rights   114    — 
Amortization   (100)   (128)
Balance at the end of year  $436   $422 
Fair value at the end of year  $826   $724 

 

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.

 

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 $7.4 million at December 31, 2024 and $7.5 million at December 31, 2023 and is excluded from the estimate of credit losses.

 

F-23
 

 

An analysis of changes in the allowance for credit losses for loans and off-balance sheet commitments by segment for the years ended December 31, 2024 and 2023 is as follows:

 

   Commercial Real Estate   Residential Real Estate   Commercial and Industrial   Consumer   Unallocated   Total 
   (Dollars in thousands) 
Allowance for credit losses for loans                              
                               
Balance at December 31, 2023  $15,141   $2,548   $2,537   $41   $—   $20,267 
Provision for (reversal of) for credit losses   (1,670)   761    (212)   296    —    (825)
Charge-offs   (46)   (185)   (65)   (228)   —    (524)
Recoveries   252    32    217    110    —    611 
Balance at December 31, 2024  $13,677   $3,156   $2,477   $219   $—   $19,529 
                               
Balance at December 31, 2022  $12,199   $4,312   $3,160   $245   $15   $19,931 
Cumulative effect change in accounting principle   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   (292)   728    665    92    —    1,193 
Charge-offs   (764)   —    (1,561)   (185)   —    (2,510)
Recoveries   9    26    348    88         471 
Balance at December 31, 2023  $15,141   $2,548   $2,537   $41   $—   $20,267 
                               

The following table presents information pertaining to the allowance for credit losses by segment Pre-ASC 326 CECL adoption for the year ended December 31, 2022:

 

   Commercial Real Estate   Residential Real Estate   Commercial and Industrial   Consumer   Unallocated   Total 
   (Dollars in thousands) 
                         
Balance at December 31, 2021  $12,970   $3,964   $2,643   $197   $13   $19,787 
Provision for (reversal of) for credit losses   (434)   344    586    202    2    700 
Charge-offs   (337)   (28)   (92)   (216)   —    (673)
Recoveries   —    32    23    62    —    117 
Balance at December 31, 2022  $12,199   $4,312   $3,160   $245   $15   $19,931 

 

   Commercial Real Estate   Residential Real Estate   Commercial and Industrial   Consumer   Unallocated   Total 
   (Dollars in thousands) 
                         
Allowance for credit losses for off-balance sheet exposures                              
                               
Balance at December 31, 2023  $375   $163   $59   $—   $—   $597 
Provision (reversal) for credit losses   81    93    (14)   —    —    160 
Balance at December 31, 2024  $456   $256   $45   $—   $—   $757 
                               
Balance at December 31, 2022  $—   $—   $—   $—   $—   $— 
Cumulative effect of change in accounting principle   611    267    40    —    —    918 
Reversal of credit losses   (236)   (104)   19    —    —    (321)
Balance at December 31, 2023  $375   $163   $59   $—   $—   $597 

 

There was no allowance for credit losses for off-balance sheet exposures for the year ended December 31, 2022.

 

F-24
 

  

During the year ended December 31, 2024, the Company recorded a reversal of credit losses of $665,000, compared to a provision for credit losses of $872,000 during the year ended December 31, 2023. The $665,000 reversal of credit losses during the year ended December 31, 2024 was comprised of an $825,000 reversal of credit losses on loans, which was offset by a $160,000 reserve on unfunded loan commitments related to the impact of higher unfunded loan commitments for the period.

 

During the year ended December 31, 2023, the Company recorded a provision for credit losses of $872,000, comprised of a $1.2 million provision for loan losses, partially offset by a $321,000 reversal of reserves on unfunded loan commitments primarily related to the impact of lower unfunded loan commitments.

 

The provision for or reversal of credit losses was determined by a number of factors: the continued stable 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 reserved for the current economic environment and supportable forecast period.

 

Past Due and Nonperforming 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 

  

Nonperforming 

Loans

 
   (Dollars in thousands) 
December 31, 2024                            
Commercial real estate:                                   
Non-owner occupied  $285   $—   $—   $285   $880,543   $880,828   $— 
Owner occupied   —    —    —    —    194,904    194,904    330 
Total   285    —    —    285    1,075,447    1,075,732    330 
Residential real estate:
                                   
Residential one-to-four family   1,747    569    983    3,299    650,503    653,802    3,965 
Home equity   810    213    317    1,340    120,517    121,857    408 
Total   2,557    782    1,300    4,639    771,020    775,659    4,373 
Commercial and industrial   60    —    1    61    211,595    211,656    673 
Consumer   10    —    —    10    4,381    4,391    5 
Total loans  $2,912   $782   $1,301   $4,995   $2,062,443   $2,067,438   $5,381 

 

   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

  

Nonperforming

Loans

 
   (Dollars in thousands) 
December 31, 2023                            
Commercial real estate:                                   
Non-owner occupied  $—   $647   $236   $883   $880,760   $881,643   $1,107 
Owner occupied   272    —    167    439    197,669    198,108    240 
Total   272    647    403    1,322    1,078,429    1,079,751    1,347 
Residential real estate:
                                   
Residential one-to-four family   2,354    934    881    4,169    608,146    612,315    4,739 
Home equity   263    112    102    477    109,362    109,839    109 
Total   2,617    1,046    983    4,646    717,508    722,154    4,848 
Commercial and industrial   20    —    8    28    217,419    217,447    218 
Consumer   3    —    —    3    5,469    5,472    8 
Total loans  $2,912   $1,693   $1,394   $5,999   $2,018,825   $2,024,824   $6,421 

 

F-25
 

 

At December 31, 2024 and December 31, 2023, total past due loans totaled $5.0 million, or 0.24% of total loans, and $6.0 million, or 0.30% of total loans, respectively.

 

Nonperforming 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 nonperforming status, interest accruals cease and uncollected accrued interest is reversed and charged against current interest income. Interest payments on nonperforming 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 is a summary of the Company’s nonperforming loans by major categories at December 31, 2024 and December 31, 2023:

 

                           
   As of December 31, 2024   For the Year Ended December 31, 2024 
   Nonperforming Loans with Allowance for Credit Loss   Nonperforming Loans Without Allowance for Credit Loss  

Total  

Nonperforming Loans 

   Accrued Interest Receivable Reversed from Income 
   (Dollars in thousands) 
Commercial real estate:                    
Non-owner occupied  $—   $—   $—   $— 
Owner occupied   —    330    330    — 
Total   —    330    330    — 
Residential real estate:                    
Residential one-to-four family   —    3,965    3,965    192 
Home equity   —    408    408    30 
Total        4,373    4,373    222 
Commercial and industrial   —    673    673    151 
Consumer   —    5    5    — 
Total loans  $—   $5,381   $5,381   $373 

 

                           
   As of December 31, 2023   For the Year Ended December 31, 2023 
   Nonperforming Loans with Allowance for Credit Loss   Nonperforming Loans Without Allowance for Credit Loss  

Total 

Nonperforming Loans 

   Accrued Interest Receivable Reversed from Income 
   (Dollars in thousands) 
Commercial real estate:                    
Non-owner occupied  $—   $1,107   $1,107   $44 
Owner occupied   —    240    240    23 
Total   —    1,347    1,347    67 
Residential real estate:                    
Residential one-to-four family   —    4,739    4,739    182 
Home equity   —    109    109    10 
Total        4,848    4,848    192 
Commercial and industrial   —    218    218    159 
Consumer   —    8    8    — 
Total loans  $—   $6,421   $6,421   $418 

 

F-26
 

 

At December 31, 2024 and December 31, 2023, nonperforming loans totaled $5.4 million, or 0.26% of total loans and $6.4 million, or 0.32% of total loans, respectively. The Company did not recognize any interest income on nonperforming loans for the years ended December 31, 2024 and 2023. At December 31, 2024 and December 31, 2023, there were no commitments to lend additional funds to any borrower on nonperforming status. At December 31, 2024 and December 31, 2023, there were no loans 90 or more days past due and still accruing interest. There was no other real estate owned at December 31, 2024 or December 31, 2023.

 

Individually Evaluated Collateral Dependent Loans.

 

Loans that do not share similar risk characteristics with loans that are pooled into portfolio segments are individually evaluated. A loan is considered collateral dependent 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. Loans that are rated Substandard, have a loan-to-value above 85% or have demonstrated a specific weakness (e.g., slow payment history, industry weakness, or other clear credit deterioration) may be considered for individual evaluation if they are determined not to share similar risk characteristics within the segment. Individually evaluated assets will be measured primarily using the collateral dependent financial asset practical expedient, although the discounted cash flow method may be used when management deems it more appropriate or collateral values cannot be supported. For individually evaluated assets, an ACL is determined separately for each financial asset. At December 31, 2024, the Company had $1.3 million in individually evaluated commercial loans, collateralized by business assets, and $13.0 million in individually evaluated real estate loans, collateralized by real estate property.

 

The following table summarizes the Company’s individually evaluated collateral dependent loans by class as of the dates indicated:

 

   As of December 31, 2024 
   Recorded Investment   Related Allowance 
   (Dollars in thousands) 
With no related allowance recorded:          
Commercial real estate:          
Non-owner occupied  $6,956   $— 
Owner occupied   1,285    — 
Total   8,241    — 
Residential real estate:          
Residential one-to-four family   4,333    — 
Home equity   408    — 
Total   4,741      
Commercial and industrial   776    — 
Consumer   —    — 
Loans with no related allowance recorded  $13,758   $— 
           
With an allowance recorded:          
Commercial real estate:          
Non-owner occupied  $—   $— 
Owner occupied   —    — 
Total   —    — 
Residential real estate:          
Residential one-to-four family   —    — 
Home equity   —    — 
Total   —    — 
Commercial and industrial   494    156 
Consumer   —    — 
Loans with an allowance recorded  $494   $156 
Total individually evaluated loans  $14,252   $156 

 

F-27
 

 
   As of December 31, 2023 
   Recorded Investment   Related Allowance 
   (Dollars in thousands) 
With no related allowance recorded:          
Commercial real estate:          
Non-owner occupied  $8,879   $— 
Owner occupied   1,769    — 
Total   10,648    — 
Residential real estate:          
Residential one-to-four family   5,163    — 
Home equity   109    — 
Total   5,272    — 
Commercial and industrial   13,273    — 
Consumer   8    — 
Loans with no related allowance recorded  $29,201   $— 
           
With an allowance recorded:          
Commercial real estate:  $—   $— 
Non-owner occupied   —    — 
Owner occupied   —    — 
Total   —    — 
Residential real estate:          
Residential one-to-four family   —    — 
Home equity   —    — 
Total          
Commercial and industrial   517    179 
Consumer   —    — 
Loans with an allowance recorded  $517   $179 
Total individually evaluated loans  $29,718   $179 

 

Modified Loans to Borrowers Experiencing Financial Difficulty.

 

The Company will modify the contractual terms of loans to a borrower experiencing financial difficulties as a way to mitigate loss and comply with regulations regarding bankruptcy and discharge situations. 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 granted based on borrower financial difficulty during the years ended December 31, 2024 and 2023. During the years ended December 31, 2024 and 2023, 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 years ended December 31, 2024 or 2023.

 

F-28
 

 

Credit Quality Information.

 

The Company monitors the credit quality of its loan portfolio by using internal risk ratings that are based on regulatory guidance. The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company utilizes an eight-grade internal loan rating system for commercial real estate and commercial and industrial loans.

 

The grades assigned and definitions are as follows: loans graded excellent, above average, good are classified as “Pass” for grading purposes (risk ratings 1-4). All loans risk rated Special Mention (5), Substandard (6), Doubtful (7) and Loss (8) are listed on the Company’s criticized report and are reviewed not less than on a quarterly basis to assess the level of risk and to ensure that appropriate actions are being taken to minimize potential loss exposure. In addition, the Company closely monitors classified loans, defined as Substandard, Doubtful, and Loss for signs of deterioration to mitigate the growth in nonperforming loans, including performing additional due diligence, updating valuations and requiring additional financial reporting from the borrower. Loans identified as containing a loss are partially charged-off or fully charged-off. 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 are classified as “Pass” and have quality metrics to support that the loan will be repaid according to the terms established and are not subject to adverse criticism as defined in regulatory guidance. Pass loans exhibit characteristics that represent acceptable risk and are not considered problem loans.

 

Loans rated 5: Loans rated 5 are classified as “Special Mention” and have potential weaknesses that deserve management’s close attention. Special mention loans are currently performing but with potential weaknesses including adverse trends in borrower’s operations, credit quality, financial strength, or possible collateral deficiency. 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. Special Mention loans do not sufficiently expose the Company to warrant adverse classification.

 

Loans rated 6: Loans rated 6 are classified as “Substandard” and have an identified definitive weakness which may make full collection of contractual cash flows questionable and/or jeopardize the liquidation of the debt.

 

Loans rated 7: Loans rated 7 are classified as “Doubtful” and 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 classified a “Loss” and are considered uncollectible and are charged to the allowance for credit losses. 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, the Company formally reviews the ratings on all commercial real estate loans over $2 million and commercial and industrial loans over $1 million. On an ongoing basis, Management utilizes delinquency reports, interim customer financials, the criticized loan report and other loan reports to monitor credit quality and adjust risk ratings accordingly. In addition, at least on an annual basis, the Company contracts with an independent third-party 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 tables summarize the amortized cost basis by aggregate Pass and criticized categories of Special Mention and Substandard within the Company’s internal risk rating system by year of origination as of December 31, 2024 and 2023. The tables also summarize gross charge-offs by year of origination for the years ended December 31, 2024 and 2023.

 

F-29
 

 
                                                       
   As of and Year Ended December 31, 2024 
   Term Loan Origination by Year   Revolving Loans 
   2024   2023   2022   2021   2020   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
                                     
Commercial Real Estate:                                             
Pass (Rated 1- 4)  $51,726   $46,105   $175,159   $237,531   $108,165   $348,564   $84,083   $3,391   $1,054,724 
Special Mention (Rated 5)   —    —    —    —    —    10,104    134    —    10,238 
Substandard (Rated 6)   —    —    —    —    8,166    2,604    —    —    10,770 
Total commercial real estate loans  $51,726   $46,105   $175,159   $237,531   $116,331   $361,272   $84,217   $3,391   $1,075,732 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $46   $—   $—   $46 
                                              
Payment Performance:                                             
Performing  $51,726   $46,105   $175,159   $237,531   $116,331   $360,942   $84,217   $3,391   $1,075,402 
Nonperforming   —    —    —    —    —    330    —    —    330 
                                              
Residential One-to-Four Family:                                             
Pass  $79,180   $60,825   $87,635   $88,761   $119,302   $205,620   $7,821   $—   $649,144 
Substandard   —    —    425    355    380    3,498    —    —    4,658 
Total residential one-to-four family  $79,180   $60,825   $88,060   $89,116   $119,682   $209,118   $7,821   $—   $653,802 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $59   $—   $—   $59 
                                              
Payment Performance:                                             
Performing  $79,180   $60,825   $87,635   $88,761   $119,302   $206,313   $7,821   $—   $649,837 
Nonperforming   —    —    425    355    380    2,805    —    —    3,965 
                                              
Home Equity:                                             
Pass  $9,509   $8,699   $9,196   $5,801   $6,264   $9,998   $68,920   $3,062   $121,449 
Substandard   13    —    70    —    —    —    317    8    408 
Total home equity loans  $9,522   $8,699   $9,266   $5,801   $6,264   $9,998   $69,237   $3,070   $121,857 
                                              
Current period gross charge-offs  $—   $—   $20   $—   $—   $7   $—   $99   $126 
                                              
Payment Performance:                                             
Performing  $9,509   $8,699   $9,196   $5,801   $6,264   $9,998   $68,920   $3,062   $121,449 
Nonperforming   13    —    70    —    —    —    317    8    408 

 

F-30
 

 

   As of and Year Ended December 31, 2024 
   Term Loans Originated by Year   Revolving Loans 
   2024   2023   2022   2021   2020   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
Commercial and Industrial:                                             
Pass (Rated 1- 4)  $29,346   $19,096   $27,609   $27,371   $14,859   $22,117   $58,852   $64   $199,314 
Special Mention (Rated 5)   —    25    590    125    —    328    99    —    1,167 
Substandard (Rated 6)   —    5,872    —    —    376    1,547    3,380    —    11,175 
Total commercial and industrial loans  $29,346   $24,993   $28,199   $27,496   $15,235   $23,992   $62,331   $64   $211,656 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $56   $—   $9   $65 
                                              
Payment Performance:                                             
Performing  $29,346   $24,993   $28,199   $27,496   $15,235   $23,468   $62,182   $64   $210,983 
Nonperforming   —    —    —    —    —    524    149    —    673 
                                              
Consumer:                                             
Pass  $839   $1,421   $842   $271   $45   $145   $823   $—   $4,386 
Substandard   —    —    —    —    —    5    —    —    5 
Total consumer loans  $839   $1,421   $842   $271   $45   $150   $823   $—   $4,391 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $228   $228 
                                              
Payment Performance:                                             
Performing  $839   $1,421   $842   $271   $45   $145   $823   $—   $4,386 
Nonperforming   —    —    —    —    —    5    —    —    5 

 

F-31
 

 

   As of and Year Ended December 31, 2023 
   Term Loan Origination by Year   Revolving Loans 
   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)  $42,764   $175,829   $228,739   $113,631   $91,353   $320,806   $81,483   $9,289   $1,063,894 
Special Mention (Rated 5)   —    —    —    180    915    3,237    164    —    4,496 
Substandard (Rated 6)   —    —    —    8,013    —    3,348    —    —    11,361 
Total commercial real estate loans  $42,764   $175,829   $228,739   $121,824   $92,268   $327,391   $81,647   $9,289   $1,079,751 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $764   $—   $—   $764 
                                              
Payment Performance:                                             
Performing  $42,764   $175,829   $228,739   $121,824   $92,268   $326,044   $81,647   $9,289   $1,078,404 
Nonperforming   —    —    —    —    —    1,347    —    —    1,347 
                                              
Residential One-to-Four Family:                                             
Pass  $59,257   $88,213   $94,290   $125,917   $54,263   $174,688   $10,401   $—   $607,029 
Substandard   —    447    495    445    —    3,899    —    —    5,286 
Total residential one-to-four family  $59,257   $88,660   $94,785   $126,362   $54,263   $178,587   $10,401   $—   $612,315 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $59,257   $88,213   $94,290   $125,540   $54,263   $175,612   $10,401   $—   $607,576 
Nonperforming   —    447    495    822    —    2,975    —    —    4,739 
                                              
Home Equity:                                             
Pass  $9,937   $10,885   $6,861   $7,108   $5,234   $7,261   $60,115   $2,329   $109,730 
Substandard   —    —    —    —    —    7    90    12    109 
Total home equity loans  $9,937   $10,885   $6,861   $7,108   $5,234   $7,268   $60,205   $2,341   $109,839 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $9,937   $10,885   $6,861   $7,108   $5,234   $7,261   $60,115   $2,329   $109,730 
Nonperforming   —    —    —    —    —    7    90    12    109 

 

F-32
 

 
   As of and Year Ended December 31, 2023 
   Term Loans Originated by Year   Revolving Loans 
   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)  $31,108   $35,705   $26,553   $19,780   $19,765   $8,825   $57,393   $69   $199,198 
Special Mention (Rated 5)   —    101    —    —    8    498    707    —    1,314 
Substandard (Rated 6)   —    —    1,408    8,156    —    85    7,286    —    16,935 
Total commercial and industrial loans  $31,108   $35,806   $27,961   $27,936   $19,773   $9,408   $65,386   $69   $217,447 
                                              
Current period gross charge-offs  $—   $147   $—   $—   $—   $221   $—   $1,193   $1,561 
                                              
Payment Performance:                                             
Performing  $31,108   $35,806   $27,961   $27,936   $19,773   $9,401   $65,175   $69   $217,229 
Nonperforming   —    —    —    —    —    7    211    —    218 
                                              
Consumer:                                             
Pass  $2,168   $1,381   $524   $241   $68   $270   $812   $—   $5,464 
Substandard   —    —    —    —    —    8    —    —    8 
Total consumer loans  $2,168   $1,381   $524   $241   $68   $278   $812   $—   $5,472 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $3   $182   $185 
                                              
Payment Performance:                                             
Performing  $2,168   $1,381   $524   $241   $68   $271   $811   $—   $5,464 
Nonperforming   —    —    —    —    —    7    1    —    8 

 

F-33
 

 

The following table summarizes information about total loans rated Special Mention, Substandard, Doubtful or Loss for the periods noted.

 

             
   December 31, 2024   December 31, 2023 
   (Dollar in thousands) 
Criticized loans:          
Special Mention  $11,405   $5,810 
Substandard   27,016    33,699 
Total criticized loans  $38,421   $39,509 
Total criticized loans as a percentage of total loans   1.9%   1.9%

 

4.PREMISES AND EQUIPMENT

 

Premises and equipment are summarized as follows:

 

            
   December 31, 
   2024   2023 
   (Dollars in thousands) 
     
Land  $6,239   $6,239 
Buildings   28,451    28,231 
Leasehold improvements   3,472    3,472 
Furniture and equipment   24,164    23,268 
Total   62,326    61,210 
           
Less: accumulated depreciation and amortization   (37,905)   (35,635)
           
Premises and equipment, net  $24,421   $25,575 

 

Depreciation and amortization expense for the years ended December 31, 2024, 2023 and 2022 amounted to $2.2 million, $2.2 million and $2.3 million, respectively.

 

5.GOODWILL AND OTHER INTANGIBLES

 

Goodwill

 

At December 31, 2024 and December 31, 2023, the carrying value of the Company’s goodwill was $12.5 million. Goodwill is measured as the excess of the cost of a business combination over the sum of the amounts assigned to identifiable intangible assets acquired less liabilities assumed. Goodwill is not amortized but rather assessed for impairment annually or more frequently if circumstances warrant. Management has the option of first assessing qualitative factors, such as events and circumstances, to determine whether it is more likely than not, meaning a likelihood of more than 50%, the value of a reporting unit is less than its carrying amount. If, after considering all relevant events and circumstances, management determines it is not more likely than not the fair value of a reporting unit is less than its carrying amount, then performing an impairment test is unnecessary. At December 31, 2024 and December 31, 2023, the Company’s goodwill was related to the acquisition of Chicopee Bancorp, Inc. in October 2016. For the year ended December 31, 2024, management determined that it was not more likely than not the fair value of the reporting unit was less than its carrying amount. If management had determined otherwise, a fair value analysis would have been completed to determine the impairment and necessary write-down of goodwill.

 

Core Deposit Intangibles

 

In connection with the acquisition of Chicopee Bancorp, Inc., the Company recorded a core deposit intangible of $4.5 million, which is being amortized over twelve years using the straight-line method. Amortization expense was $375,000 for each of the years ended December 31, 2024, 2023 and 2022, respectively. At December 31, 2024, future amortization of the core deposit intangible totaled $375,000 for each of the next three years and $313,000 thereafter.

 

F-34
 

 

6.DEPOSITS

 

Deposit accounts, by type, are summarized as follows for the periods indicated:

 

                             
   At December 31, 
   2024   % of
Total
Deposits		   2023   % of
Total
Deposits		 
   (Dollars in thousands) 
Demand and interest-bearing checking:                    
Interest-bearing checking accounts  $150,348    6.7%  $131,031    6.1%
Demand deposit accounts   565,620    25.0%   579,595    27.0%
Savings:                    
Regular savings accounts   181,618    8.0%   187,405    8.8%
Money market accounts   661,478    29.2%   634,361    29.6%
Total core deposits   1,559,064    68.9%   1,532,392    71.5%
Time deposits   703,583    31.1%   611,352    28.5%
Total deposits  $2,262,647    100.0%  $2,143,744    100.0%

 

There were $1.7 million in brokered deposits reported within time deposits at December 31, 2024 and 2023.

 

Time deposits of $250,000 or more, which represent those exceeding the fully-insured FDIC limitation, totaled $234.4 million at December 31, 2024. Interest expense on time deposits of $250,000 or more totaled $9.1 million and $5.6 million for the years ended December 31, 2024 and 2023, respectively.

 

The scheduled maturities of time deposits for the periods indicated are as follows:

 

                   
    At December 31, 
    2024   2023 
    (Dollars in thousands) 
          
2024   $—   $596,292 
2025    694,916    9,302 
2026    5,186    3,170 
2027    1,217    798 
2028    2,129    1,790 
2029    135    — 
Total time deposits   $703,583   $611,352 

 

F-35
 

 

Interest expense on deposits for the years ended December 31, 2024, 2023 and 2022 is summarized as follows:

 

                   
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
     
Savings accounts  $166   $181   $161 
Money market accounts   12,242    9,529    3,187 
Time deposits   28,806    15,898    1,474 
Interest-bearing accounts   1,022    1,041    530 
Total  $42,236   $26,649   $5,352 

 

Cash paid for interest on deposits totaled $42.2 million, $26.4 million and $5.3 million for years ended December 31, 2024, 2023 and 2022, respectively.

 

7.SHORT-TERM BORROWINGS

 

On a long-term basis, the Company intends to continue to increase its core deposits to fund loan growth. The Company also uses FHLB borrowings as part of the Company’s overall strategy to manage interest rate risk and liquidity risk. FHLB advances are secured by a blanket security agreement which requires the Company to maintain certain qualifying assets as collateral, principally certain residential real estate loans and commercial real estate loans and securities, not otherwise pledged. The maximum amount that the FHLB will advance to member institutions, including the Company, fluctuates from time to time in accordance with the policies of the FHLB. 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. Advances are made under several different credit programs with different lending standards, interest rates and range of maturities. The Company’s relationship with the FHLB is an integral component of the Company’s asset-liability management program. At December 31, 2024, the Company pledged $906.0 million of eligible collateral to support its borrowing capacity at the FHLB.

 

Short-term FHLB advances totaled $10.0 million with a weighted average rate of 5.56% at December 31, 2023. There were no short-term FHLB advances outstanding at December 31, 2024. The Company also has a standing 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. At December 31, 2024 and 2023, the Company did not have an outstanding balance under the Ideal Way line of credit. At December 31, 2024, the Company had an immediate availability to borrow an additional $464.1 million from the FHLB, including the Ideal Way line of credit, based on qualified collateral pledged.

 

Other borrowings, held as collateral for customer swap arrangements, totaled $5.4 million with a weighted average rate of 4.33% at December 31, 2024 and $6.1 million with a weighted average rate of 5.33% at December 31, 2023, respectively.

 

As a member of the FRB, the Company may also borrow from the Federal Reserve Bank Discount Window (the “Discount Window”). At December 31, 2024 and 2023, the Company had an available line of credit of $382.9 million and $48.6 million, respectively, 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 eligible loan collateral and certain securities from the Company’s investment portfolio not otherwise pledged. At December 31, 2024 and 2023, the Company did not have an outstanding balance under the Discount Window.

 

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 December 31, 2024 and December 31, 2023, there were no advances outstanding under these lines.

 

F-36
 

 

Cash paid for interest on short-term borrowings totaled $600,000 for the year ended December 31, 2024 and $1.6 million for the year ended December 31, 2023.

 

8.LONG-TERM DEBT

 

Cash paid for interest on long-term debt totaled $9.6 million and $2.1 million for the years ended December 31, 2024 and 2023, respectively. During the year ended December 31, 2024, interest previously accrued on Bank Term Funding Program (“BTFP”) advances was payable upon final maturity of the advances in May of 2024 and totaled $4.3 million.

 

FHLB Advances. The following advances are collateralized by a blanket lien on our residential real estate loans and certain eligible commercial real estate loans.

 

    Amount   Weighted Average Rate 
    2024   2023   2024   2023 
    (Dollars in thousands)         
Fixed-rate advances maturing:                     
2024   $—   $30,646    —%   4.81%
2025    25,000    —    5.07    — 
2026    48,000    —    5.00    — 
2027    25,000    —    4.83    — 
Total long-term advances   $98,000   $30,646    4.97%   4.81%

 

BTFP Advances. The Company utilized the BTFP, which was created in March 2023 to enhance banking system liquidity by allowing institutions to pledge certain securities at par value and borrow at a rate of ten basis points over the one-year overnight index swap rate. The BTFP was available to federally insured depository institutions in the U.S., with advances having a term of up to one year with no prepayment penalties. The BTFP ceased extending new advances in March 2024. At December 31, 2023, the outstanding balance under the BTFP was $90.0 million. There was no outstanding balance at December 31, 2024.

 

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 December 31, 2024, $19.8 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 $249,000 as of December 31, 2024, which are being amortized into interest expense over the life of the Notes. Amortization of issuance costs into interest expense was $39,000 for each of the years ended December 31, 2024 and 2023.

 

F-37
 

 

9.STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN

 

Restricted Stock Awards.

 

In May 2021, the Company’s shareholders approved the 2021 Omnibus Incentive Plan, a share-based compensation plan (the “2021 Omnibus Plan”). Under the 2021 Omnibus 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 Omnibus Plan.

 

On an annual basis, the Compensation Committee (the “Committee”) approves long-term incentive awards out of the 2021 Omnibus 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.

 

2021 Long-Term Incentive Plan.

 

In May 2021, the Committee granted 122,362 shares under the 2021 Long-Term LTI Plan (the “2021 LTI Plan”). Of the 122,362 shares granted, 61,181 shares, or 50% of the shares granted, were time-based restricted shares that were scheduled to vest ratably over a three-year period. The remaining 61,181 shares, or 50% of the shares granted, were performance-based restricted shares which were subject to the achievement of the 2021 LTI Plan performance metrics.

 

The Committee selected Return on Average Equity (“ROE”) and Three-Year Cumulative Diluted Earnings per Share (“EPS”) as the primary performance metrics for the 2021 LTI Plan. Each of these two measures were independently assigned a 50% weight for determining future performance against goals. Performance-based restricted shares will be earned based upon the Company’s performance relative to Threshold, Target and Stretch absolute goals on an annual performance period for ROE metrics and for a three-year cumulative performance period for EPS. For each performance-based goal, achieving Threshold performance pays at 50% of Target value, while achieving Stretch performance pays at 150% of Target value. The performance-based shares will be certified by the Committee and distributed at the end of the three-year period as earned.

 

The Threshold, Target and Stretch metrics under the 2021 LTI Plan are as follows:

 

                 
    ROE Metrics
Performance Period Ending   Threshold   Target   Stretch   Actual  
                   
December 31, 2021   5.63%   6.25%   7.50%   10.64%  
December 31, 2022   5.85%   6.50%   7.80%   11.85%  
December 31, 2023   6.08%   6.75%   8.10%   6.47%  

 

                   
    EPS Metrics  
Performance Period Ending   Threshold   Target   Stretch   Actual  
                   
Three-Year Cumulative Diluted EPS   $1.58   $1.97   $2.36   $2.90  

 

At December 31, 2023, the three-year performance period for the 2021 LTI Plan ended. The 2021 LTI Plan included a “catch-up” provision allowing unearned performance-based restricted shares from the 2021 and 2022 performance periods to be earned at the end of the three-year period based on the ROE and EPS for the final year. At December 31, 2023, the Company achieved Stretch, and granted 69,376 performance-based restricted shares to eligible participants in the first quarter of 2024.

 

F-38
 

 

2022 Long-Term Incentive Plan.

 

In March 2022, the Committee granted 119,376 shares under the 2022 Long-Term LTI Plan (the “2022 LTI Plan”). Of the 119,376 shares granted, 59,688 shares, or 50% of the shares granted, were time-based restricted shares that are scheduled to vest ratably over a three-year period. The remaining 59,688 shares, or 50% of the shares granted, were performance-based restricted shares that are subject to the achievement of the 2022 LTI Plan performance metrics.

 

The Committee selected ROE and EPS as the primary performance metrics for the 2022 LTI Plan. Each of these two measures were independently assigned a 50% weight for determining future performance against goals. Performance-based restricted shares will be earned based upon the Company’s performance relative to Threshold, Target and Stretch absolute goals on an annual performance period for ROE metrics and for a three-year cumulative performance period for EPS. For each performance-based goal, achieving Threshold performance pays at 50% of Target value, while achieving Stretch performance pays at 150% of Target value. The performance-based restricted shares will be certified by the Committee and distributed at the end of the three-year period as earned.

 

The Threshold, Target and Stretch metrics under the 2022 LTI Plan are as follows:

 

             
    ROE 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%

 

             
    EPS Metrics
Performance Period Ending   Threshold   Target   Stretch
             
Three-Year Cumulative Diluted EPS   $2.35   $2.61   $2.85

 

At December 31, 2024, the three-year performance period for the 2022 LTI Plan ended. The Compensation Committee will certify the results of the 2022 LTI Plan on or about, but no later than March 15, 2025.

 

2022 Annual Equity Retainer.

 

In March 2022, under the Company’s 2021 Omnibus Plan, each non-employee director received an annual equity retainer of 1,975 time-based restricted shares of WNEB common stock. In total, 17,775 shares were granted and fully vested on December 31, 2022.

 

2023 Long-Term Incentive Plan.

 

In March 2023, the Committee granted 120,998 shares under the 2023 Long-Term LTI Plan (the “2023 LTI Plan”). Of the 120,998 shares granted, 60,499 shares, or 50% of the shares granted, were time-based restricted shares and vest ratably over a three-year period. The remaining 60,499 shares, or 50% of the shares granted, were performance-based restricted shares that are subject to the achievement of the 2023 LTI Plan performance metrics.

 

The Committee selected ROE and EPS as the primary performance metrics for the 2023 LTI Plan. Each of these two measures were independently assigned a 50% weight for determining future performance against goals. Performance-based restricted shares will be earned based upon the Company’s performance relative to Threshold, Target and Stretch absolute goals on an annual performance period for ROE metrics and for a three-year cumulative performance period for EPS. For each performance-based goal, achieving Threshold performance pays at 50% of Target value, while achieving Stretch performance pays at 150% of Target value. The performance-based restricted shares will be certified by the Committee and distributed at the end of the three-year period as earned.

 

F-39
 

 

The Threshold, Target and Stretch metrics under the 2023 LTI Plan are as follows:

 

             
    ROE 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%

 

             
    EPS Metrics
Performance Period Ending   Threshold   Target   Stretch
             
Three-Year Cumulative Diluted EPS   $2.39   $2.65   $2.89

 

2023 Annual Equity Retainer.

 

In March 2023, under the Company’s 2021 Omnibus Plan, each non-employee director received an annual equity retainer of 2,022 time-based restricted shares of WNEB common stock. In total, 18,198 shares were granted and fully vested on December 31, 2023.

 

2024 Long-Term Incentive Plan.

 

In March 2024, the Committee granted 146,422 shares under the 2024 Long-Term LTI Plan (the “2024 LTI Plan”). Of the 146,422 shares granted, 73,211 shares, or 50% of the shares granted, were time-based restricted shares that are scheduled to vest ratably over a three-year period. The remaining 73,211 shares, or 50% of the share granted, were performance-based restricted shares that are subject to the achievement of the 2024 LTI Plan performance metrics.

 

The Committee selected ROE and EPS as the primary performance metrics for the 2024 LTI Plan. Each of these two measures were independently assigned a 50% weight for determining future performance against goals. Performance-based restricted shares will be earned based upon the Company’s performance relative to Threshold, Target and Stretch absolute goals on an annual performance period for ROE metrics and for a three-year cumulative performance period for EPS. For each performance-based goal, achieving Threshold performance pays at 50% of Target value, while achieving Stretch performance pays at 150% of Target value. The performance-based restricted shares will be certified by the Committee and distributed at the end of the three-year period as earned.

 

The Threshold, Target and Stretch metrics under the 2024 LTI Plan are as follows:

 

             
    ROE Metrics
Performance Period Ending   Threshold   Target   Stretch
             
December 31, 2024   5.05%   5.61%   6.17%
December 31, 2025   6.18%   6.86%   7.55%
December 31, 2026   7.30%   8.11%   8.92%

 

             
   

EPS Metrics 
Performance Period Ending   Threshold   Target   Stretch
             
Three-Year Cumulative Diluted EPS   $2.25   $2.50   $2.75
             

 

F-40
 

 

2024 Annual Equity Retainer.

 

In March 2024, under the Company’s 2021 Omnibus Plan, each non-employee director received an annual equity retainer of 2,384 time-based restricted shares of WNEB common stock. In total, 21,456 shares were granted and there were 19,072 shares that fully vested on December 31, 2024.

 

At December 31, 2024, there were 123,587 remaining shares available to grant under the 2021 Omnibus Plan.

 

A summary of the status of unvested restricted stock awards at December 31, 2024 and 2023 is presented below:

 

   Shares  

Weighted Average Grant

Date Fair Value 

($) 

 
Balance at December 31, 2023   220,635    9.29 
Shares granted   187,049    8.38 
Shares forfeited   (2,384)   8.39 
Shares vested   (150,568)   8.65 
Balance at December 31, 2024   254,732    9.01 

 

   Shares  

Weighted Average Grant

Date Fair Value 

($) 

 
Balance at December 31, 2022   206,092    8.85 
Shares granted   158,957    9.79 
Shares forfeited   (4,219)   9.57 
Shares vested   (140,195)   9.21 
Balance at December 31, 2023   220,635    9.29 

 

We recorded total expense for restricted stock awards of $1.5 million, $1.4 million and $1.1 million for the years ended December 31, 2024, 2023 and 2022, respectively. The aggregate fair value of restricted stock vested during 2024 was $1.3 million. Tax benefits related to equity incentive plan expense were $29,000, $29,000 and $16,000 for the years ended December 31, 2024, 2023 and 2022, respectively. Unrecognized compensation cost for stock awards was $1.0 million at December 31, 2024 with a remaining term of 1.8 years.

 

Employee Stock Ownership Plan (“ESOP”). We established an ESOP for the benefit of each employee that has reached the age of 21 and has completed at least 1,000 hours of service in the previous 12-month period. In January 2002, as part of the initial stock conversion, we provided a loan to the ESOP Trust which was used to purchase 8%, or 1,305,359 shares, of the common stock sold in the initial public offering.

 

In January 2007, as part of the second-step stock conversion, we provided an additional loan to the ESOP Trust which was used to purchase 4.0%, or 736,000 shares, of the 18,400,000 shares of common stock sold in the offering. The 2002 and 2007 loans bear an interest rate of 8.0% and provide for annual payments of interest and principal.

 

At December 31, 2024, the remaining principal balances are payable as follows:

 

Years Ending     
December 31,   Amount 
(Dollars in thousands) 
2025   $447 
2026    447 
2027    447 
2028    447 
2029    447 
Thereafter    182 
Total   $2,417 

 

F-41
 

 

We have committed to make contributions to the ESOP sufficient to support the debt service of the loans. The loans are secured by the shares purchased, which are held in a suspense account for allocation among the participants as the loans are paid. Total compensation expense applicable to the ESOP amounted to $572,000, $562,000 and $683,000 for the years ended December 31, 2024, 2023 and 2022, respectively.

 

Shares held by the ESOP include the following at December 31, 2024 and 2023:

 

   2024   2023 
Allocated   1,182,583    1,176,311 
Committed to be allocated   71,240    74,993 
Unallocated   220,254    291,494 
Total   1,474,077    1,542,798 

 

Cash dividends declared and received on allocated shares are allocated to participants and charged to retained earnings. Cash dividends declared and received on unallocated shares are held in suspense and are applied to repay the outstanding debt of the ESOP. The fair value of unallocated shares was $2.0 million and $2.6 million at December 31, 2024 and 2023, respectively. ESOP shares are considered outstanding for earnings per share calculations when they are committed to be allocated. Unallocated ESOP shares are excluded from earnings per share calculations. The cost of unearned shares to be allocated to ESOP participants for future services not yet performed is reflected as a reduction of shareholders’ equity.

 

10.RETIREMENT PLANS AND EMPLOYEE BENEFITS

 

Pension Plan. The Westfield Bank Defined Benefit Plan (the “DB Plan”) was terminated effective October 31, 2022. During the twelve months ended December 31, 2023, the Company recognized the final termination expense of $1.1 million related to the DB Plan termination, which was recorded through non-interest income. The assets of the DB Plan were liquidated as of June 2, 2023.

 

The following table provides information related to the DB Plan for the year ended December 31, 2023:

 

   For the year ended
December 31,		 
   2023 
   (Dollars in thousands)
      
Change in benefit obligation:     
Benefit obligation at beginning of year  $24,612 
Service cost   — 
Interest   487 
Actuarial gain   (33)
Effect of settlement/curtailment   (24,886)
Benefits paid   (180)
Benefit obligation at end of year   — 
      
Change in plan assets:     
Fair value of plan assets at beginning of year   23,134 
Actual return on plan assets   671 
Employer contribution   1,261 
Benefits paid   (180)
Effect of settlement   (24,886)
Fair value of plan assets at end of year   — 
      
Funded status and accrued benefit at end of year  $— 
      
Accumulated benefit obligation at end of year  $— 

 

F-42
 

 

For the year ended December 31, 2023, the discount rate assumptions reflected the IRS 417 Segment Rates (4.48%/5.26%/5.07%) for lump sums and for annuities in the Insurance Company annuity contract.

 

Net pension cost includes the following components for the year ended December 31, 2023:

 

   For the year ended
December 31,		 
   2023 
    (Dollars in thousands) 
      
Service cost  $— 
Interest cost   487 
Expected return on assets   (333)
Amortization of actuarial loss   — 
Net periodic pension cost  $154 

 

The following actuarial assumptions were used in determining the net periodic pension cost for the year ended December 31, 2023:

 

   Year Ended
December 31,		 
   2023 
Discount rate   5.05%
Expected return on plan assets   3.70 
Rate of compensation increase   N/A 

 

401(k) Defined Contribution Plan.

 

The Company also maintains a tax-qualified defined contribution plan through a third party provider (the “401(k) Plan”) that provides for deferral of federal and state income taxes on employee contributions allowed under Section 401(k) of the Internal Revenue Code. Participants may make pre-tax salary deferrals to the plan not to exceed the annual IRS limits. Effective January 1, 2023, the Company converted to a Safe Harbor 401(k) Plan. In addition to salary deferrals, the Company will match up to 100% of the first 4% of the participant’s eligible compensation (for a total maximum employer matching contribution of 4% of a participant’s eligible compensation). In addition, on an annual basis, the Company may make a discretionary profit share contribution to each participant.

 

The Company’s expense for the 401(k) plan match was $773,000, $736,000 and $470,000 for the years ended December 31, 2024, 2023 and 2022, respectively. The Company’s expense for the 401(k) discretionary profit share contribution was $598,000 and $675,000 for the years ended December 31, 2024 and 2023, respectively. The discretionary profit share contribution expensed during the year ended December 31, 2024 is expected to be made during the first quarter of 2025.

 

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.

 

F-43
 

 

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.

 

In October of 2024, $200 million in notional amount of designated fair value hedges matured. As of December 31, 2024, the Company did not have any outstanding fair value hedges on the balance sheet. As of December 31, 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 December 31, 2023   At December 31, 2023 
   (Dollars in thousands) 
     
 Loans  $199,393   $(607)
Total  $199,393   $(607)

 

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 December 31, 2023, the amortized cost basis of the closed portfolios used in these hedging relationships was $461.2 million; the cumulative basis adjustments associated with these hedging relationships was approximately $607,000; and the notional amount of the designated hedged items were $200 million. 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.

 

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 tables below present 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 December 31, 2024 and December 31, 2023.

 

F-44
 

 
December 31, 2024  Asset Derivatives    Liability Derivatives  
   Balance Sheet
Location		  Fair Value   Balance Sheet
Location		  Fair Value 
   (Dollars in thousands)
    
Derivatives not designated as hedging instruments:   
Interest rate swap – with customer counterparties     $—       5,883 
Interest rate swap – with dealer counterparties      5,883       — 
 Total derivatives  Other Assets  $5,883   Other Liabilities  $5,883 

 

December 31, 2023

 

  Asset Derivatives    Liability Derivatives  
   Balance Sheet
Location		  Fair Value   Balance Sheet
Location		  Fair Value 
   (Dollars in thousands)
Hedging Derivatives                
Interest rate swaps - fair value hedges     $651      $— 
Derivatives not designated as hedging instruments:                
Interest rate swap – with customer counterparties      —       5,239 
Interest rate swap – with dealer counterparties      5,239       — 
 Total derivatives  Other Assets  $5,890   Other Liabilities  $5,239 

 

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 December 31, 2024, 2023 and 2022.

 

                       
   Location and Amount of Gain (Loss) Recognized in Income
on Fair Value Hedging Relationships		 
   Year Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
     
Balance sheet location  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  $1,398   $1,085   $— 
                
Gain (loss) on fair value hedging relationships               
Interest rate contracts:               
Hedged items  $607   $(607)   — 
Derivatives designated as hedging instruments   791    1,692    — 

 

There were no gains or losses recognized in accumulated other comprehensive income during the years ended December 31, 2024 and 2023, respectively.

 

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.

 

F-45
 

 

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 December 31, 2024, we had minimum collateral posting thresholds with certain of our derivative counterparties. As of December 31, 2024, 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.LEASES

 

The Company has lease agreements with lease and non-lease components, which are generally accounted for separately. We have not elected the practical expedient to account for lease and non-lease components as one lease component. The Company has operating leases for certain of our banking offices and ATMs. Our leases have remaining lease terms of less than one year to fourteen years, some of which include options to extend the leases for additional five-year terms up to ten years. Operating lease costs were $1.6 million, $1.6 million, and $1.5 million for the years ended December 31, 2024, 2023 and 2022, respectively.

 

Supplemental cash flow information related to leases was as follows:

 

               
   Year Ended December 31, 
   2024   2023 
   (Dollars in thousands) 
         
Cash paid for amounts included in the measurement of lease liabilities:          
 Operating cash flows from operating leases  $1,524   $1,488 
ROU assets obtained in exchange for lease obligations:          
Operating leases   451    412 

 

Supplemental balance sheet information related to leases was as follows:

 

   December 31, 2024   December 31, 2023 
   (Dollars in thousands) 
         
Operating lease ROU assets  $7,383   $8,201 
Operating lease liabilities  $7,673   $8,471 

 

The weighted average remaining lease term for our operating leases was 8.4 years with a weighted average discount rate of 3.33% at December 31, 2024.

 
F-46
 

 

Future undiscounted lease payments for the Company’s operating lease liabilities were as follows (in thousands):

      
Years Ending December 31,     
2025   $1,474 
2026    1,358 
2027    1,099 
2028    861 
2029    821 
Thereafter    3,262 
Total lease payments    8,875 
Less imputed interest    (1,202)
Total   $7,673 

 

13.REGULATORY CAPITAL

 

The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on our consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to savings and loan holding companies.

 

Federal banking regulations require the Company and the Bank to maintain minimum amounts and ratios of total, common equity Tier 1, Tier 1 and total capital to risk-weighted assets and Tier 1 capital to average assets, as set forth in the table below. Additionally, community banking institutions must maintain a capital conservation buffer of common equity Tier 1 capital in an amount greater than 2.5% of total risk-weighted assets to avoid being subject to limitations on capital distributions and discretionary bonuses.

 

At December 31, 2024, we exceeded each of the applicable regulatory capital requirements including the capital conservation buffer. As of December 31, 2024, 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.

 

Our actual capital ratios of December 31, 2024 and December 31, 2023 are also presented in the following table.

 

F-47
 
   Actual   Minimum For Capital
Adequacy Purpose		   Minimum To Be Well
Capitalized Under Prompt
Corrective Action Provisions		 
   Amount   Ratio   Amount   Ratio   Amount   Ratio 
   (Dollars in thousands) 
December 31, 2024                        
Total Capital (to Risk Weighted Assets):                              
Consolidated  $285,545    14.38%  $158,884    8.00%    N/A      N/A  
Bank   270,879    13.65    158,744    8.00   $198,430    10.00%
Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,663    12.37    119,163    6.00     N/A      N/A  
Bank   250,748    12.64    119,058    6.00    158,744    8.00 
Common Equity Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,663    12.37    89,372    4.50     N/A      N/A  
Bank   250,748    12.64    89,293    4.50    128,979    6.50 
Tier 1 Leverage Ratio (to Adjusted Average Assets):                              
Consolidated   245,663    9.14    107,461    4.00     N/A      N/A  
Bank   250,748    9.34    107,390    4.00    134,237    5.00 

 

   Actual   Minimum For Capital
Adequacy Purpose		   Minimum To Be Well
Capitalized Under Prompt
Corrective Action Provisions		 
   Amount   Ratio   Amount   Ratio   Amount   Ratio 
   (Dollars in thousands) 
December 31, 2023                        
Total Capital (to Risk Weighted Assets):                              
Consolidated  $285,760    14.67%  $155,873    8.00%    N/A      N/A  
Bank   271,420    13.94    155,711    8.00   $194,639    10.00%
Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,363    12.59    116,905    6.00     N/A      N/A  
Bank   250,734    12.88    116,783    6.00    155,711    8.00 
Common Equity Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,363    12.59    87,679    4.50     N/A      N/A  
Bank   250,734    12.88    87,587    4.50    126,515    6.50 
Tier 1 Leverage Ratio (to Adjusted Average Assets):                              
Consolidated   245,363    9.40    104,400    4.00     N/A      N/A  
Bank   250,734    9.62    104,290    4.00    130,363    5.00 

 

The following is a reconciliation of our GAAP capital to regulatory Tier 1, Common Equity Tier 1 and total capital:

 

               
   December 31, 
   2024   2023 
   (Dollars in thousands) 
     
Consolidated GAAP capital  $235,910   $237,409 
Net unrealized losses on available-for-sale securities, net of tax   23,274    21,744 
Goodwill   (12,487)   (12,487)
Intangible assets, net of associated deferred tax liabilities   (1,034)   (1,303)
Tier 1 and Common Equity Tier 1 capital   245,663    245,363 
Allowance for credit losses for regulatory capital   20,131    20,685 
Subordinated debt   19,751    19,712 
Total regulatory capital  $285,545   $285,760 

 

F-48
 

 

On May 22, 2024, the Board of Directors authorized a new stock repurchase plan (the “2024 Plan”) under which the Company may repurchase up to 1.0 million shares, or approximately 4.6%, of the Company’s then-outstanding shares of common stock.

 

During the three months ended December 31, 2024, the Company repurchased 220,000 shares of common stock under the 2024 Plan, with an average price per share of $9.00. During the twelve months ended December 31, 2024, the Company repurchased 934,282 shares of common stock under the 2024 Plan and the previously existing share repurchase plan, as applicable, with an average price per share of $7.94. As of December 31, 2024, there were 472,318 shares of common stock available for repurchase under the 2024 Plan.

 

We are subject to dividend restrictions imposed by various regulators, including a limitation on the total of all dividends that the Bank may pay to the Company in any calendar year, to an amount that shall not exceed the Bank’s net income for the current year, plus its net income retained for the two previous years, without regulatory approval. At December 31, 2024, the Bank had $5.3 million in retained earnings available for payment of dividends without prior regulatory approval. In addition, the Bank may not declare or pay dividends on, and we may not repurchase, any of our shares of common stock if the effect thereof would cause shareholders’ equity to be reduced below applicable regulatory capital maintenance requirements or if such declaration, payment or repurchase would otherwise violate regulatory requirements. The Bank will be prohibited from paying cash dividends to the Company to the extent that any such payment would reduce the Bank’s capital below required capital levels. Accordingly, $159.0 million and $156.0 million of our equity in the net assets of the Bank was restricted at December 31, 2024 and 2023, respectively.

 

 

14.INCOME TAXES

 

Income taxes consist of the following:

 

                       
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
             
Current tax provision:               
Federal  $2,089   $2,990   $5,251 
State   1,024    1,335    2,403 
Total   3,113    4,325    7,654 
                
Deferred tax provision:               
Federal   123    94    712 
State   55    97    376 
Total   178    191    1,088 
Total tax provision  $3,291   $4,516   $8,742 

 

The differences between the statutory federal income tax at a rate of 21% and the effective tax are summarized below:

 

                       
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
             
Statutory federal income tax  $3,141   $4,113   $7,272 
Increase (decrease) resulting from:               
State taxes, net of federal tax benefit   853    1,244    2,195 
Tax-exempt income   (340)   (340)   (360)
Bank-owned life insurance (BOLI)   (401)   (382)   (362)
BOLI death benefit   —    (163)   — 
Option exercise tax (benefit) shortfall   —    —    (28)
Other, net   38    44    25 
Effective tax  $3,291   $4,516   $8,742 

 

F-49
 

 

Cash paid for income taxes for the years ended December 31, 2024, 2023 and 2022 was $2.9 million, $4.6 million and $7.4 million, respectively.

 

The tax effects of each item that gives rise to deferred taxes are as follows:

 

               
   December 31, 
   2024   2023 
   (Dollars in thousands) 
         
Deferred tax assets:          
Net unrealized loss on available-for-sale securities  $7,962   $7,422 
Allowance for credit losses   5,702    5,865 
Lease liability   2,157    2,381 
Employee benefit and share-based compensation plans   1,154    1,272 
Accrued expenses   599    450 
Nonperforming interest   292    264 
FDIC assessment   103    95 
Interest payable   90    73 
Purchased mortgage servicing rights   66    38 
Other   203    277 
Gross deferred tax assets   18,328    18,137 
           
Deferred tax liabilities:          
Lease right-of-use asset   (2,075)   (2,305)
Purchase accounting adjustments, net   (774)   (867)
Deferred loan fees   (914)   (804)
Fixed asset depreciation   (533)   (494)
Other   (35)   (31)
Gross deferred tax liabilities   (4,331)   (4,501)
           
Net deferred tax asset  $13,997   $13,636 
           

 

The federal income tax reserve for loan losses at the Bank’s base year is $9.4 million. If any portion of the reserve is used for purposes other than to absorb loan losses, approximately 150% of the amount actually used, limited to the amount of the reserve, would be subject to taxation in the fiscal year in which used. As the Bank intends to use the reserve solely to absorb loan losses, a deferred tax liability of $2.6 million has not been provided.

 

We did not have any uncertain tax positions at December 31, 2024 or 2023 which required accrual or disclosure. We record interest and penalties as part of income tax expense. There were no interest or penalties recorded for the years ended December 31, 2024, 2023 and 2022.

 

Our income tax returns are subject to review and examination by federal and state tax authorities. We are currently open to audit under the applicable statutes of limitations by the Internal Revenue Service for the years ended December 31, 2021 through 2024. The years open to examination by state taxing authorities vary by jurisdiction; however, no years prior to 2021 are open.

  

F-50
 

 

15.TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS

 

We have had, and expect to have in the future, loans with our directors and executive officers including their affiliates. Such loans, in our opinion, do not include more than the normal risk of collectability or other unfavorable features. Following is a summary of activity for such loans:

 

               
   Years Ended December 31, 
   2024   2023 
   (Dollars in thousands) 
         
Balance at beginning of year  $561   $545 
Principal distributions   50    1 
Repayments of principal   (246)   (42)
Change in related party status   —    57 
           
Balance at end of year   $365   $561 

 

16.COMMITMENTS AND CONTINGENCIES

 

Loan Commitments.

 

In the normal course of business, various commitments and contingent liabilities are outstanding, such as standby letters of credit and commitments to extend credit with off-balance-sheet risk that are not reflected in the consolidated financial statements. Financial instruments with off-balance-sheet risk involve elements of credit, interest rate, liquidity and market risk.

 

We do not anticipate any significant losses as a result of these transactions. The following summarizes these financial instruments and other commitments and contingent liabilities at their contract amounts:

 

   December 31, 
   2024   2023 
   (Dollars in thousands) 
Commitments to extend credit:          
Unused lines of credit  $343,078   $352,462 
Loan commitments   56,183    37,814 
Existing construction loan agreements   47,398    31,829 
Standby letters of credit   18,773    22,393 

 

We use the same credit policies in making commitments and conditional obligations as for on balance sheet instruments.

 

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some commitments expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. We evaluate each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by us upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment, and income-producing commercial properties.

 

Standby letters of credit are written conditional commitments that guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. At December 31, 2024 and 2023, outstanding standby letter of credit commitments totaled $18.8 million and $22.4 million, respectively, with standby letters of credit issued by the FHLB on our behalf totaling $11.8 million and $15.3 million, respectively.

 

At December 31, 2024, outstanding commitments to extend credit totaled $465.4 million, with $33.9 million in fixed rate commitments with interest rates ranging from 3.25% to 18.00% and $431.5 million in variable rate commitments. At December 31, 2023, outstanding commitments to extend credit totaled $444.5 million, with $52.8 million in fixed rate commitments with interest rates ranging from 1.99% to 18.00% and $391.7 million in variable rate commitments.

 

F-51
 

 

We also have risk participation agreements (“RPAs”) with another financial institution. The RPAs are a guarantee to share credit risk associated with an interest rate swap on participation loans in the event of counterparty default. As such, we accept a portion of the credit risk in order to participate in the loans and we receive a one-time fee. The interest rate swap is collateralized (generally by real estate or business assets) by us and the third party, which limits the credit risk associated with the RPAs. Per the terms of the RPAs, we must pledge collateral equal to our exposure for the interest rate swap. We monitor overall collateral as part of our off-balance sheet liability analysis, and at December 31, 2024, believe sufficient collateral is available to cover potential swap losses.

 

In the ordinary course of business, we are party to various legal proceedings, none of which, in our opinion, will have a material effect on our consolidated financial position or results of operations.

 

Vendor Contract.

 

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 December 31, 2024 were estimated to be $7.1 million, with $6.1 million expected to be paid within one year and the remaining $1.0 million to be paid within the next three years.

 

Investment Commitments.

 

The Bank is a limited partner in a Small Business Investment Company (“SBIC”) and committed to contribute capital of $7.5 million to the partnership. At December 31, 2024, the SBIC currently has a book value of $3.7 million and is included in other assets. The unfunded commitment to the partnership was $3.8 million at December 31, 2024.

 

Employment and change of control agreements.

 

We have entered into employment and change of control agreements with certain senior officers. The initial term of the employment agreements is for three years subject to separate one-year extensions as approved by the Board of Directors at the end of each applicable fiscal year. Each employment agreement provides for minimum annual salaries, discretionary cash bonuses and other fringe benefits as well as severance benefits upon certain terminations of employment that are not for cause. The change of control agreements expire one year following a notice of non-extension and only provide for severance benefits upon certain terminations of employment that are not for cause and that are related to a change of control of the Company or the Bank.

 

17.FAIR VALUE OF ASSETS AND LIABLITIES

 

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.

 

F-52
 

 

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:

 

                               
   December 31, 2024 
   Level 1   Level 2   Level 3   Total 
   (Dollars in thousands) 
Assets:    
Securities available-for-sale  $—   $160,704   $—   $160,704 
Marketable equity securities   397    —    —    397 
Interest rate swaps   —    5,883    —    5,883 
Total assets  $397   $166,587   $—   $166,984 
                     
Liabilities:                    
Interest rate swaps  $—   $5,883   $—   $5,883 

 

                               
   December 31, 2023 
   Level 1   Level 2   Level 3   Total 
   (Dollars in thousands) 
Assets:    
Securities available-for-sale  $—   $137,115   $—   $137,115 
Marketable equity securities   196    —    —    196 
Interest rate swaps   —    5,890    —    5,890 
Total assets  $196   $143,005   $—   $143,201 
                     
Liabilities:                    
Interest rate swaps  $—   $5,239   $—   $5,239 
                     

 

There were no transfers to or from Level 1 and 2 for assets measured at fair value on a recurring basis during the years ended December 31, 2024 and 2023.

 

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 December 31, 2024 and 2023.

 

F-53
 

 
       Year Ended 
   At December 31, 2024   December 31, 2024 
               Total 
   Level 1   Level 2   Level 3   Losses 
   (Dollars in thousands)   (Dollars in thousands) 
         
Collateral dependent loans  $—   $—   $325   $182 

 

       Year Ended 
   At December 31, 2023   December 31, 2023 
               Total 
   Level 1   Level 2   Level 3   Losses 
   (Dollars in thousands)   (Dollars in thousands) 
         
Collateral dependent loans  $—   $—   $1,100   $2,178 

 

The amount of impaired loans represents the carrying value, net of the related write-down or valuation allowance of collateral dependent loans for which adjustments are based on the estimated fair value of the underlying collateral. The fair value of collateral dependent loans with specific allocations of the allowance for loan 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:

 

                                       
  

December 31, 2024 

 
   Carrying
Value		   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (Dollars in thousands) 
Assets:                    
Cash and cash equivalents  $66,450   $66,450   $—   $—   $66,450 
Securities held-to-maturity   205,036    4,727    160,879    —    165,606 
Securities available-for-sale   160,704    —    160,704    —    160,704 
Marketable equity securities   397    397    —    —    397 
FHLB and other restricted stock   5,818    —    —    5,818    5,818 
Loans - net   2,050,660    —    —    1,894,621    1,894,621 
Accrued interest receivable   8,468    —    —    8,468    8,468 
Mortgage servicing rights   436    —    826    —    826 
 Derivative asset   5,883    —    5,883    —    5,883 
                          
Liabilities:                         
Deposits   2,262,647    —    —    2,261,666    2,261,666 
Short-term borrowings   5,390    —    5,390    —    5,390 
Long-term debt   98,000    —    98,835    —    98,835 
Subordinated debt   19,751    —    15,876    —    15,876 
Accrued interest payable   903    —    —    903    903 
Derivative liabilities   5,883    —    5,883    —    5,883 

 

F-54
 

 
                                       
   December 31, 2023 
   Carrying
Value		   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (Dollars in thousands) 
Assets:                    
Cash and cash equivalents  $28,840   $28,840   $—   $—   $28,840 
Securities held-to-maturity   223,370    9,450    178,242    —    187,692 
Securities available-for-sale   137,115    —    137,115    —    137,115 
Marketable equity securities   196    196    —    —    196 
FHLB and other restricted stock   3,707    —    —    3,707    3,707 
Loans - net   2,007,050    —    —    1,841,913    1,841,913 
Accrued interest receivable   8,528    —    —    8,528    8,528 
Mortgage servicing rights   422    —    724    —    724 
 Derivative asset   5,890    —    5,890    —    5,890 
                          
Liabilities:                         
Deposits   2,143,744    —    —    2,140,930    2,140,930 
Short-term borrowings   16,100    —    16,100    —    16,100 
Long-term debt   120,646    —    120,460    —    120,460 
Subordinated debt   19,712    —    17,938    —    17,938 
Accrued interest payable   3,310    —    —    3,310    3,310 
Derivative liabilities   5,239    —    5,239    —    5,239 
                          

Limitations. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time our entire holdings of a particular financial instrument. Where quoted market prices are not available, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment. Changes in assumptions could significantly affect the estimates.

 

18.SEGMENT

 

The Company operates as a single reportable segment under ASC 280, as the Chief Operating Decision Maker (“CODM”) reviews financial performance and allocates resources based on the consolidated results of the Company as a whole. The Company, through its bank subsidiary, provides banking services to individuals and companies primarily in Hampden County and Hampshire County in western Massachusetts and Hartford County and Tolland County in northern Connecticut. These services include commercial lending, residential lending and consumer lending, checking, savings, time deposits, cash management, and wealth management. The CODM primarily evaluates performance using net interest income and net income as reported in the consolidated statement of income. The Company’s primary measure of profitability is net interest and dividend income. Net interest and dividend income is the difference between the interest income earned on interest-earning assets and the interest paid on interest-bearing liabilities. Interest-earning assets consist primarily of commercial real estate loans, commercial and industrial loans, residential real estate loans and securities. Interest-bearing liabilities consist primarily of time deposits and money market accounts, demand deposits, savings accounts and borrowings from the FHLB. The consolidated results of operations also depend on the provision for credit losses, non-interest income, and non-interest expense. In addition, the CODM considers net income as a key measure of overall financial performance. The Company’s CODM consists of members of the Senior Management team, including the Chief Executive Officer, the Chief Financial Officer, the Chief Banking Officer and the Chief Lending Officer.

 

F-55
 

 

19.CONDENSED PARENT COMPANY FINANCIAL STATEMENTS

 

The condensed balance sheets of the parent company are as follows:

 

           
   December 31, 
   2024   2023 
   (Dollars in thousands) 
ASSETS:        
Cash equivalents  $422   $940 
Investment in subsidiaries   240,994    242,780 
ESOP loan receivable   2,417    3,050 
Other assets   14,575    13,780 
TOTAL ASSETS  $258,408   $260,550 
           
LIABILITIES:          
ESOP loan payable  $2,417   $3,050 
Other liabilities   20,081    20,091 
EQUITY   235,910    237,409 
TOTAL LIABILITIES AND EQUITY  $258,408   $260,550 

 

The condensed statements of net income for the parent company are as follows:

 

                     
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
INCOME:            
Dividends from subsidiaries  $14,209   $12,119   $8,152 
ESOP loan interest income   244    296    349 
Other income   11    36    2 
Total income   14,464    12,451    8,503 
                
OPERATING EXPENSE:               
Salaries and employee benefits   1,408    1,761    2,011 
ESOP loan interest expense   244    296    349 
Other expenses   1,285    1,310    1,283 
Total operating expense   2,937    3,367    3,643 
                
Income before equity in undistributed income of subsidiaries and income taxes   11,527    9,084    4,860 
Equity in undistributed income of subsidiaries   (255)   5,591    20,595 
Net income before taxes   11,272    14,675    25,455 
Income tax benefit   (394)   (393)   (432)
Net income  $11,666   $15,068   $25,887 

 

F-56
 

 

The condensed statements of cash flows of the parent company are as follows:

 

                       
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
OPERATING ACTIVITIES:               
Net income  $11,666   $15,068   $25,887 
Equity in undistributed income of subsidiaries   255    (5,591)   (20,595)
Net amortization of premiums on subordinated debt   39    39    40 
Change in other liabilities   (844)   (881)   (642)
Change in other assets   (162)   651    694 
Other, net   2,041    1,979    1,757 
 Net cash provided by operating activities   12,995    11,265    7,141 
                

INVESTING ACTIVITIES: 

               
Purchase of securities   (82)   (103)   (107)
Sales of securities   82    103    107 
Net cash provided by investing activities   —    —    — 
                

FINANCING ACTIVITIES: 

               
Cash dividends paid   (5,914)   (6,066)   (5,281)
Common stock repurchased   (7,599)   (5,022)   (6,351)
Issuance of common stock in connection with stock option exercises   —    —    1,171 
Net cash used in financing activities   (13,513)   (11,088)   (10,461)
                
NET CHANGE IN CASH AND CASH EQUIVALENTS   (518)   177    (3,320)
                
CASH AND CASH EQUIVALENTS               
Beginning of year   940    763    4,083 
End of year  $422   $940   $763 
Supplemental cash flow information:               
Net change in due to broker for common stock repurchased  $163   $—   $— 

 

20.SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED)

 

The following tables present a summary of our quarterly financial information for the periods indicated. The year-to-date totals may differ slightly due to rounding. All unaudited interim financial statements furnished shall reflect all adjustments which are, in the opinion of management, necessary to a fair statement of the results for interim periods presented and are of a normal and recurring nature, unless otherwise noted.

 

F-57
 

 
                             
   2024 
   First Quarter   Second Quarter   Third Quarter   Fourth Quarter 
   (Dollars in thousands, except per share amounts) 
     
Interest and dividend income  $26,604   $26,802   $27,840   $28,586 
Interest expense   11,258    12,332    13,112    13,313 
                     
Net interest and dividend income   15,346    14,470    14,728    15,273 
                     
(Reversal of) provision for credit losses   (550)   (294)   941    (762)
                     
Loss on disposal of premises and equipment   (6)   —    —    — 
Unrealized gain (loss) on marketable equity securities, net   8    4    10    (9)
Gain on non-marketable equity investments   —    987    —    300 
Gain (loss) on sale of mortgages   —    —    246    (11)
Other non-interest income   2,672    2,843    2,885    2,974 
Non-interest income   2,674    3,834    3,141    3,254 
                     
Non-interest expense   14,782    14,314    14,406    14,926 
                     
Income before income taxes   3,788    4,284    2,522    4,363 
Income tax provision   827    771    618    1,075 
Net income  $2,961   $3,513   $1,904   $3,288 
                     
Basic earnings per share  $0.14   $0.17   $0.09   $0.16 
Diluted earnings per share  $0.14   $0.17   $0.09   $0.16 

 

F-58
 

 

                               
   2023 
   First Quarter   Second Quarter   Third Quarter   Fourth Quarter 
   (Dollars in thousands, except per share amounts) 
     
Interest and dividend income  $23,638   $24,809   $25,901   $26,770 
Interest expense   5,134    7,963    9,518    10,594 
                     
Net interest and dividend income   18,504    16,846    16,383    16,176 
                     
(Reversal of) provision for credit losses   (388)   420    354    486 
                     
Loss on disposal of premises and equipment   —    —    (3)   — 
Unrealized loss on marketable equity securities, net   —    —    —    (1)
Gain on non-marketable equity investments   352    —    238    — 
Loss on defined benefit plan termination(1)   —    (1,143)   —    — 
Gain on bank-owned life insurance death benefit(2)   —    —    778    — 
Other non-interest income   2,627    2,735    2,599    2,715 
Non-interest income   2,979    1,592    3,612    2,714 
                     
Non-interest expense   14,896    14,551    14,118    14,785 
                     
Income before income taxes   6,975    3,467    5,523    3,619 
Income tax provision   1,671    704    1,033    1,108 
Net income  $5,304   $2,763   $4,490   $2,511 
                     
Basic earnings per share  $0.24   $0.13   $0.21   $0.12 
Diluted earnings per share  $0.24   $0.13   $0.21   $0.12 

 

 

(1)The decrease in non-interest income for the three months ended June 30, 2023 was due to a one-time, non-recurring final termination expense of $1.1 million resulting from the termination of the Company’s defined benefit pension plan.

(2)The increase in non-interest income for the three months ended September 30, 2023 was due to a non-taxable gain on bank-owned life insurance.

 

F-59
 EX-4.2 2 ex4-2.htm DESCRIPTION OF SECURITIES REGISTERED UNDER SECTION 12

 

 

Western New England Bancorp, Inc. 10-K

 

Exhibit 4.2

 

 

DESCRIPTION OF SECURITIES REGISTERED UNDER 

SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934

 

The following description is a general summary of the terms of Western New England Bancorp, Inc.’s common stock. The description below does not purport to be complete and is subject to and qualified in its entirety by reference to our Restated Articles of Organization (the “Charter”) and Amended and Restated Bylaws (the “Bylaws”), copies of which are filed as exhibits to this Annual Report on Form 10-K. The description below does not contain all of the information that you might find useful or that might be important to you. You should refer to the provisions of our Charter and Bylaws because they, and not the summaries, define the rights of holders of shares of our common stock. All references to the “Corporation,” “we,” “us” and “our” refer to Western New England Bancorp, Inc. Capitalized terms that are not otherwise defined have the meaning assigned to them in the Charter and Bylaws.

 

 General

 

Our authorized capital stock currently consists of seventy-five million 75,000,000 shares of common stock having a par value of $0.01 per share and five million 5,000,000 shares of preferred stock having a par value of $0.01 per share. As of March 3, 2025, there were 20,748,498 shares of common stock issued and outstanding.

 

Each share of our common stock has the same relative rights as, and is identical in all respects to, every other share of common stock.

 

The shares of common stock:  

 

  ● are not deposit accounts and are subject to investment risk;

 

  ● are not insured or guaranteed by the FDIC, or any other government agency; and  

 

  ● are not guaranteed by us.

 

Voting Rights

 

Holders of our common stock possess exclusive voting rights in the Corporation. They elect our Board of Directors and act on such other matters as are required to be presented to them under Massachusetts law or our Charter or as are otherwise presented to them by the Board of Directors. Holders of our common stock are entitled to one vote per share and do not have any right to cumulate their votes for the election of directors. Under certain circumstances, shares in excess of 10% of our common stock may be considered “Excess Shares” and the holders thereof shall be entitled to cast only one one-hundredth of one vote (1/100) per share for each Excess Share. If we issue preferred stock, holders of the preferred stock may also possess voting rights. Subject to certain limited exceptions, whenever any corporate action is taken by a vote of shareholders, it will be authorized by the affirmative vote of a majority of the votes present and cast at a properly called meeting of shareholders. Certain matters, including the removal of directors, the approval of business combinations and amending the Charter or Bylaws, may require either an 80% or a two-thirds shareholder vote.

 

Liquidation

 

Holders of our common stock, together with the holders of any class or series of stock entitled to participate with the holders of our common stock in the distribution of assets in the event of any liquidation, dissolution or winding-up of us, whether voluntary or involuntary, will be entitled to participate equally in the distribution of any of our assets remaining after we have paid, or provided for the payment of, all of our debts and liabilities. If preferred stock is issued, the holders thereof may have a priority over the holders of the common stock in the event of the liquidation or dissolution. 

 

 

   
 

 

Dividends

 

We can pay dividends out of statutory surplus or from net profits if, as and when declared by our Board of Directors. Our payment of dividends is subject to limitations which are imposed by law. The owners of our common stock are entitled to receive and share equally in such dividends as may be declared by the Board of Directors out of funds legally available therefor. If we issue preferred stock, the holders of the preferred stock may have a priority over the holders of the common stock with respect to dividends.

 

Miscellaneous

 

Holders of the common stock of the Corporation are not entitled to preemptive rights with respect to any shares which may be issued. The common stock is not subject to redemption.

 

Certain Important Charter Provisions

 

Directors

 

Certain provisions of our Charter and Bylaws impede changes in control of the Board of Directors. Our Charter provides for the division of our Board of Directors into three classes, with directors in each class elected for three-year staggered terms. Thus, it would take two annual elections to replace a majority of our Board of Directors. The Charter provides that the size of the Board of Directors may be increased or decreased only by a majority vote of the Board of Directors. The Charter also provides that any vacancy occurring in the Board of Directors, including a vacancy created by an increase in the number of directors, shall be filled for the remainder of the unexpired term by a majority vote of the directors then in office. Finally, the Charter and Bylaws impose notice and information requirements in connection with the nomination by shareholders of candidates for election to the Board of Directors or the proposal by shareholders of business to be acted upon at an annual meeting of shareholders.

 

Restrictions on Call of Special Meetings

 

The Charter provides that a special meeting of shareholders may be called by a majority of the authorized Board of Directors or the affirmative vote of a majority of the disinterested directors then in office, or, upon written application, by shareholders holding at least 80% of the capital stock entitled to vote at the meeting.

 

Shareholder Vote Required to Approve Business Combinations with Interested Shareholders

 

The Charter requires the approval of the holders of at least 80% of our outstanding shares of voting stock to approve certain Business Combinations (as defined in the Charter) and related transactions. The vote of at least 80% of the shareholders is required in connection with any transaction involving an Interested Shareholder (as defined below) except in cases where the proposed transaction has been approved in advance by a majority of those members of our Board of Directors who are unaffiliated with the Interested Shareholder and were directors prior to the time when the Interested Shareholder became an Interested Shareholder. However, if the proposed transaction meets the conditions set forth in the Charter designed to afford the shareholders a fair price in consideration for their shares, approval of the majority of the outstanding shares of voting stock would be sufficient. The term “Interested Shareholder” is defined to include, among others, any individual, corporation, partnership or other entity (other than the Corporation or its subsidiary or any employee benefit plan maintained by us or our subsidiaries) which owns beneficially or controls, directly or indirectly, more than 5% of the outstanding shares of voting stock of the Corporation.

 

NASDAQ Stock Market Listing

 

Our common stock is traded on the NASDAQ Stock Market under the symbol “WNEB.”

 

Transfer Agent and Registrar And Exchange Agent

 

The transfer agent and registrar and exchange agent for our common stock is Computershare Shareholder Services.

 

 

   

 

 EX-19.1 3 ex19-1.htm WESTERN NEW ENGLAND BANCORP, INC. INSIDER TRADING POLICY

 

Western New England Bancorp, Inc. 10-K

 

Exhibit 19.1

  

WESTERN NEW ENGLAND BANCORP, INC.

 

INSIDER TRADING POLICY

 

 

 

Statement of Policy

 

Western New England Bancorp, Inc. (the “Company”) has adopted this Insider Trading Policy (“Policy”) to promote compliance with relevant securities trading laws, to avoid inadvertent violations of the law and to avoid even the appearance of impropriety on the part of any director, officer or employee of the Company or its subsidiaries. Under federal securities laws, it is generally illegal for any person to trade in the Company’s securities, or any other company, while in possession of Material Non-Public Information (“MNPI”) concerning that company. It is also illegal for any such person to give MNPI about the Company, or any other company, to others who then trade on the basis of that information. The consequences for violating federal securities laws can be severe for both individuals engaging in such behavior and for the Company.

 

Transactions Subject to the Policy

 

This Policy applies to all transactions in the Company’s securities, including common stock, options for common stock, any securities that are exercisable for or convertible or exchangeable into shares of the Company’s common stock and any other securities the Company may issue from time to time, whether held individually or within any benefit plan adopted by the Company.

 

Persons Subject to the Policy

 

This Policy applies to (i) all officers of the Company and its subsidiaries, (ii) all members of the Company’s Board of Directors and (iii) all employees of the Company and its subsidiaries (collectively “Insiders”). The Company may also determine that other persons should be subject to this Policy, such as consultants and contractors to, the Company and its subsidiaries, who receive or have access to MNPI regarding the Company.

 

Transactions by Entities That You Influence or Control and Family Members and Others

 

This Policy applies to any transactions by entities over which you exercise control. This Policy also applies to transactions by any such person residing in your household and any family members who do not live in your household but whose transactions in the Company’s securities are directed by you or are subject to your influence or control. You are responsible for the transactions of these other persons and therefore should make them aware of the need to confer with you before they trade in the Company’s securities, and you should treat all transactions for the purposes of this Policy and applicable securities laws as if the transactions were for your own account. This Policy does not, however, apply to personal securities transactions of household members where the purchase or sale decision is made by a third party not controlled or influenced by or related to you or your household members.

 

Applicability of Policy to Former Insiders

 

This Policy continues to apply to transactions in securities of the Company even after termination of service to the Company. Any person who possesses MNPI regarding the Company may not trade in securities of the Company for so long as the information is not publicly known. Any employee can be in possession of MNPI from time to time, and would at those times be subject to this Policy. If an individual is in possession of MNPI when their service terminates, that individual may not trade in the Company’s securities until that information has become public or is no longer material. The pre-clearance procedures specified below, however, will cease to apply to transactions in the Company’s securities upon the expiration of any blackout period or other Company-imposed trading restrictions applicable at the time of the termination of service. As further discussed within this Policy, anyone trading on MNPI is subject to personal liability and could face criminal penalties. In light of the severity of possible sanctions, both to you the individual and to us as a company, we have established this Insider Trading Policy to assist all of us in complying with these obligations.

 

Availability of Policy and Certification Requirements

 

This Policy is made available to all employees of the Company via the Company’s Intranet. Pursuant to SEC Rule Item 408(b) of Regulation S-K, this Policy will be filed as Exhibit 19.1 to the Company’s Annual Report on Form 10-K. Further, the Company’s Section 16 filers (also referred to as “Reporting Persons”) and the following officers of the Company are annually required to acknowledge receipt of this Policy with the Legal Department: the First Vice President, Controller and Investor Relations Officer; the Vice President of Finance; the Internal Auditor; and the Corporate Secretary.

 

Amended by the Board of Directors February 25, 2025 1  |  P a g e

 

 

 

Policy Administrator

 

This Policy shall be administrated by the Company’s Legal Department, who shall review and either approve or prohibit all proposed trades in the Company’s securities requiring pre-clearance under this Policy. All determinations and interpretations by the Company’s Legal Department will be final and not subject to further review.

 

What is Material Non-Public Information

 

Material Information. Information is considered “material” if a reasonable investor would consider that information important in deciding whether to purchase or sell stock, or other securities, or if the information would be viewed by the reasonable investor as having significantly altered the total mix of information available to the investor before making the purchase or sale. Any information that could be expected to affect the value of the Company’s stock, whether positive or negative, should be considered material. There is no bright-line standard for assessing materiality; rather, materiality is based on an assessment of all of the facts and circumstances, and is often evaluated by enforcement authorities with the benefit of hindsight. It is against the law for holders of MNPI to use the information to their advantage in trading stocks. It is also illegal to share this information with others who may use it to profit in the market. It is not possible to define all categories of material information; however, there are various categories of information that are particularly sensitive and, as a general rule, should always be considered material. Examples of such information may include:

 

●Financial results and forecasts;

●Forward-looking information regarding the Company’s financial performance, such as earnings guidance, projections or “outlook” for future financial results;

●Changes to previously announced earnings guidance or the decision to suspend earnings guidance;

●A material change in anticipated earnings (up or down);

●bank borrowings or other financing transactions outside the ordinary course of business;

●Material loan defaults;

●Execution or termination of significant contracts or loan relationships;

●Pending or proposed mergers, acquisitions, or joint ventures;

●Sales of significant assets or other strategic plans;

●A proposed offering or issuance of new securities and/or stock splits;

●the establishment of, or any significant developments or changes regarding, a repurchase program for securities of the Company (such as planned repurchases, increases or decreases in the program’s authorization, suspensions and similar changes);

●Changes in dividend policy;

●Significant related party transactions;

●Significant developments involving corporate relationships;

●Significant litigation exposure due to actual or threatened litigation;

●Significant regulatory action by governmental agencies;

●An actual or suspected material cybersecurity incident and/or unauthorized material disclosure of confidential data;

●Changes in executive management or the board of directors;

●a change in auditors or notification that the auditor’s reports may no longer be relied upon;

●write-ups or write-downs of assets or changes in accounting methods;

●the imposition of a restriction on trading in securities of the Company or the extension or termination of such restriction.

Material changes in products and services; and 

●The gain or loss of significant customers, suppliers or business partners.

 

When Information is Considered Public. For information to be considered public, there should be some evidence that it has been widely disseminated and that the investing public has had time to absorb the information. You should generally consider information nonpublic until after the second Trading Day after the information is publicly released, such as by press release or widely circulated public disclosure documents filed with the SEC, such as prospectuses or 10-K, 10-Q or 8-K reports. By contrast, information would likely not be considered widely disseminated if it is available only to the Company’s employees, or if it is only available to a select group of persons, such as analysts, brokers and institutional investors. In addition, please be aware that disclosure on the Company’s website, by itself, may not be considered wide dissemination. As used herein, the term “Trading Day” shall mean a day on which national stock exchanges and the Nasdaq Stock Market are open for trading. A Trading Day begins at the time trading begins on such day. Please keep in mind that your transactions in the Company’s securities may be viewed “after the fact” with the full benefit of hindsight. If you have any questions whether certain information is material or has not been publicly disclosed, please confer with the Company’s Legal Department or Chief Financial Officer. Everyone subject to this Policy has the individual responsibility to comply with this Policy against insider trading. This restriction on trading does not apply to transactions made under Rule 10b5-1 (“Rule 10b5-1”) of the Securities Exchange Act of 1934, as amended (“Exchange Act”) trading plan, as discussed further within this Policy.

 

Amended by the Board of Directors February 25, 2025 2  |  P a g e

 

 

 

Confidentiality of Material Non-Public Information

 

MNPI relating to the Company is the property of the Company and the unauthorized disclosure of such information is forbidden. In the event any person subject to this Policy receives any inquiry from outside the Company, such as a stock analyst, for information (particularly financial results and/or projections) that may be MNPI, the inquiry should be referred to the Company’s Chief Financial Officer or the Investor Relations Officer, who are responsible for coordinating and overseeing the release of such information to the investing public, analysts and others in compliance with applicable laws and regulations.

 

Mandatory Trading Preclearance Requirements

 

The Company’s Reporting Persons and the Company’s First Vice President, Controller and Investor Relations Officer; the Vice President of Finance; the Internal Auditor, the Corporate Secretary and certain other persons identified by the Company from time to time and who have been notified that they have been so identified, must refrain from trading in the Company’s securities, even during the open trading window, without first complying with this preclearance policy. Each such person must contact the Company’s Legal Department prior to commencing any trade in the Company’s securities to acquire clearance for trading. Upon receiving clearance to trade, the stock transaction must be completed within five (5) Trading Days. In the event the transaction does not occur within this time period, preclearance to trade must be reobtained from the Company’s Legal Department. Preclearance of trades also applies to (i) any transfer to estate planning trusts; (ii) gifts of Company securities; and (iii) an employee-directed allocation of funds into or out of the Company’s stock within the Company’s 401(k) Plan, or a change thereto. As discussed elsewhere within this Policy, other employees may be required to obtain preclearance to trade from time to time.

 

Trades Under Approved 10b5-1 Plans Exempt from Mandatory Preclearance Requirements. A Reporting Person must obtain approval from the Company’s Legal Department of any proposed Rule 10b5-1 trading plan prior to its adoption. Once approved, a Reporting Person wishing to trade pursuant to a Rule 10b5-1 trading plan need not seek preclearance from the Company before each trade takes place pursuant to their Rule 10b5-1 trading plan.

 

Preclearance of Trades Subject to SEC Rule 144 – Selling of Restricted and Controlled Securities. While the SEC Rule 144 is quite expansive, in general terms and for purposes of this Policy, the Company requires its Reporting Persons to provide evidence of a Form 144 filing with the SEC prior to providing clearance to trade in the Company’s securities when the transaction is a proposed sale that involves more than 5,000 shares or the aggregate dollar amount is greater than $50,000 within any three-month period. Reporting Persons bear the responsibility and obligation to ensure their brokerage firm files advance notice to the SEC via Form 144.

 

Trading Windows and Trading Restrictions

 

a.Quarterly Blackout Windows. The Company will commence a Quarterly Blackout Window that begins at the close of market on the fifteenth day of March, June, September and December and extends to the close of market on the third business day following the Company’s public release of its quarterly earnings in January, April, July and October (the “Quarterly Blackout Window”). The Company reserves the right to change these dates without prior notice. Persons subject to this Policy may not engage in any transactions involving the purchase, transfer or sale of the Company’s securities during any such Quarterly Blackout Window.

 

b.Event Specific Blackout Windows. The Company may also prohibit certain people designated by the Company’s Legal Department from trading securities of the Company because of material developments known to the Company that are not yet disclosed to the public, including, but not limited to, announcement of a merger or acquisition, a major loss of corporate assets, the investigation and assessment of any material cyber-security threat or incident at the Company or any of its subsidiary entities or changes in executive management. While such information is pending, the Company may impose a special blackout period. During these special blackout periods, the persons designated by the Company’s Legal Department may not engage in any transaction involving the purchase, transfer or sale of the Company’s securities and should not disclose to others the fact of such suspension of trading. This restriction on trading does not apply to transactions made under an approved Rule 10b5-1 trading plan. The Company would re-open the trading window at the beginning of the third Trading Day following the date of public disclosure of the information or at such time as the information is deemed no longer material by the Company.

 

Amended by the Board of Directors February 25, 2025 3  |  P a g e

 

 

 

c.Open Trading Window. Trading in the Company’s securities during the open trading window should not be considered a “safe harbor,” and persons subject to this Policy should use good judgment at all times. It should be noted that even during the open trading window, any person possessing MNPI concerning the Company, whether or not subject to the blackout period and trading window, should not engage in any transactions in the Company’s securities until such time the information has been known publicly for at least two Trading Days, whether or not the Company has recommended a suspension of trading to that person. This restriction on trading does not apply to transactions made under a Company approved Rule 10b5-1 trading plan. Additionally, persons subject to this Policy are prohibited from discussing or revealing MNPI about the Company to anyone, except as strictly required for a legitimate Company business purpose.  In the event anyone subject to this Policy has concerns as to whether they possess MNPI and wishes to trade in the Company’s securities, they should consult with the Company’s Legal Department to obtain clearance to trade.

 

d.Gifts of the Company’s Securities. Gifts of the Company’s securities are subject to this Policy if the associate (i) has reason to believe that the recipient intends to sell the Company’s securities immediately or while the associate is aware of MNPI, or (ii) the associate is a Reporting Person, and the associate has reason to believe that the recipient intends to sell the Company’s securities during a blackout period. Gifts of the Company’s securities are further subject to the Company’s Mandatory Trading Preclearance Requirements, as stated previously within this Policy.

 

e.Limit or Standing Orders and Margin Sales. The fact that a sale of the Company’s stock results from a margin call does not provide a defense to an insider trading claim. Courts view such sales as resulting from a failure to meet the margin call -- as something within the trading person’s control. Standing and limit orders (except standing and limit orders under approved Rule 10b5-1 plans, as described above) create heightened risks for insider trading violations similar to the use of margin accounts. There is no control over the timing of purchases or sales that result from standing instructions to a broker, and as a result the broker could execute a transaction when a director, officer or employee is in possession of MNPI. The Company therefore discourages placing standing or limit orders on Company securities. If a person subject to this Policy determines that they must use a standing order or limit order, the order should be limited to short duration and should otherwise comply with the restrictions and procedures outlined within this Policy.”

 

Trading Within Rule 10b5-1 Plans　

 

Rule 10b5-1 provides an affirmative defense to insider trading liability where a purchase or sale is not on the basis of MNPI. A purchase or sale is considered not on the basis of MNPI when it is evident that MNPI known to the person trading did not play a role in trading decisions. In order to take advantage of these defenses, the trading plan must be adopted, or take effect, when (i) the trader is not aware of any MNPI about the Company, (ii) the person trading has acted in good faith with respect to the operation of any such plan, and the person trading includes a representation certifying (i) and (ii), as of the date of adoption, within the plan. Second, the plan must either (i) expressly specify the amount and price of the securities, and the date of trades; (ii) provide a written formula or algorithm, or computer program, for determining amounts, prices, and transaction dates; or (iii) give all discretion regarding the power to execute securities transactions pursuant to the plan to a third party who does not possess MNPI and does not permit the person trading to exercise any subsequent influence over how, when or whether to effect purchases or sales. Third, the trader must demonstrate that the purchase or sale that occurred was pursuant to the plan. A purchase or sale would not be pursuant to the plan if, among other things, the trader altered or deviated from the plan or entered into or altered a corresponding or hedging transaction or position with respect to those securities.

 

Amended by the Board of Directors February 25, 2025 4  |  P a g e

 

 

 

Transactions, when made in accordance with a Company approved Rule 10b5-1 trading plan that has been adopted pursuant to Securities and Exchange Commission Rule 10b5-1(c) (17 C.F.R. § 240.10b5-1(c)) (“Rule 10b5-1(c)”), shall not violate this Policy. Persons subject to this Policy must make their own arrangements with brokers to establish a Rule 10b5-1 trading plan. A Rule 10b5-1 trading plan must be submitted to the Company’s Legal Department for approval prior to its execution. All Rule 10b5-1 trading plans must be executed during an open window period and trades under the plan may not commence for directors or officers until at least the later of (i) 90 days after the adoption or modification of such plan or (ii) two business days following disclosure of the Company’s financial results in a Form 10-Q or Form 10-K (a “Cooling Off Period”). Trading plans for persons other than officers or directors require a Cooling Off Period of 30 days after adoption or modification. Modifications and/or termination of a Company approved Rule 10b5-1 trading plan may only occur during an open trading window and must be approved by the Company’s Legal Department prior to taking effect.

 

Trading Under Company Plans

 

a.Restricted Stock Units and Other Similar Securities. This Policy does not apply to vesting of restricted stock units and other similar securities or the corporate withholding of restricted shares of stock to satisfy tax withholding requirements upon the vesting of any restricted stock units and similar securities. This Policy does apply, however, to any market sale of restricted stock units or similar securities.

 

b.Stock Option Grant Transactions: For purposes of this Policy, the Company considers that the exercise of stock options for cash under a Company Stock Option Plan (but not the sale of any shares issued upon such exercise or purchase and not a cashless exercise accomplished by a sale of a portion of the shares issued upon exercise of an option) are exempt from this Policy, since the other party to these transactions is the Company itself and the price does not vary with the market and is fixed by the terms of the option agreement or plan, as may be applicable. However, the exercise of such option shall only be made during an open trading window.

 

c.Employee 401(k) Plan Transactions. Employees of the Company may elect to invest in the Company’s securities through the Company’s 401(k) Plan through periodic payroll deductions or through employee directed 401(k) fund transfers. However, during a Company Blackout Window, Reporting Persons are strictly prohibited from performing any transaction that would result in a change to their ownership position in the Company’s securities held within their 401(k) Plan. These transactions include, (i) an election to increase or decrease the percentage of periodic payroll contributions that will be allocated to the Company stock fund; (ii) an election to make an intra-plan transfer of any existing 401(k) account balance into or out of the Company stock fund; (iii) an election to borrow money against the 401(k) plan account if the loan will result in a liquidation of some or all of the associate’s or Reporting Person’s Company stock fund balance; and (iv) an election to prepay a plan loan if the prepayment will result in allocation of loan proceeds to the Company stock fund.

 

d.Non-Employee Director Stock Election Program. This Policy applies to the quarterly acquisitions of the Company’s securities by Non-Employee Directors under the Company’s Non-Employee Director Stock Election Program (the “Program”). Company securities acquired pursuant to this Program will occur during open trading periods and are further subject to SEC Section 16 beneficial owner reporting requirements.

 

Applicability of Policy to Inside Information Regarding Other Publicly Traded Companies

 

This Policy and the guidelines described herein also apply to MNPI relating to other companies, including the Company’s customers, vendors and suppliers (“Business Partners”), when that information is obtained in the course of employment with, or the performance of services on behalf of, the Company. Civil and criminal penalties, and termination of employment, may result from trading on inside information regarding the Company’s Business Partners. Everyone subject to this Policy should treat MNPI about the Company’s Business Partners with the same care required with respect to information related directly to the Company.

 

Section 16 Reporting Obligations and Recovery of Short-Swing Profits

 

The Company’s Reporting Persons must comply with the reporting obligations set forth in Section 16(a) of the Exchange Act and must publicly disclose any direct or indirect beneficial ownership of, or control or direction over, the Company’s securities through the filing of Beneficial Ownership Reports with the SEC. While filing of Beneficial Ownership Reports is the responsibility of each Section 16 Director and Officer, the Company’s Corporate Secretary and First Vice President, Controller and Investor Relations Officer have been authorized by each of the Company’s Section 16 Directors and Officers to prepare and file Insider Beneficial Ownership Reports on their behalf.

 

Amended by the Board of Directors February 25, 2025 5  |  P a g e

 

 

 

a.Changes in Beneficial Ownership. Pursuant to federal securities laws, the Company’s Section 16 Directors and Officers are required to file a Beneficial Change in Ownership with the SEC to report purchases, sales, transfers and holdings of the Company’s securities. With these filings, the public is made aware of your transactions in the Company securities, including the amount purchased or sold and the price per share. Upon the execution of a trade in the Company’s securities by a Section 16 Director or Officer, the Section 16 Director or Officer is required to notify the Company’s Legal Department within one business day and provide the transaction date, number of shares traded and the share price. The Company will file a Form 4 on behalf of the Section 16 Director or Officer within two business days following the transaction date. Transactions in the Company’s common stock as well as derivative securities, such as options, warrants, and convertible securities, are reported on a Form 4. Each transaction is coded to indicate the nature of the transaction.

 

b.Newly appointed Section 16 Filer. Pursuant to federal securities laws, the Company will file a Form 3 upon the Board of Director’s designation of a new Section 16 Director or Officer to initially disclose their ownership of the Company’s securities within 10 days of their Section 16 designation.

 

c.Late Filings. A Form 5 filing is generally due to the SEC no later than 45 days after the Company’s fiscal year ends and is only required from a Reporting Person when at least one transaction, because of an exemption or failure to timely report, was not reported during the year. Further, the Company is required to disclose the name(s) of all Section 16 Directors or Officers that incur a late filing in the Company’s next annual proxy statement.

 

d.Selling of Restricted and Controlled Securities – Rule 144. For purposes of this Policy, Section 16 Directors and Officers are required to file advance notice on Form 144 with the SEC when their transaction is a proposed sale that involves more than 5,000 shares or the aggregate dollar amount is greater than $50,000 within any three-month period.

 

e.Short Swing Transactions. Section 16 Officers of the Company, and certain other persons identified by the Company from time to time, must also comply with the reporting obligations and limitations on short-swing transactions as set forth in Section 16 of the Exchange Act. The practical effect of these provisions is that directors, officers and such other persons who purchase and then sell or sell and then purchase the Company’s securities within a six-month period must disgorge all profits to the Company, whether or not they had knowledge of any MNPI. Any sale made by a person subject to this Policy may be matched against any purchase made within the statutory period, and the transactions will be matched in such a way as to maximize the amount payable by such person to the Company. Before engaging in any transaction in the Company’s securities, a person subject to this Policy should consider carefully whether they have made any other transaction during the preceding six months and, if so, whether such transactions would result in profits recoverable under Section 16(b). In addition to the forfeiture of short swing profits to the Company, the individual will be responsible for all costs associated with such liability, including but not limited to, legal fees.

 

f.Prohibition on Hedging. Section 16 prohibits directors and executive officers from ever making a short sale of the Company’s stock. A short sale is a sale of securities not owned by the seller or, if owned, not delivered. Transactions in put and call options for the Company’s securities may in some instances constitute a short sale or may otherwise result in liability for short swing profits. All Section 16 Directors and Officers of the Company, and such other persons who may be identified from time to time, must confer with the Company’s Legal Department before effecting any such transaction. While employees who are not designated Section 16 filers are not prohibited by law from engaging in short sales of the Company’s securities, the Company believes it is inappropriate for employees to engage in such transactions and, therefore, strongly discourages all employees from such activity. The Company has provided, or will provide, separate memoranda and other appropriate materials to its Section 16 Reporting Persons and those identified employees regarding compliance with Section 16 and its related rules.

 

Penalties for Insider Trading, Tipping and Disciplinary Action

 

The penalties for violating insider trading laws are substantial and may include imprisonment, disgorgement of profits gained or losses avoided, and substantial civil and criminal fines. A civil enforcement action could be brought against the violating party by the SEC seeking (i) a monetary penalty (in an amount up to three times the profit gained or the loss avoided); (ii) a cease-and-desist order; and (iii) an order barring the violating party from serving as an officer and director of any public company. Especially serious cases could result in a criminal felony prosecution. You should be aware that the Company cannot defend you against an insider trading violation. You would have to bear the costs of defending yourself, and those costs can be staggering. In addition, the damage to your reputation, and that of the Company, as a result of an insider trading violation could be irreparable.

 

Amended by the Board of Directors February 25, 2025 6  |  P a g e

 

 

 

Liability for Tipping: Any person possessing MNPI may also be liable for improper transactions by any person (commonly referred to as a “tippee”) to whom they have disclosed such MNPI regarding the Company or to whom they have made recommendations or expressed opinions on the basis of such information as to trading in the Company’s securities. No person subject to this Policy shall disclose (“tip”) MNPI to any other person (including family members) where such information may be used by such person to his or her profit by trading in the securities of any company to which such information relates, inclusive of MNPI pertaining to customers of the Company. Nor shall any person subject to this Policy or related person make recommendations or express opinions on the basis of MNPI as to trading in the Company’s securities. An individual who tips information to a tippee is subject to the same penalties as the tippee, even if that individual did not trade and did not profit from the tippee’s trading. The SEC has imposed large penalties even when the disclosing person did not profit from the trading. The SEC, the stock exchanges and the National Association of Securities Dealers, Inc. use sophisticated electronic surveillance techniques to uncover insider trading.

 

Employees of the Company who violate this Policy shall also be subject to disciplinary action by the Company, which may include ineligibility for future participation in the Company’s equity incentive plans or termination of employment.

 

Amended by the Board of Directors February 25, 2025 7  |  P a g e

 

 

 EX-21.1 4 ex21-1.htm SUBSIDIARIES OF WESTERN NEW ENGLAND BANCORP, INC.
 

Western New England Bancorp, Inc. 10-K

 

Exhibit 21.1

 

SUBSIDIARIES OF THE REGISTRANT

 

Western New England Bancorp, Inc. Subsidiaries:

 

Name   Jurisdiction of Incorporation
Westfield Bank   United States (federally chartered savings bank)
WFD Securities, Inc.   Massachusetts
     

Westfield Bank Subsidiaries:

 

Name   Jurisdiction of Incorporation
Elm Street Securities Corporation   Massachusetts
WB Real Estate Holdings, LLC   Massachusetts
CSB Colts, Inc.   Massachusetts

 

 EX-23.1 5 ex23-1.htm CONSENT OF WOLF & COMPANY, P.C.
 

Western New England Bancorp, Inc. 10-K

 

Exhibit 23.1

 

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

 

We consent to the incorporation by reference in Registration Statement (Nos. 333-73132 and 333-256292) on Form S-8 of our reports dated March 10, 2025, relating to our audits of the consolidated financial statements and effectiveness of internal control over financial reporting of Western New England Bancorp, Inc. and subsidiaries, which reports appear in this Annual Report on Form 10-K of Western New England Bancorp, Inc. for the year ended December 31, 2024.

 

/s/ Wolf & Company, P.C.

 

Boston, Massachusetts

March 10, 2025

 

 

 EX-31.1 6 ex31-1.htm CERTIFICATION OF CHIEF EXECUTIVE OFFICER
 

Western New England Bancorp, Inc. 10-K

 

Exhibit 31.1

 

CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER

PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

 

I, James C. Hagan, certify that:

 

1.I have reviewed this annual report on Form 10-K 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: March 10, 2025 /s/ James C. Hagan  
  James C. Hagan
  Chief Executive Officer and President
  (Principal Executive Officer)

 

 EX-31.2 7 ex31-2.htm CERTIFICATION OF CHIEF FINANCIAL OFFICER
 

Western New England Bancorp, Inc. 10-K

 

Exhibit 31.2

 

CERTIFICATION OF THE CHIEF FINANCIAL OFFICER

 PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

 

I, Guida R. Sajdak, certify that:

 

1.I have reviewed this annual report on Form 10-K 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 (Western New England Bancorp’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: March 10, 2025 /s/ Guida R. Sajdak  
  Guida R. Sajdak
  Chief Financial Officer and Executive Vice President (Principal Financial and Accounting Officer)

 

 EX-32.1 8 ex32-1.htm CERTIFICATION OF CHIEF EXECUTIVE OFFICER
 

Western New England Bancorp, Inc. 10-K

 

Exhibit 32.1

 

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

 

The undersigned, James C. Hagan, is the Chief Executive Officer and President of Western New England Bancorp, Inc. (“Western New England Bancorp”).

 

This statement is being furnished in connection with the filing by Western New England Bancorp of Western New England Bancorp’s Annual Report on Form 10-K for the period ended December 31, 2024 (the “Report”).

 

By execution of this statement, I certify that:

 

A)the Report fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934, and

 

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

 

This statement is authorized to be attached as an exhibit to the Report so that this statement will accompany the Report at such time as the Report is filed with the Securities and Exchange Commission, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350. It is not intended that this statement be deemed to be filed for purposes of the Securities Exchange Act of 1934, as amended.

 

A signed original of this written statement required by Section 906 has been provided to Western New England Bancorp, Inc. and will be retained by Western New England Bancorp, Inc. and furnished to the Securities and Exchange Commission or its staff upon request.

 

Dated March 10, 2025 /s/ James C. Hagan  
  James C. Hagan
  Chief Executive Officer and President
  (Principal Executive Officer)

 

 EX-32.2 9 ex32-2.htm CERTIFICATION OF CHIEF FINANCIAL OFFICER
 

Western New England Bancorp, Inc. 10-K

 

Exhibit 32.2

 

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

 

The undersigned, Guida R. Sajdak, Chief Financial Officer and Executive Vice President of Western New England Bancorp, Inc. (“Western New England Bancorp”).

 

This statement is being furnished in connection with the filing by Western New England Bancorp, Inc. of Western New England Bancorp, Inc.’s Annual Report on Form 10-K for the period ended December 31, 2024 (the “Report”).

 

By execution of this statement, I certify that:

 

A)the Report fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934, and

 

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

 

This statement is authorized to be attached as an exhibit to the Report so that this statement will accompany the Report at such time as the Report is filed with the Securities and Exchange Commission, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350. It is not intended that this statement be deemed to be filed for purposes of the Securities Exchange Act of 1934, as amended.

 

A signed original of this written statement required by Section 906 has been provided to Western New England Bancorp, Inc. and will be retained by Western New England Bancorp, Inc. and furnished to the Securities and Exchange Commission or its staff upon request.

 

Dated March 10, 2025 /s/ Guida R. Sajdak  
  Guida R. Sajdak
  Chief Financial Officer and Executive Vice President
(Principal Financial and Accounting Officer)

 

 

 EX-101.SCH 10 wneb-20241231.xsd XBRL SCHEMA FILE 00000001 - Document - Cover link:presentationLink link:calculationLink link:definitionLink 00000002 - Statement - CONSOLIDATED BALANCE SHEETS link:presentationLink link:calculationLink link:definitionLink 00000003 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 00000004 - Statement - CONSOLIDATED STATEMENTS OF NET INCOME link:presentationLink link:calculationLink link:definitionLink 00000005 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME link:presentationLink link:calculationLink link:definitionLink 00000006 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 00000007 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY link:presentationLink link:calculationLink link:definitionLink 00000008 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 00000009 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS link:presentationLink link:calculationLink link:definitionLink 999017 - Disclosure - Risk Management & Strategy. link:presentationLink link:calculationLink link:definitionLink 999018 - Disclosure - Governance. link:presentationLink link:calculationLink link:definitionLink 999019 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES link:presentationLink link:calculationLink link:definitionLink 999020 - Disclosure - INVESTMENT SECURITIES link:presentationLink link:calculationLink link:definitionLink 999021 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES link:presentationLink link:calculationLink link:definitionLink 999022 - Disclosure - PREMISES AND EQUIPMENT link:presentationLink link:calculationLink link:definitionLink 999023 - Disclosure - GOODWILL AND OTHER INTANGIBLES link:presentationLink link:calculationLink link:definitionLink 999024 - Disclosure - DEPOSITS link:presentationLink link:calculationLink link:definitionLink 999025 - Disclosure - SHORT-TERM BORROWINGS link:presentationLink link:calculationLink link:definitionLink 999026 - Disclosure - LONG-TERM DEBT link:presentationLink link:calculationLink link:definitionLink 999027 - Disclosure - STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN link:presentationLink link:calculationLink link:definitionLink 999028 - Disclosure - RETIREMENT PLANS AND EMPLOYEE BENEFITS link:presentationLink link:calculationLink link:definitionLink 999029 - Disclosure - DERIVATIVES AND HEDGING ACTIVITIES link:presentationLink link:calculationLink link:definitionLink 999030 - Disclosure - LEASES link:presentationLink link:calculationLink link:definitionLink 999031 - Disclosure - REGULATORY CAPITAL link:presentationLink link:calculationLink link:definitionLink 999032 - Disclosure - INCOME TAXES link:presentationLink link:calculationLink link:definitionLink 999033 - Disclosure - TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS link:presentationLink link:calculationLink link:definitionLink 999034 - Disclosure - COMMITMENTS AND CONTINGENCIES link:presentationLink link:calculationLink link:definitionLink 999035 - Disclosure - FAIR VALUE OF ASSETS AND LIABLITIES link:presentationLink link:calculationLink link:definitionLink 999036 - Disclosure - SEGMENT link:presentationLink link:calculationLink link:definitionLink 999037 - Disclosure - CONDENSED PARENT COMPANY FINANCIAL STATEMENTS link:presentationLink link:calculationLink link:definitionLink 999038 - Disclosure - SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED) link:presentationLink link:calculationLink link:definitionLink 999039 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies) link:presentationLink link:calculationLink link:definitionLink 999040 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables) link:presentationLink link:calculationLink link:definitionLink 999041 - Disclosure - INVESTMENT SECURITIES (Tables) link:presentationLink link:calculationLink link:definitionLink 999042 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables) link:presentationLink link:calculationLink link:definitionLink 999043 - Disclosure - PREMISES AND EQUIPMENT (Tables) link:presentationLink link:calculationLink link:definitionLink 999044 - Disclosure - DEPOSITS (Tables) link:presentationLink link:calculationLink link:definitionLink 999045 - Disclosure - LONG-TERM DEBT (Tables) link:presentationLink link:calculationLink link:definitionLink 999046 - Disclosure - STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN (Tables) link:presentationLink link:calculationLink link:definitionLink 999047 - Disclosure - RETIREMENT PLANS AND EMPLOYEE BENEFITS (Tables) link:presentationLink link:calculationLink link:definitionLink 999048 - Disclosure - DERIVATIVES AND HEDGING ACTIVITIES (Tables) link:presentationLink link:calculationLink link:definitionLink 999049 - Disclosure - LEASES (Tables) link:presentationLink link:calculationLink link:definitionLink 999050 - Disclosure - REGULATORY CAPITAL (Tables) link:presentationLink link:calculationLink link:definitionLink 999051 - Disclosure - INCOME TAXES (Tables) link:presentationLink link:calculationLink link:definitionLink 999052 - Disclosure - TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS (Tables) link:presentationLink link:calculationLink link:definitionLink 999053 - Disclosure - COMMITMENTS AND CONTINGENCIES (Tables) link:presentationLink link:calculationLink link:definitionLink 999054 - Disclosure - FAIR VALUE OF ASSETS AND LIABLITIES (Tables) link:presentationLink link:calculationLink link:definitionLink 999055 - Disclosure - CONDENSED PARENT COMPANY FINANCIAL STATEMENTS (Tables) link:presentationLink link:calculationLink link:definitionLink 999056 - Disclosure - SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Tables) link:presentationLink link:calculationLink link:definitionLink 999057 - Disclosure - The estimated useful lives of the assets are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999058 - Disclosure - Earnings per common share for the years ended December 31, 2024, 2023 and 2022 have been computed based on the following: (Details) link:presentationLink link:calculationLink link:definitionLink 999059 - Disclosure - The components of accumulated other comprehensive loss, included in shareholders’ equity, are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999060 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999061 - Disclosure - The following tables summarize the amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024 and December 31, 2023 (Details) link:presentationLink link:calculationLink link:definitionLink 999062 - Disclosure - The following table presents the unrealized gains (losses) recognized on marketable equity securities for the years indicated: (Details) link:presentationLink link:calculationLink link:definitionLink 999063 - Disclosure - The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024, by final maturity, are shown below. (Details) link:presentationLink link:calculationLink link:definitionLink 999064 - Disclosure - The following tables summarize the gross unrealized losses and fair value of the Company’s securities available-for-sale and held-to-maturity, segregated by the duration of their continuous unrealized loss positions at December 31, 2024 and 2023: (Details) link:presentationLink link:calculationLink link:definitionLink 999065 - Disclosure - INVESTMENT SECURITIES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999066 - Disclosure - The following table presents the summary of the loan portfolio by the major classification of the loan at the periods indicated: (Details) link:presentationLink link:calculationLink link:definitionLink 999067 - Disclosure - A summary of the activity in the balances of mortgage servicing rights follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999068 - Disclosure - An analysis of changes in the allowance for credit losses for loans and off-balance sheet commitments by segment for the years ended December 31, 2024 and 2023 is as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999069 - Disclosure - The following tables present an age analysis of past due loans as of the dates indicated: (Details) link:presentationLink link:calculationLink link:definitionLink 999070 - Disclosure - The following table is a summary of the Company’s nonperforming loans by major categories at December 31, 2024 and December 31, 2023: (Details) link:presentationLink link:calculationLink link:definitionLink 999071 - Disclosure - The following table summarizes the Company’s individually evaluated collateral dependent loans by class as of the dates indicated: (Details) link:presentationLink link:calculationLink link:definitionLink 999072 - Disclosure - The following tables summarize the amortized cost basis by aggregate Pass and criticized categories of Special Mention and Substandard within the Company’s internal risk rating system by year of origination as of December 31, 2024 and 2023. (Details) link:presentationLink link:calculationLink link:definitionLink 999073 - Disclosure - The following table summarizes information about total loans rated Special Mention, Substandard, Doubtful or Loss for the periods noted. (Details) link:presentationLink link:calculationLink link:definitionLink 999074 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999075 - Disclosure - Premises and equipment are summarized as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999076 - Disclosure - PREMISES AND EQUIPMENT (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999077 - Disclosure - GOODWILL AND OTHER INTANGIBLES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999078 - Disclosure - Deposit accounts, by type, are summarized as follows for the periods indicated: (Details) link:presentationLink link:calculationLink link:definitionLink 999079 - Disclosure - The scheduled maturities of time deposits for the periods indicated are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999080 - Disclosure - Interest expense on deposits for the years ended December 31, 2024, 2023 and 2022 is summarized as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999081 - Disclosure - DEPOSITS (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999082 - Disclosure - SHORT-TERM BORROWINGS (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999083 - Disclosure - The following advances are collateralized by a blanket lien on our residential real estate loans and certain eligible commercial real estate loans. (Details) link:presentationLink link:calculationLink link:definitionLink 999084 - Disclosure - LONG-TERM DEBT (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999085 - Disclosure - The Threshold, Target and Stretch metrics under the 2021 LTI Plan are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999086 - Disclosure - The Threshold, Target and Stretch metrics under the 2022 LTI Plan are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999087 - Disclosure - The Threshold, Target and Stretch metrics under the 2023 LTI Plan are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999088 - Disclosure - The Threshold, Target and Stretch metrics under the 2024 LTI Plan are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999089 - Disclosure - A summary of the status of unvested restricted stock awards at December 31, 2024 and 2023 is presented below: (Details) link:presentationLink link:calculationLink link:definitionLink 999090 - Disclosure - At December 31, 2024, the remaining principal balances are payable as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999091 - Disclosure - Shares held by the ESOP include the following at December 31, 2024 and 2023: (Details) link:presentationLink link:calculationLink link:definitionLink 999092 - Disclosure - STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999093 - Disclosure - The following table provides information related to the DB Plan for the year ended December 31, 2023: (Details) link:presentationLink link:calculationLink link:definitionLink 999094 - Disclosure - Net pension cost includes the following components for the year ended December 31, 2023: (Details) link:presentationLink link:calculationLink link:definitionLink 999095 - Disclosure - The following actuarial assumptions were used in determining the net periodic pension cost for the year ended December 31, 2023: (Details) link:presentationLink link:calculationLink link:definitionLink 999096 - Disclosure - RETIREMENT PLANS AND EMPLOYEE BENEFITS (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999097 - Disclosure - As of December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges: (Details) link:presentationLink link:calculationLink link:definitionLink 999098 - Disclosure - The tables below present 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 December 31, 2024 and December 31, 2023. (Details) link:presentationLink link:calculationLink link:definitionLink 999099 - Disclosure - The table below presents the effect of the Company’s derivative financial instruments on the statements of net income as of December 31, 2024, 2023 and 2022. (Details) link:presentationLink link:calculationLink link:definitionLink 999100 - Disclosure - DERIVATIVES AND HEDGING ACTIVITIES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999101 - Disclosure - Supplemental cash flow information related to leases was as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999102 - Disclosure - Supplemental balance sheet information related to leases was as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999103 - Disclosure - Future undiscounted lease payments for the Company’s operating lease liabilities were as follows (in thousands): (Details) link:presentationLink link:calculationLink link:definitionLink 999104 - Disclosure - LEASES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999105 - Disclosure - Our actual capital ratios of December 31, 2024 and December 31, 2023 are also presented in the following table. (Details) link:presentationLink link:calculationLink link:definitionLink 999106 - Disclosure - The following is a reconciliation of our GAAP capital to regulatory Tier 1, Common Equity Tier 1 and total capital: (Details) link:presentationLink link:calculationLink link:definitionLink 999107 - Disclosure - REGULATORY CAPITAL (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999108 - Disclosure - Income taxes consist of the following: (Details) link:presentationLink link:calculationLink link:definitionLink 999109 - Disclosure - The differences between the statutory federal income tax at a rate of 21% and the effective tax are summarized below: (Details) link:presentationLink link:calculationLink link:definitionLink 999110 - Disclosure - The tax effects of each item that gives rise to deferred taxes are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999111 - Disclosure - INCOME TAXES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999112 - Disclosure - Following is a summary of activity for such loans: (Details) link:presentationLink link:calculationLink link:definitionLink 999113 - Disclosure - The following summarizes these financial instruments and other commitments and contingent liabilities at their contract amounts: (Details) link:presentationLink link:calculationLink link:definitionLink 999114 - Disclosure - COMMITMENTS AND CONTINGENCIES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999115 - Disclosure - Assets and liabilities measured at fair value on a recurring basis are summarized below: (Details) link:presentationLink link:calculationLink link:definitionLink 999116 - Disclosure - The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2024 and 2023. (Details) link:presentationLink link:calculationLink link:definitionLink 999117 - Disclosure - The estimated fair values of our financial instruments are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999118 - Disclosure - SEGMENT (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999119 - Disclosure - The condensed balance sheets of the parent company are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999120 - Disclosure - The condensed statements of net income for the parent company are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999121 - Disclosure - The condensed statements of cash flows of the parent company are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999122 - Disclosure - The following tables present a summary of our quarterly financial information for the periods indicated. (Details) link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 11 wneb-20241231_cal.xml XBRL CALCULATION FILE EX-101.DEF 12 wneb-20241231_def.xml XBRL DEFINITION FILE EX-101.LAB 13 wneb-20241231_lab.xml XBRL LABEL FILE Equity Components [Axis] 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] Accounting Standards Update [Axis] Accounting Standards Update 2016-13 [Member] Retirement Plan Type [Axis] 401 (k) [Member] Long-Lived Tangible Asset [Axis] Building [Member] Leasehold Improvements [Member] Statistical Measurement [Axis] Minimum [Member] Maximum [Member] Furniture and Equipment [Member] AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member] Financial Instrument [Axis] Government-sponsored enterprise obligations [Member] Corporate Debt Securities [Member] Debt Securities [Member] Government-sponsored mortgage-backed securities [Member] U.S. government guaranteed mortgage-backed securities [Member] Collateralized Mortgage-Backed Securities [Member] US Treasury Securities [Member] U.S. Government Guaranteed Obligations [Member] State and Municipal Bonds [Member] Pledged Status [Axis] Asset Pledged as Collateral [Member] Pledging Purpose [Axis] Deposits [Member] Guaranteed by government agencies [Member] Not guaranteed by government agencies [Member] Corporate Bonds [Member] External Credit Rating by Grouping [Axis] External Credit Rating, Noninvestment Grade [Member] Class of Financing Receivable [Axis] Commercial Real Estate Non-owner Occupied [Member] Commercial Real Estate Owner Occupied [Member] Commercial Real Estate [Member] Residential Mortgage [Member] Home Equity Line of Credit [Member] Residential Portfolio Segment [Member] Commercial and Industrial Sector [Member] Consumer Loan [Member] Federal Home Loan Bank Advances [Member] Federal Reserve Bank Advances [Member] Financial Asset, Aging [Axis] Financial Asset, Past Due [Member] Commercial Loan [Member] Real Estate Loan [Member] Unallocated [Member] Cumulative Effect, Period of Adoption [Axis] Cumulative Effect, Period of Adoption, Adjustment [Member] Cumulative Effect, Period of Adoption, Adjusted Balance [Member] Non Owner Occupied [Member] Financial Asset, 30 to 59 Days Past Due [Member] Financial Asset, 60 to 89 Days Past Due [Member] Financial Asset, Equal to or Greater than 90 Days Past Due [Member] Financial Asset, Not Past Due [Member] Owner Occupied [Member] Residential Real Estate [Member] Credit Loss Status [Axis] With no related allowance recorded [Member] With an allowance recorded [Member] Internal Credit Assessment [Axis] Pass (Rated 1 - 4) [Member] Special Mention (Rated 5) [Member] Substandard (Rated 6) [Member] Financial Instrument Performance Status [Axis] Performing Financial Instruments [Member] Nonperforming Financial Instruments [Member] Special Mention [Member] Substandard [Member] Criticized [Member] Land [Member] Finite-Lived Intangible Assets by Major Class [Axis] Core Deposits [Member] Debt Instrument [Axis] Federal Home Loan Bank Borrowings [Member] Lender Name [Axis] Line of Credit [Member] Other Borrowings [Member] FRB Discount Window [Member] Correspondent Banks [Member] Bank [Member] Short-Term Debt [Member] Long-Term Debt [Member] BTFP Advances [Member] Long-Term Debt, Type [Axis] Subordinated Debt [Member] Debt Instrument, Redemption, Period [Axis] Debt Instrument, Redemption, Period One [Member] Debt Instrument, Redemption, Period Two [Member] Award Type [Axis] 2014 RSA Plan [Member] Share-Based Payment Arrangement [Member] Grantee Status [Axis] Share-Based Payment Arrangement, Employee [Member] Share-Based Payment Arrangement, Nonemployee [Member] Plan Name [Axis] LTI Plan for 2021 [Member] Time Based Shares [Member] Performance Shares [Member] Vesting [Axis] Threshold [Member] Stretch [Member] LTI Plan for 2022 [Member] LTI Plan for 2023 [Member] LTI Plan for 2024 [Member] Restricted Stock [Member] Loan to Employee Stock Ownership Plan Trust [Member] Target [Member] Actual [Member] Variable Rate [Axis] Rate 1 [Member] Rate 2 [Member] Rate 3 [Member] Loans [Member] Hedging Designation [Axis] Designated as Hedging Instrument [Member] Hedging Relationship [Axis] Fair Value Hedging [Member] Not Designated as Hedging Instrument [Member] Derivative Instrument [Axis] Interest Rate Swap [Member] Customer counterparties [Member] Dealer counterparties [Member] Share Repurchase Program [Axis] Repurchase Plan 2024 [Member] Repurchase Plan 2024 and Previous Plan [Member] Consolidated Entities [Axis] Subsidiaries [Member] Income Tax Jurisdiction [Axis] Domestic Tax Jurisdiction [Member] Other Commitments [Axis] Unused lines of Credit [Member] Loan Commitments [Member] Existing construction loan agreements [Member] Standby Letters of Credit [Member] FHLB Standby Letters of Credit [Member] Legal Entity [Axis] Small Business Investment Company [Member] Measurement Frequency [Axis] Fair Value, Recurring [Member] Fair Value Hierarchy and NAV [Axis] Fair Value, Inputs, Level 1 [Member] Fair Value, Inputs, Level 2 [Member] Fair Value, Inputs, Level 3 [Member] Fair Value, Nonrecurring [Member] Individually Evaluated Loans [Member] Measurement Basis [Axis] Reported Value Measurement [Member] Parent Company [Member] Cover [Abstract] Document Type Amendment Flag Amendment Description Document Registration Statement Document Annual Report Document Quarterly Report Document Transition Report Document Shell Company Report Document Shell Company Event Date Document Period Start Date Document Period End Date Document Fiscal Period Focus Document Fiscal Year Focus Current Fiscal Year End Date Entity File Number Entity Registrant Name Entity Central Index Key Entity Primary SIC Number Entity Tax Identification Number Entity Incorporation, State or Country Code Entity Address, Address Line One Entity Address, Address Line Two Entity Address, Address Line Three Entity Address, City or Town Entity Address, State or Province Entity Address, Country Entity Address, Postal Zip Code Country Region City Area Code Local Phone Number Extension Written Communications Soliciting Material Pre-commencement Tender Offer Pre-commencement Issuer Tender Offer Title of 12(b) Security No Trading Symbol Flag Trading Symbol Security Exchange Name Title of 12(g) Security Security Reporting Obligation Annual Information Form Audited Annual Financial Statements Entity Well-known Seasoned Issuer Entity Voluntary Filers Entity Current Reporting Status Entity Interactive Data Current Entity Filer Category Entity Small Business Entity Emerging Growth Company Elected Not To Use the Extended Transition Period Document Accounting Standard Other Reporting Standard Item Number Entity Shell Company Entity Public Float Entity Bankruptcy Proceedings, Reporting Current Entity Common Stock, Shares Outstanding Documents Incorporated by Reference [Text Block] ICFR Auditor Attestation Flag Document Financial Statement Error Correction [Flag] Share Price Auditor Name Auditor Location Auditor Firm ID Statement of Financial Position [Abstract] ASSETS Cash and due from banks Federal funds sold Interest-bearing deposits and other short-term investments Total cash and cash equivalents Securities available-for-sale, at fair value Securities held-to-maturity, at amortized cost (Fair value of $165,606 at December 31, 2024 and $187,692 at December 31, 2023) Marketable equity securities, at fair value Total investment securities Federal Home Loan Bank stock and other restricted stock, at amortized cost Total Loans Less: Allowance for credit losses Net loans 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 Deposits: Non-interest-bearing deposits Interest-bearing deposits Total deposits Borrowings: Short-term borrowings Long-term debt Subordinated debt Total borrowings Securities pending settlement Other liabilities TOTAL LIABILITIES SHAREHOLDERS’ EQUITY: Preferred stock - $0.01 par value, 5,000,000 shares authorized, none outstanding at December 31, 2024 and December 31, 2023 Common stock - $0.01 par value, 75,000,000 shares authorized, 20,875,713 shares issued and outstanding at December 31, 2024; 21,666,807 shares issued and outstanding at December 31, 2023 Additional paid-in capital Unearned compensation – Employee Stock Ownership Plan (“ESOP”) 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 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, issued Common stock, outstanding Income Statement [Abstract] Interest and dividend income: Residential and commercial real estate loans Commercial and industrial loans Consumer loans Total interest income from loans Investment securities, taxable Investment securities, tax-exempt Marketable equity securities Total interest and dividend income from investment securities Other investments Short-term investments Total interest income from cash and cash equivalents Total interest and dividend income Interest expense: Deposits Short-term borrowings Long-term debt Subordinated debt Total interest expense  Net interest and dividend income (Reversal of) provision for credit losses Net interest and dividend income after (reversal of) provision for credit losses Non-interest income: Service charges and fees Income from bank-owned life insurance Bank-owned life insurance death benefit Loss on disposal of premises and equipment Loss on available-for-sale securities, net Gain on sale of mortgages Net unrealized gain (loss) on marketable equity securities Gain on non-marketable equity investments (Loss) gain on defined benefit plan termination Other income Total non-interest income Non-interest expense: Salaries and employee benefits Occupancy Furniture and equipment Data processing Software Debit card and ATM processing expense 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): Securities available-for-sale: Unrealized gain (loss) Reclassification adjustment for amounts realized in income Net amount Tax effect Net-of-tax amount Defined benefit pension plan: Gains arising during the period Reclassification adjustment for amounts realized in income Amortization of defined benefit plan actuarial loss Net amount Tax effect Net-of-tax amount Other comprehensive income (loss) Comprehensive income Income tax effects applicable to net realized gains and losses on available-for-sale securities Income tax effects associated with reclassification of defined benefit plan termination Income tax effects associated with reclassification reclassification of defined benefit plan amortization 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 Forfeited equity incentive plan shares Common stock repurchased Common stock repurchased, shares Share-based compensation - equity incentive plan Issuance of common stock in connection with stock option exercises Issuance of common stock in connection with stock option exercises, 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 Cash dividends declared and paid on common stock Ending balance, value Ending balance, shares Employee Stock Ownership Plan (ESOP), Number of Committed-to-be-Released Shares Forfeited equity incentive plan shares (in shares) Forfeited equity incentive plan shares reissued (in shares) Common Stock, Dividends, Per Share, Declared 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 (used in) operating activities: Depreciation and amortization of premises and equipment Net (accretion) amortization of purchase accounting adjustments 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 Gain on sale of portfolio mortgages Principal balance of loans originated for sale Principal balance of loans sold Net change in unrealized (gain) loss on marketable equity securities Net loss on sales of available-for-sale securities Loss on disposal of premises and equipment Gain on bank-owned life insurance death benefit Deferred income tax provision 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 securities held-to-maturity  Proceeds from calls, maturities, and principal collections of securities held-to-maturity Purchases of securities available-for-sale Proceeds from calls, maturities, and principal collections of securities available-for-sale Proceeds from redemption and sales of marketable equity securities Net loan originations and principal payments Purchase of Federal Home Loan Bank of Boston stock Proceeds from sale of portfolio mortgages Purchases of premises and equipment Proceeds from sale of premises and equipment Proceeds from payout on bank-owned life insurance Net cash used in investing activities CASH FLOWS FROM FINANCING ACTIVITIES: Net increase (decrease) in deposits Decrease in short-term borrowings Repayment of long-term debt Proceeds from long-term debt Cash dividends paid Repurchase of common stock Issuance of common stock in connection with stock option exercises Net cash provided by (used in) financing activities NET CHANGE IN CASH AND CASH EQUIVALENTS: Beginning of year End of year Supplemental cash flow information: Available-for-sale securities purchases pending settlement Net change in due to broker for common stock repurchased Pay vs Performance Disclosure [Table] Executive Category [Axis] Individual [Axis] Adjustment to Compensation [Axis] Measure [Axis] Pay vs Performance Disclosure, Table Company Selected Measure Name Named Executive Officers, Footnote Peer Group Issuers, Footnote Changed Peer Group, Footnote PEO Total Compensation Amount PEO Actually Paid Compensation Amount Adjustment To PEO Compensation, Footnote Non-PEO NEO Average Total Compensation Amount Non-PEO NEO Average Compensation Actually Paid Amount Adjustment to Non-PEO NEO Compensation Footnote Equity Valuation Assumption Difference, Footnote Compensation Actually Paid vs. Total Shareholder Return Compensation Actually Paid vs. Net Income Compensation Actually Paid vs. Company Selected Measure Total Shareholder Return Vs Peer Group Compensation Actually Paid vs. Other Measure Tabular List, Table Total Shareholder Return Amount Peer Group Total Shareholder Return Amount Net Income (Loss) Company Selected Measure Amount Other Performance Measure, Amount Adjustment to Compensation, Amount PEO Name Name Non-GAAP Measure Description Additional 402(v) Disclosure Pension Benefits Adjustments, Footnote Erroneously Awarded Compensation Recovery [Table] Restatement Determination Date [Axis] Restatement Determination Date Aggregate Erroneous Compensation Amount Erroneous Compensation Analysis Stock Price or TSR Estimation Method Outstanding Aggregate Erroneous Compensation Amount Aggregate Erroneous Compensation Not Yet Determined Name Forgone Recovery due to Expense of Enforcement, Amount Forgone Recovery due to Violation of Home Country Law, Amount Forgone Recovery due to Disqualification of Tax Benefits, Amount Forgone Recovery, Explanation of Impracticability Name Compensation Amount Restatement does not require Recovery Awards Close in Time to MNPI Disclosures [Table] Award Timing MNPI Disclosure Award Timing Method Award Timing Predetermined Award Timing MNPI Considered Award Timing, How MNPI Considered MNPI Disclosure Timed for Compensation Value Awards Close in Time to MNPI Disclosures, Table Name Underlying Securities Exercise Price Fair Value as of Grant Date Underlying Security Market Price Change Trading Arrangements, by Individual [Table] Trading Arrangement [Axis] Material Terms of Trading Arrangement Name Title Rule 10b5-1 Arrangement Adopted Non-Rule 10b5-1 Arrangement Adopted Adoption Date Rule 10b5-1 Arrangement Terminated Non-Rule 10b5-1 Arrangement Terminated Termination Date Expiration Date Arrangement Duration Insider Trading Policies and Procedures [Line Items] Insider Trading Policies and Procedures Adopted Insider Trading Policies and Procedures Not Adopted Cybersecurity Risk Management, Strategy, and Governance [Abstract] Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block] Cybersecurity Risk Management Processes Integrated [Flag] Cybersecurity Risk Management Processes Integrated [Text Block] Cybersecurity Risk Management Third Party Engaged [Flag] Cybersecurity Risk Third Party Oversight and Identification Processes [Flag] Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag] Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Text Block] Cybersecurity Risk Board of Directors Oversight [Text Block] Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block] Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block] Cybersecurity Risk Role of Management [Text Block] Cybersecurity Risk Management Positions or Committees Responsible [Flag] Cybersecurity Risk Management Positions or Committees Responsible [Text Block] Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block] Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag] Cybersecurity Risk Management Expertise of Management Responsible [Text Block] Material Cybersecurity Incident [Abstract] Material Cybersecurity Incident Nature [Text Block] Material Cybersecurity Incident Scope [Text Block] Material Cybersecurity Incident Timing [Text Block] Material Cybersecurity Incident Material Impact or Reasonably Likely Material Impact [Text Block] Material Cybersecurity Incident Information Not Available or Undetermined [Text Block] Risk Management & Strategy. Governance. Accounting Policies [Abstract] SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Investments, Debt and Equity Securities [Abstract] INVESTMENT SECURITIES Receivables [Abstract] LOANS AND ALLOWANCE FOR CREDIT LOSSES Property, Plant and Equipment [Abstract] PREMISES AND EQUIPMENT Goodwill and Intangible Assets Disclosure [Abstract] GOODWILL AND OTHER INTANGIBLES Deposit Assets [Abstract] DEPOSITS Debt Disclosure [Abstract] SHORT-TERM BORROWINGS LONG-TERM DEBT Share-Based Payment Arrangement [Abstract] STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN Retirement Benefits [Abstract] RETIREMENT PLANS AND EMPLOYEE BENEFITS Derivative Instruments and Hedging Activities Disclosure [Abstract] DERIVATIVES AND HEDGING ACTIVITIES Leases LEASES Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract] REGULATORY CAPITAL Income Tax Disclosure [Abstract] INCOME TAXES Related Party Transactions [Abstract] TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS Commitments and Contingencies Disclosure [Abstract] COMMITMENTS AND CONTINGENCIES Fair Value Disclosures [Abstract] FAIR VALUE OF ASSETS AND LIABLITIES Segment Reporting [Abstract] SEGMENT Condensed Financial Information Disclosure [Abstract] CONDENSED PARENT COMPANY FINANCIAL STATEMENTS Quarterly Financial Information Disclosure [Abstract] SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED) Nature of Operations and Basis of Presentation Wholly-owned Subsidiaries Principles of Consolidation Estimates Reclassifications Significant Group Concentrations of Credit Risk Cash and Cash Equivalents Securities and Mortgage-Backed Securities Non-marketable Equity Securities Derivatives Fair Value Hierarchy Federal Home Loan Bank of Boston Stock Loans Held for Sale Loans Receivable Allowance for Credit Losses Bank-owned Life Insurance Transfers and Servicing of Financial Assets Premises and Equipment Other Real Estate Owned Servicing Impairment of Long-lived Assets Retirement Plans and Employee Benefits Share-based Compensation Plans Employee Stock Ownership Plan Leases Advertising Costs Income Taxes Earnings per Share Comprehensive Income (Loss) Recent Accounting Pronouncements The estimated useful lives of the assets are as follows: Earnings per common share for the years ended December 31, 2024, 2023 and 2022 have been computed based on the following: The components of accumulated other comprehensive loss, included in shareholders’ equity, are as follows: The following tables summarize the amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024 and December 31, 2023 The following table presents the unrealized gains (losses) recognized on marketable equity securities for the years indicated: The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024, by final maturity, are shown below. The following tables summarize the gross unrealized losses and fair value of the Company’s securities available-for-sale and held-to-maturity, segregated by the duration of their continuous unrealized loss positions at December 31, 2024 and 2023: The following table presents the summary of the loan portfolio by the major classification of the loan at the periods indicated: A summary of the activity in the balances of mortgage servicing rights follows: An analysis of changes in the allowance for credit losses for loans and off-balance sheet commitments by segment for the years ended December 31, 2024 and 2023 is as follows: The following tables present an age analysis of past due loans as of the dates indicated: The following table is a summary of the Company’s nonperforming loans by major categories at December 31, 2024 and December 31, 2023: The following table summarizes the Company’s individually evaluated collateral dependent loans by class as of the dates indicated: The following tables summarize the amortized cost basis by aggregate Pass and criticized categories of Special Mention and Substandard within the Company’s internal risk rating system by year of origination as of December 31, 2024 and 2023. The following table summarizes information about total loans rated Special Mention, Substandard, Doubtful or Loss for the periods noted. Premises and equipment are summarized as follows: Deposit accounts, by type, are summarized as follows for the periods indicated: The scheduled maturities of time deposits for the periods indicated are as follows: Interest expense on deposits for the years ended December 31, 2024, 2023 and 2022 is summarized as follows: The following advances are collateralized by a blanket lien on our residential real estate loans and certain eligible commercial real estate loans. The Threshold, Target and Stretch metrics under the 2021 LTI Plan are as follows: The Threshold, Target and Stretch metrics under the 2022 LTI Plan are as follows: The Threshold, Target and Stretch metrics under the 2023 LTI Plan are as follows: The Threshold, Target and Stretch metrics under the 2024 LTI Plan are as follows: A summary of the status of unvested restricted stock awards at December 31, 2024 and 2023 is presented below: At December 31, 2024, the remaining principal balances are payable as follows: Shares held by the ESOP include the following at December 31, 2024 and 2023: The following table provides information related to the DB Plan for the year ended December 31, 2023: Net pension cost includes the following components for the year ended December 31, 2023: The following actuarial assumptions were used in determining the net periodic pension cost for the year ended December 31, 2023: As of December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges: The tables below present 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 December 31, 2024 and December 31, 2023. The table below presents the effect of the Company’s derivative financial instruments on the statements of net income as of December 31, 2024, 2023 and 2022. Supplemental cash flow information related to leases was as follows: Supplemental balance sheet information related to leases was as follows: Future undiscounted lease payments for the Company’s operating lease liabilities were as follows (in thousands): Our actual capital ratios of December 31, 2024 and December 31, 2023 are also presented in the following table. The following is a reconciliation of our GAAP capital to regulatory Tier 1, Common Equity Tier 1 and total capital: Income taxes consist of the following: The differences between the statutory federal income tax at a rate of 21% and the effective tax are summarized below: The tax effects of each item that gives rise to deferred taxes are as follows: Following is a summary of activity for such loans: The following summarizes these financial instruments and other commitments and contingent liabilities at their contract amounts: 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 December 31, 2024 and 2023. The estimated fair values of our financial instruments are as follows: The condensed balance sheets of the parent company are as follows: The condensed statements of net income for the parent company are as follows: The condensed statements of cash flows of the parent company are as follows: The following tables present a summary of our quarterly financial information for the periods indicated. Property, Plant and Equipment [Table] Property, Plant and Equipment [Line Items] Estimated useful lives 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 shares 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 Number of banking offices in which bank operates 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 Employer matching contribution for the first 4% of each participant's annual earnings Maximum percentage of participant's annual earnings subject to match by employer for 401(K) plan Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration] Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration] 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 Available-for-sale securities, at fair value 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 gains (losses) recognized during the year on marketable equity securities Net losses recognized during the year on equity securities sold during the year Unrealized gain (loss) recognized during the year on marketable equity securities still held at year end 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 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, 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 (%) 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 (%) 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 Marketable equity securities Securities fair value Gross realized losses on sales of securities available-for-sale Proceeds from the sales of securities available-for-sale Accrued interest receivable on available for sale securities Available-for-sale, number of securities, fair value less than amortized cost Debt Securities, Held-to-Maturity, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration] Accrued interest receivable on held-to-maturity securities Available-for-sale, gross unrealized loss Available-for-sale, depreciation from amortized cost basis (%) Held-to-maturity, gross unrealized loss Held-to-maturity, depreciation from amortized cost basis (%) Held-to-maturity, number of securities, fair value less than amortized cost Financing Receivable, Past Due [Table] Financing Receivable, Past Due [Line Items] Total gross loans Plus: Unearned premiums and deferred loan fees and costs, net Balance at the beginning of year: Capitalized mortgage servicing rights Amortization Balance at the end of year Fair value at the end of year Allowance for credit losses for loans Beginning balance, allowance for credit losses Provision for (reversal of) for credit losses Charge-offs Recoveries Ending balance, allowance for credit losses Allowance for credit losses for off-balance sheet exposures Beginning balance Provision (reversal) for credit losses Ending balance Total loans Non-Accrual Loans Financing Receivable, Nonaccrual, With Allowance Financing Receivable, Nonaccrual, No Allowance Financing Receivable, Nonaccrual Accrued Interest Receivable Reversed from Income Financing Receivable, Allowance for Credit Loss [Table] Financing Receivable, Allowance for Credit Loss [Line Items] Individually evaluated loans, recorded investment Loans with an allowance recorded, related allowance Financing Receivable, Credit Quality Indicator [Table] Financing Receivable, Credit Quality Indicator [Line Items] Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year Financing Receivable, Excluding Accrued Interest, Revolving Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 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 Total criticized loans as a percentage of total loans FHLB advances 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 Gains on the sale of mortgages Mortgage loans serviced for others Servicing fee income Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration] Accrued interest receivable on loans held for investment (Reversal of) provision for loan losses (Reversal of) reserves on unfunded loan commitments Total past due, percentage of total loans Nonaccrual loans Nonaccrual loans, percentage of total loans Individually evaluated loans Total Less: accumulated depreciation and amortization Premises and equipment, net Depreciation and amortization expense Intangible Asset, Finite-Lived [Table] Finite-Lived Intangible Assets [Line Items] Acquired core deposit intangible Future amortization of core deposit intangible assets years 1-5 Future amortization of core deposit intangible assets thereafter Demand and interest-bearing checking: Interest-bearing checking accounts Interest-bearing checking accounts percentage Demand deposit accounts Demand deposit accounts percentage Savings: Regular savings accounts Regular savings accounts percentage Money market accounts Money market accounts percentage Total core deposits Total core deposits percentage Time deposits Time deposits percentage Total deposits percentage 2024 2025 2026 2027 2028 2029 Total time deposits Savings accounts Money market accounts Time deposits Interest-bearing accounts Total Brokered deposits Time deposits $250,000 or more Interest expense on time deposits 250000 or more Cash paid for interest on deposits Short-Term Debt [Table] Short-Term Debt [Line Items] Pledged collateral Short term borrowings Weighted average rate Line of credit available Borrowing capacity Other Borrowings Debt, Weighted Average Interest Rate Cash paid for interest 2024 Weighted Average Rate, 2024 2025 Weighted Average Rate, 2025 2026 Weighted Average Rate, 2026 2027 Weighted Average Rate, 2027 Total long-term advances Weighted average rate Schedule of Long-Term Debt Instruments [Table] Debt Instrument [Line Items] Long-term debt Principal amount Interest rate Maturity Date Benchmark rate Interest rate basis spread Earliest redemption date Issuance costs Amortization of issuance costs 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, 2021 December 31, 2022 December 31, 2023 Three-Year Cumulative Diluted EPS December 31, 2022 December 31, 2023 December 31, 2024 Three-Year Cumulative Diluted EPS December 31, 2023 December 31, 2024 December 31, 2025 Three-Year Cumulative Diluted EPS December 31, 2024 December 31, 2025 December 31, 2026 Three-Year Cumulative Diluted EPS Beginning balance Beginning balance Shares granted Shares granted Shares forfeited Shares forfeited Shares vested Shares vested Ending balance Ending balance 2024 2025 2026 2027 2028 Thereafter Total Allocated Committed to be allocated Unallocated Total Shares authorized Vesting period Vesting percentage Target value percentage paid Shares granted per director Shares granted and fully vested Shares available for grant Restricted stock expense Fair value of restricted stock vested Tax benefits Unrecognized compensation cost for stock awards Unrecognized compensation cost remaining term Employee age required to qualify for ESOP benefit Minimum working hours needed for eligibility Purchase of common stock by ESOP Trust of IPO, percent Purchase of common stock by ESOP Trust of IPO Number of shares sold In IPO Interest rate Total ESOP compensation expense Fair value of unallocated shares Change in benefit obligation: Benefit obligation at beginning of year Service cost Interest Actuarial gain Effect of settlement/curtailment Benefits paid Benefit obligation at end of year Change in plan assets: Fair value of plan assets at beginning of year Actual return on plan assets Employer contribution Benefits paid Effect of settlement Fair value of plan assets at end of year Funded status and accrued benefit at end of year Accumulated benefit obligation at end of year Interest cost Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Interest Cost, Statement of Income or Comprehensive Income Extensible Enumeration Not Disclosed Expected return on assets Defined Benefit Plan, Net Periodic Benefit (Cost) Credit, Expected Return (Loss), Statement of Income or Comprehensive Income Extensible Enumeration Not Disclosed Amortization of actuarial loss Net periodic pension cost Discount rate Expected return on plan assets Defined Benefit Plan [Table] Defined Benefit Plan Disclosure [Line Items] (Loss) gain on defined benefit plan curtailment Employer matching contribution for the first 6% of each participant's annual earnings Employer contribution to plan Discretionary profit share contribution Derivative [Table] Derivative [Line Items] Hedged Asset, Statement of Financial Position [Extensible Enumeration] Carrying Amount of Hedged Assets/(Liabilities) Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities) Derivative Instruments, Gain (Loss) [Table] Derivative Instruments, Gain (Loss) [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] 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 Supplemental Cash Flow Information Related To Leases Was As Follows Cash paid for amounts included in the measurement of lease liabilities:  Operating cash flows from operating leases ROU assets obtained in exchange for lease obligations: Operating leases Supplemental Balance Sheet Information Related To Leases Was As Follows Operating lease ROU assets Operating lease liabilities 2025 2026 2027 2028 2029 Thereafter Total lease payments Less imputed interest Total Operating lease, term of contract Operating lease, renewal term Operating lease cost Weighted average remaining lease term Weighted average discount rate Total Capital Total Capital (to risk-weighted assets) ratio Minimum amount of capital for adequacy purposes Minimum amount of capital for adequacy purposes, ratio Minimum Capital required to be well-capitalized Minimum Capital required to be well-capitalized, ratio Tier 1 Capital Tier 1 Capital (to risk-weighted assets) ratio Minimum amount of Tier 1 Capital for adequacy purposes Minimum amount of Tier 1 Capital for adequacy purposes, ratio Minimum Tier 1 Capital required to be well-capitalized Minimum Tier 1 Capital required to be well-capitalized, ratio Common Equity Tier 1 Capital Common Equity Tier 1 Capital (to risk-weighted assets) ratio Minimum amount of Common Equity Tier 1 Capital for adequacy purposes Minimum amount of Common Equity Tier 1 Capital for adequacy purposes, ratio Minimum Common Equity Tier 1 Capital required to be well-capitalized Minimum Common Equity Tier 1 Capital required to be well-capitalized, ratio Tier 1 Leverage ratio Tier 1 Leverage (to adjusted average assets) ratio Minimum amount of Tier 1 Leverage for adequacy purposes Minimum amount of Tier 1 Leverage for adequacy purposes, ratio Minimum Tier 1 Capital required to be well-capitalized Minimum Tier 1 Leverage required to be well-capitalized, ratio Consolidated GAAP capital Net unrealized losses on available-for-sale securities, net of tax Goodwill Intangible assets, net of associated deferred tax liabilities Tier 1 and Common Equity Tier 1 capital Allowance for credit losses for regulatory capital Total regulatory capital Share Repurchase Program [Table] Share Repurchase Program [Line Items] Capital conservation buffer of common equity Tier 1 capital, minimum percentage Number of shares authorized to be repurchased Number of shares authorized to be repurchased as percentage of total outstanding shares of common stock Common stock repurchased (in shares) Common stock repurchased, average price per share Shares remaining under plan Amount available for payment of dividends without prior regulatory approval Restricted equity in net assets Current tax provision: Federal State Total Deferred tax provision: Federal State Total Total tax provision Statutory federal income tax Increase (decrease) resulting from: State taxes, net of federal tax benefit Tax-exempt income Bank-owned life insurance (BOLI) BOLI death benefit Option exercise tax (benefit) shortfall Other, net Deferred tax assets: Net unrealized loss on available-for-sale securities Allowance for credit losses Lease liability Employee benefit and share-based compensation plans Accrued expenses Nonperforming interest FDIC assessment Interest payable Purchased mortgage servicing rights Other Gross deferred tax assets Deferred tax liabilities: Lease right-of-use asset Purchase accounting adjustments, net Deferred loan fees Fixed asset depreciation Other Gross deferred tax liabilities Net deferred tax asset Cash paid for income taxes Income tax reserve for loan losses at Bank's base year Percentage of amount actually used net of reserve subject to taxation Deferred tax liability not recognized Balance at beginning of year Principal distributions Repayments of principal Change in related party status Balance at end of year Other Commitments [Table] Other Commitments [Line Items] Commitments to extend credit Fixed rate commitments Fixed rate commitments - interest rates Variable rate commitments Vendor contract payable Vendor contract payable within one year Vendor contract payable within the next three years Committed capital contrbution to partnership Investment in partnership Unfunded commitment to partnership Fair Value, Recurring and Nonrecurring [Table] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Securities available-for-sale Interest rate swaps Total assets Interest rate swaps Collateral dependent loans Total losses Fair Value, by Balance Sheet Grouping [Table] Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] Assets: Cash and cash equivalents Securities held-to-maturity FHLB 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 Assets: Liabilities: Number of reportable segments Condensed Financial Statements [Table] Condensed Financial Statements, Captions [Line Items] ASSETS: Cash equivalents Investment in subsidiaries ESOP loan receivable TOTAL ASSETS LIABILITIES: ESOP loan payable EQUITY TOTAL LIABILITIES AND EQUITY INCOME: Dividends from subsidiaries ESOP loan interest income Other income Total income OPERATING EXPENSE: ESOP loan interest expense Other expenses Total operating expense Income before equity in undistributed income of subsidiaries and income taxes Equity in undistributed income of subsidiaries Net income before taxes Income tax benefit OPERATING ACTIVITIES: Equity in undistributed income of subsidiaries Net amortization of premiums on subordinated debt Change in other liabilities Change in other assets Other, net INVESTING ACTIVITIES:  Purchase of securities Sales of securities FINANCING ACTIVITIES:  Common stock repurchased Net cash used in financing activities CASH AND CASH EQUIVALENTS Beginning of year End of year Supplemental cash flow information: Interest and dividend income Interest expense Net interest and dividend income Unrealized loss on marketable equity securities, net Loss on defined benefit plan termination Gain on bank-owned life insurance death benefit Gain (loss) on sale of mortgages Other non-interest income Non-interest income Non-interest expense Income before income taxes It represents the amount of accrued investment income receivable fair value disclosure. 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. Summary of the amount of net periodic benefit cost for defined benefit plans for the period. 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. Interest Payable, Fair Value Disclosure 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 inflow (outflow) related to a loan originations and principal payments, net. Percent of performance stock awards participants will be able to earn during the fourth performance year. 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 third performance year. Percent of performance stock awards participants will be able to earn during the next performance year. 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. Target. Threshold. 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. Amount of net change in cash due to broker. 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. Amount of proceeds from sale of portfolio mortgages. Servicing fee income. Amount of bank owned life insurance death benefits. Disclosure of accounting policy for mortgage backed securities. Disclosure of accounting policy for non marketable securities. Disclosure of accounting policy for Federal Home Loan Bank Stock. Disclosure of accounting policy for Bank Owned Life Insurance. Tabular disclosure of estimated useful lives of assets. The minimum loan-to-value ratio at loan origination requiring private mortgage insurance. Furniture and Equipment 401 (k) Schedule of deposits. Schedule of maturities of time deposits. Schedule of interest expense on deposits. Time deposits over 250000. Interest expense on time deposits 250000 or more. Cash paid for interest on deposits. Bank Federal Home Loan Bank advances maturities summary average interest rate. Loan receivable from Employee Stock Ownership Plan (ESOP). Employee stock ownership plan esop debt structure loan amount. Dividends paid to and received by the parent company from the bank subsidiary. Equity in undistributed income of subsidiaries for the parent during the period. Net amortization of premiums on subordinated debt. Schedule of original and adjusted threshold and target metrics under the LTI Plans. Employee age required to qualify for ESOP benefit. Minimum working hours needed for eligibility. Purchase of common stock by ESOP Trust of IPO, percent. Purchase of common stock by ESOP Trust of IPO. Number of shares sold in IPO. The member represent loan to employee stock ownership plan trust. Summary of assumptions (including assumed discount rates, rates of compensation increase, and expected long-term rates of return on plan assets) used to calculate the benefit obligation. This element represents right of use assets obtained in exchange for lease obligations abstract. Tabular disclosure of reconciliation of stockholders' equity to regulatory capital. Net Unrealized Losses On Available-for-sale Securities Net Of Tax. Intangible Assets Net Of Associated Deferred Tax Liabilities Number of shares authorized to be repurchased as percentage of total outstanding shares of common stock. Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to bank-owned life insurance. Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to option exercise tax benefit. Percentage of reserve used taxable as penalty. The amount of deferred tax liabilities, lease right of use asset. Amount of deferred tax liability attributable to taxable net of purchase accounting adjustments. Loan Commitments Existing construction loan agreements It represents the commitments to extend credit fixed interest rate. The amount of committed capital contribution to partnership. The amount of unfunded commitment to partnership. Reprsents Income before equity in undistributed income of subsidiaries and income taxes. Tabular disclosure of advances from Federal Home Loan Bank and other borrowings maturities. 2014 RSA Plan Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to bank-owned life insurance death benefit. Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary difference from lease liability. Corporate Bonds It represents the percentage of weighted average internal rate of return. It represents the percentage of weighted average servicing fee. 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. Maximum percentage of appraised value of property underwritten by residential equity loans and lines. Other Borrowings. Name of the equity-based compensation arrangement plan. Schedule of original and adjusted threshold and target metrics under the LTI Plans. Three-year cumulative earnings per share diluted. 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. Amount of change in related party status which reduces (increases) the amount of loans and leases receivable due from related parties. FHLB Standby Letters of Credit. The fair value amount of subordinated debt. Indicates line item in statement of income or comprehensive income that includes expected return (loss) on plan asset component of net periodic benefit (cost) credit for defined benefit plan not disclosed. Indicates line item in statement of income or comprehensive income that includes interest cost component of net periodic benefit cost (credit) for defined benefit plan not disclosed. Cumulative effect accounting adjustment, net of tax. Cumulative effect accounting adjustment, before tax. Cumulative effect accounting adjustment, ta effect. Not guaranteed by government agencies. 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 financing receivable originated in fiscal year before 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. Amount of interest expense on interest-bearing checking deposit liabilities. Amount of brokered deposits. BTFP Advances. Name of the equity-based compensation arrangement plan. Schedule of original and adjusted threshold and target metrics under the LTI Plans. 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. Rate 1. Rate 2. Rate 3. Customer counterparties. Dealer counterparties. Amount, before allocation of valuation allowance, of deferred tax asset attributable to FDIC assessment. Individually Evaluated Loans. With no related allowance recorded. With an allowance recorded. Guaranteed by government agencies. Amount of operating interest income on other investments. Amount of operating interest income on cash and cash equivalents. Amount of software expense during the period. Debit card and ATM processing expense during the period. Amount of gain (loss) on death benefit of bank-owned life insurance policy. Available-for-sale securities purchases pending settlement. U.S. Government Guaranteed Obligations. Available for sale securities continuous unrealized loss position depreciation from amortized cost percentage. Held to maturity securities continuous unrealized loss position depreciation from amortized cost percentage. Number of investments in debt securities measured at amortized cost (held-to-maturity), in continuous unrealized loss position. Commercial Real Estate Non-owner Occupied. Commercial Real Estate Owner Occupied. The element represents collateral dependent loans. Repurchase Plan 2024. The element represents actual member. The element represents sharebased compensation arrangement by sharebased payment award target value percentage paid. The element represents share based compensation arrangement by share based payment award equity instruments other than options grants per director in period. Name of the equity-based compensation arrangement plan. The element represents schedule of original and adjusted threshold and target metrics under l t i plans2024 table text block. The element represents total core deposits. The element represents non owner occupied member. The element represents owner occupied member. Tabular disclosure of information about total loans rated Special Mention, Substandard, Doubtful or Loss. The element represents total core deposits percentage. The element represents three year cumulative diluted e p s. Tabular disclosure of individually evaluated collateral dependent loans. Repurchase Plan 2024 and Previous Plan. Small Business Investment Company. Amount of commitment classified as other to be paid in second through third fiscal years following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach). Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss Cash, Cash Equivalents, and Federal Funds Sold Investments Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest Deposits [Default Label] Liabilities Unearned ESOP Shares Deferred Compensation Equity Interest and Fee Income, Loan and Lease, Held-in-Portfolio Interest and Dividend Income, Securities, Operating Interest Income Cash and Cash Equivalents Interest Expense, Short-Term Borrowings Interest Expense, Other Long-Term Debt Interest Expense, Subordinated Notes and Debentures Interest Expense, Operating Interest Income (Expense), after Provision for Loan Loss 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, 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 Comprehensive Income (Loss), Net of Tax, Attributable to Parent Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax Shares, Outstanding Stock Repurchased and Retired During Period, Value Stock Repurchased During Period, Value Dividends, Common Stock, Cash Gain (Loss) on Sales of Loans, Net Payments for Loans Gain On Bankowned Life Insurance Death Benefit Increase (Decrease) in Interest and Dividends Receivable Increase (Decrease) in Other Operating Assets 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 to Acquire 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 Proceeds from Stock Options Exercised 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 Forgone Recovery, Individual Name Outstanding Recovery, Individual Name Awards Close in Time to MNPI Disclosures, Individual Name Trading Arrangement, Individual Name Lessee, Leases [Policy Text Block] 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 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 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 Off-Balance-Sheet, Credit Loss, Liability Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment Interest Expense Domestic Deposit Liabilities, Money Market Interest Expense Domestic Deposit Liabilities, Time Deposit Federal Home Loan Bank, Advance, Maturity, Year One Federal Home Loan Bank, Advance, Maturity, Year Two Federal Home Loan Bank, Advance, Maturity, Year Three Federal Home Loan Bank, Advance, Maturity, Year Four Federal Home Loan Bank, Advances, Maturities Summary, Fixed Rate Federal Home Loan Bank advances maturities summary average interest rate Long-Term Debt December 31, 2021 [Default Label] December 31, 2022 [Default Label] Three-year Cumulative Diluted Earnings Per Share Two December 31, 2022 Year 7 December 31, 2023 [Default Label] 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 Long-Term Debt, Maturity, Year One Long-Term Debt, Maturity, Year Two Long-Term Debt, Maturity, Year Three Long-Term Debt, Maturity, Year Four Long-Term Debt, Maturity, Year Five Employee Stock Ownership Plan (ESOP), Shares in ESOP Debt Instrument, Interest Rate, Effective Percentage Defined Benefit Plan, Benefit Obligation Defined Benefit Plan, Benefit Obligation, Actuarial Gain (Loss) Defined Benefit Plan, Benefit Obligation, (Increase) Decrease for Curtailment Defined Benefit Plan, Benefit Obligation, Benefits Paid Defined Benefit Plan, Plan Assets, Amount Defined Benefit Plan, Plan Assets, Benefits Paid Defined Benefit Plan, Plan Assets, Payment for Settlement Defined Benefit Plan, Funded (Unfunded) Status of Plan Defined Benefit Plan, Accumulated Benefit Obligation Defined Benefit Plan, Expected Return (Loss) on Plan Assets Defined Benefit Plan, Net Periodic Benefit Cost (Credit) Hedged Asset, Fair Value Hedge, Portfolio Layer Method, Hedged Layer, Fair Value, Cumulative Increase (Decrease) Lessee, Operating Lease, Liability, to be Paid, Year One Lessee, Operating Lease, Liability, to be Paid, Year Two Lessee, Operating Lease, Liability, to be Paid, Year Three Lessee, Operating Lease, Liability, to be Paid, Year Four Lessee, Operating Lease, Liability, to be Paid, Year Five Lessee, Operating Lease, Liability, to be Paid, after Year Five Lessee, Operating Lease, Liability, to be Paid Lessee, Operating Lease, Liability, Undiscounted Excess Amount Banking Regulation, Tier 1 Leverage Capital, Well Capitalized, Minimum Intangible Assets Net Of Associated Deferred Tax Liabilities Current Income Tax Expense (Benefit) Deferred Federal Income Tax Expense (Benefit) Deferred State and Local Income Tax Expense (Benefit) Effective Income Tax Rate Reconciliation, Tax Exempt Income, Amount Income Tax Reconciliation Bank Owned Life Insurance Income Tax Reconciliation Bank Owned Life Insurance Death Benefit Income Tax Reconciliation Option Exercise Tax Benefit Deferred Tax Assets, Gross Deferred Tax Liabilities Lease Right Of Use Asset Deferred Tax Liabilities Purchase Accounting Adjustments Net Deferred Tax Liabilities, Deferred Expense, Debt Issuance Costs Deferred Tax Liabilities, Property, Plant and Equipment Deferred Tax Liabilities, Other Deferred Tax Liabilities, Gross Deferred Tax Assets, Net of Valuation Allowance Loans and Leases Receivable, Related Parties Loans and Leases Receivable, Related Parties, Proceeds Loans and Leases Receivable, Related Parties, Change in Related Party Status Assets, Fair Value Disclosure Fair Value, Option, Changes in Fair Value, Gain (Loss) Accrued interest receivable [Default Label] Deposits, Fair Value Disclosure Short-Term Debt, Fair Value Long-Term Debt, Fair Value Subordinated Debt Fair Value Noninterest Income, Other Operating Income Revenues Other General Expense Operating Expenses Income before equity in undistributed income of subsidiaries and income taxes Net amortization of premiums on subordinated debt [Default Label] Increase (Decrease) in Other Operating Assets and Liabilities, Net Payments to Acquire Marketable Securities Cash and Cash Equivalents, at Carrying Value EX-101.PRE 14 wneb-20241231_pre.xml XBRL PRESENTATION FILE GRAPHIC 15 wneb10k001.jpg GRAPHIC begin 644 wneb10k001.jpg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

:C()R#)KRE(B*H@_[2:& ZWN(628PR\[GED-BW,GMOUH-4J*2*TUOLG_J& M2YSV+(NR NMHO-JO$!JX6J6U-@OD2FI#"R6A1'Z)<_H -P 5/)> M*.(8_<&K2_(BLR 1QS>+.0[YJ+"BXA;UD:6Y MDI93I]*^J2PV9,-JIWZE4 =V/\(\:MRDRKLM_)KOJUJN=X7Y2X2O_C09;MLO M02D!=D(0A"4(224)(B2DBH1$7(1$ Y M %2Q3Z:YO_&0? MY

9FSU')MNE+#Q]B3%,MR\6WG*OH@-4LY MS#&93L?-;.;]H:3J;RBTH6ZP:2YY,4M;S)]DRU) 7&PY)8;_ DSK+/9GQ5? M^JPLED1]A1%M2?H& D@ =$V?!@1ERILAN-&:2:G'G5$A"4EM,S-1D0"BS> M+2;A'4G K/)RV7JW:7F?]-;TJ+_W)CQ$CD[S4 PD8'F>5-L+S'('+?$V*>L% MB4J.T?/H>EF>_<[!Z=) +=8,3QO'V-S9K:Q"29$2UM((G%TYUN>K6?HJ,!+ M M "I8I]-"UOK(]I&S"0HCVE_[BB =]JX/V)%S5=\CF2LINQGJ0[< MUZX[1_\ PQ$T907[# 7IMIMIM+;2"0V@J)0DB(B(N8B(!D M M J6*?37-_XR#_+F %M !6>)_X;Y5\43O>ZP&/#+Z$6WTG?;E M@)3)++:+O:78UUMS=UCM?ZA$%U*5DMUJJD4)7_)@" MV TKU9;9>[5*M-TCIE6^:V;4EA?(I"N;8 ^?L6_)] M8K=Q EW*Z2"G8K'6EVU6U=36X:MIHDGLJEL^QZKG ?1C;:&VTMMI)*$$24)+ MD(B*A$0#( M %2Q3Z:YO_&0?Y

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end XML 17 R1.htm IDEA: XBRL DOCUMENT v3.25.0.1
Cover - USD ($)
 12 Months Ended
Dec. 31, 2024
Mar. 03, 2025
Jun. 28, 2024
Cover [Abstract]      
Document Type 10-K    
Amendment Flag false    
Document Annual Report true    
Document Transition Report false    
Document Period End Date Dec. 31, 2024    
Document Fiscal Period Focus FY    
Document Fiscal Year Focus 2024    
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 01085    
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 Well-known Seasoned Issuer No    
Entity Voluntary Filers No    
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 Public Float     $ 146,942,001
Entity Common Stock, Shares Outstanding   20,748,498  
Documents Incorporated by Reference [Text Block] Portions of the Proxy Statement for the 2025 Annual Meeting of Shareholders are incorporated by reference into Part III of this report.    
ICFR Auditor Attestation Flag true    
Document Financial Statement Error Correction [Flag] false    
Share Price     $ 6.88
Auditor Name Wolf & Company, P.C.    
Auditor Location Boston, Massachusetts    
Auditor Firm ID 392    

7:DMI M /G[&X?#1YE$F)C]QM,FRS+:\QDZ7D?"$INXN%NY4HTJJIIY5"6A9F=%_)@"V M M J6*?37-_XR#_+F %M !6>)_X;Y5\43O>ZP&/#+Z M$6WTG?;E@-G.;W)_X;Y5\43O>ZP&/#+Z$6WTG?;E@+!< MCA%;I1S]/D),N>5:_4[K2>O5Z&FH#Y^QR'B\J;:TP#S6Y8KY0R[:X+C)E:R2 METE,J-1Z7%,(41*+5S$ ^B0 %3B_BO<_B&![\F +8 M M "I8I]-)_X;Y5\43O>ZP&/#+Z$6WTG?;E@-S-;NBU8Y+?7%FRR=2ZP&/#+Z$6WTG?;E@+0 "OY%Q!PC&I343(+Y#MBV\W4$^XV9&HE)16ID9),P$ MN J<7\5[G\0P/?DP!; M M 5+%/IKF_\ &0?Y

 XML 18 R2.htm IDEA: XBRL DOCUMENT v3.25.0.1
CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
ASSETS    
Cash and due from banks $ 18,824 $ 20,784
Federal funds sold 9,264 2,991
Interest-bearing deposits and other short-term investments 38,362 5,065
Total cash and cash equivalents 66,450 28,840
Securities available-for-sale, at fair value 160,704 137,115
Securities held-to-maturity, at amortized cost (Fair value of $165,606 at December 31, 2024 and $187,692 at December 31, 2023) 205,036 223,370
Marketable equity securities, at fair value 397 196
Total investment securities 366,137 360,681
Federal Home Loan Bank stock and other restricted stock, at amortized cost 5,818 3,707
Total Loans 2,070,189 2,027,317
Less: Allowance for credit losses (19,529) (20,267)
Net loans 2,050,660 2,007,050
Premises and equipment, net 24,421 25,575
Accrued interest receivable 8,468 8,528
Bank-owned life insurance 77,056 75,145
Deferred tax asset, net 13,997 13,636
Goodwill 12,487 12,487
Core deposit intangible 1,438 1,813
Other assets 26,158 27,109
TOTAL ASSETS 2,653,090 2,564,571
Deposits:    
Non-interest-bearing deposits 565,620 579,594
Interest-bearing deposits 1,697,027 1,564,150
Total deposits 2,262,647 2,143,744
Borrowings:    
Short-term borrowings 5,390 16,100
Long-term debt 98,000 120,646
Subordinated debt 19,751 19,712
Total borrowings 123,141 156,458
Securities pending settlement 8,622
Other liabilities 22,770 26,960
TOTAL LIABILITIES 2,417,180 2,327,162
SHAREHOLDERS’ EQUITY:    
Preferred stock - $0.01 par value, 5,000,000 shares authorized, none outstanding at December 31, 2024 and December 31, 2023
Common stock - $0.01 par value, 75,000,000 shares authorized, 20,875,713 shares issued and outstanding at December 31, 2024; 21,666,807 shares issued and outstanding at December 31, 2023 209 217
Additional paid-in capital 119,326 125,448
Unearned compensation – Employee Stock Ownership Plan (“ESOP”) (1,906) (2,394)
Unearned compensation - Equity Incentive Plan (1,190) (1,111)
Retained earnings 142,745 136,993
Accumulated other comprehensive loss (23,274) (21,744)
TOTAL SHAREHOLDERS’ EQUITY 235,910 237,409
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY $ 2,653,090 $ 2,564,571
XML 19 R3.htm IDEA: XBRL DOCUMENT v3.25.0.1
CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Statement of Financial Position [Abstract]    
Held-to-maturity securities, fair value $ 165,606 $ 187,692
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, issued 20,875,713 21,666,807
Common stock, outstanding 20,875,713 21,666,807
XML 20 R4.htm IDEA: XBRL DOCUMENT v3.25.0.1
CONSOLIDATED STATEMENTS OF NET INCOME - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Interest and dividend income:      
Residential and commercial real estate loans $ 85,426 $ 77,964 $ 66,609
Commercial and industrial loans 13,147 12,865 10,397
Consumer loans 325 340 258
Total interest income from loans 98,898 91,169 77,264
Investment securities, taxable 8,633 8,241 8,095
Investment securities, tax-exempt 3 7 11
Marketable equity securities 13 122 190
Total interest and dividend income from investment securities 8,649 8,370 8,296
Other investments 687 558 177
Short-term investments 1,598 1,021 191
Total interest income from cash and cash equivalents 2,285 1,579 368
Total interest and dividend income 109,832 101,118 85,928
Interest expense:      
Deposits 42,236 26,649 5,352
Short-term borrowings 600 1,589 330
Long-term debt 6,164 3,957
Subordinated debt 1,015 1,014 1,014
Total interest expense 50,015 33,209 6,696
 Net interest and dividend income 59,817 67,909 79,232
(Reversal of) provision for credit losses (665) 872 700
Net interest and dividend income after (reversal of) provision for credit losses 60,482 67,037 78,532
Non-interest income:      
Service charges and fees 9,202 8,856 9,072
Income from bank-owned life insurance 1,911 1,820 1,725
Bank-owned life insurance death benefit 778
Loss on disposal of premises and equipment (6) (3)
Loss on available-for-sale securities, net (4)
Gain on sale of mortgages 235 2
Net unrealized gain (loss) on marketable equity securities 13 (1) (717)
Gain on non-marketable equity investments 1,287 590 422
(Loss) gain on defined benefit plan termination (1,143) 2,807
Other income 261 25
Total non-interest income 12,903 10,897 13,332
Non-interest expense:      
Salaries and employee benefits 32,686 32,214 32,697
Occupancy 5,054 4,908 4,984
Furniture and equipment 1,955 1,954 2,026
Data processing 3,477 3,157 2,885
Software 2,519 2,311 2,074
Debit card and ATM processing expense 2,437 2,139 1,948
Professional fees 2,161 2,732 2,601
FDIC insurance assessment 1,460 1,321 1,048
Advertising 1,269 1,495 1,408
Other expenses 5,410 6,119 5,564
Total non-interest expense 58,428 58,350 57,235
Income before income taxes 14,957 19,584 34,629
Income tax provision 3,291 4,516 8,742
Net income $ 11,666 $ 15,068 $ 25,887
Earnings per common share:      
Basic earnings per share $ 0.56 $ 0.70 $ 1.18
Weighted average basic shares outstanding 20,899,573 21,535,888 21,879,657
Diluted earnings per share $ 0.56 $ 0.70 $ 1.18
Weighted average diluted shares outstanding 21,016,358 21,610,329 21,938,323
Dividends per share $ 0.28 $ 0.28 $ 0.24
XML 21 R5.htm IDEA: XBRL DOCUMENT v3.25.0.1
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Income Statement [Abstract]      
Net income $ 11,666 $ 15,068 $ 25,887
Securities available-for-sale:      
Unrealized gain (loss) (2,070) 2,993 (27,478)
Reclassification adjustment for amounts realized in income [1] 4
Net amount (2,070) 2,993 (27,474)
Tax effect 540 (775) 7,037
Net-of-tax amount (1,530) 2,218 (20,437)
Defined benefit pension plan:      
Gains arising during the period 358 13,000
Reclassification adjustment for amounts realized in income [2] 1,143 (2,807)
Amortization of defined benefit plan actuarial loss [3] 531
Net amount 1,501 10,724
Tax effect (421) (3,015)
Net-of-tax amount 1,080 7,709
Other comprehensive income (loss) (1,530) 3,298 (12,728)
Comprehensive income $ 10,136 $ 18,366 $ 13,159
[1] Realized gains and losses on available-for-sale securities are recognized as a component of non-interest income in the consolidated statements of net income. The tax effects applicable to net realized gains were $1,000 for the year ended December 31, 2022. There were no tax effects applicable to net realized gains or losses for the years ended December 31, 2024 and 2023.
[2] Amounts represent the reclassification of defined benefit plan termination realized in income and have been recognized as a component of non-interest income. Income tax effects associated with the reclassification adjustments were $321,000 and $789,000 for the years ended December 31, 2023 and December 31, 2022, respectively. There were no tax effects applicable to reclassification adjustments for the year ended 2024.
[3] Amount represents the reclassification of defined benefit plan amortization and has been recognized as a component of non-interest expense. Income tax effects associated with the reclassification adjustment were $149,000 for the year ended December 31, 2022. There were no tax effects applicable to reclassification adjustments for the years ended 2024 and 2023.
XML 22 R6.htm IDEA: XBRL DOCUMENT v3.25.0.1
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - USD ($)
 12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Income Statement [Abstract]    
Income tax effects applicable to net realized gains and losses on available-for-sale securities   $ 1,000
Income tax effects associated with reclassification of defined benefit plan termination $ 321,000 789,000
Income tax effects associated with reclassification reclassification of defined benefit plan amortization   $ 149,000
XML 23 R7.htm IDEA: XBRL DOCUMENT v3.25.0.1
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - 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            
Net income 25,887 25,887
Comprehensive income (loss) (12,728) (12,728)
Common stock held by ESOP committed to be released 148 535 683
Forfeited equity incentive plan shares (213) 213
Common stock repurchased $ (8) (6,343) (6,351)
Common stock repurchased, shares (754,758)            
Share-based compensation - equity incentive plan (2) 1,076 1,074
Issuance of common stock in connection with stock option exercises $ 2 1,169 1,171
Issuance of common stock in connection with stock option exercises, shares 177,881            
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            
Forfeited equity incentive plan shares reissued 71 (71)
Cash dividends declared and paid on common stock (5,281) (5,281)
Ending balance, value at Dec. 31, 2022 $ 222 128,899 (2,906) (1,012) 127,982 (25,042) 228,143
Ending balance, shares at Dec. 31, 2022 22,216,789            
Cumulative effect accounting adjustment [1] 9 9
Net income 15,068 15,068
Comprehensive income (loss) 3,298 3,298
Common stock held by ESOP committed to be released 50 512 562
Forfeited equity incentive plan shares (40) 40
Common stock repurchased $ (6) (5,016) (5,022)
Common stock repurchased, shares (686,436)            
Share-based compensation - equity incentive plan 1,417 1,417
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 207 (207)
Cash dividends declared and paid on common stock (6,066) (6,066)
Ending balance, value at Dec. 31, 2023 $ 217 125,448 (2,394) (1,111) 136,993 (21,744) 237,409
Ending balance, shares at Dec. 31, 2023 21,666,807            
Net income 11,666 11,666
Comprehensive income (loss) (1,530) (1,530)
Common stock held by ESOP committed to be released 84 488 572
Forfeited equity incentive plan shares (20) 20
Common stock repurchased $ (10) (7,752) (7,762)
Common stock repurchased, shares (973,924)            
Share-based compensation - equity incentive plan 1,469 1,469
Issuance of common stock in connection with equity incentive plan $ 2 1,531 (1,533)
Issuance of common stock in connection with equity incentive plan (in shares) 182,830            
Forfeited equity incentive plan shares reissued 35 (35)
Cash dividends declared and paid on common stock (5,914) (5,914)
Ending balance, value at Dec. 31, 2024 $ 209 $ 119,326 $ (1,906) $ (1,190) $ 142,745 $ (23,274) $ 235,910
Ending balance, shares at Dec. 31, 2024 20,875,713            
[1] Represents gross transition adjustment amount of $13,000, net of taxes of $4,000, to reflect the cumulative impact on retained earnings pursuant to the Company’s adoption of Accounting Standards Update (“ASU”) 2016-13 Financial Instruments-Credit Losses on Financial Instruments and relevant amendments.
XML 24 R8.htm IDEA: XBRL DOCUMENT v3.25.0.1
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Employee Stock Ownership Plan (ESOP), Number of Committed-to-be-Released Shares 71,240 74,993 78,526
Forfeited equity incentive plan shares (in shares) 2,384 4,219 24,440
Forfeited equity incentive plan shares reissued (in shares) 4,219 22,503 7,289
Common Stock, Dividends, Per Share, Declared $ 0.28 $ 0.28 $ 0.24
Accounting Standards Update 2016-13 [Member]      
Cumulative effect accounting adjustment, before tax   $ 13  
Cumulative effect accounting adjustment, tax   $ 4  
XML 25 R9.htm IDEA: XBRL DOCUMENT v3.25.0.1
CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
CASH FLOWS FROM OPERATING ACTIVITIES:      
Net income $ 11,666 $ 15,068 $ 25,887
Adjustments to reconcile net income to net cash provided by (used in) operating activities:      
(Reversal of) provision for credit losses (665) 872 700
Depreciation and amortization of premises and equipment 2,230 2,219 2,312
Net (accretion) amortization of purchase accounting adjustments (39) 95 (135)
Amortization of core deposit intangible 375 375 375
Net amortization of premiums and discounts on securities and mortgage loans 1,187 1,267 1,553
Net amortization of deferred costs on mortgage loans 490 497 681
Net amortization of premiums on subordinated debt 39 39 40
Share-based compensation expense 1,469 1,417 1,074
ESOP expense 572 562 683
Gain on sale of portfolio mortgages (235)
Principal balance of loans originated for sale (277)
Principal balance of loans sold 277
Net change in unrealized (gain) loss on marketable equity securities (13) 1 717
Net loss on sales of available-for-sale securities 4
Loss on disposal of premises and equipment 6 3
Gain on bank-owned life insurance death benefit (778)
Deferred income tax provision 178 191 1,088
Income from bank-owned life insurance (1,911) (1,820) (1,725)
Net change in:      
Accrued interest receivable 60 (388) (365)
Other assets 133 (968) (4,218)
Other liabilities (3,372) (3,879) 8,099
Net cash provided by operating activities 12,170 14,773 36,770
CASH FLOWS FROM INVESTING ACTIVITIES:      
 Purchases of securities held-to-maturity (1,100) (7,701) (28,030)
 Proceeds from calls, maturities, and principal collections of securities held-to-maturity 19,022 14,090 19,650
Purchases of securities available-for-sale (32,945) (196) (5,000)
Proceeds from calls, maturities, and principal collections of securities available-for-sale 14,804 12,047 23,664
Proceeds from redemption and sales of marketable equity securities 6,237 5,131
Net loan originations and principal payments (63,475) (37,023) (127,823)
Purchase of Federal Home Loan Bank of Boston stock (2,111) (355) (758)
Proceeds from sale of portfolio mortgages 20,333
Purchases of premises and equipment (1,196) (2,902) (1,143)
Proceeds from sale of premises and equipment 74 18
Proceeds from payout on bank-owned life insurance 2,079 2,435
Net cash used in investing activities (46,594) (13,706) (111,874)
CASH FLOWS FROM FINANCING ACTIVITIES:      
Net increase (decrease) in deposits 118,903 (85,699) (27,427)
Decrease in short-term borrowings (10,710) (25,250) 41,350
Repayment of long-term debt (120,646) (532) (1,472)
Proceeds from long-term debt 98,000 120,000
Cash dividends paid (5,914) (6,066) (5,281)
Repurchase of common stock (7,599) (5,022) (6,351)
Issuance of common stock in connection with stock option exercises 1,171
Net cash provided by (used in) financing activities 72,034 (2,569) 1,990
NET CHANGE IN CASH AND CASH EQUIVALENTS: 37,610 (1,502) (73,114)
Beginning of year 28,840 30,342 103,456
End of year 66,450 28,840 30,342
Supplemental cash flow information:      
Available-for-sale securities purchases pending settlement 8,459
Net change in due to broker for common stock repurchased $ 163
XML 26 R10.htm IDEA: XBRL DOCUMENT v3.25.0.1
Pay vs Performance Disclosure - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2024
Sep. 30, 2024
Jun. 30, 2024
Mar. 31, 2024
Dec. 31, 2023
Sep. 30, 2023
Jun. 30, 2023
Mar. 31, 2023
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Pay vs Performance Disclosure [Table]                      
Net Income (Loss) $ 3,288 $ 1,904 $ 3,513 $ 2,961 $ 2,511 $ 4,490 $ 2,763 $ 5,304 $ 11,666 $ 15,068 $ 25,887
XML 27 R11.htm IDEA: XBRL DOCUMENT v3.25.0.1
Insider Trading Arrangements
 3 Months Ended
Dec. 31, 2024
Trading Arrangements, by Individual [Table]  
Rule 10b5-1 Arrangement Adopted false
Non-Rule 10b5-1 Arrangement Adopted false
Rule 10b5-1 Arrangement Terminated false
Non-Rule 10b5-1 Arrangement Terminated false
XML 28 R12.htm IDEA: XBRL DOCUMENT v3.25.0.1
Cybersecurity Risk Management and Strategy Disclosure
 12 Months Ended
Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Abstract]  
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]

Risk Management & Strategy.

 

The Company uses an enterprise risk management and financial framework to oversee its risks, including risks from cybersecurity incidents, as further described below. The Company’s information technology & cybersecurity risk management is a continuous process that includes identification, assessment, classification, and management of threats that could adversely impact our ability to maintain the integrity of Bank data and systems, prevent unauthorized access to confidential data and Bank systems, and achieve the Company’s operational, financial, reputational, legal and regulatory compliance requirements or objectives. Please see Item 1A. Risk Factors – Risks Related to Cybersecurity and Data Privacy – “We Face Cybersecurity Risks and Risks Associated With Security Breaches Which Have the Potential to Disrupt Our Operations, Cause Material Harm to Our Financial Condition, Result in Misappropriation of Assets, Compromise Confidential Information and/or Damage Our Business Relationships and Can Provide No Assurance That the Steps We and Our Service Providers Take in Response to These Risks Will Be Effective” for our disclosures regarding the most pertinent risks we may experience from cybersecurity threats.

 

The Bank has a management-level Strategic Technology Oversight Committee (the “TOC”). Members of the TOC include the Bank’s Information Security Officer (the “ISO”), the Chief Information Officer as well as representatives of each department, including Senior Officers and/or their designees. The TOC reviews the status of various tactical and strategic projects; emerging technologies; cybersecurity, availability and performance metrics; IT and Business Continuity policies; Business Continuity test results and IT & Cybersecurity Risk Assessment results to monitor the extent of risk, evaluate the effectiveness of mitigating controls in place and ensure the level of risk remains within tolerance through acceptance, or further mitigation, transfer or elimination of the risk.

 

Additionally, the Bank has an ISO Metrics Oversight Committee (the “ISO Metrics Committee”) which meets on a monthly basis with a focus on cybersecurity. Members of the ISO Metrics Committee include the ISO, the Chief Information Officer, the Chief Risk Officer, as well as members of the information technology team involved with cybersecurity and infrastructure. The function of the ISO Metrics Committee is to review monthly cybersecurity metrics to support discussion of cyber threats, cyber risk trends, and risk mitigation as well as to participate in an annual tabletop business disruption exercise to assess the Bank’s resilience and readiness should such an event occur.

 

All employees participate in cybersecurity and social engineering training. The Board also receives formal training annually. The Bank conducts social engineering tests for employees, such as phishing tests, throughout the year. We consider employee awareness and training to be a critical component of the Bank’s cybersecurity program.

 

Third-party relationships, including vendor relationships, can offer the Bank a variety of opportunities to enhance its product and servicing offerings along with facilitating operational functions or business activities. Outsourcing processes or functions does not diminish the Bank’s responsibility to ensure that the third-party activity is conducted in a safe and sound manner and in compliance with applicable laws, regulations, and internal policies. Oversight for the potential risks of third-party relationships lies with the Bank’s management and the Board.

 

The Bank maintains a third-party risk management oversight program to effectively assess, measure, monitor and control the risks associated with vendor relationships. The Bank manages its third-party relationships through the use of informed risk assessments, due-diligence reviews, and ongoing oversight and monitoring. Information security and cybersecurity risks are included as elements in the third-party risk management process and are assessed for vendor relationships with access to confidential Bank or customer data.

 

The Bank uses industry standard assessment frameworks as part of its overall cybersecurity risk assessment. Industry standard assessment frameworks are used to evaluate the effectiveness of the Bank’s mitigating controls and support initiatives to achieve continuous improvements in the efficacy of the control environment. The Bank’s TOC and Enterprise Risk Management framework provide ongoing oversight and governance of technology and cybersecurity risk management activities to ensure alignment with the Bank’s risk appetite. Independent audits are performed periodically to review the Bank’s mitigating controls as well as to conduct penetration testing of the Bank’s internal and external systems to help assess the effectiveness of the Bank’s security controls. Additionally, on an annual basis, an independent auditor tests our employees’ awareness of and resilience to various social engineering tactics to provide independent verification and to augment the Bank’s internal testing. Results of the audits are reported through the Bank’s Audit Committee, and ultimately to the Bank’s Board.

 

The Bank also has a relationship with a third-party Security Operations Center that provides continuous monitoring of all traffic in our environment for anomalies as well as services, as needed, to assist in conducting forensic analysis, correlation and remediation activities for any potential indications of compromise.
Cybersecurity Risk Management Processes Integrated [Flag] true
Cybersecurity Risk Management Processes Integrated [Text Block] Industry standard assessment frameworks are used to evaluate the effectiveness of the Bank’s mitigating controls and support initiatives to achieve continuous improvements in the efficacy of the control environment. The Bank’s TOC and Enterprise Risk Management framework provide ongoing oversight and governance of technology and cybersecurity risk management activities to ensure alignment with the Bank’s risk appetite. Independent audits are performed periodically to review the Bank’s mitigating controls as well as to conduct penetration testing of the Bank’s internal and external systems to help assess the effectiveness of the Bank’s security controls. Additionally, on an annual basis, an independent auditor tests our employees’ awareness of and resilience to various social engineering tactics to provide independent verification and to augment the Bank’s internal testing. Results of the audits are reported through the Bank’s Audit Committee, and ultimately to the Bank’s Board.
Cybersecurity Risk Management Third Party Engaged [Flag] true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag] true
Cybersecurity Risk Board of Directors Oversight [Text Block]

Governance.

 

The Finance and Risk Management Committee is a standing committee of the Board formed in January 2014 to assist the Board and the Executive Committee of the Board in fulfilling their responsibility with respect to the oversight of the Company’s (1) enterprise risk management and financial framework, including all risks associated therewith, including risks related to cyber incidents and (2) policies and practices relating to financial matters, including but not limited to, capital, liquidity and financing, as well as to merger, acquisition and divestiture activity. The Finance and Risk Management Committee reports to the Board regarding the Company’s risk profile, as well as its enterprise risk management framework, including the significant policies and practices employed to manage such risks, as well as the overall adequacy of the enterprise risk management function.

 

Material risks and results from any industry standard risk assessments parties, including any recommendations to further mitigate, transfer or eliminate risks, if applicable, are reported annually to the TOC, as well as to the Board’s Finance and Risk Management Committee, who then reports the results to the Bank’s Board. Further, these results are included in the Board’s annual Information Security Program Report.

 

Technology and cybersecurity risk metrics are two of the Bank’s primary categorical risks defined in the Bank’s enterprise risk management framework. The Enterprise Risk Management Dashboard, which includes ongoing monitoring of current and emerging technology and cybersecurity risks, is presented to the Finance and Risk Management Committee and to the Bank’s Board on a tri-annual basis. In addition, reports on the monitoring of third-party relationships, particularly critical relationships, are presented to the Finance and Risk Management Committee and to the Bank’s Board.

 

The Bank’s Board, through the Finance and Risk Management Committee, has oversight of cybersecurity incident disclosures, if applicable. The Finance and Risk Management Committee shall annually review with Management the Company’s Business Continuity Plan (the “BCP”), the BCP Policy, BCP testing results and the Company’s Pandemic Plan and Cyber Incident Response Plan and programs, including materiality determination criteria and escalation protocols with respect to the prompt reporting of material cyber incidents to the Finance and Risk Management Committee and the Bank’s Board. The Finance and Risk Management Committee shall further review with Management and report to the Bank’s Board any cyber incident disclosure reports to or from regulators with respect thereto, and the root cause and remediation and enhancement efforts with respect thereto.

 

The Bank’s information technology team maintains and develops their knowledge through various business, technical and cybersecurity-related programs, certificates and degrees, including a senior member of the team who holds a Master of Business Administration and another team member holding a Master’s Degree in Cybersecurity Management. Collectively, the senior members of the information technology team have approximately 75 years of experience in technology and cybersecurity, and the information technology team collectively holds and maintains continuing education in various technology and cybersecurity certification areas. The Bank’s ISO holds the designation of Certified Cyber Crimes Investigator from the IAFCI and also maintains continuing education related to cybersecurity.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block] The Finance and Risk Management Committee is a standing committee of the Board formed in January 2014 to assist the Board and the Executive Committee of the Board in fulfilling their responsibility with respect to the oversight of the Company’s (1) enterprise risk management and financial framework, including all risks associated therewith, including risks related to cyber incidents and (2) policies and practices relating to financial matters, including but not limited to, capital, liquidity and financing, as well as to merger, acquisition and divestiture activity.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block] The Finance and Risk Management Committee reports to the Board regarding the Company’s risk profile, as well as its enterprise risk management framework, including the significant policies and practices employed to manage such risks, as well as the overall adequacy of the enterprise risk management function.
Cybersecurity Risk Role of Management [Text Block] The Bank’s Board, through the Finance and Risk Management Committee, has oversight of cybersecurity incident disclosures, if applicable. The Finance and Risk Management Committee shall annually review with Management the Company’s Business Continuity Plan (the “BCP”), the BCP Policy, BCP testing results and the Company’s Pandemic Plan and Cyber Incident Response Plan and programs, including materiality determination criteria and escalation protocols with respect to the prompt reporting of material cyber incidents to the Finance and Risk Management Committee and the Bank’s Board.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block] Material risks and results from any industry standard risk assessments parties, including any recommendations to further mitigate, transfer or eliminate risks, if applicable, are reported annually to the TOC, as well as to the Board’s Finance and Risk Management Committee, who then reports the results to the Bank’s Board. Further, these results are included in the Board’s annual Information Security Program Report.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag] true
Cybersecurity Risk Management Expertise of Management Responsible [Text Block] The Bank’s information technology team maintains and develops their knowledge through various business, technical and cybersecurity-related programs, certificates and degrees, including a senior member of the team who holds a Master of Business Administration and another team member holding a Master’s Degree in Cybersecurity Management. Collectively, the senior members of the information technology team have approximately 75 years of experience in technology and cybersecurity, and the information technology team collectively holds and maintains continuing education in various technology and cybersecurity certification areas. The Bank’s ISO holds the designation of Certified Cyber Crimes Investigator from the IAFCI and also maintains continuing education related to cybersecurity.
XML 29 R13.htm IDEA: XBRL DOCUMENT v3.25.0.1
Risk Management & Strategy.
 12 Months Ended
Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Abstract]  
Risk Management & Strategy.

Risk Management & Strategy.

 

The Company uses an enterprise risk management and financial framework to oversee its risks, including risks from cybersecurity incidents, as further described below. The Company’s information technology & cybersecurity risk management is a continuous process that includes identification, assessment, classification, and management of threats that could adversely impact our ability to maintain the integrity of Bank data and systems, prevent unauthorized access to confidential data and Bank systems, and achieve the Company’s operational, financial, reputational, legal and regulatory compliance requirements or objectives. Please see Item 1A. Risk Factors – Risks Related to Cybersecurity and Data Privacy – “We Face Cybersecurity Risks and Risks Associated With Security Breaches Which Have the Potential to Disrupt Our Operations, Cause Material Harm to Our Financial Condition, Result in Misappropriation of Assets, Compromise Confidential Information and/or Damage Our Business Relationships and Can Provide No Assurance That the Steps We and Our Service Providers Take in Response to These Risks Will Be Effective” for our disclosures regarding the most pertinent risks we may experience from cybersecurity threats.

 

The Bank has a management-level Strategic Technology Oversight Committee (the “TOC”). Members of the TOC include the Bank’s Information Security Officer (the “ISO”), the Chief Information Officer as well as representatives of each department, including Senior Officers and/or their designees. The TOC reviews the status of various tactical and strategic projects; emerging technologies; cybersecurity, availability and performance metrics; IT and Business Continuity policies; Business Continuity test results and IT & Cybersecurity Risk Assessment results to monitor the extent of risk, evaluate the effectiveness of mitigating controls in place and ensure the level of risk remains within tolerance through acceptance, or further mitigation, transfer or elimination of the risk.

 

Additionally, the Bank has an ISO Metrics Oversight Committee (the “ISO Metrics Committee”) which meets on a monthly basis with a focus on cybersecurity. Members of the ISO Metrics Committee include the ISO, the Chief Information Officer, the Chief Risk Officer, as well as members of the information technology team involved with cybersecurity and infrastructure. The function of the ISO Metrics Committee is to review monthly cybersecurity metrics to support discussion of cyber threats, cyber risk trends, and risk mitigation as well as to participate in an annual tabletop business disruption exercise to assess the Bank’s resilience and readiness should such an event occur.

 

All employees participate in cybersecurity and social engineering training. The Board also receives formal training annually. The Bank conducts social engineering tests for employees, such as phishing tests, throughout the year. We consider employee awareness and training to be a critical component of the Bank’s cybersecurity program.

 

Third-party relationships, including vendor relationships, can offer the Bank a variety of opportunities to enhance its product and servicing offerings along with facilitating operational functions or business activities. Outsourcing processes or functions does not diminish the Bank’s responsibility to ensure that the third-party activity is conducted in a safe and sound manner and in compliance with applicable laws, regulations, and internal policies. Oversight for the potential risks of third-party relationships lies with the Bank’s management and the Board.

 

The Bank maintains a third-party risk management oversight program to effectively assess, measure, monitor and control the risks associated with vendor relationships. The Bank manages its third-party relationships through the use of informed risk assessments, due-diligence reviews, and ongoing oversight and monitoring. Information security and cybersecurity risks are included as elements in the third-party risk management process and are assessed for vendor relationships with access to confidential Bank or customer data.

 

The Bank uses industry standard assessment frameworks as part of its overall cybersecurity risk assessment. Industry standard assessment frameworks are used to evaluate the effectiveness of the Bank’s mitigating controls and support initiatives to achieve continuous improvements in the efficacy of the control environment. The Bank’s TOC and Enterprise Risk Management framework provide ongoing oversight and governance of technology and cybersecurity risk management activities to ensure alignment with the Bank’s risk appetite. Independent audits are performed periodically to review the Bank’s mitigating controls as well as to conduct penetration testing of the Bank’s internal and external systems to help assess the effectiveness of the Bank’s security controls. Additionally, on an annual basis, an independent auditor tests our employees’ awareness of and resilience to various social engineering tactics to provide independent verification and to augment the Bank’s internal testing. Results of the audits are reported through the Bank’s Audit Committee, and ultimately to the Bank’s Board.

 

The Bank also has a relationship with a third-party Security Operations Center that provides continuous monitoring of all traffic in our environment for anomalies as well as services, as needed, to assist in conducting forensic analysis, correlation and remediation activities for any potential indications of compromise.
XML 30 R14.htm IDEA: XBRL DOCUMENT v3.25.0.1
Governance.
 12 Months Ended
Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Abstract]  
Governance.

Governance.

 

The Finance and Risk Management Committee is a standing committee of the Board formed in January 2014 to assist the Board and the Executive Committee of the Board in fulfilling their responsibility with respect to the oversight of the Company’s (1) enterprise risk management and financial framework, including all risks associated therewith, including risks related to cyber incidents and (2) policies and practices relating to financial matters, including but not limited to, capital, liquidity and financing, as well as to merger, acquisition and divestiture activity. The Finance and Risk Management Committee reports to the Board regarding the Company’s risk profile, as well as its enterprise risk management framework, including the significant policies and practices employed to manage such risks, as well as the overall adequacy of the enterprise risk management function.

 

Material risks and results from any industry standard risk assessments parties, including any recommendations to further mitigate, transfer or eliminate risks, if applicable, are reported annually to the TOC, as well as to the Board’s Finance and Risk Management Committee, who then reports the results to the Bank’s Board. Further, these results are included in the Board’s annual Information Security Program Report.

 

Technology and cybersecurity risk metrics are two of the Bank’s primary categorical risks defined in the Bank’s enterprise risk management framework. The Enterprise Risk Management Dashboard, which includes ongoing monitoring of current and emerging technology and cybersecurity risks, is presented to the Finance and Risk Management Committee and to the Bank’s Board on a tri-annual basis. In addition, reports on the monitoring of third-party relationships, particularly critical relationships, are presented to the Finance and Risk Management Committee and to the Bank’s Board.

 

The Bank’s Board, through the Finance and Risk Management Committee, has oversight of cybersecurity incident disclosures, if applicable. The Finance and Risk Management Committee shall annually review with Management the Company’s Business Continuity Plan (the “BCP”), the BCP Policy, BCP testing results and the Company’s Pandemic Plan and Cyber Incident Response Plan and programs, including materiality determination criteria and escalation protocols with respect to the prompt reporting of material cyber incidents to the Finance and Risk Management Committee and the Bank’s Board. The Finance and Risk Management Committee shall further review with Management and report to the Bank’s Board any cyber incident disclosure reports to or from regulators with respect thereto, and the root cause and remediation and enhancement efforts with respect thereto.

 

The Bank’s information technology team maintains and develops their knowledge through various business, technical and cybersecurity-related programs, certificates and degrees, including a senior member of the team who holds a Master of Business Administration and another team member holding a Master’s Degree in Cybersecurity Management. Collectively, the senior members of the information technology team have approximately 75 years of experience in technology and cybersecurity, and the information technology team collectively holds and maintains continuing education in various technology and cybersecurity certification areas. The Bank’s ISO holds the designation of Certified Cyber Crimes Investigator from the IAFCI and also maintains continuing education related to cybersecurity.
XML 31 R15.htm IDEA: XBRL DOCUMENT v3.25.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
 12 Months Ended
Dec. 31, 2024
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. (“Western New England Bancorp,” “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, 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 (“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.

 

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

 

Significant Group Concentrations of Credit Risk. Most of the Company’s lending activities are with customers located within the New England region of the country. The Company does not have any significant concentrations to any one industry or customer.

 

Cash and Cash Equivalents. We define cash on hand, cash due from banks, federal funds sold and interest-bearing deposits having an original maturity of 90 days or less as cash and cash equivalents.

 

Securities and Mortgage-Backed Securities. Investment debt securities, including mortgage-backed securities, which management has the positive intent and ability to hold until maturity are classified as held to maturity and are carried at amortized cost. Investment debt securities, including mortgage-backed securities, which have been identified as assets for which there is not a positive intent to hold to maturity are classified as available-for-sale and are carried at fair value with unrealized gains and losses, net of income taxes, reported as a separate component of comprehensive income (loss). Marketable equity securities are measured at fair value with changes in fair value reported on the Company’s consolidated statements of net income as a component of non-interest income, regardless of whether such gains and losses are realized. We do not acquire investment securities and mortgage-backed securities for purposes of engaging in trading activities.

 

Realized gains and losses on sales of investment securities and mortgage-backed securities are computed using the specific identification method and are included in non-interest income on the trade date. The amortization of premiums and accretion of discounts are determined by using the level yield method to the maturity date, except that premiums are amortized to the earliest call date or maturity.

 

Allowance for Credit Losses – Securities Available-for-Sale

 

The Company measures expected credit losses on debt securities available-for-sale based upon the gain or loss position of the security. For debt securities available-for-sale 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. Securities available-for-sale 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. 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. 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.

 

Allowance for Credit Losses – Securities Held-to-Maturity

 

The Company measures expected credit losses on debt securities held-to-maturity 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 securities held-to-maturity would be presented as an allowance for credit loss.

 

Non-marketable Equity Securities. Investments in equity securities without readily determinable fair values are measured at cost, less any impairment, with re-measurement to fair value when there are observable price changes. Impairment is evaluated on such securities based on a qualitative assessment that considers various potential impairment indicators. Upon determining that an impairment exists, a loss is recognized for the amount by which the carrying value exceeds the fair value of the investment.

 

Derivatives. We enter into interest rate swap agreements as part of our interest-rate risk management strategy for certain assets and liabilities and not for speculative purposes. Based on our intended use for interest rate swaps, these are hedging instruments subject to hedge accounting provisions. Cash flow hedges are recorded at fair value in other assets or other liabilities within our balance sheets. Changes in the fair value of these cash flow hedges are initially recorded in accumulated other comprehensive income (loss) and subsequently reclassified into earnings when the forecasted transaction affects earnings.

 

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.

 

Fair Value Hierarchy. We group our assets and liabilities measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value.

 

Level 1: Valuation is based on quoted prices in active markets for identical assets. Level 1 assets generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets.

 

Level 2: Valuation is based on observable inputs other than Level 1 prices, such as quoted prices for similar assets and liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets and liabilities.

 

Level 3: Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets and liabilities. Level 3 assets include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.

 

Federal Home Loan Bank of Boston Stock. The Bank, as a member of the FHLB system, is required to maintain an investment in capital stock of the FHLB of Boston. Based on the redemption provisions of the FHLB, the stock has no quoted market value and is carried at cost. At its discretion, the FHLB may declare dividends on the stock. Management reviews for impairment based on the ultimate recoverability of the cost basis in the FHLB stock. As of December 31, 2024, no impairment has been recognized.

 

Loans Held for Sale. Loans originated and intended for sale in the secondary market are carried at the lower of amortized cost or fair value, as determined by aggregate outstanding commitments from investors or current investor yield requirements. Net unrealized losses, if any, are recognized through a valuation allowance by charges to non-interest income. Gains or losses on sales of mortgage loans are recognized based on the difference between the selling price and the carrying value of the related mortgage loans sold on the trade date and reported within non-interest income on the accompanying consolidated statements of net income.

 

Loans Receivable. Loans are recorded at the principal amount outstanding, adjusted for charge-offs, the allowance for credit losses, unearned premiums, discounts 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 collectible. 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 the loan is considered impaired. Any unpaid amounts previously accrued on these loans are reversed from current period interest 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 when subsequent performance reduces the concern as to the collectability of principal and interest. Loan fees, discounts and premiums on purchased loans, 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.

 

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.

 

The loan 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. For commercial real estate loans, residential real estate loans, and commercial and industrial loans, 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. The expected loss estimates for the consumer loan segment are based on historical loss rates using the weighted average remaining maturity (“WARM”) method.

 

Commercial real estate loans. Loans in this segment include owner occupied and non-owner occupied commercial real estate, multi-family dwellings, and income producing investment properties, as well as commercial construction loans for commercial development projects throughout New England. Typically, commercial real estate loans are secured by office buildings, apartment buildings, industrial properties, warehouses, retail facilities, hotels, assisted living facilities, and educational facilities. Collateral values are established by independent third-party appraisals and evaluations. Primary repayment sources for commercial real estate loans include operating income and cash flow generated by the real estate, sale of the real estate and, funds from any liquidation of the collateral. Under its lending guidelines, the Company generally requires a corporate or personal guarantee from individuals that hold material ownership in the borrowing entity. 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 secured by one-to-four family residential properties and home equity loans and home equity lines secured by first or second mortgage on one-to-four family owner occupied 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 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 principal and interest on a monthly basis, credit history, financial resources and the value of the collateral. Residential real estate loans are originated either for sale to investors or retained in the Company’s loan portfolio. Decisions about whether to sell or retain residential real estate loans are made based on the interest rate, pricing for loans in the secondary market, and the Company’s liquidity and capital needs. 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. The primary risk associated with commercial and industrial loans is the ability of borrowers to achieve business results and cash flows consistent with those projected at loan origination. Collateral frequently consists of a first lien position on business assets including, but not limited to, accounts receivable, inventory, and equipment. The primary repayment source is operating cash flow, followed by liquidation of assets. Under its lending guidelines, the Company generally requires a corporate or personal guarantee from individuals that hold material ownership in the borrowing entity. 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.

 

Allowance for Credit Losses Methodology

 

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.

 

The discounted cash flow (“DCF”) model calculates an expected loss percentage for each loan class by considering the probability of default, using life-of-loan analysis periods for the commercial and industrial, commercial real estate, residential real estate loan segments, and the historical severity of loss, based on the aggregate net lifetime losses incurred per loan class. The expected loss estimates for the consumer loan segment are based on historical loss rates using the remaining life method. 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 nonperforming 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.

 

The company uses a WARM method to estimate the ACL for the consumer loan segment. Under this method, the historical average annual charge-off rate is applied to the weighted average remaining maturity of the loan portfolio, currently calculated at 2.5 years. This calculation is adjusted based on additional factors that include (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 nonperforming loans; (6) the quality of our loan review system and (7) the value of underlying collateral for collateralized loans.

 

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.

 

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 outstanding off-balance-sheet credit exposures that are unconditionally cancellable by the Company. 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.

 

Bank-owned Life Insurance. Bank-owned life insurance policies are reflected on the consolidated balance sheets at cash surrender value. Changes in the net cash surrender value of the policies, as well as insurance proceeds received in excess of carrying value, are reflected in non-interest income on the consolidated statements of net income and are not subject to income taxes.

 

Transfers and Servicing of Financial Assets. Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from us, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) we do not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.

 

Premises and Equipment. Land is carried at cost. Buildings, furniture and equipment are stated at cost, less accumulated depreciation and amortization, computed on the straight-line method over the estimated useful lives of the assets, or the expected lease term, if shorter. Expected terms include lease option periods to the extent that the exercise of such options is reasonably assured. The estimated useful lives of the assets are as follows:

The estimated useful lives of the assets are as follows:

 

  Years
   
Buildings 39
Leasehold Improvements 5-20
Furniture and Equipment 3-7

 

 

The cost of maintenance and repairs is charged to expense when incurred. Major expenditures for betterments are capitalized and depreciated.

 

Other Real Estate Owned. Other real estate owned (“OREO”) represents property acquired through foreclosure or deeded to us in lieu of foreclosure. OREO is initially recorded at the estimated fair value of the real estate acquired, net of estimated selling costs, establishing a new cost basis. Initial write-downs are charged to the allowance for credit losses at the time the loan is transferred to OREO. Subsequent valuations are periodically performed by management and the carrying value is adjusted by a charge to expense to reflect any subsequent declines in the estimated fair value. Operating costs associated with OREO are expensed as incurred.

 

Servicing. The Company services mortgage loans for others. Mortgage servicing assets are recognized as separate assets at fair value when rights are acquired through purchase or retained through the sale of financial assets. Fair value is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. Capitalized servicing rights are reported in other assets and are amortized into service charges and fee income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to the amortized cost. Impairment is determined by stratifying rights by predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual stratum, to the extent that the fair value is less than the capitalized amount for the stratum. Changes in the valuation allowance are reported in service charges and fee income.

 

Servicing fee income is recorded for fees earned for servicing loans, which is included in service charges and fee income. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned.

 

Impairment of Long-lived Assets. Long-lived assets, including premises and equipment and certain identifiable intangible assets that are held and used by the Company, are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. If the asset is determined to be impaired, it is written down to its estimated fair value through a charge to earnings.

 

Goodwill is measured as the excess of the cost of a business combination over the sum of the amounts assigned to identifiable intangible assets acquired less liabilities assumed. Goodwill is not amortized but rather assessed for impairment annually or more frequently if circumstances warrant.

 

Management has the option of first assessing qualitative factors, such as events and circumstances, to determine whether it is more likely than not, meaning a likelihood of more than 50%, the value of a reporting unit is less than its carrying amount. If, after considering all relevant events and circumstances, management determines it is not more likely than not the fair value of a reporting unit is less than its carrying amount, then performing an impairment test is unnecessary.

 

Retirement Plans and Employee Benefits. The Company maintains a tax-qualified defined contribution plan through a third party provider (the “401(k) Plan”) that provides for deferral of federal and state income taxes on employee contributions allowed under Section 401(k) of the Internal Revenue Code of 1986, as amended (the “Internal Revenue Code”). Participants may make pre-tax salary deferrals to the plan not to exceed the annual IRS limits. Effective January 1, 2023, the Company converted to a Safe Harbor 401(k) Plan. In addition to salary deferrals, the Company will match up to 100% of the first 4% of the participant’s eligible compensation (for a total maximum employer matching contribution of 4% of a participant’s eligible compensation). In addition, on an annual basis, the Company may make a discretionary profit share contribution to each participant.

 

Share-based Compensation Plans. We measure and recognize compensation cost relating to share-based payment transactions based on the grant-date fair value of the equity instruments issued. Share-based compensation is recognized over the period the employee is required to provide services for the award. Reductions in compensation expense associated with forfeited options are estimated at the date of grant, and this estimated forfeiture rate is adjusted based on actual forfeiture experience. We use a binomial option-pricing model to determine the fair value of the stock options granted.

 

Employee Stock Ownership Plan. Compensation expense for the Employee Stock Ownership Plan (“ESOP”) is recorded at an amount equal to the shares allocated by the ESOP multiplied by the average fair market value of the shares during the period. We recognize compensation expense ratably over the year based upon our estimate of the number of shares expected to be allocated by the ESOP. Unearned compensation applicable to the ESOP is reflected as a reduction of shareholders’ equity in the consolidated balance sheets. The difference between the average fair market value and the cost of the shares allocated by the ESOP is recorded as an adjustment to additional paid-in capital.

 

Leases. The Company determines if an arrangement is a lease at inception. Operating leases are included within other assets and other liabilities in our consolidated balance sheets. Right-of-use (“ROU”) assets represent our right to use an underlying asset for the lease term and lease liabilities represent our obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As our leases do not provide an implicit rate, we use our incremental borrowing rate based on the information available at commencement date in determining the present value of lease payments. Our lease terms may include options to extend or terminate the lease when it is reasonably certain that we will exercise that option. Lease expense for lease payments is recognized on a straight-line basis over the lease term.

 

Advertising Costs. Advertising costs are accounted for using the accrual basis of accounting.

 

 

Income Taxes. We use the asset and liability method for income tax accounting, whereby, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates applied to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. A valuation allowance related to deferred tax assets is established when, in the judgment of management, it is more likely than not that all or a portion of such deferred tax assets will not be realized based on the available evidence including historical and projected taxable income. We do not have any uncertain tax positions at December 31, 2024 that require accrual or disclosure. We record interest and penalties as part of income tax expense.

 

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 ESOP shares are not deemed outstanding for earnings per share calculations. There were no anti-dilutive shares outstanding during the years ended December 31, 2024, 2023 and 2022.

 

Earnings per common share for the years ended December 31, 2024, 2023 and 2022 have been computed based on the following:

 

                       
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars and shares in thousands) 
     
Net income applicable to common stock  $11,666   $15,068   $25,887 
                
Average number of common shares issued   21,345    22,037    22,451 
Less: Average unallocated ESOP Shares   (264)   (338)   (415)
Less: Average unvested performance-based equity incentive plan shares   (181)   (163)   (156)
                
Average number of common shares outstanding used to calculate basic earnings per common share   20,900    21,536    21,880 
Effect of dilutive performance-based equity incentive plan shares   116    74    41 
Effect of dilutive stock options   —    —    17 
Average number of common shares outstanding used to calculate diluted earnings per common share   21,016    21,610    21,938 
                
Net income per common share:               
Basic earnings per share  $0.56   $0.70   $1.18 
Diluted earnings per share  $0.56   $0.70   $1.18 

 

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:

 

   December 31, 2024   December 31, 2023 
   (Dollars in thousands) 
     
Net unrealized losses on securities available-for-sale  $(31,236)  $(29,166)
Tax effect   7,962    7,422 
Net-of-tax amount   (23,274)   (21,744)
           
Accumulated other comprehensive loss  $(23,274)  $(21,744)

 

Recent Accounting Pronouncements.

 

In November 2023, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2023-07, Segment Reporting – Improvements to Reportable Segment Disclosures (Topic 280), which expands segment disclosure requirements for public entities to require disclosure of significant segment expenses and other segment items on an annual and interim basis. It also requires companies to provide in interim periods all disclosures about a reportable segment’s profit or loss and assets that are currently required annually. This ASU, as amended, became effective for the Company in the consolidated financial statements for the year ended December 31, 2024 (see Note 18 – Segment) and did not have a material impact on the Company’s consolidated financial statements. In addition, this ASU, as amended, will be effective for interim periods beginning in 2025 and is not expected to have a material impact on the Company’s consolidated financial statements.

 

In December 2023, the FASB issued ASU 2023-09, Income Taxes—Improvements to Income Tax Disclosures (Topic 740), which requires entities to disclose specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold. On an annual basis, entities must disclose: (1) the amount of income taxes paid, net of refunds, disaggregated by federal, state, and foreign; and (2) the amount of income taxes paid, net of refunds, disaggregated by individual jurisdictions in which income taxes paid, net of refunds received, for amounts equal to or greater than 5% of total income taxes paid. Further, the amendments also require entities to disclose: (1) income or loss from continued operations before income tax expense (or benefit) disaggregated between domestic and foreign sources; and (2) income or loss from continued operations disaggregated by federal, state, and foreign sources. This ASU, as amended, is effective for the Company in fiscal years beginning after December 15, 2024 and is not expected to have a material impact on the Company’s consolidated financial statements.

 

In November 2024, the FASB issued ASU 2024-03, Income Statement – Reporting Comprehensive Income – Expense Disaggregation Disclosures – Disaggregation of Income Statement Expenses (Subtopic 220-40). ASU 2024-03 requires disaggregated disclosure of income statement expenses for public business entities. ASU 2024-03 requires new financial statement disclosures in tabular form, disaggregating information about prescribed categories underlying any relevant income statement expense caption. The prescribed categories include, among other things, employee compensation, depreciation, and intangible asset amortization. Additionally, entities must disclose the total amount of selling expenses and, in annual reporting periods, an entity’s definition of selling expenses. This ASU is effective for the Company, on a prospective basis, for annual reporting periods beginning after December 15, 2026 and interim reporting periods within annual reporting periods beginning after December 15, 2027 and is not expected to have a material impact on the Company’s consolidated financial statements.
XML 32 R16.htm IDEA: XBRL DOCUMENT v3.25.0.1
INVESTMENT SECURITIES
 12 Months Ended
Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]  
INVESTMENT SECURITIES

 

2.INVESTMENT SECURITIES

 

The following tables summarize the amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024 and December 31, 2023, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive loss on securities available-for-sale. The Company did not record an allowance for credit losses on its securities held-to-maturity portfolio as of December 31, 2024 and December 31, 2023.

 

   December 31, 2024 
   Amortized Cost   Gross Unrealized Gains   Gross Unrealized Losses   Fair Value 
   (Dollars in thousands) 
Securities available-for-sale:                    
Debt securities:                    
Government-sponsored enterprise obligations  $19,424   $—   $(2,966)  $16,458 
Corporate bonds   5,000    —    (390)   4,610 
Total debt securities   24,424    —    (3,356)   21,068 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   161,313    —    (26,535)   134,778 
U.S. government guaranteed mortgage-backed securities   6,203    —    (1,345)   4,858 
Total mortgage-backed securities   167,516    —    (27,880)   139,636 
                     
Total securities available-for-sale   191,940    —    (31,236)   160,704 
                     
Securities held-to-maturity:                    
Debt securities:                    
U.S. Treasury securities   5,002    —    (275)   4,727 
U.S. government guaranteed obligations   1,064    —    (3)   1,061 
Total debt securities   6,066    —    (278)   5,788 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   198,970    13    (39,165)   159,818 
Total mortgage-backed securities   198,970    13    (39,165)   159,818 
                     
Total securities held-to-maturity   205,036    13    (39,443)   165,606 

Total 

  $396,976   $13   $(70,679)  $326,310 

 

   December 31, 2023 
   Amortized Cost   Gross Unrealized Gains   Gross Unrealized Losses   Fair Value 
   (Dollars in thousands) 
Securities available-for-sale:                    
Debt securities:                    
Government-sponsored enterprise obligations  $14,924   $—   $(2,898)  $12,026 
State and municipal bonds   135    —    —    135 
Corporate bonds   8,000    —    (1,038)   6,962 
Total debt securities   23,059    —    (3,936)   19,123 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   136,533    —    (23,976)   112,557 
U.S. government guaranteed mortgage-backed securities   6,689    —    (1,254)   5,435 
Total mortgage-backed securities   143,222    —    (25,230)   117,992 
                     
Total securities available-for-sale   166,281    —    (29,166)   137,115 
                 
Securities held-to-maturity:                
Debt securities:                
U.S. Treasury securities   9,995    —    (545)   9,450 
Total debt securities   9,995    —    (545)   9,450 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   213,375    107    (35,240)   178,242 
Total mortgage-backed securities   213,375    107    (35,240)   178,242 
                     
 Total securities held-to-maturity   223,370    107    (35,785)   187,692 

Total 

  $389,651   $107   $(64,951)  $324,807 

 

The following table presents the unrealized gains (losses) recognized on marketable equity securities for the years indicated:

 

             
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
Net gains (losses) recognized during the year on marketable equity securities  $13   $(1)  $(717)
Net losses recognized during the year on equity securities sold during the year   —    —    1,021 
Unrealized gain (loss) recognized during the year on marketable equity securities still held at year end  $13   $(1)  $304 

 

 

During the second quarter of 2023, $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 December 31, 2024 and 2023, the balance of marketable equity securities was $397,000 and $196,000.

 

At December 31, 2024, U.S. Treasury securities with a fair value of $4.7 million, government-sponsored enterprise obligations with a fair value of $7.9 million and mortgage-backed securities with a fair value of $157.4 million were pledged to secure public deposits 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 securities available-for-sale and held-to-maturity at December 31, 2024, 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 
   (Dollars in thousands) 
Debt securities:                    
Due after one year through five years  $—   $—   $5,002   $4,727 
Due after five years through ten years   22,427    19,076    —    — 
Due after ten years   1,997    1,992    1,064    1,061 
Total debt securities  $24,424   $21,068   $6,066   $5,788 

 

   Available-for-Sale   Held-to-Maturity 
   Amortized Cost   Fair Value   Amortized Cost   Fair Value 
   (Dollars in thousands) 
Mortgage-backed securities:                    
Due after one year through five years  $843   $820   $—   $— 
Due after five years through ten years   2,807    2,749    2,524    2,397 
Due after ten years   163,866    136,067    196,446    157,421 
Total mortgage-backed securities   167,516    139,636    198,970    159,818 
Total securities  $191,940   $160,704   $205,036   $165,606 

 

Gross realized losses on sales of securities available-for-sale for the year ended December 31, 2022 were $4,000. There were no gross realized gains or losses on sales of securities available-for-sale for the years ended December 31, 2024 and 2023.

 

Proceeds from the sales of securities available-for-sale totaled $20,000 for the year ended December 31, 2022. There were no sales of securities for the years ended December 31, 2024 and 2023.

 

Accrued interest receivable on securities available-for-sale guaranteed by government agencies totaled $472,000 at December 31, 2024 and $333,000 at December 31, 2023, and is excluded from the estimate of credit losses. Accrued interest receivable on debt securities available-for-sale not guaranteed by government agencies totaled $123,000 at December 31, 2024 and $178,000 at December 31, 2023, and is excluded from the estimate of credit losses. There were no allowances for credit losses established on debt securities available-for-sale during the years ended December 31, 2024 and 2023.

 

At December 31, 2024 there was one available-for-sale corporate bond that was rated below investment grade by one or more ratings agencies, while at December 31, 2023, 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 the corporate bond rated below investment grade at December 31, 2024 and has concluded that the amortized cost remains supported by the expected future cash flows of the securities.

 

Accrued interest receivable on securities held-to-maturity totaled $430,000 at December 31, 2024 and $454,000 at December 31, 2023, and is excluded from the estimate of credit losses. There were no allowances for credit losses established on securities held-to-maturity securities during the years ended December 31, 2024 and 2023.

 

The following tables summarize the gross unrealized losses and fair value of the Company’s securities available-for-sale and held-to-maturity, segregated by the duration of their continuous unrealized loss positions at December 31, 2024 and 2023:

 

   December 31, 2024 
   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) 
Securities available-for-sale:                                        
Government-sponsored mortgage-backed securities   9   $33,145   $584    1.7%   70   $99,529   $25,951    20.7%
U.S. government guaranteed mortgage-backed securities   —    —    —    —    9    4,858    1,345    21.7 
Government-sponsored enterprise obligations   3    4,452    19    0.4    3    11,988    2,947    19.7 
Corporate bonds   —    —    —    —    2    4,610    390    7.8 
Total securities available-for-sale   12    37,597    603         84    120,985    30,633      
                                 
Securities held-to-maturity:                                
U.S. Treasury securities   —    —    —    —%   1    4,727    275    5.5%
U.S. government guaranteed obligations   1    1,061    3    0.3    —    —    —    — 
Government-sponsored mortgage-backed securities   4    9,187    127    1.4    37    148,992    39,038    20.8 
Total securities held-to-maturity   5    10,248    130         38    153,719    39,313      
                                         
Total securities   17   $47,845   $733         122   $274,704   $69,946      

 

 

   December 31, 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) 
Securities available-for-sale:                                        
Government-sponsored mortgage-backed securities   —   $—   $—    —%   70   $112,557   $23,976    17.6%
U.S. government guaranteed mortgage-backed securities   —    —    —    —    9    5,435    1,254    18.7 
Government-sponsored enterprise obligations   —    —    —    —    3    12,026    2,898    19.4 
Corporate bonds   —    —    —    —    3    6,962    1,038    13.0 
Total securities available-for-sale   —    —    —         85    136,980    29,166      
                                         
Securities held-to-maturity:                                        
U.S. Treasury securities   —    —    —    —%   2    9,450    545    5.5%
Government-sponsored mortgage-backed securities   4    7,097    56    0.8    36    164,395    35,184    17.6 
Total securities held-to-maturity   4    7,097    56         38    173,845    35,729      
                                         
Total securities   4   $7,097   $56         123   $310,825   $64,895      

 

The Company expects to recover its amortized cost basis on all securities in its available-for-sale and held-to-maturity portfolios. Furthermore, the Company does not intend to sell, nor does it anticipate that it will be required to sell any of its securities in an unrealized loss position as of December 31, 2024, prior to this anticipated recovery. The decline in fair value on its available-for-sale and held-to-maturity portfolios is largely due to changes in interest rates and other market conditions and not due to credit quality issues. The issuers continue to make timely principal and interest payments on the securities and the fair value is expected to recover as the securities approach maturity. The Company’s ability and intent to hold these securities until recovery is supported by the Company’s stable capital and liquidity positions as well as its historically low portfolio turnover. The following description provides the number of investment positions in an unrealized loss position:

 

At December 31, 2024, the Company reported unrealized losses on the securities available-for-sale portfolio of $31.2 million, or 16.2% of the amortized cost basis of the securities available-for-sale, compared to unrealized losses of $29.2 million, or 17.5% of the amortized cost basis of the securities available-for-sale at December 31, 2023. At December 31, 2024, there were 96 securities available-for-sale in which the fair value was less than the amortized cost, compared to 85 securities available-for-sale at December 31, 2023.

 

At December 31, 2024, the Company reported unrealized losses on the securities held-to-maturity portfolio of $39.4 million, or 19.2%, of the amortized cost basis of the securities held-to-maturity portfolio, compared to $35.7 million, or 16.0% of the amortized cost basis of the securities held-to-maturity at December 31, 2023. At December 31, 2024, there 43 securities held-to-maturity in which the fair value was less than the amortized cost, compared to 42 securities held-to-maturity at December 31, 2023.
XML 33 R17.htm IDEA: XBRL DOCUMENT v3.25.0.1
LOANS AND ALLOWANCE FOR CREDIT LOSSES
 12 Months Ended
Dec. 31, 2024
Receivables [Abstract]  
LOANS AND ALLOWANCE FOR CREDIT LOSSES

 

3.LOANS AND ALLOWANCE FOR CREDIT LOSSES

 

The following table presents the summary of the loan portfolio by the major classification of the loan at the periods indicated:

 

   December 31,   December 31, 
   2024   2023 
   (Dollars in thousands) 
Commercial real estate:          
Non-owner occupied  $880,828   $881,643 
Owner occupied   194,904    198,108 
Total commercial real estate   1,075,732    1,079,751 
           
Residential real estate:
          
Residential one-to-four family   653,802    612,315 
Home equity   121,857    109,839 
 Total residential real estate   775,659    722,154 
           
Commercial and industrial   211,656    217,447 
           
Consumer   4,391    5,472 
           
Total gross loans   2,067,438    2,024,824 
Plus: Unearned premiums and deferred loan fees and costs, net   2,751    2,493 
Less: Allowance for credit losses   (19,529)   (20,267)
Net loans  $2,050,660   $2,007,050 

 

Lending activities primarily consist of commercial real estate loans, commercial and industrial loans, residential real estate loans, and to a lesser degree, consumer loans.

 

Loans Pledged as Collateral.

 

At December 31, 2024 and December 31, 2023, the carrying value of eligible loans pledged as collateral to support borrowing capacity at the FHLB were $906.0 million and $941.2 million, respectively. The outstanding balance of FHLB advances was $98.0 million and $40.6 million at December 31, 2024 and December 31, 2023, respectively.

 

At December 31, 2024, the carrying value of eligible loans pledged as collateral to support borrowing capacity at the Federal Reserve Bank (“FRB”) was $377.0 million. There were no loans pledged to secure borrowing capacity at the FRB at December 31, 2023. There were no funds borrowed from the FRB backed by loans outstanding or securities pledged at December 31, 2024 or December 31, 2023.

 

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 December 31, 2024 and December 31, 2023, the Company was servicing commercial loans participated out to various other institutions totaling $65.3 million and $65.0 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 December 31, 2024, include weighted average prepayment speed for the portfolio using the Public Securities Association Standard Prepayment Model (141 PSA), average internal rate of return (10.01%), weighted average servicing fee (0.25%), and average cost to service loans ($83.31 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 year ended December 31, 2024, the Company sold $20.1 million in residential real estate mortgages with servicing retained and recorded gains on the sale of mortgages of $235,000 within non-interest income. There were no sales of residential real estate mortgages to the secondary market during the year ended December 31, 2023.

 

At December 31, 2024 and December 31, 2023, the Company was servicing residential mortgage loans owned by investors totaling $84.8 million and $72.7 million, respectively. Servicing fee income of $189,000 and $191,000 was recorded for the years ended December 31, 2024 and 2023, 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:

 

               
   Years Ended December 31, 
   2024   2023 
   (Dollars in thousands) 
Balance at the beginning of year:  $422   $550 
Capitalized mortgage servicing rights   114    — 
Amortization   (100)   (128)
Balance at the end of year  $436   $422 
Fair value at the end of year  $826   $724 

 

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.

 

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 $7.4 million at December 31, 2024 and $7.5 million at December 31, 2023 and is excluded from the estimate of credit losses.

 

An analysis of changes in the allowance for credit losses for loans and off-balance sheet commitments by segment for the years ended December 31, 2024 and 2023 is as follows:

 

   Commercial Real Estate   Residential Real Estate   Commercial and Industrial   Consumer   Unallocated   Total 
   (Dollars in thousands) 
Allowance for credit losses for loans                              
                               
Balance at December 31, 2023  $15,141   $2,548   $2,537   $41   $—   $20,267 
Provision for (reversal of) for credit losses   (1,670)   761    (212)   296    —    (825)
Charge-offs   (46)   (185)   (65)   (228)   —    (524)
Recoveries   252    32    217    110    —    611 
Balance at December 31, 2024  $13,677   $3,156   $2,477   $219   $—   $19,529 
                               
Balance at December 31, 2022  $12,199   $4,312   $3,160   $245   $15   $19,931 
Cumulative effect change in accounting principle   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   (292)   728    665    92    —    1,193 
Charge-offs   (764)   —    (1,561)   (185)   —    (2,510)
Recoveries   9    26    348    88         471 
Balance at December 31, 2023  $15,141   $2,548   $2,537   $41   $—   $20,267 
                               

The following table presents information pertaining to the allowance for credit losses by segment Pre-ASC 326 CECL adoption for the year ended December 31, 2022:

 

   Commercial Real Estate   Residential Real Estate   Commercial and Industrial   Consumer   Unallocated   Total 
   (Dollars in thousands) 
                         
Balance at December 31, 2021  $12,970   $3,964   $2,643   $197   $13   $19,787 
Provision for (reversal of) for credit losses   (434)   344    586    202    2    700 
Charge-offs   (337)   (28)   (92)   (216)   —    (673)
Recoveries   —    32    23    62    —    117 
Balance at December 31, 2022  $12,199   $4,312   $3,160   $245   $15   $19,931 

 

   Commercial Real Estate   Residential Real Estate   Commercial and Industrial   Consumer   Unallocated   Total 
   (Dollars in thousands) 
                         
Allowance for credit losses for off-balance sheet exposures                              
                               
Balance at December 31, 2023  $375   $163   $59   $—   $—   $597 
Provision (reversal) for credit losses   81    93    (14)   —    —    160 
Balance at December 31, 2024  $456   $256   $45   $—   $—   $757 
                               
Balance at December 31, 2022  $—   $—   $—   $—   $—   $— 
Cumulative effect of change in accounting principle   611    267    40    —    —    918 
Reversal of credit losses   (236)   (104)   19    —    —    (321)
Balance at December 31, 2023  $375   $163   $59   $—   $—   $597 

 

There was no allowance for credit losses for off-balance sheet exposures for the year ended December 31, 2022.

 

During the year ended December 31, 2024, the Company recorded a reversal of credit losses of $665,000, compared to a provision for credit losses of $872,000 during the year ended December 31, 2023. The $665,000 reversal of credit losses during the year ended December 31, 2024 was comprised of an $825,000 reversal of credit losses on loans, which was offset by a $160,000 reserve on unfunded loan commitments related to the impact of higher unfunded loan commitments for the period.

 

During the year ended December 31, 2023, the Company recorded a provision for credit losses of $872,000, comprised of a $1.2 million provision for loan losses, partially offset by a $321,000 reversal of reserves on unfunded loan commitments primarily related to the impact of lower unfunded loan commitments.

 

The provision for or reversal of credit losses was determined by a number of factors: the continued stable 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 reserved for the current economic environment and supportable forecast period.

 

Past Due and Nonperforming 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 

  

Nonperforming 

Loans

 
   (Dollars in thousands) 
December 31, 2024                            
Commercial real estate:                                   
Non-owner occupied  $285   $—   $—   $285   $880,543   $880,828   $— 
Owner occupied   —    —    —    —    194,904    194,904    330 
Total   285    —    —    285    1,075,447    1,075,732    330 
Residential real estate:
                                   
Residential one-to-four family   1,747    569    983    3,299    650,503    653,802    3,965 
Home equity   810    213    317    1,340    120,517    121,857    408 
Total   2,557    782    1,300    4,639    771,020    775,659    4,373 
Commercial and industrial   60    —    1    61    211,595    211,656    673 
Consumer   10    —    —    10    4,381    4,391    5 
Total loans  $2,912   $782   $1,301   $4,995   $2,062,443   $2,067,438   $5,381 

 

   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

  

Nonperforming

Loans

 
   (Dollars in thousands) 
December 31, 2023                            
Commercial real estate:                                   
Non-owner occupied  $—   $647   $236   $883   $880,760   $881,643   $1,107 
Owner occupied   272    —    167    439    197,669    198,108    240 
Total   272    647    403    1,322    1,078,429    1,079,751    1,347 
Residential real estate:
                                   
Residential one-to-four family   2,354    934    881    4,169    608,146    612,315    4,739 
Home equity   263    112    102    477    109,362    109,839    109 
Total   2,617    1,046    983    4,646    717,508    722,154    4,848 
Commercial and industrial   20    —    8    28    217,419    217,447    218 
Consumer   3    —    —    3    5,469    5,472    8 
Total loans  $2,912   $1,693   $1,394   $5,999   $2,018,825   $2,024,824   $6,421 

 

At December 31, 2024 and December 31, 2023, total past due loans totaled $5.0 million, or 0.24% of total loans, and $6.0 million, or 0.30% of total loans, respectively.

 

Nonperforming 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 nonperforming status, interest accruals cease and uncollected accrued interest is reversed and charged against current interest income. Interest payments on nonperforming 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 is a summary of the Company’s nonperforming loans by major categories at December 31, 2024 and December 31, 2023:

 

                           
   As of December 31, 2024   For the Year Ended December 31, 2024 
   Nonperforming Loans with Allowance for Credit Loss   Nonperforming Loans Without Allowance for Credit Loss  

Total  

Nonperforming Loans 

   Accrued Interest Receivable Reversed from Income 
   (Dollars in thousands) 
Commercial real estate:                    
Non-owner occupied  $—   $—   $—   $— 
Owner occupied   —    330    330    — 
Total   —    330    330    — 
Residential real estate:                    
Residential one-to-four family   —    3,965    3,965    192 
Home equity   —    408    408    30 
Total        4,373    4,373    222 
Commercial and industrial   —    673    673    151 
Consumer   —    5    5    — 
Total loans  $—   $5,381   $5,381   $373 

 

                           
   As of December 31, 2023   For the Year Ended December 31, 2023 
   Nonperforming Loans with Allowance for Credit Loss   Nonperforming Loans Without Allowance for Credit Loss  

Total 

Nonperforming Loans 

   Accrued Interest Receivable Reversed from Income 
   (Dollars in thousands) 
Commercial real estate:                    
Non-owner occupied  $—   $1,107   $1,107   $44 
Owner occupied   —    240    240    23 
Total   —    1,347    1,347    67 
Residential real estate:                    
Residential one-to-four family   —    4,739    4,739    182 
Home equity   —    109    109    10 
Total        4,848    4,848    192 
Commercial and industrial   —    218    218    159 
Consumer   —    8    8    — 
Total loans  $—   $6,421   $6,421   $418 

 

At December 31, 2024 and December 31, 2023, nonperforming loans totaled $5.4 million, or 0.26% of total loans and $6.4 million, or 0.32% of total loans, respectively. The Company did not recognize any interest income on nonperforming loans for the years ended December 31, 2024 and 2023. At December 31, 2024 and December 31, 2023, there were no commitments to lend additional funds to any borrower on nonperforming status. At December 31, 2024 and December 31, 2023, there were no loans 90 or more days past due and still accruing interest. There was no other real estate owned at December 31, 2024 or December 31, 2023.

 

Individually Evaluated Collateral Dependent Loans.

 

Loans that do not share similar risk characteristics with loans that are pooled into portfolio segments are individually evaluated. A loan is considered collateral dependent 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. Loans that are rated Substandard, have a loan-to-value above 85% or have demonstrated a specific weakness (e.g., slow payment history, industry weakness, or other clear credit deterioration) may be considered for individual evaluation if they are determined not to share similar risk characteristics within the segment. Individually evaluated assets will be measured primarily using the collateral dependent financial asset practical expedient, although the discounted cash flow method may be used when management deems it more appropriate or collateral values cannot be supported. For individually evaluated assets, an ACL is determined separately for each financial asset. At December 31, 2024, the Company had $1.3 million in individually evaluated commercial loans, collateralized by business assets, and $13.0 million in individually evaluated real estate loans, collateralized by real estate property.

 

The following table summarizes the Company’s individually evaluated collateral dependent loans by class as of the dates indicated:

 

   As of December 31, 2024 
   Recorded Investment   Related Allowance 
   (Dollars in thousands) 
With no related allowance recorded:          
Commercial real estate:          
Non-owner occupied  $6,956   $— 
Owner occupied   1,285    — 
Total   8,241    — 
Residential real estate:          
Residential one-to-four family   4,333    — 
Home equity   408    — 
Total   4,741      
Commercial and industrial   776    — 
Consumer   —    — 
Loans with no related allowance recorded  $13,758   $— 
           
With an allowance recorded:          
Commercial real estate:          
Non-owner occupied  $—   $— 
Owner occupied   —    — 
Total   —    — 
Residential real estate:          
Residential one-to-four family   —    — 
Home equity   —    — 
Total   —    — 
Commercial and industrial   494    156 
Consumer   —    — 
Loans with an allowance recorded  $494   $156 
Total individually evaluated loans  $14,252   $156 

 

   As of December 31, 2023 
   Recorded Investment   Related Allowance 
   (Dollars in thousands) 
With no related allowance recorded:          
Commercial real estate:          
Non-owner occupied  $8,879   $— 
Owner occupied   1,769    — 
Total   10,648    — 
Residential real estate:          
Residential one-to-four family   5,163    — 
Home equity   109    — 
Total   5,272    — 
Commercial and industrial   13,273    — 
Consumer   8    — 
Loans with no related allowance recorded  $29,201   $— 
           
With an allowance recorded:          
Commercial real estate:  $—   $— 
Non-owner occupied   —    — 
Owner occupied   —    — 
Total   —    — 
Residential real estate:          
Residential one-to-four family   —    — 
Home equity   —    — 
Total          
Commercial and industrial   517    179 
Consumer   —    — 
Loans with an allowance recorded  $517   $179 
Total individually evaluated loans  $29,718   $179 

 

Modified Loans to Borrowers Experiencing Financial Difficulty.

 

The Company will modify the contractual terms of loans to a borrower experiencing financial difficulties as a way to mitigate loss and comply with regulations regarding bankruptcy and discharge situations. 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 granted based on borrower financial difficulty during the years ended December 31, 2024 and 2023. During the years ended December 31, 2024 and 2023, 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 years ended December 31, 2024 or 2023.

 

Credit Quality Information.

 

The Company monitors the credit quality of its loan portfolio by using internal risk ratings that are based on regulatory guidance. The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company utilizes an eight-grade internal loan rating system for commercial real estate and commercial and industrial loans.

 

The grades assigned and definitions are as follows: loans graded excellent, above average, good are classified as “Pass” for grading purposes (risk ratings 1-4). All loans risk rated Special Mention (5), Substandard (6), Doubtful (7) and Loss (8) are listed on the Company’s criticized report and are reviewed not less than on a quarterly basis to assess the level of risk and to ensure that appropriate actions are being taken to minimize potential loss exposure. In addition, the Company closely monitors classified loans, defined as Substandard, Doubtful, and Loss for signs of deterioration to mitigate the growth in nonperforming loans, including performing additional due diligence, updating valuations and requiring additional financial reporting from the borrower. Loans identified as containing a loss are partially charged-off or fully charged-off. 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 are classified as “Pass” and have quality metrics to support that the loan will be repaid according to the terms established and are not subject to adverse criticism as defined in regulatory guidance. Pass loans exhibit characteristics that represent acceptable risk and are not considered problem loans.

 

Loans rated 5: Loans rated 5 are classified as “Special Mention” and have potential weaknesses that deserve management’s close attention. Special mention loans are currently performing but with potential weaknesses including adverse trends in borrower’s operations, credit quality, financial strength, or possible collateral deficiency. 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. Special Mention loans do not sufficiently expose the Company to warrant adverse classification.

 

Loans rated 6: Loans rated 6 are classified as “Substandard” and have an identified definitive weakness which may make full collection of contractual cash flows questionable and/or jeopardize the liquidation of the debt.

 

Loans rated 7: Loans rated 7 are classified as “Doubtful” and 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 classified a “Loss” and are considered uncollectible and are charged to the allowance for credit losses. 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, the Company formally reviews the ratings on all commercial real estate loans over $2 million and commercial and industrial loans over $1 million. On an ongoing basis, Management utilizes delinquency reports, interim customer financials, the criticized loan report and other loan reports to monitor credit quality and adjust risk ratings accordingly. In addition, at least on an annual basis, the Company contracts with an independent third-party 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 tables summarize the amortized cost basis by aggregate Pass and criticized categories of Special Mention and Substandard within the Company’s internal risk rating system by year of origination as of December 31, 2024 and 2023. The tables also summarize gross charge-offs by year of origination for the years ended December 31, 2024 and 2023.

 

                                                       
   As of and Year Ended December 31, 2024 
   Term Loan Origination by Year   Revolving Loans 
   2024   2023   2022   2021   2020   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
                                     
Commercial Real Estate:                                             
Pass (Rated 1- 4)  $51,726   $46,105   $175,159   $237,531   $108,165   $348,564   $84,083   $3,391   $1,054,724 
Special Mention (Rated 5)   —    —    —    —    —    10,104    134    —    10,238 
Substandard (Rated 6)   —    —    —    —    8,166    2,604    —    —    10,770 
Total commercial real estate loans  $51,726   $46,105   $175,159   $237,531   $116,331   $361,272   $84,217   $3,391   $1,075,732 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $46   $—   $—   $46 
                                              
Payment Performance:                                             
Performing  $51,726   $46,105   $175,159   $237,531   $116,331   $360,942   $84,217   $3,391   $1,075,402 
Nonperforming   —    —    —    —    —    330    —    —    330 
                                              
Residential One-to-Four Family:                                             
Pass  $79,180   $60,825   $87,635   $88,761   $119,302   $205,620   $7,821   $—   $649,144 
Substandard   —    —    425    355    380    3,498    —    —    4,658 
Total residential one-to-four family  $79,180   $60,825   $88,060   $89,116   $119,682   $209,118   $7,821   $—   $653,802 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $59   $—   $—   $59 
                                              
Payment Performance:                                             
Performing  $79,180   $60,825   $87,635   $88,761   $119,302   $206,313   $7,821   $—   $649,837 
Nonperforming   —    —    425    355    380    2,805    —    —    3,965 
                                              
Home Equity:                                             
Pass  $9,509   $8,699   $9,196   $5,801   $6,264   $9,998   $68,920   $3,062   $121,449 
Substandard   13    —    70    —    —    —    317    8    408 
Total home equity loans  $9,522   $8,699   $9,266   $5,801   $6,264   $9,998   $69,237   $3,070   $121,857 
                                              
Current period gross charge-offs  $—   $—   $20   $—   $—   $7   $—   $99   $126 
                                              
Payment Performance:                                             
Performing  $9,509   $8,699   $9,196   $5,801   $6,264   $9,998   $68,920   $3,062   $121,449 
Nonperforming   13    —    70    —    —    —    317    8    408 

 

 

   As of and Year Ended December 31, 2024 
   Term Loans Originated by Year   Revolving Loans 
   2024   2023   2022   2021   2020   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
Commercial and Industrial:                                             
Pass (Rated 1- 4)  $29,346   $19,096   $27,609   $27,371   $14,859   $22,117   $58,852   $64   $199,314 
Special Mention (Rated 5)   —    25    590    125    —    328    99    —    1,167 
Substandard (Rated 6)   —    5,872    —    —    376    1,547    3,380    —    11,175 
Total commercial and industrial loans  $29,346   $24,993   $28,199   $27,496   $15,235   $23,992   $62,331   $64   $211,656 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $56   $—   $9   $65 
                                              
Payment Performance:                                             
Performing  $29,346   $24,993   $28,199   $27,496   $15,235   $23,468   $62,182   $64   $210,983 
Nonperforming   —    —    —    —    —    524    149    —    673 
                                              
Consumer:                                             
Pass  $839   $1,421   $842   $271   $45   $145   $823   $—   $4,386 
Substandard   —    —    —    —    —    5    —    —    5 
Total consumer loans  $839   $1,421   $842   $271   $45   $150   $823   $—   $4,391 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $228   $228 
                                              
Payment Performance:                                             
Performing  $839   $1,421   $842   $271   $45   $145   $823   $—   $4,386 
Nonperforming   —    —    —    —    —    5    —    —    5 

 

 

   As of and Year Ended December 31, 2023 
   Term Loan Origination by Year   Revolving Loans 
   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)  $42,764   $175,829   $228,739   $113,631   $91,353   $320,806   $81,483   $9,289   $1,063,894 
Special Mention (Rated 5)   —    —    —    180    915    3,237    164    —    4,496 
Substandard (Rated 6)   —    —    —    8,013    —    3,348    —    —    11,361 
Total commercial real estate loans  $42,764   $175,829   $228,739   $121,824   $92,268   $327,391   $81,647   $9,289   $1,079,751 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $764   $—   $—   $764 
                                              
Payment Performance:                                             
Performing  $42,764   $175,829   $228,739   $121,824   $92,268   $326,044   $81,647   $9,289   $1,078,404 
Nonperforming   —    —    —    —    —    1,347    —    —    1,347 
                                              
Residential One-to-Four Family:                                             
Pass  $59,257   $88,213   $94,290   $125,917   $54,263   $174,688   $10,401   $—   $607,029 
Substandard   —    447    495    445    —    3,899    —    —    5,286 
Total residential one-to-four family  $59,257   $88,660   $94,785   $126,362   $54,263   $178,587   $10,401   $—   $612,315 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $59,257   $88,213   $94,290   $125,540   $54,263   $175,612   $10,401   $—   $607,576 
Nonperforming   —    447    495    822    —    2,975    —    —    4,739 
                                              
Home Equity:                                             
Pass  $9,937   $10,885   $6,861   $7,108   $5,234   $7,261   $60,115   $2,329   $109,730 
Substandard   —    —    —    —    —    7    90    12    109 
Total home equity loans  $9,937   $10,885   $6,861   $7,108   $5,234   $7,268   $60,205   $2,341   $109,839 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $9,937   $10,885   $6,861   $7,108   $5,234   $7,261   $60,115   $2,329   $109,730 
Nonperforming   —    —    —    —    —    7    90    12    109 

 

   As of and Year Ended December 31, 2023 
   Term Loans Originated by Year   Revolving Loans 
   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)  $31,108   $35,705   $26,553   $19,780   $19,765   $8,825   $57,393   $69   $199,198 
Special Mention (Rated 5)   —    101    —    —    8    498    707    —    1,314 
Substandard (Rated 6)   —    —    1,408    8,156    —    85    7,286    —    16,935 
Total commercial and industrial loans  $31,108   $35,806   $27,961   $27,936   $19,773   $9,408   $65,386   $69   $217,447 
                                              
Current period gross charge-offs  $—   $147   $—   $—   $—   $221   $—   $1,193   $1,561 
                                              
Payment Performance:                                             
Performing  $31,108   $35,806   $27,961   $27,936   $19,773   $9,401   $65,175   $69   $217,229 
Nonperforming   —    —    —    —    —    7    211    —    218 
                                              
Consumer:                                             
Pass  $2,168   $1,381   $524   $241   $68   $270   $812   $—   $5,464 
Substandard   —    —    —    —    —    8    —    —    8 
Total consumer loans  $2,168   $1,381   $524   $241   $68   $278   $812   $—   $5,472 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $3   $182   $185 
                                              
Payment Performance:                                             
Performing  $2,168   $1,381   $524   $241   $68   $271   $811   $—   $5,464 
Nonperforming   —    —    —    —    —    7    1    —    8 

 

The following table summarizes information about total loans rated Special Mention, Substandard, Doubtful or Loss for the periods noted.

 

             
   December 31, 2024   December 31, 2023 
   (Dollar in thousands) 
Criticized loans:          
Special Mention  $11,405   $5,810 
Substandard   27,016    33,699 
Total criticized loans  $38,421   $39,509 
Total criticized loans as a percentage of total loans   1.9%   1.9%
XML 34 R18.htm IDEA: XBRL DOCUMENT v3.25.0.1
PREMISES AND EQUIPMENT
 12 Months Ended
Dec. 31, 2024
Property, Plant and Equipment [Abstract]  
PREMISES AND EQUIPMENT

4.PREMISES AND EQUIPMENT

 

Premises and equipment are summarized as follows:

 

            
   December 31, 
   2024   2023 
   (Dollars in thousands) 
     
Land  $6,239   $6,239 
Buildings   28,451    28,231 
Leasehold improvements   3,472    3,472 
Furniture and equipment   24,164    23,268 
Total   62,326    61,210 
           
Less: accumulated depreciation and amortization   (37,905)   (35,635)
           
Premises and equipment, net  $24,421   $25,575 

 

Depreciation and amortization expense for the years ended December 31, 2024, 2023 and 2022 amounted to $2.2 million, $2.2 million and $2.3 million, respectively.
XML 35 R19.htm IDEA: XBRL DOCUMENT v3.25.0.1
GOODWILL AND OTHER INTANGIBLES
 12 Months Ended
Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]  
GOODWILL AND OTHER INTANGIBLES

5.GOODWILL AND OTHER INTANGIBLES

 

Goodwill

 

At December 31, 2024 and December 31, 2023, the carrying value of the Company’s goodwill was $12.5 million. Goodwill is measured as the excess of the cost of a business combination over the sum of the amounts assigned to identifiable intangible assets acquired less liabilities assumed. Goodwill is not amortized but rather assessed for impairment annually or more frequently if circumstances warrant. Management has the option of first assessing qualitative factors, such as events and circumstances, to determine whether it is more likely than not, meaning a likelihood of more than 50%, the value of a reporting unit is less than its carrying amount. If, after considering all relevant events and circumstances, management determines it is not more likely than not the fair value of a reporting unit is less than its carrying amount, then performing an impairment test is unnecessary. At December 31, 2024 and December 31, 2023, the Company’s goodwill was related to the acquisition of Chicopee Bancorp, Inc. in October 2016. For the year ended December 31, 2024, management determined that it was not more likely than not the fair value of the reporting unit was less than its carrying amount. If management had determined otherwise, a fair value analysis would have been completed to determine the impairment and necessary write-down of goodwill.

 

Core Deposit Intangibles

 

In connection with the acquisition of Chicopee Bancorp, Inc., the Company recorded a core deposit intangible of $4.5 million, which is being amortized over twelve years using the straight-line method. Amortization expense was $375,000 for each of the years ended December 31, 2024, 2023 and 2022, respectively. At December 31, 2024, future amortization of the core deposit intangible totaled $375,000 for each of the next three years and $313,000 thereafter.
XML 36 R20.htm IDEA: XBRL DOCUMENT v3.25.0.1
DEPOSITS
 12 Months Ended
Dec. 31, 2024
Deposit Assets [Abstract]  
DEPOSITS

 

6.DEPOSITS

 

Deposit accounts, by type, are summarized as follows for the periods indicated:

 

                             
   At December 31, 
   2024   % of
Total
Deposits		   2023   % of
Total
Deposits		 
   (Dollars in thousands) 
Demand and interest-bearing checking:                    
Interest-bearing checking accounts  $150,348    6.7%  $131,031    6.1%
Demand deposit accounts   565,620    25.0%   579,595    27.0%
Savings:                    
Regular savings accounts   181,618    8.0%   187,405    8.8%
Money market accounts   661,478    29.2%   634,361    29.6%
Total core deposits   1,559,064    68.9%   1,532,392    71.5%
Time deposits   703,583    31.1%   611,352    28.5%
Total deposits  $2,262,647    100.0%  $2,143,744    100.0%

 

There were $1.7 million in brokered deposits reported within time deposits at December 31, 2024 and 2023.

 

Time deposits of $250,000 or more, which represent those exceeding the fully-insured FDIC limitation, totaled $234.4 million at December 31, 2024. Interest expense on time deposits of $250,000 or more totaled $9.1 million and $5.6 million for the years ended December 31, 2024 and 2023, respectively.

 

The scheduled maturities of time deposits for the periods indicated are as follows:

 

                   
    At December 31, 
    2024   2023 
    (Dollars in thousands) 
          
2024   $—   $596,292 
2025    694,916    9,302 
2026    5,186    3,170 
2027    1,217    798 
2028    2,129    1,790 
2029    135    — 
Total time deposits   $703,583   $611,352 

 

 

Interest expense on deposits for the years ended December 31, 2024, 2023 and 2022 is summarized as follows:

 

                   
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
     
Savings accounts  $166   $181   $161 
Money market accounts   12,242    9,529    3,187 
Time deposits   28,806    15,898    1,474 
Interest-bearing accounts   1,022    1,041    530 
Total  $42,236   $26,649   $5,352 

 

Cash paid for interest on deposits totaled $42.2 million, $26.4 million and $5.3 million for years ended December 31, 2024, 2023 and 2022, respectively.
XML 37 R21.htm IDEA: XBRL DOCUMENT v3.25.0.1
SHORT-TERM BORROWINGS
 12 Months Ended
Dec. 31, 2024
Debt Disclosure [Abstract]  
SHORT-TERM BORROWINGS

7.SHORT-TERM BORROWINGS

 

On a long-term basis, the Company intends to continue to increase its core deposits to fund loan growth. The Company also uses FHLB borrowings as part of the Company’s overall strategy to manage interest rate risk and liquidity risk. FHLB advances are secured by a blanket security agreement which requires the Company to maintain certain qualifying assets as collateral, principally certain residential real estate loans and commercial real estate loans and securities, not otherwise pledged. The maximum amount that the FHLB will advance to member institutions, including the Company, fluctuates from time to time in accordance with the policies of the FHLB. 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. Advances are made under several different credit programs with different lending standards, interest rates and range of maturities. The Company’s relationship with the FHLB is an integral component of the Company’s asset-liability management program. At December 31, 2024, the Company pledged $906.0 million of eligible collateral to support its borrowing capacity at the FHLB.

 

Short-term FHLB advances totaled $10.0 million with a weighted average rate of 5.56% at December 31, 2023. There were no short-term FHLB advances outstanding at December 31, 2024. The Company also has a standing 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. At December 31, 2024 and 2023, the Company did not have an outstanding balance under the Ideal Way line of credit. At December 31, 2024, the Company had an immediate availability to borrow an additional $464.1 million from the FHLB, including the Ideal Way line of credit, based on qualified collateral pledged.

 

Other borrowings, held as collateral for customer swap arrangements, totaled $5.4 million with a weighted average rate of 4.33% at December 31, 2024 and $6.1 million with a weighted average rate of 5.33% at December 31, 2023, respectively.

 

As a member of the FRB, the Company may also borrow from the Federal Reserve Bank Discount Window (the “Discount Window”). At December 31, 2024 and 2023, the Company had an available line of credit of $382.9 million and $48.6 million, respectively, 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 eligible loan collateral and certain securities from the Company’s investment portfolio not otherwise pledged. At December 31, 2024 and 2023, the Company did not have an outstanding balance under the Discount Window.

 

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 December 31, 2024 and December 31, 2023, there were no advances outstanding under these lines.

 

Cash paid for interest on short-term borrowings totaled $600,000 for the year ended December 31, 2024 and $1.6 million for the year ended December 31, 2023.
XML 38 R22.htm IDEA: XBRL DOCUMENT v3.25.0.1
LONG-TERM DEBT
 12 Months Ended
Dec. 31, 2024
Debt Disclosure [Abstract]  
LONG-TERM DEBT

 

8.LONG-TERM DEBT

 

Cash paid for interest on long-term debt totaled $9.6 million and $2.1 million for the years ended December 31, 2024 and 2023, respectively. During the year ended December 31, 2024, interest previously accrued on Bank Term Funding Program (“BTFP”) advances was payable upon final maturity of the advances in May of 2024 and totaled $4.3 million.

 

FHLB Advances. The following advances are collateralized by a blanket lien on our residential real estate loans and certain eligible commercial real estate loans.

 

    Amount   Weighted Average Rate 
    2024   2023   2024   2023 
    (Dollars in thousands)         
Fixed-rate advances maturing:                     
2024   $—   $30,646    —%   4.81%
2025    25,000    —    5.07    — 
2026    48,000    —    5.00    — 
2027    25,000    —    4.83    — 
Total long-term advances   $98,000   $30,646    4.97%   4.81%

 

BTFP Advances. The Company utilized the BTFP, which was created in March 2023 to enhance banking system liquidity by allowing institutions to pledge certain securities at par value and borrow at a rate of ten basis points over the one-year overnight index swap rate. The BTFP was available to federally insured depository institutions in the U.S., with advances having a term of up to one year with no prepayment penalties. The BTFP ceased extending new advances in March 2024. At December 31, 2023, the outstanding balance under the BTFP was $90.0 million. There was no outstanding balance at December 31, 2024.

 

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 December 31, 2024, $19.8 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 $249,000 as of December 31, 2024, which are being amortized into interest expense over the life of the Notes. Amortization of issuance costs into interest expense was $39,000 for each of the years ended December 31, 2024 and 2023.
XML 39 R23.htm IDEA: XBRL DOCUMENT v3.25.0.1
STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN
 12 Months Ended
Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]  
STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN

 

9.STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN

 

Restricted Stock Awards.

 

In May 2021, the Company’s shareholders approved the 2021 Omnibus Incentive Plan, a share-based compensation plan (the “2021 Omnibus Plan”). Under the 2021 Omnibus 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 Omnibus Plan.

 

On an annual basis, the Compensation Committee (the “Committee”) approves long-term incentive awards out of the 2021 Omnibus 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.

 

2021 Long-Term Incentive Plan.

 

In May 2021, the Committee granted 122,362 shares under the 2021 Long-Term LTI Plan (the “2021 LTI Plan”). Of the 122,362 shares granted, 61,181 shares, or 50% of the shares granted, were time-based restricted shares that were scheduled to vest ratably over a three-year period. The remaining 61,181 shares, or 50% of the shares granted, were performance-based restricted shares which were subject to the achievement of the 2021 LTI Plan performance metrics.

 

The Committee selected Return on Average Equity (“ROE”) and Three-Year Cumulative Diluted Earnings per Share (“EPS”) as the primary performance metrics for the 2021 LTI Plan. Each of these two measures were independently assigned a 50% weight for determining future performance against goals. Performance-based restricted shares will be earned based upon the Company’s performance relative to Threshold, Target and Stretch absolute goals on an annual performance period for ROE metrics and for a three-year cumulative performance period for EPS. For each performance-based goal, achieving Threshold performance pays at 50% of Target value, while achieving Stretch performance pays at 150% of Target value. The performance-based shares will be certified by the Committee and distributed at the end of the three-year period as earned.

 

The Threshold, Target and Stretch metrics under the 2021 LTI Plan are as follows:

 

                 
    ROE Metrics
Performance Period Ending   Threshold   Target   Stretch   Actual  
                   
December 31, 2021   5.63%   6.25%   7.50%   10.64%  
December 31, 2022   5.85%   6.50%   7.80%   11.85%  
December 31, 2023   6.08%   6.75%   8.10%   6.47%  

 

                   
    EPS Metrics  
Performance Period Ending   Threshold   Target   Stretch   Actual  
                   
Three-Year Cumulative Diluted EPS   $1.58   $1.97   $2.36   $2.90  

 

At December 31, 2023, the three-year performance period for the 2021 LTI Plan ended. The 2021 LTI Plan included a “catch-up” provision allowing unearned performance-based restricted shares from the 2021 and 2022 performance periods to be earned at the end of the three-year period based on the ROE and EPS for the final year. At December 31, 2023, the Company achieved Stretch, and granted 69,376 performance-based restricted shares to eligible participants in the first quarter of 2024.

 

2022 Long-Term Incentive Plan.

 

In March 2022, the Committee granted 119,376 shares under the 2022 Long-Term LTI Plan (the “2022 LTI Plan”). Of the 119,376 shares granted, 59,688 shares, or 50% of the shares granted, were time-based restricted shares that are scheduled to vest ratably over a three-year period. The remaining 59,688 shares, or 50% of the shares granted, were performance-based restricted shares that are subject to the achievement of the 2022 LTI Plan performance metrics.

 

The Committee selected ROE and EPS as the primary performance metrics for the 2022 LTI Plan. Each of these two measures were independently assigned a 50% weight for determining future performance against goals. Performance-based restricted shares will be earned based upon the Company’s performance relative to Threshold, Target and Stretch absolute goals on an annual performance period for ROE metrics and for a three-year cumulative performance period for EPS. For each performance-based goal, achieving Threshold performance pays at 50% of Target value, while achieving Stretch performance pays at 150% of Target value. The performance-based restricted shares will be certified by the Committee and distributed at the end of the three-year period as earned.

 

The Threshold, Target and Stretch metrics under the 2022 LTI Plan are as follows:

 

             
    ROE 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%

 

             
    EPS Metrics
Performance Period Ending   Threshold   Target   Stretch
             
Three-Year Cumulative Diluted EPS   $2.35   $2.61   $2.85

 

At December 31, 2024, the three-year performance period for the 2022 LTI Plan ended. The Compensation Committee will certify the results of the 2022 LTI Plan on or about, but no later than March 15, 2025.

 

2022 Annual Equity Retainer.

 

In March 2022, under the Company’s 2021 Omnibus Plan, each non-employee director received an annual equity retainer of 1,975 time-based restricted shares of WNEB common stock. In total, 17,775 shares were granted and fully vested on December 31, 2022.

 

2023 Long-Term Incentive Plan.

 

In March 2023, the Committee granted 120,998 shares under the 2023 Long-Term LTI Plan (the “2023 LTI Plan”). Of the 120,998 shares granted, 60,499 shares, or 50% of the shares granted, were time-based restricted shares and vest ratably over a three-year period. The remaining 60,499 shares, or 50% of the shares granted, were performance-based restricted shares that are subject to the achievement of the 2023 LTI Plan performance metrics.

 

The Committee selected ROE and EPS as the primary performance metrics for the 2023 LTI Plan. Each of these two measures were independently assigned a 50% weight for determining future performance against goals. Performance-based restricted shares will be earned based upon the Company’s performance relative to Threshold, Target and Stretch absolute goals on an annual performance period for ROE metrics and for a three-year cumulative performance period for EPS. For each performance-based goal, achieving Threshold performance pays at 50% of Target value, while achieving Stretch performance pays at 150% of Target value. The performance-based restricted shares will be certified by the Committee and distributed at the end of the three-year period as earned.

 

The Threshold, Target and Stretch metrics under the 2023 LTI Plan are as follows:

 

             
    ROE 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%

 

             
    EPS Metrics
Performance Period Ending   Threshold   Target   Stretch
             
Three-Year Cumulative Diluted EPS   $2.39   $2.65   $2.89

 

2023 Annual Equity Retainer.

 

In March 2023, under the Company’s 2021 Omnibus Plan, each non-employee director received an annual equity retainer of 2,022 time-based restricted shares of WNEB common stock. In total, 18,198 shares were granted and fully vested on December 31, 2023.

 

2024 Long-Term Incentive Plan.

 

In March 2024, the Committee granted 146,422 shares under the 2024 Long-Term LTI Plan (the “2024 LTI Plan”). Of the 146,422 shares granted, 73,211 shares, or 50% of the shares granted, were time-based restricted shares that are scheduled to vest ratably over a three-year period. The remaining 73,211 shares, or 50% of the share granted, were performance-based restricted shares that are subject to the achievement of the 2024 LTI Plan performance metrics.

 

The Committee selected ROE and EPS as the primary performance metrics for the 2024 LTI Plan. Each of these two measures were independently assigned a 50% weight for determining future performance against goals. Performance-based restricted shares will be earned based upon the Company’s performance relative to Threshold, Target and Stretch absolute goals on an annual performance period for ROE metrics and for a three-year cumulative performance period for EPS. For each performance-based goal, achieving Threshold performance pays at 50% of Target value, while achieving Stretch performance pays at 150% of Target value. The performance-based restricted shares will be certified by the Committee and distributed at the end of the three-year period as earned.

 

The Threshold, Target and Stretch metrics under the 2024 LTI Plan are as follows:

 

             
    ROE Metrics
Performance Period Ending   Threshold   Target   Stretch
             
December 31, 2024   5.05%   5.61%   6.17%
December 31, 2025   6.18%   6.86%   7.55%
December 31, 2026   7.30%   8.11%   8.92%

 

             
   

EPS Metrics 
Performance Period Ending   Threshold   Target   Stretch
             
Three-Year Cumulative Diluted EPS   $2.25   $2.50   $2.75
             

 

2024 Annual Equity Retainer.

 

In March 2024, under the Company’s 2021 Omnibus Plan, each non-employee director received an annual equity retainer of 2,384 time-based restricted shares of WNEB common stock. In total, 21,456 shares were granted and there were 19,072 shares that fully vested on December 31, 2024.

 

At December 31, 2024, there were 123,587 remaining shares available to grant under the 2021 Omnibus Plan.

 

A summary of the status of unvested restricted stock awards at December 31, 2024 and 2023 is presented below:

 

   Shares  

Weighted Average Grant

Date Fair Value 

($) 

 
Balance at December 31, 2023   220,635    9.29 
Shares granted   187,049    8.38 
Shares forfeited   (2,384)   8.39 
Shares vested   (150,568)   8.65 
Balance at December 31, 2024   254,732    9.01 

 

   Shares  

Weighted Average Grant

Date Fair Value 

($) 

 
Balance at December 31, 2022   206,092    8.85 
Shares granted   158,957    9.79 
Shares forfeited   (4,219)   9.57 
Shares vested   (140,195)   9.21 
Balance at December 31, 2023   220,635    9.29 

 

We recorded total expense for restricted stock awards of $1.5 million, $1.4 million and $1.1 million for the years ended December 31, 2024, 2023 and 2022, respectively. The aggregate fair value of restricted stock vested during 2024 was $1.3 million. Tax benefits related to equity incentive plan expense were $29,000, $29,000 and $16,000 for the years ended December 31, 2024, 2023 and 2022, respectively. Unrecognized compensation cost for stock awards was $1.0 million at December 31, 2024 with a remaining term of 1.8 years.

 

Employee Stock Ownership Plan (“ESOP”). We established an ESOP for the benefit of each employee that has reached the age of 21 and has completed at least 1,000 hours of service in the previous 12-month period. In January 2002, as part of the initial stock conversion, we provided a loan to the ESOP Trust which was used to purchase 8%, or 1,305,359 shares, of the common stock sold in the initial public offering.

 

In January 2007, as part of the second-step stock conversion, we provided an additional loan to the ESOP Trust which was used to purchase 4.0%, or 736,000 shares, of the 18,400,000 shares of common stock sold in the offering. The 2002 and 2007 loans bear an interest rate of 8.0% and provide for annual payments of interest and principal.

 

At December 31, 2024, the remaining principal balances are payable as follows:

 

Years Ending     
December 31,   Amount 
(Dollars in thousands) 
2025   $447 
2026    447 
2027    447 
2028    447 
2029    447 
Thereafter    182 
Total   $2,417 

 

We have committed to make contributions to the ESOP sufficient to support the debt service of the loans. The loans are secured by the shares purchased, which are held in a suspense account for allocation among the participants as the loans are paid. Total compensation expense applicable to the ESOP amounted to $572,000, $562,000 and $683,000 for the years ended December 31, 2024, 2023 and 2022, respectively.

 

Shares held by the ESOP include the following at December 31, 2024 and 2023:

 

   2024   2023 
Allocated   1,182,583    1,176,311 
Committed to be allocated   71,240    74,993 
Unallocated   220,254    291,494 
Total   1,474,077    1,542,798 

 

Cash dividends declared and received on allocated shares are allocated to participants and charged to retained earnings. Cash dividends declared and received on unallocated shares are held in suspense and are applied to repay the outstanding debt of the ESOP. The fair value of unallocated shares was $2.0 million and $2.6 million at December 31, 2024 and 2023, respectively. ESOP shares are considered outstanding for earnings per share calculations when they are committed to be allocated. Unallocated ESOP shares are excluded from earnings per share calculations. The cost of unearned shares to be allocated to ESOP participants for future services not yet performed is reflected as a reduction of shareholders’ equity.
XML 40 R24.htm IDEA: XBRL DOCUMENT v3.25.0.1
RETIREMENT PLANS AND EMPLOYEE BENEFITS
 12 Months Ended
Dec. 31, 2024
Retirement Benefits [Abstract]  
RETIREMENT PLANS AND EMPLOYEE BENEFITS

 

10.RETIREMENT PLANS AND EMPLOYEE BENEFITS

 

Pension Plan. The Westfield Bank Defined Benefit Plan (the “DB Plan”) was terminated effective October 31, 2022. During the twelve months ended December 31, 2023, the Company recognized the final termination expense of $1.1 million related to the DB Plan termination, which was recorded through non-interest income. The assets of the DB Plan were liquidated as of June 2, 2023.

 

The following table provides information related to the DB Plan for the year ended December 31, 2023:

 

   For the year ended
December 31,		 
   2023 
   (Dollars in thousands)
      
Change in benefit obligation:     
Benefit obligation at beginning of year  $24,612 
Service cost   — 
Interest   487 
Actuarial gain   (33)
Effect of settlement/curtailment   (24,886)
Benefits paid   (180)
Benefit obligation at end of year   — 
      
Change in plan assets:     
Fair value of plan assets at beginning of year   23,134 
Actual return on plan assets   671 
Employer contribution   1,261 
Benefits paid   (180)
Effect of settlement   (24,886)
Fair value of plan assets at end of year   — 
      
Funded status and accrued benefit at end of year  $— 
      
Accumulated benefit obligation at end of year  $— 

 

For the year ended December 31, 2023, the discount rate assumptions reflected the IRS 417 Segment Rates (4.48%/5.26%/5.07%) for lump sums and for annuities in the Insurance Company annuity contract.

 

Net pension cost includes the following components for the year ended December 31, 2023:

 

   For the year ended
December 31,		 
   2023 
    (Dollars in thousands) 
      
Service cost  $— 
Interest cost   487 
Expected return on assets   (333)
Amortization of actuarial loss   — 
Net periodic pension cost  $154 

 

The following actuarial assumptions were used in determining the net periodic pension cost for the year ended December 31, 2023:

 

   Year Ended
December 31,		 
   2023 
Discount rate   5.05%
Expected return on plan assets   3.70 
Rate of compensation increase   N/A 

 

401(k) Defined Contribution Plan.

 

The Company also maintains a tax-qualified defined contribution plan through a third party provider (the “401(k) Plan”) that provides for deferral of federal and state income taxes on employee contributions allowed under Section 401(k) of the Internal Revenue Code. Participants may make pre-tax salary deferrals to the plan not to exceed the annual IRS limits. Effective January 1, 2023, the Company converted to a Safe Harbor 401(k) Plan. In addition to salary deferrals, the Company will match up to 100% of the first 4% of the participant’s eligible compensation (for a total maximum employer matching contribution of 4% of a participant’s eligible compensation). In addition, on an annual basis, the Company may make a discretionary profit share contribution to each participant.

 

The Company’s expense for the 401(k) plan match was $773,000, $736,000 and $470,000 for the years ended December 31, 2024, 2023 and 2022, respectively. The Company’s expense for the 401(k) discretionary profit share contribution was $598,000 and $675,000 for the years ended December 31, 2024 and 2023, respectively. The discretionary profit share contribution expensed during the year ended December 31, 2024 is expected to be made during the first quarter of 2025.
XML 41 R25.htm IDEA: XBRL DOCUMENT v3.25.0.1
DERIVATIVES AND HEDGING ACTIVITIES
 12 Months Ended
Dec. 31, 2024
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.

 

In October of 2024, $200 million in notional amount of designated fair value hedges matured. As of December 31, 2024, the Company did not have any outstanding fair value hedges on the balance sheet. As of December 31, 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 December 31, 2023   At December 31, 2023 
   (Dollars in thousands) 
     
 Loans  $199,393   $(607)
Total  $199,393   $(607)

 

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 December 31, 2023, the amortized cost basis of the closed portfolios used in these hedging relationships was $461.2 million; the cumulative basis adjustments associated with these hedging relationships was approximately $607,000; and the notional amount of the designated hedged items were $200 million. 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.

 

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 tables below present 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 December 31, 2024 and December 31, 2023.

 

December 31, 2024  Asset Derivatives    Liability Derivatives  
   Balance Sheet
Location		  Fair Value   Balance Sheet
Location		  Fair Value 
   (Dollars in thousands)
    
Derivatives not designated as hedging instruments:   
Interest rate swap – with customer counterparties     $—       5,883 
Interest rate swap – with dealer counterparties      5,883       — 
 Total derivatives  Other Assets  $5,883   Other Liabilities  $5,883 

 

December 31, 2023

 

  Asset Derivatives    Liability Derivatives  
   Balance Sheet
Location		  Fair Value   Balance Sheet
Location		  Fair Value 
   (Dollars in thousands)
Hedging Derivatives                
Interest rate swaps - fair value hedges     $651      $— 
Derivatives not designated as hedging instruments:                
Interest rate swap – with customer counterparties      —       5,239 
Interest rate swap – with dealer counterparties      5,239       — 
 Total derivatives  Other Assets  $5,890   Other Liabilities  $5,239 

 

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 December 31, 2024, 2023 and 2022.

 

                       
   Location and Amount of Gain (Loss) Recognized in Income
on Fair Value Hedging Relationships		 
   Year Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
     
Balance sheet location  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  $1,398   $1,085   $— 
                
Gain (loss) on fair value hedging relationships               
Interest rate contracts:               
Hedged items  $607   $(607)   — 
Derivatives designated as hedging instruments   791    1,692    — 

 

There were no gains or losses recognized in accumulated other comprehensive income during the years ended December 31, 2024 and 2023, respectively.

 

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 December 31, 2024, we had minimum collateral posting thresholds with certain of our derivative counterparties. As of December 31, 2024, 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 42 R26.htm IDEA: XBRL DOCUMENT v3.25.0.1
LEASES
 12 Months Ended
Dec. 31, 2024
Leases  
LEASES

 

12.LEASES

 

The Company has lease agreements with lease and non-lease components, which are generally accounted for separately. We have not elected the practical expedient to account for lease and non-lease components as one lease component. The Company has operating leases for certain of our banking offices and ATMs. Our leases have remaining lease terms of less than one year to fourteen years, some of which include options to extend the leases for additional five-year terms up to ten years. Operating lease costs were $1.6 million, $1.6 million, and $1.5 million for the years ended December 31, 2024, 2023 and 2022, respectively.

 

Supplemental cash flow information related to leases was as follows:

 

               
   Year Ended December 31, 
   2024   2023 
   (Dollars in thousands) 
         
Cash paid for amounts included in the measurement of lease liabilities:          
 Operating cash flows from operating leases  $1,524   $1,488 
ROU assets obtained in exchange for lease obligations:          
Operating leases   451    412 

 

Supplemental balance sheet information related to leases was as follows:

 

   December 31, 2024   December 31, 2023 
   (Dollars in thousands) 
         
Operating lease ROU assets  $7,383   $8,201 
Operating lease liabilities  $7,673   $8,471 

 

The weighted average remaining lease term for our operating leases was 8.4 years with a weighted average discount rate of 3.33% at December 31, 2024.

 

Future undiscounted lease payments for the Company’s operating lease liabilities were as follows (in thousands):

      
Years Ending December 31,     
2025   $1,474 
2026    1,358 
2027    1,099 
2028    861 
2029    821 
Thereafter    3,262 
Total lease payments    8,875 
Less imputed interest    (1,202)
Total   $7,673 
XML 43 R27.htm IDEA: XBRL DOCUMENT v3.25.0.1
REGULATORY CAPITAL
 12 Months Ended
Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]  
REGULATORY CAPITAL

 

13.REGULATORY CAPITAL

 

The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on our consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to savings and loan holding companies.

 

Federal banking regulations require the Company and the Bank to maintain minimum amounts and ratios of total, common equity Tier 1, Tier 1 and total capital to risk-weighted assets and Tier 1 capital to average assets, as set forth in the table below. Additionally, community banking institutions must maintain a capital conservation buffer of common equity Tier 1 capital in an amount greater than 2.5% of total risk-weighted assets to avoid being subject to limitations on capital distributions and discretionary bonuses.

 

At December 31, 2024, we exceeded each of the applicable regulatory capital requirements including the capital conservation buffer. As of December 31, 2024, 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.

 

Our actual capital ratios of December 31, 2024 and December 31, 2023 are also presented in the following table.

 

   Actual   Minimum For Capital
Adequacy Purpose		   Minimum To Be Well
Capitalized Under Prompt
Corrective Action Provisions		 
   Amount   Ratio   Amount   Ratio   Amount   Ratio 
   (Dollars in thousands) 
December 31, 2024                        
Total Capital (to Risk Weighted Assets):                              
Consolidated  $285,545    14.38%  $158,884    8.00%    N/A      N/A  
Bank   270,879    13.65    158,744    8.00   $198,430    10.00%
Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,663    12.37    119,163    6.00     N/A      N/A  
Bank   250,748    12.64    119,058    6.00    158,744    8.00 
Common Equity Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,663    12.37    89,372    4.50     N/A      N/A  
Bank   250,748    12.64    89,293    4.50    128,979    6.50 
Tier 1 Leverage Ratio (to Adjusted Average Assets):                              
Consolidated   245,663    9.14    107,461    4.00     N/A      N/A  
Bank   250,748    9.34    107,390    4.00    134,237    5.00 

 

   Actual   Minimum For Capital
Adequacy Purpose		   Minimum To Be Well
Capitalized Under Prompt
Corrective Action Provisions		 
   Amount   Ratio   Amount   Ratio   Amount   Ratio 
   (Dollars in thousands) 
December 31, 2023                        
Total Capital (to Risk Weighted Assets):                              
Consolidated  $285,760    14.67%  $155,873    8.00%    N/A      N/A  
Bank   271,420    13.94    155,711    8.00   $194,639    10.00%
Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,363    12.59    116,905    6.00     N/A      N/A  
Bank   250,734    12.88    116,783    6.00    155,711    8.00 
Common Equity Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,363    12.59    87,679    4.50     N/A      N/A  
Bank   250,734    12.88    87,587    4.50    126,515    6.50 
Tier 1 Leverage Ratio (to Adjusted Average Assets):                              
Consolidated   245,363    9.40    104,400    4.00     N/A      N/A  
Bank   250,734    9.62    104,290    4.00    130,363    5.00 

 

The following is a reconciliation of our GAAP capital to regulatory Tier 1, Common Equity Tier 1 and total capital:

 

               
   December 31, 
   2024   2023 
   (Dollars in thousands) 
     
Consolidated GAAP capital  $235,910   $237,409 
Net unrealized losses on available-for-sale securities, net of tax   23,274    21,744 
Goodwill   (12,487)   (12,487)
Intangible assets, net of associated deferred tax liabilities   (1,034)   (1,303)
Tier 1 and Common Equity Tier 1 capital   245,663    245,363 
Allowance for credit losses for regulatory capital   20,131    20,685 
Subordinated debt   19,751    19,712 
Total regulatory capital  $285,545   $285,760 

 

On May 22, 2024, the Board of Directors authorized a new stock repurchase plan (the “2024 Plan”) under which the Company may repurchase up to 1.0 million shares, or approximately 4.6%, of the Company’s then-outstanding shares of common stock.

 

During the three months ended December 31, 2024, the Company repurchased 220,000 shares of common stock under the 2024 Plan, with an average price per share of $9.00. During the twelve months ended December 31, 2024, the Company repurchased 934,282 shares of common stock under the 2024 Plan and the previously existing share repurchase plan, as applicable, with an average price per share of $7.94. As of December 31, 2024, there were 472,318 shares of common stock available for repurchase under the 2024 Plan.

 

We are subject to dividend restrictions imposed by various regulators, including a limitation on the total of all dividends that the Bank may pay to the Company in any calendar year, to an amount that shall not exceed the Bank’s net income for the current year, plus its net income retained for the two previous years, without regulatory approval. At December 31, 2024, the Bank had $5.3 million in retained earnings available for payment of dividends without prior regulatory approval. In addition, the Bank may not declare or pay dividends on, and we may not repurchase, any of our shares of common stock if the effect thereof would cause shareholders’ equity to be reduced below applicable regulatory capital maintenance requirements or if such declaration, payment or repurchase would otherwise violate regulatory requirements. The Bank will be prohibited from paying cash dividends to the Company to the extent that any such payment would reduce the Bank’s capital below required capital levels. Accordingly, $159.0 million and $156.0 million of our equity in the net assets of the Bank was restricted at December 31, 2024 and 2023, respectively.
XML 44 R28.htm IDEA: XBRL DOCUMENT v3.25.0.1
INCOME TAXES
 12 Months Ended
Dec. 31, 2024
Income Tax Disclosure [Abstract]  
INCOME TAXES

 

14.INCOME TAXES

 

Income taxes consist of the following:

 

                       
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
             
Current tax provision:               
Federal  $2,089   $2,990   $5,251 
State   1,024    1,335    2,403 
Total   3,113    4,325    7,654 
                
Deferred tax provision:               
Federal   123    94    712 
State   55    97    376 
Total   178    191    1,088 
Total tax provision  $3,291   $4,516   $8,742 

 

The differences between the statutory federal income tax at a rate of 21% and the effective tax are summarized below:

 

                       
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
             
Statutory federal income tax  $3,141   $4,113   $7,272 
Increase (decrease) resulting from:               
State taxes, net of federal tax benefit   853    1,244    2,195 
Tax-exempt income   (340)   (340)   (360)
Bank-owned life insurance (BOLI)   (401)   (382)   (362)
BOLI death benefit   —    (163)   — 
Option exercise tax (benefit) shortfall   —    —    (28)
Other, net   38    44    25 
Effective tax  $3,291   $4,516   $8,742 

 

Cash paid for income taxes for the years ended December 31, 2024, 2023 and 2022 was $2.9 million, $4.6 million and $7.4 million, respectively.

 

The tax effects of each item that gives rise to deferred taxes are as follows:

 

               
   December 31, 
   2024   2023 
   (Dollars in thousands) 
         
Deferred tax assets:          
Net unrealized loss on available-for-sale securities  $7,962   $7,422 
Allowance for credit losses   5,702    5,865 
Lease liability   2,157    2,381 
Employee benefit and share-based compensation plans   1,154    1,272 
Accrued expenses   599    450 
Nonperforming interest   292    264 
FDIC assessment   103    95 
Interest payable   90    73 
Purchased mortgage servicing rights   66    38 
Other   203    277 
Gross deferred tax assets   18,328    18,137 
           
Deferred tax liabilities:          
Lease right-of-use asset   (2,075)   (2,305)
Purchase accounting adjustments, net   (774)   (867)
Deferred loan fees   (914)   (804)
Fixed asset depreciation   (533)   (494)
Other   (35)   (31)
Gross deferred tax liabilities   (4,331)   (4,501)
           
Net deferred tax asset  $13,997   $13,636 
           

 

The federal income tax reserve for loan losses at the Bank’s base year is $9.4 million. If any portion of the reserve is used for purposes other than to absorb loan losses, approximately 150% of the amount actually used, limited to the amount of the reserve, would be subject to taxation in the fiscal year in which used. As the Bank intends to use the reserve solely to absorb loan losses, a deferred tax liability of $2.6 million has not been provided.

 

We did not have any uncertain tax positions at December 31, 2024 or 2023 which required accrual or disclosure. We record interest and penalties as part of income tax expense. There were no interest or penalties recorded for the years ended December 31, 2024, 2023 and 2022.

 

Our income tax returns are subject to review and examination by federal and state tax authorities. We are currently open to audit under the applicable statutes of limitations by the Internal Revenue Service for the years ended December 31, 2021 through 2024. The years open to examination by state taxing authorities vary by jurisdiction; however, no years prior to 2021 are open.
XML 45 R29.htm IDEA: XBRL DOCUMENT v3.25.0.1
TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS
 12 Months Ended
Dec. 31, 2024
Related Party Transactions [Abstract]  
TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS

 

15.TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS

 

We have had, and expect to have in the future, loans with our directors and executive officers including their affiliates. Such loans, in our opinion, do not include more than the normal risk of collectability or other unfavorable features. Following is a summary of activity for such loans:

 

               
   Years Ended December 31, 
   2024   2023 
   (Dollars in thousands) 
         
Balance at beginning of year  $561   $545 
Principal distributions   50    1 
Repayments of principal   (246)   (42)
Change in related party status   —    57 
           
Balance at end of year   $365   $561 
XML 46 R30.htm IDEA: XBRL DOCUMENT v3.25.0.1
COMMITMENTS AND CONTINGENCIES
 12 Months Ended
Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]  
COMMITMENTS AND CONTINGENCIES

 

16.COMMITMENTS AND CONTINGENCIES

 

Loan Commitments.

 

In the normal course of business, various commitments and contingent liabilities are outstanding, such as standby letters of credit and commitments to extend credit with off-balance-sheet risk that are not reflected in the consolidated financial statements. Financial instruments with off-balance-sheet risk involve elements of credit, interest rate, liquidity and market risk.

 

We do not anticipate any significant losses as a result of these transactions. The following summarizes these financial instruments and other commitments and contingent liabilities at their contract amounts:

 

   December 31, 
   2024   2023 
   (Dollars in thousands) 
Commitments to extend credit:          
Unused lines of credit  $343,078   $352,462 
Loan commitments   56,183    37,814 
Existing construction loan agreements   47,398    31,829 
Standby letters of credit   18,773    22,393 

 

We use the same credit policies in making commitments and conditional obligations as for on balance sheet instruments.

 

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some commitments expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. We evaluate each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by us upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment, and income-producing commercial properties.

 

Standby letters of credit are written conditional commitments that guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. At December 31, 2024 and 2023, outstanding standby letter of credit commitments totaled $18.8 million and $22.4 million, respectively, with standby letters of credit issued by the FHLB on our behalf totaling $11.8 million and $15.3 million, respectively.

 

At December 31, 2024, outstanding commitments to extend credit totaled $465.4 million, with $33.9 million in fixed rate commitments with interest rates ranging from 3.25% to 18.00% and $431.5 million in variable rate commitments. At December 31, 2023, outstanding commitments to extend credit totaled $444.5 million, with $52.8 million in fixed rate commitments with interest rates ranging from 1.99% to 18.00% and $391.7 million in variable rate commitments.

 

We also have risk participation agreements (“RPAs”) with another financial institution. The RPAs are a guarantee to share credit risk associated with an interest rate swap on participation loans in the event of counterparty default. As such, we accept a portion of the credit risk in order to participate in the loans and we receive a one-time fee. The interest rate swap is collateralized (generally by real estate or business assets) by us and the third party, which limits the credit risk associated with the RPAs. Per the terms of the RPAs, we must pledge collateral equal to our exposure for the interest rate swap. We monitor overall collateral as part of our off-balance sheet liability analysis, and at December 31, 2024, believe sufficient collateral is available to cover potential swap losses.

 

In the ordinary course of business, we are party to various legal proceedings, none of which, in our opinion, will have a material effect on our consolidated financial position or results of operations.

 

Vendor Contract.

 

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 December 31, 2024 were estimated to be $7.1 million, with $6.1 million expected to be paid within one year and the remaining $1.0 million to be paid within the next three years.

 

Investment Commitments.

 

The Bank is a limited partner in a Small Business Investment Company (“SBIC”) and committed to contribute capital of $7.5 million to the partnership. At December 31, 2024, the SBIC currently has a book value of $3.7 million and is included in other assets. The unfunded commitment to the partnership was $3.8 million at December 31, 2024.

 

Employment and change of control agreements.

 

We have entered into employment and change of control agreements with certain senior officers. The initial term of the employment agreements is for three years subject to separate one-year extensions as approved by the Board of Directors at the end of each applicable fiscal year. Each employment agreement provides for minimum annual salaries, discretionary cash bonuses and other fringe benefits as well as severance benefits upon certain terminations of employment that are not for cause. The change of control agreements expire one year following a notice of non-extension and only provide for severance benefits upon certain terminations of employment that are not for cause and that are related to a change of control of the Company or the Bank.
XML 47 R31.htm IDEA: XBRL DOCUMENT v3.25.0.1
FAIR VALUE OF ASSETS AND LIABLITIES
 12 Months Ended
Dec. 31, 2024
Fair Value Disclosures [Abstract]  
FAIR VALUE OF ASSETS AND LIABLITIES

 

17.FAIR VALUE OF ASSETS AND LIABLITIES

 

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:

 

                               
   December 31, 2024 
   Level 1   Level 2   Level 3   Total 
   (Dollars in thousands) 
Assets:    
Securities available-for-sale  $—   $160,704   $—   $160,704 
Marketable equity securities   397    —    —    397 
Interest rate swaps   —    5,883    —    5,883 
Total assets  $397   $166,587   $—   $166,984 
                     
Liabilities:                    
Interest rate swaps  $—   $5,883   $—   $5,883 

 

                               
   December 31, 2023 
   Level 1   Level 2   Level 3   Total 
   (Dollars in thousands) 
Assets:    
Securities available-for-sale  $—   $137,115   $—   $137,115 
Marketable equity securities   196    —    —    196 
Interest rate swaps   —    5,890    —    5,890 
Total assets  $196   $143,005   $—   $143,201 
                     
Liabilities:                    
Interest rate swaps  $—   $5,239   $—   $5,239 
                     

 

There were no transfers to or from Level 1 and 2 for assets measured at fair value on a recurring basis during the years ended December 31, 2024 and 2023.

 

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 December 31, 2024 and 2023.

 

       Year Ended 
   At December 31, 2024   December 31, 2024 
               Total 
   Level 1   Level 2   Level 3   Losses 
   (Dollars in thousands)   (Dollars in thousands) 
         
Collateral dependent loans  $—   $—   $325   $182 

 

       Year Ended 
   At December 31, 2023   December 31, 2023 
               Total 
   Level 1   Level 2   Level 3   Losses 
   (Dollars in thousands)   (Dollars in thousands) 
         
Collateral dependent loans  $—   $—   $1,100   $2,178 

 

The amount of impaired loans represents the carrying value, net of the related write-down or valuation allowance of collateral dependent loans for which adjustments are based on the estimated fair value of the underlying collateral. The fair value of collateral dependent loans with specific allocations of the allowance for loan 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:

 

                                       
  

December 31, 2024 

 
   Carrying
Value		   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (Dollars in thousands) 
Assets:                    
Cash and cash equivalents  $66,450   $66,450   $—   $—   $66,450 
Securities held-to-maturity   205,036    4,727    160,879    —    165,606 
Securities available-for-sale   160,704    —    160,704    —    160,704 
Marketable equity securities   397    397    —    —    397 
FHLB and other restricted stock   5,818    —    —    5,818    5,818 
Loans - net   2,050,660    —    —    1,894,621    1,894,621 
Accrued interest receivable   8,468    —    —    8,468    8,468 
Mortgage servicing rights   436    —    826    —    826 
 Derivative asset   5,883    —    5,883    —    5,883 
                          
Liabilities:                         
Deposits   2,262,647    —    —    2,261,666    2,261,666 
Short-term borrowings   5,390    —    5,390    —    5,390 
Long-term debt   98,000    —    98,835    —    98,835 
Subordinated debt   19,751    —    15,876    —    15,876 
Accrued interest payable   903    —    —    903    903 
Derivative liabilities   5,883    —    5,883    —    5,883 

 

                                       
   December 31, 2023 
   Carrying
Value		   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (Dollars in thousands) 
Assets:                    
Cash and cash equivalents  $28,840   $28,840   $—   $—   $28,840 
Securities held-to-maturity   223,370    9,450    178,242    —    187,692 
Securities available-for-sale   137,115    —    137,115    —    137,115 
Marketable equity securities   196    196    —    —    196 
FHLB and other restricted stock   3,707    —    —    3,707    3,707 
Loans - net   2,007,050    —    —    1,841,913    1,841,913 
Accrued interest receivable   8,528    —    —    8,528    8,528 
Mortgage servicing rights   422    —    724    —    724 
 Derivative asset   5,890    —    5,890    —    5,890 
                          
Liabilities:                         
Deposits   2,143,744    —    —    2,140,930    2,140,930 
Short-term borrowings   16,100    —    16,100    —    16,100 
Long-term debt   120,646    —    120,460    —    120,460 
Subordinated debt   19,712    —    17,938    —    17,938 
Accrued interest payable   3,310    —    —    3,310    3,310 
Derivative liabilities   5,239    —    5,239    —    5,239 
                          

Limitations. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time our entire holdings of a particular financial instrument. Where quoted market prices are not available, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment. Changes in assumptions could significantly affect the estimates.
XML 48 R32.htm IDEA: XBRL DOCUMENT v3.25.0.1
SEGMENT
 12 Months Ended
Dec. 31, 2024
Segment Reporting [Abstract]  
SEGMENT

 

18.SEGMENT

 

The Company operates as a single reportable segment under ASC 280, as the Chief Operating Decision Maker (“CODM”) reviews financial performance and allocates resources based on the consolidated results of the Company as a whole. The Company, through its bank subsidiary, provides banking services to individuals and companies primarily in Hampden County and Hampshire County in western Massachusetts and Hartford County and Tolland County in northern Connecticut. These services include commercial lending, residential lending and consumer lending, checking, savings, time deposits, cash management, and wealth management. The CODM primarily evaluates performance using net interest income and net income as reported in the consolidated statement of income. The Company’s primary measure of profitability is net interest and dividend income. Net interest and dividend income is the difference between the interest income earned on interest-earning assets and the interest paid on interest-bearing liabilities. Interest-earning assets consist primarily of commercial real estate loans, commercial and industrial loans, residential real estate loans and securities. Interest-bearing liabilities consist primarily of time deposits and money market accounts, demand deposits, savings accounts and borrowings from the FHLB. The consolidated results of operations also depend on the provision for credit losses, non-interest income, and non-interest expense. In addition, the CODM considers net income as a key measure of overall financial performance. The Company’s CODM consists of members of the Senior Management team, including the Chief Executive Officer, the Chief Financial Officer, the Chief Banking Officer and the Chief Lending Officer.
XML 49 R33.htm IDEA: XBRL DOCUMENT v3.25.0.1
CONDENSED PARENT COMPANY FINANCIAL STATEMENTS
 12 Months Ended
Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]  
CONDENSED PARENT COMPANY FINANCIAL STATEMENTS

 

19.CONDENSED PARENT COMPANY FINANCIAL STATEMENTS

 

The condensed balance sheets of the parent company are as follows:

 

           
   December 31, 
   2024   2023 
   (Dollars in thousands) 
ASSETS:        
Cash equivalents  $422   $940 
Investment in subsidiaries   240,994    242,780 
ESOP loan receivable   2,417    3,050 
Other assets   14,575    13,780 
TOTAL ASSETS  $258,408   $260,550 
           
LIABILITIES:          
ESOP loan payable  $2,417   $3,050 
Other liabilities   20,081    20,091 
EQUITY   235,910    237,409 
TOTAL LIABILITIES AND EQUITY  $258,408   $260,550 

 

The condensed statements of net income for the parent company are as follows:

 

                     
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
INCOME:            
Dividends from subsidiaries  $14,209   $12,119   $8,152 
ESOP loan interest income   244    296    349 
Other income   11    36    2 
Total income   14,464    12,451    8,503 
                
OPERATING EXPENSE:               
Salaries and employee benefits   1,408    1,761    2,011 
ESOP loan interest expense   244    296    349 
Other expenses   1,285    1,310    1,283 
Total operating expense   2,937    3,367    3,643 
                
Income before equity in undistributed income of subsidiaries and income taxes   11,527    9,084    4,860 
Equity in undistributed income of subsidiaries   (255)   5,591    20,595 
Net income before taxes   11,272    14,675    25,455 
Income tax benefit   (394)   (393)   (432)
Net income  $11,666   $15,068   $25,887 

 

The condensed statements of cash flows of the parent company are as follows:

 

                       
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
OPERATING ACTIVITIES:               
Net income  $11,666   $15,068   $25,887 
Equity in undistributed income of subsidiaries   255    (5,591)   (20,595)
Net amortization of premiums on subordinated debt   39    39    40 
Change in other liabilities   (844)   (881)   (642)
Change in other assets   (162)   651    694 
Other, net   2,041    1,979    1,757 
 Net cash provided by operating activities   12,995    11,265    7,141 
                

INVESTING ACTIVITIES: 

               
Purchase of securities   (82)   (103)   (107)
Sales of securities   82    103    107 
Net cash provided by investing activities   —    —    — 
                

FINANCING ACTIVITIES: 

               
Cash dividends paid   (5,914)   (6,066)   (5,281)
Common stock repurchased   (7,599)   (5,022)   (6,351)
Issuance of common stock in connection with stock option exercises   —    —    1,171 
Net cash used in financing activities   (13,513)   (11,088)   (10,461)
                
NET CHANGE IN CASH AND CASH EQUIVALENTS   (518)   177    (3,320)
                
CASH AND CASH EQUIVALENTS               
Beginning of year   940    763    4,083 
End of year  $422   $940   $763 
Supplemental cash flow information:               
Net change in due to broker for common stock repurchased  $163   $—   $— 
XML 50 R34.htm IDEA: XBRL DOCUMENT v3.25.0.1
SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED)
 12 Months Ended
Dec. 31, 2024
Quarterly Financial Information Disclosure [Abstract]  
SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED)

 

20.SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED)

 

The following tables present a summary of our quarterly financial information for the periods indicated. The year-to-date totals may differ slightly due to rounding. All unaudited interim financial statements furnished shall reflect all adjustments which are, in the opinion of management, necessary to a fair statement of the results for interim periods presented and are of a normal and recurring nature, unless otherwise noted.

 

                             
   2024 
   First Quarter   Second Quarter   Third Quarter   Fourth Quarter 
   (Dollars in thousands, except per share amounts) 
     
Interest and dividend income  $26,604   $26,802   $27,840   $28,586 
Interest expense   11,258    12,332    13,112    13,313 
                     
Net interest and dividend income   15,346    14,470    14,728    15,273 
                     
(Reversal of) provision for credit losses   (550)   (294)   941    (762)
                     
Loss on disposal of premises and equipment   (6)   —    —    — 
Unrealized gain (loss) on marketable equity securities, net   8    4    10    (9)
Gain on non-marketable equity investments   —    987    —    300 
Gain (loss) on sale of mortgages   —    —    246    (11)
Other non-interest income   2,672    2,843    2,885    2,974 
Non-interest income   2,674    3,834    3,141    3,254 
                     
Non-interest expense   14,782    14,314    14,406    14,926 
                     
Income before income taxes   3,788    4,284    2,522    4,363 
Income tax provision   827    771    618    1,075 
Net income  $2,961   $3,513   $1,904   $3,288 
                     
Basic earnings per share  $0.14   $0.17   $0.09   $0.16 
Diluted earnings per share  $0.14   $0.17   $0.09   $0.16 

 

 

                               
   2023 
   First Quarter   Second Quarter   Third Quarter   Fourth Quarter 
   (Dollars in thousands, except per share amounts) 
     
Interest and dividend income  $23,638   $24,809   $25,901   $26,770 
Interest expense   5,134    7,963    9,518    10,594 
                     
Net interest and dividend income   18,504    16,846    16,383    16,176 
                     
(Reversal of) provision for credit losses   (388)   420    354    486 
                     
Loss on disposal of premises and equipment   —    —    (3)   — 
Unrealized loss on marketable equity securities, net   —    —    —    (1)
Gain on non-marketable equity investments   352    —    238    — 
Loss on defined benefit plan termination(1)   —    (1,143)   —    — 
Gain on bank-owned life insurance death benefit(2)   —    —    778    — 
Other non-interest income   2,627    2,735    2,599    2,715 
Non-interest income   2,979    1,592    3,612    2,714 
                     
Non-interest expense   14,896    14,551    14,118    14,785 
                     
Income before income taxes   6,975    3,467    5,523    3,619 
Income tax provision   1,671    704    1,033    1,108 
Net income  $5,304   $2,763   $4,490   $2,511 
                     
Basic earnings per share  $0.24   $0.13   $0.21   $0.12 
Diluted earnings per share  $0.24   $0.13   $0.21   $0.12 

 

 

(1)The decrease in non-interest income for the three months ended June 30, 2023 was due to a one-time, non-recurring final termination expense of $1.1 million resulting from the termination of the Company’s defined benefit pension plan.

(2)The increase in non-interest income for the three months ended September 30, 2023 was due to a non-taxable gain on bank-owned life insurance.

XML 51 R35.htm IDEA: XBRL DOCUMENT v3.25.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)
 12 Months Ended
Dec. 31, 2024
Accounting Policies [Abstract]  
Nature of Operations and Basis of Presentation

Nature of Operations and Basis of Presentation. Western New England Bancorp, Inc. (“Western New England Bancorp,” “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, 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 (“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.
Reclassifications

Reclassifications. Amounts in the prior year financial statements are reclassified when necessary to conform to the current year presentation.
Significant Group Concentrations of Credit Risk

Significant Group Concentrations of Credit Risk. Most of the Company’s lending activities are with customers located within the New England region of the country. The Company does not have any significant concentrations to any one industry or customer.
Cash and Cash Equivalents

Cash and Cash Equivalents. We define cash on hand, cash due from banks, federal funds sold and interest-bearing deposits having an original maturity of 90 days or less as cash and cash equivalents.
Securities and Mortgage-Backed Securities

Securities and Mortgage-Backed Securities. Investment debt securities, including mortgage-backed securities, which management has the positive intent and ability to hold until maturity are classified as held to maturity and are carried at amortized cost. Investment debt securities, including mortgage-backed securities, which have been identified as assets for which there is not a positive intent to hold to maturity are classified as available-for-sale and are carried at fair value with unrealized gains and losses, net of income taxes, reported as a separate component of comprehensive income (loss). Marketable equity securities are measured at fair value with changes in fair value reported on the Company’s consolidated statements of net income as a component of non-interest income, regardless of whether such gains and losses are realized. We do not acquire investment securities and mortgage-backed securities for purposes of engaging in trading activities.

 

Realized gains and losses on sales of investment securities and mortgage-backed securities are computed using the specific identification method and are included in non-interest income on the trade date. The amortization of premiums and accretion of discounts are determined by using the level yield method to the maturity date, except that premiums are amortized to the earliest call date or maturity.

 

Allowance for Credit Losses – Securities Available-for-Sale

 

The Company measures expected credit losses on debt securities available-for-sale based upon the gain or loss position of the security. For debt securities available-for-sale 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. Securities available-for-sale 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. 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. 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.

 

Allowance for Credit Losses – Securities Held-to-Maturity

 

The Company measures expected credit losses on debt securities held-to-maturity 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 securities held-to-maturity would be presented as an allowance for credit loss.

 
Non-marketable Equity Securities

Non-marketable Equity Securities. Investments in equity securities without readily determinable fair values are measured at cost, less any impairment, with re-measurement to fair value when there are observable price changes. Impairment is evaluated on such securities based on a qualitative assessment that considers various potential impairment indicators. Upon determining that an impairment exists, a loss is recognized for the amount by which the carrying value exceeds the fair value of the investment.
Derivatives

Derivatives. We enter into interest rate swap agreements as part of our interest-rate risk management strategy for certain assets and liabilities and not for speculative purposes. Based on our intended use for interest rate swaps, these are hedging instruments subject to hedge accounting provisions. Cash flow hedges are recorded at fair value in other assets or other liabilities within our balance sheets. Changes in the fair value of these cash flow hedges are initially recorded in accumulated other comprehensive income (loss) and subsequently reclassified into earnings when the forecasted transaction affects earnings.

 

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.
Fair Value Hierarchy

Fair Value Hierarchy. We group our assets and liabilities measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value.

 

Level 1: Valuation is based on quoted prices in active markets for identical assets. Level 1 assets generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets.

 

Level 2: Valuation is based on observable inputs other than Level 1 prices, such as quoted prices for similar assets and liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets and liabilities.

 

Level 3: Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets and liabilities. Level 3 assets include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.
Federal Home Loan Bank of Boston Stock

Federal Home Loan Bank of Boston Stock. The Bank, as a member of the FHLB system, is required to maintain an investment in capital stock of the FHLB of Boston. Based on the redemption provisions of the FHLB, the stock has no quoted market value and is carried at cost. At its discretion, the FHLB may declare dividends on the stock. Management reviews for impairment based on the ultimate recoverability of the cost basis in the FHLB stock. As of December 31, 2024, no impairment has been recognized.
Loans Held for Sale

Loans Held for Sale. Loans originated and intended for sale in the secondary market are carried at the lower of amortized cost or fair value, as determined by aggregate outstanding commitments from investors or current investor yield requirements. Net unrealized losses, if any, are recognized through a valuation allowance by charges to non-interest income. Gains or losses on sales of mortgage loans are recognized based on the difference between the selling price and the carrying value of the related mortgage loans sold on the trade date and reported within non-interest income on the accompanying consolidated statements of net income.
Loans Receivable

Loans Receivable. Loans are recorded at the principal amount outstanding, adjusted for charge-offs, the allowance for credit losses, unearned premiums, discounts 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 collectible. 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 the loan is considered impaired. Any unpaid amounts previously accrued on these loans are reversed from current period interest 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 when subsequent performance reduces the concern as to the collectability of principal and interest. Loan fees, discounts and premiums on purchased loans, 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.
Allowance for Credit Losses

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.

 

The loan 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. For commercial real estate loans, residential real estate loans, and commercial and industrial loans, 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. The expected loss estimates for the consumer loan segment are based on historical loss rates using the weighted average remaining maturity (“WARM”) method.

 

Commercial real estate loans. Loans in this segment include owner occupied and non-owner occupied commercial real estate, multi-family dwellings, and income producing investment properties, as well as commercial construction loans for commercial development projects throughout New England. Typically, commercial real estate loans are secured by office buildings, apartment buildings, industrial properties, warehouses, retail facilities, hotels, assisted living facilities, and educational facilities. Collateral values are established by independent third-party appraisals and evaluations. Primary repayment sources for commercial real estate loans include operating income and cash flow generated by the real estate, sale of the real estate and, funds from any liquidation of the collateral. Under its lending guidelines, the Company generally requires a corporate or personal guarantee from individuals that hold material ownership in the borrowing entity. 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 secured by one-to-four family residential properties and home equity loans and home equity lines secured by first or second mortgage on one-to-four family owner occupied 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 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 principal and interest on a monthly basis, credit history, financial resources and the value of the collateral. Residential real estate loans are originated either for sale to investors or retained in the Company’s loan portfolio. Decisions about whether to sell or retain residential real estate loans are made based on the interest rate, pricing for loans in the secondary market, and the Company’s liquidity and capital needs. 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. The primary risk associated with commercial and industrial loans is the ability of borrowers to achieve business results and cash flows consistent with those projected at loan origination. Collateral frequently consists of a first lien position on business assets including, but not limited to, accounts receivable, inventory, and equipment. The primary repayment source is operating cash flow, followed by liquidation of assets. Under its lending guidelines, the Company generally requires a corporate or personal guarantee from individuals that hold material ownership in the borrowing entity. 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.

 

Allowance for Credit Losses Methodology

 

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.

 

The discounted cash flow (“DCF”) model calculates an expected loss percentage for each loan class by considering the probability of default, using life-of-loan analysis periods for the commercial and industrial, commercial real estate, residential real estate loan segments, and the historical severity of loss, based on the aggregate net lifetime losses incurred per loan class. The expected loss estimates for the consumer loan segment are based on historical loss rates using the remaining life method. 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 nonperforming 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.

 

The company uses a WARM method to estimate the ACL for the consumer loan segment. Under this method, the historical average annual charge-off rate is applied to the weighted average remaining maturity of the loan portfolio, currently calculated at 2.5 years. This calculation is adjusted based on additional factors that include (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 nonperforming loans; (6) the quality of our loan review system and (7) the value of underlying collateral for collateralized loans.

 

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.

 

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 outstanding off-balance-sheet credit exposures that are unconditionally cancellable by the Company. 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.
Bank-owned Life Insurance

Bank-owned Life Insurance. Bank-owned life insurance policies are reflected on the consolidated balance sheets at cash surrender value. Changes in the net cash surrender value of the policies, as well as insurance proceeds received in excess of carrying value, are reflected in non-interest income on the consolidated statements of net income and are not subject to income taxes.
Transfers and Servicing of Financial Assets

Transfers and Servicing of Financial Assets. Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from us, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) we do not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Premises and Equipment

Premises and Equipment. Land is carried at cost. Buildings, furniture and equipment are stated at cost, less accumulated depreciation and amortization, computed on the straight-line method over the estimated useful lives of the assets, or the expected lease term, if shorter. Expected terms include lease option periods to the extent that the exercise of such options is reasonably assured. The estimated useful lives of the assets are as follows:

The estimated useful lives of the assets are as follows:

 

  Years
   
Buildings 39
Leasehold Improvements 5-20
Furniture and Equipment 3-7

 

 

The cost of maintenance and repairs is charged to expense when incurred. Major expenditures for betterments are capitalized and depreciated.
Other Real Estate Owned

Other Real Estate Owned. Other real estate owned (“OREO”) represents property acquired through foreclosure or deeded to us in lieu of foreclosure. OREO is initially recorded at the estimated fair value of the real estate acquired, net of estimated selling costs, establishing a new cost basis. Initial write-downs are charged to the allowance for credit losses at the time the loan is transferred to OREO. Subsequent valuations are periodically performed by management and the carrying value is adjusted by a charge to expense to reflect any subsequent declines in the estimated fair value. Operating costs associated with OREO are expensed as incurred.
Servicing

Servicing. The Company services mortgage loans for others. Mortgage servicing assets are recognized as separate assets at fair value when rights are acquired through purchase or retained through the sale of financial assets. Fair value is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. Capitalized servicing rights are reported in other assets and are amortized into service charges and fee income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to the amortized cost. Impairment is determined by stratifying rights by predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual stratum, to the extent that the fair value is less than the capitalized amount for the stratum. Changes in the valuation allowance are reported in service charges and fee income.

 

Servicing fee income is recorded for fees earned for servicing loans, which is included in service charges and fee income. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned.
Impairment of Long-lived Assets

Impairment of Long-lived Assets. Long-lived assets, including premises and equipment and certain identifiable intangible assets that are held and used by the Company, are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. If the asset is determined to be impaired, it is written down to its estimated fair value through a charge to earnings.

 

Goodwill is measured as the excess of the cost of a business combination over the sum of the amounts assigned to identifiable intangible assets acquired less liabilities assumed. Goodwill is not amortized but rather assessed for impairment annually or more frequently if circumstances warrant.

 

Management has the option of first assessing qualitative factors, such as events and circumstances, to determine whether it is more likely than not, meaning a likelihood of more than 50%, the value of a reporting unit is less than its carrying amount. If, after considering all relevant events and circumstances, management determines it is not more likely than not the fair value of a reporting unit is less than its carrying amount, then performing an impairment test is unnecessary.
Retirement Plans and Employee Benefits

Retirement Plans and Employee Benefits. The Company maintains a tax-qualified defined contribution plan through a third party provider (the “401(k) Plan”) that provides for deferral of federal and state income taxes on employee contributions allowed under Section 401(k) of the Internal Revenue Code of 1986, as amended (the “Internal Revenue Code”). Participants may make pre-tax salary deferrals to the plan not to exceed the annual IRS limits. Effective January 1, 2023, the Company converted to a Safe Harbor 401(k) Plan. In addition to salary deferrals, the Company will match up to 100% of the first 4% of the participant’s eligible compensation (for a total maximum employer matching contribution of 4% of a participant’s eligible compensation). In addition, on an annual basis, the Company may make a discretionary profit share contribution to each participant.

 
Share-based Compensation Plans

Share-based Compensation Plans. We measure and recognize compensation cost relating to share-based payment transactions based on the grant-date fair value of the equity instruments issued. Share-based compensation is recognized over the period the employee is required to provide services for the award. Reductions in compensation expense associated with forfeited options are estimated at the date of grant, and this estimated forfeiture rate is adjusted based on actual forfeiture experience. We use a binomial option-pricing model to determine the fair value of the stock options granted.

 
Employee Stock Ownership Plan

Employee Stock Ownership Plan. Compensation expense for the Employee Stock Ownership Plan (“ESOP”) is recorded at an amount equal to the shares allocated by the ESOP multiplied by the average fair market value of the shares during the period. We recognize compensation expense ratably over the year based upon our estimate of the number of shares expected to be allocated by the ESOP. Unearned compensation applicable to the ESOP is reflected as a reduction of shareholders’ equity in the consolidated balance sheets. The difference between the average fair market value and the cost of the shares allocated by the ESOP is recorded as an adjustment to additional paid-in capital.

 
Leases

Leases. The Company determines if an arrangement is a lease at inception. Operating leases are included within other assets and other liabilities in our consolidated balance sheets. Right-of-use (“ROU”) assets represent our right to use an underlying asset for the lease term and lease liabilities represent our obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As our leases do not provide an implicit rate, we use our incremental borrowing rate based on the information available at commencement date in determining the present value of lease payments. Our lease terms may include options to extend or terminate the lease when it is reasonably certain that we will exercise that option. Lease expense for lease payments is recognized on a straight-line basis over the lease term.

 
Advertising Costs

Advertising Costs. Advertising costs are accounted for using the accrual basis of accounting.
Income Taxes

Income Taxes. We use the asset and liability method for income tax accounting, whereby, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates applied to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. A valuation allowance related to deferred tax assets is established when, in the judgment of management, it is more likely than not that all or a portion of such deferred tax assets will not be realized based on the available evidence including historical and projected taxable income. We do not have any uncertain tax positions at December 31, 2024 that require accrual or disclosure. We record interest and penalties as part of income tax expense.
Earnings per Share

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 ESOP shares are not deemed outstanding for earnings per share calculations. There were no anti-dilutive shares outstanding during the years ended December 31, 2024, 2023 and 2022.

 

Earnings per common share for the years ended December 31, 2024, 2023 and 2022 have been computed based on the following:

 

                       
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars and shares in thousands) 
     
Net income applicable to common stock  $11,666   $15,068   $25,887 
                
Average number of common shares issued   21,345    22,037    22,451 
Less: Average unallocated ESOP Shares   (264)   (338)   (415)
Less: Average unvested performance-based equity incentive plan shares   (181)   (163)   (156)
                
Average number of common shares outstanding used to calculate basic earnings per common share   20,900    21,536    21,880 
Effect of dilutive performance-based equity incentive plan shares   116    74    41 
Effect of dilutive stock options   —    —    17 
Average number of common shares outstanding used to calculate diluted earnings per common share   21,016    21,610    21,938 
                
Net income per common share:               
Basic earnings per share  $0.56   $0.70   $1.18 
Diluted earnings per share  $0.56   $0.70   $1.18 
Comprehensive Income (Loss)

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:

 

   December 31, 2024   December 31, 2023 
   (Dollars in thousands) 
     
Net unrealized losses on securities available-for-sale  $(31,236)  $(29,166)
Tax effect   7,962    7,422 
Net-of-tax amount   (23,274)   (21,744)
           
Accumulated other comprehensive loss  $(23,274)  $(21,744)
Recent Accounting Pronouncements

Recent Accounting Pronouncements.

 

In November 2023, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2023-07, Segment Reporting – Improvements to Reportable Segment Disclosures (Topic 280), which expands segment disclosure requirements for public entities to require disclosure of significant segment expenses and other segment items on an annual and interim basis. It also requires companies to provide in interim periods all disclosures about a reportable segment’s profit or loss and assets that are currently required annually. This ASU, as amended, became effective for the Company in the consolidated financial statements for the year ended December 31, 2024 (see Note 18 – Segment) and did not have a material impact on the Company’s consolidated financial statements. In addition, this ASU, as amended, will be effective for interim periods beginning in 2025 and is not expected to have a material impact on the Company’s consolidated financial statements.

 

In December 2023, the FASB issued ASU 2023-09, Income Taxes—Improvements to Income Tax Disclosures (Topic 740), which requires entities to disclose specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold. On an annual basis, entities must disclose: (1) the amount of income taxes paid, net of refunds, disaggregated by federal, state, and foreign; and (2) the amount of income taxes paid, net of refunds, disaggregated by individual jurisdictions in which income taxes paid, net of refunds received, for amounts equal to or greater than 5% of total income taxes paid. Further, the amendments also require entities to disclose: (1) income or loss from continued operations before income tax expense (or benefit) disaggregated between domestic and foreign sources; and (2) income or loss from continued operations disaggregated by federal, state, and foreign sources. This ASU, as amended, is effective for the Company in fiscal years beginning after December 15, 2024 and is not expected to have a material impact on the Company’s consolidated financial statements.

 

In November 2024, the FASB issued ASU 2024-03, Income Statement – Reporting Comprehensive Income – Expense Disaggregation Disclosures – Disaggregation of Income Statement Expenses (Subtopic 220-40). ASU 2024-03 requires disaggregated disclosure of income statement expenses for public business entities. ASU 2024-03 requires new financial statement disclosures in tabular form, disaggregating information about prescribed categories underlying any relevant income statement expense caption. The prescribed categories include, among other things, employee compensation, depreciation, and intangible asset amortization. Additionally, entities must disclose the total amount of selling expenses and, in annual reporting periods, an entity’s definition of selling expenses. This ASU is effective for the Company, on a prospective basis, for annual reporting periods beginning after December 15, 2026 and interim reporting periods within annual reporting periods beginning after December 15, 2027 and is not expected to have a material impact on the Company’s consolidated financial statements.
XML 52 R36.htm IDEA: XBRL DOCUMENT v3.25.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)
 12 Months Ended
Dec. 31, 2024
Accounting Policies [Abstract]  
The estimated useful lives of the assets are as follows:

The estimated useful lives of the assets are as follows:

 

  Years
   
Buildings 39
Leasehold Improvements 5-20
Furniture and Equipment 3-7

 
Earnings per common share for the years ended December 31, 2024, 2023 and 2022 have been computed based on the following:

Earnings per common share for the years ended December 31, 2024, 2023 and 2022 have been computed based on the following:

 

                       
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars and shares in thousands) 
     
Net income applicable to common stock  $11,666   $15,068   $25,887 
                
Average number of common shares issued   21,345    22,037    22,451 
Less: Average unallocated ESOP Shares   (264)   (338)   (415)
Less: Average unvested performance-based equity incentive plan shares   (181)   (163)   (156)
                
Average number of common shares outstanding used to calculate basic earnings per common share   20,900    21,536    21,880 
Effect of dilutive performance-based equity incentive plan shares   116    74    41 
Effect of dilutive stock options   —    —    17 
Average number of common shares outstanding used to calculate diluted earnings per common share   21,016    21,610    21,938 
                
Net income per common share:               
Basic earnings per share  $0.56   $0.70   $1.18 
Diluted earnings per share  $0.56   $0.70   $1.18 
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:

 

   December 31, 2024   December 31, 2023 
   (Dollars in thousands) 
     
Net unrealized losses on securities available-for-sale  $(31,236)  $(29,166)
Tax effect   7,962    7,422 
Net-of-tax amount   (23,274)   (21,744)
           
Accumulated other comprehensive loss  $(23,274)  $(21,744)
XML 53 R37.htm IDEA: XBRL DOCUMENT v3.25.0.1
INVESTMENT SECURITIES (Tables)
 12 Months Ended
Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]  
The following tables summarize the amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024 and December 31, 2023

The following tables summarize the amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024 and December 31, 2023, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive loss on securities available-for-sale. The Company did not record an allowance for credit losses on its securities held-to-maturity portfolio as of December 31, 2024 and December 31, 2023.

 

   December 31, 2024 
   Amortized Cost   Gross Unrealized Gains   Gross Unrealized Losses   Fair Value 
   (Dollars in thousands) 
Securities available-for-sale:                    
Debt securities:                    
Government-sponsored enterprise obligations  $19,424   $—   $(2,966)  $16,458 
Corporate bonds   5,000    —    (390)   4,610 
Total debt securities   24,424    —    (3,356)   21,068 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   161,313    —    (26,535)   134,778 
U.S. government guaranteed mortgage-backed securities   6,203    —    (1,345)   4,858 
Total mortgage-backed securities   167,516    —    (27,880)   139,636 
                     
Total securities available-for-sale   191,940    —    (31,236)   160,704 
                     
Securities held-to-maturity:                    
Debt securities:                    
U.S. Treasury securities   5,002    —    (275)   4,727 
U.S. government guaranteed obligations   1,064    —    (3)   1,061 
Total debt securities   6,066    —    (278)   5,788 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   198,970    13    (39,165)   159,818 
Total mortgage-backed securities   198,970    13    (39,165)   159,818 
                     
Total securities held-to-maturity   205,036    13    (39,443)   165,606 

Total 

  $396,976   $13   $(70,679)  $326,310 

 

   December 31, 2023 
   Amortized Cost   Gross Unrealized Gains   Gross Unrealized Losses   Fair Value 
   (Dollars in thousands) 
Securities available-for-sale:                    
Debt securities:                    
Government-sponsored enterprise obligations  $14,924   $—   $(2,898)  $12,026 
State and municipal bonds   135    —    —    135 
Corporate bonds   8,000    —    (1,038)   6,962 
Total debt securities   23,059    —    (3,936)   19,123 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   136,533    —    (23,976)   112,557 
U.S. government guaranteed mortgage-backed securities   6,689    —    (1,254)   5,435 
Total mortgage-backed securities   143,222    —    (25,230)   117,992 
                     
Total securities available-for-sale   166,281    —    (29,166)   137,115 
                 
Securities held-to-maturity:                
Debt securities:                
U.S. Treasury securities   9,995    —    (545)   9,450 
Total debt securities   9,995    —    (545)   9,450 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   213,375    107    (35,240)   178,242 
Total mortgage-backed securities   213,375    107    (35,240)   178,242 
                     
 Total securities held-to-maturity   223,370    107    (35,785)   187,692 

Total 

  $389,651   $107   $(64,951)  $324,807 
The following table presents the unrealized gains (losses) recognized on marketable equity securities for the years indicated:

The following table presents the unrealized gains (losses) recognized on marketable equity securities for the years indicated:

 

             
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
Net gains (losses) recognized during the year on marketable equity securities  $13   $(1)  $(717)
Net losses recognized during the year on equity securities sold during the year   —    —    1,021 
Unrealized gain (loss) recognized during the year on marketable equity securities still held at year end  $13   $(1)  $304 
The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024, by final maturity, are shown below.

The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024, 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 
   (Dollars in thousands) 
Debt securities:                    
Due after one year through five years  $—   $—   $5,002   $4,727 
Due after five years through ten years   22,427    19,076    —    — 
Due after ten years   1,997    1,992    1,064    1,061 
Total debt securities  $24,424   $21,068   $6,066   $5,788 

 

   Available-for-Sale   Held-to-Maturity 
   Amortized Cost   Fair Value   Amortized Cost   Fair Value 
   (Dollars in thousands) 
Mortgage-backed securities:                    
Due after one year through five years  $843   $820   $—   $— 
Due after five years through ten years   2,807    2,749    2,524    2,397 
Due after ten years   163,866    136,067    196,446    157,421 
Total mortgage-backed securities   167,516    139,636    198,970    159,818 
Total securities  $191,940   $160,704   $205,036   $165,606 
The following tables summarize the gross unrealized losses and fair value of the Company’s securities available-for-sale and held-to-maturity, segregated by the duration of their continuous unrealized loss positions at December 31, 2024 and 2023:

The following tables summarize the gross unrealized losses and fair value of the Company’s securities available-for-sale and held-to-maturity, segregated by the duration of their continuous unrealized loss positions at December 31, 2024 and 2023:

 

   December 31, 2024 
   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) 
Securities available-for-sale:                                        
Government-sponsored mortgage-backed securities   9   $33,145   $584    1.7%   70   $99,529   $25,951    20.7%
U.S. government guaranteed mortgage-backed securities   —    —    —    —    9    4,858    1,345    21.7 
Government-sponsored enterprise obligations   3    4,452    19    0.4    3    11,988    2,947    19.7 
Corporate bonds   —    —    —    —    2    4,610    390    7.8 
Total securities available-for-sale   12    37,597    603         84    120,985    30,633      
                                 
Securities held-to-maturity:                                
U.S. Treasury securities   —    —    —    —%   1    4,727    275    5.5%
U.S. government guaranteed obligations   1    1,061    3    0.3    —    —    —    — 
Government-sponsored mortgage-backed securities   4    9,187    127    1.4    37    148,992    39,038    20.8 
Total securities held-to-maturity   5    10,248    130         38    153,719    39,313      
                                         
Total securities   17   $47,845   $733         122   $274,704   $69,946      

 

 

   December 31, 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) 
Securities available-for-sale:                                        
Government-sponsored mortgage-backed securities   —   $—   $—    —%   70   $112,557   $23,976    17.6%
U.S. government guaranteed mortgage-backed securities   —    —    —    —    9    5,435    1,254    18.7 
Government-sponsored enterprise obligations   —    —    —    —    3    12,026    2,898    19.4 
Corporate bonds   —    —    —    —    3    6,962    1,038    13.0 
Total securities available-for-sale   —    —    —         85    136,980    29,166      
                                         
Securities held-to-maturity:                                        
U.S. Treasury securities   —    —    —    —%   2    9,450    545    5.5%
Government-sponsored mortgage-backed securities   4    7,097    56    0.8    36    164,395    35,184    17.6 
Total securities held-to-maturity   4    7,097    56         38    173,845    35,729      
                                         
Total securities   4   $7,097   $56         123   $310,825   $64,895      
XML 54 R38.htm IDEA: XBRL DOCUMENT v3.25.0.1
LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)
 12 Months Ended
Dec. 31, 2024
Receivables [Abstract]  
The following table presents the summary of the loan portfolio by the major classification of the loan at the periods indicated:

The following table presents the summary of the loan portfolio by the major classification of the loan at the periods indicated:

 

   December 31,   December 31, 
   2024   2023 
   (Dollars in thousands) 
Commercial real estate:          
Non-owner occupied  $880,828   $881,643 
Owner occupied   194,904    198,108 
Total commercial real estate   1,075,732    1,079,751 
           
Residential real estate:
          
Residential one-to-four family   653,802    612,315 
Home equity   121,857    109,839 
 Total residential real estate   775,659    722,154 
           
Commercial and industrial   211,656    217,447 
           
Consumer   4,391    5,472 
           
Total gross loans   2,067,438    2,024,824 
Plus: Unearned premiums and deferred loan fees and costs, net   2,751    2,493 
Less: Allowance for credit losses   (19,529)   (20,267)
Net loans  $2,050,660   $2,007,050 
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:

 

               
   Years Ended December 31, 
   2024   2023 
   (Dollars in thousands) 
Balance at the beginning of year:  $422   $550 
Capitalized mortgage servicing rights   114    — 
Amortization   (100)   (128)
Balance at the end of year  $436   $422 
Fair value at the end of year  $826   $724 
An analysis of changes in the allowance for credit losses for loans and off-balance sheet commitments by segment for the years ended December 31, 2024 and 2023 is as follows:

An analysis of changes in the allowance for credit losses for loans and off-balance sheet commitments by segment for the years ended December 31, 2024 and 2023 is as follows:

 

   Commercial Real Estate   Residential Real Estate   Commercial and Industrial   Consumer   Unallocated   Total 
   (Dollars in thousands) 
Allowance for credit losses for loans                              
                               
Balance at December 31, 2023  $15,141   $2,548   $2,537   $41   $—   $20,267 
Provision for (reversal of) for credit losses   (1,670)   761    (212)   296    —    (825)
Charge-offs   (46)   (185)   (65)   (228)   —    (524)
Recoveries   252    32    217    110    —    611 
Balance at December 31, 2024  $13,677   $3,156   $2,477   $219   $—   $19,529 
                               
Balance at December 31, 2022  $12,199   $4,312   $3,160   $245   $15   $19,931 
Cumulative effect change in accounting principle   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   (292)   728    665    92    —    1,193 
Charge-offs   (764)   —    (1,561)   (185)   —    (2,510)
Recoveries   9    26    348    88         471 
Balance at December 31, 2023  $15,141   $2,548   $2,537   $41   $—   $20,267 
                               

The following table presents information pertaining to the allowance for credit losses by segment Pre-ASC 326 CECL adoption for the year ended December 31, 2022:

 

   Commercial Real Estate   Residential Real Estate   Commercial and Industrial   Consumer   Unallocated   Total 
   (Dollars in thousands) 
                         
Balance at December 31, 2021  $12,970   $3,964   $2,643   $197   $13   $19,787 
Provision for (reversal of) for credit losses   (434)   344    586    202    2    700 
Charge-offs   (337)   (28)   (92)   (216)   —    (673)
Recoveries   —    32    23    62    —    117 
Balance at December 31, 2022  $12,199   $4,312   $3,160   $245   $15   $19,931 

 

   Commercial Real Estate   Residential Real Estate   Commercial and Industrial   Consumer   Unallocated   Total 
   (Dollars in thousands) 
                         
Allowance for credit losses for off-balance sheet exposures                              
                               
Balance at December 31, 2023  $375   $163   $59   $—   $—   $597 
Provision (reversal) for credit losses   81    93    (14)   —    —    160 
Balance at December 31, 2024  $456   $256   $45   $—   $—   $757 
                               
Balance at December 31, 2022  $—   $—   $—   $—   $—   $— 
Cumulative effect of change in accounting principle   611    267    40    —    —    918 
Reversal of credit losses   (236)   (104)   19    —    —    (321)
Balance at December 31, 2023  $375   $163   $59   $—   $—   $597 
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 

  

Nonperforming 

Loans

 
   (Dollars in thousands) 
December 31, 2024                            
Commercial real estate:                                   
Non-owner occupied  $285   $—   $—   $285   $880,543   $880,828   $— 
Owner occupied   —    —    —    —    194,904    194,904    330 
Total   285    —    —    285    1,075,447    1,075,732    330 
Residential real estate:
                                   
Residential one-to-four family   1,747    569    983    3,299    650,503    653,802    3,965 
Home equity   810    213    317    1,340    120,517    121,857    408 
Total   2,557    782    1,300    4,639    771,020    775,659    4,373 
Commercial and industrial   60    —    1    61    211,595    211,656    673 
Consumer   10    —    —    10    4,381    4,391    5 
Total loans  $2,912   $782   $1,301   $4,995   $2,062,443   $2,067,438   $5,381 

 

   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

  

Nonperforming

Loans

 
   (Dollars in thousands) 
December 31, 2023                            
Commercial real estate:                                   
Non-owner occupied  $—   $647   $236   $883   $880,760   $881,643   $1,107 
Owner occupied   272    —    167    439    197,669    198,108    240 
Total   272    647    403    1,322    1,078,429    1,079,751    1,347 
Residential real estate:
                                   
Residential one-to-four family   2,354    934    881    4,169    608,146    612,315    4,739 
Home equity   263    112    102    477    109,362    109,839    109 
Total   2,617    1,046    983    4,646    717,508    722,154    4,848 
Commercial and industrial   20    —    8    28    217,419    217,447    218 
Consumer   3    —    —    3    5,469    5,472    8 
Total loans  $2,912   $1,693   $1,394   $5,999   $2,018,825   $2,024,824   $6,421 
The following table is a summary of the Company’s nonperforming loans by major categories at December 31, 2024 and December 31, 2023:

The following table is a summary of the Company’s nonperforming loans by major categories at December 31, 2024 and December 31, 2023:

 

                           
   As of December 31, 2024   For the Year Ended December 31, 2024 
   Nonperforming Loans with Allowance for Credit Loss   Nonperforming Loans Without Allowance for Credit Loss  

Total  

Nonperforming Loans 

   Accrued Interest Receivable Reversed from Income 
   (Dollars in thousands) 
Commercial real estate:                    
Non-owner occupied  $—   $—   $—   $— 
Owner occupied   —    330    330    — 
Total   —    330    330    — 
Residential real estate:                    
Residential one-to-four family   —    3,965    3,965    192 
Home equity   —    408    408    30 
Total        4,373    4,373    222 
Commercial and industrial   —    673    673    151 
Consumer   —    5    5    — 
Total loans  $—   $5,381   $5,381   $373 

 

                           
   As of December 31, 2023   For the Year Ended December 31, 2023 
   Nonperforming Loans with Allowance for Credit Loss   Nonperforming Loans Without Allowance for Credit Loss  

Total 

Nonperforming Loans 

   Accrued Interest Receivable Reversed from Income 
   (Dollars in thousands) 
Commercial real estate:                    
Non-owner occupied  $—   $1,107   $1,107   $44 
Owner occupied   —    240    240    23 
Total   —    1,347    1,347    67 
Residential real estate:                    
Residential one-to-four family   —    4,739    4,739    182 
Home equity   —    109    109    10 
Total        4,848    4,848    192 
Commercial and industrial   —    218    218    159 
Consumer   —    8    8    — 
Total loans  $—   $6,421   $6,421   $418 
The following table summarizes the Company’s individually evaluated collateral dependent loans by class as of the dates indicated:

The following table summarizes the Company’s individually evaluated collateral dependent loans by class as of the dates indicated:

 

   As of December 31, 2024 
   Recorded Investment   Related Allowance 
   (Dollars in thousands) 
With no related allowance recorded:          
Commercial real estate:          
Non-owner occupied  $6,956   $— 
Owner occupied   1,285    — 
Total   8,241    — 
Residential real estate:          
Residential one-to-four family   4,333    — 
Home equity   408    — 
Total   4,741      
Commercial and industrial   776    — 
Consumer   —    — 
Loans with no related allowance recorded  $13,758   $— 
           
With an allowance recorded:          
Commercial real estate:          
Non-owner occupied  $—   $— 
Owner occupied   —    — 
Total   —    — 
Residential real estate:          
Residential one-to-four family   —    — 
Home equity   —    — 
Total   —    — 
Commercial and industrial   494    156 
Consumer   —    — 
Loans with an allowance recorded  $494   $156 
Total individually evaluated loans  $14,252   $156 

 

   As of December 31, 2023 
   Recorded Investment   Related Allowance 
   (Dollars in thousands) 
With no related allowance recorded:          
Commercial real estate:          
Non-owner occupied  $8,879   $— 
Owner occupied   1,769    — 
Total   10,648    — 
Residential real estate:          
Residential one-to-four family   5,163    — 
Home equity   109    — 
Total   5,272    — 
Commercial and industrial   13,273    — 
Consumer   8    — 
Loans with no related allowance recorded  $29,201   $— 
           
With an allowance recorded:          
Commercial real estate:  $—   $— 
Non-owner occupied   —    — 
Owner occupied   —    — 
Total   —    — 
Residential real estate:          
Residential one-to-four family   —    — 
Home equity   —    — 
Total          
Commercial and industrial   517    179 
Consumer   —    — 
Loans with an allowance recorded  $517   $179 
Total individually evaluated loans  $29,718   $179 
The following tables summarize the amortized cost basis by aggregate Pass and criticized categories of Special Mention and Substandard within the Company’s internal risk rating system by year of origination as of December 31, 2024 and 2023.

The following tables summarize the amortized cost basis by aggregate Pass and criticized categories of Special Mention and Substandard within the Company’s internal risk rating system by year of origination as of December 31, 2024 and 2023. The tables also summarize gross charge-offs by year of origination for the years ended December 31, 2024 and 2023.

 

                                                       
   As of and Year Ended December 31, 2024 
   Term Loan Origination by Year   Revolving Loans 
   2024   2023   2022   2021   2020   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
                                     
Commercial Real Estate:                                             
Pass (Rated 1- 4)  $51,726   $46,105   $175,159   $237,531   $108,165   $348,564   $84,083   $3,391   $1,054,724 
Special Mention (Rated 5)   —    —    —    —    —    10,104    134    —    10,238 
Substandard (Rated 6)   —    —    —    —    8,166    2,604    —    —    10,770 
Total commercial real estate loans  $51,726   $46,105   $175,159   $237,531   $116,331   $361,272   $84,217   $3,391   $1,075,732 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $46   $—   $—   $46 
                                              
Payment Performance:                                             
Performing  $51,726   $46,105   $175,159   $237,531   $116,331   $360,942   $84,217   $3,391   $1,075,402 
Nonperforming   —    —    —    —    —    330    —    —    330 
                                              
Residential One-to-Four Family:                                             
Pass  $79,180   $60,825   $87,635   $88,761   $119,302   $205,620   $7,821   $—   $649,144 
Substandard   —    —    425    355    380    3,498    —    —    4,658 
Total residential one-to-four family  $79,180   $60,825   $88,060   $89,116   $119,682   $209,118   $7,821   $—   $653,802 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $59   $—   $—   $59 
                                              
Payment Performance:                                             
Performing  $79,180   $60,825   $87,635   $88,761   $119,302   $206,313   $7,821   $—   $649,837 
Nonperforming   —    —    425    355    380    2,805    —    —    3,965 
                                              
Home Equity:                                             
Pass  $9,509   $8,699   $9,196   $5,801   $6,264   $9,998   $68,920   $3,062   $121,449 
Substandard   13    —    70    —    —    —    317    8    408 
Total home equity loans  $9,522   $8,699   $9,266   $5,801   $6,264   $9,998   $69,237   $3,070   $121,857 
                                              
Current period gross charge-offs  $—   $—   $20   $—   $—   $7   $—   $99   $126 
                                              
Payment Performance:                                             
Performing  $9,509   $8,699   $9,196   $5,801   $6,264   $9,998   $68,920   $3,062   $121,449 
Nonperforming   13    —    70    —    —    —    317    8    408 

 

 

   As of and Year Ended December 31, 2024 
   Term Loans Originated by Year   Revolving Loans 
   2024   2023   2022   2021   2020   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
Commercial and Industrial:                                             
Pass (Rated 1- 4)  $29,346   $19,096   $27,609   $27,371   $14,859   $22,117   $58,852   $64   $199,314 
Special Mention (Rated 5)   —    25    590    125    —    328    99    —    1,167 
Substandard (Rated 6)   —    5,872    —    —    376    1,547    3,380    —    11,175 
Total commercial and industrial loans  $29,346   $24,993   $28,199   $27,496   $15,235   $23,992   $62,331   $64   $211,656 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $56   $—   $9   $65 
                                              
Payment Performance:                                             
Performing  $29,346   $24,993   $28,199   $27,496   $15,235   $23,468   $62,182   $64   $210,983 
Nonperforming   —    —    —    —    —    524    149    —    673 
                                              
Consumer:                                             
Pass  $839   $1,421   $842   $271   $45   $145   $823   $—   $4,386 
Substandard   —    —    —    —    —    5    —    —    5 
Total consumer loans  $839   $1,421   $842   $271   $45   $150   $823   $—   $4,391 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $228   $228 
                                              
Payment Performance:                                             
Performing  $839   $1,421   $842   $271   $45   $145   $823   $—   $4,386 
Nonperforming   —    —    —    —    —    5    —    —    5 

 

 

   As of and Year Ended December 31, 2023 
   Term Loan Origination by Year   Revolving Loans 
   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)  $42,764   $175,829   $228,739   $113,631   $91,353   $320,806   $81,483   $9,289   $1,063,894 
Special Mention (Rated 5)   —    —    —    180    915    3,237    164    —    4,496 
Substandard (Rated 6)   —    —    —    8,013    —    3,348    —    —    11,361 
Total commercial real estate loans  $42,764   $175,829   $228,739   $121,824   $92,268   $327,391   $81,647   $9,289   $1,079,751 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $764   $—   $—   $764 
                                              
Payment Performance:                                             
Performing  $42,764   $175,829   $228,739   $121,824   $92,268   $326,044   $81,647   $9,289   $1,078,404 
Nonperforming   —    —    —    —    —    1,347    —    —    1,347 
                                              
Residential One-to-Four Family:                                             
Pass  $59,257   $88,213   $94,290   $125,917   $54,263   $174,688   $10,401   $—   $607,029 
Substandard   —    447    495    445    —    3,899    —    —    5,286 
Total residential one-to-four family  $59,257   $88,660   $94,785   $126,362   $54,263   $178,587   $10,401   $—   $612,315 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $59,257   $88,213   $94,290   $125,540   $54,263   $175,612   $10,401   $—   $607,576 
Nonperforming   —    447    495    822    —    2,975    —    —    4,739 
                                              
Home Equity:                                             
Pass  $9,937   $10,885   $6,861   $7,108   $5,234   $7,261   $60,115   $2,329   $109,730 
Substandard   —    —    —    —    —    7    90    12    109 
Total home equity loans  $9,937   $10,885   $6,861   $7,108   $5,234   $7,268   $60,205   $2,341   $109,839 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $9,937   $10,885   $6,861   $7,108   $5,234   $7,261   $60,115   $2,329   $109,730 
Nonperforming   —    —    —    —    —    7    90    12    109 

 

   As of and Year Ended December 31, 2023 
   Term Loans Originated by Year   Revolving Loans 
   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)  $31,108   $35,705   $26,553   $19,780   $19,765   $8,825   $57,393   $69   $199,198 
Special Mention (Rated 5)   —    101    —    —    8    498    707    —    1,314 
Substandard (Rated 6)   —    —    1,408    8,156    —    85    7,286    —    16,935 
Total commercial and industrial loans  $31,108   $35,806   $27,961   $27,936   $19,773   $9,408   $65,386   $69   $217,447 
                                              
Current period gross charge-offs  $—   $147   $—   $—   $—   $221   $—   $1,193   $1,561 
                                              
Payment Performance:                                             
Performing  $31,108   $35,806   $27,961   $27,936   $19,773   $9,401   $65,175   $69   $217,229 
Nonperforming   —    —    —    —    —    7    211    —    218 
                                              
Consumer:                                             
Pass  $2,168   $1,381   $524   $241   $68   $270   $812   $—   $5,464 
Substandard   —    —    —    —    —    8    —    —    8 
Total consumer loans  $2,168   $1,381   $524   $241   $68   $278   $812   $—   $5,472 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $3   $182   $185 
                                              
Payment Performance:                                             
Performing  $2,168   $1,381   $524   $241   $68   $271   $811   $—   $5,464 
Nonperforming   —    —    —    —    —    7    1    —    8 
The following table summarizes information about total loans rated Special Mention, Substandard, Doubtful or Loss for the periods noted.

The following table summarizes information about total loans rated Special Mention, Substandard, Doubtful or Loss for the periods noted.

 

             
   December 31, 2024   December 31, 2023 
   (Dollar in thousands) 
Criticized loans:          
Special Mention  $11,405   $5,810 
Substandard   27,016    33,699 
Total criticized loans  $38,421   $39,509 
Total criticized loans as a percentage of total loans   1.9%   1.9%
XML 55 R39.htm IDEA: XBRL DOCUMENT v3.25.0.1
PREMISES AND EQUIPMENT (Tables)
 12 Months Ended
Dec. 31, 2024
Property, Plant and Equipment [Abstract]  
Premises and equipment are summarized as follows:

Premises and equipment are summarized as follows:

 

            
   December 31, 
   2024   2023 
   (Dollars in thousands) 
     
Land  $6,239   $6,239 
Buildings   28,451    28,231 
Leasehold improvements   3,472    3,472 
Furniture and equipment   24,164    23,268 
Total   62,326    61,210 
           
Less: accumulated depreciation and amortization   (37,905)   (35,635)
           
Premises and equipment, net  $24,421   $25,575 
XML 56 R40.htm IDEA: XBRL DOCUMENT v3.25.0.1
DEPOSITS (Tables)
 12 Months Ended
Dec. 31, 2024
Deposit Assets [Abstract]  
Deposit accounts, by type, are summarized as follows for the periods indicated:

Deposit accounts, by type, are summarized as follows for the periods indicated:

 

                             
   At December 31, 
   2024   % of
Total
Deposits		   2023   % of
Total
Deposits		 
   (Dollars in thousands) 
Demand and interest-bearing checking:                    
Interest-bearing checking accounts  $150,348    6.7%  $131,031    6.1%
Demand deposit accounts   565,620    25.0%   579,595    27.0%
Savings:                    
Regular savings accounts   181,618    8.0%   187,405    8.8%
Money market accounts   661,478    29.2%   634,361    29.6%
Total core deposits   1,559,064    68.9%   1,532,392    71.5%
Time deposits   703,583    31.1%   611,352    28.5%
Total deposits  $2,262,647    100.0%  $2,143,744    100.0%
The scheduled maturities of time deposits for the periods indicated are as follows:

The scheduled maturities of time deposits for the periods indicated are as follows:

 

                   
    At December 31, 
    2024   2023 
    (Dollars in thousands) 
          
2024   $—   $596,292 
2025    694,916    9,302 
2026    5,186    3,170 
2027    1,217    798 
2028    2,129    1,790 
2029    135    — 
Total time deposits   $703,583   $611,352 
Interest expense on deposits for the years ended December 31, 2024, 2023 and 2022 is summarized as follows:

Interest expense on deposits for the years ended December 31, 2024, 2023 and 2022 is summarized as follows:

 

                   
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
     
Savings accounts  $166   $181   $161 
Money market accounts   12,242    9,529    3,187 
Time deposits   28,806    15,898    1,474 
Interest-bearing accounts   1,022    1,041    530 
Total  $42,236   $26,649   $5,352 
XML 57 R41.htm IDEA: XBRL DOCUMENT v3.25.0.1
LONG-TERM DEBT (Tables)
 12 Months Ended
Dec. 31, 2024
Debt Disclosure [Abstract]  
The following advances are collateralized by a blanket lien on our residential real estate loans and certain eligible commercial real estate loans.

FHLB Advances. The following advances are collateralized by a blanket lien on our residential real estate loans and certain eligible commercial real estate loans.

 

    Amount   Weighted Average Rate 
    2024   2023   2024   2023 
    (Dollars in thousands)         
Fixed-rate advances maturing:                     
2024   $—   $30,646    —%   4.81%
2025    25,000    —    5.07    — 
2026    48,000    —    5.00    — 
2027    25,000    —    4.83    — 
Total long-term advances   $98,000   $30,646    4.97%   4.81%
XML 58 R42.htm IDEA: XBRL DOCUMENT v3.25.0.1
STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN (Tables)
 12 Months Ended
Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]  
The Threshold, Target and Stretch metrics under the 2021 LTI Plan are as follows:

The Threshold, Target and Stretch metrics under the 2021 LTI Plan are as follows:

 

                 
    ROE Metrics
Performance Period Ending   Threshold   Target   Stretch   Actual  
                   
December 31, 2021   5.63%   6.25%   7.50%   10.64%  
December 31, 2022   5.85%   6.50%   7.80%   11.85%  
December 31, 2023   6.08%   6.75%   8.10%   6.47%  

 

                   
    EPS Metrics  
Performance Period Ending   Threshold   Target   Stretch   Actual  
                   
Three-Year Cumulative Diluted EPS   $1.58   $1.97   $2.36   $2.90  
The Threshold, Target and Stretch metrics under the 2022 LTI Plan are as follows:

The Threshold, Target and Stretch metrics under the 2022 LTI Plan are as follows:

 

             
    ROE 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%

 

             
    EPS Metrics
Performance Period Ending   Threshold   Target   Stretch
             
Three-Year Cumulative Diluted EPS   $2.35   $2.61   $2.85
The Threshold, Target and Stretch metrics under the 2023 LTI Plan are as follows:

The Threshold, Target and Stretch metrics under the 2023 LTI Plan are as follows:

 

             
    ROE 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%

 

             
    EPS Metrics
Performance Period Ending   Threshold   Target   Stretch
             
Three-Year Cumulative Diluted EPS   $2.39   $2.65   $2.89
The Threshold, Target and Stretch metrics under the 2024 LTI Plan are as follows:

The Threshold, Target and Stretch metrics under the 2024 LTI Plan are as follows:

 

             
    ROE Metrics
Performance Period Ending   Threshold   Target   Stretch
             
December 31, 2024   5.05%   5.61%   6.17%
December 31, 2025   6.18%   6.86%   7.55%
December 31, 2026   7.30%   8.11%   8.92%

 

             
   

EPS Metrics 
Performance Period Ending   Threshold   Target   Stretch
             
Three-Year Cumulative Diluted EPS   $2.25   $2.50   $2.75
             
A summary of the status of unvested restricted stock awards at December 31, 2024 and 2023 is presented below:

A summary of the status of unvested restricted stock awards at December 31, 2024 and 2023 is presented below:

 

   Shares  

Weighted Average Grant

Date Fair Value 

($) 

 
Balance at December 31, 2023   220,635    9.29 
Shares granted   187,049    8.38 
Shares forfeited   (2,384)   8.39 
Shares vested   (150,568)   8.65 
Balance at December 31, 2024   254,732    9.01 

 

   Shares  

Weighted Average Grant

Date Fair Value 

($) 

 
Balance at December 31, 2022   206,092    8.85 
Shares granted   158,957    9.79 
Shares forfeited   (4,219)   9.57 
Shares vested   (140,195)   9.21 
Balance at December 31, 2023   220,635    9.29 
At December 31, 2024, the remaining principal balances are payable as follows:

At December 31, 2024, the remaining principal balances are payable as follows:

 

Years Ending     
December 31,   Amount 
(Dollars in thousands) 
2025   $447 
2026    447 
2027    447 
2028    447 
2029    447 
Thereafter    182 
Total   $2,417 
Shares held by the ESOP include the following at December 31, 2024 and 2023:

Shares held by the ESOP include the following at December 31, 2024 and 2023:

 

   2024   2023 
Allocated   1,182,583    1,176,311 
Committed to be allocated   71,240    74,993 
Unallocated   220,254    291,494 
Total   1,474,077    1,542,798 
XML 59 R43.htm IDEA: XBRL DOCUMENT v3.25.0.1
RETIREMENT PLANS AND EMPLOYEE BENEFITS (Tables)
 12 Months Ended
Dec. 31, 2024
Retirement Benefits [Abstract]  
The following table provides information related to the DB Plan for the year ended December 31, 2023:

The following table provides information related to the DB Plan for the year ended December 31, 2023:

 

   For the year ended
December 31,		 
   2023 
   (Dollars in thousands)
      
Change in benefit obligation:     
Benefit obligation at beginning of year  $24,612 
Service cost   — 
Interest   487 
Actuarial gain   (33)
Effect of settlement/curtailment   (24,886)
Benefits paid   (180)
Benefit obligation at end of year   — 
      
Change in plan assets:     
Fair value of plan assets at beginning of year   23,134 
Actual return on plan assets   671 
Employer contribution   1,261 
Benefits paid   (180)
Effect of settlement   (24,886)
Fair value of plan assets at end of year   — 
      
Funded status and accrued benefit at end of year  $— 
      
Accumulated benefit obligation at end of year  $— 
Net pension cost includes the following components for the year ended December 31, 2023:

Net pension cost includes the following components for the year ended December 31, 2023:

 

   For the year ended
December 31,		 
   2023 
    (Dollars in thousands) 
      
Service cost  $— 
Interest cost   487 
Expected return on assets   (333)
Amortization of actuarial loss   — 
Net periodic pension cost  $154 
The following actuarial assumptions were used in determining the net periodic pension cost for the year ended December 31, 2023:

The following actuarial assumptions were used in determining the net periodic pension cost for the year ended December 31, 2023:

 

   Year Ended
December 31,		 
   2023 
Discount rate   5.05%
Expected return on plan assets   3.70 
Rate of compensation increase   N/A 
XML 60 R44.htm IDEA: XBRL DOCUMENT v3.25.0.1
DERIVATIVES AND HEDGING ACTIVITIES (Tables)
 12 Months Ended
Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
As of December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges:

In October of 2024, $200 million in notional amount of designated fair value hedges matured. As of December 31, 2024, the Company did not have any outstanding fair value hedges on the balance sheet. As of December 31, 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 December 31, 2023   At December 31, 2023 
   (Dollars in thousands) 
     
 Loans  $199,393   $(607)
Total  $199,393   $(607)
The tables below present 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 December 31, 2024 and December 31, 2023.

The tables below present 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 December 31, 2024 and December 31, 2023.

 

December 31, 2024  Asset Derivatives    Liability Derivatives  
   Balance Sheet
Location		  Fair Value   Balance Sheet
Location		  Fair Value 
   (Dollars in thousands)
    
Derivatives not designated as hedging instruments:   
Interest rate swap – with customer counterparties     $—       5,883 
Interest rate swap – with dealer counterparties      5,883       — 
 Total derivatives  Other Assets  $5,883   Other Liabilities  $5,883 

 

December 31, 2023

 

  Asset Derivatives    Liability Derivatives  
   Balance Sheet
Location		  Fair Value   Balance Sheet
Location		  Fair Value 
   (Dollars in thousands)
Hedging Derivatives                
Interest rate swaps - fair value hedges     $651      $— 
Derivatives not designated as hedging instruments:                
Interest rate swap – with customer counterparties      —       5,239 
Interest rate swap – with dealer counterparties      5,239       — 
 Total derivatives  Other Assets  $5,890   Other Liabilities  $5,239 
The table below presents the effect of the Company’s derivative financial instruments on the statements of net income as of December 31, 2024, 2023 and 2022.

The table below presents the effect of the Company’s derivative financial instruments on the statements of net income as of December 31, 2024, 2023 and 2022.

 

                       
   Location and Amount of Gain (Loss) Recognized in Income
on Fair Value Hedging Relationships		 
   Year Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
     
Balance sheet location  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  $1,398   $1,085   $— 
                
Gain (loss) on fair value hedging relationships               
Interest rate contracts:               
Hedged items  $607   $(607)   — 
Derivatives designated as hedging instruments   791    1,692    — 
XML 61 R45.htm IDEA: XBRL DOCUMENT v3.25.0.1
LEASES (Tables)
 12 Months Ended
Dec. 31, 2024
Leases  
Supplemental cash flow information related to leases was as follows:

Supplemental cash flow information related to leases was as follows:

 

               
   Year Ended December 31, 
   2024   2023 
   (Dollars in thousands) 
         
Cash paid for amounts included in the measurement of lease liabilities:          
 Operating cash flows from operating leases  $1,524   $1,488 
ROU assets obtained in exchange for lease obligations:          
Operating leases   451    412 
Supplemental balance sheet information related to leases was as follows:

Supplemental balance sheet information related to leases was as follows:

 

   December 31, 2024   December 31, 2023 
   (Dollars in thousands) 
         
Operating lease ROU assets  $7,383   $8,201 
Operating lease liabilities  $7,673   $8,471 
Future undiscounted lease payments for the Company’s operating lease liabilities were as follows (in thousands):

Future undiscounted lease payments for the Company’s operating lease liabilities were as follows (in thousands):

      
Years Ending December 31,     
2025   $1,474 
2026    1,358 
2027    1,099 
2028    861 
2029    821 
Thereafter    3,262 
Total lease payments    8,875 
Less imputed interest    (1,202)
Total   $7,673 
XML 62 R46.htm IDEA: XBRL DOCUMENT v3.25.0.1
REGULATORY CAPITAL (Tables)
 12 Months Ended
Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]  
Our actual capital ratios of December 31, 2024 and December 31, 2023 are also presented in the following table.

Our actual capital ratios of December 31, 2024 and December 31, 2023 are also presented in the following table.

 

   Actual   Minimum For Capital
Adequacy Purpose		   Minimum To Be Well
Capitalized Under Prompt
Corrective Action Provisions		 
   Amount   Ratio   Amount   Ratio   Amount   Ratio 
   (Dollars in thousands) 
December 31, 2024                        
Total Capital (to Risk Weighted Assets):                              
Consolidated  $285,545    14.38%  $158,884    8.00%    N/A      N/A  
Bank   270,879    13.65    158,744    8.00   $198,430    10.00%
Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,663    12.37    119,163    6.00     N/A      N/A  
Bank   250,748    12.64    119,058    6.00    158,744    8.00 
Common Equity Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,663    12.37    89,372    4.50     N/A      N/A  
Bank   250,748    12.64    89,293    4.50    128,979    6.50 
Tier 1 Leverage Ratio (to Adjusted Average Assets):                              
Consolidated   245,663    9.14    107,461    4.00     N/A      N/A  
Bank   250,748    9.34    107,390    4.00    134,237    5.00 

 

   Actual   Minimum For Capital
Adequacy Purpose		   Minimum To Be Well
Capitalized Under Prompt
Corrective Action Provisions		 
   Amount   Ratio   Amount   Ratio   Amount   Ratio 
   (Dollars in thousands) 
December 31, 2023                        
Total Capital (to Risk Weighted Assets):                              
Consolidated  $285,760    14.67%  $155,873    8.00%    N/A      N/A  
Bank   271,420    13.94    155,711    8.00   $194,639    10.00%
Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,363    12.59    116,905    6.00     N/A      N/A  
Bank   250,734    12.88    116,783    6.00    155,711    8.00 
Common Equity Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,363    12.59    87,679    4.50     N/A      N/A  
Bank   250,734    12.88    87,587    4.50    126,515    6.50 
Tier 1 Leverage Ratio (to Adjusted Average Assets):                              
Consolidated   245,363    9.40    104,400    4.00     N/A      N/A  
Bank   250,734    9.62    104,290    4.00    130,363    5.00 
The following is a reconciliation of our GAAP capital to regulatory Tier 1, Common Equity Tier 1 and total capital:

The following is a reconciliation of our GAAP capital to regulatory Tier 1, Common Equity Tier 1 and total capital:

 

               
   December 31, 
   2024   2023 
   (Dollars in thousands) 
     
Consolidated GAAP capital  $235,910   $237,409 
Net unrealized losses on available-for-sale securities, net of tax   23,274    21,744 
Goodwill   (12,487)   (12,487)
Intangible assets, net of associated deferred tax liabilities   (1,034)   (1,303)
Tier 1 and Common Equity Tier 1 capital   245,663    245,363 
Allowance for credit losses for regulatory capital   20,131    20,685 
Subordinated debt   19,751    19,712 
Total regulatory capital  $285,545   $285,760 
XML 63 R47.htm IDEA: XBRL DOCUMENT v3.25.0.1
INCOME TAXES (Tables)
 12 Months Ended
Dec. 31, 2024
Income Tax Disclosure [Abstract]  
Income taxes consist of the following:

Income taxes consist of the following:

 

                       
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
             
Current tax provision:               
Federal  $2,089   $2,990   $5,251 
State   1,024    1,335    2,403 
Total   3,113    4,325    7,654 
                
Deferred tax provision:               
Federal   123    94    712 
State   55    97    376 
Total   178    191    1,088 
Total tax provision  $3,291   $4,516   $8,742 
The differences between the statutory federal income tax at a rate of 21% and the effective tax are summarized below:

The differences between the statutory federal income tax at a rate of 21% and the effective tax are summarized below:

 

                       
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
             
Statutory federal income tax  $3,141   $4,113   $7,272 
Increase (decrease) resulting from:               
State taxes, net of federal tax benefit   853    1,244    2,195 
Tax-exempt income   (340)   (340)   (360)
Bank-owned life insurance (BOLI)   (401)   (382)   (362)
BOLI death benefit   —    (163)   — 
Option exercise tax (benefit) shortfall   —    —    (28)
Other, net   38    44    25 
Effective tax  $3,291   $4,516   $8,742 
The tax effects of each item that gives rise to deferred taxes are as follows:

The tax effects of each item that gives rise to deferred taxes are as follows:

 

               
   December 31, 
   2024   2023 
   (Dollars in thousands) 
         
Deferred tax assets:          
Net unrealized loss on available-for-sale securities  $7,962   $7,422 
Allowance for credit losses   5,702    5,865 
Lease liability   2,157    2,381 
Employee benefit and share-based compensation plans   1,154    1,272 
Accrued expenses   599    450 
Nonperforming interest   292    264 
FDIC assessment   103    95 
Interest payable   90    73 
Purchased mortgage servicing rights   66    38 
Other   203    277 
Gross deferred tax assets   18,328    18,137 
           
Deferred tax liabilities:          
Lease right-of-use asset   (2,075)   (2,305)
Purchase accounting adjustments, net   (774)   (867)
Deferred loan fees   (914)   (804)
Fixed asset depreciation   (533)   (494)
Other   (35)   (31)
Gross deferred tax liabilities   (4,331)   (4,501)
           
Net deferred tax asset  $13,997   $13,636 
           
XML 64 R48.htm IDEA: XBRL DOCUMENT v3.25.0.1
TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS (Tables)
 12 Months Ended
Dec. 31, 2024
Related Party Transactions [Abstract]  
Following is a summary of activity for such loans:

We have had, and expect to have in the future, loans with our directors and executive officers including their affiliates. Such loans, in our opinion, do not include more than the normal risk of collectability or other unfavorable features. Following is a summary of activity for such loans:

 

               
   Years Ended December 31, 
   2024   2023 
   (Dollars in thousands) 
         
Balance at beginning of year  $561   $545 
Principal distributions   50    1 
Repayments of principal   (246)   (42)
Change in related party status   —    57 
           
Balance at end of year   $365   $561 
XML 65 R49.htm IDEA: XBRL DOCUMENT v3.25.0.1
COMMITMENTS AND CONTINGENCIES (Tables)
 12 Months Ended
Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]  
The following summarizes these financial instruments and other commitments and contingent liabilities at their contract amounts:

We do not anticipate any significant losses as a result of these transactions. The following summarizes these financial instruments and other commitments and contingent liabilities at their contract amounts:

 

   December 31, 
   2024   2023 
   (Dollars in thousands) 
Commitments to extend credit:          
Unused lines of credit  $343,078   $352,462 
Loan commitments   56,183    37,814 
Existing construction loan agreements   47,398    31,829 
Standby letters of credit   18,773    22,393 
XML 66 R50.htm IDEA: XBRL DOCUMENT v3.25.0.1
FAIR VALUE OF ASSETS AND LIABLITIES (Tables)
 12 Months Ended
Dec. 31, 2024
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:

 

                               
   December 31, 2024 
   Level 1   Level 2   Level 3   Total 
   (Dollars in thousands) 
Assets:    
Securities available-for-sale  $—   $160,704   $—   $160,704 
Marketable equity securities   397    —    —    397 
Interest rate swaps   —    5,883    —    5,883 
Total assets  $397   $166,587   $—   $166,984 
                     
Liabilities:                    
Interest rate swaps  $—   $5,883   $—   $5,883 

 

                               
   December 31, 2023 
   Level 1   Level 2   Level 3   Total 
   (Dollars in thousands) 
Assets:    
Securities available-for-sale  $—   $137,115   $—   $137,115 
Marketable equity securities   196    —    —    196 
Interest rate swaps   —    5,890    —    5,890 
Total assets  $196   $143,005   $—   $143,201 
                     
Liabilities:                    
Interest rate swaps  $—   $5,239   $—   $5,239 
                     
The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2024 and 2023.

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 December 31, 2024 and 2023.

 

       Year Ended 
   At December 31, 2024   December 31, 2024 
               Total 
   Level 1   Level 2   Level 3   Losses 
   (Dollars in thousands)   (Dollars in thousands) 
         
Collateral dependent loans  $—   $—   $325   $182 

 

       Year Ended 
   At December 31, 2023   December 31, 2023 
               Total 
   Level 1   Level 2   Level 3   Losses 
   (Dollars in thousands)   (Dollars in thousands) 
         
Collateral dependent loans  $—   $—   $1,100   $2,178 
The estimated fair values of our financial instruments are as follows:

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

 

                                       
  

December 31, 2024 

 
   Carrying
Value		   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (Dollars in thousands) 
Assets:                    
Cash and cash equivalents  $66,450   $66,450   $—   $—   $66,450 
Securities held-to-maturity   205,036    4,727    160,879    —    165,606 
Securities available-for-sale   160,704    —    160,704    —    160,704 
Marketable equity securities   397    397    —    —    397 
FHLB and other restricted stock   5,818    —    —    5,818    5,818 
Loans - net   2,050,660    —    —    1,894,621    1,894,621 
Accrued interest receivable   8,468    —    —    8,468    8,468 
Mortgage servicing rights   436    —    826    —    826 
 Derivative asset   5,883    —    5,883    —    5,883 
                          
Liabilities:                         
Deposits   2,262,647    —    —    2,261,666    2,261,666 
Short-term borrowings   5,390    —    5,390    —    5,390 
Long-term debt   98,000    —    98,835    —    98,835 
Subordinated debt   19,751    —    15,876    —    15,876 
Accrued interest payable   903    —    —    903    903 
Derivative liabilities   5,883    —    5,883    —    5,883 

 

                                       
   December 31, 2023 
   Carrying
Value		   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (Dollars in thousands) 
Assets:                    
Cash and cash equivalents  $28,840   $28,840   $—   $—   $28,840 
Securities held-to-maturity   223,370    9,450    178,242    —    187,692 
Securities available-for-sale   137,115    —    137,115    —    137,115 
Marketable equity securities   196    196    —    —    196 
FHLB and other restricted stock   3,707    —    —    3,707    3,707 
Loans - net   2,007,050    —    —    1,841,913    1,841,913 
Accrued interest receivable   8,528    —    —    8,528    8,528 
Mortgage servicing rights   422    —    724    —    724 
 Derivative asset   5,890    —    5,890    —    5,890 
                          
Liabilities:                         
Deposits   2,143,744    —    —    2,140,930    2,140,930 
Short-term borrowings   16,100    —    16,100    —    16,100 
Long-term debt   120,646    —    120,460    —    120,460 
Subordinated debt   19,712    —    17,938    —    17,938 
Accrued interest payable   3,310    —    —    3,310    3,310 
Derivative liabilities   5,239    —    5,239    —    5,239 
                          
XML 67 R51.htm IDEA: XBRL DOCUMENT v3.25.0.1
CONDENSED PARENT COMPANY FINANCIAL STATEMENTS (Tables)
 12 Months Ended
Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]  
The condensed balance sheets of the parent company are as follows:

The condensed balance sheets of the parent company are as follows:

 

           
   December 31, 
   2024   2023 
   (Dollars in thousands) 
ASSETS:        
Cash equivalents  $422   $940 
Investment in subsidiaries   240,994    242,780 
ESOP loan receivable   2,417    3,050 
Other assets   14,575    13,780 
TOTAL ASSETS  $258,408   $260,550 
           
LIABILITIES:          
ESOP loan payable  $2,417   $3,050 
Other liabilities   20,081    20,091 
EQUITY   235,910    237,409 
TOTAL LIABILITIES AND EQUITY  $258,408   $260,550 
The condensed statements of net income for the parent company are as follows:

The condensed statements of net income for the parent company are as follows:

 

                     
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
INCOME:            
Dividends from subsidiaries  $14,209   $12,119   $8,152 
ESOP loan interest income   244    296    349 
Other income   11    36    2 
Total income   14,464    12,451    8,503 
                
OPERATING EXPENSE:               
Salaries and employee benefits   1,408    1,761    2,011 
ESOP loan interest expense   244    296    349 
Other expenses   1,285    1,310    1,283 
Total operating expense   2,937    3,367    3,643 
                
Income before equity in undistributed income of subsidiaries and income taxes   11,527    9,084    4,860 
Equity in undistributed income of subsidiaries   (255)   5,591    20,595 
Net income before taxes   11,272    14,675    25,455 
Income tax benefit   (394)   (393)   (432)
Net income  $11,666   $15,068   $25,887 
The condensed statements of cash flows of the parent company are as follows:

The condensed statements of cash flows of the parent company are as follows:

 

                       
   Years Ended December 31, 
   2024   2023   2022 
   (Dollars in thousands) 
OPERATING ACTIVITIES:               
Net income  $11,666   $15,068   $25,887 
Equity in undistributed income of subsidiaries   255    (5,591)   (20,595)
Net amortization of premiums on subordinated debt   39    39    40 
Change in other liabilities   (844)   (881)   (642)
Change in other assets   (162)   651    694 
Other, net   2,041    1,979    1,757 
 Net cash provided by operating activities   12,995    11,265    7,141 
                

INVESTING ACTIVITIES: 

               
Purchase of securities   (82)   (103)   (107)
Sales of securities   82    103    107 
Net cash provided by investing activities   —    —    — 
                

FINANCING ACTIVITIES: 

               
Cash dividends paid   (5,914)   (6,066)   (5,281)
Common stock repurchased   (7,599)   (5,022)   (6,351)
Issuance of common stock in connection with stock option exercises   —    —    1,171 
Net cash used in financing activities   (13,513)   (11,088)   (10,461)
                
NET CHANGE IN CASH AND CASH EQUIVALENTS   (518)   177    (3,320)
                
CASH AND CASH EQUIVALENTS               
Beginning of year   940    763    4,083 
End of year  $422   $940   $763 
Supplemental cash flow information:               
Net change in due to broker for common stock repurchased  $163   $—   $— 
XML 68 R52.htm IDEA: XBRL DOCUMENT v3.25.0.1
SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Tables)
 12 Months Ended
Dec. 31, 2024
Quarterly Financial Information Disclosure [Abstract]  
The following tables present a summary of our quarterly financial information for the periods indicated.

The following tables present a summary of our quarterly financial information for the periods indicated. The year-to-date totals may differ slightly due to rounding. All unaudited interim financial statements furnished shall reflect all adjustments which are, in the opinion of management, necessary to a fair statement of the results for interim periods presented and are of a normal and recurring nature, unless otherwise noted.

 

                             
   2024 
   First Quarter   Second Quarter   Third Quarter   Fourth Quarter 
   (Dollars in thousands, except per share amounts) 
     
Interest and dividend income  $26,604   $26,802   $27,840   $28,586 
Interest expense   11,258    12,332    13,112    13,313 
                     
Net interest and dividend income   15,346    14,470    14,728    15,273 
                     
(Reversal of) provision for credit losses   (550)   (294)   941    (762)
                     
Loss on disposal of premises and equipment   (6)   —    —    — 
Unrealized gain (loss) on marketable equity securities, net   8    4    10    (9)
Gain on non-marketable equity investments   —    987    —    300 
Gain (loss) on sale of mortgages   —    —    246    (11)
Other non-interest income   2,672    2,843    2,885    2,974 
Non-interest income   2,674    3,834    3,141    3,254 
                     
Non-interest expense   14,782    14,314    14,406    14,926 
                     
Income before income taxes   3,788    4,284    2,522    4,363 
Income tax provision   827    771    618    1,075 
Net income  $2,961   $3,513   $1,904   $3,288 
                     
Basic earnings per share  $0.14   $0.17   $0.09   $0.16 
Diluted earnings per share  $0.14   $0.17   $0.09   $0.16 

 

 

                               
   2023 
   First Quarter   Second Quarter   Third Quarter   Fourth Quarter 
   (Dollars in thousands, except per share amounts) 
     
Interest and dividend income  $23,638   $24,809   $25,901   $26,770 
Interest expense   5,134    7,963    9,518    10,594 
                     
Net interest and dividend income   18,504    16,846    16,383    16,176 
                     
(Reversal of) provision for credit losses   (388)   420    354    486 
                     
Loss on disposal of premises and equipment   —    —    (3)   — 
Unrealized loss on marketable equity securities, net   —    —    —    (1)
Gain on non-marketable equity investments   352    —    238    — 
Loss on defined benefit plan termination(1)   —    (1,143)   —    — 
Gain on bank-owned life insurance death benefit(2)   —    —    778    — 
Other non-interest income   2,627    2,735    2,599    2,715 
Non-interest income   2,979    1,592    3,612    2,714 
                     
Non-interest expense   14,896    14,551    14,118    14,785 
                     
Income before income taxes   6,975    3,467    5,523    3,619 
Income tax provision   1,671    704    1,033    1,108 
Net income  $5,304   $2,763   $4,490   $2,511 
                     
Basic earnings per share  $0.24   $0.13   $0.21   $0.12 
Diluted earnings per share  $0.24   $0.13   $0.21   $0.12 

 

 

(1)The decrease in non-interest income for the three months ended June 30, 2023 was due to a one-time, non-recurring final termination expense of $1.1 million resulting from the termination of the Company’s defined benefit pension plan.

(2)The increase in non-interest income for the three months ended September 30, 2023 was due to a non-taxable gain on bank-owned life insurance.
XML 69 R53.htm IDEA: XBRL DOCUMENT v3.25.0.1
The estimated useful lives of the assets are as follows: (Details)
Dec. 31, 2024
Building [Member]  
Property, Plant and Equipment [Line Items]  
Estimated useful lives 39 years
Leasehold Improvements [Member] | Minimum [Member]  
Property, Plant and Equipment [Line Items]  
Estimated useful lives 5 years
Leasehold Improvements [Member] | Maximum [Member]  
Property, Plant and Equipment [Line Items]  
Estimated useful lives 20 years
Furniture and Equipment [Member] | Minimum [Member]  
Property, Plant and Equipment [Line Items]  
Estimated useful lives 3 years
Furniture and Equipment [Member] | Maximum [Member]  
Property, Plant and Equipment [Line Items]  
Estimated useful lives 7 years
XML 70 R54.htm IDEA: XBRL DOCUMENT v3.25.0.1
Earnings per common share for the years ended December 31, 2024, 2023 and 2022 have been computed based on the following: (Details) - USD ($)
$ / shares in Units, shares in Thousands, $ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2024
Sep. 30, 2024
Jun. 30, 2024
Mar. 31, 2024
Dec. 31, 2023
Sep. 30, 2023
Jun. 30, 2023
Mar. 31, 2023
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Accounting Policies [Abstract]                      
Net income applicable to common stock $ 3,288 $ 1,904 $ 3,513 $ 2,961 $ 2,511 $ 4,490 $ 2,763 $ 5,304 $ 11,666 $ 15,068 $ 25,887
Average number of common shares issued                 21,345 22,037 22,451
Less: Average unallocated ESOP Shares                 (264) (338) (415)
Less: Average unvested performance-based equity incentive plan shares                 (181) (163) (156)
Average number of common shares outstanding used to calculate basic earnings per common share                 20,900 21,536 21,880
Effect of dilutive performance-based equity incentive plan shares                 116 74 41
Effect of dilutive stock options                 17
Average number of common shares outstanding used to calculate diluted earnings per common share                 21,016 21,610 21,938
Basic earnings per share $ 0.16 $ 0.09 $ 0.17 $ 0.14 $ 0.12 $ 0.21 $ 0.13 $ 0.24 $ 0.56 $ 0.70 $ 1.18
Diluted earnings per share $ 0.16 $ 0.09 $ 0.17 $ 0.14 $ 0.12 $ 0.21 $ 0.13 $ 0.24 $ 0.56 $ 0.70 $ 1.18
XML 71 R55.htm IDEA: XBRL DOCUMENT v3.25.0.1
The components of accumulated other comprehensive loss, included in shareholders’ equity, are as follows: (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Accumulated Other Comprehensive Income (Loss) [Line Items]    
Accumulated other comprehensive loss $ (23,274) $ (21,744)
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 (31,236) (29,166)
Tax effect 7,962 7,422
Accumulated other comprehensive loss $ (23,274) $ (21,744)
XML 72 R56.htm IDEA: XBRL DOCUMENT v3.25.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative) - N
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Number of banking offices in which bank operates 25  
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%  
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration] Other assets Other assets
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration] Other liabilities Other liabilities
401 (k) [Member]    
Employer matching contribution for the first 4% of each participant's annual earnings 100.00%  
Maximum percentage of participant's annual earnings subject to match by employer for 401(K) plan 4.00%  
XML 73 R57.htm IDEA: XBRL DOCUMENT v3.25.0.1
The following tables summarize the amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024 and December 31, 2023 (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost $ 191,940 $ 166,281
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (31,236) (29,166)
Available-for-sale securities, at fair value 160,704 137,115
Held-to-maturity securities, amortized cost 205,036 223,370
Held-to-maturity securities, gross unrealized gains 13 107
Held-to-maturity securities, gross unrealized losses (39,443) (35,785)
Held-to-maturity securities, fair value 165,606 187,692
Total, amortized cost 396,976 389,651
Total, gross unrealized gains 13 107
Total, gross unrealized losses (70,679) (64,951)
Total, fair value 326,310 324,807
Government-sponsored enterprise obligations [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 19,424 14,924
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (2,966) (2,898)
Available-for-sale securities, at fair value 16,458 12,026
Corporate Debt Securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 5,000 8,000
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (390) (1,038)
Available-for-sale securities, at fair value 4,610 6,962
Debt Securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 24,424 23,059
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (3,356) (3,936)
Available-for-sale securities, at fair value 21,068 19,123
Held-to-maturity securities, amortized cost 6,066 9,995
Held-to-maturity securities, gross unrealized gains
Held-to-maturity securities, gross unrealized losses (278) (545)
Held-to-maturity securities, fair value 5,788 9,450
Government-sponsored mortgage-backed securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 161,313 136,533
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (26,535) (23,976)
Available-for-sale securities, at fair value 134,778 112,557
Held-to-maturity securities, amortized cost 198,970 213,375
Held-to-maturity securities, gross unrealized gains 13 107
Held-to-maturity securities, gross unrealized losses (39,165) (35,240)
Held-to-maturity securities, fair value 159,818 178,242
U.S. government guaranteed mortgage-backed securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 6,203 6,689
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (1,345) (1,254)
Available-for-sale securities, at fair value 4,858 5,435
Collateralized Mortgage-Backed Securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 167,516 143,222
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (27,880) (25,230)
Available-for-sale securities, at fair value 139,636 117,992
Held-to-maturity securities, amortized cost 198,970 213,375
Held-to-maturity securities, gross unrealized gains 13 107
Held-to-maturity securities, gross unrealized losses (39,165) (35,240)
Held-to-maturity securities, fair value 159,818 178,242
US Treasury Securities [Member]    
Marketable Securities [Line Items]    
Held-to-maturity securities, amortized cost 5,002 9,995
Held-to-maturity securities, gross unrealized gains
Held-to-maturity securities, gross unrealized losses (275) (545)
Held-to-maturity securities, fair value 4,727 9,450
U.S. Government Guaranteed Obligations [Member]    
Marketable Securities [Line Items]    
Held-to-maturity securities, amortized cost 1,064  
Held-to-maturity securities, gross unrealized gains  
Held-to-maturity securities, gross unrealized losses (3)  
Held-to-maturity securities, fair value $ 1,061  
State and Municipal Bonds [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost   135
Available-for-sale securities, gross unrealized gains  
Available-for-sale securities, gross unrealized losses  
Available-for-sale securities, at fair value   $ 135
XML 74 R58.htm IDEA: XBRL DOCUMENT v3.25.0.1
The following table presents the unrealized gains (losses) recognized on marketable equity securities for the years indicated: (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2024
Sep. 30, 2024
Jun. 30, 2024
Mar. 31, 2024
Dec. 31, 2023
Sep. 30, 2023
Jun. 30, 2023
Mar. 31, 2023
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Investments, Debt and Equity Securities [Abstract]                      
Net gains (losses) recognized during the year on marketable equity securities $ (9) $ 10 $ 4 $ 8 $ (1) $ 13 $ (1) $ (717)
Net losses recognized during the year on equity securities sold during the year                 1,021
Unrealized gain (loss) recognized during the year on marketable equity securities still held at year end                 $ 13 $ (1) $ 304
XML 75 R59.htm IDEA: XBRL DOCUMENT v3.25.0.1
The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024, by final maturity, are shown below. (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Marketable Securities [Line Items]    
Amortized cost, available for sale $ 191,940 $ 166,281
Fair value, available for sale 160,704 137,115
Amortized cost, held to maturity 205,036 223,370
Fair value, held to maturity 165,606 187,692
Debt Securities [Member]    
Marketable Securities [Line Items]    
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 5,002  
Held-to-maturity securities, due after one year through five years, fair value 4,727  
Available-for-sale securities, due after five years through ten years, amortized cost 22,427  
Available-for-sale securities, due after five years through ten years, fair value 19,076  
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 1,997  
Available-for-sale securities, due after ten years, fair value 1,992  
Held-to-maturity securities, due after ten years, amortized cost 1,064  
Held-to-maturity securities, due after ten years, fair value 1,061  
Amortized cost, available for sale 24,424 23,059
Fair value, available for sale 21,068 19,123
Amortized cost, held to maturity 6,066 9,995
Fair value, held to maturity 5,788 9,450
Collateralized Mortgage-Backed Securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, due after one year through five years, amortized cost 843  
Available-for-sale securities, due after one year through five years, fair value 820  
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 2,807  
Available-for-sale securities, due after five years through ten years, fair value 2,749  
Held-to-maturity securities, due after five years through ten years, amortized cost 2,524  
Held-to-maturity securities, due after five years through ten years, fair value 2,397  
Available-for-sale securities, due after ten years, amortized cost 163,866  
Available-for-sale securities, due after ten years, fair value 136,067  
Held-to-maturity securities, due after ten years, amortized cost 196,446  
Held-to-maturity securities, due after ten years, fair value 157,421  
Amortized cost, available for sale 167,516 143,222
Fair value, available for sale 139,636 117,992
Amortized cost, held to maturity 198,970 213,375
Fair value, held to maturity $ 159,818 $ 178,242
XML 76 R60.htm IDEA: XBRL DOCUMENT v3.25.0.1
The following tables summarize the gross unrealized losses and fair value of the Company’s securities available-for-sale and held-to-maturity, segregated by the duration of their continuous unrealized loss positions at December 31, 2024 and 2023: (Details)
$ in Thousands
Dec. 31, 2024
USD ($)
N
Dec. 31, 2023
USD ($)
N
Marketable Securities [Line Items]    
Available-for-sale, less than 12 months, number of securities | N 12
Available-for-sale, less than 12 months, fair value $ 37,597
Available-for-sale, less than 12 months, gross unrealized loss $ 603
Available-for-sale, over 12 months, number of securities | N 84 85
Available-for-sale, over 12 months, fair value $ 120,985 $ 136,980
Available-for-sale, over 12 months, gross unrealized loss $ 30,633 $ 29,166
Held-to-maturity, over 12 months, number of securities | N 38 38
Held-to-maturity, over 12 months, fair value $ 153,719 $ 173,845
Held-to-maturity, over 12 months, gross unrealized loss $ 39,313 $ 35,729
Held-to-maturity, less than 12 months, number of securities | N 5 4
Held-to-maturity, less than 12 months, fair value $ 10,248 $ 7,097
Held-to-maturity, less than 12 months, gross unrealized loss $ 130 $ 56
Total, less than 12 months, number of securities | N 17 4
Total, less than 12 months, fair value $ 47,845 $ 7,097
Total, less than 12 months, gross unrealized loss $ 733 $ 56
Total, over 12 months, number of securities | N 122 123
Total, over 12 months, fair value $ 274,704 $ 310,825
Total, over 12 months, gross unrealized loss $ 69,946 $ 64,895
Government-sponsored mortgage-backed securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale, less than 12 months, number of securities | N 9
Available-for-sale, less than 12 months, fair value $ 33,145
Available-for-sale, less than 12 months, gross unrealized loss $ 584
Available-for-sale, less than 12 months, depreciation from amortized cost basis (%) 1.70%
Available-for-sale, over 12 months, number of securities | N 70 70
Available-for-sale, over 12 months, fair value $ 99,529 $ 112,557
Available-for-sale, over 12 months, gross unrealized loss $ 25,951 $ 23,976
Available-for-sale, over 12 months, depreciation from amortized cost basis (%) 20.70% 17.60%
Held-to-maturity, over 12 months, number of securities | N 37 36
Held-to-maturity, over 12 months, fair value $ 148,992 $ 164,395
Held-to-maturity, over 12 months, gross unrealized loss $ 39,038 $ 35,184
Held-to-maturity, over 12 months, depreciation from amortized cost basis (%) 20.80% 17.60%
Held-to-maturity, less than 12 months, number of securities | N 4 4
Held-to-maturity, less than 12 months, fair value $ 9,187 $ 7,097
Held-to-maturity, less than 12 months, gross unrealized loss $ 127 $ 56
Held-to-maturity, less than 12 months, depreciation from amortized cost basis (%) 1.40% 0.80%
U.S. government guaranteed mortgage-backed securities [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 9 9
Available-for-sale, over 12 months, fair value $ 4,858 $ 5,435
Available-for-sale, over 12 months, gross unrealized loss $ 1,345 $ 1,254
Available-for-sale, over 12 months, depreciation from amortized cost basis (%) 21.70% 18.70%
Government-sponsored enterprise obligations [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 $ 4,452
Available-for-sale, less than 12 months, gross unrealized loss $ 19
Available-for-sale, less than 12 months, depreciation from amortized cost basis (%) 0.40%
Available-for-sale, over 12 months, number of securities | N 3 3
Available-for-sale, over 12 months, fair value $ 11,988 $ 12,026
Available-for-sale, over 12 months, gross unrealized loss $ 2,947 $ 2,898
Available-for-sale, over 12 months, depreciation from amortized cost basis (%) 19.70% 19.40%
Corporate Bonds [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 2 3
Available-for-sale, over 12 months, fair value $ 4,610 $ 6,962
Available-for-sale, over 12 months, gross unrealized loss $ 390 $ 1,038
Available-for-sale, over 12 months, depreciation from amortized cost basis (%) 7.80% 13.00%
US Treasury Securities [Member]    
Marketable Securities [Line Items]    
Held-to-maturity, over 12 months, number of securities | N 1 2
Held-to-maturity, over 12 months, fair value $ 4,727 $ 9,450
Held-to-maturity, over 12 months, gross unrealized loss $ 275 $ 545
Held-to-maturity, over 12 months, depreciation from amortized cost basis (%) 5.50% 5.50%
U.S. Government Guaranteed Obligations [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 $ 1,061  
Available-for-sale, less than 12 months, gross unrealized loss $ 3  
XML 77 R61.htm IDEA: XBRL DOCUMENT v3.25.0.1
INVESTMENT SECURITIES (Details Narrative)
$ in Thousands
 3 Months Ended 12 Months Ended
Jun. 30, 2023
USD ($)
Dec. 31, 2024
USD ($)
N
Dec. 31, 2023
USD ($)
N
Dec. 31, 2022
USD ($)
Marketable Securities [Line Items]        
Proceeds from redemption of marketable equity securities $ 6,300 $ 6,237 $ 5,131
Marketable equity securities   397 196  
Securities fair value   $ 326,310 $ 324,807  
Gross realized losses on sales of securities available-for-sale       4
Proceeds from the sales of securities available-for-sale       $ 20
Available-for-sale, number of securities, fair value less than amortized cost | N   96 85  
Debt Securities, Held-to-Maturity, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]   Accrued interest receivable    
Accrued interest receivable on held-to-maturity securities   $ 430 $ 454  
Available-for-sale, gross unrealized loss   $ 31,200 $ 29,200  
Available-for-sale, depreciation from amortized cost basis (%)   16.20% 17.50%  
Held-to-maturity, gross unrealized loss   $ 39,400 $ 35,700  
Held-to-maturity, depreciation from amortized cost basis (%)   19.20% 16.00%  
Held-to-maturity, number of securities, fair value less than amortized cost | N   43 42  
Guaranteed by government agencies [Member]        
Marketable Securities [Line Items]        
Accrued interest receivable on available for sale securities   $ 472 $ 333  
Not guaranteed by government agencies [Member]        
Marketable Securities [Line Items]        
Accrued interest receivable on available for sale securities   $ 123 $ 178  
Corporate Bonds [Member] | External Credit Rating, Noninvestment Grade [Member]        
Marketable Securities [Line Items]        
Available-for-sale, number of securities, fair value less than amortized cost | N   1 2  
Asset Pledged as Collateral [Member] | Deposits [Member] | US Treasury Securities [Member]        
Marketable Securities [Line Items]        
Securities fair value   $ 4,700    
Asset Pledged as Collateral [Member] | Deposits [Member] | Government-sponsored enterprise obligations [Member]        
Marketable Securities [Line Items]        
Securities fair value   7,900    
Asset Pledged as Collateral [Member] | Deposits [Member] | Collateralized Mortgage-Backed Securities [Member]        
Marketable Securities [Line Items]        
Securities fair value   $ 157,400    
XML 78 R62.htm IDEA: XBRL DOCUMENT v3.25.0.1
The following table presents the summary of the loan portfolio by the major classification of the loan at the periods indicated: (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Financing Receivable, Past Due [Line Items]        
Total gross loans $ 2,067,438 $ 2,024,824    
Plus: Unearned premiums and deferred loan fees and costs, net 2,751 2,493    
Less: Allowance for credit losses (19,529) (20,267) $ (19,931) [1] $ (19,787)
Net loans 2,050,660 2,007,050    
Commercial Real Estate Non-owner Occupied [Member]        
Financing Receivable, Past Due [Line Items]        
Total gross loans 880,828 881,643    
Commercial Real Estate Owner Occupied [Member]        
Financing Receivable, Past Due [Line Items]        
Total gross loans 194,904 198,108    
Commercial Real Estate [Member]        
Financing Receivable, Past Due [Line Items]        
Total gross loans 1,075,732 1,079,751    
Less: Allowance for credit losses (13,677) (15,141) (12,199) (12,970)
Residential Mortgage [Member]        
Financing Receivable, Past Due [Line Items]        
Total gross loans 653,802 612,315    
Home Equity Line of Credit [Member]        
Financing Receivable, Past Due [Line Items]        
Total gross loans 121,857 109,839    
Residential Portfolio Segment [Member]        
Financing Receivable, Past Due [Line Items]        
Total gross loans 775,659 722,154    
Less: Allowance for credit losses (3,156) (2,548) (4,312) (3,964)
Commercial and Industrial Sector [Member]        
Financing Receivable, Past Due [Line Items]        
Total gross loans 211,656 217,447    
Less: Allowance for credit losses (2,477) (2,537) (3,160) (2,643)
Consumer Loan [Member]        
Financing Receivable, Past Due [Line Items]        
Total gross loans 4,391 5,472    
Less: Allowance for credit losses $ (219) $ (41) $ (245) $ (197)
[1] The decrease in non-interest income for the three months ended June 30, 2023 was due to a one-time, non-recurring final termination expense of $1.1 million resulting from the termination of the Company’s defined benefit pension plan.
XML 79 R63.htm IDEA: XBRL DOCUMENT v3.25.0.1
A summary of the activity in the balances of mortgage servicing rights follows: (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Receivables [Abstract]    
Balance at the beginning of year: $ 422 $ 550
Capitalized mortgage servicing rights 114
Amortization (100) (128)
Balance at the end of year 436 422
Fair value at the end of year $ 826 $ 724
XML 80 R64.htm IDEA: XBRL DOCUMENT v3.25.0.1
An analysis of changes in the allowance for credit losses for loans and off-balance sheet commitments by segment for the years ended December 31, 2024 and 2023 is as follows: (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses $ 20,267 $ 19,931 [1] $ 19,787
Provision for (reversal of) for credit losses (825) 1,193 700
Charge-offs (524) (2,510) (673)
Recoveries 611 471 117
Ending balance, allowance for credit losses 19,529 20,267 19,931 [1]
Allowance for credit losses for off-balance sheet exposures      
Beginning balance 597  
Provision (reversal) for credit losses 160 (321)  
Ending balance 757 597
Cumulative Effect, Period of Adoption, Adjustment [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses   1,182  
Ending balance, allowance for credit losses     1,182
Allowance for credit losses for off-balance sheet exposures      
Beginning balance   918  
Ending balance     918
Cumulative Effect, Period of Adoption, Adjusted Balance [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses   21,113  
Ending balance, allowance for credit losses     21,113
Commercial Real Estate [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses 15,141 12,199 12,970
Provision for (reversal of) for credit losses (1,670) (292) (434)
Charge-offs (46) (764) (337)
Recoveries 252 9
Ending balance, allowance for credit losses 13,677 15,141 12,199
Allowance for credit losses for off-balance sheet exposures      
Beginning balance 375  
Provision (reversal) for credit losses 81 (236)  
Ending balance 456 375
Commercial Real Estate [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses   3,989  
Ending balance, allowance for credit losses     3,989
Allowance for credit losses for off-balance sheet exposures      
Beginning balance   611  
Ending balance     611
Commercial Real Estate [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses   16,188  
Ending balance, allowance for credit losses     16,188
Residential Portfolio Segment [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses 2,548 4,312 3,964
Provision for (reversal of) for credit losses 761 728 344
Charge-offs (185) (28)
Recoveries 32 26 32
Ending balance, allowance for credit losses 3,156 2,548 4,312
Allowance for credit losses for off-balance sheet exposures      
Beginning balance 163  
Provision (reversal) for credit losses 93 (104)  
Ending balance 256 163
Residential Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses   (2,518)  
Ending balance, allowance for credit losses     (2,518)
Allowance for credit losses for off-balance sheet exposures      
Beginning balance   267  
Ending balance     267
Residential Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses   1,794  
Ending balance, allowance for credit losses     1,794
Commercial and Industrial Sector [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses 2,537 3,160 2,643
Provision for (reversal of) for credit losses (212) 665 586
Charge-offs (65) (1,561) (92)
Recoveries 217 348 23
Ending balance, allowance for credit losses 2,477 2,537 3,160
Allowance for credit losses for off-balance sheet exposures      
Beginning balance 59  
Provision (reversal) for credit losses (14) 19  
Ending balance 45 59
Commercial and Industrial Sector [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses   (75)  
Ending balance, allowance for credit losses     (75)
Allowance for credit losses for off-balance sheet exposures      
Beginning balance   40  
Ending balance     40
Commercial and Industrial Sector [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses   3,085  
Ending balance, allowance for credit losses     3,085
Consumer Loan [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses 41 245 197
Provision for (reversal of) for credit losses 296 92 202
Charge-offs (228) (185) (216)
Recoveries 110 88 62
Ending balance, allowance for credit losses 219 41 245
Allowance for credit losses for off-balance sheet exposures      
Beginning balance  
Provision (reversal) for credit losses  
Ending balance
Consumer Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses   (199)  
Ending balance, allowance for credit losses     (199)
Allowance for credit losses for off-balance sheet exposures      
Beginning balance    
Ending balance    
Consumer Loan [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses   46  
Ending balance, allowance for credit losses     46
Unallocated [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses 15 13
Provision for (reversal of) for credit losses 2
Charge-offs
Recoveries  
Ending balance, allowance for credit losses 15
Allowance for credit losses for off-balance sheet exposures      
Beginning balance  
Provision (reversal) for credit losses  
Ending balance
Unallocated [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses   (15)  
Ending balance, allowance for credit losses     (15)
Allowance for credit losses for off-balance sheet exposures      
Beginning balance    
Ending balance    
Unallocated [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]      
Allowance for credit losses for loans      
Beginning balance, allowance for credit losses    
Ending balance, allowance for credit losses    
[1] The decrease in non-interest income for the three months ended June 30, 2023 was due to a one-time, non-recurring final termination expense of $1.1 million resulting from the termination of the Company’s defined benefit pension plan.
XML 81 R65.htm IDEA: XBRL DOCUMENT v3.25.0.1
The following tables present an age analysis of past due loans as of the dates indicated: (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Financing Receivable, Past Due [Line Items]    
Total loans $ 2,067,438 $ 2,024,824
Non-Accrual Loans 5,381 6,421
Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 2,912 2,912
Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 782 1,693
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 1,301 1,394
Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 4,995 5,999
Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 2,062,443 2,018,825
Non Owner Occupied [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 880,828  
Non-Accrual Loans 1,107
Non Owner Occupied [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 285  
Non Owner Occupied [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans  
Non Owner Occupied [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans  
Non Owner Occupied [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 285  
Non Owner Occupied [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 880,543  
Owner Occupied [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 194,904  
Non-Accrual Loans 330 240
Owner Occupied [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans  
Owner Occupied [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans  
Owner Occupied [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans  
Owner Occupied [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans  
Owner Occupied [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 194,904  
Commercial Real Estate [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 1,075,732 1,079,751
Non-Accrual Loans 330 1,347
Commercial Real Estate [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 285 272
Commercial Real Estate [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 647
Commercial Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 403
Commercial Real Estate [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 285 1,322
Commercial Real Estate [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 1,075,447 1,078,429
Residential Mortgage [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 653,802 612,315
Non-Accrual Loans 3,965 4,739
Residential Mortgage [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 1,747 2,354
Residential Mortgage [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 569 934
Residential Mortgage [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 983 881
Residential Mortgage [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 3,299 4,169
Residential Mortgage [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 650,503 608,146
Home Equity Line of Credit [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 121,857 109,839
Non-Accrual Loans 408 109
Home Equity Line of Credit [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 810 263
Home Equity Line of Credit [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 213 112
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 317 102
Home Equity Line of Credit [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 1,340 477
Home Equity Line of Credit [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 120,517 109,362
Residential Portfolio Segment [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 775,659 722,154
Non-Accrual Loans 4,373 4,848
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 2,557 2,617
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 782 1,046
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 1,300 983
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 4,639 4,646
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 771,020 717,508
Commercial and Industrial Sector [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 211,656 217,447
Non-Accrual Loans 673 218
Commercial and Industrial Sector [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 60 20
Commercial and Industrial Sector [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans
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 1 8
Commercial and Industrial Sector [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 61 28
Commercial and Industrial Sector [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 211,595 217,419
Consumer Loan [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 4,391 5,472
Non-Accrual Loans 5 8
Consumer Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 10 3
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 10 3
Consumer Loan [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 4,381 5,469
Commercial Real Estate Non-owner Occupied [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 880,828 881,643
Non-Accrual Loans   1,107
Commercial Real Estate Non-owner Occupied [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans  
Commercial Real Estate Non-owner Occupied [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans   647
Commercial Real Estate Non-owner Occupied [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans   236
Commercial Real Estate Non-owner Occupied [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans   883
Commercial Real Estate Non-owner Occupied [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans   880,760
Commercial Real Estate Owner Occupied [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans $ 194,904 198,108
Non-Accrual Loans   240
Commercial Real Estate Owner Occupied [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans   272
Commercial Real Estate Owner Occupied [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans  
Commercial Real Estate Owner Occupied [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans   167
Commercial Real Estate Owner Occupied [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans   439
Commercial Real Estate Owner Occupied [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans   $ 197,669
XML 82 R66.htm IDEA: XBRL DOCUMENT v3.25.0.1
The following table is a summary of the Company’s nonperforming loans by major categories at December 31, 2024 and December 31, 2023: (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Financing Receivable, Past Due [Line Items]    
Financing Receivable, Nonaccrual, With Allowance
Financing Receivable, Nonaccrual, No Allowance 5,381 6,421
Financing Receivable, Nonaccrual 5,381 6,421
Accrued Interest Receivable Reversed from Income 373 418
Non Owner Occupied [Member]    
Financing Receivable, Past Due [Line Items]    
Financing Receivable, Nonaccrual, With Allowance
Financing Receivable, Nonaccrual, No Allowance 1,107
Financing Receivable, Nonaccrual 1,107
Accrued Interest Receivable Reversed from Income 44
Owner Occupied [Member]    
Financing Receivable, Past Due [Line Items]    
Financing Receivable, Nonaccrual, With Allowance
Financing Receivable, Nonaccrual, No Allowance 330 240
Financing Receivable, Nonaccrual 330 240
Accrued Interest Receivable Reversed from Income 23
Commercial Real Estate [Member]    
Financing Receivable, Past Due [Line Items]    
Financing Receivable, Nonaccrual, With Allowance
Financing Receivable, Nonaccrual, No Allowance 330 1,347
Financing Receivable, Nonaccrual 330 1,347
Accrued Interest Receivable Reversed from Income 67
Residential Mortgage [Member]    
Financing Receivable, Past Due [Line Items]    
Financing Receivable, Nonaccrual, With Allowance
Financing Receivable, Nonaccrual, No Allowance 3,965 4,739
Financing Receivable, Nonaccrual 3,965 4,739
Accrued Interest Receivable Reversed from Income 192 182
Home Equity Line of Credit [Member]    
Financing Receivable, Past Due [Line Items]    
Financing Receivable, Nonaccrual, With Allowance
Financing Receivable, Nonaccrual, No Allowance 408 109
Financing Receivable, Nonaccrual 408 109
Accrued Interest Receivable Reversed from Income 30 10
Residential Real Estate [Member]    
Financing Receivable, Past Due [Line Items]    
Financing Receivable, Nonaccrual, No Allowance 4,373 4,848
Financing Receivable, Nonaccrual 4,373 4,848
Accrued Interest Receivable Reversed from Income 222 192
Commercial and Industrial Sector [Member]    
Financing Receivable, Past Due [Line Items]    
Financing Receivable, Nonaccrual, With Allowance
Financing Receivable, Nonaccrual, No Allowance 673 218
Financing Receivable, Nonaccrual 673 218
Accrued Interest Receivable Reversed from Income 151 159
Consumer Loan [Member]    
Financing Receivable, Past Due [Line Items]    
Financing Receivable, Nonaccrual, With Allowance
Financing Receivable, Nonaccrual, No Allowance 5 8
Financing Receivable, Nonaccrual 5 8
Accrued Interest Receivable Reversed from Income
XML 83 R67.htm IDEA: XBRL DOCUMENT v3.25.0.1
The following table summarizes the Company’s individually evaluated collateral dependent loans by class as of the dates indicated: (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]    
Individually evaluated loans, recorded investment $ 14,252 $ 29,718
Loans with an allowance recorded, related allowance 156 179
With no related allowance recorded [Member]    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Individually evaluated loans, recorded investment 13,758 29,201
With no related allowance recorded [Member] | Non Owner Occupied [Member]    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Individually evaluated loans, recorded investment 6,956 8,879
With no related allowance recorded [Member] | Owner Occupied [Member]    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Individually evaluated loans, recorded investment 1,285 1,769
With no related allowance recorded [Member] | Commercial Real Estate [Member]    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Individually evaluated loans, recorded investment 8,241 10,648
With no related allowance recorded [Member] | Residential Mortgage [Member]    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Individually evaluated loans, recorded investment 4,333 5,163
With no related allowance recorded [Member] | Home Equity Line of Credit [Member]    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Individually evaluated loans, recorded investment 408 109
With no related allowance recorded [Member] | Residential Real Estate [Member]    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Individually evaluated loans, recorded investment 4,741 5,272
With no related allowance recorded [Member] | Commercial and Industrial Sector [Member]    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Individually evaluated loans, recorded investment 776 13,273
With no related allowance recorded [Member] | Consumer Loan [Member]    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Individually evaluated loans, recorded investment 8
With an allowance recorded [Member]    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Individually evaluated loans, recorded investment 494 517
Loans with an allowance recorded, related allowance 156 179
With an allowance recorded [Member] | Commercial and Industrial Sector [Member]    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Individually evaluated loans, recorded investment 494 517
Loans with an allowance recorded, related allowance $ 156 $ 179
XML 84 R68.htm IDEA: XBRL DOCUMENT v3.25.0.1
The following tables summarize the amortized cost basis by aggregate Pass and criticized categories of Special Mention and Substandard within the Company’s internal risk rating system by year of origination as of December 31, 2024 and 2023. (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process $ 2,067,438 $ 2,024,824  
Current period gross charge-offs 524 2,510 $ 673
Commercial Real Estate [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 51,726 42,764  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 46,105 175,829  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 175,159 228,739  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 237,531 121,824  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 116,331 92,268  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 361,272 327,391  
Financing Receivable, Excluding Accrued Interest, Revolving 84,217 81,647  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 3,391 9,289  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 1,075,732 1,079,751  
Current period gross charge-offs, Prior 46 764  
Current period gross charge-offs 46 764 337
Commercial Real Estate [Member] | Performing Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 51,726 42,764  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 46,105 175,829  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 175,159 228,739  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 237,531 121,824  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 116,331 92,268  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 360,942 326,044  
Financing Receivable, Excluding Accrued Interest, Revolving 84,217 81,647  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 3,391 9,289  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 1,075,402 1,078,404  
Commercial Real Estate [Member] | Nonperforming Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 330 1,347  
Financing Receivable, Excluding Accrued Interest, Revolving  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 330 1,347  
Commercial Real Estate [Member] | Pass (Rated 1 - 4) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 51,726 42,764  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 46,105 175,829  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 175,159 228,739  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 237,531 113,631  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 108,165 91,353  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 348,564 320,806  
Financing Receivable, Excluding Accrued Interest, Revolving 84,083 81,483  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 3,391 9,289  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 1,054,724 1,063,894  
Commercial Real Estate [Member] | Special Mention (Rated 5) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 180  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 915  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 10,104 3,237  
Financing Receivable, Excluding Accrued Interest, Revolving 134 164  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 10,238 4,496  
Commercial Real Estate [Member] | Substandard (Rated 6) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 8,013  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 8,166  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 2,604 3,348  
Financing Receivable, Excluding Accrued Interest, Revolving  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 10,770 11,361  
Residential Mortgage [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 79,180 59,257  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 60,825 88,660  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 88,060 94,785  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 89,116 126,362  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 119,682 54,263  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 209,118 178,587  
Financing Receivable, Excluding Accrued Interest, Revolving 7,821 10,401  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 653,802 612,315  
Current period gross charge-offs, Prior 59    
Current period gross charge-offs 59    
Residential Mortgage [Member] | Performing Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 79,180 59,257  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 60,825 88,213  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 87,635 94,290  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 88,761 125,540  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 119,302 54,263  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 206,313 175,612  
Financing Receivable, Excluding Accrued Interest, Revolving 7,821 10,401  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 649,837 607,576  
Residential Mortgage [Member] | Nonperforming Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 447  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 425 495  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 355 822  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 380  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 2,805 2,975  
Financing Receivable, Excluding Accrued Interest, Revolving  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 3,965 4,739  
Residential Mortgage [Member] | Pass (Rated 1 - 4) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 79,180 59,257  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 60,825 88,213  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 87,635 94,290  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 88,761 125,917  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 119,302 54,263  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 205,620 174,688  
Financing Receivable, Excluding Accrued Interest, Revolving 7,821 10,401  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 649,144 607,029  
Residential Mortgage [Member] | Substandard (Rated 6) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 447  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 425 495  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 355 445  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 380  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 3,498 3,899  
Financing Receivable, Excluding Accrued Interest, Revolving  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 4,658 5,286  
Home Equity Line of Credit [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 9,522 9,937  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 8,699 10,885  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 9,266 6,861  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 5,801 7,108  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 6,264 5,234  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 9,998 7,268  
Financing Receivable, Excluding Accrued Interest, Revolving 69,237 60,205  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 3,070 2,341  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 121,857 109,839  
Home Equity Line of Credit [Member] | Performing Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 9,509 9,937  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 8,699 10,885  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 9,196 6,861  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 5,801 7,108  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 6,264 5,234  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 9,998 7,261  
Financing Receivable, Excluding Accrued Interest, Revolving 68,920 60,115  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 3,062 2,329  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 121,449 109,730  
Home Equity Line of Credit [Member] | Nonperforming Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 13  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 70  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 7  
Financing Receivable, Excluding Accrued Interest, Revolving 317 90  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 8 12  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 408 109  
Home Equity Line of Credit [Member] | Pass (Rated 1 - 4) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 9,509 9,937  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 8,699 10,885  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 9,196 6,861  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 5,801 7,108  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 6,264 5,234  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 9,998 7,261  
Financing Receivable, Excluding Accrued Interest, Revolving 68,920 60,115  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 3,062 2,329  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 121,449 109,730  
Home Equity Line of Credit [Member] | Substandard (Rated 6) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 13  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 70  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 7  
Financing Receivable, Excluding Accrued Interest, Revolving 317 90  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 8 12  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 408 109  
Commercial and Industrial Sector [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 29,346 31,108  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 24,993 35,806  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 28,199 27,961  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 27,496 27,936  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 15,235 19,773  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 23,992 9,408  
Financing Receivable, Excluding Accrued Interest, Revolving 62,331 65,386  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 64 69  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 211,656 217,447  
Current period gross charge-offs, 2022   147  
Current period gross charge-offs, Prior 56 221  
Current period gross charge-offs, Revolving Loans Converted to Term Loans 9 1,193  
Current period gross charge-offs 65 1,561 92
Commercial and Industrial Sector [Member] | Performing Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 29,346 31,108  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 24,993 35,806  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 28,199 27,961  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 27,496 27,936  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 15,235 19,773  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 23,468 9,401  
Financing Receivable, Excluding Accrued Interest, Revolving 62,182 65,175  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 64 69  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 210,983 217,229  
Commercial and Industrial Sector [Member] | Nonperforming Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 524 7  
Financing Receivable, Excluding Accrued Interest, Revolving 149 211  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 673 218  
Commercial and Industrial Sector [Member] | Pass (Rated 1 - 4) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 29,346 31,108  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 19,096 35,705  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 27,609 26,553  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 27,371 19,780  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 14,859 19,765  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 22,117 8,825  
Financing Receivable, Excluding Accrued Interest, Revolving 58,852 57,393  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan 64 69  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 199,314 199,198  
Commercial and Industrial Sector [Member] | Special Mention (Rated 5) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 25 101  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 590  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 125  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 8  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 328 498  
Financing Receivable, Excluding Accrued Interest, Revolving 99 707  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 1,167 1,314  
Commercial and Industrial Sector [Member] | Substandard (Rated 6) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 5,872  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 1,408  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 8,156  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 376  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 1,547 85  
Financing Receivable, Excluding Accrued Interest, Revolving 3,380 7,286  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 11,175 16,935  
Consumer Loan [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 839 2,168  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 1,421 1,381  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 842 524  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 271 241  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 45 68  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 150 278  
Financing Receivable, Excluding Accrued Interest, Revolving 823 812  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 4,391 5,472  
Current period gross charge-offs, Revolving Loans   3  
Current period gross charge-offs, Revolving Loans Converted to Term Loans 228 182  
Current period gross charge-offs 228 185 $ 216
Consumer Loan [Member] | Performing Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 839 2,168  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 1,421 1,381  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 842 524  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 271 241  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 45 68  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 145 271  
Financing Receivable, Excluding Accrued Interest, Revolving 823 811  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 4,386 5,464  
Consumer Loan [Member] | Nonperforming Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 5 7  
Financing Receivable, Excluding Accrued Interest, Revolving 1  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 5 8  
Consumer Loan [Member] | Pass (Rated 1 - 4) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 839 2,168  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 1,421 1,381  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 842 524  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 271 241  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 45 68  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 145 270  
Financing Receivable, Excluding Accrued Interest, Revolving 823 812  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process 4,386 5,464  
Consumer Loan [Member] | Substandard (Rated 6) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 5 8  
Financing Receivable, Excluding Accrued Interest, Revolving  
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan  
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process $ 5 $ 8  
XML 85 R69.htm IDEA: XBRL DOCUMENT v3.25.0.1
The following table summarizes information about total loans rated Special Mention, Substandard, Doubtful or Loss for the periods noted. (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]    
Total loans $ 2,067,438 $ 2,024,824
Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total loans 11,405 5,810
Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total loans 27,016 33,699
Criticized [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total loans $ 38,421 $ 39,509
Total criticized loans as a percentage of total loans 1.90% 1.90%
XML 86 R70.htm IDEA: XBRL DOCUMENT v3.25.0.1
LOANS AND ALLOWANCE FOR CREDIT LOSSES (Details Narrative)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2024
USD ($)
Sep. 30, 2024
USD ($)
Jun. 30, 2024
USD ($)
Mar. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Sep. 30, 2023
USD ($)
Jun. 30, 2023
USD ($)
Mar. 31, 2023
USD ($)
Dec. 31, 2024
USD ($)
$ / Loan
Dec. 31, 2023
USD ($)
Dec. 31, 2022
USD ($)
Financing Receivable, Past Due [Line Items]                      
Total Loans $ 2,070,189       $ 2,027,317       $ 2,070,189 $ 2,027,317  
FHLB advances 98,000       40,600       98,000 40,600  
Serviced commercial loans for participants 65,300       65,000       $ 65,300 65,000  
Weighted average prepayment speed, PSA                 141.00%    
Weighted average internal rate of return                 10.01%    
Weighted average servicing fee percentage                 0.25%    
Net cost to service loans | $ / Loan                 83.31    
Sale of residential real estate mortgages                 $ 20,100    
Gains on the sale of mortgages (11) $ 246         235 $ 2
Mortgage loans serviced for others $ 84,800       72,700       84,800 72,700  
Servicing fee income                 $ 189 191  
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration] Accrued interest receivable               Accrued interest receivable    
Accrued interest receivable on loans held for investment $ 7,400       7,500       $ 7,400 7,500  
(Reversal of) provision for credit losses (762) $ 941 $ (294) $ (550) 486 $ 354 $ 420 $ (388) (665) 872 700
(Reversal of) provision for loan losses                 (825) 1,193 $ 700
(Reversal of) reserves on unfunded loan commitments                 160 (321)  
Total loans $ 2,067,438       $ 2,024,824       $ 2,067,438 $ 2,024,824  
Total past due, percentage of total loans 0.24%       0.30%       0.24% 0.30%  
Nonaccrual loans $ 5,381       $ 6,421       $ 5,381 $ 6,421  
Nonaccrual loans, percentage of total loans 0.26%       0.32%       0.26% 0.32%  
Individually evaluated loans $ 14,252       $ 29,718       $ 14,252 $ 29,718  
Commercial Loan [Member]                      
Financing Receivable, Past Due [Line Items]                      
Individually evaluated loans 1,300               1,300    
Real Estate Loan [Member]                      
Financing Receivable, Past Due [Line Items]                      
Individually evaluated loans 13,000               13,000    
Financial Asset, Past Due [Member]                      
Financing Receivable, Past Due [Line Items]                      
Total loans 4,995       5,999       4,995 5,999  
Asset Pledged as Collateral [Member] | Federal Home Loan Bank Advances [Member]                      
Financing Receivable, Past Due [Line Items]                      
Total Loans 906,000       $ 941,200       906,000 $ 941,200  
Asset Pledged as Collateral [Member] | Federal Reserve Bank Advances [Member]                      
Financing Receivable, Past Due [Line Items]                      
Total Loans $ 377,000               $ 377,000    
XML 87 R71.htm IDEA: XBRL DOCUMENT v3.25.0.1
Premises and equipment are summarized as follows: (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Property, Plant and Equipment [Line Items]    
Total $ 62,326 $ 61,210
Less: accumulated depreciation and amortization (37,905) (35,635)
Premises and equipment, net 24,421 25,575
Land [Member]    
Property, Plant and Equipment [Line Items]    
Total 6,239 6,239
Building [Member]    
Property, Plant and Equipment [Line Items]    
Total 28,451 28,231
Leasehold Improvements [Member]    
Property, Plant and Equipment [Line Items]    
Total 3,472 3,472
Furniture and Equipment [Member]    
Property, Plant and Equipment [Line Items]    
Total $ 24,164 $ 23,268
XML 88 R72.htm IDEA: XBRL DOCUMENT v3.25.0.1
PREMISES AND EQUIPMENT (Details Narrative) - USD ($)
$ in Millions
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Property, Plant and Equipment [Abstract]      
Depreciation and amortization expense $ 2.2 $ 2.2 $ 2.3
XML 89 R73.htm IDEA: XBRL DOCUMENT v3.25.0.1
GOODWILL AND OTHER INTANGIBLES (Details Narrative) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Finite-Lived Intangible Assets [Line Items]      
Goodwill $ 12,487 $ 12,487  
Amortization of core deposit intangible 375 $ 375 $ 375
Core Deposits [Member]      
Finite-Lived Intangible Assets [Line Items]      
Acquired core deposit intangible 4,500    
Future amortization of core deposit intangible assets years 1-5 375    
Future amortization of core deposit intangible assets thereafter $ 313    
XML 90 R74.htm IDEA: XBRL DOCUMENT v3.25.0.1
Deposit accounts, by type, are summarized as follows for the periods indicated: (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Demand and interest-bearing checking:    
Interest-bearing checking accounts $ 150,348 $ 131,031
Interest-bearing checking accounts percentage 6.70% 6.10%
Demand deposit accounts $ 565,620 $ 579,595
Demand deposit accounts percentage 25.00% 27.00%
Savings:    
Regular savings accounts $ 181,618 $ 187,405
Regular savings accounts percentage 8.00% 8.80%
Money market accounts $ 661,478 $ 634,361
Money market accounts percentage 29.20% 29.60%
Total core deposits $ 1,559,064 $ 1,532,392
Total core deposits percentage 68.90% 71.50%
Time deposits $ 703,583 $ 611,352
Time deposits percentage 31.10% 28.50%
Total deposits $ 2,262,647 $ 2,143,744
Total deposits percentage 100.00% 100.00%
XML 91 R75.htm IDEA: XBRL DOCUMENT v3.25.0.1
The scheduled maturities of time deposits for the periods indicated are as follows: (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Deposit Assets [Abstract]    
2024 $ 596,292
2025 694,916 9,302
2026 5,186 3,170
2027 1,217 798
2028 2,129 1,790
2029 135
Total time deposits $ 703,583 $ 611,352
XML 92 R76.htm IDEA: XBRL DOCUMENT v3.25.0.1
Interest expense on deposits for the years ended December 31, 2024, 2023 and 2022 is summarized as follows: (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Deposit Assets [Abstract]      
Savings accounts $ 166 $ 181 $ 161
Money market accounts 12,242 9,529 3,187
Time deposits 28,806 15,898 1,474
Interest-bearing accounts 1,022 1,041 530
Total $ 42,236 $ 26,649 $ 5,352
XML 93 R77.htm IDEA: XBRL DOCUMENT v3.25.0.1
DEPOSITS (Details Narrative) - USD ($)
$ in Millions
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Deposit Assets [Abstract]      
Brokered deposits $ 1.7 $ 1.7  
Time deposits $250,000 or more 234.4    
Interest expense on time deposits 250000 or more 9.1 5.6  
Cash paid for interest on deposits $ 42.2 $ 26.4 $ 5.3
XML 94 R78.htm IDEA: XBRL DOCUMENT v3.25.0.1
SHORT-TERM BORROWINGS (Details Narrative) - USD ($)
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2022
Dec. 31, 2023
Short-Term Debt [Line Items]      
Short term borrowings $ 5,390,000   $ 16,100,000
Other Borrowings 5,400,000   6,100,000
Short-Term Debt [Member]      
Short-Term Debt [Line Items]      
Cash paid for interest 600,000 $ 1,600,000  
Line of Credit [Member]      
Short-Term Debt [Line Items]      
Line of credit available 9,500,000   9,500,000
FRB Discount Window [Member]      
Short-Term Debt [Line Items]      
Line of credit available 382,900,000   48,600,000
Correspondent Banks [Member]      
Short-Term Debt [Line Items]      
Line of credit available 15,000,000.0   15,000,000.0
Bank [Member]      
Short-Term Debt [Line Items]      
Line of credit available 10,000,000.0   10,000,000.0
Federal Home Loan Bank Borrowings [Member]      
Short-Term Debt [Line Items]      
Short term borrowings     $ 10,000,000
Weighted average rate     5.56%
Borrowing capacity $ 464,100,000    
Other Borrowings [Member]      
Short-Term Debt [Line Items]      
Debt, Weighted Average Interest Rate 4.33%   5.33%
Asset Pledged as Collateral [Member] | Federal Home Loan Bank Advances [Member]      
Short-Term Debt [Line Items]      
Pledged collateral $ 906,000,000    
XML 95 R79.htm IDEA: XBRL DOCUMENT v3.25.0.1
The following advances are collateralized by a blanket lien on our residential real estate loans and certain eligible commercial real estate loans. (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Debt Disclosure [Abstract]    
2024 $ 30,646
Weighted Average Rate, 2024 4.81%
2025 $ 25,000
Weighted Average Rate, 2025 5.07%
2026 $ 48,000
Weighted Average Rate, 2026 5.00%
2027 $ 25,000
Weighted Average Rate, 2027 4.83%
Total long-term advances $ 98,000 $ 30,646
Weighted average rate 4.97% 4.81%
XML 96 R80.htm IDEA: XBRL DOCUMENT v3.25.0.1
LONG-TERM DEBT (Details Narrative) - USD ($)
$ in Thousands
 1 Months Ended 12 Months Ended
May 31, 2024
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Apr. 20, 2021
Debt Instrument [Line Items]          
Subordinated debt   $ 19,751 $ 19,712    
Amortization of issuance costs   39 39 $ 40  
Subordinated Debt [Member]          
Debt Instrument [Line Items]          
Principal amount         $ 20,000
Subordinated debt   $ 19,800      
Maturity Date   May 01, 2031      
Earliest redemption date   May 01, 2026      
Issuance costs   $ 249      
Amortization of issuance costs   $ 39 39    
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%      
BTFP Advances [Member]          
Debt Instrument [Line Items]          
Cash paid for interest $ 4,300        
Long-term debt     90,000    
Long-Term Debt [Member]          
Debt Instrument [Line Items]          
Cash paid for interest   $ 9,600 $ 2,100    
XML 97 R81.htm IDEA: XBRL DOCUMENT v3.25.0.1
The Threshold, Target and Stretch metrics under the 2021 LTI Plan are as follows: (Details) - LTI Plan for 2021 [Member]
 12 Months Ended
Dec. 31, 2021
$ / 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 EPS $ 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 EPS $ 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 EPS $ 2.36
Actual [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2021 10.64%
December 31, 2022 11.85%
December 31, 2023 6.47%
Three-Year Cumulative Diluted EPS $ 2.90
XML 98 R82.htm IDEA: XBRL DOCUMENT v3.25.0.1
The Threshold, Target and Stretch metrics under the 2022 LTI Plan are as follows: (Details) - LTI Plan for 2022 [Member]
 12 Months Ended
Dec. 31, 2022
$ / 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 EPS $ 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 EPS $ 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 EPS $ 2.85
XML 99 R83.htm IDEA: XBRL DOCUMENT v3.25.0.1
The Threshold, Target and Stretch metrics under the 2023 LTI Plan are as follows: (Details) - LTI Plan for 2023 [Member]
 12 Months Ended
Dec. 31, 2023
$ / 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 EPS $ 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 EPS $ 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 EPS $ 2.89
XML 100 R84.htm IDEA: XBRL DOCUMENT v3.25.0.1
The Threshold, Target and Stretch metrics under the 2024 LTI Plan are as follows: (Details) - LTI Plan for 2024 [Member]
 12 Months Ended
Dec. 31, 2024
$ / shares
Threshold [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2024 5.05%
December 31, 2025 6.18%
December 31, 2026 7.30%
Three-Year Cumulative Diluted EPS $ 2.25
Target [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2024 5.61%
December 31, 2025 6.86%
December 31, 2026 8.11%
Three-Year Cumulative Diluted EPS $ 2.50
Stretch [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2024 6.17%
December 31, 2025 7.55%
December 31, 2026 8.92%
Three-Year Cumulative Diluted EPS $ 2.75
XML 101 R85.htm IDEA: XBRL DOCUMENT v3.25.0.1
A summary of the status of unvested restricted stock awards at December 31, 2024 and 2023 is presented below: (Details) - Restricted Stock [Member] - $ / shares
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]    
Beginning balance 220,635 206,092
Beginning balance $ 9.29 $ 8.85
Shares granted 187,049 158,957
Shares granted $ 8.38 $ 9.79
Shares forfeited (2,384) (4,219)
Shares forfeited $ 8.39 $ 9.57
Shares vested (150,568) (140,195)
Shares vested $ 8.65 $ 9.21
Ending balance 254,732 220,635
Ending balance $ 9.01 $ 9.29
XML 102 R86.htm IDEA: XBRL DOCUMENT v3.25.0.1
At December 31, 2024, the remaining principal balances are payable as follows: (Details) - Loan to Employee Stock Ownership Plan Trust [Member]
$ in Thousands
Dec. 31, 2024
USD ($)
Short-Term Debt [Line Items]  
2024 $ 447
2025 447
2026 447
2027 447
2028 447
Thereafter 182
Total $ 2,417
XML 103 R87.htm IDEA: XBRL DOCUMENT v3.25.0.1
Shares held by the ESOP include the following at December 31, 2024 and 2023: (Details) - shares
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Share-Based Payment Arrangement [Abstract]      
Allocated 1,182,583 1,176,311  
Committed to be allocated 71,240 74,993 78,526
Unallocated 220,254 291,494  
Total 1,474,077 1,542,798  
XML 104 R88.htm IDEA: XBRL DOCUMENT v3.25.0.1
STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN (Details Narrative)
$ in Thousands
 1 Months Ended 3 Months Ended 12 Months Ended
Mar. 31, 2024
shares
Mar. 31, 2023
shares
Mar. 31, 2022
shares
May 31, 2021
shares
Jan. 31, 2007
shares
Jan. 31, 2002
N
shares
Mar. 31, 2024
shares
Dec. 31, 2024
USD ($)
shares
Dec. 31, 2023
USD ($)
shares
Dec. 31, 2022
USD ($)
shares
May 14, 2021
shares
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Restricted stock expense | $               $ 1,500 $ 1,400 $ 1,100  
Tax benefits | $               29 29 16  
Unrecognized compensation cost for stock awards | $               $ 1,000      
Unrecognized compensation cost remaining term               1 year 9 months 18 days      
Employee age required to qualify for ESOP benefit | N           21          
Minimum working hours needed for eligibility | N           1,000          
Purchase of common stock by ESOP Trust of IPO, percent         4.00% 8.00%          
Purchase of common stock by ESOP Trust of IPO         736,000 1,305,359          
Number of shares sold In IPO         18,400,000            
Total ESOP compensation expense | $               $ 572 562 $ 683  
Fair value of unallocated shares | $               $ 2,000 $ 2,600    
Loan to Employee Stock Ownership Plan Trust [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Interest rate               8.00%      
LTI Plan for 2021 [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Shares granted       122,362              
Shares available for grant 123,587           123,587        
LTI Plan for 2022 [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Shares granted     119,376                
LTI Plan for 2023 [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Shares granted   120,998                  
LTI Plan for 2024 [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Shares granted 146,422                    
2014 RSA Plan [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Shares authorized                     700,000
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 2021 [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Shares granted       61,181              
Vesting percentage       50.00%              
Time Based 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%                
Time Based 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%                  
Time Based Shares [Member] | LTI Plan for 2024 [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Vesting period 3 years                    
Shares granted 73,211                    
Vesting percentage 50.00%                    
Time Based Shares [Member] | Share-Based Payment Arrangement, Nonemployee [Member] | LTI Plan for 2021 [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Shares granted per director 2,384 2,022 1,975                
Shares granted and fully vested               19,072 18,198 17,775  
Performance Shares [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Shares granted             69,376        
Performance Shares [Member] | LTI Plan for 2021 [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Shares granted       61,181              
Vesting percentage       50.00%              
Performance Shares [Member] | LTI Plan for 2021 [Member] | Threshold [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Target value percentage paid       50.00%              
Performance Shares [Member] | LTI Plan for 2021 [Member] | Stretch [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Target value percentage paid       150.00%              
Performance Shares [Member] | LTI Plan for 2022 [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Shares granted     59,688                
Vesting percentage     50.00%                
Performance Shares [Member] | LTI Plan for 2022 [Member] | Threshold [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Target value percentage paid     50.00%                
Performance Shares [Member] | LTI Plan for 2022 [Member] | Stretch [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Target value percentage paid     150.00%                
Performance Shares [Member] | LTI Plan for 2023 [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Shares granted   60,499                  
Vesting percentage   50.00%                  
Performance Shares [Member] | LTI Plan for 2023 [Member] | Threshold [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Target value percentage paid   50.00%                  
Performance Shares [Member] | LTI Plan for 2023 [Member] | Stretch [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Target value percentage paid   150.00%                  
Performance Shares [Member] | LTI Plan for 2024 [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Shares granted 73,211                    
Vesting percentage 50.00%                    
Performance Shares [Member] | LTI Plan for 2024 [Member] | Threshold [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Target value percentage paid 50.00%                    
Performance Shares [Member] | LTI Plan for 2024 [Member] | Stretch [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Target value percentage paid 150.00%                    
Restricted Stock [Member]                      
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]                      
Shares granted               187,049 158,957    
Fair value of restricted stock vested | $               $ 1,300      
XML 105 R89.htm IDEA: XBRL DOCUMENT v3.25.0.1
The following table provides information related to the DB Plan for the year ended December 31, 2023: (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2023
USD ($)
Change in benefit obligation:  
Benefit obligation at beginning of year $ 24,612
Service cost
Interest 487
Actuarial gain (33)
Effect of settlement/curtailment (24,886)
Benefits paid (180)
Benefit obligation at end of year
Change in plan assets:  
Fair value of plan assets at beginning of year 23,134
Actual return on plan assets 671
Employer contribution 1,261
Benefits paid (180)
Effect of settlement (24,886)
Fair value of plan assets at end of year
Funded status and accrued benefit at end of year
Accumulated benefit obligation at end of year
XML 106 R90.htm IDEA: XBRL DOCUMENT v3.25.0.1
Net pension cost includes the following components for the year ended December 31, 2023: (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Retirement Benefits [Abstract]    
Service cost  
Interest cost   487
Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Interest Cost, Statement of Income or Comprehensive Income Extensible Enumeration Not Disclosed true  
Expected return on assets   (333)
Defined Benefit Plan, Net Periodic Benefit (Cost) Credit, Expected Return (Loss), Statement of Income or Comprehensive Income Extensible Enumeration Not Disclosed true  
Amortization of actuarial loss  
Net periodic pension cost   $ 154
XML 107 R91.htm IDEA: XBRL DOCUMENT v3.25.0.1
The following actuarial assumptions were used in determining the net periodic pension cost for the year ended December 31, 2023: (Details)
 12 Months Ended
Dec. 31, 2023
Retirement Benefits [Abstract]  
Discount rate 5.05%
Expected return on plan assets 3.70%
XML 108 R92.htm IDEA: XBRL DOCUMENT v3.25.0.1
RETIREMENT PLANS AND EMPLOYEE BENEFITS (Details Narrative) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2023
Sep. 30, 2023
 [1]
Jun. 30, 2023
 [1]
Mar. 31, 2023
 [1]
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Defined Benefit Plan Disclosure [Line Items]              
(Loss) gain on defined benefit plan curtailment [1] $ (1,143) $ (1,143) $ 2,807
Discount rate 5.05%         5.05%  
401 (k) [Member]              
Defined Benefit Plan Disclosure [Line Items]              
Employer matching contribution for the first 6% of each participant's annual earnings         100.00%    
Maximum percentage of participant's annual earnings subject to match by employer for 401(K) plan         4.00%    
Employer contribution to plan         $ 773 $ 736 $ 470
Discretionary profit share contribution         $ 598 $ 675  
Rate 1 [Member]              
Defined Benefit Plan Disclosure [Line Items]              
Discount rate 4.48%         4.48%  
Rate 2 [Member]              
Defined Benefit Plan Disclosure [Line Items]              
Discount rate 5.26%         5.26%  
Rate 3 [Member]              
Defined Benefit Plan Disclosure [Line Items]              
Discount rate 5.07%         5.07%  
[1] The decrease in non-interest income for the three months ended June 30, 2023 was due to a one-time, non-recurring final termination expense of $1.1 million resulting from the termination of the Company’s defined benefit pension plan.
XML 109 R93.htm IDEA: XBRL DOCUMENT v3.25.0.1
As of December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges: (Details)
$ in Thousands
Dec. 31, 2023
USD ($)
Derivative [Line Items]  
Hedged Asset, Statement of Financial Position [Extensible Enumeration] Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss
Carrying Amount of Hedged Assets/(Liabilities) $ 199,393
Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities) (607)
Loans [Member]  
Derivative [Line Items]  
Carrying Amount of Hedged Assets/(Liabilities) 199,393
Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities) $ (607)
XML 110 R94.htm IDEA: XBRL DOCUMENT v3.25.0.1
The tables below present 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 December 31, 2024 and December 31, 2023. (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Derivative Instruments, Gain (Loss) [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
Not Designated as Hedging Instrument [Member]    
Derivative Instruments, Gain (Loss) [Line Items]    
Fair value of derivative assets $ 5,883 $ 5,890
Fair value of derivative liability 5,883 5,239
Not Designated as Hedging Instrument [Member] | Interest Rate Swap [Member] | Customer counterparties [Member]    
Derivative Instruments, Gain (Loss) [Line Items]    
Fair value of derivative assets
Fair value of derivative liability 5,883 5,239
Not Designated as Hedging Instrument [Member] | Interest Rate Swap [Member] | Dealer counterparties [Member]    
Derivative Instruments, Gain (Loss) [Line Items]    
Fair value of derivative assets 5,883 5,239
Fair value of derivative liability
Designated as Hedging Instrument [Member] | Interest Rate Swap [Member] | Fair Value Hedging [Member]    
Derivative Instruments, Gain (Loss) [Line Items]    
Fair value of derivative assets   651
Fair value of derivative liability  
XML 111 R95.htm IDEA: XBRL DOCUMENT v3.25.0.1
The table below presents the effect of the Company’s derivative financial instruments on the statements of net income as of December 31, 2024, 2023 and 2022. (Details) - Interest Rate Swap [Member] - Fair Value Hedging [Member] - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 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 $ 1,398 $ 1,085
Hedged items 607 (607)
Derivatives designated as hedging instruments $ 791 $ 1,692
XML 112 R96.htm IDEA: XBRL DOCUMENT v3.25.0.1
DERIVATIVES AND HEDGING ACTIVITIES (Details Narrative) - Designated as Hedging Instrument [Member] - Fair Value Hedging [Member]
$ in Thousands
Dec. 31, 2023
USD ($)
Derivative [Line Items]  
Amortized cost basis of closed portfolios $ 461,200
Cumulative basis adjustments 607
Notional amount $ 200,000
XML 113 R97.htm IDEA: XBRL DOCUMENT v3.25.0.1
Supplemental cash flow information related to leases was as follows: (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Cash paid for amounts included in the measurement of lease liabilities:    
 Operating cash flows from operating leases $ 1,524 $ 1,488
ROU assets obtained in exchange for lease obligations:    
Operating leases $ 451 $ 412
XML 114 R98.htm IDEA: XBRL DOCUMENT v3.25.0.1
Supplemental balance sheet information related to leases was as follows: (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Leases    
Operating lease ROU assets $ 7,383 $ 8,201
Operating lease liabilities $ 7,673 $ 8,471
XML 115 R99.htm IDEA: XBRL DOCUMENT v3.25.0.1
Future undiscounted lease payments for the Company’s operating lease liabilities were as follows (in thousands): (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Leases    
2025 $ 1,474  
2026 1,358  
2027 1,099  
2028 861  
2029 821  
Thereafter 3,262  
Total lease payments 8,875  
Less imputed interest (1,202)  
Total $ 7,673 $ 8,471
XML 116 R100.htm IDEA: XBRL DOCUMENT v3.25.0.1
LEASES (Details Narrative) - USD ($)
$ in Millions
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Operating lease cost $ 1.6 $ 1.6 $ 1.5
Weighted average remaining lease term 8 years 4 months 24 days    
Weighted average discount rate 3.33%    
Minimum [Member]      
Operating lease, term of contract 1 year    
Operating lease, renewal term 5 years    
Maximum [Member]      
Operating lease, term of contract 14 years    
Operating lease, renewal term 10 years    
XML 117 R101.htm IDEA: XBRL DOCUMENT v3.25.0.1
Our actual capital ratios of December 31, 2024 and December 31, 2023 are also presented in the following table. (Details)
$ in Thousands
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Total Capital $ 285,545 $ 285,760
Total Capital (to risk-weighted assets) ratio 0.1438 0.1467
Minimum amount of capital for adequacy purposes $ 158,884 $ 155,873
Minimum amount of capital for adequacy purposes, ratio 0.0800 0.0800
Tier 1 Capital $ 245,663 $ 245,363
Tier 1 Capital (to risk-weighted assets) ratio 0.1237 0.1259
Minimum amount of Tier 1 Capital for adequacy purposes $ 119,163 $ 116,905
Minimum amount of Tier 1 Capital for adequacy purposes, ratio 0.0600 0.0600
Common Equity Tier 1 Capital $ 245,663 $ 245,363
Common Equity Tier 1 Capital (to risk-weighted assets) ratio 0.1237 0.1259
Minimum amount of Common Equity Tier 1 Capital for adequacy purposes $ 89,372 $ 87,679
Minimum amount of Common Equity Tier 1 Capital for adequacy purposes, ratio 0.0450 0.0450
Tier 1 Leverage ratio $ 245,663 $ 245,363
Tier 1 Leverage (to adjusted average assets) ratio 0.0914 0.0940
Minimum amount of Tier 1 Leverage for adequacy purposes $ 107,461 $ 104,400
Minimum amount of Tier 1 Leverage for adequacy purposes, ratio 0.0400 0.0400
Subsidiaries [Member]    
Total Capital $ 270,879 $ 271,420
Total Capital (to risk-weighted assets) ratio 0.1365 0.1394
Minimum amount of capital for adequacy purposes $ 158,744 $ 155,711
Minimum amount of capital for adequacy purposes, ratio 0.0800 0.0800
Minimum Capital required to be well-capitalized $ 198,430 $ 194,639
Minimum Capital required to be well-capitalized, ratio 0.1000 0.1000
Tier 1 Capital $ 250,748 $ 250,734
Tier 1 Capital (to risk-weighted assets) ratio 0.1264 0.1288
Minimum amount of Tier 1 Capital for adequacy purposes $ 119,058 $ 116,783
Minimum amount of Tier 1 Capital for adequacy purposes, ratio 0.0600 0.0600
Minimum Tier 1 Capital required to be well-capitalized $ 158,744 $ 155,711
Minimum Tier 1 Capital required to be well-capitalized, ratio 0.0800 0.0800
Common Equity Tier 1 Capital $ 250,748 $ 250,734
Common Equity Tier 1 Capital (to risk-weighted assets) ratio 0.1264 0.1288
Minimum amount of Common Equity Tier 1 Capital for adequacy purposes $ 89,293 $ 87,587
Minimum amount of Common Equity Tier 1 Capital for adequacy purposes, ratio 0.0450 0.0450
Minimum Common Equity Tier 1 Capital required to be well-capitalized $ 128,979 $ 126,515
Minimum Common Equity Tier 1 Capital required to be well-capitalized, ratio 0.0650 0.0650
Tier 1 Leverage ratio $ 250,748 $ 250,734
Tier 1 Leverage (to adjusted average assets) ratio 0.0934 0.0962
Minimum amount of Tier 1 Leverage for adequacy purposes $ 107,390 $ 104,290
Minimum amount of Tier 1 Leverage for adequacy purposes, ratio 0.0400 0.0400
Minimum Tier 1 Capital required to be well-capitalized $ 134,237 $ 130,363
Minimum Tier 1 Leverage required to be well-capitalized, ratio 0.0500 0.0500
XML 118 R102.htm IDEA: XBRL DOCUMENT v3.25.0.1
The following is a reconciliation of our GAAP capital to regulatory Tier 1, Common Equity Tier 1 and total capital: (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]        
Consolidated GAAP capital $ 235,910 $ 237,409 $ 228,143 $ 223,688
Net unrealized losses on available-for-sale securities, net of tax 23,274 21,744    
Goodwill (12,487) (12,487)    
Intangible assets, net of associated deferred tax liabilities (1,034) (1,303)    
Tier 1 and Common Equity Tier 1 capital 245,663 245,363    
Allowance for credit losses for regulatory capital 20,131 20,685    
Subordinated debt 19,751 19,712    
Total regulatory capital $ 285,545 $ 285,760    
XML 119 R103.htm IDEA: XBRL DOCUMENT v3.25.0.1
REGULATORY CAPITAL (Details Narrative)
$ / shares in Units, $ in Millions
 3 Months Ended 12 Months Ended
Dec. 31, 2024
USD ($)
$ / shares
shares
Dec. 31, 2024
USD ($)
$ / shares
shares
May 22, 2024
shares
Dec. 31, 2023
USD ($)
Share Repurchase Program [Line Items]        
Capital conservation buffer of common equity Tier 1 capital, minimum percentage 0.025 0.025    
Amount available for payment of dividends without prior regulatory approval | $ $ 5.3 $ 5.3    
Restricted equity in net assets | $ $ 159.0 $ 159.0   $ 156.0
Repurchase Plan 2024 [Member]        
Share Repurchase Program [Line Items]        
Number of shares authorized to be repurchased     1,000,000.0  
Number of shares authorized to be repurchased as percentage of total outstanding shares of common stock     4.60%  
Common stock repurchased (in shares) 220,000      
Common stock repurchased, average price per share | $ / shares $ 9.00      
Shares remaining under plan 472,318 472,318    
Repurchase Plan 2024 and Previous Plan [Member]        
Share Repurchase Program [Line Items]        
Common stock repurchased (in shares)   934,282    
Common stock repurchased, average price per share | $ / shares   $ 7.94    
XML 120 R104.htm IDEA: XBRL DOCUMENT v3.25.0.1
Income taxes consist of the following: (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2024
Sep. 30, 2024
Jun. 30, 2024
Mar. 31, 2024
Dec. 31, 2023
Sep. 30, 2023
Jun. 30, 2023
Mar. 31, 2023
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Current tax provision:                      
Federal                 $ 2,089 $ 2,990 $ 5,251
State                 1,024 1,335 2,403
Total                 3,113 4,325 7,654
Deferred tax provision:                      
Federal                 123 94 712
State                 55 97 376
Total                 178 191 1,088
Total tax provision $ 1,075 $ 618 $ 771 $ 827 $ 1,108 $ 1,033 $ 704 $ 1,671 $ 3,291 $ 4,516 $ 8,742
XML 121 R105.htm IDEA: XBRL DOCUMENT v3.25.0.1
The differences between the statutory federal income tax at a rate of 21% and the effective tax are summarized below: (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2024
Sep. 30, 2024
Jun. 30, 2024
Mar. 31, 2024
Dec. 31, 2023
Sep. 30, 2023
Jun. 30, 2023
Mar. 31, 2023
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Income Tax Disclosure [Abstract]                      
Statutory federal income tax                 $ 3,141 $ 4,113 $ 7,272
Increase (decrease) resulting from:                      
State taxes, net of federal tax benefit                 853 1,244 2,195
Tax-exempt income                 (340) (340) (360)
Bank-owned life insurance (BOLI)                 (401) (382) (362)
BOLI death benefit                 (163)
Option exercise tax (benefit) shortfall                 (28)
Other, net                 38 44 25
Total tax provision $ 1,075 $ 618 $ 771 $ 827 $ 1,108 $ 1,033 $ 704 $ 1,671 $ 3,291 $ 4,516 $ 8,742
XML 122 R106.htm IDEA: XBRL DOCUMENT v3.25.0.1
The tax effects of each item that gives rise to deferred taxes are as follows: (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Deferred tax assets:    
Net unrealized loss on available-for-sale securities $ 7,962 $ 7,422
Allowance for credit losses 5,702 5,865
Lease liability 2,157 2,381
Employee benefit and share-based compensation plans 1,154 1,272
Accrued expenses 599 450
Nonperforming interest 292 264
FDIC assessment 103 95
Interest payable 90 73
Purchased mortgage servicing rights 66 38
Other 203 277
Gross deferred tax assets 18,328 18,137
Deferred tax liabilities:    
Lease right-of-use asset (2,075) (2,305)
Purchase accounting adjustments, net (774) (867)
Deferred loan fees (914) (804)
Fixed asset depreciation (533) (494)
Other (35) (31)
Gross deferred tax liabilities (4,331) (4,501)
Net deferred tax asset $ 13,997 $ 13,636
XML 123 R107.htm IDEA: XBRL DOCUMENT v3.25.0.1
INCOME TAXES (Details Narrative) - USD ($)
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Cash paid for income taxes $ 2,900,000 $ 4,600,000 $ 7,400,000
Domestic Tax Jurisdiction [Member]      
Income tax reserve for loan losses at Bank's base year $ 9,400,000    
Percentage of amount actually used net of reserve subject to taxation 150.00%    
Deferred tax liability not recognized $ 2,600,000    
XML 124 R108.htm IDEA: XBRL DOCUMENT v3.25.0.1
Following is a summary of activity for such loans: (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Related Party Transactions [Abstract]    
Balance at beginning of year $ 561 $ 545
Principal distributions 50 1
Repayments of principal (246) (42)
Change in related party status 57
Balance at end of year $ 365 $ 561
XML 125 R109.htm IDEA: XBRL DOCUMENT v3.25.0.1
The following summarizes these financial instruments and other commitments and contingent liabilities at their contract amounts: (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Other Commitments [Line Items]    
Commitments to extend credit $ 465,400 $ 444,500
Unused lines of Credit [Member]    
Other Commitments [Line Items]    
Commitments to extend credit 343,078 352,462
Loan Commitments [Member]    
Other Commitments [Line Items]    
Commitments to extend credit 56,183 37,814
Existing construction loan agreements [Member]    
Other Commitments [Line Items]    
Commitments to extend credit 47,398 31,829
Standby Letters of Credit [Member]    
Other Commitments [Line Items]    
Commitments to extend credit $ 18,773 $ 22,393
XML 126 R110.htm IDEA: XBRL DOCUMENT v3.25.0.1
COMMITMENTS AND CONTINGENCIES (Details Narrative) - USD ($)
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Other Commitments [Line Items]    
Commitments to extend credit $ 465,400,000 $ 444,500,000
Fixed rate commitments 33,900,000 52,800,000
Variable rate commitments 431,500,000 $ 391,700,000
Vendor contract payable 7,100,000  
Vendor contract payable within one year 6,100,000  
Vendor contract payable within the next three years 1,000,000  
Small Business Investment Company [Member]    
Other Commitments [Line Items]    
Committed capital contrbution to partnership 7,500,000  
Investment in partnership 3,700,000  
Unfunded commitment to partnership $ 3,800,000  
Minimum [Member]    
Other Commitments [Line Items]    
Fixed rate commitments - interest rates 3.25% 1.99%
Maximum [Member]    
Other Commitments [Line Items]    
Fixed rate commitments - interest rates 18.00% 18.00%
Standby Letters of Credit [Member]    
Other Commitments [Line Items]    
Commitments to extend credit $ 18,773,000 $ 22,393,000
FHLB Standby Letters of Credit [Member]    
Other Commitments [Line Items]    
Commitments to extend credit $ 11,800,000 $ 15,300,000
XML 127 R111.htm IDEA: XBRL DOCUMENT v3.25.0.1
Assets and liabilities measured at fair value on a recurring basis are summarized below: (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available-for-sale $ 160,704 $ 137,115
Marketable equity securities 397 196
Interest rate swaps 5,883 5,890
Interest rate swaps 5,883 5,239
Fair Value, Inputs, Level 1 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available-for-sale
Marketable equity securities 397 196
Interest rate swaps
Interest rate swaps
Fair Value, Inputs, Level 2 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available-for-sale 160,704 137,115
Marketable equity securities
Interest rate swaps 5,883 5,890
Interest rate swaps 5,883 5,239
Fair Value, Inputs, Level 3 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available-for-sale
Marketable equity securities
Interest rate swaps
Interest rate swaps
Fair Value, Recurring [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available-for-sale 160,704 137,115
Marketable equity securities 397 196
Interest rate swaps 5,883 5,890
Total assets 166,984 143,201
Interest rate swaps 5,883 5,239
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available-for-sale
Marketable equity securities 397 196
Interest rate swaps
Total assets 397 196
Interest rate swaps
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available-for-sale 160,704 137,115
Marketable equity securities
Interest rate swaps 5,883 5,890
Total assets 166,587 143,005
Interest rate swaps 5,883 5,239
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available-for-sale
Marketable equity securities
Interest rate swaps
Total assets
Interest rate swaps
XML 128 R112.htm IDEA: XBRL DOCUMENT v3.25.0.1
The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2024 and 2023. (Details) - Fair Value, Nonrecurring [Member] - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Individually Evaluated Loans [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total losses $ 182 $ 2,178
Fair Value, Inputs, Level 3 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral dependent loans $ 325 $ 1,100
XML 129 R113.htm IDEA: XBRL DOCUMENT v3.25.0.1
The estimated fair values of our financial instruments are as follows: (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Assets:    
Cash and cash equivalents $ 66,450 $ 28,840
Securities held-to-maturity 165,606 187,692
Securities available-for-sale 160,704 137,115
Marketable equity securities 397 196
FHLB and other restricted stock 5,818 3,707
Loans - net 1,894,621 1,841,913
Accrued interest receivable 8,468 8,528
Mortgage servicing rights 826 724
 Derivative asset 5,883 5,890
Liabilities:    
Deposits 2,261,666 2,140,930
Short-term borrowings 5,390 16,100
Long-term debt 98,835 120,460
Subordinated debt 15,876 17,938
Accrued interest payable 903 3,310
Derivative liabilities 5,883 5,239
Fair Value, Inputs, Level 1 [Member]    
Assets:    
Cash and cash equivalents 66,450 28,840
Securities held-to-maturity 4,727 9,450
Securities available-for-sale
Marketable equity securities 397 196
FHLB 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 160,879 178,242
Securities available-for-sale 160,704 137,115
Marketable equity securities
FHLB and other restricted stock
Loans - net
Accrued interest receivable
Mortgage servicing rights 826 724
 Derivative asset 5,883 5,890
Liabilities:    
Deposits
Short-term borrowings 5,390 16,100
Long-term debt 98,835 120,460
Subordinated debt 15,876 17,938
Accrued interest payable
Derivative liabilities 5,883 5,239
Fair Value, Inputs, Level 3 [Member]    
Assets:    
Cash and cash equivalents
Securities held-to-maturity
Securities available-for-sale
Marketable equity securities
FHLB and other restricted stock 5,818 3,707
Loans - net 1,894,621 1,841,913
Accrued interest receivable 8,468 8,528
Mortgage servicing rights
 Derivative asset
Liabilities:    
Deposits 2,261,666 2,140,930
Short-term borrowings
Long-term debt
Subordinated debt
Accrued interest payable 903 3,310
Derivative liabilities
Reported Value Measurement [Member]    
Assets:    
Cash and cash equivalents 66,450 28,840
Securities held-to-maturity 205,036 223,370
Securities available-for-sale 160,704 137,115
Marketable equity securities 397 196
FHLB and other restricted stock 5,818 3,707
Loans - net 2,050,660 2,007,050
Accrued interest receivable 8,468 8,528
Mortgage servicing rights 436 422
 Derivative asset 5,883 5,890
Liabilities:    
Deposits 2,262,647 2,143,744
Short-term borrowings 5,390 16,100
Long-term debt 98,000 120,646
Subordinated debt 19,751 19,712
Accrued interest payable 903 3,310
Derivative liabilities $ 5,883 $ 5,239
XML 130 R114.htm IDEA: XBRL DOCUMENT v3.25.0.1
SEGMENT (Details Narrative)
 12 Months Ended
Dec. 31, 2024
N
Segment Reporting [Abstract]  
Number of reportable segments 1
XML 131 R115.htm IDEA: XBRL DOCUMENT v3.25.0.1
The condensed balance sheets of the parent company are as follows: (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
ASSETS:        
Other assets $ 26,158 $ 27,109    
TOTAL ASSETS 2,653,090 2,564,571    
LIABILITIES:        
Other liabilities 22,770 26,960    
EQUITY 235,910 237,409 $ 228,143 $ 223,688
TOTAL LIABILITIES AND EQUITY 2,653,090 2,564,571    
Parent Company [Member]        
ASSETS:        
Cash equivalents 422 940    
Investment in subsidiaries 240,994 242,780    
ESOP loan receivable 2,417 3,050    
Other assets 14,575 13,780    
TOTAL ASSETS 258,408 260,550    
LIABILITIES:        
ESOP loan payable 2,417 3,050    
Other liabilities 20,081 20,091    
EQUITY 235,910 237,409    
TOTAL LIABILITIES AND EQUITY $ 258,408 $ 260,550    
XML 132 R116.htm IDEA: XBRL DOCUMENT v3.25.0.1
The condensed statements of net income for the parent company are as follows: (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2024
Sep. 30, 2024
Jun. 30, 2024
Mar. 31, 2024
Dec. 31, 2023
Sep. 30, 2023
Jun. 30, 2023
Mar. 31, 2023
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
OPERATING EXPENSE:                      
Salaries and employee benefits                 $ 32,686 $ 32,214 $ 32,697
Net income before taxes $ 4,363 $ 2,522 $ 4,284 $ 3,788 $ 3,619 $ 5,523 $ 3,467 $ 6,975 14,957 19,584 34,629
Income tax benefit 1,075 618 771 827 1,108 1,033 704 1,671 3,291 4,516 8,742
Net income $ 3,288 $ 1,904 $ 3,513 $ 2,961 $ 2,511 $ 4,490 $ 2,763 $ 5,304 11,666 15,068 25,887
Parent Company [Member]                      
INCOME:                      
Dividends from subsidiaries                 14,209 12,119 8,152
ESOP loan interest income                 244 296 349
Other income                 11 36 2
Total income                 14,464 12,451 8,503
OPERATING EXPENSE:                      
Salaries and employee benefits                 1,408 1,761 2,011
ESOP loan interest expense                 244 296 349
Other expenses                 1,285 1,310 1,283
Total operating expense                 2,937 3,367 3,643
Income before equity in undistributed income of subsidiaries and income taxes                 11,527 9,084 4,860
Equity in undistributed income of subsidiaries                 (255) 5,591 20,595
Net income before taxes                 11,272 14,675 25,455
Income tax benefit                 (394) (393) (432)
Net income                 $ 11,666 $ 15,068 $ 25,887
XML 133 R117.htm IDEA: XBRL DOCUMENT v3.25.0.1
The condensed statements of cash flows of the parent company are as follows: (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2024
Sep. 30, 2024
Jun. 30, 2024
Mar. 31, 2024
Dec. 31, 2023
Sep. 30, 2023
Jun. 30, 2023
Mar. 31, 2023
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
OPERATING ACTIVITIES:                      
Net income $ 3,288 $ 1,904 $ 3,513 $ 2,961 $ 2,511 $ 4,490 $ 2,763 $ 5,304 $ 11,666 $ 15,068 $ 25,887
Change in other liabilities                 (3,372) (3,879) 8,099
Change in other assets                 133 (968) (4,218)
Net cash provided by operating activities                 12,170 14,773 36,770
INVESTING ACTIVITIES:                       
Sales of securities             $ 6,300   6,237 5,131
Net cash used in investing activities                 (46,594) (13,706) (111,874)
FINANCING ACTIVITIES:                       
Cash dividends paid                 (5,914) (6,066) (5,281)
Common stock repurchased                 (7,599) (5,022) (6,351)
Net cash used in financing activities                 1,171
NET CHANGE IN CASH AND CASH EQUIVALENTS:                 37,610 (1,502) (73,114)
Supplemental cash flow information:                      
Net change in due to broker for common stock repurchased                 163
Parent Company [Member]                      
OPERATING ACTIVITIES:                      
Net income                 11,666 15,068 25,887
Equity in undistributed income of subsidiaries                 255 (5,591) (20,595)
Net amortization of premiums on subordinated debt                 39 39 40
Change in other liabilities                 (844) (881) (642)
Change in other assets                 (162) 651 694
Other, net                 2,041 1,979 1,757
Net cash provided by operating activities                 12,995 11,265 7,141
INVESTING ACTIVITIES:                       
Purchase of securities                 (82) (103) (107)
Sales of securities                 82 103 107
Net cash used in investing activities                
FINANCING ACTIVITIES:                       
Cash dividends paid                 (5,914) (6,066) (5,281)
Common stock repurchased                 (7,599) (5,022) (6,351)
Net cash used in financing activities                 (13,513) (11,088) (10,461)
NET CHANGE IN CASH AND CASH EQUIVALENTS:                 (518) 177 (3,320)
CASH AND CASH EQUIVALENTS                      
Beginning of year       $ 940       $ 763 940 763 4,083
End of year $ 422       $ 940       422 940 763
Supplemental cash flow information:                      
Net change in due to broker for common stock repurchased                 $ 163
XML 134 R118.htm IDEA: XBRL DOCUMENT v3.25.0.1
The following tables present a summary of our quarterly financial information for the periods indicated. (Details) - USD ($)
$ / shares in Units, $ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2024
Sep. 30, 2024
Jun. 30, 2024
Mar. 31, 2024
Dec. 31, 2023
Sep. 30, 2023
Jun. 30, 2023
Mar. 31, 2023
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Quarterly Financial Information Disclosure [Abstract]                      
Interest and dividend income $ 28,586 $ 27,840 $ 26,802 $ 26,604 $ 26,770 $ 25,901 $ 24,809 $ 23,638 $ 109,832 $ 101,118 $ 85,928
Interest expense 13,313 13,112 12,332 11,258 10,594 9,518 7,963 5,134      
Net interest and dividend income 15,273 14,728 14,470 15,346 16,176 16,383 16,846 18,504 59,817 67,909 79,232
(Reversal of) provision for credit losses (762) 941 (294) (550) 486 354 420 (388) (665) 872 700
Loss on disposal of premises and equipment (6) (3) (6) (3)
Unrealized loss on marketable equity securities, net (9) 10 4 8 (1) 13 (1) (717)
Gain on non-marketable equity investments 300 987 238 352 1,287 590 422
Loss on defined benefit plan termination         [1] [1] (1,143) [1] [1] (1,143) 2,807
Gain on bank-owned life insurance death benefit         [2] 778 [2] [2] [2] 778
Gain (loss) on sale of mortgages (11) 246         235 2
Other non-interest income 2,974 2,885 2,843 2,672 2,715 2,599 2,735 2,627      
Non-interest income 3,254 3,141 3,834 2,674 2,714 3,612 1,592 2,979 12,903 10,897 13,332
Non-interest expense 14,926 14,406 14,314 14,782 14,785 14,118 14,551 14,896 58,428 58,350 57,235
Income before income taxes 4,363 2,522 4,284 3,788 3,619 5,523 3,467 6,975 14,957 19,584 34,629
Income tax provision 1,075 618 771 827 1,108 1,033 704 1,671 3,291 4,516 8,742
Net income $ 3,288 $ 1,904 $ 3,513 $ 2,961 $ 2,511 $ 4,490 $ 2,763 $ 5,304 $ 11,666 $ 15,068 $ 25,887
Basic earnings per share $ 0.16 $ 0.09 $ 0.17 $ 0.14 $ 0.12 $ 0.21 $ 0.13 $ 0.24 $ 0.56 $ 0.70 $ 1.18
Diluted earnings per share $ 0.16 $ 0.09 $ 0.17 $ 0.14 $ 0.12 $ 0.21 $ 0.13 $ 0.24 $ 0.56 $ 0.70 $ 1.18
[1] The decrease in non-interest income for the three months ended June 30, 2023 was due to a one-time, non-recurring final termination expense of $1.1 million resulting from the termination of the Company’s defined benefit pension plan.
[2] The increase in non-interest income for the three months ended September 30, 2023 was due to a non-taxable gain on bank-owned life insurance.
EXCEL 135 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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end XML 136 Show.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 137 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ .report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } .report table.authRefData a { display: block; font-weight: bold; } .report table.authRefData p { margin-top: 0px; } .report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } .report table.authRefData .hide a:hover { background-color: #2F4497; } .report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } .report table.authRefData table{ font-size: 1em; } /* Report Styles */ .pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ .report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } .report hr { border: 1px solid #acf; } /* Top labels */ .report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } .report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } .report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } .report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } .report td.pl div.a { width: 200px; } .report td.pl a:hover { background-color: #ffc; } /* Header rows... */ .report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ .report .rc { background-color: #f0f0f0; } /* Even rows... */ .report .re, .report .reu { background-color: #def; } .report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ .report .ro, .report .rou { background-color: white; } .report .rou td { border-bottom: 1px solid black; } .report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ .report .fn { white-space: nowrap; } /* styles for numeric types */ .report .num, .report .nump { text-align: right; white-space: nowrap; } .report .nump { padding-left: 2em; } .report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ .report .text { text-align: left; white-space: normal; } .report .text .big { margin-bottom: 1em; width: 17em; } .report .text .more { display: none; } .report .text .note { font-style: italic; font-weight: bold; } .report .text .small { width: 10em; } .report sup { font-style: italic; } .report .outerFootnotes { font-size: 1em; } XML 139 FilingSummary.xml IDEA: XBRL DOCUMENT 3.25.0.1 html 486 726 1 true 120 0 false 6 false false R1.htm 00000001 - Document - Cover Sheet http://westfieldbank.com/role/Cover Cover Cover 1 false false R2.htm 00000002 - Statement - CONSOLIDATED BALANCE SHEETS Sheet http://westfieldbank.com/role/ConsolidatedBalanceSheets CONSOLIDATED BALANCE SHEETS Statements 2 false false R3.htm 00000003 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical) Sheet http://westfieldbank.com/role/ConsolidatedBalanceSheetsParenthetical CONSOLIDATED BALANCE SHEETS (Parenthetical) Statements 3 false false R4.htm 00000004 - Statement - CONSOLIDATED STATEMENTS OF NET INCOME Sheet http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome CONSOLIDATED STATEMENTS OF NET INCOME Statements 4 false false R5.htm 00000005 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME Sheet http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME Statements 5 false false R6.htm 00000006 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) Sheet http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncomeParenthetical CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) Statements 6 false false R7.htm 00000007 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY Sheet http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY Statements 7 false false R8.htm 00000008 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) Sheet http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquityParenthetical CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) Statements 8 false false R9.htm 00000009 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS Sheet http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows CONSOLIDATED STATEMENTS OF CASH FLOWS Statements 9 false false R10.htm 995410 - Disclosure - Pay vs Performance Disclosure Sheet http://xbrl.sec.gov/ecd/role/PvpDisclosure Pay vs Performance Disclosure Notes 10 false false R11.htm 995445 - Disclosure - Insider Trading Arrangements Sheet http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements Insider Trading Arrangements Notes 11 false false R12.htm 995550 - Disclosure - Cybersecurity Risk Management and Strategy Disclosure Sheet http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure Cybersecurity Risk Management and Strategy Disclosure Notes 12 false false R13.htm 999017 - Disclosure - Risk Management & Strategy. Sheet http://westfieldbank.com/role/RiskManagementStrategy. Risk Management & Strategy. Notes 13 false false R14.htm 999018 - Disclosure - Governance. Sheet http://westfieldbank.com/role/Governance. Governance. Notes 14 false false R15.htm 999019 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Sheet http://westfieldbank.com/role/SummaryOfSignificantAccountingPolicies SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Notes 15 false false R16.htm 999020 - Disclosure - INVESTMENT SECURITIES Sheet http://westfieldbank.com/role/InvestmentSecurities INVESTMENT SECURITIES Notes 16 false false R17.htm 999021 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES Sheet http://westfieldbank.com/role/LoansAndAllowanceForCreditLosses LOANS AND ALLOWANCE FOR CREDIT LOSSES Notes 17 false false R18.htm 999022 - Disclosure - PREMISES AND EQUIPMENT Sheet http://westfieldbank.com/role/PremisesAndEquipment PREMISES AND EQUIPMENT Notes 18 false false R19.htm 999023 - Disclosure - GOODWILL AND OTHER INTANGIBLES Sheet http://westfieldbank.com/role/GoodwillAndOtherIntangibles GOODWILL AND OTHER INTANGIBLES Notes 19 false false R20.htm 999024 - Disclosure - DEPOSITS Sheet http://westfieldbank.com/role/Deposits DEPOSITS Notes 20 false false R21.htm 999025 - Disclosure - SHORT-TERM BORROWINGS Sheet http://westfieldbank.com/role/Short-termBorrowings SHORT-TERM BORROWINGS Notes 21 false false R22.htm 999026 - Disclosure - LONG-TERM DEBT Sheet http://westfieldbank.com/role/Long-termDebt LONG-TERM DEBT Notes 22 false false R23.htm 999027 - Disclosure - STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN Sheet http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlan STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN Notes 23 false false R24.htm 999028 - Disclosure - RETIREMENT PLANS AND EMPLOYEE BENEFITS Sheet http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefits RETIREMENT PLANS AND EMPLOYEE BENEFITS Notes 24 false false R25.htm 999029 - Disclosure - DERIVATIVES AND HEDGING ACTIVITIES Sheet http://westfieldbank.com/role/DerivativesAndHedgingActivities DERIVATIVES AND HEDGING ACTIVITIES Notes 25 false false R26.htm 999030 - Disclosure - LEASES Sheet http://westfieldbank.com/role/Leases LEASES Notes 26 false false R27.htm 999031 - Disclosure - REGULATORY CAPITAL Sheet http://westfieldbank.com/role/RegulatoryCapital REGULATORY CAPITAL Notes 27 false false R28.htm 999032 - Disclosure - INCOME TAXES Sheet http://westfieldbank.com/role/IncomeTaxes INCOME TAXES Notes 28 false false R29.htm 999033 - Disclosure - TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS Sheet http://westfieldbank.com/role/TransactionsWithDirectorsAndExecutiveOfficers TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS Notes 29 false false R30.htm 999034 - Disclosure - COMMITMENTS AND CONTINGENCIES Sheet http://westfieldbank.com/role/CommitmentsAndContingencies COMMITMENTS AND CONTINGENCIES Notes 30 false false R31.htm 999035 - Disclosure - FAIR VALUE OF ASSETS AND LIABLITIES Sheet http://westfieldbank.com/role/FairValueOfAssetsAndLiablities FAIR VALUE OF ASSETS AND LIABLITIES Notes 31 false false R32.htm 999036 - Disclosure - SEGMENT Sheet http://westfieldbank.com/role/Segment SEGMENT Notes 32 false false R33.htm 999037 - Disclosure - CONDENSED PARENT COMPANY FINANCIAL STATEMENTS Sheet http://westfieldbank.com/role/CondensedParentCompanyFinancialStatements CONDENSED PARENT COMPANY FINANCIAL STATEMENTS Notes 33 false false R34.htm 999038 - Disclosure - SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED) Sheet http://westfieldbank.com/role/SummaryOfQuarterlyFinancialInformation SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED) Notes 34 false false R35.htm 999039 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies) Sheet http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies) Policies 35 false false R36.htm 999040 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables) Sheet http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesTables SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables) Tables http://westfieldbank.com/role/SummaryOfSignificantAccountingPolicies 36 false false R37.htm 999041 - Disclosure - INVESTMENT SECURITIES (Tables) Sheet http://westfieldbank.com/role/InvestmentSecuritiesTables INVESTMENT SECURITIES (Tables) Tables http://westfieldbank.com/role/InvestmentSecurities 37 false false R38.htm 999042 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables) Sheet http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesTables LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables) Tables http://westfieldbank.com/role/LoansAndAllowanceForCreditLosses 38 false false R39.htm 999043 - Disclosure - PREMISES AND EQUIPMENT (Tables) Sheet http://westfieldbank.com/role/PremisesAndEquipmentTables PREMISES AND EQUIPMENT (Tables) Tables http://westfieldbank.com/role/PremisesAndEquipment 39 false false R40.htm 999044 - Disclosure - DEPOSITS (Tables) Sheet http://westfieldbank.com/role/DepositsTables DEPOSITS (Tables) Tables http://westfieldbank.com/role/Deposits 40 false false R41.htm 999045 - Disclosure - LONG-TERM DEBT (Tables) Sheet http://westfieldbank.com/role/Long-termDebtTables LONG-TERM DEBT (Tables) Tables http://westfieldbank.com/role/Long-termDebt 41 false false R42.htm 999046 - Disclosure - STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN (Tables) Sheet http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanTables STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN (Tables) Tables http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlan 42 false false R43.htm 999047 - Disclosure - RETIREMENT PLANS AND EMPLOYEE BENEFITS (Tables) Sheet http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsTables RETIREMENT PLANS AND EMPLOYEE BENEFITS (Tables) Tables http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefits 43 false false R44.htm 999048 - Disclosure - DERIVATIVES AND HEDGING ACTIVITIES (Tables) Sheet http://westfieldbank.com/role/DerivativesAndHedgingActivitiesTables DERIVATIVES AND HEDGING ACTIVITIES (Tables) Tables http://westfieldbank.com/role/DerivativesAndHedgingActivities 44 false false R45.htm 999049 - Disclosure - LEASES (Tables) Sheet http://westfieldbank.com/role/LeasesTables LEASES (Tables) Tables http://westfieldbank.com/role/Leases 45 false false R46.htm 999050 - Disclosure - REGULATORY CAPITAL (Tables) Sheet http://westfieldbank.com/role/RegulatoryCapitalTables REGULATORY CAPITAL (Tables) Tables http://westfieldbank.com/role/RegulatoryCapital 46 false false R47.htm 999051 - Disclosure - INCOME TAXES (Tables) Sheet http://westfieldbank.com/role/IncomeTaxesTables INCOME TAXES (Tables) Tables http://westfieldbank.com/role/IncomeTaxes 47 false false R48.htm 999052 - Disclosure - TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS (Tables) Sheet http://westfieldbank.com/role/TransactionsWithDirectorsAndExecutiveOfficersTables TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS (Tables) Tables http://westfieldbank.com/role/TransactionsWithDirectorsAndExecutiveOfficers 48 false false R49.htm 999053 - Disclosure - COMMITMENTS AND CONTINGENCIES (Tables) Sheet http://westfieldbank.com/role/CommitmentsAndContingenciesTables COMMITMENTS AND CONTINGENCIES (Tables) Tables http://westfieldbank.com/role/CommitmentsAndContingencies 49 false false R50.htm 999054 - Disclosure - FAIR VALUE OF ASSETS AND LIABLITIES (Tables) Sheet http://westfieldbank.com/role/FairValueOfAssetsAndLiablitiesTables FAIR VALUE OF ASSETS AND LIABLITIES (Tables) Tables http://westfieldbank.com/role/FairValueOfAssetsAndLiablities 50 false false R51.htm 999055 - Disclosure - CONDENSED PARENT COMPANY FINANCIAL STATEMENTS (Tables) Sheet http://westfieldbank.com/role/CondensedParentCompanyFinancialStatementsTables CONDENSED PARENT COMPANY FINANCIAL STATEMENTS (Tables) Tables http://westfieldbank.com/role/CondensedParentCompanyFinancialStatements 51 false false R52.htm 999056 - Disclosure - SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Tables) Sheet http://westfieldbank.com/role/SummaryOfQuarterlyFinancialInformationTables SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Tables) Tables http://westfieldbank.com/role/SummaryOfQuarterlyFinancialInformation 52 false false R53.htm 999057 - Disclosure - The estimated useful lives of the assets are as follows: (Details) Sheet http://westfieldbank.com/role/EstimatedUsefulLivesOfAssetsAreAsFollowsDetails The estimated useful lives of the assets are as follows: (Details) Details 53 false false R54.htm 999058 - Disclosure - Earnings per common share for the years ended December 31, 2024, 2023 and 2022 have been computed based on the following: (Details) Sheet http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails Earnings per common share for the years ended December 31, 2024, 2023 and 2022 have been computed based on the following: (Details) Details 54 false false R55.htm 999059 - Disclosure - The components of accumulated other comprehensive loss, included in shareholders??? equity, are as follows: (Details) Sheet http://westfieldbank.com/role/ComponentsOfAccumulatedOtherComprehensiveLossIncludedInShareholdersEquityAreAsFollowsDetails The components of accumulated other comprehensive loss, included in shareholders??? equity, are as follows: (Details) Details 55 false false R56.htm 999060 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative) Sheet http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative) Details http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesTables 56 false false R57.htm 999061 - Disclosure - The following tables summarize the amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024 and December 31, 2023 (Details) Sheet http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details The following tables summarize the amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024 and December 31, 2023 (Details) Details 57 false false R58.htm 999062 - Disclosure - The following table presents the unrealized gains (losses) recognized on marketable equity securities for the years indicated: (Details) Sheet http://westfieldbank.com/role/FollowingTablePresentsUnrealizedGainsLossesRecognizedOnMarketableEquitySecuritiesForYearsIndicatedDetails The following table presents the unrealized gains (losses) recognized on marketable equity securities for the years indicated: (Details) Details 58 false false R59.htm 999063 - Disclosure - The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024, by final maturity, are shown below. (Details) Sheet http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024, by final maturity, are shown below. (Details) Details 59 false false R60.htm 999064 - Disclosure - The following tables summarize the gross unrealized losses and fair value of the Company???s securities available-for-sale and held-to-maturity, segregated by the duration of their continuous unrealized loss positions at December 31, 2024 and 2023: (Details) Sheet http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details The following tables summarize the gross unrealized losses and fair value of the Company???s securities available-for-sale and held-to-maturity, segregated by the duration of their continuous unrealized loss positions at December 31, 2024 and 2023: (Details) Details 60 false false R61.htm 999065 - Disclosure - INVESTMENT SECURITIES (Details Narrative) Sheet http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative INVESTMENT SECURITIES (Details Narrative) Details http://westfieldbank.com/role/InvestmentSecuritiesTables 61 false false R62.htm 999066 - Disclosure - The following table presents the summary of the loan portfolio by the major classification of the loan at the periods indicated: (Details) Sheet http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails The following table presents the summary of the loan portfolio by the major classification of the loan at the periods indicated: (Details) Details 62 false false R63.htm 999067 - Disclosure - A summary of the activity in the balances of mortgage servicing rights follows: (Details) Sheet http://westfieldbank.com/role/SummaryOfActivityInBalancesOfMortgageServicingRightsFollowsDetails A summary of the activity in the balances of mortgage servicing rights follows: (Details) Details 63 false false R64.htm 999068 - Disclosure - An analysis of changes in the allowance for credit losses for loans and off-balance sheet commitments by segment for the years ended December 31, 2024 and 2023 is as follows: (Details) Sheet http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails An analysis of changes in the allowance for credit losses for loans and off-balance sheet commitments by segment for the years ended December 31, 2024 and 2023 is as follows: (Details) Details 64 false false R65.htm 999069 - Disclosure - The following tables present an age analysis of past due loans as of the dates indicated: (Details) Sheet http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails The following tables present an age analysis of past due loans as of the dates indicated: (Details) Details 65 false false R66.htm 999070 - Disclosure - The following table is a summary of the Company???s nonperforming loans by major categories at December 31, 2024 and December 31, 2023: (Details) Sheet http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details The following table is a summary of the Company???s nonperforming loans by major categories at December 31, 2024 and December 31, 2023: (Details) Details 66 false false R67.htm 999071 - Disclosure - The following table summarizes the Company???s individually evaluated collateral dependent loans by class as of the dates indicated: (Details) Sheet http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails The following table summarizes the Company???s individually evaluated collateral dependent loans by class as of the dates indicated: (Details) Details 67 false false R68.htm 999072 - Disclosure - The following tables summarize the amortized cost basis by aggregate Pass and criticized categories of Special Mention and Substandard within the Company???s internal risk rating system by year of origination as of December 31, 2024 and 2023. (Details) Sheet http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details The following tables summarize the amortized cost basis by aggregate Pass and criticized categories of Special Mention and Substandard within the Company???s internal risk rating system by year of origination as of December 31, 2024 and 2023. (Details) Details 68 false false R69.htm 999073 - Disclosure - The following table summarizes information about total loans rated Special Mention, Substandard, Doubtful or Loss for the periods noted. (Details) Sheet http://westfieldbank.com/role/FollowingTableSummarizesInformationAboutTotalLoansRatedSpecialMentionSubstandardDoubtfulOrLossForPeriodsNoted.Details The following table summarizes information about total loans rated Special Mention, Substandard, Doubtful or Loss for the periods noted. (Details) Details 69 false false R70.htm 999074 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES (Details Narrative) Sheet http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative LOANS AND ALLOWANCE FOR CREDIT LOSSES (Details Narrative) Details http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesTables 70 false false R71.htm 999075 - Disclosure - Premises and equipment are summarized as follows: (Details) Sheet http://westfieldbank.com/role/PremisesAndEquipmentAreSummarizedAsFollowsDetails Premises and equipment are summarized as follows: (Details) Details 71 false false R72.htm 999076 - Disclosure - PREMISES AND EQUIPMENT (Details Narrative) Sheet http://westfieldbank.com/role/PremisesAndEquipmentDetailsNarrative PREMISES AND EQUIPMENT (Details Narrative) Details http://westfieldbank.com/role/PremisesAndEquipmentTables 72 false false R73.htm 999077 - Disclosure - GOODWILL AND OTHER INTANGIBLES (Details Narrative) Sheet http://westfieldbank.com/role/GoodwillAndOtherIntangiblesDetailsNarrative GOODWILL AND OTHER INTANGIBLES (Details Narrative) Details http://westfieldbank.com/role/GoodwillAndOtherIntangibles 73 false false R74.htm 999078 - Disclosure - Deposit accounts, by type, are summarized as follows for the periods indicated: (Details) Sheet http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails Deposit accounts, by type, are summarized as follows for the periods indicated: (Details) Details 74 false false R75.htm 999079 - Disclosure - The scheduled maturities of time deposits for the periods indicated are as follows: (Details) Sheet http://westfieldbank.com/role/ScheduledMaturitiesOfTimeDepositsForPeriodsIndicatedAreAsFollowsDetails The scheduled maturities of time deposits for the periods indicated are as follows: (Details) Details 75 false false R76.htm 999080 - Disclosure - Interest expense on deposits for the years ended December 31, 2024, 2023 and 2022 is summarized as follows: (Details) Sheet http://westfieldbank.com/role/InterestExpenseOnDepositsForYearsEndedDecember3120242023And2022IsSummarizedAsFollowsDetails Interest expense on deposits for the years ended December 31, 2024, 2023 and 2022 is summarized as follows: (Details) Details 76 false false R77.htm 999081 - Disclosure - DEPOSITS (Details Narrative) Sheet http://westfieldbank.com/role/DepositsDetailsNarrative DEPOSITS (Details Narrative) Details http://westfieldbank.com/role/DepositsTables 77 false false R78.htm 999082 - Disclosure - SHORT-TERM BORROWINGS (Details Narrative) Sheet http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative SHORT-TERM BORROWINGS (Details Narrative) Details http://westfieldbank.com/role/Short-termBorrowings 78 false false R79.htm 999083 - Disclosure - The following advances are collateralized by a blanket lien on our residential real estate loans and certain eligible commercial real estate loans. (Details) Sheet http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details The following advances are collateralized by a blanket lien on our residential real estate loans and certain eligible commercial real estate loans. (Details) Details 79 false false R80.htm 999084 - Disclosure - LONG-TERM DEBT (Details Narrative) Sheet http://westfieldbank.com/role/Long-termDebtDetailsNarrative LONG-TERM DEBT (Details Narrative) Details http://westfieldbank.com/role/Long-termDebtTables 80 false false R81.htm 999085 - Disclosure - The Threshold, Target and Stretch metrics under the 2021 LTI Plan are as follows: (Details) Sheet http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails The Threshold, Target and Stretch metrics under the 2021 LTI Plan are as follows: (Details) Details 81 false false R82.htm 999086 - Disclosure - The Threshold, Target and Stretch metrics under the 2022 LTI Plan are as follows: (Details) Sheet http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2022LtiPlanAreAsFollowsDetails The Threshold, Target and Stretch metrics under the 2022 LTI Plan are as follows: (Details) Details 82 false false R83.htm 999087 - Disclosure - The Threshold, Target and Stretch metrics under the 2023 LTI Plan are as follows: (Details) Sheet http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2023LtiPlanAreAsFollowsDetails The Threshold, Target and Stretch metrics under the 2023 LTI Plan are as follows: (Details) Details 83 false false R84.htm 999088 - Disclosure - The Threshold, Target and Stretch metrics under the 2024 LTI Plan are as follows: (Details) Sheet http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2024LtiPlanAreAsFollowsDetails The Threshold, Target and Stretch metrics under the 2024 LTI Plan are as follows: (Details) Details 84 false false R85.htm 999089 - Disclosure - A summary of the status of unvested restricted stock awards at December 31, 2024 and 2023 is presented below: (Details) Sheet http://westfieldbank.com/role/SummaryOfStatusOfUnvestedRestrictedStockAwardsAtDecember312024And2023IsPresentedBelowDetails A summary of the status of unvested restricted stock awards at December 31, 2024 and 2023 is presented below: (Details) Details 85 false false R86.htm 999090 - Disclosure - At December 31, 2024, the remaining principal balances are payable as follows: (Details) Sheet http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails At December 31, 2024, the remaining principal balances are payable as follows: (Details) Details 86 false false R87.htm 999091 - Disclosure - Shares held by the ESOP include the following at December 31, 2024 and 2023: (Details) Sheet http://westfieldbank.com/role/SharesHeldByEsopIncludeFollowingAtDecember312024And2023Details Shares held by the ESOP include the following at December 31, 2024 and 2023: (Details) Details 87 false false R88.htm 999092 - Disclosure - STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN (Details Narrative) Sheet http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN (Details Narrative) Details http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanTables 88 false false R89.htm 999093 - Disclosure - The following table provides information related to the DB Plan for the year ended December 31, 2023: (Details) Sheet http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details The following table provides information related to the DB Plan for the year ended December 31, 2023: (Details) Details 89 false false R90.htm 999094 - Disclosure - Net pension cost includes the following components for the year ended December 31, 2023: (Details) Sheet http://westfieldbank.com/role/NetPensionCostIncludesFollowingComponentsForYearEndedDecember312023Details Net pension cost includes the following components for the year ended December 31, 2023: (Details) Details 90 false false R91.htm 999095 - Disclosure - The following actuarial assumptions were used in determining the net periodic pension cost for the year ended December 31, 2023: (Details) Sheet http://westfieldbank.com/role/FollowingActuarialAssumptionsWereUsedInDeterminingNetPeriodicPensionCostForYearEndedDecember312023Details The following actuarial assumptions were used in determining the net periodic pension cost for the year ended December 31, 2023: (Details) Details 91 false false R92.htm 999096 - Disclosure - RETIREMENT PLANS AND EMPLOYEE BENEFITS (Details Narrative) Sheet http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative RETIREMENT PLANS AND EMPLOYEE BENEFITS (Details Narrative) Details http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsTables 92 false false R93.htm 999097 - Disclosure - As of December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges: (Details) Sheet http://westfieldbank.com/role/AsOfDecember312023FollowingAmountsWereRecordedOnBalanceSheetRelatedToCumulativeBasisAdjustmentOfFairValueHedgesDetails As of December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges: (Details) Details 93 false false R94.htm 999098 - Disclosure - The tables below present 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 December 31, 2024 and December 31, 2023. (Details) Sheet http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details The tables below present 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 December 31, 2024 and December 31, 2023. (Details) Details 94 false false R95.htm 999099 - Disclosure - The table below presents the effect of the Company???s derivative financial instruments on the statements of net income as of December 31, 2024, 2023 and 2022. (Details) Sheet http://westfieldbank.com/role/TableBelowPresentsEffectOfCompanysDerivativeFinancialInstrumentsOnStatementsOfNetIncomeAsOfDecember3120242023And2022.Details The table below presents the effect of the Company???s derivative financial instruments on the statements of net income as of December 31, 2024, 2023 and 2022. (Details) Details 95 false false R96.htm 999100 - Disclosure - DERIVATIVES AND HEDGING ACTIVITIES (Details Narrative) Sheet http://westfieldbank.com/role/DerivativesAndHedgingActivitiesDetailsNarrative DERIVATIVES AND HEDGING ACTIVITIES (Details Narrative) Details http://westfieldbank.com/role/DerivativesAndHedgingActivitiesTables 96 false false R97.htm 999101 - Disclosure - Supplemental cash flow information related to leases was as follows: (Details) Sheet http://westfieldbank.com/role/SupplementalCashFlowInformationRelatedToLeasesWasAsFollowsDetails Supplemental cash flow information related to leases was as follows: (Details) Details 97 false false R98.htm 999102 - Disclosure - Supplemental balance sheet information related to leases was as follows: (Details) Sheet http://westfieldbank.com/role/SupplementalBalanceSheetInformationRelatedToLeasesWasAsFollowsDetails Supplemental balance sheet information related to leases was as follows: (Details) Details 98 false false R99.htm 999103 - Disclosure - Future undiscounted lease payments for the Company???s operating lease liabilities were as follows (in thousands): (Details) Sheet http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails Future undiscounted lease payments for the Company???s operating lease liabilities were as follows (in thousands): (Details) Details 99 false false R100.htm 999104 - Disclosure - LEASES (Details Narrative) Sheet http://westfieldbank.com/role/LeasesDetailsNarrative LEASES (Details Narrative) Details http://westfieldbank.com/role/LeasesTables 100 false false R101.htm 999105 - Disclosure - Our actual capital ratios of December 31, 2024 and December 31, 2023 are also presented in the following table. (Details) Sheet http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details Our actual capital ratios of December 31, 2024 and December 31, 2023 are also presented in the following table. (Details) Details 101 false false R102.htm 999106 - Disclosure - The following is a reconciliation of our GAAP capital to regulatory Tier 1, Common Equity Tier 1 and total capital: (Details) Sheet http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails The following is a reconciliation of our GAAP capital to regulatory Tier 1, Common Equity Tier 1 and total capital: (Details) Details 102 false false R103.htm 999107 - Disclosure - REGULATORY CAPITAL (Details Narrative) Sheet http://westfieldbank.com/role/RegulatoryCapitalDetailsNarrative REGULATORY CAPITAL (Details Narrative) Details http://westfieldbank.com/role/RegulatoryCapitalTables 103 false false R104.htm 999108 - Disclosure - Income taxes consist of the following: (Details) Sheet http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails Income taxes consist of the following: (Details) Details 104 false false R105.htm 999109 - Disclosure - The differences between the statutory federal income tax at a rate of 21% and the effective tax are summarized below: (Details) Sheet http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails The differences between the statutory federal income tax at a rate of 21% and the effective tax are summarized below: (Details) Details 105 false false R106.htm 999110 - Disclosure - The tax effects of each item that gives rise to deferred taxes are as follows: (Details) Sheet http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails The tax effects of each item that gives rise to deferred taxes are as follows: (Details) Details 106 false false R107.htm 999111 - Disclosure - INCOME TAXES (Details Narrative) Sheet http://westfieldbank.com/role/IncomeTaxesDetailsNarrative INCOME TAXES (Details Narrative) Details http://westfieldbank.com/role/IncomeTaxesTables 107 false false R108.htm 999112 - Disclosure - Following is a summary of activity for such loans: (Details) Sheet http://westfieldbank.com/role/FollowingIsSummaryOfActivityForSuchLoansDetails Following is a summary of activity for such loans: (Details) Details 108 false false R109.htm 999113 - Disclosure - The following summarizes these financial instruments and other commitments and contingent liabilities at their contract amounts: (Details) Sheet http://westfieldbank.com/role/FollowingSummarizesTheseFinancialInstrumentsAndOtherCommitmentsAndContingentLiabilitiesAtTheirContractAmountsDetails The following summarizes these financial instruments and other commitments and contingent liabilities at their contract amounts: (Details) Details 109 false false R110.htm 999114 - Disclosure - COMMITMENTS AND CONTINGENCIES (Details Narrative) Sheet http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative COMMITMENTS AND CONTINGENCIES (Details Narrative) Details http://westfieldbank.com/role/CommitmentsAndContingenciesTables 110 false false R111.htm 999115 - Disclosure - Assets and liabilities measured at fair value on a recurring basis are summarized below: (Details) Sheet http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails Assets and liabilities measured at fair value on a recurring basis are summarized below: (Details) Details 111 false false R112.htm 999116 - Disclosure - The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2024 and 2023. (Details) Sheet http://westfieldbank.com/role/FollowingTableSummarizesFairValueHierarchyUsedToDetermineCarryingValuesOfRelatedAssetsAsOfDecember312024And2023.Details The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2024 and 2023. (Details) Details 112 false false R113.htm 999117 - Disclosure - The estimated fair values of our financial instruments are as follows: (Details) Sheet http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails The estimated fair values of our financial instruments are as follows: (Details) Details 113 false false R114.htm 999118 - Disclosure - SEGMENT (Details Narrative) Sheet http://westfieldbank.com/role/SegmentDetailsNarrative SEGMENT (Details Narrative) Details http://westfieldbank.com/role/Segment 114 false false R115.htm 999119 - Disclosure - The condensed balance sheets of the parent company are as follows: (Details) Sheet http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails The condensed balance sheets of the parent company are as follows: (Details) Details 115 false false R116.htm 999120 - Disclosure - The condensed statements of net income for the parent company are as follows: (Details) Sheet http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails The condensed statements of net income for the parent company are as follows: (Details) Details 116 false false R117.htm 999121 - Disclosure - The condensed statements of cash flows of the parent company are as follows: (Details) Sheet http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails The condensed statements of cash flows of the parent company are as follows: (Details) Details 117 false false R118.htm 999122 - Disclosure - The following tables present a summary of our quarterly financial information for the periods indicated. (Details) Sheet http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details The following tables present a summary of our quarterly financial information for the periods indicated. (Details) Details 118 false false All Reports Book All Reports wneb-10k_123124.htm wneb-20241231.xsd wneb-20241231_cal.xml wneb-20241231_def.xml wneb-20241231_lab.xml wneb-20241231_pre.xml wneb10k001.jpg http://fasb.org/srt/2024 http://fasb.org/us-gaap/2024 http://xbrl.sec.gov/cyd/2024 http://xbrl.sec.gov/dei/2024 http://xbrl.sec.gov/ecd/2024 true true JSON 142 MetaLinks.json IDEA: XBRL DOCUMENT { "version": "2.2", "instance": { "wneb-10k_123124.htm": { "nsprefix": "wneb", "nsuri": "http://westfieldbank.com/20241231", "dts": { "inline": { "local": [ "wneb-10k_123124.htm" ] }, "schema": { "local": [ "wneb-20241231.xsd" ], "remote": [ "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd", "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd", "http://www.xbrl.org/2003/xl-2003-12-31.xsd", "http://www.xbrl.org/2003/xlink-2003-12-31.xsd", "http://www.xbrl.org/2005/xbrldt-2005.xsd", "http://www.xbrl.org/2006/ref-2006-02-27.xsd", "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/reference-2009-12-16.xsd", "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd", "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd", "https://www.xbrl.org/dtr/type/2022-03-31/types.xsd", "https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd", "https://xbrl.fasb.org/srt/2024/elts/srt-roles-2024.xsd", "https://xbrl.fasb.org/srt/2024/elts/srt-types-2024.xsd", "https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd", "https://xbrl.fasb.org/us-gaap/2024/elts/us-roles-2024.xsd", "https://xbrl.fasb.org/us-gaap/2024/elts/us-types-2024.xsd", "https://xbrl.sec.gov/country/2024/country-2024.xsd", "https://xbrl.sec.gov/cyd/2024/cyd-2024.xsd", "https://xbrl.sec.gov/dei/2024/dei-2024.xsd", "https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd", "https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd" ] }, "calculationLink": { "local": [ "wneb-20241231_cal.xml" ] }, "definitionLink": { "local": [ "wneb-20241231_def.xml" ] }, "labelLink": { "local": [ "wneb-20241231_lab.xml" ] }, "presentationLink": { "local": [ "wneb-20241231_pre.xml" ] } }, "keyStandard": 593, "keyCustom": 133, "axisStandard": 36, "axisCustom": 0, "memberStandard": 71, "memberCustom": 49, "hidden": { "total": 619, "http://fasb.org/us-gaap/2024": 529, "http://westfieldbank.com/20241231": 83, "http://xbrl.sec.gov/dei/2024": 7 }, "contextCount": 486, "entityCount": 1, "segmentCount": 120, "elementCount": 1138, "unitCount": 6, "baseTaxonomies": { "http://fasb.org/us-gaap/2024": 2787, "http://xbrl.sec.gov/dei/2024": 38, "http://xbrl.sec.gov/cyd/2024": 12, "http://fasb.org/srt/2024": 8, "http://xbrl.sec.gov/ecd/2024": 4 }, "report": { "R1": { "role": "http://westfieldbank.com/role/Cover", "longName": "00000001 - Document - Cover", "shortName": "Cover", "isDefault": "true", "groupType": "document", "subGroupType": "", "menuCat": "Cover", "order": "1", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "dei:DocumentType", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "span", "b", "span", "p", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "dei:DocumentType", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "span", "b", "span", "p", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R2": { "role": "http://westfieldbank.com/role/ConsolidatedBalanceSheets", "longName": "00000002 - Statement - CONSOLIDATED BALANCE SHEETS", "shortName": "CONSOLIDATED BALANCE SHEETS", "isDefault": "false", "groupType": "statement", "subGroupType": "", "menuCat": "Statements", "order": "2", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:CashAndDueFromBanks", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:CashAndDueFromBanks", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R3": { "role": "http://westfieldbank.com/role/ConsolidatedBalanceSheetsParenthetical", "longName": "00000003 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical)", "shortName": "CONSOLIDATED BALANCE SHEETS (Parenthetical)", "isDefault": "false", "groupType": "statement", "subGroupType": "parenthetical", "menuCat": "Statements", "order": "3", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:HeldToMaturitySecuritiesFairValue", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:PreferredStockParOrStatedValuePerShare", "unitRef": "USDPShares", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "span", "span", "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R4": { "role": "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "longName": "00000004 - Statement - CONSOLIDATED STATEMENTS OF NET INCOME", "shortName": "CONSOLIDATED STATEMENTS OF NET INCOME", "isDefault": "false", "groupType": "statement", "subGroupType": "", "menuCat": "Statements", "order": "4", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:InterestAndFeeIncomeLoansCommercialAndResidentialRealEstate", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:InterestAndFeeIncomeLoansCommercialAndResidentialRealEstate", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R5": { "role": "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome", "longName": "00000005 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME", "shortName": "CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME", "isDefault": "false", "groupType": "statement", "subGroupType": "", "menuCat": "Statements", "order": "5", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:NetIncomeLoss", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R6": { "role": "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncomeParenthetical", "longName": "00000006 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical)", "shortName": "CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical)", "isDefault": "false", "groupType": "statement", "subGroupType": "parenthetical", "menuCat": "Statements", "order": "6", "firstAnchor": { "contextRef": "From2022-01-012022-12-31", "name": "us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "0", "ancestors": [ "span", "link:footnote", "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2022-01-012022-12-31", "name": "us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "0", "ancestors": [ "span", "link:footnote", "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R7": { "role": "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity", "longName": "00000007 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY", "shortName": "CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY", "isDefault": "false", "groupType": "statement", "subGroupType": "", "menuCat": "Statements", "order": "7", "firstAnchor": { "contextRef": "AsOf2021-12-31_us-gaap_CommonStockMember", "name": "us-gaap:StockholdersEquity", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2021-12-31_us-gaap_CommonStockMember", "name": "us-gaap:StockholdersEquity", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R8": { "role": "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquityParenthetical", "longName": "00000008 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical)", "shortName": "CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical)", "isDefault": "false", "groupType": "statement", "subGroupType": "parenthetical", "menuCat": "Statements", "order": "8", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares", "unitRef": "Shares", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:StockRepurchasedAndRetiredDuringPeriodShares", "unitRef": "Shares", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "span", "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R9": { "role": "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows", "longName": "00000009 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS", "shortName": "CONSOLIDATED STATEMENTS OF CASH FLOWS", "isDefault": "false", "groupType": "statement", "subGroupType": "", "menuCat": "Statements", "order": "9", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:NetIncomeLoss", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:DepreciationNonproduction", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R10": { "role": "http://xbrl.sec.gov/ecd/role/PvpDisclosure", "longName": "995410 - Disclosure - Pay vs Performance Disclosure", "shortName": "Pay vs Performance Disclosure", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "10", "firstAnchor": { "contextRef": "From2024-10-012024-12-31", "name": "us-gaap:NetIncomeLoss", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock", "us-gaap:QuarterlyFinancialInformationTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": null }, "R11": { "role": "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements", "longName": "995445 - Disclosure - Insider Trading Arrangements", "shortName": "Insider Trading Arrangements", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "11", "firstAnchor": { "contextRef": "From2024-10-012024-12-31", "name": "ecd:Rule10b51ArrAdoptedFlag", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "span", "span", "span", "span", "span", "p", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-10-012024-12-31", "name": "ecd:Rule10b51ArrAdoptedFlag", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "span", "span", "span", "span", "span", "p", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R12": { "role": "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure", "longName": "995550 - Disclosure - Cybersecurity Risk Management and Strategy Disclosure", "shortName": "Cybersecurity Risk Management and Strategy Disclosure", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "12", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "cyd:CybersecurityRiskManagementProcessesForAssessingIdentifyingAndManagingThreatsTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "cyd:CybersecurityRiskManagementProcessesIntegratedFlag", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "span", "span", "p", "cyd:CybersecurityRiskManagementProcessesForAssessingIdentifyingAndManagingThreatsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R13": { "role": "http://westfieldbank.com/role/RiskManagementStrategy.", "longName": "999017 - Disclosure - Risk Management & Strategy.", "shortName": "Risk Management & Strategy.", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "13", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "cyd:CybersecurityRiskManagementProcessesForAssessingIdentifyingAndManagingThreatsTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": null }, "R14": { "role": "http://westfieldbank.com/role/Governance.", "longName": "999018 - Disclosure - Governance.", "shortName": "Governance.", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "14", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "cyd:CybersecurityRiskBoardOfDirectorsOversightTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": null }, "R15": { "role": "http://westfieldbank.com/role/SummaryOfSignificantAccountingPolicies", "longName": "999019 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES", "shortName": "SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "15", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:BusinessDescriptionAndAccountingPoliciesTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:BusinessDescriptionAndAccountingPoliciesTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R16": { "role": "http://westfieldbank.com/role/InvestmentSecurities", "longName": "999020 - Disclosure - INVESTMENT SECURITIES", "shortName": "INVESTMENT SECURITIES", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "16", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R17": { "role": "http://westfieldbank.com/role/LoansAndAllowanceForCreditLosses", "longName": "999021 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES", "shortName": "LOANS AND ALLOWANCE FOR CREDIT LOSSES", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "17", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R18": { "role": "http://westfieldbank.com/role/PremisesAndEquipment", "longName": "999022 - Disclosure - PREMISES AND EQUIPMENT", "shortName": "PREMISES AND EQUIPMENT", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "18", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R19": { "role": "http://westfieldbank.com/role/GoodwillAndOtherIntangibles", "longName": "999023 - Disclosure - GOODWILL AND OTHER INTANGIBLES", "shortName": "GOODWILL AND OTHER INTANGIBLES", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "19", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R20": { "role": "http://westfieldbank.com/role/Deposits", "longName": "999024 - Disclosure - DEPOSITS", "shortName": "DEPOSITS", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "20", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:DepositLiabilitiesDisclosuresTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:DepositLiabilitiesDisclosuresTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R21": { "role": "http://westfieldbank.com/role/Short-termBorrowings", "longName": "999025 - Disclosure - SHORT-TERM BORROWINGS", "shortName": "SHORT-TERM BORROWINGS", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "21", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ShortTermDebtTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ShortTermDebtTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R22": { "role": "http://westfieldbank.com/role/Long-termDebt", "longName": "999026 - Disclosure - LONG-TERM DEBT", "shortName": "LONG-TERM DEBT", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "22", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:LongTermDebtTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:LongTermDebtTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R23": { "role": "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlan", "longName": "999027 - Disclosure - STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN", "shortName": "STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "23", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R24": { "role": "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefits", "longName": "999028 - Disclosure - RETIREMENT PLANS AND EMPLOYEE BENEFITS", "shortName": "RETIREMENT PLANS AND EMPLOYEE BENEFITS", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "24", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R25": { "role": "http://westfieldbank.com/role/DerivativesAndHedgingActivities", "longName": "999029 - Disclosure - DERIVATIVES AND HEDGING ACTIVITIES", "shortName": "DERIVATIVES AND HEDGING ACTIVITIES", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "25", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R26": { "role": "http://westfieldbank.com/role/Leases", "longName": "999030 - Disclosure - LEASES", "shortName": "LEASES", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "26", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:LesseeOperatingLeasesTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:LesseeOperatingLeasesTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R27": { "role": "http://westfieldbank.com/role/RegulatoryCapital", "longName": "999031 - Disclosure - REGULATORY CAPITAL", "shortName": "REGULATORY CAPITAL", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "27", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R28": { "role": "http://westfieldbank.com/role/IncomeTaxes", "longName": "999032 - Disclosure - INCOME TAXES", "shortName": "INCOME TAXES", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "28", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:IncomeTaxDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:IncomeTaxDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R29": { "role": "http://westfieldbank.com/role/TransactionsWithDirectorsAndExecutiveOfficers", "longName": "999033 - Disclosure - TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS", "shortName": "TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "29", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:RelatedPartyTransactionsDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:RelatedPartyTransactionsDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R30": { "role": "http://westfieldbank.com/role/CommitmentsAndContingencies", "longName": "999034 - Disclosure - COMMITMENTS AND CONTINGENCIES", "shortName": "COMMITMENTS AND CONTINGENCIES", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "30", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:CommitmentsAndContingenciesDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:CommitmentsAndContingenciesDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R31": { "role": "http://westfieldbank.com/role/FairValueOfAssetsAndLiablities", "longName": "999035 - Disclosure - FAIR VALUE OF ASSETS AND LIABLITIES", "shortName": "FAIR VALUE OF ASSETS AND LIABLITIES", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "31", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:FairValueDisclosuresTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:FairValueDisclosuresTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R32": { "role": "http://westfieldbank.com/role/Segment", "longName": "999036 - Disclosure - SEGMENT", "shortName": "SEGMENT", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "32", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:SegmentReportingDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:SegmentReportingDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R33": { "role": "http://westfieldbank.com/role/CondensedParentCompanyFinancialStatements", "longName": "999037 - Disclosure - CONDENSED PARENT COMPANY FINANCIAL STATEMENTS", "shortName": "CONDENSED PARENT COMPANY FINANCIAL STATEMENTS", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "33", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R34": { "role": "http://westfieldbank.com/role/SummaryOfQuarterlyFinancialInformation", "longName": "999038 - Disclosure - SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED)", "shortName": "SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "", "menuCat": "Notes", "order": "34", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:QuarterlyFinancialInformationTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:QuarterlyFinancialInformationTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R35": { "role": "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies", "longName": "999039 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)", "shortName": "SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "policies", "menuCat": "Policies", "order": "35", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:NatureOfOperations", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:BusinessDescriptionAndAccountingPoliciesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:NatureOfOperations", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:BusinessDescriptionAndAccountingPoliciesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R36": { "role": "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesTables", "longName": "999040 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)", "shortName": "SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "36", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "wneb:ScheduleOfEstimatedUsefulLivesOfAssetsTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:PropertyPlantAndEquipmentPolicyTextBlock", "us-gaap:BusinessDescriptionAndAccountingPoliciesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "wneb:ScheduleOfEstimatedUsefulLivesOfAssetsTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:PropertyPlantAndEquipmentPolicyTextBlock", "us-gaap:BusinessDescriptionAndAccountingPoliciesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R37": { "role": "http://westfieldbank.com/role/InvestmentSecuritiesTables", "longName": "999041 - Disclosure - INVESTMENT SECURITIES (Tables)", "shortName": "INVESTMENT SECURITIES (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "37", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:MarketableSecuritiesTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:MarketableSecuritiesTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R38": { "role": "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesTables", "longName": "999042 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)", "shortName": "LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "38", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R39": { "role": "http://westfieldbank.com/role/PremisesAndEquipmentTables", "longName": "999043 - Disclosure - PREMISES AND EQUIPMENT (Tables)", "shortName": "PREMISES AND EQUIPMENT (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "39", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:PropertyPlantAndEquipmentTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:PropertyPlantAndEquipmentTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R40": { "role": "http://westfieldbank.com/role/DepositsTables", "longName": "999044 - Disclosure - DEPOSITS (Tables)", "shortName": "DEPOSITS (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "40", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "wneb:ScheduleOfDepositsTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:DepositLiabilitiesDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "wneb:ScheduleOfDepositsTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:DepositLiabilitiesDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R41": { "role": "http://westfieldbank.com/role/Long-termDebtTables", "longName": "999045 - Disclosure - LONG-TERM DEBT (Tables)", "shortName": "LONG-TERM DEBT (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "41", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "wneb:AdvancesFromFederalHomeLoanBankAndOtherBorrowingsMaturitiesTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:LongTermDebtTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "wneb:AdvancesFromFederalHomeLoanBankAndOtherBorrowingsMaturitiesTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:LongTermDebtTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R42": { "role": "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanTables", "longName": "999046 - Disclosure - STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN (Tables)", "shortName": "STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "42", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "wneb:ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2021TableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "wneb:ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2021TableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R43": { "role": "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsTables", "longName": "999047 - Disclosure - RETIREMENT PLANS AND EMPLOYEE BENEFITS (Tables)", "shortName": "RETIREMENT PLANS AND EMPLOYEE BENEFITS (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "43", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ScheduleOfDefinedBenefitPlansDisclosuresTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ScheduleOfDefinedBenefitPlansDisclosuresTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R44": { "role": "http://westfieldbank.com/role/DerivativesAndHedgingActivitiesTables", "longName": "999048 - Disclosure - DERIVATIVES AND HEDGING ACTIVITIES (Tables)", "shortName": "DERIVATIVES AND HEDGING ACTIVITIES (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "44", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R45": { "role": "http://westfieldbank.com/role/LeasesTables", "longName": "999049 - Disclosure - LEASES (Tables)", "shortName": "LEASES (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "45", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:CashFlowSupplementalDisclosuresTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:LesseeOperatingLeasesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:CashFlowSupplementalDisclosuresTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:LesseeOperatingLeasesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R46": { "role": "http://westfieldbank.com/role/RegulatoryCapitalTables", "longName": "999050 - Disclosure - REGULATORY CAPITAL (Tables)", "shortName": "REGULATORY CAPITAL (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "46", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R47": { "role": "http://westfieldbank.com/role/IncomeTaxesTables", "longName": "999051 - Disclosure - INCOME TAXES (Tables)", "shortName": "INCOME TAXES (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "47", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:IncomeTaxDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:IncomeTaxDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R48": { "role": "http://westfieldbank.com/role/TransactionsWithDirectorsAndExecutiveOfficersTables", "longName": "999052 - Disclosure - TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS (Tables)", "shortName": "TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "48", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ScheduleOfRelatedPartyTransactionsTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:RelatedPartyTransactionsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ScheduleOfRelatedPartyTransactionsTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:RelatedPartyTransactionsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R49": { "role": "http://westfieldbank.com/role/CommitmentsAndContingenciesTables", "longName": "999053 - Disclosure - COMMITMENTS AND CONTINGENCIES (Tables)", "shortName": "COMMITMENTS AND CONTINGENCIES (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "49", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:OtherCommitmentsTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:CommitmentsAndContingenciesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:OtherCommitmentsTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:CommitmentsAndContingenciesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R50": { "role": "http://westfieldbank.com/role/FairValueOfAssetsAndLiablitiesTables", "longName": "999054 - Disclosure - FAIR VALUE OF ASSETS AND LIABLITIES (Tables)", "shortName": "FAIR VALUE OF ASSETS AND LIABLITIES (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "50", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:FairValueDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:FairValueDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R51": { "role": "http://westfieldbank.com/role/CondensedParentCompanyFinancialStatementsTables", "longName": "999055 - Disclosure - CONDENSED PARENT COMPANY FINANCIAL STATEMENTS (Tables)", "shortName": "CONDENSED PARENT COMPANY FINANCIAL STATEMENTS (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "51", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "srt:ScheduleOfCondensedBalanceSheetTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "srt:ScheduleOfCondensedBalanceSheetTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R52": { "role": "http://westfieldbank.com/role/SummaryOfQuarterlyFinancialInformationTables", "longName": "999056 - Disclosure - SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Tables)", "shortName": "SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Tables)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "tables", "menuCat": "Tables", "order": "52", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:QuarterlyFinancialInformationTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "us-gaap:QuarterlyFinancialInformationTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R53": { "role": "http://westfieldbank.com/role/EstimatedUsefulLivesOfAssetsAreAsFollowsDetails", "longName": "999057 - Disclosure - The estimated useful lives of the assets are as follows: (Details)", "shortName": "The estimated useful lives of the assets are as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "53", "firstAnchor": { "contextRef": "AsOf2024-12-31_us-gaap_BuildingMember", "name": "us-gaap:PropertyPlantAndEquipmentUsefulLife", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "span", "span", "td", "tr", "table", "wneb:ScheduleOfEstimatedUsefulLivesOfAssetsTableTextBlock", "us-gaap:PropertyPlantAndEquipmentPolicyTextBlock", "us-gaap:BusinessDescriptionAndAccountingPoliciesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31_us-gaap_BuildingMember", "name": "us-gaap:PropertyPlantAndEquipmentUsefulLife", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "span", "span", "td", "tr", "table", "wneb:ScheduleOfEstimatedUsefulLivesOfAssetsTableTextBlock", "us-gaap:PropertyPlantAndEquipmentPolicyTextBlock", "us-gaap:BusinessDescriptionAndAccountingPoliciesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R54": { "role": "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails", "longName": "999058 - Disclosure - Earnings per common share for the years ended December 31, 2024, 2023 and 2022 have been computed based on the following: (Details)", "shortName": "Earnings per common share for the years ended December 31, 2024, 2023 and 2022 have been computed based on the following: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "54", "firstAnchor": { "contextRef": "From2024-10-012024-12-31", "name": "us-gaap:NetIncomeLoss", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock", "us-gaap:QuarterlyFinancialInformationTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:WeightedAverageNumberOfSharesIssuedBasic", "unitRef": "Shares", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock", "us-gaap:EarningsPerSharePolicyTextBlock", "us-gaap:BusinessDescriptionAndAccountingPoliciesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R55": { "role": "http://westfieldbank.com/role/ComponentsOfAccumulatedOtherComprehensiveLossIncludedInShareholdersEquityAreAsFollowsDetails", "longName": "999059 - Disclosure - The components of accumulated other comprehensive loss, included in shareholders\u2019 equity, are as follows: (Details)", "shortName": "The components of accumulated other comprehensive loss, included in shareholders\u2019 equity, are as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "55", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember", "name": "us-gaap:AccumulatedOtherComprehensiveIncomeLossBeforeTax1", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfComprehensiveIncomeLossTableTextBlock", "us-gaap:ComprehensiveIncomePolicyPolicyTextBlock", "us-gaap:BusinessDescriptionAndAccountingPoliciesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R56": { "role": "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative", "longName": "999060 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative)", "shortName": "SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "56", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "wneb:NumberOfBankingOfficesInWhichBankOperates", "unitRef": "Number", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "span", "span", "p", "us-gaap:NatureOfOperations", "us-gaap:BusinessDescriptionAndAccountingPoliciesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "wneb:NumberOfBankingOfficesInWhichBankOperates", "unitRef": "Number", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "span", "span", "p", "us-gaap:NatureOfOperations", "us-gaap:BusinessDescriptionAndAccountingPoliciesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R57": { "role": "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details", "longName": "999061 - Disclosure - The following tables summarize the amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024 and December 31, 2023 (Details)", "shortName": "The following tables summarize the amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024 and December 31, 2023 (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "57", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:MarketableSecuritiesTextBlock", "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:MarketableSecuritiesTextBlock", "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R58": { "role": "http://westfieldbank.com/role/FollowingTablePresentsUnrealizedGainsLossesRecognizedOnMarketableEquitySecuritiesForYearsIndicatedDetails", "longName": "999062 - Disclosure - The following table presents the unrealized gains (losses) recognized on marketable equity securities for the years indicated: (Details)", "shortName": "The following table presents the unrealized gains (losses) recognized on marketable equity securities for the years indicated: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "58", "firstAnchor": { "contextRef": "From2024-10-012024-12-31", "name": "us-gaap:EquitySecuritiesFvNiUnrealizedGainLoss", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock", "us-gaap:QuarterlyFinancialInformationTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "From2022-01-012022-12-31", "name": "us-gaap:EquitySecuritiesFvNiRealizedGainLoss", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:InvestmentsInDebtAndEquityInstrumentsCashAndCashEquivalentsUnrealizedAndRealizedGainsLossesTextBlock", "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R59": { "role": "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details", "longName": "999063 - Disclosure - The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024, by final maturity, are shown below. (Details)", "shortName": "The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024, by final maturity, are shown below. (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "59", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:MarketableSecuritiesTextBlock", "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31_us-gaap_DebtSecuritiesMember", "name": "us-gaap:HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock", "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R60": { "role": "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details", "longName": "999064 - Disclosure - The following tables summarize the gross unrealized losses and fair value of the Company\u2019s securities available-for-sale and held-to-maturity, segregated by the duration of their continuous unrealized loss positions at December 31, 2024 and 2023: (Details)", "shortName": "The following tables summarize the gross unrealized losses and fair value of the Company\u2019s securities available-for-sale and held-to-maturity, segregated by the duration of their continuous unrealized loss positions at December 31, 2024 and 2023: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "60", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions", "unitRef": "Number", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "td", "tr", "table", "us-gaap:UnrealizedGainLossOnInvestmentsTableTextBlock", "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions", "unitRef": "Number", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "td", "tr", "table", "us-gaap:UnrealizedGainLossOnInvestmentsTableTextBlock", "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R61": { "role": "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative", "longName": "999065 - Disclosure - INVESTMENT SECURITIES (Details Narrative)", "shortName": "INVESTMENT SECURITIES (Details Narrative)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "61", "firstAnchor": { "contextRef": "From2023-04-012023-06-30", "name": "us-gaap:ProceedsFromSaleAndMaturityOfMarketableSecurities", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "From2022-01-012022-12-31", "name": "us-gaap:DebtSecuritiesAvailableForSaleRealizedLoss", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "span", "span", "p", "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R62": { "role": "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails", "longName": "999066 - Disclosure - The following table presents the summary of the loan portfolio by the major classification of the loan at the periods indicated: (Details)", "shortName": "The following table presents the summary of the loan portfolio by the major classification of the loan at the periods indicated: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "62", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock", "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:FinancingReceivableUnamortizedPurchasePremiumDiscount", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock", "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R63": { "role": "http://westfieldbank.com/role/SummaryOfActivityInBalancesOfMortgageServicingRightsFollowsDetails", "longName": "999067 - Disclosure - A summary of the activity in the balances of mortgage servicing rights follows: (Details)", "shortName": "A summary of the activity in the balances of mortgage servicing rights follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "63", "firstAnchor": { "contextRef": "AsOf2023-12-31", "name": "us-gaap:ServicingAssetAtAmortizedValue", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfServicingAssetsAtAmortizedValueTextBlock", "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2022-12-31", "name": "us-gaap:ServicingAssetAtAmortizedValue", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfServicingAssetsAtAmortizedValueTextBlock", "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R64": { "role": "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails", "longName": "999068 - Disclosure - An analysis of changes in the allowance for credit losses for loans and off-balance sheet commitments by segment for the years ended December 31, 2024 and 2023 is as follows: (Details)", "shortName": "An analysis of changes in the allowance for credit losses for loans and off-balance sheet commitments by segment for the years ended December 31, 2024 and 2023 is as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "64", "firstAnchor": { "contextRef": "AsOf2023-12-31", "name": "us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock", "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R65": { "role": "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails", "longName": "999069 - Disclosure - The following tables present an age analysis of past due loans as of the dates indicated: (Details)", "shortName": "The following tables present an age analysis of past due loans as of the dates indicated: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "65", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock", "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31_us-gaap_FinancingReceivables30To59DaysPastDueMember", "name": "us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:PastDueFinancingReceivablesTableTextBlock", "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R66": { "role": "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details", "longName": "999070 - Disclosure - The following table is a summary of the Company\u2019s nonperforming loans by major categories at December 31, 2024 and December 31, 2023: (Details)", "shortName": "The following table is a summary of the Company\u2019s nonperforming loans by major categories at December 31, 2024 and December 31, 2023: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "66", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:FinancingReceivableNonaccrualNoAllowance", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock", "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:FinancingReceivableNonaccrualNoAllowance", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock", "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R67": { "role": "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails", "longName": "999071 - Disclosure - The following table summarizes the Company\u2019s individually evaluated collateral dependent loans by class as of the dates indicated: (Details)", "shortName": "The following table summarizes the Company\u2019s individually evaluated collateral dependent loans by class as of the dates indicated: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "67", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "wneb:ScheduleOfindividuallyEvaluatedCollateralDependentLoansTableTextBlock", "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "wneb:ScheduleOfindividuallyEvaluatedCollateralDependentLoansTableTextBlock", "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R68": { "role": "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details", "longName": "999072 - Disclosure - The following tables summarize the amortized cost basis by aggregate Pass and criticized categories of Special Mention and Substandard within the Company\u2019s internal risk rating system by year of origination as of December 31, 2024 and 2023. (Details)", "shortName": "The following tables summarize the amortized cost basis by aggregate Pass and criticized categories of Special Mention and Substandard within the Company\u2019s internal risk rating system by year of origination as of December 31, 2024 and 2023. (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "68", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock", "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31_us-gaap_CommercialRealEstateMember", "name": "us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock", "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R69": { "role": "http://westfieldbank.com/role/FollowingTableSummarizesInformationAboutTotalLoansRatedSpecialMentionSubstandardDoubtfulOrLossForPeriodsNoted.Details", "longName": "999073 - Disclosure - The following table summarizes information about total loans rated Special Mention, Substandard, Doubtful or Loss for the periods noted. (Details)", "shortName": "The following table summarizes information about total loans rated Special Mention, Substandard, Doubtful or Loss for the periods noted. (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "69", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock", "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31_us-gaap_SpecialMentionMember", "name": "us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "wneb:ScheduleOfLoansRatedDetailsTableTextblock", "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R70": { "role": "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative", "longName": "999074 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES (Details Narrative)", "shortName": "LOANS AND ALLOWANCE FOR CREDIT LOSSES (Details Narrative)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "70", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "wneb:WeightedAveragePrepaymentSpeedPublicSecuritiesAssociationStandardPrepaymentModel", "unitRef": "Pure", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "span", "span", "p", "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R71": { "role": "http://westfieldbank.com/role/PremisesAndEquipmentAreSummarizedAsFollowsDetails", "longName": "999075 - Disclosure - Premises and equipment are summarized as follows: (Details)", "shortName": "Premises and equipment are summarized as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "71", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:PropertyPlantAndEquipmentGross", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:PropertyPlantAndEquipmentTextBlock", "us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:PropertyPlantAndEquipmentGross", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:PropertyPlantAndEquipmentTextBlock", "us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R72": { "role": "http://westfieldbank.com/role/PremisesAndEquipmentDetailsNarrative", "longName": "999076 - Disclosure - PREMISES AND EQUIPMENT (Details Narrative)", "shortName": "PREMISES AND EQUIPMENT (Details Narrative)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "72", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:DepreciationAndAmortization", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:DepreciationAndAmortization", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R73": { "role": "http://westfieldbank.com/role/GoodwillAndOtherIntangiblesDetailsNarrative", "longName": "999077 - Disclosure - GOODWILL AND OTHER INTANGIBLES (Details Narrative)", "shortName": "GOODWILL AND OTHER INTANGIBLES (Details Narrative)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "73", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:AmortizationOfIntangibleAssets", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31_us-gaap_CoreDepositsMember", "name": "us-gaap:FiniteLivedCoreDepositsGross", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R74": { "role": "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails", "longName": "999078 - Disclosure - Deposit accounts, by type, are summarized as follows for the periods indicated: (Details)", "shortName": "Deposit accounts, by type, are summarized as follows for the periods indicated: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "74", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:InterestBearingDomesticDepositDemand", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "wneb:ScheduleOfDepositsTableTextBlock", "us-gaap:DepositLiabilitiesDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:InterestBearingDomesticDepositDemand", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "wneb:ScheduleOfDepositsTableTextBlock", "us-gaap:DepositLiabilitiesDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R75": { "role": "http://westfieldbank.com/role/ScheduledMaturitiesOfTimeDepositsForPeriodsIndicatedAreAsFollowsDetails", "longName": "999079 - Disclosure - The scheduled maturities of time deposits for the periods indicated are as follows: (Details)", "shortName": "The scheduled maturities of time deposits for the periods indicated are as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "75", "firstAnchor": { "contextRef": "AsOf2023-12-31", "name": "us-gaap:TimeDepositMaturitiesYearOne", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "wneb:ScheduleOfMaturitiesOfTimeDepositsTableTextBlock", "us-gaap:DepositLiabilitiesDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2023-12-31", "name": "us-gaap:TimeDepositMaturitiesYearOne", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "wneb:ScheduleOfMaturitiesOfTimeDepositsTableTextBlock", "us-gaap:DepositLiabilitiesDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R76": { "role": "http://westfieldbank.com/role/InterestExpenseOnDepositsForYearsEndedDecember3120242023And2022IsSummarizedAsFollowsDetails", "longName": "999080 - Disclosure - Interest expense on deposits for the years ended December 31, 2024, 2023 and 2022 is summarized as follows: (Details)", "shortName": "Interest expense on deposits for the years ended December 31, 2024, 2023 and 2022 is summarized as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "76", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:InterestExpenseDomesticDepositLiabilitiesSavings", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "wneb:ScheduleOfInterestExpenseOnDepositsTableTextBlock", "us-gaap:DepositLiabilitiesDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:InterestExpenseDomesticDepositLiabilitiesSavings", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "wneb:ScheduleOfInterestExpenseOnDepositsTableTextBlock", "us-gaap:DepositLiabilitiesDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R77": { "role": "http://westfieldbank.com/role/DepositsDetailsNarrative", "longName": "999081 - Disclosure - DEPOSITS (Details Narrative)", "shortName": "DEPOSITS (Details Narrative)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "77", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "wneb:BrokeredDeposits", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "span", "p", "us-gaap:DepositLiabilitiesDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "wneb:BrokeredDeposits", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "span", "p", "us-gaap:DepositLiabilitiesDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R78": { "role": "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative", "longName": "999082 - Disclosure - SHORT-TERM BORROWINGS (Details Narrative)", "shortName": "SHORT-TERM BORROWINGS (Details Narrative)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "78", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:ShortTermBorrowings", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:OtherBorrowings", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:ShortTermDebtTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R79": { "role": "http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details", "longName": "999083 - Disclosure - The following advances are collateralized by a blanket lien on our residential real estate loans and certain eligible commercial real estate loans. (Details)", "shortName": "The following advances are collateralized by a blanket lien on our residential real estate loans and certain eligible commercial real estate loans. (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "79", "firstAnchor": { "contextRef": "AsOf2023-12-31", "name": "us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "wneb:AdvancesFromFederalHomeLoanBankAndOtherBorrowingsMaturitiesTableTextBlock", "us-gaap:LongTermDebtTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2023-12-31", "name": "us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "wneb:AdvancesFromFederalHomeLoanBankAndOtherBorrowingsMaturitiesTableTextBlock", "us-gaap:LongTermDebtTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R80": { "role": "http://westfieldbank.com/role/Long-termDebtDetailsNarrative", "longName": "999084 - Disclosure - LONG-TERM DEBT (Details Narrative)", "shortName": "LONG-TERM DEBT (Details Narrative)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "80", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:SubordinatedDebt", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2021-04-20_us-gaap_SubordinatedDebtMember", "name": "us-gaap:DebtInstrumentFaceAmount", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-6", "ancestors": [ "span", "span", "p", "us-gaap:LongTermDebtTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R81": { "role": "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails", "longName": "999085 - Disclosure - The Threshold, Target and Stretch metrics under the 2021 LTI Plan are as follows: (Details)", "shortName": "The Threshold, Target and Stretch metrics under the 2021 LTI Plan are as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "81", "firstAnchor": { "contextRef": "From2021-01-012021-12-31_custom_LongTermIncentiveProgramCurrent2021Member_custom_ThresholdMember", "name": "wneb:PercentageOfPerformanceEarnedDuringYearOne", "unitRef": "Pure", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "span", "td", "tr", "table", "wneb:ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2021TableTextBlock", "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2021-01-012021-12-31_custom_LongTermIncentiveProgramCurrent2021Member_custom_ThresholdMember", "name": "wneb:PercentageOfPerformanceEarnedDuringYearOne", "unitRef": "Pure", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "span", "td", "tr", "table", "wneb:ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2021TableTextBlock", "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R82": { "role": "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2022LtiPlanAreAsFollowsDetails", "longName": "999086 - Disclosure - The Threshold, Target and Stretch metrics under the 2022 LTI Plan are as follows: (Details)", "shortName": "The Threshold, Target and Stretch metrics under the 2022 LTI Plan are as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "82", "firstAnchor": { "contextRef": "From2022-01-012022-12-31_custom_LongTermIncentiveProgramCurrent2022Member_custom_ThresholdMember", "name": "wneb:PercentageOfPerformanceEarnedDuringYearFour", "unitRef": "Pure", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "span", "td", "tr", "table", "wneb:ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2022TableTextBlock", "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2022-01-012022-12-31_custom_LongTermIncentiveProgramCurrent2022Member_custom_ThresholdMember", "name": "wneb:PercentageOfPerformanceEarnedDuringYearFour", "unitRef": "Pure", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "span", "td", "tr", "table", "wneb:ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2022TableTextBlock", "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R83": { "role": "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2023LtiPlanAreAsFollowsDetails", "longName": "999087 - Disclosure - The Threshold, Target and Stretch metrics under the 2023 LTI Plan are as follows: (Details)", "shortName": "The Threshold, Target and Stretch metrics under the 2023 LTI Plan are as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "83", "firstAnchor": { "contextRef": "From2023-01-012023-12-31_custom_LongTermIncentiveProgramCurrent2023Member_custom_ThresholdMember", "name": "wneb:PercentageOfPerformanceEarnedDuringYearSeven", "unitRef": "Pure", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "span", "td", "tr", "table", "wneb:ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2023TableTextBlock", "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2023-01-012023-12-31_custom_LongTermIncentiveProgramCurrent2023Member_custom_ThresholdMember", "name": "wneb:PercentageOfPerformanceEarnedDuringYearSeven", "unitRef": "Pure", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "span", "td", "tr", "table", "wneb:ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2023TableTextBlock", "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R84": { "role": "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2024LtiPlanAreAsFollowsDetails", "longName": "999088 - Disclosure - The Threshold, Target and Stretch metrics under the 2024 LTI Plan are as follows: (Details)", "shortName": "The Threshold, Target and Stretch metrics under the 2024 LTI Plan are as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "84", "firstAnchor": { "contextRef": "From2024-01-012024-12-31_custom_LongTermIncentiveProgramCurrent2024Member_custom_ThresholdMember", "name": "wneb:PercentageOfPerformanceEarnedDuringYearTen", "unitRef": "Pure", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "span", "td", "tr", "table", "wneb:ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2024TableTextBlock", "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-012024-12-31_custom_LongTermIncentiveProgramCurrent2024Member_custom_ThresholdMember", "name": "wneb:PercentageOfPerformanceEarnedDuringYearTen", "unitRef": "Pure", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "span", "td", "tr", "table", "wneb:ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2024TableTextBlock", "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R85": { "role": "http://westfieldbank.com/role/SummaryOfStatusOfUnvestedRestrictedStockAwardsAtDecember312024And2023IsPresentedBelowDetails", "longName": "999089 - Disclosure - A summary of the status of unvested restricted stock awards at December 31, 2024 and 2023 is presented below: (Details)", "shortName": "A summary of the status of unvested restricted stock awards at December 31, 2024 and 2023 is presented below: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "85", "firstAnchor": { "contextRef": "AsOf2023-12-31_us-gaap_RestrictedStockMember", "name": "us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber", "unitRef": "Shares", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "td", "tr", "table", "us-gaap:NonvestedRestrictedStockSharesActivityTableTextBlock", "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2022-12-31_us-gaap_RestrictedStockMember", "name": "us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber", "unitRef": "Shares", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "td", "tr", "table", "us-gaap:NonvestedRestrictedStockSharesActivityTableTextBlock", "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R86": { "role": "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails", "longName": "999090 - Disclosure - At December 31, 2024, the remaining principal balances are payable as follows: (Details)", "shortName": "At December 31, 2024, the remaining principal balances are payable as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "86", "firstAnchor": { "contextRef": "AsOf2024-12-31_custom_LoanToEmployeeStockOwnershipPlanTrustMember", "name": "us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfOtherShareBasedCompensationActivityTableTextBlock", "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31_custom_LoanToEmployeeStockOwnershipPlanTrustMember", "name": "us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfOtherShareBasedCompensationActivityTableTextBlock", "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R87": { "role": "http://westfieldbank.com/role/SharesHeldByEsopIncludeFollowingAtDecember312024And2023Details", "longName": "999091 - Disclosure - Shares held by the ESOP include the following at December 31, 2024 and 2023: (Details)", "shortName": "Shares held by the ESOP include the following at December 31, 2024 and 2023: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "87", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares", "unitRef": "Shares", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfEmployeeStockOwnershipPlanESOPDisclosuresTextBlock", "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares", "unitRef": "Shares", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfEmployeeStockOwnershipPlanESOPDisclosuresTextBlock", "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R88": { "role": "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "longName": "999092 - Disclosure - STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN (Details Narrative)", "shortName": "STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN (Details Narrative)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "88", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:RestrictedStockExpense", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:RestrictedStockExpense", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R89": { "role": "http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details", "longName": "999093 - Disclosure - The following table provides information related to the DB Plan for the year ended December 31, 2023: (Details)", "shortName": "The following table provides information related to the DB Plan for the year ended December 31, 2023: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "89", "firstAnchor": { "contextRef": "AsOf2022-12-31", "name": "us-gaap:DefinedBenefitPlanBenefitObligation", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfDefinedBenefitPlansDisclosuresTextBlock", "us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2022-12-31", "name": "us-gaap:DefinedBenefitPlanBenefitObligation", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfDefinedBenefitPlansDisclosuresTextBlock", "us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R90": { "role": "http://westfieldbank.com/role/NetPensionCostIncludesFollowingComponentsForYearEndedDecember312023Details", "longName": "999094 - Disclosure - Net pension cost includes the following components for the year ended December 31, 2023: (Details)", "shortName": "Net pension cost includes the following components for the year ended December 31, 2023: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "90", "firstAnchor": { "contextRef": "From2023-01-012023-12-31", "name": "us-gaap:DefinedBenefitPlanInterestCost", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfDefinedBenefitPlansDisclosuresTextBlock", "us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "wneb:DefinedBenefitPlanNetPeriodicBenefitCostCreditInterestCostStatementOfIncomeOrComprehensiveIncomeExtensibleListNotDisclosedFlag", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "span", "td", "tr", "table", "wneb:DefinedBenefitPlanNetPeriodicBenefitCostTableTextBlock", "us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R91": { "role": "http://westfieldbank.com/role/FollowingActuarialAssumptionsWereUsedInDeterminingNetPeriodicPensionCostForYearEndedDecember312023Details", "longName": "999095 - Disclosure - The following actuarial assumptions were used in determining the net periodic pension cost for the year ended December 31, 2023: (Details)", "shortName": "The following actuarial assumptions were used in determining the net periodic pension cost for the year ended December 31, 2023: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "91", "firstAnchor": { "contextRef": "AsOf2023-12-31", "name": "us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate", "unitRef": "Pure", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "td", "tr", "table", "wneb:DefinedBenefitPlanAssumptionsUsedInCalculationsTableTextBlock", "us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "From2023-01-012023-12-31", "name": "us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets", "unitRef": "Pure", "xsiNil": "false", "lang": null, "decimals": "INF", "ancestors": [ "td", "tr", "table", "wneb:DefinedBenefitPlanAssumptionsUsedInCalculationsTableTextBlock", "us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R92": { "role": "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative", "longName": "999096 - Disclosure - RETIREMENT PLANS AND EMPLOYEE BENEFITS (Details Narrative)", "shortName": "RETIREMENT PLANS AND EMPLOYEE BENEFITS (Details Narrative)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "92", "firstAnchor": { "contextRef": "From2022-01-012022-12-31", "name": "us-gaap:DefinedBenefitPlanRecognizedNetGainLossDueToCurtailments", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "From2024-01-012024-12-31_custom_DefinedContributionPension1Member", "name": "us-gaap:DefinedContributionPlanCostRecognized", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "span", "span", "p", "us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R93": { "role": "http://westfieldbank.com/role/AsOfDecember312023FollowingAmountsWereRecordedOnBalanceSheetRelatedToCumulativeBasisAdjustmentOfFairValueHedgesDetails", "longName": "999097 - Disclosure - As of December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges: (Details)", "shortName": "As of December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "93", "firstAnchor": { "contextRef": "AsOf2023-12-31", "name": "us-gaap:HedgedAssetFairValueHedge", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock", "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2023-12-31", "name": "us-gaap:HedgedAssetFairValueHedge", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock", "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R94": { "role": "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details", "longName": "999098 - Disclosure - The tables below present 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 December 31, 2024 and December 31, 2023. (Details)", "shortName": "The tables below present 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 December 31, 2024 and December 31, 2023. (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "94", "firstAnchor": { "contextRef": "AsOf2024-12-31_us-gaap_NondesignatedMember", "name": "us-gaap:DerivativeFairValueOfDerivativeAsset", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock", "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31_us-gaap_NondesignatedMember", "name": "us-gaap:DerivativeFairValueOfDerivativeAsset", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock", "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R95": { "role": "http://westfieldbank.com/role/TableBelowPresentsEffectOfCompanysDerivativeFinancialInstrumentsOnStatementsOfNetIncomeAsOfDecember3120242023And2022.Details", "longName": "999099 - Disclosure - The table below presents the effect of the Company\u2019s derivative financial instruments on the statements of net income as of December 31, 2024, 2023 and 2022. (Details)", "shortName": "The table below presents the effect of the Company\u2019s derivative financial instruments on the statements of net income as of December 31, 2024, 2023 and 2022. (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "95", "firstAnchor": { "contextRef": "From2024-01-012024-12-31_us-gaap_InterestRateSwapMember_us-gaap_FairValueHedgingMember", "name": "us-gaap:GainLossOnFairValueHedgesRecognizedInEarnings", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock", "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-012024-12-31_us-gaap_InterestRateSwapMember_us-gaap_FairValueHedgingMember", "name": "us-gaap:GainLossOnFairValueHedgesRecognizedInEarnings", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock", "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R96": { "role": "http://westfieldbank.com/role/DerivativesAndHedgingActivitiesDetailsNarrative", "longName": "999100 - Disclosure - DERIVATIVES AND HEDGING ACTIVITIES (Details Narrative)", "shortName": "DERIVATIVES AND HEDGING ACTIVITIES (Details Narrative)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "96", "firstAnchor": { "contextRef": "AsOf2023-12-31_us-gaap_DesignatedAsHedgingInstrumentMember_us-gaap_FairValueHedgingMember", "name": "us-gaap:PrepayableFinancialAssetClosedPortfolioLastOfLayerAmortizedCost", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2023-12-31_us-gaap_DesignatedAsHedgingInstrumentMember_us-gaap_FairValueHedgingMember", "name": "us-gaap:PrepayableFinancialAssetClosedPortfolioLastOfLayerAmortizedCost", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R97": { "role": "http://westfieldbank.com/role/SupplementalCashFlowInformationRelatedToLeasesWasAsFollowsDetails", "longName": "999101 - Disclosure - Supplemental cash flow information related to leases was as follows: (Details)", "shortName": "Supplemental cash flow information related to leases was as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "97", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:OperatingLeasePayments", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:CashFlowSupplementalDisclosuresTextBlock", "us-gaap:LesseeOperatingLeasesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:OperatingLeasePayments", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:CashFlowSupplementalDisclosuresTextBlock", "us-gaap:LesseeOperatingLeasesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R98": { "role": "http://westfieldbank.com/role/SupplementalBalanceSheetInformationRelatedToLeasesWasAsFollowsDetails", "longName": "999102 - Disclosure - Supplemental balance sheet information related to leases was as follows: (Details)", "shortName": "Supplemental balance sheet information related to leases was as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "98", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:OperatingLeaseRightOfUseAsset", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:SupplementalBalanceSheetDisclosuresTextBlock", "us-gaap:LesseeOperatingLeasesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:OperatingLeaseRightOfUseAsset", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:SupplementalBalanceSheetDisclosuresTextBlock", "us-gaap:LesseeOperatingLeasesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R99": { "role": "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails", "longName": "999103 - Disclosure - Future undiscounted lease payments for the Company\u2019s operating lease liabilities were as follows (in thousands): (Details)", "shortName": "Future undiscounted lease payments for the Company\u2019s operating lease liabilities were as follows (in thousands): (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "99", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:LesseeOperatingLeaseLiabilityMaturityTableTextBlock", "us-gaap:LesseeOperatingLeasesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:LesseeOperatingLeaseLiabilityMaturityTableTextBlock", "us-gaap:LesseeOperatingLeasesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R100": { "role": "http://westfieldbank.com/role/LeasesDetailsNarrative", "longName": "999104 - Disclosure - LEASES (Details Narrative)", "shortName": "LEASES (Details Narrative)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "100", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:OperatingLeaseCost", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:LesseeOperatingLeasesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:OperatingLeaseCost", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:LesseeOperatingLeasesTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R101": { "role": "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details", "longName": "999105 - Disclosure - Our actual capital ratios of December 31, 2024 and December 31, 2023 are also presented in the following table. (Details)", "shortName": "Our actual capital ratios of December 31, 2024 and December 31, 2023 are also presented in the following table. (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "101", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:Capital", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:CapitalToRiskWeightedAssets", "unitRef": "Pure", "xsiNil": "false", "lang": null, "decimals": "4", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R102": { "role": "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails", "longName": "999106 - Disclosure - The following is a reconciliation of our GAAP capital to regulatory Tier 1, Common Equity Tier 1 and total capital: (Details)", "shortName": "The following is a reconciliation of our GAAP capital to regulatory Tier 1, Common Equity Tier 1 and total capital: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "102", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:StockholdersEquity", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "wneb:NetUnrealizedLossesOnAvailableforsaleSecuritiesNetOfTax", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "wneb:ReconciliationOfStockholdersEquityToRegulatoryCapitalTableTextBlock", "us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R103": { "role": "http://westfieldbank.com/role/RegulatoryCapitalDetailsNarrative", "longName": "999107 - Disclosure - REGULATORY CAPITAL (Details Narrative)", "shortName": "REGULATORY CAPITAL (Details Narrative)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "103", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:BankingRegulationCapitalConservationBufferCapitalConservedMinimum", "unitRef": "Pure", "xsiNil": "false", "lang": null, "decimals": "4", "ancestors": [ "span", "span", "p", "us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2023-12-31", "name": "us-gaap:EquityRestrictions", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R104": { "role": "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails", "longName": "999108 - Disclosure - Income taxes consist of the following: (Details)", "shortName": "Income taxes consist of the following: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "104", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:CurrentFederalTaxExpenseBenefit", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock", "us-gaap:IncomeTaxDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:CurrentFederalTaxExpenseBenefit", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock", "us-gaap:IncomeTaxDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R105": { "role": "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails", "longName": "999109 - Disclosure - The differences between the statutory federal income tax at a rate of 21% and the effective tax are summarized below: (Details)", "shortName": "The differences between the statutory federal income tax at a rate of 21% and the effective tax are summarized below: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "105", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock", "us-gaap:IncomeTaxDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock", "us-gaap:IncomeTaxDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R106": { "role": "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails", "longName": "999110 - Disclosure - The tax effects of each item that gives rise to deferred taxes are as follows: (Details)", "shortName": "The tax effects of each item that gives rise to deferred taxes are as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "106", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock", "us-gaap:IncomeTaxDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock", "us-gaap:IncomeTaxDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R107": { "role": "http://westfieldbank.com/role/IncomeTaxesDetailsNarrative", "longName": "999111 - Disclosure - INCOME TAXES (Details Narrative)", "shortName": "INCOME TAXES (Details Narrative)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "107", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:IncomeTaxesPaid", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:IncomeTaxDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:IncomeTaxesPaid", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:IncomeTaxDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R108": { "role": "http://westfieldbank.com/role/FollowingIsSummaryOfActivityForSuchLoansDetails", "longName": "999112 - Disclosure - Following is a summary of activity for such loans: (Details)", "shortName": "Following is a summary of activity for such loans: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "108", "firstAnchor": { "contextRef": "AsOf2023-12-31", "name": "us-gaap:LoansAndLeasesReceivableRelatedParties", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfRelatedPartyTransactionsTableTextBlock", "us-gaap:RelatedPartyTransactionsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2022-12-31", "name": "us-gaap:LoansAndLeasesReceivableRelatedParties", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfRelatedPartyTransactionsTableTextBlock", "us-gaap:RelatedPartyTransactionsDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R109": { "role": "http://westfieldbank.com/role/FollowingSummarizesTheseFinancialInstrumentsAndOtherCommitmentsAndContingentLiabilitiesAtTheirContractAmountsDetails", "longName": "999113 - Disclosure - The following summarizes these financial instruments and other commitments and contingent liabilities at their contract amounts: (Details)", "shortName": "The following summarizes these financial instruments and other commitments and contingent liabilities at their contract amounts: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "109", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:UnusedCommitmentsToExtendCredit", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:CommitmentsAndContingenciesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31_us-gaap_UnusedLinesOfCreditMember", "name": "us-gaap:UnusedCommitmentsToExtendCredit", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:OtherCommitmentsTableTextBlock", "us-gaap:CommitmentsAndContingenciesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R110": { "role": "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative", "longName": "999114 - Disclosure - COMMITMENTS AND CONTINGENCIES (Details Narrative)", "shortName": "COMMITMENTS AND CONTINGENCIES (Details Narrative)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "110", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:UnusedCommitmentsToExtendCredit", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:CommitmentsAndContingenciesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:LoansAndLeasesReceivableCommitmentsFixedRates", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-5", "ancestors": [ "span", "span", "p", "us-gaap:CommitmentsAndContingenciesDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R111": { "role": "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails", "longName": "999115 - Disclosure - Assets and liabilities measured at fair value on a recurring basis are summarized below: (Details)", "shortName": "Assets and liabilities measured at fair value on a recurring basis are summarized below: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "111", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:AvailableForSaleSecuritiesDebtSecurities", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31_us-gaap_FairValueMeasurementsRecurringMember", "name": "us-gaap:AvailableForSaleSecuritiesDebtSecurities", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock", "us-gaap:FairValueDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R112": { "role": "http://westfieldbank.com/role/FollowingTableSummarizesFairValueHierarchyUsedToDetermineCarryingValuesOfRelatedAssetsAsOfDecember312024And2023.Details", "longName": "999116 - Disclosure - The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2024 and 2023. (Details)", "shortName": "The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2024 and 2023. (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "112", "firstAnchor": { "contextRef": "From2024-01-012024-12-31_us-gaap_FairValueMeasurementsNonrecurringMember_custom_IndividuallyEvaluatedLoansMember", "name": "us-gaap:FairValueOptionChangesInFairValueGainLoss1", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock", "us-gaap:FairValueDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-01-012024-12-31_us-gaap_FairValueMeasurementsNonrecurringMember_custom_IndividuallyEvaluatedLoansMember", "name": "us-gaap:FairValueOptionChangesInFairValueGainLoss1", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock", "us-gaap:FairValueDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R113": { "role": "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails", "longName": "999117 - Disclosure - The estimated fair values of our financial instruments are as follows: (Details)", "shortName": "The estimated fair values of our financial instruments are as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "113", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:CashAndCashEquivalentsFairValueDisclosure", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:FairValueByBalanceSheetGroupingTextBlock", "us-gaap:FairValueDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:CashAndCashEquivalentsFairValueDisclosure", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:FairValueByBalanceSheetGroupingTextBlock", "us-gaap:FairValueDisclosuresTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } }, "R114": { "role": "http://westfieldbank.com/role/SegmentDetailsNarrative", "longName": "999118 - Disclosure - SEGMENT (Details Narrative)", "shortName": "SEGMENT (Details Narrative)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "114", "firstAnchor": null, "uniqueAnchor": null }, "R115": { "role": "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails", "longName": "999119 - Disclosure - The condensed balance sheets of the parent company are as follows: (Details)", "shortName": "The condensed balance sheets of the parent company are as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "115", "firstAnchor": { "contextRef": "AsOf2024-12-31", "name": "us-gaap:OtherAssets", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "AsOf2024-12-31_srt_ParentCompanyMember", "name": "us-gaap:CashEquivalentsAtCarryingValue", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "srt:ScheduleOfCondensedBalanceSheetTableTextBlock", "us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R116": { "role": "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails", "longName": "999120 - Disclosure - The condensed statements of net income for the parent company are as follows: (Details)", "shortName": "The condensed statements of net income for the parent company are as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "116", "firstAnchor": { "contextRef": "From2024-01-01to2024-12-31", "name": "us-gaap:LaborAndRelatedExpense", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "From2024-01-012024-12-31_srt_ParentCompanyMember", "name": "wneb:DividendsReceivedByParentCompanyFromBankSubsidiaries", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "srt:ScheduleOfCondensedIncomeStatementTableTextBlock", "us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R117": { "role": "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "longName": "999121 - Disclosure - The condensed statements of cash flows of the parent company are as follows: (Details)", "shortName": "The condensed statements of cash flows of the parent company are as follows: (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "117", "firstAnchor": { "contextRef": "From2024-10-012024-12-31", "name": "us-gaap:NetIncomeLoss", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock", "us-gaap:QuarterlyFinancialInformationTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true }, "uniqueAnchor": { "contextRef": "From2024-01-012024-12-31_srt_ParentCompanyMember", "name": "wneb:NetAmortizationOfPremiumsOnSubordinatedDebt", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "srt:ScheduleOfCondensedCashFlowStatementTableTextBlock", "us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "unique": true } }, "R118": { "role": "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details", "longName": "999122 - Disclosure - The following tables present a summary of our quarterly financial information for the periods indicated. (Details)", "shortName": "The following tables present a summary of our quarterly financial information for the periods indicated. (Details)", "isDefault": "false", "groupType": "disclosure", "subGroupType": "details", "menuCat": "Details", "order": "118", "firstAnchor": { "contextRef": "From2024-10-012024-12-31", "name": "us-gaap:InterestAndDividendIncomeOperating", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock", "us-gaap:QuarterlyFinancialInformationTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "From2024-10-012024-12-31", "name": "us-gaap:InterestAndDividendIncomeOperating", "unitRef": "USD", "xsiNil": "false", "lang": null, "decimals": "-3", "ancestors": [ "td", "tr", "table", "us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock", "us-gaap:QuarterlyFinancialInformationTextBlock", "div", "body", "html" ], "reportCount": 1, "baseRef": "wneb-10k_123124.htm", "first": true, "unique": true } } }, "tag": { "us-gaap_AccountingPoliciesAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AccountingPoliciesAbstract", "lang": { "en-us": { "role": { "label": "Accounting Policies [Abstract]" } } }, "auth_ref": [] }, "us-gaap_AccountingStandardsUpdate201613Member": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AccountingStandardsUpdate201613Member", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquityParenthetical" ], "lang": { "en-us": { "role": { "label": "Accounting Standards Update 2016-13 [Member]", "documentation": "Accounting Standards Update 2016-13 Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments." } } }, "auth_ref": [ "r438" ] }, "wneb_AccretionOfPurchaseAccountingAdjustmentsNet": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "AccretionOfPurchaseAccountingAdjustmentsNet", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Net (accretion) amortization of purchase accounting adjustments", "documentation": "Accretion of purchase accounting adjustments net." } } }, "auth_ref": [] }, "wneb_AccruedInvestmentIncomeReceivableFairValueDisclosure": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "AccruedInvestmentIncomeReceivableFairValueDisclosure", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Accrued interest receivable", "documentation": "It represents the amount of accrued investment income receivable fair value disclosure.", "label": "Accrued interest receivable [Default Label]" } } }, "auth_ref": [] }, "us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/PremisesAndEquipmentAreSummarizedAsFollowsDetails": { "parentTag": "us-gaap_PropertyPlantAndEquipmentNet", "weight": -1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/PremisesAndEquipmentAreSummarizedAsFollowsDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Less: accumulated depreciation and amortization", "label": "Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment", "documentation": "Amount of accumulated depreciation, depletion and amortization for physical assets used in the normal conduct of business to produce goods and services." } } }, "auth_ref": [ "r56", "r291", "r881" ] }, "us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AccumulatedNetUnrealizedInvestmentGainLossMember", "presentation": [ "http://westfieldbank.com/role/ComponentsOfAccumulatedOtherComprehensiveLossIncludedInShareholdersEquityAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member]", "documentation": "Accumulated unrealized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), attributable to parent." } } }, "auth_ref": [ "r301", "r302", "r303", "r306", "r315", "r316", "r1242" ] }, "us-gaap_AccumulatedOtherComprehensiveIncomeLossBeforeTax1": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AccumulatedOtherComprehensiveIncomeLossBeforeTax1", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/ComponentsOfAccumulatedOtherComprehensiveLossIncludedInShareholdersEquityAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Accumulated other comprehensive income (loss) before tax", "documentation": "Amount before tax of increase (decrease) in accumulated equity from transactions and other events and circumstances from non-owner sources, including portion attributable to noncontrolling interest. Excludes net income (loss), and accumulated changes in equity from transactions resulting from investments by owners (distributions to owners)." } } }, "auth_ref": [] }, "us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AccumulatedOtherComprehensiveIncomeLossLineItems", "presentation": [ "http://westfieldbank.com/role/ComponentsOfAccumulatedOtherComprehensiveLossIncludedInShareholdersEquityAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Accumulated Other Comprehensive Income (Loss) [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [ "r314", "r315", "r764", "r766", "r767", "r768", "r769", "r770" ] }, "us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AccumulatedOtherComprehensiveIncomeLossNetOfTax", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_StockholdersEquity", "weight": 1.0, "order": 7.0 } }, "presentation": [ "http://westfieldbank.com/role/ComponentsOfAccumulatedOtherComprehensiveLossIncludedInShareholdersEquityAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Accumulated other comprehensive loss", "totalLabel": "Accumulated other comprehensive loss", "documentation": "Amount, after tax, of accumulated increase (decrease) in equity from transaction and other event and circumstance from nonowner source." } } }, "auth_ref": [ "r34", "r35", "r132", "r297", "r877", "r904", "r908" ] }, "us-gaap_AccumulatedOtherComprehensiveIncomeLossTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AccumulatedOtherComprehensiveIncomeLossTable", "presentation": [ "http://westfieldbank.com/role/ComponentsOfAccumulatedOtherComprehensiveLossIncludedInShareholdersEquityAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Accumulated Other Comprehensive Income (Loss) [Table]", "documentation": "Disclosure of information about components of accumulated other comprehensive income (loss)." } } }, "auth_ref": [ "r314", "r315", "r764", "r766", "r767", "r768", "r769", "r770" ] }, "us-gaap_AccumulatedOtherComprehensiveIncomeMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AccumulatedOtherComprehensiveIncomeMember", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "label": "AOCI Attributable to Parent [Member]", "documentation": "Accumulated increase (decrease) in equity from transactions and other events and circumstances from non-owner sources, attributable to the parent. Excludes net income (loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners." } } }, "auth_ref": [ "r5", "r24", "r35", "r717", "r720", "r796", "r899", "r900", "r1242", "r1243", "r1244", "r1258", "r1259", "r1260", "r1262" ] }, "wneb_ActualMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ActualMember", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Actual [Member]", "documentation": "The element represents actual member." } } }, "auth_ref": [] }, "ecd_Additional402vDisclosureTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "Additional402vDisclosureTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Additional 402(v) Disclosure" } } }, "auth_ref": [ "r1164" ] }, "us-gaap_AdditionalPaidInCapitalCommonStock": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AdditionalPaidInCapitalCommonStock", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_StockholdersEquity", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Additional paid-in capital", "documentation": "Value received from shareholders in common stock-related transactions that are in excess of par value or stated value and amounts received from other stock-related transactions. Includes only common stock transactions (excludes preferred stock transactions). May be called contributed capital, capital in excess of par, capital surplus, or paid-in capital." } } }, "auth_ref": [ "r123" ] }, "us-gaap_AdditionalPaidInCapitalMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AdditionalPaidInCapitalMember", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "label": "Additional Paid-in Capital [Member]", "documentation": "Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders." } } }, "auth_ref": [ "r919", "r1258", "r1259", "r1260", "r1262", "r1402", "r1462" ] }, "ecd_AdjToCompAmt": { "xbrltype": "monetaryItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AdjToCompAmt", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Adjustment to Compensation, Amount" } } }, "auth_ref": [ "r1170" ] }, "ecd_AdjToCompAxis": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AdjToCompAxis", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Adjustment to Compensation [Axis]" } } }, "auth_ref": [ "r1170" ] }, "ecd_AdjToNonPeoNeoCompFnTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AdjToNonPeoNeoCompFnTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Adjustment to Non-PEO NEO Compensation Footnote" } } }, "auth_ref": [ "r1170" ] }, "ecd_AdjToPeoCompFnTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AdjToPeoCompFnTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Adjustment To PEO Compensation, Footnote" } } }, "auth_ref": [ "r1170" ] }, "us-gaap_AdjustmentsForNewAccountingPronouncementsAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AdjustmentsForNewAccountingPronouncementsAxis", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquityParenthetical" ], "lang": { "en-us": { "role": { "label": "Accounting Standards Update [Axis]", "documentation": "Information by amendment to accounting standards." } } }, "auth_ref": [ "r282", "r283", "r284", "r285", "r286", "r287", "r336", "r337", "r338", "r339", "r349", "r390", "r391", "r439", "r440", "r441", "r442", "r443", "r444", "r445", "r446", "r447", "r448", "r488", "r489", "r490", "r671", "r672", "r673", "r674", "r675", "r681", "r682", "r683", "r684", "r685", "r686", "r687", "r688", "r689", "r690", "r691", "r692", "r693", "r694", "r695", "r696", "r697", "r712", "r713", "r714", "r715", "r716", "r717", "r718", "r719", "r720", "r721", "r722", "r724", "r725", "r726", "r727", "r728", "r729", "r730", "r731", "r732", "r733", "r734", "r757", "r758", "r774", "r775", "r776", "r791", "r792", "r793", "r794", "r795", "r796", "r844", "r845", "r846", "r897", "r898", "r899", "r900", "r901", "r902", "r903", "r904", "r905", "r906", "r907", "r908" ] }, "us-gaap_AdjustmentsNoncashItemsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AdjustmentsNoncashItemsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Adjustments to reconcile net income to net cash provided by (used in) operating activities:" } } }, "auth_ref": [] }, "us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationOtherLongtermIncentivePlansRequisiteServicePeriodRecognition": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationOtherLongtermIncentivePlansRequisiteServicePeriodRecognition", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "label": "Share-based compensation - equity incentive plan", "documentation": "Amount of increase to additional paid-in capital (APIC) for recognition of cost for award under share-based payment arrangement, classified as other." } } }, "auth_ref": [] }, "wneb_AdvancesFromFederalHomeLoanBankAndOtherBorrowingsMaturitiesTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "AdvancesFromFederalHomeLoanBankAndOtherBorrowingsMaturitiesTableTextBlock", "presentation": [ "http://westfieldbank.com/role/Long-termDebtTables" ], "lang": { "en-us": { "role": { "label": "The following advances are collateralized by a blanket lien on our residential real estate loans and certain eligible commercial real estate loans.", "documentation": "Tabular disclosure of advances from Federal Home Loan Bank and other borrowings maturities." } } }, "auth_ref": [] }, "us-gaap_AdvancesFromFederalHomeLoanBanks": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AdvancesFromFederalHomeLoanBanks", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "FHLB advances", "documentation": "Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages." } } }, "auth_ref": [ "r209" ] }, "us-gaap_AdvertisingCostsPolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AdvertisingCostsPolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Advertising Costs", "documentation": "Disclosure of accounting policy for advertising cost." } } }, "auth_ref": [ "r244" ] }, "us-gaap_AdvertisingExpense": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AdvertisingExpense", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestExpense", "weight": 1.0, "order": 9.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Advertising", "documentation": "Amount charged to advertising expense for the period, which are expenses incurred with the objective of increasing revenue for a specified brand, product or product line." } } }, "auth_ref": [ "r644", "r1065" ] }, "ecd_AggtErrCompAmt": { "xbrltype": "monetaryItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AggtErrCompAmt", "presentation": [ "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" ], "lang": { "en-us": { "role": { "label": "Aggregate Erroneous Compensation Amount" } } }, "auth_ref": [ "r1131", "r1142", "r1156", "r1182" ] }, "ecd_AggtErrCompNotYetDeterminedTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AggtErrCompNotYetDeterminedTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" ], "lang": { "en-us": { "role": { "label": "Aggregate Erroneous Compensation Not Yet Determined" } } }, "auth_ref": [ "r1134", "r1145", "r1159", "r1185" ] }, "ecd_AllAdjToCompMember": { "xbrltype": "domainItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AllAdjToCompMember", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "auth_ref": [ "r1170" ] }, "ecd_AllExecutiveCategoriesMember": { "xbrltype": "domainItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AllExecutiveCategoriesMember", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "auth_ref": [ "r1177" ] }, "ecd_AllIndividualsMember": { "xbrltype": "domainItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AllIndividualsMember", "presentation": [ "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure", "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure", "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements", "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "auth_ref": [ "r1135", "r1146", "r1160", "r1177", "r1186", "r1190", "r1198" ] }, "ecd_AllTradingArrangementsMember": { "xbrltype": "domainItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AllTradingArrangementsMember", "presentation": [ "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" ], "auth_ref": [ "r1196" ] }, "us-gaap_AllowanceForCreditLossAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AllowanceForCreditLossAbstract", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Allowance for credit losses for loans" } } }, "auth_ref": [] }, "us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesTables" ], "lang": { "en-us": { "role": { "label": "An analysis of changes in the allowance for credit losses for loans and off-balance sheet commitments by segment for the years ended December 31, 2024 and 2023 is as follows:", "documentation": "Tabular disclosure of allowance for credit loss on financing receivable." } } }, "auth_ref": [ "r215", "r1313" ] }, "dei_AmendmentDescription": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "AmendmentDescription", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Amendment Description", "documentation": "Description of changes contained within amended document." } } }, "auth_ref": [] }, "dei_AmendmentFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "AmendmentFlag", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Amendment Flag", "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission." } } }, "auth_ref": [] }, "us-gaap_AmortizationOfDebtDiscountPremium": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AmortizationOfDebtDiscountPremium", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0, "order": 6.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Net amortization of premiums and discounts on securities and mortgage loans", "documentation": "Amount of noncash expense included in interest expense to amortize debt discount and premium associated with the related debt instruments. Excludes amortization of financing costs. Alternate captions include noncash interest expense." } } }, "auth_ref": [ "r14", "r137", "r524", "r1424" ] }, "us-gaap_AmortizationOfDeferredPropertyTaxes": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AmortizationOfDeferredPropertyTaxes", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0, "order": 7.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Net amortization of deferred costs on mortgage loans", "documentation": "The amount of amortization charged against earnings during the period for deferred property taxes." } } }, "auth_ref": [ "r1015", "r1251" ] }, "us-gaap_AmortizationOfESOPAward": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AmortizationOfESOPAward", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "label": "Common stock held by ESOP committed to be released", "documentation": "Value of shares committed to be released under an Employee Stock Ownership Plan (ESOP)." } } }, "auth_ref": [ "r70" ] }, "us-gaap_AmortizationOfFinancingCosts": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AmortizationOfFinancingCosts", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0, "order": 8.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows", "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Net amortization of premiums on subordinated debt", "verboseLabel": "Amortization of issuance costs", "documentation": "Amount of amortization expense attributable to debt issuance costs." } } }, "auth_ref": [ "r137", "r524", "r1251", "r1424" ] }, "us-gaap_AmortizationOfIntangibleAssets": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AmortizationOfIntangibleAssets", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0, "order": 5.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows", "http://westfieldbank.com/role/GoodwillAndOtherIntangiblesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Amortization of core deposit intangible", "documentation": "The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method." } } }, "auth_ref": [ "r14", "r478", "r484", "r1045" ] }, "dei_AnnualInformationForm": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "AnnualInformationForm", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Annual Information Form", "documentation": "Boolean flag with value true on a form if it is an annual report containing an annual information form." } } }, "auth_ref": [ "r1138" ] }, "us-gaap_AociTaxAttributableToParent": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AociTaxAttributableToParent", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/ComponentsOfAccumulatedOtherComprehensiveLossIncludedInShareholdersEquityAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Tax effect", "label": "AOCI Tax, Attributable to Parent", "documentation": "Amount of tax expense (benefit) allocated to accumulated other comprehensive income (loss) attributable to parent." } } }, "auth_ref": [] }, "us-gaap_AssetPledgedAsCollateralMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AssetPledgedAsCollateralMember", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative", "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Asset Pledged as Collateral [Member]", "documentation": "Asset pledged as collateral." } } }, "auth_ref": [ "r698", "r932", "r1067", "r1440" ] }, "us-gaap_Assets": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "Assets", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": null, "weight": null, "order": null, "root": true }, "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "totalLabel": "TOTAL ASSETS", "label": "TOTAL ASSETS", "documentation": "Amount of asset recognized for present right to economic benefit." } } }, "auth_ref": [ "r178", "r214", "r294", "r326", "r363", "r370", "r380", "r383", "r437", "r500", "r501", "r502", "r503", "r504", "r505", "r506", "r507", "r508", "r698", "r700", "r763", "r873", "r951", "r1028", "r1029", "r1082", "r1101", "r1344", "r1345", "r1432" ] }, "us-gaap_AssetsAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AssetsAbstract", "presentation": [ "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedBalanceSheets", "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "ASSETS", "verboseLabel": "Assets:", "terseLabel": "ASSETS:" } } }, "auth_ref": [] }, "us-gaap_AssetsFairValueDisclosure": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AssetsFairValueDisclosure", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails" ], "lang": { "en-us": { "role": { "totalLabel": "Total assets", "label": "Assets, Fair Value Disclosure", "documentation": "Fair value portion of asset recognized for present right to economic benefit." } } }, "auth_ref": [ "r736", "r737", "r1070" ] }, "us-gaap_AssetsFairValueDisclosureAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AssetsFairValueDisclosureAbstract", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Assets:" } } }, "auth_ref": [] }, "dei_AuditedAnnualFinancialStatements": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "AuditedAnnualFinancialStatements", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Audited Annual Financial Statements", "documentation": "Boolean flag with value true on a form if it is an annual report containing audited financial statements." } } }, "auth_ref": [ "r1138" ] }, "dei_AuditorFirmId": { "xbrltype": "nonemptySequenceNumberItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "AuditorFirmId", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Auditor Firm ID", "documentation": "PCAOB issued Audit Firm Identifier" } } }, "auth_ref": [ "r1113", "r1115", "r1138" ] }, "dei_AuditorLocation": { "xbrltype": "internationalNameItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "AuditorLocation", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Auditor Location" } } }, "auth_ref": [ "r1113", "r1115", "r1138" ] }, "dei_AuditorName": { "xbrltype": "internationalNameItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "AuditorName", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Auditor Name" } } }, "auth_ref": [ "r1113", "r1115", "r1138" ] }, "us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details": { "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Available-for-sale securities, gross unrealized gains", "documentation": "Amount, before tax, of unrealized gain in accumulated other comprehensive income (AOCI) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)." } } }, "auth_ref": [ "r407" ] }, "us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details": { "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "negatedLabel": "Available-for-sale securities, gross unrealized losses", "label": "Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax", "documentation": "Amount, before tax, of unrealized loss in accumulated other comprehensive income (AOCI) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)." } } }, "auth_ref": [ "r408" ] }, "us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AvailableForSaleDebtSecuritiesAmortizedCostBasis", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details": { "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss", "weight": 1.0, "order": 1.0 }, "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Available-for-sale securities, amortized cost", "totalLabel": "Amortized cost, available for sale", "documentation": "Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)." } } }, "auth_ref": [ "r404", "r467", "r871" ] }, "wneb_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionDepreciationFromAmortizedCostPercentage": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "AvailableForSaleSecuritiesContinuousUnrealizedLossPositionDepreciationFromAmortizedCostPercentage", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Available-for-sale, depreciation from amortized cost basis (%)", "documentation": "Available for sale securities continuous unrealized loss position depreciation from amortized cost percentage." } } }, "auth_ref": [] }, "wneb_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Available-for-sale, less than 12 months, depreciation from amortized cost basis (%)", "documentation": "Available for sale securities continuous unrealized loss position less than twelve months depreciation from amortized cost percentage." } } }, "auth_ref": [] }, "wneb_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Available-for-sale, over 12 months, depreciation from amortized cost basis (%)", "documentation": "Available for sale securities continuous unrealized loss position twelve months or longer depreciation from amortized cost percentage." } } }, "auth_ref": [] }, "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details": { "parentTag": "us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details" ], "lang": { "en-us": { "role": { "label": "Available-for-sale securities, due after ten years, amortized cost", "documentation": "Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing after rolling tenth fiscal year following latest fiscal year. For interim and annual periods when interim period is reported on rolling approach, from latest statement of financial position date." } } }, "auth_ref": [ "r1291" ] }, "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details": { "parentTag": "us-gaap_AvailableForSaleSecuritiesDebtSecurities", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details" ], "lang": { "en-us": { "role": { "label": "Available-for-sale securities, due after ten years, fair value", "documentation": "Fair value of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing after rolling tenth fiscal year following latest fiscal year. For interim and annual periods when interim period is reported on rolling approach, from latest statement of financial position date." } } }, "auth_ref": [ "r1291" ] }, "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details": { "parentTag": "us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details" ], "lang": { "en-us": { "role": { "label": "Available-for-sale securities, due after five years through ten years, amortized cost", "documentation": "Amortized cost of investment in debt security, measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in rolling sixth through tenth fiscal year following latest fiscal year. For interim and annual periods when interim period is reported on rolling approach, from latest statement of financial position date." } } }, "auth_ref": [ "r1290" ] }, "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details": { "parentTag": "us-gaap_AvailableForSaleSecuritiesDebtSecurities", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details" ], "lang": { "en-us": { "role": { "label": "Available-for-sale securities, due after five years through ten years, fair value", "documentation": "Fair value of investment in debt security, measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in rolling sixth through tenth fiscal year following latest fiscal year. For interim and annual periods when interim period is reported on rolling approach, from latest statement of financial position date." } } }, "auth_ref": [ "r1290" ] }, "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details": { "parentTag": "us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details" ], "lang": { "en-us": { "role": { "label": "Available-for-sale securities, due after one year through five years, amortized cost", "documentation": "Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in next rolling fiscal year through fifth year following latest fiscal year. For interim and annual periods when interim period is reported on rolling approach, from latest statement of financial position date." } } }, "auth_ref": [ "r1289" ] }, "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details": { "parentTag": "us-gaap_AvailableForSaleSecuritiesDebtSecurities", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details" ], "lang": { "en-us": { "role": { "label": "Available-for-sale securities, due after one year through five years, fair value", "documentation": "Fair value of investment in debt security, measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in next rolling fiscal year through fifth year following latest fiscal year. For interim and annual periods when interim period is reported on rolling approach, from latest statement of financial position date." } } }, "auth_ref": [ "r1289" ] }, "us-gaap_AvailableForSaleSecuritiesDebtSecurities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AvailableForSaleSecuritiesDebtSecurities", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Investments", "weight": 1.0, "order": 1.0 }, "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details": { "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue", "weight": 1.0, "order": 1.0 }, "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails": { "parentTag": "us-gaap_AssetsFairValueDisclosure", "weight": 1.0, "order": 1.0 }, "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details", "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails", "http://westfieldbank.com/role/ConsolidatedBalanceSheets", "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Securities available-for-sale, at fair value", "verboseLabel": "Available-for-sale securities, at fair value", "totalLabel": "Fair value, available for sale", "terseLabel": "Securities available-for-sale", "documentation": "Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)." } } }, "auth_ref": [ "r405", "r467", "r736", "r850", "r1070", "r1073", "r1281", "r1407", "r1408", "r1409" ] }, "wneb_AvailableForSaleSecuritiesPurchasesPendingSettlement": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "AvailableForSaleSecuritiesPurchasesPendingSettlement", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Available-for-sale securities purchases pending settlement", "documentation": "Available-for-sale securities purchases pending settlement." } } }, "auth_ref": [] }, "wneb_AverageNumberOfCommonSharesOutstandingUsedToCalculateBasicEarningsPerCommonShare": { "xbrltype": "sharesItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "AverageNumberOfCommonSharesOutstandingUsedToCalculateBasicEarningsPerCommonShare", "calculation": { "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails": { "parentTag": "wneb_AverageNumberOfCommonSharesOutstandingUsedToCalculateDilutedEarningsPerCommonShare", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails" ], "lang": { "en-us": { "role": { "totalLabel": "Average number of common shares outstanding used to calculate basic earnings per common share", "documentation": "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.", "label": "Average number of common shares outstanding used to calculate basic earnings per common share" } } }, "auth_ref": [] }, "wneb_AverageNumberOfCommonSharesOutstandingUsedToCalculateDilutedEarningsPerCommonShare": { "xbrltype": "sharesItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "AverageNumberOfCommonSharesOutstandingUsedToCalculateDilutedEarningsPerCommonShare", "calculation": { "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails" ], "lang": { "en-us": { "role": { "totalLabel": "Average number of common shares outstanding used to calculate diluted earnings per common share", "documentation": "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.", "label": "Average number of common shares outstanding used to calculate diluted earnings per common share" } } }, "auth_ref": [] }, "ecd_AwardExrcPrice": { "xbrltype": "perShareItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AwardExrcPrice", "presentation": [ "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" ], "lang": { "en-us": { "role": { "label": "Exercise Price" } } }, "auth_ref": [ "r1193" ] }, "ecd_AwardGrantDateFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AwardGrantDateFairValue", "presentation": [ "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" ], "lang": { "en-us": { "role": { "label": "Fair Value as of Grant Date" } } }, "auth_ref": [ "r1194" ] }, "ecd_AwardTmgDiscLineItems": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AwardTmgDiscLineItems", "auth_ref": [ "r1189" ] }, "ecd_AwardTmgHowMnpiCnsdrdTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AwardTmgHowMnpiCnsdrdTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" ], "lang": { "en-us": { "role": { "label": "Award Timing, How MNPI Considered" } } }, "auth_ref": [ "r1189" ] }, "ecd_AwardTmgMethodTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AwardTmgMethodTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" ], "lang": { "en-us": { "role": { "label": "Award Timing Method" } } }, "auth_ref": [ "r1189" ] }, "ecd_AwardTmgMnpiCnsdrdFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AwardTmgMnpiCnsdrdFlag", "presentation": [ "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" ], "lang": { "en-us": { "role": { "label": "Award Timing MNPI Considered" } } }, "auth_ref": [ "r1189" ] }, "ecd_AwardTmgMnpiDiscTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AwardTmgMnpiDiscTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" ], "lang": { "en-us": { "role": { "label": "Award Timing MNPI Disclosure" } } }, "auth_ref": [ "r1189" ] }, "ecd_AwardTmgPredtrmndFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AwardTmgPredtrmndFlag", "presentation": [ "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" ], "lang": { "en-us": { "role": { "label": "Award Timing Predetermined" } } }, "auth_ref": [ "r1189" ] }, "us-gaap_AwardTypeAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "AwardTypeAxis", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "http://westfieldbank.com/role/SummaryOfStatusOfUnvestedRestrictedStockAwardsAtDecember312024And2023IsPresentedBelowDetails", "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" ], "lang": { "en-us": { "role": { "label": "Award Type [Axis]", "documentation": "Information by type of award under share-based payment arrangement." } } }, "auth_ref": [ "r612", "r613", "r614", "r615", "r616", "r617", "r618", "r619", "r620", "r621", "r622", "r623", "r624", "r625", "r626", "r627", "r628", "r629", "r630", "r631", "r632", "r633", "r634", "r635", "r636", "r637" ] }, "ecd_AwardUndrlygSecuritiesAmt": { "xbrltype": "decimalItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AwardUndrlygSecuritiesAmt", "presentation": [ "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" ], "lang": { "en-us": { "role": { "label": "Underlying Securities" } } }, "auth_ref": [ "r1192" ] }, "ecd_AwardsCloseToMnpiDiscIndName": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AwardsCloseToMnpiDiscIndName", "presentation": [ "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" ], "lang": { "en-us": { "role": { "verboseLabel": "Name", "label": "Awards Close in Time to MNPI Disclosures, Individual Name" } } }, "auth_ref": [ "r1191" ] }, "ecd_AwardsCloseToMnpiDiscTable": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AwardsCloseToMnpiDiscTable", "presentation": [ "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" ], "lang": { "en-us": { "role": { "label": "Awards Close in Time to MNPI Disclosures [Table]" } } }, "auth_ref": [ "r1190" ] }, "ecd_AwardsCloseToMnpiDiscTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "AwardsCloseToMnpiDiscTableTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" ], "lang": { "en-us": { "role": { "label": "Awards Close in Time to MNPI Disclosures, Table" } } }, "auth_ref": [ "r1190" ] }, "wneb_BTFPAdvancesMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "BTFPAdvancesMember", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "BTFP Advances [Member]", "documentation": "BTFP Advances." } } }, "auth_ref": [] }, "us-gaap_BadDebtReserveForTaxPurposesOfQualifiedLender": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "BadDebtReserveForTaxPurposesOfQualifiedLender", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/IncomeTaxesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Income tax reserve for loan losses at Bank's base year", "documentation": "Amount of bad debt reserves for tax purposes of qualified lenders excluded in calculating deferred taxes." } } }, "auth_ref": [ "r3", "r21", "r22", "r646" ] }, "wneb_Bank1Member": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "Bank1Member", "presentation": [ "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Correspondent Banks [Member]", "documentation": "Correspondent Banks." } } }, "auth_ref": [] }, "wneb_BankMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "BankMember", "presentation": [ "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Bank [Member]", "documentation": "Bank" } } }, "auth_ref": [] }, "us-gaap_BankOwnedLifeInsurance": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "BankOwnedLifeInsurance", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Assets", "weight": 1.0, "order": 7.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Bank-owned life insurance", "documentation": "The carrying amount of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy." } } }, "auth_ref": [ "r1444" ] }, "wneb_BankOwnedLifeInsuranceDeathBenefits": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "BankOwnedLifeInsuranceDeathBenefits", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details" ], "lang": { "en-us": { "role": { "label": "Bank-owned life insurance death benefit", "verboseLabel": "Gain on bank-owned life insurance death benefit", "documentation": "Amount of bank owned life insurance death benefits." } } }, "auth_ref": [] }, "us-gaap_BankOwnedLifeInsuranceIncome": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "BankOwnedLifeInsuranceIncome", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0, "order": 2.0 }, "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": -1.0, "order": 19.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows", "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Income from bank-owned life insurance", "negatedLabel": "Income from bank-owned life insurance", "documentation": "Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies." } } }, "auth_ref": [ "r194" ] }, "wneb_BankOwnedLifeInsurancePolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "BankOwnedLifeInsurancePolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Bank-owned Life Insurance", "documentation": "Disclosure of accounting policy for Bank Owned Life Insurance." } } }, "auth_ref": [] }, "us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum": { "xbrltype": "pureItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "BankingRegulationCapitalConservationBufferCapitalConservedMinimum", "presentation": [ "http://westfieldbank.com/role/RegulatoryCapitalDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Capital conservation buffer of common equity Tier 1 capital, minimum percentage", "documentation": "Minimum capital conservation buffer percentage required to avoid restriction on payout amount of eligible retained income as defined by regulatory framework." } } }, "auth_ref": [ "r862" ] }, "us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum": { "xbrltype": "pureItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Minimum amount of Common Equity Tier 1 Capital for adequacy purposes, ratio", "documentation": "Ratio of minimum Common Equity Tier 1 risk-based capital to risk-weighted assets required for capital adequacy as defined by regulatory framework." } } }, "auth_ref": [ "r862", "r866" ] }, "us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum": { "xbrltype": "pureItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Minimum Common Equity Tier 1 Capital required to be well-capitalized, ratio", "documentation": "Ratio of minimum Common Equity Tier 1 risk-based capital to risk-weighted assets categorized as well capitalized as defined by regulatory framework for prompt corrective action." } } }, "auth_ref": [ "r862" ] }, "wneb_BrokeredDeposits": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "BrokeredDeposits", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/DepositsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Brokered deposits", "documentation": "Amount of brokered deposits." } } }, "auth_ref": [] }, "us-gaap_BuildingMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "BuildingMember", "presentation": [ "http://westfieldbank.com/role/EstimatedUsefulLivesOfAssetsAreAsFollowsDetails", "http://westfieldbank.com/role/PremisesAndEquipmentAreSummarizedAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Building [Member]", "documentation": "Facility held for productive use including, but not limited to, office, production, storage and distribution facilities." } } }, "auth_ref": [ "r153" ] }, "us-gaap_BusinessCombinationsPolicy": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "BusinessCombinationsPolicy", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Wholly-owned Subsidiaries", "documentation": "Disclosure of accounting policy for completed business combinations (purchase method, acquisition method or combination of entities under common control). This accounting policy may include a general discussion of the purchase method or acquisition method of accounting (including for example, the treatment accorded contingent consideration, the identification of assets and liabilities, the purchase price allocation process, how the fair values of acquired assets and liabilities are determined) and the entity's specific application thereof. An entity that acquires another entity in a leveraged buyout transaction generally discloses the accounting policy followed by the acquiring entity in determining the basis used to value its interest in the acquired entity, and the rationale for that accounting policy." } } }, "auth_ref": [ "r164", "r165", "r166", "r167" ] }, "us-gaap_BusinessDescriptionAndAccountingPoliciesTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "BusinessDescriptionAndAccountingPoliciesTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPolicies" ], "lang": { "en-us": { "role": { "label": "SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES", "documentation": "The entire disclosure for the business description and accounting policies concepts. Business description describes the nature and type of organization including but not limited to organizational structure as may be applicable to holding companies, parent and subsidiary relationships, business divisions, business units, business segments, affiliates and information about significant ownership of the reporting entity. Accounting policies describe all significant accounting policies of the reporting entity." } } }, "auth_ref": [ "r148", "r150" ] }, "us-gaap_Capital": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "Capital", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails", "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Total Capital", "totalLabel": "Total regulatory capital", "documentation": "Amount of total capital as defined by regulatory framework." } } }, "auth_ref": [ "r862" ] }, "us-gaap_CapitalRequiredForCapitalAdequacy": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CapitalRequiredForCapitalAdequacy", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Minimum amount of capital for adequacy purposes", "documentation": "Amount of minimum total risk-based capital required for capital adequacy as defined by regulatory framework." } } }, "auth_ref": [ "r862", "r866" ] }, "us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets": { "xbrltype": "pureItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CapitalRequiredForCapitalAdequacyToRiskWeightedAssets", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Minimum amount of capital for adequacy purposes, ratio", "documentation": "Ratio of minimum total risk-based capital to risk-weighted assets required for capital adequacy as defined by regulatory framework." } } }, "auth_ref": [ "r862", "r866" ] }, "us-gaap_CapitalRequiredToBeWellCapitalized": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CapitalRequiredToBeWellCapitalized", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Minimum Capital required to be well-capitalized", "documentation": "Amount of minimum total risk-based capital categorized as well capitalized as defined by regulatory framework for prompt corrective action." } } }, "auth_ref": [ "r862" ] }, "us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets": { "xbrltype": "pureItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Minimum Capital required to be well-capitalized, ratio", "documentation": "Ratio of minimum total risk-based capital to risk-weighted assets categorized as well capitalized as defined by regulatory framework for prompt corrective action." } } }, "auth_ref": [ "r862" ] }, "us-gaap_CapitalToRiskWeightedAssets": { "xbrltype": "pureItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CapitalToRiskWeightedAssets", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Total Capital (to risk-weighted assets) ratio", "documentation": "Ratio of total risk-based capital to risk-weighted assets as defined by regulatory framework." } } }, "auth_ref": [ "r862" ] }, "us-gaap_CarryingReportedAmountFairValueDisclosureMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CarryingReportedAmountFairValueDisclosureMember", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Reported Value Measurement [Member]", "documentation": "Measured as reported on the statement of financial position (balance sheet)." } } }, "auth_ref": [ "r96", "r97" ] }, "us-gaap_CashAndCashEquivalentsAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CashAndCashEquivalentsAbstract", "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "CASH AND CASH EQUIVALENTS" } } }, "auth_ref": [] }, "us-gaap_CashAndCashEquivalentsAtCarryingValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CashAndCashEquivalentsAtCarryingValue", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "periodStartLabel": "Beginning of year", "periodEndLabel": "End of year", "label": "Cash and Cash Equivalents, at Carrying Value", "documentation": "Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation." } } }, "auth_ref": [ "r42", "r289", "r1017" ] }, "us-gaap_CashAndCashEquivalentsFairValueDisclosure": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CashAndCashEquivalentsFairValueDisclosure", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Cash and cash equivalents", "documentation": "Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates." } } }, "auth_ref": [ "r1405", "r1406" ] }, "us-gaap_CashAndCashEquivalentsPolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CashAndCashEquivalentsPolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Cash and Cash Equivalents", "documentation": "Disclosure of accounting policy for cash and cash equivalents, including the policy for determining which items are treated as cash equivalents. Other information that may be disclosed includes (1) the nature of any restrictions on the entity's use of its cash and cash equivalents, (2) whether the entity's cash and cash equivalents are insured or expose the entity to credit risk, (3) the classification of any negative balance accounts (overdrafts), and (4) the carrying basis of cash equivalents (for example, at cost) and whether the carrying amount of cash equivalents approximates fair value." } } }, "auth_ref": [ "r44" ] }, "us-gaap_CashAndDueFromBanks": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CashAndDueFromBanks", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_CashCashEquivalentsAndFederalFundsSold", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Cash and due from banks", "documentation": "For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks." } } }, "auth_ref": [ "r176" ] }, "us-gaap_CashCashEquivalentsAndFederalFundsSold": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CashCashEquivalentsAndFederalFundsSold", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Assets", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "totalLabel": "Total cash and cash equivalents", "label": "Cash, Cash Equivalents, and Federal Funds Sold", "documentation": "The sum of cash and cash equivalents plus Federal Funds Sold. Cash and cash equivalents consist of short term, highly liquid investments that are readily convertible to known amounts of cash and are so near their maturity that they present negligible risk of changes in value due to changes in interest rates -- usually with an original maturity less than 90 days." } } }, "auth_ref": [ "r176", "r186", "r188" ] }, "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "periodStartLabel": "Beginning of year", "periodEndLabel": "End of year", "label": "Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents", "documentation": "Amount of cash and cash equivalents, and cash and cash equivalents restricted to withdrawal or usage. Excludes amount for disposal group and discontinued operations. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates." } } }, "auth_ref": [ "r42", "r143", "r325" ] }, "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": null, "weight": null, "order": null, "root": true }, "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "totalLabel": "NET CHANGE IN CASH AND CASH EQUIVALENTS:", "label": "Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect", "documentation": "Amount of increase (decrease) in cash, cash equivalents, and cash and cash equivalents restricted to withdrawal or usage; including effect from exchange rate change. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates." } } }, "auth_ref": [ "r4", "r143" ] }, "us-gaap_CashEquivalentsAtCarryingValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CashEquivalentsAtCarryingValue", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_Assets", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Cash equivalents", "documentation": "Amount of short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation." } } }, "auth_ref": [ "r1239", "r1452" ] }, "us-gaap_CashFlowOperatingActivitiesLesseeAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CashFlowOperatingActivitiesLesseeAbstract", "presentation": [ "http://westfieldbank.com/role/SupplementalCashFlowInformationRelatedToLeasesWasAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Cash paid for amounts included in the measurement of lease liabilities:" } } }, "auth_ref": [] }, "us-gaap_CashFlowSupplementalDisclosuresTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CashFlowSupplementalDisclosuresTextBlock", "presentation": [ "http://westfieldbank.com/role/LeasesTables" ], "lang": { "en-us": { "role": { "label": "Supplemental cash flow information related to leases was as follows:", "documentation": "The entire disclosure for supplemental cash flow activities, including cash, noncash, and part noncash transactions, for the period. Noncash is defined as information about all investing and financing activities of an enterprise during a period that affect recognized assets or liabilities but that do not result in cash receipts or cash payments in the period. \"Part noncash\" refers to that portion of the transaction not resulting in cash receipts or cash payments in the period." } } }, "auth_ref": [ "r138" ] }, "wneb_CashPaidForInterestOnDeposits": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "CashPaidForInterestOnDeposits", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/DepositsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Cash paid for interest on deposits", "documentation": "Cash paid for interest on deposits." } } }, "auth_ref": [] }, "ecd_ChangedPeerGroupFnTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "ChangedPeerGroupFnTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Changed Peer Group, Footnote" } } }, "auth_ref": [ "r1168" ] }, "dei_CityAreaCode": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "CityAreaCode", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "City Area Code", "documentation": "Area code of city" } } }, "auth_ref": [] }, "ecd_CoSelectedMeasureAmt": { "xbrltype": "decimalItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "CoSelectedMeasureAmt", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Company Selected Measure Amount" } } }, "auth_ref": [ "r1169" ] }, "ecd_CoSelectedMeasureName": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "CoSelectedMeasureName", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Company Selected Measure Name" } } }, "auth_ref": [ "r1169" ] }, "wneb_CollateralDependentLoans": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "CollateralDependentLoans", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesFairValueHierarchyUsedToDetermineCarryingValuesOfRelatedAssetsAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Collateral dependent loans", "documentation": "The element represents collateral dependent loans." } } }, "auth_ref": [] }, "us-gaap_CommercialAndIndustrialSectorMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommercialAndIndustrialSectorMember", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails", "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails", "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Commercial and Industrial Sector [Member]", "documentation": "Sector of the economy consisting of companies engaged in commercial and industrial business activities." } } }, "auth_ref": [ "r1037", "r1465", "r1467", "r1468", "r1469" ] }, "us-gaap_CommercialLoanMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommercialLoanMember", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Commercial Loan [Member]", "documentation": "A loan, whether secured or unsecured, to a company for purposes such as seasonal working capital needs, inventory financing, equipment purchases and acquisitions." } } }, "auth_ref": [] }, "us-gaap_CommercialRealEstateMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommercialRealEstateMember", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails", "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails", "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Commercial Real Estate [Member]", "documentation": "Property that is solely used for business purposes." } } }, "auth_ref": [ "r1033", "r1039", "r1353" ] }, "wneb_CommercialRealEstateNonOwnerOccupiedMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "CommercialRealEstateNonOwnerOccupiedMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Commercial Real Estate Non-owner Occupied [Member]", "documentation": "Commercial Real Estate Non-owner Occupied." } } }, "auth_ref": [] }, "wneb_CommercialRealEstateOwnerOccupiedMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "CommercialRealEstateOwnerOccupiedMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Commercial Real Estate Owner Occupied [Member]", "documentation": "Commercial Real Estate Owner Occupied." } } }, "auth_ref": [] }, "us-gaap_CommitmentsAndContingenciesDisclosureAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommitmentsAndContingenciesDisclosureAbstract", "lang": { "en-us": { "role": { "label": "Commitments and Contingencies Disclosure [Abstract]" } } }, "auth_ref": [] }, "us-gaap_CommitmentsAndContingenciesDisclosureTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommitmentsAndContingenciesDisclosureTextBlock", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingencies" ], "lang": { "en-us": { "role": { "label": "COMMITMENTS AND CONTINGENCIES", "documentation": "The entire disclosure for commitments and contingencies." } } }, "auth_ref": [ "r155", "r491", "r492", "r1010", "r1334", "r1339" ] }, "wneb_CommitmentsToExtendCreditFixedInterestRate": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "CommitmentsToExtendCreditFixedInterestRate", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Fixed rate commitments - interest rates", "documentation": "It represents the commitments to extend credit fixed interest rate." } } }, "auth_ref": [] }, "us-gaap_CommonEquityTierOneCapital": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommonEquityTierOneCapital", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Common Equity Tier 1 Capital", "documentation": "Amount of Common Equity Tier 1 risk-based capital as defined by regulatory framework." } } }, "auth_ref": [ "r862" ] }, "us-gaap_CommonEquityTierOneCapitalRatio": { "xbrltype": "pureItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommonEquityTierOneCapitalRatio", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Common Equity Tier 1 Capital (to risk-weighted assets) ratio", "documentation": "Ratio of Common Equity Tier 1 risk-based capital to risk-weighted assets as defined by regulatory framework." } } }, "auth_ref": [ "r862" ] }, "us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommonEquityTierOneCapitalRequiredForCapitalAdequacy", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Minimum amount of Common Equity Tier 1 Capital for adequacy purposes", "documentation": "Amount of minimum Common Equity Tier 1 risk-based capital required for capital adequacy as defined by regulatory framework." } } }, "auth_ref": [ "r862", "r866" ] }, "us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommonEquityTierOneCapitalRequiredToBeWellCapitalized", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Minimum Common Equity Tier 1 Capital required to be well-capitalized", "documentation": "Amount of minimum Common Equity Tier 1 risk-based capital categorized as well capitalized as defined by regulatory framework for prompt corrective action." } } }, "auth_ref": [ "r862" ] }, "us-gaap_CommonStockDividendsPerShareCashPaid": { "xbrltype": "perShareItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommonStockDividendsPerShareCashPaid", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Dividends per share", "documentation": "Aggregate dividends paid during the period for each share of common stock outstanding." } } }, "auth_ref": [ "r159" ] }, "us-gaap_CommonStockDividendsPerShareDeclared": { "xbrltype": "perShareItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommonStockDividendsPerShareDeclared", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquityParenthetical" ], "lang": { "en-us": { "role": { "label": "Common Stock, Dividends, Per Share, Declared", "documentation": "Aggregate dividends declared during the period for each share of common stock outstanding." } } }, "auth_ref": [ "r159" ] }, "us-gaap_CommonStockMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommonStockMember", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "label": "Common Stock [Member]", "documentation": "Stock that is subordinate to all other stock of the issuer." } } }, "auth_ref": [ "r1089", "r1090", "r1091", "r1093", "r1094", "r1095", "r1098", "r1258", "r1259", "r1262", "r1402", "r1456", "r1462" ] }, "us-gaap_CommonStockParOrStatedValuePerShare": { "xbrltype": "perShareItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommonStockParOrStatedValuePerShare", "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheetsParenthetical" ], "lang": { "en-us": { "role": { "label": "Common stock, par value (in dollars per share)", "documentation": "Face amount or stated value per share of common stock." } } }, "auth_ref": [ "r121" ] }, "us-gaap_CommonStockSharesAuthorized": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommonStockSharesAuthorized", "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheetsParenthetical" ], "lang": { "en-us": { "role": { "label": "Common stock, authorized", "documentation": "The maximum number of common shares permitted to be issued by an entity's charter and bylaws." } } }, "auth_ref": [ "r121", "r939" ] }, "us-gaap_CommonStockSharesIssued": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommonStockSharesIssued", "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheetsParenthetical" ], "lang": { "en-us": { "role": { "label": "Common stock, issued", "documentation": "Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury." } } }, "auth_ref": [ "r121" ] }, "us-gaap_CommonStockSharesOutstanding": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommonStockSharesOutstanding", "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheetsParenthetical" ], "lang": { "en-us": { "role": { "label": "Common stock, outstanding", "documentation": "Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation." } } }, "auth_ref": [ "r25", "r121", "r939", "r957", "r1462", "r1463" ] }, "us-gaap_CommonStockValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CommonStockValue", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_StockholdersEquity", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Common stock - $0.01 par value, 75,000,000 shares authorized, 20,875,713 shares issued and outstanding at December 31, 2024; 21,666,807 shares issued and outstanding at December 31, 2023", "documentation": "Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity." } } }, "auth_ref": [ "r121", "r876", "r1082" ] }, "ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "CompActuallyPaidVsCoSelectedMeasureTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Compensation Actually Paid vs. Company Selected Measure" } } }, "auth_ref": [ "r1174" ] }, "ecd_CompActuallyPaidVsNetIncomeTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "CompActuallyPaidVsNetIncomeTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Compensation Actually Paid vs. Net Income" } } }, "auth_ref": [ "r1173" ] }, "ecd_CompActuallyPaidVsOtherMeasureTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "CompActuallyPaidVsOtherMeasureTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Compensation Actually Paid vs. Other Measure" } } }, "auth_ref": [ "r1175" ] }, "ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "CompActuallyPaidVsTotalShareholderRtnTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Compensation Actually Paid vs. Total Shareholder Return" } } }, "auth_ref": [ "r1172" ] }, "us-gaap_CompensationAndRetirementDisclosureAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CompensationAndRetirementDisclosureAbstract", "lang": { "en-us": { "role": { "label": "Retirement Benefits [Abstract]" } } }, "auth_ref": [] }, "us-gaap_CompensationRelatedCostsPolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CompensationRelatedCostsPolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Share-based Compensation Plans", "documentation": "Disclosure of accounting policy for salaries, bonuses, incentive awards, postretirement and postemployment benefits granted to employees, including equity-based arrangements; discloses methodologies for measurement, and the bases for recognizing related assets and liabilities and recognizing and reporting compensation expense." } } }, "auth_ref": [ "r161", "r163" ] }, "us-gaap_ComprehensiveIncomeNetOfTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ComprehensiveIncomeNetOfTax", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome" ], "lang": { "en-us": { "role": { "totalLabel": "Comprehensive income", "label": "Comprehensive Income (Loss), Net of Tax, Attributable to Parent", "documentation": "Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners." } } }, "auth_ref": [ "r36", "r310", "r312", "r319", "r854", "r887", "r888" ] }, "us-gaap_ComprehensiveIncomePolicyPolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ComprehensiveIncomePolicyPolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Comprehensive Income (Loss)", "documentation": "Disclosure of accounting policy for comprehensive income." } } }, "auth_ref": [] }, "us-gaap_ConcentrationRiskCreditRisk": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ConcentrationRiskCreditRisk", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Significant Group Concentrations of Credit Risk", "documentation": "Disclosure of accounting policy for credit risk." } } }, "auth_ref": [ "r104", "r247" ] }, "srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract", "lang": { "en-us": { "role": { "label": "Condensed Financial Information Disclosure [Abstract]" } } }, "auth_ref": [] }, "us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock", "presentation": [ "http://westfieldbank.com/role/CondensedParentCompanyFinancialStatements" ], "lang": { "en-us": { "role": { "label": "CONDENSED PARENT COMPANY FINANCIAL STATEMENTS", "documentation": "The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document." } } }, "auth_ref": [ "r329", "r1217" ] }, "srt_CondensedFinancialStatementsCaptionsLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "CondensedFinancialStatementsCaptionsLineItems", "presentation": [ "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Condensed Financial Statements, Captions [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [ "r269", "r276", "r277", "r278", "r329", "r1217" ] }, "srt_ConsolidatedEntitiesAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "ConsolidatedEntitiesAxis", "presentation": [ "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Consolidated Entities [Axis]", "documentation": "Information by consolidated entity or group of entities." } } }, "auth_ref": [ "r269", "r275", "r329", "r698", "r699", "r700", "r701", "r802", "r1011", "r1233", "r1234", "r1235", "r1343", "r1346", "r1347" ] }, "srt_ConsolidatedEntitiesDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "ConsolidatedEntitiesDomain", "presentation": [ "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "documentation": "Entity or group of entities consolidated into reporting entity." } } }, "auth_ref": [ "r269", "r275", "r329", "r698", "r699", "r700", "r701", "r802", "r1011", "r1233", "r1234", "r1235", "r1343", "r1346", "r1347" ] }, "us-gaap_ConsolidationPolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ConsolidationPolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Principles of Consolidation", "documentation": "Disclosure of accounting policy regarding (1) the principles it follows in consolidating or combining the separate financial statements, including the principles followed in determining the inclusion or exclusion of subsidiaries or other entities in the consolidated or combined financial statements and (2) its treatment of interests (for example, common stock, a partnership interest or other means of exerting influence) in other entities, for example consolidation or use of the equity or cost methods of accounting. The accounting policy may also address the accounting treatment for intercompany accounts and transactions, noncontrolling interest, and the income statement treatment in consolidation for issuances of stock by a subsidiary." } } }, "auth_ref": [ "r78", "r1020" ] }, "us-gaap_ConsumerLoanMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ConsumerLoanMember", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails", "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails", "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Consumer Loan [Member]", "documentation": "Loan or extension of credit for personal, family, or household use excluding real estate." } } }, "auth_ref": [ "r1041" ] }, "us-gaap_CoreDepositsMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CoreDepositsMember", "presentation": [ "http://westfieldbank.com/role/GoodwillAndOtherIntangiblesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Core Deposits [Member]", "documentation": "Entity's long-term relationships with depositors, commonly known as core deposit intangibles, which are separate from the financial instruments themselves." } } }, "auth_ref": [ "r102", "r1322", "r1323", "r1324", "r1325", "r1326", "r1327", "r1329", "r1330" ] }, "wneb_CorporateBondsMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "CorporateBondsMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details", "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Corporate Bonds [Member]", "documentation": "Corporate Bonds" } } }, "auth_ref": [] }, "us-gaap_CorporateDebtSecuritiesMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CorporateDebtSecuritiesMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Corporate Debt Securities [Member]", "documentation": "Debt securities issued by domestic or foreign corporate business, banks and other entities with a promise of repayment." } } }, "auth_ref": [ "r1052", "r1054", "r1070", "r1084", "r1087", "r1453" ] }, "dei_CountryRegion": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "CountryRegion", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Country Region", "documentation": "Region code of country" } } }, "auth_ref": [] }, "dei_CoverAbstract": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "CoverAbstract", "lang": { "en-us": { "role": { "label": "Cover [Abstract]", "documentation": "Cover page." } } }, "auth_ref": [] }, "us-gaap_CreditLossStatusAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CreditLossStatusAxis", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Credit Loss Status [Axis]", "documentation": "Information by credit loss status of financial asset." } } }, "auth_ref": [ "r1310", "r1316" ] }, "us-gaap_CreditLossStatusDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CreditLossStatusDomain", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "documentation": "Credit loss status of financial asset." } } }, "auth_ref": [] }, "us-gaap_CriticizedMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CriticizedMember", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesInformationAboutTotalLoansRatedSpecialMentionSubstandardDoubtfulOrLossForPeriodsNoted.Details" ], "lang": { "en-us": { "role": { "label": "Criticized [Member]", "documentation": "Credit rating classification which identifies weaknesses related to credit risk. Includes, but is not limited to, special mention, substandard and doubtful classifications. Excludes noncriticized classification." } } }, "auth_ref": [ "r1315" ] }, "wneb_CumulativeEffectAccountingAdjustment": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "CumulativeEffectAccountingAdjustment", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquityParenthetical" ], "lang": { "en-us": { "role": { "label": "Cumulative effect accounting adjustment, before tax", "documentation": "Cumulative effect accounting adjustment, before tax." } } }, "auth_ref": [] }, "wneb_CumulativeEffectAccountingAdjustmentNet": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "CumulativeEffectAccountingAdjustmentNet", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "label": "Cumulative effect accounting adjustment", "documentation": "Cumulative effect accounting adjustment, net of tax." } } }, "auth_ref": [] }, "wneb_CumulativeEffectAccountingAdjustmentTax": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "CumulativeEffectAccountingAdjustmentTax", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquityParenthetical" ], "lang": { "en-us": { "role": { "label": "Cumulative effect accounting adjustment, tax", "documentation": "Cumulative effect accounting adjustment, ta effect." } } }, "auth_ref": [] }, "srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Cumulative Effect, Period of Adoption, Adjusted Balance [Member]", "documentation": "Represents amount after cumulative-effect adjustment to financial statements in period of adoption of amendment to accounting standards." } } }, "auth_ref": [ "r1220", "r1236", "r1261", "r1308", "r1309", "r1331", "r1393", "r1394", "r1396", "r1397", "r1401", "r1402", "r1403", "r1428" ] }, "srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "CumulativeEffectPeriodOfAdoptionAdjustmentMember", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Cumulative Effect, Period of Adoption, Adjustment [Member]", "documentation": "Increase (decrease) to financial statements for cumulative-effect adjustment in period of adoption of amendment to accounting standards." } } }, "auth_ref": [ "r279", "r284", "r335", "r342", "r349", "r442", "r448", "r489", "r671", "r672", "r684", "r686", "r715", "r717", "r718", "r720", "r721", "r722", "r727", "r730", "r732", "r733", "r794" ] }, "srt_CumulativeEffectPeriodOfAdoptionAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "CumulativeEffectPeriodOfAdoptionAxis", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Cumulative Effect, Period of Adoption [Axis]", "documentation": "Information by cumulative-effect adjustment to financial statements in period of adoption of amendment to accounting standards." } } }, "auth_ref": [ "r279", "r284", "r335", "r342", "r349", "r442", "r448", "r489", "r671", "r672", "r684", "r686", "r715", "r717", "r718", "r720", "r721", "r722", "r727", "r730", "r732", "r733", "r794" ] }, "srt_CumulativeEffectPeriodOfAdoptionDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "CumulativeEffectPeriodOfAdoptionDomain", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails" ], "lang": { "en-us": { "role": { "documentation": "Cumulative-effect adjustment to financial statements in period of adoption of amendment to accounting standards." } } }, "auth_ref": [ "r279", "r284", "r335", "r342", "r349", "r442", "r448", "r489", "r671", "r672", "r684", "r686", "r715", "r717", "r718", "r720", "r721", "r722", "r727", "r730", "r732", "r733", "r794" ] }, "us-gaap_CurrentFederalTaxExpenseBenefit": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CurrentFederalTaxExpenseBenefit", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails": { "parentTag": "us-gaap_CurrentIncomeTaxExpenseBenefit", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails" ], "lang": { "en-us": { "role": { "label": "Federal", "documentation": "Amount of current federal tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, current national tax expense (benefit) for non-US (United States of America) jurisdiction." } } }, "auth_ref": [ "r1221", "r1256", "r1395" ] }, "dei_CurrentFiscalYearEndDate": { "xbrltype": "gMonthDayItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "CurrentFiscalYearEndDate", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Current Fiscal Year End Date", "documentation": "End date of current fiscal year in the format --MM-DD." } } }, "auth_ref": [] }, "us-gaap_CurrentIncomeTaxExpenseBenefit": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CurrentIncomeTaxExpenseBenefit", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails": { "parentTag": "us-gaap_IncomeTaxExpenseBenefit", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails" ], "lang": { "en-us": { "role": { "totalLabel": "Total", "label": "Current Income Tax Expense (Benefit)", "documentation": "Amount of current income tax expense (benefit) pertaining to taxable income (loss) from continuing operations." } } }, "auth_ref": [ "r670", "r1256" ] }, "us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract", "presentation": [ "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails" ], "lang": { "en-us": { "role": { "label": "Current tax provision:" } } }, "auth_ref": [] }, "us-gaap_CurrentStateAndLocalTaxExpenseBenefit": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "CurrentStateAndLocalTaxExpenseBenefit", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails": { "parentTag": "us-gaap_CurrentIncomeTaxExpenseBenefit", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails" ], "lang": { "en-us": { "role": { "label": "State", "documentation": "Amount of current state and local tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, current regional, territorial, and provincial tax expense (benefit) for non-US (United States of America) jurisdiction." } } }, "auth_ref": [ "r1221", "r1256", "r1395" ] }, "wneb_CustomerCounterpartiesDerivativesMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "CustomerCounterpartiesDerivativesMember", "presentation": [ "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "label": "Customer counterparties [Member]", "documentation": "Customer counterparties." } } }, "auth_ref": [] }, "cyd_CybersecurityRiskBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock", "presentation": [ "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure" ], "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]" } } }, "auth_ref": [ "r1123", "r1208" ] }, "cyd_CybersecurityRiskBoardOfDirectorsOversightTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskBoardOfDirectorsOversightTextBlock", "presentation": [ "http://westfieldbank.com/role/Governance.", "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure" ], "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Board of Directors Oversight [Text Block]", "verboseLabel": "Governance." } } }, "auth_ref": [ "r1123", "r1208" ] }, "cyd_CybersecurityRiskManagementExpertiseOfManagementResponsibleTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskManagementExpertiseOfManagementResponsibleTextBlock", "presentation": [ "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure" ], "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Management Expertise of Management Responsible [Text Block]" } } }, "auth_ref": [ "r1125", "r1210" ] }, "cyd_CybersecurityRiskManagementPositionsOrCommitteesResponsibleFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskManagementPositionsOrCommitteesResponsibleFlag", "presentation": [ "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure" ], "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Management Positions or Committees Responsible [Flag]" } } }, "auth_ref": [ "r1125", "r1210" ] }, "cyd_CybersecurityRiskManagementPositionsOrCommitteesResponsibleReportToBoardFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskManagementPositionsOrCommitteesResponsibleReportToBoardFlag", "presentation": [ "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure" ], "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]" } } }, "auth_ref": [ "r1127", "r1212" ] }, "cyd_CybersecurityRiskManagementPositionsOrCommitteesResponsibleTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskManagementPositionsOrCommitteesResponsibleTextBlock", "presentation": [ "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure" ], "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Management Positions or Committees Responsible [Text Block]" } } }, "auth_ref": [ "r1125", "r1210" ] }, "cyd_CybersecurityRiskManagementProcessesForAssessingIdentifyingAndManagingThreatsTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskManagementProcessesForAssessingIdentifyingAndManagingThreatsTextBlock", "presentation": [ "http://westfieldbank.com/role/RiskManagementStrategy.", "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure" ], "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]", "verboseLabel": "Risk Management & Strategy." } } }, "auth_ref": [ "r1118", "r1203" ] }, "cyd_CybersecurityRiskManagementProcessesIntegratedFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskManagementProcessesIntegratedFlag", "presentation": [ "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure" ], "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Management Processes Integrated [Flag]" } } }, "auth_ref": [ "r1119", "r1204" ] }, "cyd_CybersecurityRiskManagementProcessesIntegratedTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskManagementProcessesIntegratedTextBlock", "presentation": [ "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure" ], "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Management Processes Integrated [Text Block]" } } }, "auth_ref": [ "r1119", "r1204" ] }, "cyd_CybersecurityRiskManagementStrategyAndGovernanceAbstract": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskManagementStrategyAndGovernanceAbstract", "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Management, Strategy, and Governance [Abstract]" } } }, "auth_ref": [ "r1117", "r1202" ] }, "cyd_CybersecurityRiskManagementThirdPartyEngagedFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskManagementThirdPartyEngagedFlag", "presentation": [ "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure" ], "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Management Third Party Engaged [Flag]" } } }, "auth_ref": [ "r1120", "r1205" ] }, "cyd_CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantFlag", "presentation": [ "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure" ], "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]" } } }, "auth_ref": [ "r1122", "r1207" ] }, "cyd_CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantTextBlock", "presentation": [ "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure" ], "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Text Block]" } } }, "auth_ref": [ "r1122", "r1207" ] }, "cyd_CybersecurityRiskProcessForInformingBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskProcessForInformingBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock", "presentation": [ "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure" ], "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]" } } }, "auth_ref": [ "r1123", "r1208" ] }, "cyd_CybersecurityRiskProcessForInformingManagementOrCommitteesResponsibleTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskProcessForInformingManagementOrCommitteesResponsibleTextBlock", "presentation": [ "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure" ], "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]" } } }, "auth_ref": [ "r1126", "r1211" ] }, "cyd_CybersecurityRiskRoleOfManagementTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskRoleOfManagementTextBlock", "presentation": [ "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure" ], "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Role of Management [Text Block]" } } }, "auth_ref": [ "r1124", "r1209" ] }, "cyd_CybersecurityRiskThirdPartyOversightAndIdentificationProcessesFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "CybersecurityRiskThirdPartyOversightAndIdentificationProcessesFlag", "presentation": [ "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure" ], "lang": { "en-us": { "role": { "label": "Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]" } } }, "auth_ref": [ "r1121", "r1206" ] }, "wneb_DealerCounterpartiesDerivativesMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DealerCounterpartiesDerivativesMember", "presentation": [ "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "label": "Dealer counterparties [Member]", "documentation": "Dealer counterparties." } } }, "auth_ref": [] }, "wneb_DebitCardAndATMProcessingExpense": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DebitCardAndATMProcessingExpense", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestExpense", "weight": 1.0, "order": 6.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Debit card and ATM processing expense", "documentation": "Debit card and ATM processing expense during the period." } } }, "auth_ref": [] }, "us-gaap_DebtDisclosureAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtDisclosureAbstract", "lang": { "en-us": { "role": { "label": "Debt Disclosure [Abstract]" } } }, "auth_ref": [] }, "us-gaap_DebtInstrumentAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtInstrumentAxis", "presentation": [ "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails", "http://westfieldbank.com/role/Long-termDebtDetailsNarrative", "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative", "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Debt Instrument [Axis]", "documentation": "Information by type of debt instrument, including, but not limited to, draws against credit facilities." } } }, "auth_ref": [ "r33", "r109", "r110", "r181", "r185", "r329", "r509", "r510", "r511", "r512", "r513", "r514", "r515", "r516", "r517", "r518", "r519", "r520", "r521", "r522", "r523", "r524", "r1046", "r1047", "r1048", "r1049", "r1050", "r1080", "r1254", "r1335", "r1336", "r1337", "r1423", "r1425" ] }, "us-gaap_DebtInstrumentBasisSpreadOnVariableRate1": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtInstrumentBasisSpreadOnVariableRate1", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Interest rate basis spread", "documentation": "Percentage points added to the reference rate to compute the variable rate on the debt instrument." } } }, "auth_ref": [] }, "us-gaap_DebtInstrumentDescriptionOfVariableRateBasis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtInstrumentDescriptionOfVariableRateBasis", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Benchmark rate", "documentation": "Description of reference rate used for variable rate of debt instrument." } } }, "auth_ref": [] }, "us-gaap_DebtInstrumentFaceAmount": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtInstrumentFaceAmount", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Principal amount", "documentation": "Face (par) amount of debt instrument at time of issuance." } } }, "auth_ref": [ "r509", "r772", "r773", "r1047", "r1048", "r1080" ] }, "us-gaap_DebtInstrumentInterestRateEffectivePercentage": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtInstrumentInterestRateEffectivePercentage", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "verboseLabel": "Interest rate", "label": "Debt Instrument, Interest Rate, Effective Percentage", "documentation": "Effective interest rate for the funds borrowed under the debt agreement considering interest compounding and original issue discount or premium." } } }, "auth_ref": [ "r112", "r527", "r772", "r773", "r1080" ] }, "us-gaap_DebtInstrumentInterestRateStatedPercentage": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtInstrumentInterestRateStatedPercentage", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Interest rate", "documentation": "Contractual interest rate for funds borrowed, under the debt agreement." } } }, "auth_ref": [ "r112", "r510" ] }, "us-gaap_DebtInstrumentLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtInstrumentLineItems", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Debt Instrument [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [ "r329", "r509", "r510", "r511", "r512", "r513", "r514", "r515", "r516", "r517", "r518", "r519", "r520", "r521", "r522", "r523", "r524", "r525", "r1046", "r1047", "r1048", "r1049", "r1050", "r1080", "r1254", "r1423", "r1425" ] }, "us-gaap_DebtInstrumentMaturityDate": { "xbrltype": "dateItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtInstrumentMaturityDate", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Maturity Date", "documentation": "Date when the debt instrument is scheduled to be fully repaid, in YYYY-MM-DD format." } } }, "auth_ref": [ "r296", "r1046", "r1408", "r1409" ] }, "us-gaap_DebtInstrumentNameDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtInstrumentNameDomain", "presentation": [ "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails", "http://westfieldbank.com/role/Long-termDebtDetailsNarrative", "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative", "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "The name for the particular debt instrument or borrowing that distinguishes it from other debt instruments or borrowings, including draws against credit facilities." } } }, "auth_ref": [ "r33", "r329", "r509", "r510", "r511", "r512", "r513", "r514", "r515", "r516", "r517", "r518", "r519", "r520", "r521", "r522", "r523", "r524", "r1046", "r1047", "r1048", "r1049", "r1050", "r1080", "r1254", "r1335", "r1336", "r1337", "r1423", "r1425" ] }, "us-gaap_DebtInstrumentRedemptionPeriodAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtInstrumentRedemptionPeriodAxis", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Debt Instrument, Redemption, Period [Axis]", "documentation": "Information by period of debt redemption feature under terms of debt agreement." } } }, "auth_ref": [ "r210" ] }, "us-gaap_DebtInstrumentRedemptionPeriodDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtInstrumentRedemptionPeriodDomain", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "Period as defined under terms of the debt agreement for debt redemption features." } } }, "auth_ref": [ "r210" ] }, "us-gaap_DebtInstrumentRedemptionPeriodOneMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtInstrumentRedemptionPeriodOneMember", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Debt Instrument, Redemption, Period One [Member]", "documentation": "Period one representing most current period of debt redemption features under terms of the debt agreement." } } }, "auth_ref": [ "r210" ] }, "us-gaap_DebtInstrumentRedemptionPeriodStartDate": { "xbrltype": "dateItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtInstrumentRedemptionPeriodStartDate", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Earliest redemption date", "documentation": "Start date of debt instrument redemption period, in YYYY-MM-DD format." } } }, "auth_ref": [ "r210" ] }, "us-gaap_DebtInstrumentRedemptionPeriodTwoMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtInstrumentRedemptionPeriodTwoMember", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Debt Instrument, Redemption, Period Two [Member]", "documentation": "Period two representing second most current period of debt redemption features under terms of the debt agreement." } } }, "auth_ref": [ "r210" ] }, "us-gaap_DebtInstrumentTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtInstrumentTable", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Schedule of Long-Term Debt Instruments [Table]", "documentation": "Disclosure of information about long-term debt instrument or arrangement." } } }, "auth_ref": [ "r33", "r59", "r60", "r103", "r157", "r158", "r329", "r509", "r510", "r511", "r512", "r513", "r514", "r515", "r516", "r517", "r518", "r519", "r520", "r521", "r522", "r523", "r524", "r525", "r1046", "r1047", "r1048", "r1049", "r1050", "r1080", "r1254", "r1423", "r1425" ] }, "us-gaap_DebtInstrumentUnusedBorrowingCapacityAmount": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtInstrumentUnusedBorrowingCapacityAmount", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Borrowing capacity", "documentation": "Amount of unused borrowing capacity under the long-term financing arrangement that is available to the entity as of the balance sheet date." } } }, "auth_ref": [ "r113", "r498" ] }, "us-gaap_DebtLongtermAndShorttermCombinedAmount": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtLongtermAndShorttermCombinedAmount", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Liabilities", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Total borrowings", "documentation": "Represents the aggregate of total long-term debt, including current maturities and short-term debt." } } }, "auth_ref": [] }, "us-gaap_DebtLongtermAndShorttermCombinedAmountAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtLongtermAndShorttermCombinedAmountAbstract", "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Borrowings:" } } }, "auth_ref": [] }, "us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Accrued interest receivable on available for sale securities", "documentation": "Amount, after allowance for credit loss, of accrued interest on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)." } } }, "auth_ref": [ "r410", "r467", "r468", "r469" ] }, "us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "totalLabel": "Total, amortized cost", "label": "Debt Securities, Available-for-Sale and Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss", "documentation": "Amortized cost, before allowance for credit loss, of investment in debt security measured at amortized cost (held-to-maturity) and investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)." } } }, "auth_ref": [ "r1284", "r1293" ] }, "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "totalLabel": "Total, over 12 months, fair value", "documentation": "Amount of investment in available-for-sale and held-to-maturity debt securities in continuous unrealized loss position 12 months or longer.", "label": "Debt Securities, Available-for-sale and Held-to-Maturity, Continuous Unrealized Loss Position, 12 Months or Longer" } } }, "auth_ref": [] }, "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "totalLabel": "Total, over 12 months, gross unrealized loss", "documentation": "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.", "label": "Debt Securities, Available-for-sale and Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss" } } }, "auth_ref": [] }, "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions": { "xbrltype": "integerItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "totalLabel": "Total, over 12 months, number of securities", "documentation": "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.", "label": "Debt Securities, Available-for-Sale and Held-to-Maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Number of Positions" } } }, "auth_ref": [] }, "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12Months": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12Months", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "totalLabel": "Total, less than 12 months, fair value", "documentation": "Amount of investment in available-for-sale and held-to-maturity debt securities in continuous unrealized loss position for less than 12 months.", "label": "Debt Securities, Available-for-sale and Held-to-Maturity, Continuous Unrealized Loss Position, Less than 12 Months" } } }, "auth_ref": [] }, "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "totalLabel": "Total, less than 12 months, gross unrealized loss", "documentation": "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.", "label": "Debt Securities, Available-for-sale and Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss" } } }, "auth_ref": [] }, "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions": { "xbrltype": "integerItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "totalLabel": "Total, less than 12 months, number of securities", "documentation": "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.", "label": "Debt Securities, Available-for-Sale and Held-to-Maturity, Continuous Unrealized Loss Position, Less than 12 Months, Number of Positions" } } }, "auth_ref": [] }, "us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "totalLabel": "Total, gross unrealized gains", "label": "Debt Securities, Available-for-Sale and Held-to-Maturity, Cumulative Unrecognized Gain", "documentation": "Amount of cumulative unrecognized gain on investment in debt security measured at amortized cost (held-to-maturity) and investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)." } } }, "auth_ref": [ "r1286", "r1299" ] }, "us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "negatedTotalLabel": "Total, gross unrealized losses", "label": "Debt Securities, Available-for-Sale and Held-to-Maturity, Cumulative Unrecognized Loss", "documentation": "Amount of cumulative unrecognized loss on investment in debt security measured at amortized cost (held-to-maturity) and investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)." } } }, "auth_ref": [ "r1287", "r1300" ] }, "us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "totalLabel": "Total, fair value", "label": "Securities fair value", "documentation": "Fair value of investment in debt security measured at amortized cost (held-to-maturity) and investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)." } } }, "auth_ref": [ "r1285", "r1298" ] }, "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Available-for-sale, over 12 months, fair value", "documentation": "Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for more than 12 months, without allowance for credit loss. Includes beneficial interest in securitized financial asset." } } }, "auth_ref": [ "r236", "r473", "r1043" ] }, "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Available-for-sale, over 12 months, gross unrealized loss", "documentation": "Amount of accumulated unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for 12 months or longer, without allowance for credit loss. Includes beneficial interest in securitized financial asset." } } }, "auth_ref": [ "r236", "r473" ] }, "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions": { "xbrltype": "integerItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Available-for-sale, over 12 months, number of securities", "documentation": "Number of investments in debt securities measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for 12 months or longer, without an allowance for credit loss. Includes beneficial interest in securitized financial asset." } } }, "auth_ref": [ "r1317" ] }, "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12Months", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Available-for-sale, less than 12 months, fair value", "documentation": "Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for less than 12 months, without allowance for credit loss. Includes beneficial interest in securitized financial asset." } } }, "auth_ref": [ "r236", "r473", "r1043" ] }, "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Available-for-sale, less than 12 months, gross unrealized loss", "documentation": "Amount of accumulated unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for less than 12 months, without allowance for credit loss. Includes beneficial interest in securitized financial asset." } } }, "auth_ref": [ "r236", "r473" ] }, "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions": { "xbrltype": "integerItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Available-for-sale, less than 12 months, number of securities", "documentation": "Number of investments in debt securities measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for less than 12 months, without an allowance for credit loss. Includes beneficial interest in securitized financial asset." } } }, "auth_ref": [ "r1317" ] }, "us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesAvailableForSaleRealizedGainLoss", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0, "order": 5.0 }, "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": -1.0, "order": 15.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows", "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Loss on available-for-sale securities, net", "negatedLabel": "Net loss on sales of available-for-sale securities", "documentation": "Amount of realized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)." } } }, "auth_ref": [ "r1302" ] }, "us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesAvailableForSaleRealizedLoss", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Gross realized losses on sales of securities available-for-sale", "documentation": "Amount of realized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)." } } }, "auth_ref": [ "r435" ] }, "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Available-for-sale, gross unrealized loss", "documentation": "Amount of accumulated unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in unrealized loss position, without allowance for credit loss. Includes beneficial interest in securitized financial asset." } } }, "auth_ref": [ "r234", "r471" ] }, "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions": { "xbrltype": "integerItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Available-for-sale, number of securities, fair value less than amortized cost", "documentation": "Number of investments in debt securities measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in unrealized loss position, without allowance for credit loss. Includes beneficial interest in securitized financial asset." } } }, "auth_ref": [ "r235", "r472" ] }, "us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Accrued interest receivable on held-to-maturity securities", "documentation": "Amount, after allowance for credit loss, of accrued interest on investment in debt security measured at amortized cost (held-to-maturity)." } } }, "auth_ref": [ "r434", "r450", "r461" ] }, "us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList": { "xbrltype": "enumerationSetItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Debt Securities, Held-to-Maturity, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]", "documentation": "Indicates line item in statement of financial position that includes accrued interest, after allowance for credit loss, on investment in debt security measured at amortized cost (held-to-maturity)." } } }, "auth_ref": [ "r461" ] }, "wneb_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions": { "xbrltype": "integerItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity, over 12 months, number of securities", "documentation": "Number of investments in debt securities measured at amortized cost (held-to-maturity), in continuous unrealized loss position for 12 months or longer." } } }, "auth_ref": [] }, "wneb_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions": { "xbrltype": "integerItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity, less than 12 months, number of securities", "documentation": "Number of investments in debt securities measured at amortized cost (held-to-maturity), in continuous unrealized loss position for less than 12 months." } } }, "auth_ref": [] }, "wneb_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionNumberOfPositions": { "xbrltype": "integerItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionNumberOfPositions", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity, number of securities, fair value less than amortized cost", "documentation": "Number of investments in debt securities measured at amortized cost (held-to-maturity), in continuous unrealized loss position." } } }, "auth_ref": [] }, "us-gaap_DebtSecuritiesMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtSecuritiesMember", "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Debt Securities [Member]", "documentation": "Debt instrument issued by corporations, governments and governmental agencies, municipalities, and other institutions." } } }, "auth_ref": [ "r54", "r1091", "r1466" ] }, "us-gaap_DebtWeightedAverageInterestRate": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DebtWeightedAverageInterestRate", "presentation": [ "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Debt, Weighted Average Interest Rate", "documentation": "Weighted average interest rate of debt outstanding." } } }, "auth_ref": [] }, "us-gaap_DeferredCompensationEquity": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredCompensationEquity", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_StockholdersEquity", "weight": -1.0, "order": 5.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "negatedLabel": "Unearned compensation - Equity Incentive Plan", "label": "Deferred Compensation Equity", "documentation": "Value of stock issued under share-based plans to employees or officers which is the unearned portion, accounted for under the fair value method." } } }, "auth_ref": [ "r67", "r125" ] }, "us-gaap_DeferredCompensationShareBasedPaymentsMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredCompensationShareBasedPaymentsMember", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "label": "Deferred Compensation, Share-Based Payments [Member]", "documentation": "Deferred compensation arrangements (such as stock or unit options and share or unit awards) that are equity-based payments with individual employees. The arrangements are generally based on employment contracts between the entity and one or more selected officers or key employees, and contain a promise by the employer to pay certain amounts or benefits at designated future dates, upon compliance with stipulated requirements. This type of arrangement is distinguished from broader based employee benefit plans as it is usually tailored to the employee. Other \"sub-members\" can be added as necessary." } } }, "auth_ref": [] }, "us-gaap_DeferredFederalIncomeTaxExpenseBenefit": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredFederalIncomeTaxExpenseBenefit", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails": { "parentTag": "us-gaap_DeferredIncomeTaxExpenseBenefit", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Federal", "label": "Deferred Federal Income Tax Expense (Benefit)", "documentation": "Amount of deferred federal tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, deferred national tax expense (benefit) for non-US (United States of America) jurisdiction." } } }, "auth_ref": [ "r1256", "r1392", "r1395" ] }, "us-gaap_DeferredFinanceCostsNet": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredFinanceCostsNet", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Issuance costs", "documentation": "Amount, after accumulated amortization, of debt issuance costs. Includes, but is not limited to, legal, accounting, underwriting, printing, and registration costs." } } }, "auth_ref": [ "r1349", "r1422", "r1423", "r1425" ] }, "us-gaap_DeferredIncomeTaxAssetsNet": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredIncomeTaxAssetsNet", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Assets", "weight": 1.0, "order": 8.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Deferred tax asset, net", "documentation": "Amount, after allocation of valuation allowances and deferred tax liability, of deferred tax asset attributable to deductible differences and carryforwards, with jurisdictional netting." } } }, "auth_ref": [ "r649", "r650" ] }, "us-gaap_DeferredIncomeTaxExpenseBenefit": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredIncomeTaxExpenseBenefit", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails": { "parentTag": "us-gaap_IncomeTaxExpenseBenefit", "weight": 1.0, "order": 2.0 }, "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0, "order": 18.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows", "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails" ], "lang": { "en-us": { "role": { "label": "Deferred income tax provision", "totalLabel": "Total", "documentation": "Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations." } } }, "auth_ref": [ "r14", "r253", "r1256" ] }, "us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract", "presentation": [ "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails" ], "lang": { "en-us": { "role": { "label": "Deferred tax provision:" } } }, "auth_ref": [] }, "us-gaap_DeferredIncomeTaxLiabilities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredIncomeTaxLiabilities", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredTaxAssetsNet", "weight": -1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "negatedTotalLabel": "Gross deferred tax liabilities", "label": "Deferred Tax Liabilities, Gross", "documentation": "Amount of deferred tax liability attributable to taxable temporary differences." } } }, "auth_ref": [ "r117", "r118", "r183", "r664" ] }, "us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredStateAndLocalIncomeTaxExpenseBenefit", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails": { "parentTag": "us-gaap_DeferredIncomeTaxExpenseBenefit", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "State", "label": "Deferred State and Local Income Tax Expense (Benefit)", "documentation": "Amount of deferred state and local tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, deferred regional, territorial, and provincial tax expense (benefit) for non-US (United States of America) jurisdiction." } } }, "auth_ref": [ "r1256", "r1392", "r1395" ] }, "us-gaap_DeferredTaxAssetInterestCarryforward": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredTaxAssetInterestCarryforward", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredTaxAssetsGross", "weight": 1.0, "order": 8.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Interest payable", "documentation": "Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible interest carryforward." } } }, "auth_ref": [ "r1390" ] }, "us-gaap_DeferredTaxAssetsDeferredIncome": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredTaxAssetsDeferredIncome", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredTaxAssetsGross", "weight": 1.0, "order": 6.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Nonperforming interest", "documentation": "Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from deferred income." } } }, "auth_ref": [ "r1390" ] }, "wneb_DeferredTaxAssetsFDICAssessment": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DeferredTaxAssetsFDICAssessment", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredTaxAssetsGross", "weight": 1.0, "order": 7.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "FDIC assessment", "documentation": "Amount, before allocation of valuation allowance, of deferred tax asset attributable to FDIC assessment." } } }, "auth_ref": [] }, "us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredTaxAssetsGoodwillAndIntangibleAssets", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredTaxAssetsGross", "weight": 1.0, "order": 9.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Purchased mortgage servicing rights", "documentation": "Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from intangible assets including goodwill." } } }, "auth_ref": [ "r1390" ] }, "us-gaap_DeferredTaxAssetsGross": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredTaxAssetsGross", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredTaxAssetsNet", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "totalLabel": "Gross deferred tax assets", "label": "Deferred Tax Assets, Gross", "documentation": "Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards." } } }, "auth_ref": [ "r665" ] }, "us-gaap_DeferredTaxAssetsGrossAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredTaxAssetsGrossAbstract", "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Deferred tax assets:" } } }, "auth_ref": [] }, "wneb_DeferredTaxAssetsLeaseLiability": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DeferredTaxAssetsLeaseLiability", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredTaxAssetsGross", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Lease liability", "documentation": "Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary difference from lease liability." } } }, "auth_ref": [] }, "us-gaap_DeferredTaxAssetsNet": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredTaxAssetsNet", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "totalLabel": "Net deferred tax asset", "label": "Deferred Tax Assets, Net of Valuation Allowance", "documentation": "Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards." } } }, "auth_ref": [ "r1386" ] }, "us-gaap_DeferredTaxAssetsOther": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredTaxAssetsOther", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredTaxAssetsGross", "weight": 1.0, "order": 10.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Other", "documentation": "Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary differences, classified as other." } } }, "auth_ref": [ "r1390" ] }, "us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeBenefits": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeBenefits", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredTaxAssetsGross", "weight": 1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Employee benefit and share-based compensation plans", "documentation": "Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary differences from employee benefits, classified as other." } } }, "auth_ref": [ "r1390" ] }, "us-gaap_DeferredTaxAssetsTaxDeferredExpenseOther": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredTaxAssetsTaxDeferredExpenseOther", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredTaxAssetsGross", "weight": 1.0, "order": 5.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Accrued expenses", "documentation": "Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary differences from provisions, reserves, allowances, and accruals, classified as other." } } }, "auth_ref": [ "r1390" ] }, "us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredTaxAssetsGross", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Allowance for credit losses", "documentation": "Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary difference from allowance for credit loss on financing receivable." } } }, "auth_ref": [ "r1390" ] }, "us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredTaxAssetsGross", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Net unrealized loss on available-for-sale securities", "documentation": "Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary difference from unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)." } } }, "auth_ref": [ "r1390" ] }, "us-gaap_DeferredTaxLiabilitiesAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredTaxLiabilitiesAbstract", "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Deferred tax liabilities:" } } }, "auth_ref": [] }, "us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredIncomeTaxLiabilities", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Deferred loan fees", "label": "Deferred Tax Liabilities, Deferred Expense, Debt Issuance Costs", "documentation": "Amount of deferred tax liability attributable to taxable temporary differences from debt issuance costs." } } }, "auth_ref": [ "r1390" ] }, "wneb_DeferredTaxLiabilitiesLeaseRightOfUseAsset": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DeferredTaxLiabilitiesLeaseRightOfUseAsset", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredIncomeTaxLiabilities", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Lease right-of-use asset", "documentation": "The amount of deferred tax liabilities, lease right of use asset.", "label": "Deferred Tax Liabilities Lease Right Of Use Asset" } } }, "auth_ref": [] }, "us-gaap_DeferredTaxLiabilitiesOther": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredTaxLiabilitiesOther", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredIncomeTaxLiabilities", "weight": 1.0, "order": 5.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Other", "label": "Deferred Tax Liabilities, Other", "documentation": "Amount of deferred tax liability attributable to taxable temporary differences classified as other." } } }, "auth_ref": [ "r1390" ] }, "us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredTaxLiabilitiesPropertyPlantAndEquipment", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredIncomeTaxLiabilities", "weight": 1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Fixed asset depreciation", "label": "Deferred Tax Liabilities, Property, Plant and Equipment", "documentation": "Amount of deferred tax liability attributable to taxable temporary differences from property, plant, and equipment." } } }, "auth_ref": [ "r1390" ] }, "wneb_DeferredTaxLiabilitiesPurchaseAccountingAdjustmentsNet": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DeferredTaxLiabilitiesPurchaseAccountingAdjustmentsNet", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails": { "parentTag": "us-gaap_DeferredIncomeTaxLiabilities", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/TaxEffectsOfEachItemThatGivesRiseToDeferredTaxesAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Purchase accounting adjustments, net", "documentation": "Amount of deferred tax liability attributable to taxable net of purchase accounting adjustments.", "label": "Deferred Tax Liabilities Purchase Accounting Adjustments Net" } } }, "auth_ref": [] }, "us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/IncomeTaxesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Deferred tax liability not recognized", "documentation": "Amount of deferred tax liability not recognized because of the exceptions to comprehensive recognition of deferred taxes related to bad debt reserve for tax purposes of a qualified lender." } } }, "auth_ref": [ "r23" ] }, "us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanAccumulatedBenefitObligation", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "periodEndLabel": "Accumulated benefit obligation at end of year", "label": "Defined Benefit Plan, Accumulated Benefit Obligation", "documentation": "Amount of actuarial present value of benefits attributed to employee service rendered, excluding assumptions about future compensation level." } } }, "auth_ref": [ "r565" ] }, "us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanActualReturnOnPlanAssets", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Actual return on plan assets", "documentation": "Amount of increase (decrease) in plan assets of defined benefit plan from actual return (loss) determined by change in fair value of plan assets adjusted for contributions, benefit payments, and other expenses." } } }, "auth_ref": [ "r547", "r1054" ] }, "us-gaap_DefinedBenefitPlanActuarialGainLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanActuarialGainLoss", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "negatedLabel": "Actuarial gain", "label": "Defined Benefit Plan, Benefit Obligation, Actuarial Gain (Loss)", "documentation": "Amount of gain (loss) from change in actuarial assumptions which (increases) decreases benefit obligation of defined benefit plan. Assumptions include, but are not limited to, interest, mortality, employee turnover, salary, and temporary deviation from substantive plan." } } }, "auth_ref": [ "r540" ] }, "us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate", "presentation": [ "http://westfieldbank.com/role/FollowingActuarialAssumptionsWereUsedInDeterminingNetPeriodicPensionCostForYearEndedDecember312023Details", "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Discount rate", "documentation": "Weighted average rate for present value of future retirement benefits cash flows, used to determine benefit obligation of defined benefit plan." } } }, "auth_ref": [ "r578" ] }, "us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets", "presentation": [ "http://westfieldbank.com/role/FollowingActuarialAssumptionsWereUsedInDeterminingNetPeriodicPensionCostForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Expected return on plan assets", "documentation": "Weighted average rate of return on plan assets, reflecting average rate of earnings expected on existing plan assets and expected contributions, used to determine net periodic benefit cost of defined benefit plan." } } }, "auth_ref": [ "r579", "r598" ] }, "wneb_DefinedBenefitPlanAssumptionsUsedInCalculationsTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DefinedBenefitPlanAssumptionsUsedInCalculationsTableTextBlock", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsTables" ], "lang": { "en-us": { "role": { "label": "The following actuarial assumptions were used in determining the net periodic pension cost for the year ended December 31, 2023:", "documentation": "Summary of assumptions (including assumed discount rates, rates of compensation increase, and expected long-term rates of return on plan assets) used to calculate the benefit obligation." } } }, "auth_ref": [] }, "us-gaap_DefinedBenefitPlanBenefitObligation": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanBenefitObligation", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "periodStartLabel": "Benefit obligation at beginning of year", "periodEndLabel": "Benefit obligation at end of year", "label": "Defined Benefit Plan, Benefit Obligation", "documentation": "Amount of actuarial present value of benefits attributed to service rendered by employee for defined benefit plan." } } }, "auth_ref": [ "r535" ] }, "us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanBenefitObligationBenefitsPaid", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "negatedLabel": "Benefits paid", "label": "Defined Benefit Plan, Benefit Obligation, Benefits Paid", "documentation": "Amount of payment to participant of defined benefit plan which decreases benefit obligation. For pension plan, payment includes, but is not limited to, pension benefits and death benefits. For other postretirement plan, payment includes, but is not limited to, prescription drug benefits, health care benefits, life insurance benefits, and legal, educational and advisory services." } } }, "auth_ref": [ "r542", "r601" ] }, "us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanChangeInBenefitObligationRollForward", "presentation": [ "http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Change in benefit obligation:", "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period." } } }, "auth_ref": [] }, "us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward", "presentation": [ "http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Change in plan assets:", "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period." } } }, "auth_ref": [] }, "us-gaap_DefinedBenefitPlanContributionsByEmployer": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanContributionsByEmployer", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Employer contribution", "documentation": "Amount of contribution received by defined benefit plan from employer which increases plan assets." } } }, "auth_ref": [ "r549", "r559", "r597", "r1052", "r1053", "r1054", "r1055" ] }, "us-gaap_DefinedBenefitPlanCurtailments": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanCurtailments", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "negatedLabel": "Effect of settlement/curtailment", "label": "Defined Benefit Plan, Benefit Obligation, (Increase) Decrease for Curtailment", "documentation": "Amount of (increase) decrease in benefit obligation of defined benefit plan from event reducing expected years of future service of present employees or eliminating accrual of benefits for some or all future services of present employees." } } }, "auth_ref": [ "r537" ] }, "us-gaap_DefinedBenefitPlanDisclosureLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanDisclosureLineItems", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Defined Benefit Plan Disclosure [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [] }, "us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanExpectedReturnOnPlanAssets", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/NetPensionCostIncludesFollowingComponentsForYearEndedDecember312023Details": { "parentTag": "us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost", "weight": -1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/NetPensionCostIncludesFollowingComponentsForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "negatedLabel": "Expected return on assets", "label": "Defined Benefit Plan, Expected Return (Loss) on Plan Assets", "documentation": "Amount of expected return (loss) recognized in net periodic benefit (cost) credit, calculated based on expected long-term rate of return and market-related value of plan assets of defined benefit plan." } } }, "auth_ref": [ "r534", "r571", "r592", "r1054", "r1055" ] }, "us-gaap_DefinedBenefitPlanFairValueOfPlanAssets": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanFairValueOfPlanAssets", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "periodStartLabel": "Fair value of plan assets at beginning of year", "periodEndLabel": "Fair value of plan assets at end of year", "label": "Defined Benefit Plan, Plan Assets, Amount", "documentation": "Amount of asset segregated and restricted to provide benefit under defined benefit plan. Asset includes, but is not limited to, stock, bond, other investment, earning from investment, and contribution by employer and employee." } } }, "auth_ref": [ "r546", "r557", "r559", "r560", "r1052", "r1053", "r1054" ] }, "us-gaap_DefinedBenefitPlanFundedStatusOfPlan": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanFundedStatusOfPlan", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "periodEndLabel": "Funded status and accrued benefit at end of year", "label": "Defined Benefit Plan, Funded (Unfunded) Status of Plan", "documentation": "Amount of funded (unfunded) status of defined benefit plan, measured as difference between fair value of plan assets and benefit obligation. Includes, but is not limited to, overfunded (underfunded) status." } } }, "auth_ref": [ "r532", "r555", "r1054" ] }, "us-gaap_DefinedBenefitPlanInterestCost": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanInterestCost", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/NetPensionCostIncludesFollowingComponentsForYearEndedDecember312023Details": { "parentTag": "us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details", "http://westfieldbank.com/role/NetPensionCostIncludesFollowingComponentsForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Interest", "verboseLabel": "Interest cost", "documentation": "Amount of cost recognized for passage of time related to defined benefit plan." } } }, "auth_ref": [ "r534", "r538", "r570", "r591", "r1054", "r1055" ] }, "us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanNetPeriodicBenefitCost", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/NetPensionCostIncludesFollowingComponentsForYearEndedDecember312023Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/NetPensionCostIncludesFollowingComponentsForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "totalLabel": "Net periodic pension cost", "label": "Defined Benefit Plan, Net Periodic Benefit Cost (Credit)", "documentation": "Amount of net periodic benefit cost (credit) for defined benefit plan." } } }, "auth_ref": [ "r568", "r589", "r1054", "r1055" ] }, "wneb_DefinedBenefitPlanNetPeriodicBenefitCostCreditExpectedReturnLossStatementOfIncomeOrComprehensiveIncomeExtensibleListNotDisclosedFlag": { "xbrltype": "booleanItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DefinedBenefitPlanNetPeriodicBenefitCostCreditExpectedReturnLossStatementOfIncomeOrComprehensiveIncomeExtensibleListNotDisclosedFlag", "presentation": [ "http://westfieldbank.com/role/NetPensionCostIncludesFollowingComponentsForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Defined Benefit Plan, Net Periodic Benefit (Cost) Credit, Expected Return (Loss), Statement of Income or Comprehensive Income Extensible Enumeration Not Disclosed", "documentation": "Indicates line item in statement of income or comprehensive income that includes expected return (loss) on plan asset component of net periodic benefit (cost) credit for defined benefit plan not disclosed." } } }, "auth_ref": [] }, "wneb_DefinedBenefitPlanNetPeriodicBenefitCostCreditInterestCostStatementOfIncomeOrComprehensiveIncomeExtensibleListNotDisclosedFlag": { "xbrltype": "booleanItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DefinedBenefitPlanNetPeriodicBenefitCostCreditInterestCostStatementOfIncomeOrComprehensiveIncomeExtensibleListNotDisclosedFlag", "presentation": [ "http://westfieldbank.com/role/NetPensionCostIncludesFollowingComponentsForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Interest Cost, Statement of Income or Comprehensive Income Extensible Enumeration Not Disclosed", "documentation": "Indicates line item in statement of income or comprehensive income that includes interest cost component of net periodic benefit cost (credit) for defined benefit plan not disclosed." } } }, "auth_ref": [] }, "wneb_DefinedBenefitPlanNetPeriodicBenefitCostTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DefinedBenefitPlanNetPeriodicBenefitCostTableTextBlock", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsTables" ], "lang": { "en-us": { "role": { "label": "Net pension cost includes the following components for the year ended December 31, 2023:", "documentation": "Summary of the amount of net periodic benefit cost for defined benefit plans for the period." } } }, "auth_ref": [] }, "us-gaap_DefinedBenefitPlanOtherCosts": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanOtherCosts", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/NetPensionCostIncludesFollowingComponentsForYearEndedDecember312023Details": { "parentTag": "us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost", "weight": 1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/NetPensionCostIncludesFollowingComponentsForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Amortization of actuarial loss", "documentation": "Amount of defined benefit plan cost (credit), classified as other." } } }, "auth_ref": [] }, "us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanPlanAssetsBenefitsPaid", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "negatedLabel": "Benefits paid", "label": "Defined Benefit Plan, Plan Assets, Benefits Paid", "documentation": "Amount of payment to participant under defined benefit plan which decreases plan assets. For pension plan, payment includes, but is not limited to, pension benefits and death benefits. For other postretirement plan, payment includes, but is not limited to, prescription drug benefits, health care benefits, life insurance benefits, and legal, educational and advisory services." } } }, "auth_ref": [ "r551", "r1356" ] }, "us-gaap_DefinedBenefitPlanRecognizedNetGainLossDueToCurtailments": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanRecognizedNetGainLossDueToCurtailments", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0, "order": 9.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details", "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "(Loss) gain on defined benefit plan termination", "verboseLabel": "(Loss) gain on defined benefit plan curtailment", "terseLabel": "Loss on defined benefit plan termination", "documentation": "Amount of gain (loss) recognized in net periodic benefit (cost) credit from event reducing expected years of future service of present employees or eliminating accrual of defined benefits for some or all future services of present employees." } } }, "auth_ref": [ "r533", "r575", "r596" ] }, "us-gaap_DefinedBenefitPlanServiceCost": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanServiceCost", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/NetPensionCostIncludesFollowingComponentsForYearEndedDecember312023Details": { "parentTag": "us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details", "http://westfieldbank.com/role/NetPensionCostIncludesFollowingComponentsForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Service cost", "documentation": "Amount of cost for actuarial present value of benefits attributed to service rendered by employee for defined benefit plan." } } }, "auth_ref": [ "r536", "r569", "r590", "r1054", "r1055" ] }, "us-gaap_DefinedBenefitPlanSettlementsPlanAssets": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedBenefitPlanSettlementsPlanAssets", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/FollowingTableProvidesInformationRelatedToDbPlanForYearEndedDecember312023Details" ], "lang": { "en-us": { "role": { "negatedLabel": "Effect of settlement", "label": "Defined Benefit Plan, Plan Assets, Payment for Settlement", "documentation": "Amount of payment, which decreases plan assets of defined benefit plan, for irrevocable action relieving primary responsibility for benefit obligation and eliminating risk for obligation and assets used to effect settlement. Transaction constituting settlement includes, but is not limited to, making lump-sum cash payment to participant in exchange for their rights to receive specified benefits and purchasing nonparticipating annuity contract." } } }, "auth_ref": [ "r554" ] }, "wneb_DefinedContributionPension1Member": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DefinedContributionPension1Member", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative", "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "401 (k) [Member]", "documentation": "401 (k)" } } }, "auth_ref": [] }, "us-gaap_DefinedContributionPlanCostRecognized": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedContributionPlanCostRecognized", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Employer contribution to plan", "documentation": "Amount of cost for defined contribution plan." } } }, "auth_ref": [ "r602" ] }, "us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedContributionPlanEmployerDiscretionaryContributionAmount", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Discretionary profit share contribution", "documentation": "Amount of discretionary contributions made by an employer to a defined contribution plan." } } }, "auth_ref": [] }, "us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedContributionPlanEmployerMatchingContributionPercent", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative", "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Maximum percentage of participant's annual earnings subject to match by employer for 401(K) plan", "documentation": "Percentage of employees' gross pay for which the employer contributes a matching contribution to a defined contribution plan." } } }, "auth_ref": [] }, "us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DefinedContributionPlanEmployerMatchingContributionPercentOfMatch", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative", "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Employer matching contribution for the first 4% of each participant's annual earnings", "verboseLabel": "Employer matching contribution for the first 6% of each participant's annual earnings", "documentation": "Percentage employer matches of the employee's percentage contribution matched." } } }, "auth_ref": [] }, "us-gaap_DepositAssetsAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DepositAssetsAbstract", "lang": { "en-us": { "role": { "label": "Deposit Assets [Abstract]" } } }, "auth_ref": [] }, "us-gaap_DepositLiabilitiesDisclosuresTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DepositLiabilitiesDisclosuresTextBlock", "presentation": [ "http://westfieldbank.com/role/Deposits" ], "lang": { "en-us": { "role": { "label": "DEPOSITS", "documentation": "The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity." } } }, "auth_ref": [ "r19", "r179", "r267", "r268" ] }, "us-gaap_Deposits": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "Deposits", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Liabilities", "weight": 1.0, "order": 1.0 }, "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets", "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "totalLabel": "Total deposits", "label": "Deposits [Default Label]", "documentation": "The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others." } } }, "auth_ref": [ "r179" ] }, "us-gaap_DepositsAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DepositsAbstract", "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Deposits:" } } }, "auth_ref": [] }, "us-gaap_DepositsByTypeAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DepositsByTypeAbstract", "presentation": [ "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Savings:" } } }, "auth_ref": [] }, "us-gaap_DepositsFairValueDisclosure": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DepositsFairValueDisclosure", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Deposits", "label": "Deposits, Fair Value Disclosure", "documentation": "Fair value portion of deposit liabilities held by the entity, including, but not limited to, foreign and domestic, interest and noninterest bearing, demand deposits, saving deposits, negotiable orders of withdrawal (NOW) and time deposits." } } }, "auth_ref": [ "r1405", "r1406", "r1416" ] }, "us-gaap_DepositsMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DepositsMember", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Deposits [Member]", "documentation": "Amounts held on account by the entity representing a liability to the depositor. Deposits may take various forms (for example, demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits) and may be categorized in multiple ways (such as, foreign and domestic, interest and noninterest bearing)." } } }, "auth_ref": [ "r206" ] }, "us-gaap_DepositsMoneyMarketDeposits": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DepositsMoneyMarketDeposits", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails": { "parentTag": "wneb_TotalCoreDeposits", "weight": 1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Money market accounts", "documentation": "Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts." } } }, "auth_ref": [ "r179" ] }, "us-gaap_DepositsSavingsDeposits": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DepositsSavingsDeposits", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails": { "parentTag": "wneb_TotalCoreDeposits", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Regular savings accounts", "documentation": "Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs)." } } }, "auth_ref": [ "r179" ] }, "us-gaap_DepreciationAndAmortization": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DepreciationAndAmortization", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/PremisesAndEquipmentDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Depreciation and amortization expense", "documentation": "The current period expense charged against earnings on long-lived, physical assets not used in production, and which are not intended for resale, to allocate or recognize the cost of such assets over their useful lives; or to record the reduction in book value of an intangible asset over the benefit period of such asset; or to reflect consumption during the period of an asset that is not used in production." } } }, "auth_ref": [ "r14", "r55" ] }, "us-gaap_DepreciationNonproduction": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DepreciationNonproduction", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Depreciation and amortization of premises and equipment", "documentation": "The expense recognized in the current period that allocates the cost of nonproduction tangible assets over their useful lives." } } }, "auth_ref": [ "r14", "r55" ] }, "us-gaap_DerivativeAssetNotionalAmount": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativeAssetNotionalAmount", "presentation": [ "http://westfieldbank.com/role/DerivativesAndHedgingActivitiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Notional amount", "documentation": "Nominal or face amount used to calculate payments on the derivative asset." } } }, "auth_ref": [ "r991", "r994", "r996", "r999", "r1398", "r1399", "r1400" ] }, "us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration": { "xbrltype": "enumerationSetItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration", "presentation": [ "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "label": "Derivative Asset, Statement of Financial Position [Extensible Enumeration]", "documentation": "Indicates line item in statement of financial position that includes derivative asset." } } }, "auth_ref": [ "r702" ] }, "us-gaap_DerivativeAssets": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativeAssets", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails": { "parentTag": "us-gaap_AssetsFairValueDisclosure", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails", "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Interest rate swaps", "verboseLabel": "Derivative asset", "documentation": "Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset." } } }, "auth_ref": [ "r299", "r300", "r736", "r737", "r747", "r762", "r921", "r922", "r923", "r924", "r925", "r926", "r927", "r928", "r929", "r930", "r945", "r946", "r991", "r995", "r997", "r998", "r1000", "r1001", "r1019", "r1070", "r1073", "r1091", "r1407", "r1408", "r1409", "r1457" ] }, "us-gaap_DerivativeContractTypeDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativeContractTypeDomain", "presentation": [ "http://westfieldbank.com/role/TableBelowPresentsEffectOfCompanysDerivativeFinancialInstrumentsOnStatementsOfNetIncomeAsOfDecember3120242023And2022.Details", "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "documentation": "Financial instrument or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset." } } }, "auth_ref": [ "r928", "r930", "r944", "r945", "r946", "r947", "r948", "r949", "r950", "r952", "r953", "r954", "r955", "r968", "r969", "r970", "r971", "r974", "r975", "r976", "r977", "r991", "r992", "r997", "r1000", "r1089", "r1091", "r1410", "r1411", "r1412", "r1413", "r1414", "r1415", "r1417", "r1418" ] }, "us-gaap_DerivativeFairValueOfDerivativeAsset": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativeFairValueOfDerivativeAsset", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "label": "Fair value of derivative assets", "documentation": "Fair value, before effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets elected not to be offset. Excludes assets not subject to a master netting arrangement." } } }, "auth_ref": [ "r30", "r129", "r170", "r171", "r298", "r1019" ] }, "us-gaap_DerivativeFairValueOfDerivativeLiability": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativeFairValueOfDerivativeLiability", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "label": "Fair value of derivative liability", "documentation": "Fair value, before effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities elected not to be offset. Excludes liabilities not subject to a master netting arrangement." } } }, "auth_ref": [ "r30", "r129", "r170", "r171", "r298", "r1019" ] }, "us-gaap_DerivativeInstrumentRiskAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativeInstrumentRiskAxis", "presentation": [ "http://westfieldbank.com/role/TableBelowPresentsEffectOfCompanysDerivativeFinancialInstrumentsOnStatementsOfNetIncomeAsOfDecember3120242023And2022.Details", "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "label": "Derivative Instrument [Axis]", "documentation": "Information by type of derivative contract." } } }, "auth_ref": [ "r84", "r86", "r88", "r172", "r928", "r930", "r944", "r945", "r946", "r947", "r948", "r949", "r950", "r952", "r953", "r954", "r955", "r968", "r969", "r970", "r971", "r974", "r975", "r976", "r977", "r991", "r992", "r997", "r1000", "r1019", "r1089", "r1091", "r1410", "r1411", "r1412", "r1413", "r1414", "r1415", "r1417", "r1418" ] }, "us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract", "lang": { "en-us": { "role": { "label": "Derivative Instruments and Hedging Activities Disclosure [Abstract]" } } }, "auth_ref": [] }, "us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock", "presentation": [ "http://westfieldbank.com/role/DerivativesAndHedgingActivities" ], "lang": { "en-us": { "role": { "label": "DERIVATIVES AND HEDGING ACTIVITIES", "documentation": "The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts." } } }, "auth_ref": [ "r169", "r711", "r723" ] }, "us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativeInstrumentsGainLossByHedgingRelationshipAxis", "presentation": [ "http://westfieldbank.com/role/DerivativesAndHedgingActivitiesDetailsNarrative", "http://westfieldbank.com/role/TableBelowPresentsEffectOfCompanysDerivativeFinancialInstrumentsOnStatementsOfNetIncomeAsOfDecember3120242023And2022.Details", "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "label": "Hedging Relationship [Axis]", "documentation": "Information by type of hedging relationship." } } }, "auth_ref": [ "r26", "r84", "r86" ] }, "us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable", "presentation": [ "http://westfieldbank.com/role/TableBelowPresentsEffectOfCompanysDerivativeFinancialInstrumentsOnStatementsOfNetIncomeAsOfDecember3120242023And2022.Details", "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "label": "Derivative Instruments, Gain (Loss) [Table]", "documentation": "Disclosure of information about the location and amount of derivative instruments and nonderivative instruments designated as hedging instruments reported before netting adjustments, and the amount of gain (loss) on derivative instruments and nonderivative instruments designated and qualified as hedging instruments." } } }, "auth_ref": [ "r26", "r84", "r86", "r88", "r93", "r94", "r704" ] }, "us-gaap_DerivativeInstrumentsGainLossLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativeInstrumentsGainLossLineItems", "presentation": [ "http://westfieldbank.com/role/TableBelowPresentsEffectOfCompanysDerivativeFinancialInstrumentsOnStatementsOfNetIncomeAsOfDecember3120242023And2022.Details", "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "label": "Derivative Instruments, Gain (Loss) [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [ "r704" ] }, "us-gaap_DerivativeLiabilities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativeLiabilities", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails", "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Interest rate swaps", "label": "Derivative liabilities", "documentation": "Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset." } } }, "auth_ref": [ "r299", "r300", "r736", "r737", "r747", "r762", "r921", "r922", "r923", "r924", "r926", "r927", "r928", "r929", "r930", "r952", "r954", "r955", "r992", "r993", "r995", "r997", "r998", "r1000", "r1001", "r1019", "r1407", "r1408", "r1409", "r1457" ] }, "us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration": { "xbrltype": "enumerationSetItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration", "presentation": [ "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "label": "Derivative Liability, Statement of Financial Position [Extensible Enumeration]", "documentation": "Indicates line item in statement of financial position that includes derivative liability." } } }, "auth_ref": [ "r702" ] }, "us-gaap_DerivativeLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativeLineItems", "presentation": [ "http://westfieldbank.com/role/AsOfDecember312023FollowingAmountsWereRecordedOnBalanceSheetRelatedToCumulativeBasisAdjustmentOfFairValueHedgesDetails", "http://westfieldbank.com/role/DerivativesAndHedgingActivitiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Derivative [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [ "r723" ] }, "us-gaap_DerivativeTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativeTable", "presentation": [ "http://westfieldbank.com/role/AsOfDecember312023FollowingAmountsWereRecordedOnBalanceSheetRelatedToCumulativeBasisAdjustmentOfFairValueHedgesDetails", "http://westfieldbank.com/role/DerivativesAndHedgingActivitiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Derivative [Table]", "documentation": "Disclosure of information about derivative instrument or group of derivative instruments, including, but not limited to, type of derivative instrument, risk being hedged, notional amount, hedge designation, related hedged item, inception date, and maturity date." } } }, "auth_ref": [ "r26", "r79", "r80", "r81", "r83", "r85", "r86", "r90", "r92", "r94", "r723" ] }, "us-gaap_DerivativesPolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DerivativesPolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Derivatives", "documentation": "Disclosure of accounting policy for its derivative instruments and hedging activities." } } }, "auth_ref": [ "r26", "r79", "r80", "r83", "r91", "r328", "r348" ] }, "us-gaap_DesignatedAsHedgingInstrumentMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DesignatedAsHedgingInstrumentMember", "presentation": [ "http://westfieldbank.com/role/DerivativesAndHedgingActivitiesDetailsNarrative", "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "label": "Designated as Hedging Instrument [Member]", "documentation": "Derivative instrument designated as hedging instrument under Generally Accepted Accounting Principles (GAAP)." } } }, "auth_ref": [ "r26" ] }, "wneb_DisclosureLeasesAbstract": { "xbrltype": "stringItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DisclosureLeasesAbstract", "lang": { "en-us": { "role": { "label": "Leases", "verboseLabel": "Supplemental Cash Flow Information Related To Leases Was As Follows", "terseLabel": "Supplemental Balance Sheet Information Related To Leases Was As Follows" } } }, "auth_ref": [] }, "us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlan" ], "lang": { "en-us": { "role": { "label": "STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN", "documentation": "The entire disclosure for share-based payment arrangement." } } }, "auth_ref": [ "r607", "r611", "r639", "r640", "r642", "r1063" ] }, "us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract", "lang": { "en-us": { "role": { "label": "Share-Based Payment Arrangement [Abstract]" } } }, "auth_ref": [] }, "us-gaap_DividendIncomeEquitySecuritiesOperating": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DividendIncomeEquitySecuritiesOperating", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestAndDividendIncomeSecurities", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Marketable equity securities", "documentation": "Amount of dividend income on investment in equity security, classified as operating." } } }, "auth_ref": [] }, "us-gaap_DividendsCommonStockCash": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DividendsCommonStockCash", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "negatedLabel": "Cash dividends declared and paid on common stock", "label": "Dividends, Common Stock, Cash", "documentation": "Amount of paid and unpaid common stock dividends declared with the form of settlement in cash." } } }, "auth_ref": [ "r159" ] }, "wneb_DividendsReceivedByParentCompanyFromBankSubsidiaries": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "DividendsReceivedByParentCompanyFromBankSubsidiaries", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_Revenues", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Dividends from subsidiaries", "documentation": "Dividends paid to and received by the parent company from the bank subsidiary." } } }, "auth_ref": [] }, "dei_DocumentAccountingStandard": { "xbrltype": "accountingStandardItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentAccountingStandard", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Accounting Standard", "documentation": "The basis of accounting the registrant has used to prepare the financial statements included in this filing This can either be 'U.S. GAAP', 'International Financial Reporting Standards', or 'Other'." } } }, "auth_ref": [ "r1115" ] }, "dei_DocumentAnnualReport": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentAnnualReport", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Annual Report", "documentation": "Boolean flag that is true only for a form used as an annual report." } } }, "auth_ref": [ "r1113", "r1115", "r1138" ] }, "dei_DocumentFinStmtErrorCorrectionFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentFinStmtErrorCorrectionFlag", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Financial Statement Error Correction [Flag]", "documentation": "Indicates whether any of the financial statement period in the filing include a restatement due to error correction." } } }, "auth_ref": [ "r1113", "r1115", "r1138", "r1178" ] }, "dei_DocumentFiscalPeriodFocus": { "xbrltype": "fiscalPeriodItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentFiscalPeriodFocus", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Fiscal Period Focus", "documentation": "Fiscal period values are FY, Q1, Q2, and Q3. 1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY." } } }, "auth_ref": [] }, "dei_DocumentFiscalYearFocus": { "xbrltype": "gYearItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentFiscalYearFocus", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Fiscal Year Focus", "documentation": "This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006." } } }, "auth_ref": [] }, "dei_DocumentPeriodEndDate": { "xbrltype": "dateItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentPeriodEndDate", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Period End Date", "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD." } } }, "auth_ref": [] }, "dei_DocumentPeriodStartDate": { "xbrltype": "dateItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentPeriodStartDate", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Period Start Date", "documentation": "The start date of the period covered in the document, in YYYY-MM-DD format." } } }, "auth_ref": [] }, "dei_DocumentQuarterlyReport": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentQuarterlyReport", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Quarterly Report", "documentation": "Boolean flag that is true only for a form used as an quarterly report." } } }, "auth_ref": [ "r1114" ] }, "dei_DocumentRegistrationStatement": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentRegistrationStatement", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Registration Statement", "documentation": "Boolean flag that is true only for a form used as a registration statement." } } }, "auth_ref": [ "r1102" ] }, "dei_DocumentShellCompanyEventDate": { "xbrltype": "dateItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentShellCompanyEventDate", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Shell Company Event Date", "documentation": "Date of event requiring a shell company report." } } }, "auth_ref": [ "r1115" ] }, "dei_DocumentShellCompanyReport": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentShellCompanyReport", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Shell Company Report", "documentation": "Boolean flag that is true for a Shell Company Report pursuant to section 13 or 15(d) of the Exchange Act." } } }, "auth_ref": [ "r1115" ] }, "dei_DocumentTransitionReport": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentTransitionReport", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Transition Report", "documentation": "Boolean flag that is true only for a form used as a transition report." } } }, "auth_ref": [ "r1163" ] }, "dei_DocumentType": { "xbrltype": "submissionTypeItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentType", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Type", "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'." } } }, "auth_ref": [] }, "dei_DocumentsIncorporatedByReferenceTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentsIncorporatedByReferenceTextBlock", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Documents Incorporated by Reference [Text Block]", "documentation": "Documents incorporated by reference." } } }, "auth_ref": [ "r1105" ] }, "us-gaap_DomesticCountryMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "DomesticCountryMember", "presentation": [ "http://westfieldbank.com/role/IncomeTaxesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Domestic Tax Jurisdiction [Member]", "documentation": "Designated federal jurisdiction entitled to levy and collect income tax in country of domicile. Includes, but is not limited to, national jurisdiction for non-U.S. jurisdiction." } } }, "auth_ref": [ "r652" ] }, "us-gaap_EarningsPerShareAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EarningsPerShareAbstract", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Earnings per common share:" } } }, "auth_ref": [] }, "us-gaap_EarningsPerShareBasic": { "xbrltype": "perShareItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EarningsPerShareBasic", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails", "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details" ], "lang": { "en-us": { "role": { "label": "Basic earnings per share", "documentation": "The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period." } } }, "auth_ref": [ "r320", "r340", "r341", "r342", "r343", "r344", "r345", "r350", "r352", "r358", "r359", "r360", "r362", "r688", "r697", "r733", "r734", "r855", "r889", "r1022" ] }, "us-gaap_EarningsPerShareDiluted": { "xbrltype": "perShareItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EarningsPerShareDiluted", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails", "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details" ], "lang": { "en-us": { "role": { "label": "Diluted earnings per share", "documentation": "The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period." } } }, "auth_ref": [ "r320", "r340", "r341", "r342", "r343", "r344", "r345", "r352", "r358", "r359", "r360", "r362", "r688", "r697", "r733", "r734", "r855", "r889", "r1022" ] }, "us-gaap_EarningsPerSharePolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EarningsPerSharePolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Earnings per Share", "documentation": "Disclosure of accounting policy for computing basic and diluted earnings or loss per share for each class of common stock and participating security. Addresses all significant policy factors, including any antidilutive items that have been excluded from the computation and takes into account stock dividends, splits and reverse splits that occur after the balance sheet date of the latest reporting period but before the issuance of the financial statements." } } }, "auth_ref": [ "r48", "r49", "r361" ] }, "us-gaap_EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercentAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercentAbstract", "presentation": [ "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails" ], "lang": { "en-us": { "role": { "label": "Increase (decrease) resulting from:" } } }, "auth_ref": [] }, "us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1": { "xbrltype": "durationItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Unrecognized compensation cost remaining term", "documentation": "Weighted-average period over which cost not yet recognized is expected to be recognized for award under share-based payment arrangement, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days." } } }, "auth_ref": [ "r641" ] }, "us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Unrecognized compensation cost for stock awards", "documentation": "Amount of cost to be recognized for nonvested award under share-based payment arrangement. Excludes share and unit options." } } }, "auth_ref": [ "r1383" ] }, "us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Tax benefits", "documentation": "Amount of tax benefit for recognition of expense of award under share-based payment arrangement." } } }, "auth_ref": [ "r638" ] }, "us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EmployeeStockOwnershipPlanESOPCompensationExpense", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Total ESOP compensation expense", "documentation": "The amount of plan compensation cost recognized during the period." } } }, "auth_ref": [ "r75" ] }, "wneb_EmployeeStockOwnershipPlanESOPDebtStructureLoanAmount": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "EmployeeStockOwnershipPlanESOPDebtStructureLoanAmount", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_LiabilitiesAndStockholdersEquity", "weight": 1.0, "order": 1.0 }, "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails", "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "totalLabel": "Total", "label": "ESOP loan payable", "documentation": "Employee stock ownership plan esop debt structure loan amount." } } }, "auth_ref": [] }, "us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EmployeeStockOwnershipPlanESOPDeferredSharesFairValue", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Fair value of unallocated shares", "documentation": "Fair value of unearned shares held by the employee stock ownership plan (ESOP)." } } }, "auth_ref": [ "r77" ] }, "wneb_EmployeeStockOwnershipPlanESOPLoanReceivable": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "EmployeeStockOwnershipPlanESOPLoanReceivable", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_Assets", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "ESOP loan receivable", "documentation": "Loan receivable from Employee Stock Ownership Plan (ESOP)." } } }, "auth_ref": [] }, "us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares", "calculation": { "http://westfieldbank.com/role/SharesHeldByEsopIncludeFollowingAtDecember312024And2023Details": { "parentTag": "us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/SharesHeldByEsopIncludeFollowingAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Allocated", "documentation": "The shares or units in an ESOP trust that have been assigned to individual participant accounts based on a known formula. IRS rules require allocations to be nondiscriminatory generally based on compensation, length of service, or a combination of both. For any particular participant such shares or units may be vested, unvested, or partially vested." } } }, "auth_ref": [ "r76" ] }, "us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares", "calculation": { "http://westfieldbank.com/role/SharesHeldByEsopIncludeFollowingAtDecember312024And2023Details": { "parentTag": "us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquityParenthetical", "http://westfieldbank.com/role/SharesHeldByEsopIncludeFollowingAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Employee Stock Ownership Plan (ESOP), Number of Committed-to-be-Released Shares", "verboseLabel": "Committed to be allocated", "documentation": "The shares that, although not legally released, will be released by a future scheduled and committed debt service payment and will be allocated to employees for service rendered in the current accounting period. The ESOP documents typically define the period of service to which the shares relate. ESOP shares are released to compensate employees directly, to settle employer liabilities for other employee benefits, and to replace dividends on allocated shares that are used for debt service." } } }, "auth_ref": [ "r76" ] }, "us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares", "calculation": { "http://westfieldbank.com/role/SharesHeldByEsopIncludeFollowingAtDecember312024And2023Details": { "parentTag": "us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/SharesHeldByEsopIncludeFollowingAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Unallocated", "documentation": "Shares contributed to the ESOP that have not yet been released, committed to be released, or allocated to participant accounts. Suspense shares generally collateralize ESOP debt." } } }, "auth_ref": [ "r76" ] }, "wneb_EmployeeStockOwnershipPlanESOPPlanMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "EmployeeStockOwnershipPlanESOPPlanMember", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "label": "Unearned Compensation - ESOP [Member]", "documentation": "Represents the information pertaining to employee stock ownership plan ESOP plan." } } }, "auth_ref": [] }, "us-gaap_EmployeeStockOwnershipPlanESOPPolicy": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EmployeeStockOwnershipPlanESOPPolicy", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Employee Stock Ownership Plan", "documentation": "Disclosure of accounting policy for ESOP transactions, including the method of measuring compensation, the classification of dividends on ESOP shares, and the treatment of ESOP shares for EPS computations. If the employer has both old ESOP shares for which it does not adopt new guidance and new ESOP shares for which new guidance is required, these disclosures are required for both blocks of shares." } } }, "auth_ref": [ "r74" ] }, "us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EmployeeStockOwnershipPlanESOPSharesInESOP", "calculation": { "http://westfieldbank.com/role/SharesHeldByEsopIncludeFollowingAtDecember312024And2023Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/SharesHeldByEsopIncludeFollowingAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "totalLabel": "Total", "label": "Employee Stock Ownership Plan (ESOP), Shares in ESOP", "documentation": "Sum of the allocated, committed-to-be-released and suspense shares of the entity held by the plan." } } }, "auth_ref": [ "r76" ] }, "wneb_EmployeeStockOwnershipPlanESOPSharesPurchased": { "xbrltype": "sharesItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "EmployeeStockOwnershipPlanESOPSharesPurchased", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Purchase of common stock by ESOP Trust of IPO", "documentation": "Purchase of common stock by ESOP Trust of IPO." } } }, "auth_ref": [] }, "wneb_EmployeeStockOwnershipPlanEmployeeEligibilityAge": { "xbrltype": "integerItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "EmployeeStockOwnershipPlanEmployeeEligibilityAge", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Employee age required to qualify for ESOP benefit", "documentation": "Employee age required to qualify for ESOP benefit." } } }, "auth_ref": [] }, "wneb_EmployeeStockOwnershipPlanSharesAcquiredInitialPublicOfferingPercentage": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "EmployeeStockOwnershipPlanSharesAcquiredInitialPublicOfferingPercentage", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Purchase of common stock by ESOP Trust of IPO, percent", "documentation": "Purchase of common stock by ESOP Trust of IPO, percent." } } }, "auth_ref": [] }, "dei_EntityAddressAddressLine1": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityAddressAddressLine1", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Address, Address Line One", "documentation": "Address Line 1 such as Attn, Building Name, Street Name" } } }, "auth_ref": [] }, "dei_EntityAddressAddressLine2": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityAddressAddressLine2", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Address, Address Line Two", "documentation": "Address Line 2 such as Street or Suite number" } } }, "auth_ref": [] }, "dei_EntityAddressAddressLine3": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityAddressAddressLine3", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Address, Address Line Three", "documentation": "Address Line 3 such as an Office Park" } } }, "auth_ref": [] }, "dei_EntityAddressCityOrTown": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityAddressCityOrTown", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Address, City or Town", "documentation": "Name of the City or Town" } } }, "auth_ref": [] }, "dei_EntityAddressCountry": { "xbrltype": "countryCodeItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityAddressCountry", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Address, Country", "documentation": "ISO 3166-1 alpha-2 country code." } } }, "auth_ref": [] }, "dei_EntityAddressPostalZipCode": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityAddressPostalZipCode", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Address, Postal Zip Code", "documentation": "Code for the postal or zip code" } } }, "auth_ref": [] }, "dei_EntityAddressStateOrProvince": { "xbrltype": "stateOrProvinceItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityAddressStateOrProvince", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Address, State or Province", "documentation": "Name of the state or province." } } }, "auth_ref": [] }, "dei_EntityBankruptcyProceedingsReportingCurrent": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityBankruptcyProceedingsReportingCurrent", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Bankruptcy Proceedings, Reporting Current", "documentation": "For registrants involved in bankruptcy proceedings during the preceding five years, the value Yes indicates that the registrant has filed all documents and reports required to be filed by Section 12, 13 or 15(d) of the Securities Exchange Act of 1934 subsequent to the distribution of securities under a plan confirmed by a court; the value No indicates the registrant has not. Registrants not involved in bankruptcy proceedings during the preceding five years should not report this element." } } }, "auth_ref": [ "r1108" ] }, "dei_EntityCentralIndexKey": { "xbrltype": "centralIndexKeyItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityCentralIndexKey", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Central Index Key", "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK." } } }, "auth_ref": [ "r1104" ] }, "dei_EntityCommonStockSharesOutstanding": { "xbrltype": "sharesItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityCommonStockSharesOutstanding", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Common Stock, Shares Outstanding", "documentation": "Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument." } } }, "auth_ref": [] }, "dei_EntityCurrentReportingStatus": { "xbrltype": "yesNoItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityCurrentReportingStatus", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Current Reporting Status", "documentation": "Indicate 'Yes' or 'No' whether registrants (1) have 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 registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure." } } }, "auth_ref": [] }, "dei_EntityDomain": { "xbrltype": "domainItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityDomain", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "All the names of the entities being reported upon in a document. Any legal structure used to conduct activities or to hold assets. Some examples of such structures are corporations, partnerships, limited liability companies, grantor trusts, and other trusts. This item does not include business and geographical segments which are included in the geographical or business segments domains." } } }, "auth_ref": [] }, "dei_EntityEmergingGrowthCompany": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityEmergingGrowthCompany", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Emerging Growth Company", "documentation": "Indicate if registrant meets the emerging growth company criteria." } } }, "auth_ref": [ "r1104" ] }, "dei_EntityExTransitionPeriod": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityExTransitionPeriod", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Elected Not To Use the Extended Transition Period", "documentation": "Indicate if an emerging growth company has elected not to use the extended transition period for complying with any new or revised financial accounting standards." } } }, "auth_ref": [ "r1216" ] }, "dei_EntityFileNumber": { "xbrltype": "fileNumberItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityFileNumber", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity File Number", "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen." } } }, "auth_ref": [] }, "dei_EntityFilerCategory": { "xbrltype": "filerCategoryItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityFilerCategory", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Filer Category", "documentation": "Indicate whether the registrant is one of the following: Large Accelerated Filer, Accelerated Filer, Non-accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure." } } }, "auth_ref": [ "r1104" ] }, "dei_EntityIncorporationStateCountryCode": { "xbrltype": "edgarStateCountryItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityIncorporationStateCountryCode", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Incorporation, State or Country Code", "documentation": "Two-character EDGAR code representing the state or country of incorporation." } } }, "auth_ref": [] }, "dei_EntityInteractiveDataCurrent": { "xbrltype": "yesNoItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityInteractiveDataCurrent", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Interactive Data Current", "documentation": "Boolean flag that is true when the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files)." } } }, "auth_ref": [ "r1213" ] }, "dei_EntityPrimarySicNumber": { "xbrltype": "sicNumberItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityPrimarySicNumber", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Primary SIC Number", "documentation": "Primary Standard Industrial Classification (SIC) Number for the Entity." } } }, "auth_ref": [ "r1138" ] }, "dei_EntityPublicFloat": { "xbrltype": "monetaryItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityPublicFloat", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Public Float", "documentation": "The aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter." } } }, "auth_ref": [] }, "dei_EntityRegistrantName": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityRegistrantName", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Registrant Name", "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC." } } }, "auth_ref": [ "r1104" ] }, "dei_EntityShellCompany": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityShellCompany", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Shell Company", "documentation": "Boolean flag that is true when the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act." } } }, "auth_ref": [ "r1104" ] }, "dei_EntitySmallBusiness": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntitySmallBusiness", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Small Business", "documentation": "Indicates that the company is a Smaller Reporting Company (SRC)." } } }, "auth_ref": [ "r1104" ] }, "dei_EntityTaxIdentificationNumber": { "xbrltype": "employerIdItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityTaxIdentificationNumber", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Tax Identification Number", "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS." } } }, "auth_ref": [ "r1104" ] }, "dei_EntityVoluntaryFilers": { "xbrltype": "yesNoItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityVoluntaryFilers", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Voluntary Filers", "documentation": "Indicate 'Yes' or 'No' if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act." } } }, "auth_ref": [] }, "dei_EntityWellKnownSeasonedIssuer": { "xbrltype": "yesNoItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityWellKnownSeasonedIssuer", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Well-known Seasoned Issuer", "documentation": "Indicate 'Yes' or 'No' if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A." } } }, "auth_ref": [ "r1214" ] }, "wneb_EquipmentAndFurnitureMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "EquipmentAndFurnitureMember", "presentation": [ "http://westfieldbank.com/role/EstimatedUsefulLivesOfAssetsAreAsFollowsDetails", "http://westfieldbank.com/role/PremisesAndEquipmentAreSummarizedAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Furniture and Equipment [Member]", "documentation": "Furniture and Equipment" } } }, "auth_ref": [] }, "us-gaap_EquipmentExpense": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EquipmentExpense", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestExpense", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Furniture and equipment", "documentation": "This element represents equipment expense including depreciation, repairs, rentals, and service contract costs. This item also includes equipment purchases which do not qualify for capitalization in accordance with the entity's accounting policy. This item may also include furniture expenses." } } }, "auth_ref": [] }, "us-gaap_EquityAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EquityAbstract", "auth_ref": [] }, "us-gaap_EquityComponentDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EquityComponentDomain", "presentation": [ "http://westfieldbank.com/role/ComponentsOfAccumulatedOtherComprehensiveLossIncludedInShareholdersEquityAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "documentation": "Components of equity are the parts of the total Equity balance including that which is allocated to common, preferred, treasury stock, retained earnings, etc." } } }, "auth_ref": [ "r25", "r284", "r314", "r315", "r316", "r332", "r333", "r334", "r337", "r344", "r346", "r348", "r365", "r442", "r448", "r489", "r530", "r671", "r672", "r684", "r685", "r686", "r689", "r696", "r697", "r715", "r717", "r718", "r719", "r720", "r722", "r732", "r764", "r766", "r767", "r768", "r769", "r770", "r775", "r778", "r796", "r885", "r899", "r900", "r901", "r919", "r980" ] }, "wneb_EquityInUndistributedNetIncomeOfSubsidiaries": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "EquityInUndistributedNetIncomeOfSubsidiaries", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Equity in undistributed income of subsidiaries", "negatedLabel": "Equity in undistributed income of subsidiaries", "documentation": "Equity in undistributed income of subsidiaries for the parent during the period." } } }, "auth_ref": [] }, "us-gaap_EquityRestrictions": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EquityRestrictions", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/RegulatoryCapitalDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Restricted equity in net assets", "documentation": "Disclosure of the amount of equity that is restricted to use by regulation or agreement." } } }, "auth_ref": [] }, "us-gaap_EquitySecuritiesFvNi": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EquitySecuritiesFvNi", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails": { "parentTag": "us-gaap_AssetsFairValueDisclosure", "weight": 1.0, "order": 2.0 }, "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Investments", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails", "http://westfieldbank.com/role/ConsolidatedBalanceSheets", "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails", "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Marketable equity securities, at fair value", "verboseLabel": "Marketable equity securities", "documentation": "Amount of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI), classified as current." } } }, "auth_ref": [ "r295", "r760", "r1018" ] }, "us-gaap_EquitySecuritiesFvNiGainLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EquitySecuritiesFvNiGainLoss", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FollowingTablePresentsUnrealizedGainsLossesRecognizedOnMarketableEquitySecuritiesForYearsIndicatedDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablePresentsUnrealizedGainsLossesRecognizedOnMarketableEquitySecuritiesForYearsIndicatedDetails" ], "lang": { "en-us": { "role": { "totalLabel": "Unrealized gain (loss) recognized during the year on marketable equity securities still held at year end", "label": "Equity Securities, FV-NI, Gain (Loss)", "documentation": "Amount of unrealized and realized gain (loss) on investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI)." } } }, "auth_ref": [ "r892", "r1306" ] }, "us-gaap_EquitySecuritiesFvNiRealizedGainLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EquitySecuritiesFvNiRealizedGainLoss", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FollowingTablePresentsUnrealizedGainsLossesRecognizedOnMarketableEquitySecuritiesForYearsIndicatedDetails": { "parentTag": "us-gaap_EquitySecuritiesFvNiGainLoss", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablePresentsUnrealizedGainsLossesRecognizedOnMarketableEquitySecuritiesForYearsIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Net losses recognized during the year on equity securities sold during the year", "documentation": "Amount of realized gain (loss) from sale of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI)." } } }, "auth_ref": [ "r890", "r1306" ] }, "us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "EquitySecuritiesFvNiUnrealizedGainLoss", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FollowingTablePresentsUnrealizedGainsLossesRecognizedOnMarketableEquitySecuritiesForYearsIndicatedDetails": { "parentTag": "us-gaap_EquitySecuritiesFvNiGainLoss", "weight": 1.0, "order": 1.0 }, "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0, "order": 7.0 }, "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": -1.0, "order": 14.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows", "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/FollowingTablePresentsUnrealizedGainsLossesRecognizedOnMarketableEquitySecuritiesForYearsIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details" ], "lang": { "en-us": { "role": { "label": "Net unrealized gain (loss) on marketable equity securities", "negatedLabel": "Net change in unrealized (gain) loss on marketable equity securities", "verboseLabel": "Net gains (losses) recognized during the year on marketable equity securities", "terseLabel": "Unrealized loss on marketable equity securities, net", "documentation": "Amount of unrealized gain (loss) on investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI)." } } }, "auth_ref": [ "r891", "r1306" ] }, "ecd_EquityValuationAssumptionDifferenceFnTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "EquityValuationAssumptionDifferenceFnTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Equity Valuation Assumption Difference, Footnote" } } }, "auth_ref": [ "r1171" ] }, "ecd_ErrCompAnalysisTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "ErrCompAnalysisTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" ], "lang": { "en-us": { "role": { "label": "Erroneous Compensation Analysis" } } }, "auth_ref": [ "r1131", "r1142", "r1156", "r1182" ] }, "ecd_ErrCompRecoveryTable": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "ErrCompRecoveryTable", "presentation": [ "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" ], "lang": { "en-us": { "role": { "label": "Erroneously Awarded Compensation Recovery [Table]" } } }, "auth_ref": [ "r1128", "r1139", "r1153", "r1179" ] }, "ecd_ExecutiveCategoryAxis": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "ExecutiveCategoryAxis", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Executive Category [Axis]" } } }, "auth_ref": [ "r1177" ] }, "wneb_ExistingConstructionLoanAgreementsMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ExistingConstructionLoanAgreementsMember", "presentation": [ "http://westfieldbank.com/role/FollowingSummarizesTheseFinancialInstrumentsAndOtherCommitmentsAndContingentLiabilitiesAtTheirContractAmountsDetails" ], "lang": { "en-us": { "role": { "label": "Existing construction loan agreements [Member]", "documentation": "Existing construction loan agreements" } } }, "auth_ref": [] }, "dei_Extension": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "Extension", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Extension", "documentation": "Extension number for local phone number." } } }, "auth_ref": [] }, "us-gaap_ExternalCreditRatingByGroupingAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ExternalCreditRatingByGroupingAxis", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "External Credit Rating by Grouping [Axis]", "documentation": "Information by external rating classified as investment grade or non investment grade." } } }, "auth_ref": [ "r222", "r223", "r224", "r710", "r1315" ] }, "us-gaap_ExternalCreditRatingByGroupingDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ExternalCreditRatingByGroupingDomain", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "External credit rating classified as investment grade or non-investment grade." } } }, "auth_ref": [ "r89" ] }, "us-gaap_ExternalCreditRatingNonInvestmentGradeMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ExternalCreditRatingNonInvestmentGradeMember", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "External Credit Rating, Noninvestment Grade [Member]", "documentation": "External credit rating used to describe current status of payment and performance risk of credit derivative and guarantee obligation that connote noninvestment grade." } } }, "auth_ref": [ "r89" ] }, "us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems", "presentation": [ "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails", "http://westfieldbank.com/role/FollowingTableSummarizesFairValueHierarchyUsedToDetermineCarryingValuesOfRelatedAssetsAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [ "r736", "r737", "r747", "r1070" ] }, "us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable", "presentation": [ "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails", "http://westfieldbank.com/role/FollowingTableSummarizesFairValueHierarchyUsedToDetermineCarryingValuesOfRelatedAssetsAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Fair Value, Recurring and Nonrecurring [Table]", "documentation": "Disclosure of information about asset and liability measured at fair value on recurring and nonrecurring basis." } } }, "auth_ref": [ "r736", "r737", "r747", "r1070" ] }, "us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueAssetsMeasuredOnNonrecurringBasisTextBlock", "presentation": [ "http://westfieldbank.com/role/FairValueOfAssetsAndLiablitiesTables" ], "lang": { "en-us": { "role": { "label": "The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2024 and 2023.", "documentation": "Tabular disclosure of assets and liabilities by class, including financial instruments measured at fair value that are classified in shareholders' equity, if any, that are measured at fair value on a nonrecurring basis in periods after initial recognition (for example, impaired assets). Disclosures may include, but are not limited to: (a) the fair value measurements recorded and the reasons for the measurements and (b) the level within the fair value hierarchy in which the fair value measurements are categorized in their entirety (levels 1, 2, 3)." } } }, "auth_ref": [ "r1405", "r1406" ] }, "us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [] }, "us-gaap_FairValueByBalanceSheetGroupingTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueByBalanceSheetGroupingTable", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Fair Value, by Balance Sheet Grouping [Table]", "documentation": "Disclosure of information about the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities." } } }, "auth_ref": [ "r96", "r97" ] }, "us-gaap_FairValueByBalanceSheetGroupingTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueByBalanceSheetGroupingTextBlock", "presentation": [ "http://westfieldbank.com/role/FairValueOfAssetsAndLiablitiesTables" ], "lang": { "en-us": { "role": { "label": "The estimated fair values of our financial instruments are as follows:", "documentation": "Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities." } } }, "auth_ref": [ "r96" ] }, "us-gaap_FairValueByFairValueHierarchyLevelAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueByFairValueHierarchyLevelAxis", "presentation": [ "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails", "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails", "http://westfieldbank.com/role/FollowingTableSummarizesFairValueHierarchyUsedToDetermineCarryingValuesOfRelatedAssetsAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Fair Value Hierarchy and NAV [Axis]", "documentation": "Information by level within fair value hierarchy and fair value measured at net asset value per share as practical expedient." } } }, "auth_ref": [ "r517", "r559", "r560", "r561", "r562", "r563", "r564", "r735", "r737", "r738", "r739", "r740", "r746", "r747", "r749", "r806", "r807", "r808", "r1047", "r1048", "r1052", "r1053", "r1054", "r1070", "r1073" ] }, "us-gaap_FairValueByMeasurementBasisAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueByMeasurementBasisAxis", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Measurement Basis [Axis]", "documentation": "Information by measurement basis." } } }, "auth_ref": [ "r517", "r1047", "r1048" ] }, "us-gaap_FairValueByMeasurementFrequencyAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueByMeasurementFrequencyAxis", "presentation": [ "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails", "http://westfieldbank.com/role/FollowingTableSummarizesFairValueHierarchyUsedToDetermineCarryingValuesOfRelatedAssetsAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Measurement Frequency [Axis]", "documentation": "Information by measurement frequency." } } }, "auth_ref": [ "r736", "r737", "r738", "r740", "r1070", "r1408", "r1419" ] }, "us-gaap_FairValueDisclosuresAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueDisclosuresAbstract", "lang": { "en-us": { "role": { "label": "Fair Value Disclosures [Abstract]" } } }, "auth_ref": [] }, "us-gaap_FairValueDisclosuresTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueDisclosuresTextBlock", "presentation": [ "http://westfieldbank.com/role/FairValueOfAssetsAndLiablities" ], "lang": { "en-us": { "role": { "label": "FAIR VALUE OF ASSETS AND LIABLITIES", "documentation": "The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information." } } }, "auth_ref": [ "r742", "r744", "r745", "r746", "r749", "r750", "r751", "r752", "r753", "r848", "r1070", "r1074" ] }, "us-gaap_FairValueHedgingMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueHedgingMember", "presentation": [ "http://westfieldbank.com/role/DerivativesAndHedgingActivitiesDetailsNarrative", "http://westfieldbank.com/role/TableBelowPresentsEffectOfCompanysDerivativeFinancialInstrumentsOnStatementsOfNetIncomeAsOfDecember3120242023And2022.Details", "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "label": "Fair Value Hedging [Member]", "documentation": "A hedge of the exposure to changes in the fair value of a recognized asset or liability, or of an unrecognized firm commitment, that are attributable to a particular risk." } } }, "auth_ref": [ "r82" ] }, "us-gaap_FairValueInputsLevel1Member": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueInputsLevel1Member", "presentation": [ "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails", "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Fair Value, Inputs, Level 1 [Member]", "documentation": "Quoted prices in active markets for identical assets or liabilities that the reporting entity can access at the measurement date." } } }, "auth_ref": [ "r517", "r559", "r564", "r737", "r747", "r806", "r1052", "r1053", "r1054", "r1070" ] }, "us-gaap_FairValueInputsLevel2Member": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueInputsLevel2Member", "presentation": [ "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails", "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Fair Value, Inputs, Level 2 [Member]", "documentation": "Inputs other than quoted prices included within level 1 that are observable for an asset or liability, either directly or indirectly, including, but not limited to, quoted prices for similar assets or liabilities in active markets, or quoted prices for identical or similar assets or liabilities in inactive markets." } } }, "auth_ref": [ "r517", "r559", "r564", "r737", "r738", "r747", "r807", "r1047", "r1048", "r1052", "r1053", "r1054", "r1070" ] }, "us-gaap_FairValueInputsLevel3Member": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueInputsLevel3Member", "presentation": [ "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails", "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails", "http://westfieldbank.com/role/FollowingTableSummarizesFairValueHierarchyUsedToDetermineCarryingValuesOfRelatedAssetsAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Fair Value, Inputs, Level 3 [Member]", "documentation": "Unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing." } } }, "auth_ref": [ "r517", "r559", "r560", "r561", "r562", "r563", "r564", "r737", "r738", "r739", "r740", "r747", "r808", "r1047", "r1048", "r1052", "r1053", "r1054", "r1070", "r1073" ] }, "us-gaap_FairValueMeasurementFrequencyDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueMeasurementFrequencyDomain", "presentation": [ "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails", "http://westfieldbank.com/role/FollowingTableSummarizesFairValueHierarchyUsedToDetermineCarryingValuesOfRelatedAssetsAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "documentation": "Measurement frequency." } } }, "auth_ref": [ "r736", "r737", "r738", "r740", "r1070", "r1408", "r1419" ] }, "us-gaap_FairValueMeasurementPolicyPolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueMeasurementPolicyPolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Fair Value Hierarchy", "documentation": "Disclosure of accounting policy for fair value measurements of financial and non-financial assets, liabilities and instruments classified in shareholders' equity. Disclosures include, but are not limited to, how an entity that manages a group of financial assets and liabilities on the basis of its net exposure measures the fair value of those assets and liabilities." } } }, "auth_ref": [] }, "us-gaap_FairValueMeasurementsFairValueHierarchyDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueMeasurementsFairValueHierarchyDomain", "presentation": [ "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails", "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails", "http://westfieldbank.com/role/FollowingTableSummarizesFairValueHierarchyUsedToDetermineCarryingValuesOfRelatedAssetsAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "documentation": "Categories used to prioritize the inputs to valuation techniques to measure fair value." } } }, "auth_ref": [ "r517", "r559", "r560", "r561", "r562", "r563", "r564", "r735", "r737", "r738", "r739", "r740", "r746", "r747", "r749", "r806", "r807", "r808", "r1047", "r1048", "r1052", "r1053", "r1054", "r1070", "r1073" ] }, "us-gaap_FairValueMeasurementsNonrecurringMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueMeasurementsNonrecurringMember", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesFairValueHierarchyUsedToDetermineCarryingValuesOfRelatedAssetsAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Fair Value, Nonrecurring [Member]", "documentation": "Infrequent fair value measurement. Includes, but is not limited to, fair value adjustment for impairment of asset, liability or equity, not frequently measured at fair value." } } }, "auth_ref": [ "r736", "r737", "r738", "r740", "r1070", "r1408" ] }, "us-gaap_FairValueMeasurementsRecurringMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueMeasurementsRecurringMember", "presentation": [ "http://westfieldbank.com/role/AssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisAreSummarizedBelowDetails" ], "lang": { "en-us": { "role": { "label": "Fair Value, Recurring [Member]", "documentation": "Frequent fair value measurement. Includes, but is not limited to, fair value adjustment for impairment of asset, liability or equity, frequently measured at fair value." } } }, "auth_ref": [ "r1070", "r1405", "r1406", "r1407", "r1408", "r1409", "r1419" ] }, "us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock", "presentation": [ "http://westfieldbank.com/role/DerivativesAndHedgingActivitiesTables" ], "lang": { "en-us": { "role": { "label": "The tables below present 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 December 31, 2024 and December 31, 2023.", "documentation": "Tabular disclosure of financial instrument classified as a derivative asset (liability) after deduction of derivative liability (asset) using recurring unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing." } } }, "auth_ref": [ "r741", "r743", "r748" ] }, "wneb_FairValueOfMortgageServicingRights": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "FairValueOfMortgageServicingRights", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Mortgage servicing rights", "documentation": "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." } } }, "auth_ref": [] }, "us-gaap_FairValueOptionChangesInFairValueGainLoss1": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FairValueOptionChangesInFairValueGainLoss1", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesFairValueHierarchyUsedToDetermineCarryingValuesOfRelatedAssetsAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "negatedLabel": "Total losses", "label": "Fair Value, Option, Changes in Fair Value, Gain (Loss)", "documentation": "For each line item in the statement of financial position, the amounts of gains and losses from fair value changes included in earnings." } } }, "auth_ref": [ "r98" ] }, "us-gaap_FederalDepositInsuranceCorporationPremiumExpense": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FederalDepositInsuranceCorporationPremiumExpense", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestExpense", "weight": 1.0, "order": 8.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "FDIC insurance assessment", "documentation": "Amount of expense for Federal Deposit Insurance Corporation (FDIC) insurance." } } }, "auth_ref": [ "r196" ] }, "us-gaap_FederalFundsSold": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FederalFundsSold", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_CashCashEquivalentsAndFederalFundsSold", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Federal funds sold", "documentation": "The amount outstanding of funds lent to other depository institutions, securities brokers, or securities dealers in the form of Federal Funds sold; for example, immediately available funds lent under agreements or contracts that mature in one business day or roll over under a continuing contract, regardless of the nature of the transaction or the collateral involved, excluding overnight lending for commercial and industrial purposes. Also include Federal Funds sold under agreements to resell on a gross basis, excluding (1) sales of term Federal Funds, (2) due bills representing purchases of securities or other assets by the reporting bank that have not yet been delivered and similar instruments, (3) resale agreements that mature in more than one business day involving assets other than securities, and (4) yield maintenance dollar repurchase agreements." } } }, "auth_ref": [ "r188" ] }, "wneb_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRate": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRate", "presentation": [ "http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details" ], "lang": { "en-us": { "role": { "verboseLabel": "Weighted average rate", "documentation": "Federal Home Loan Bank advances maturities summary average interest rate.", "label": "Federal Home Loan Bank advances maturities summary average interest rate" } } }, "auth_ref": [] }, "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate", "presentation": [ "http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details" ], "lang": { "en-us": { "role": { "label": "Weighted Average Rate, 2024", "documentation": "Weighted average interest rate of advance from Federal Home Loan Bank (FHLBank) due in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r180" ] }, "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate", "presentation": [ "http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details" ], "lang": { "en-us": { "role": { "label": "Weighted Average Rate, 2025", "documentation": "Weighted average interest rate of advance from Federal Home Loan Bank (FHLBank) due in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r180" ] }, "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate", "presentation": [ "http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details" ], "lang": { "en-us": { "role": { "label": "Weighted Average Rate, 2027", "documentation": "Weighted average interest rate of advance from Federal Home Loan Bank (FHLBank) due in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r182" ] }, "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate", "presentation": [ "http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details" ], "lang": { "en-us": { "role": { "label": "Weighted Average Rate, 2026", "documentation": "Weighted average interest rate of advance from Federal Home Loan Bank (FHLBank) due in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r180" ] }, "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeFixedRate": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeFixedRate", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details" ], "lang": { "en-us": { "role": { "totalLabel": "Total long-term advances", "label": "Federal Home Loan Bank, Advances, Maturities Summary, Fixed Rate", "documentation": "Amount of Federal Home Loan Bank (FHLB) advances which have fixed interest." } } }, "auth_ref": [ "r16", "r103", "r209" ] }, "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details": { "parentTag": "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeFixedRate", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details" ], "lang": { "en-us": { "role": { "verboseLabel": "2025", "label": "Federal Home Loan Bank, Advance, Maturity, Year Two", "documentation": "Amount of advance from Federal Home Loan Bank (FHLBank) maturing in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r16", "r209" ] }, "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details": { "parentTag": "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeFixedRate", "weight": 1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details" ], "lang": { "en-us": { "role": { "verboseLabel": "2027", "label": "Federal Home Loan Bank, Advance, Maturity, Year Four", "documentation": "Amount of advance from Federal Home Loan Bank (FHLBank) maturing in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r16", "r209" ] }, "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details": { "parentTag": "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeFixedRate", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details" ], "lang": { "en-us": { "role": { "verboseLabel": "2026", "label": "Federal Home Loan Bank, Advance, Maturity, Year Three", "documentation": "Amount of advance from Federal Home Loan Bank (FHLBank) maturing in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r16", "r209" ] }, "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details": { "parentTag": "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeFixedRate", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingAdvancesAreCollateralizedByBlanketLienOnOurResidentialRealEstateLoansAndCertainEligibleCommercialRealEstateLoans.Details" ], "lang": { "en-us": { "role": { "verboseLabel": "2024", "label": "Federal Home Loan Bank, Advance, Maturity, Year One", "documentation": "Amount of advance from Federal Home Loan Bank (FHLBank) maturing in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r16", "r209" ] }, "us-gaap_FederalHomeLoanBankAdvancesMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FederalHomeLoanBankAdvancesMember", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative", "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Federal Home Loan Bank Advances [Member]", "documentation": "Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans." } } }, "auth_ref": [ "r180" ] }, "us-gaap_FederalHomeLoanBankBorrowingsMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FederalHomeLoanBankBorrowingsMember", "presentation": [ "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Federal Home Loan Bank Borrowings [Member]", "documentation": "This item represents the amount that a bank with insufficient reserves borrows, from the Federal Home Loan Bank [system], to meet its reserve requirements." } } }, "auth_ref": [] }, "wneb_FederalHomeLoanBankStandbyLettersOfCreditMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "FederalHomeLoanBankStandbyLettersOfCreditMember", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "FHLB Standby Letters of Credit [Member]", "documentation": "FHLB Standby Letters of Credit." } } }, "auth_ref": [] }, "wneb_FederalHomeLoanBankStockPolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "FederalHomeLoanBankStockPolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Federal Home Loan Bank of Boston Stock", "documentation": "Disclosure of accounting policy for Federal Home Loan Bank Stock." } } }, "auth_ref": [] }, "us-gaap_FederalReserveBankAdvancesMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FederalReserveBankAdvancesMember", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Federal Reserve Bank Advances [Member]", "documentation": "Borrowings from the Federal Reserve Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages." } } }, "auth_ref": [ "r180" ] }, "wneb_FederalReserveBankDiscountWindowMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "FederalReserveBankDiscountWindowMember", "presentation": [ "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "FRB Discount Window [Member]", "documentation": "FRB Discount Window" } } }, "auth_ref": [] }, "us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinanceLoanAndLeaseReceivablesHeldForSalePolicy", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Loans Held for Sale", "documentation": "Disclosure of accounting policy for financing receivables classified as held-for-sale." } } }, "auth_ref": [ "r216", "r225", "r1272", "r1273", "r1275" ] }, "us-gaap_FinanceLoansAndLeasesReceivablePolicy": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinanceLoansAndLeasesReceivablePolicy", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Loans Receivable", "documentation": "Disclosure of accounting policy for financing receivable." } } }, "auth_ref": [ "r216", "r219", "r220", "r225", "r229", "r399", "r1272", "r1273", "r1274", "r1275", "r1279", "r1280" ] }, "us-gaap_FinancialAssetNotPastDueMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancialAssetNotPastDueMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Financial Asset, Not Past Due [Member]", "documentation": "Financial asset not past due." } } }, "auth_ref": [ "r456", "r1042" ] }, "us-gaap_FinancialAssetPastDueMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancialAssetPastDueMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Financial Asset, Past Due [Member]", "documentation": "Financial asset past due." } } }, "auth_ref": [ "r228", "r456", "r1042" ] }, "us-gaap_FinancialInstrumentAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancialInstrumentAxis", "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details", "http://westfieldbank.com/role/AsOfDecember312023FollowingAmountsWereRecordedOnBalanceSheetRelatedToCumulativeBasisAdjustmentOfFairValueHedgesDetails", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details", "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative", "http://westfieldbank.com/role/Long-termDebtDetailsNarrative", "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Financial Instrument [Axis]", "documentation": "Information by type of financial instrument." } } }, "auth_ref": [ "r403", "r404", "r405", "r406", "r407", "r408", "r409", "r411", "r412", "r413", "r414", "r415", "r416", "r417", "r418", "r419", "r420", "r421", "r422", "r423", "r424", "r425", "r426", "r427", "r428", "r429", "r430", "r431", "r432", "r433", "r451", "r452", "r456", "r457", "r463", "r470", "r474", "r475", "r525", "r529", "r723", "r754", "r803", "r804", "r805", "r806", "r807", "r808", "r809", "r810", "r811", "r813", "r814", "r815", "r816", "r817", "r820", "r826", "r827", "r828", "r829", "r830", "r831", "r832", "r833", "r834", "r835", "r836", "r837", "r838", "r839", "r840", "r886", "r1043", "r1070", "r1072", "r1073", "r1074", "r1075", "r1076", "r1077", "r1078", "r1079", "r1084", "r1222", "r1223", "r1224", "r1225", "r1226", "r1227", "r1228", "r1302", "r1303", "r1304", "r1305", "r1404", "r1407", "r1408", "r1409", "r1416", "r1419" ] }, "us-gaap_FinancialInstrumentPerformanceStatusAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancialInstrumentPerformanceStatusAxis", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Financial Instrument Performance Status [Axis]", "documentation": "Information by category of performance or non-performance status of financial instruments." } } }, "auth_ref": [ "r1315" ] }, "us-gaap_FinancialInstrumentPerformanceStatusDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancialInstrumentPerformanceStatusDomain", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "documentation": "Category of performance or non-performance status of financial instruments, including but not limited to, financing receivables, loans, debt, and investments." } } }, "auth_ref": [] }, "us-gaap_FinancialInstrumentsOwnedAtFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancialInstrumentsOwnedAtFairValue", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Pledged collateral", "documentation": "The aggregate fair value as of the balance sheet date of financial instruments and other positions owned by the entity including: (1) mortgages, mortgage-backed and asset backed securities; (2) US government and agency obligations; (3) state and municipal government obligations; (4) other sovereign government debt; (5) corporate obligations; (6) corporate equities; (7) principal investments; (8) derivative contracts; and (9) physical commodities. Includes both pledged and unpledged holdings." } } }, "auth_ref": [ "r1443" ] }, "us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Accrued interest receivable on loans held for investment", "documentation": "Amount, after allowance for credit loss, of accrued interest on financing receivable." } } }, "auth_ref": [ "r450", "r461" ] }, "us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList": { "xbrltype": "enumerationSetItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]", "documentation": "Indicates line item in statement of financial position that includes accrued interest, after allowance for credit loss, on financing receivable." } } }, "auth_ref": [ "r461" ] }, "us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss", "weight": -1.0, "order": 2.0 }, "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails": { "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss", "weight": -1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedBalanceSheets", "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Less: Allowance for credit losses", "periodStartLabel": "Beginning balance, allowance for credit losses", "periodEndLabel": "Ending balance, allowance for credit losses", "label": "Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest", "documentation": "Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease." } } }, "auth_ref": [ "r1312" ] }, "us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Loans with an allowance recorded, related allowance", "documentation": "Amount of allowance for credit loss on financing receivable evaluated on individual basis. Excludes financing receivable evaluated on collective basis." } } }, "auth_ref": [ "r218", "r1034", "r1311" ] }, "us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableAllowanceForCreditLossesLineItems", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Allowance for Credit Loss [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [ "r266", "r1313" ] }, "srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesInformationAboutTotalLoansRatedSpecialMentionSubstandardDoubtfulOrLossForPeriodsNoted.Details" ], "lang": { "en-us": { "role": { "label": "Total criticized loans as a percentage of total loans", "documentation": "Percentage, before allowance for credit loss, of financing receivable to total financing receivable." } } }, "auth_ref": [ "r266" ] }, "us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableCreditQualityIndicatorsTableTextBlock", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesTables" ], "lang": { "en-us": { "role": { "label": "The following tables summarize the amortized cost basis by aggregate Pass and criticized categories of Special Mention and Substandard within the Company\u2019s internal risk rating system by year of origination as of December 31, 2024 and 2023.", "documentation": "Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics." } } }, "auth_ref": [ "r221", "r1315" ] }, "us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Assets", "weight": 1.0, "order": 4.0 }, "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets", "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "totalLabel": "Net loans", "label": "Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss", "documentation": "Amortized cost excluding accrued interest, after allowance for credit loss, of financing receivable. Excludes net investment in lease." } } }, "auth_ref": [ "r1312" ] }, "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Recoveries", "documentation": "Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease." } } }, "auth_ref": [ "r455" ] }, "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "negatedLabel": "Charge-offs", "totalLabel": "Current period gross charge-offs", "label": "Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff", "documentation": "Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease." } } }, "auth_ref": [ "r454", "r465" ] }, "wneb_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedFiscalYearBeforeCurrentFiscalYear": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedFiscalYearBeforeCurrentFiscalYear", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details": { "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Current period gross charge-offs, 2022", "documentation": "Amount, excluding accrued interest, of writeoff of financing receivable originated in fiscal year before current fiscal year. Excludes net investment in lease." } } }, "auth_ref": [] }, "wneb_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details": { "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Current period gross charge-offs, Prior", "documentation": "Amount, excluding accrued interest, of writeoff of financing receivable originated more than five years prior to current fiscal year. Excludes net investment in lease." } } }, "auth_ref": [] }, "wneb_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolving": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolving", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details": { "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff", "weight": 1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Current period gross charge-offs, Revolving Loans", "documentation": "Amount, excluding accrued interest, of writeoff of financing receivable that can be withdrawn, repaid, and redrawn." } } }, "auth_ref": [] }, "wneb_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details": { "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Current period gross charge-offs, Revolving Loans Converted to Term Loans", "documentation": "Amount, excluding accrued interest, of writeoff of revolving financing receivable converted to term loan." } } }, "auth_ref": [] }, "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Total Loans", "documentation": "Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease." } } }, "auth_ref": [ "r462", "r464", "r1312" ] }, "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails": { "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails", "http://westfieldbank.com/role/FollowingTableSummarizesInformationAboutTotalLoansRatedSpecialMentionSubstandardDoubtfulOrLossForPeriodsNoted.Details", "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Total gross loans", "verboseLabel": "Total loans", "terseLabel": "Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process", "documentation": "Amortized cost excluding accrued interest, before allowance for credit loss, fee, and loan in process, of financing receivable. Excludes net investment in lease." } } }, "auth_ref": [ "r851" ] }, "us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Provision for (reversal of) for credit losses", "verboseLabel": "(Reversal of) provision for loan losses", "documentation": "Amount, excluding accrued interest, of credit loss expense (reversal of expense) on financing receivable. Excludes net investment in lease." } } }, "auth_ref": [ "r453" ] }, "us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year", "documentation": "Amortized cost excluding accrued interest, of financing receivable originated more than five years prior to current fiscal year. Excludes net investment in lease." } } }, "auth_ref": [ "r462", "r465", "r1041" ] }, "us-gaap_FinancingReceivableExcludingAccruedInterestRevolving": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableExcludingAccruedInterestRevolving", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Excluding Accrued Interest, Revolving", "documentation": "Amortized cost excluding accrued interest, of financing receivable that can be withdrawn, repaid, and redrawn." } } }, "auth_ref": [ "r462", "r465", "r1041" ] }, "us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan", "documentation": "Amortized cost excluding accrued interest, of revolving financing receivable converted to term loan." } } }, "auth_ref": [ "r462", "r466", "r1041" ] }, "us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year", "documentation": "Amortized cost excluding accrued interest, of financing receivable originated four years prior to current fiscal year. Excludes net investment in lease." } } }, "auth_ref": [ "r462", "r465", "r1041" ] }, "us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year", "documentation": "Amortized cost excluding accrued interest, of financing receivable originated three years prior to current fiscal year. Excludes net investment in lease." } } }, "auth_ref": [ "r462", "r465", "r1041" ] }, "us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year", "documentation": "Amortized cost excluding accrued interest, of financing receivable originated in current fiscal year. Excludes net investment in lease." } } }, "auth_ref": [ "r462", "r465", "r1041" ] }, "us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year", "documentation": "Amortized cost excluding accrued interest, of financing receivable originated two years prior to current fiscal year. Excludes net investment in lease." } } }, "auth_ref": [ "r462", "r465", "r1041" ] }, "us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year", "documentation": "Amortized cost excluding accrued interest of financing receivable originated in fiscal year prior to current fiscal year. Excludes net investment in lease." } } }, "auth_ref": [ "r462", "r465", "r1041" ] }, "us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableIndividuallyEvaluatedForImpairment", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Individually evaluated loans, recorded investment", "verboseLabel": "Individually evaluated loans", "documentation": "Amount of financing receivable individually evaluated for credit loss. Excludes financing receivable collectively evaluated for credit loss." } } }, "auth_ref": [ "r394", "r1034" ] }, "us-gaap_FinancingReceivableNonaccrualInterestIncome": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableNonaccrualInterestIncome", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Accrued Interest Receivable Reversed from Income", "documentation": "Amount of interest income on financing receivable on nonaccrual status." } } }, "auth_ref": [ "r459" ] }, "us-gaap_FinancingReceivableNonaccrualNoAllowance": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableNonaccrualNoAllowance", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Nonaccrual, No Allowance", "documentation": "Amortized cost of financing receivable on nonaccrual status with no allowance for credit loss. Excludes net investment in lease." } } }, "auth_ref": [ "r460" ] }, "srt_FinancingReceivableNonaccrualToOutstandingPercent": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "FinancingReceivableNonaccrualToOutstandingPercent", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Nonaccrual loans, percentage of total loans", "documentation": "Percentage of nonaccrual to total financing receivable outstanding." } } }, "auth_ref": [ "r263" ] }, "wneb_FinancingReceivableNonaccrualWithAllowance": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "FinancingReceivableNonaccrualWithAllowance", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Nonaccrual, With Allowance", "documentation": "Amortized cost of financing receivable on nonaccrual status with allowance for credit loss. Excludes net investment in lease." } } }, "auth_ref": [] }, "us-gaap_FinancingReceivablePercentPastDue1": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivablePercentPastDue1", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Total past due, percentage of total loans", "documentation": "Percentage of financing receivable balance that is past due." } } }, "auth_ref": [] }, "us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails", "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails", "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTableSummarizesFairValueHierarchyUsedToDetermineCarryingValuesOfRelatedAssetsAsOfDecember312024And2023.Details", "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Class of Financing Receivable [Axis]", "documentation": "Information by class of financing receivable determined on the basis of initial measurement attribute, risk characteristics and method of monitoring and assessing credit risk." } } }, "auth_ref": [ "r223", "r226", "r228", "r230", "r261", "r262", "r265", "r266", "r393", "r395", "r396", "r397", "r398", "r456", "r457", "r463", "r1033", "r1035", "r1036", "r1041", "r1042", "r1222", "r1223", "r1224", "r1225", "r1226", "r1227", "r1228", "r1229", "r1230", "r1231", "r1277" ] }, "us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails", "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails", "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTableSummarizesFairValueHierarchyUsedToDetermineCarryingValuesOfRelatedAssetsAsOfDecember312024And2023.Details", "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "Financing receivables determined on the basis of initial measurement attribute, risk characteristics and method of monitoring and assessing credit risk." } } }, "auth_ref": [ "r230", "r261", "r262", "r265", "r266", "r393", "r395", "r396", "r397", "r398", "r1033", "r1222", "r1223", "r1224", "r1225", "r1226", "r1227", "r1228", "r1229", "r1230", "r1231", "r1277" ] }, "us-gaap_FinancingReceivableRecordedInvestmentLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableRecordedInvestmentLineItems", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesInformationAboutTotalLoansRatedSpecialMentionSubstandardDoubtfulOrLossForPeriodsNoted.Details", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Credit Quality Indicator [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [ "r223", "r1041", "r1315" ] }, "us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableRecordedInvestmentNonaccrualStatus", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Non-Accrual Loans", "verboseLabel": "Financing Receivable, Nonaccrual", "terseLabel": "Nonaccrual loans", "documentation": "Amortized cost of financing receivable on nonaccrual status. Excludes net investment in lease." } } }, "auth_ref": [ "r227", "r263", "r264", "r458" ] }, "us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableRecordedInvestmentPastDueLineItems", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails", "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Past Due [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [ "r1042", "r1314" ] }, "us-gaap_FinancingReceivableUnamortizedPurchasePremiumDiscount": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivableUnamortizedPurchasePremiumDiscount", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails": { "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Plus: Unearned premiums and deferred loan fees and costs, net", "documentation": "Amount of unamortized purchase premium (discount) on financing receivable. Excludes financing receivable covered under loss sharing agreement." } } }, "auth_ref": [ "r1276", "r1278" ] }, "us-gaap_FinancingReceivables30To59DaysPastDueMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivables30To59DaysPastDueMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Financial Asset, 30 to 59 Days Past Due [Member]", "documentation": "Financial asset more than 29 days past due but fewer than 60 days past due." } } }, "auth_ref": [ "r1042" ] }, "us-gaap_FinancingReceivables60To89DaysPastDueMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivables60To89DaysPastDueMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Financial Asset, 60 to 89 Days Past Due [Member]", "documentation": "Financial asset more than 59 days past due but fewer than 90 days past due." } } }, "auth_ref": [ "r1042" ] }, "us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivablesEqualToGreaterThan90DaysPastDueMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Financial Asset, Equal to or Greater than 90 Days Past Due [Member]", "documentation": "Financial asset equal to or greater than 90 days past due." } } }, "auth_ref": [ "r1042" ] }, "us-gaap_FinancingReceivablesPeriodPastDueAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivablesPeriodPastDueAxis", "presentation": [ "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Financial Asset, Aging [Axis]", "documentation": "Information by period in which financial asset is past due or not past due." } } }, "auth_ref": [ "r228", "r456", "r1042" ] }, "us-gaap_FinancingReceivablesPeriodPastDueDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FinancingReceivablesPeriodPastDueDomain", "presentation": [ "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "Period in which financial asset is past due or not past due. For past due, element name and standard label in Financial Asset, [numeric lower end] to [numeric higher end] [date measure] Past Due [Member] or Financial Asset, Greater than [low end numeric value] [date measure] Past Due [Member] or Financial Asset, Less than [high end numeric value] [date measure] Past Due [Member] formats." } } }, "auth_ref": [ "r228", "r456", "r1042" ] }, "us-gaap_FiniteLivedCoreDepositsGross": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FiniteLivedCoreDepositsGross", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/GoodwillAndOtherIntangiblesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Acquired core deposit intangible", "documentation": "Bank deposits belonging to an acquired bank that can be counted on as a stable source of lending funds. These deposits have the following attributes: predictable costs and low sensitivity to interest rates. This intangible asset is usually amortized over its estimated useful life." } } }, "auth_ref": [ "r1327" ] }, "us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/GoodwillAndOtherIntangiblesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Future amortization of core deposit intangible assets thereafter", "documentation": "Amount of amortization for asset, excluding financial asset and goodwill, lacking physical substance with finite life expected to be recognized after fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r1328", "r1472" ] }, "wneb_FiniteLivedIntangibleAssetsAmortizationExpenseYearOneToFive": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "FiniteLivedIntangibleAssetsAmortizationExpenseYearOneToFive", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/GoodwillAndOtherIntangiblesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Future amortization of core deposit intangible assets years 1-5", "documentation": "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." } } }, "auth_ref": [] }, "us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FiniteLivedIntangibleAssetsByMajorClassAxis", "presentation": [ "http://westfieldbank.com/role/GoodwillAndOtherIntangiblesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Finite-Lived Intangible Assets by Major Class [Axis]", "documentation": "Information by major type or class of finite-lived intangible assets." } } }, "auth_ref": [ "r477", "r479", "r480", "r481", "r482", "r483", "r485", "r486", "r843", "r847", "r1014" ] }, "us-gaap_FiniteLivedIntangibleAssetsLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FiniteLivedIntangibleAssetsLineItems", "presentation": [ "http://westfieldbank.com/role/GoodwillAndOtherIntangiblesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Finite-Lived Intangible Assets [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [ "r477", "r483", "r485", "r486", "r487", "r843", "r1014", "r1045" ] }, "us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FiniteLivedIntangibleAssetsMajorClassNameDomain", "presentation": [ "http://westfieldbank.com/role/GoodwillAndOtherIntangiblesDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "The major class of finite-lived intangible asset (for example, patents, trademarks, copyrights, etc.) A major class is composed of intangible assets that can be grouped together because they are similar, either by their nature or by their use in the operations of a company." } } }, "auth_ref": [ "r477", "r479", "r480", "r481", "r482", "r483", "r485", "r486", "r1014" ] }, "us-gaap_FiniteLivedIntangibleAssetsNet": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "FiniteLivedIntangibleAssetsNet", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Assets", "weight": 1.0, "order": 10.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Core deposit intangible", "documentation": "Amount after amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life." } } }, "auth_ref": [ "r843", "r1327" ] }, "wneb_FirstMortgagesMaximumLoanToValuePercentageInvestmentProperties": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "FirstMortgagesMaximumLoanToValuePercentageInvestmentProperties", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "First mortgages maximum loan-to-value percentage, investment properties", "documentation": "Maximum loan-to-value percentage for first mortgages on investment properties." } } }, "auth_ref": [] }, "wneb_FirstMortgagesMaximumLoanToValuePercentageOwnerOccupiedHomes": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "FirstMortgagesMaximumLoanToValuePercentageOwnerOccupiedHomes", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "First mortgages maximum loan-to-value percentage, owner-occupied homes", "documentation": "Maximum loan-to-value percentage for first mortgages on owner-occupied homes." } } }, "auth_ref": [] }, "wneb_FirstMortgagesMaximumLoanToValuePercentageSecondHomes": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "FirstMortgagesMaximumLoanToValuePercentageSecondHomes", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "First mortgages maximum loan-to-value percentage, second homes", "documentation": "Maximum loan-to-value percentage for first mortgages on second homes." } } }, "auth_ref": [] }, "wneb_ForfeitedEquityIncentivePlanSharesReissuedShares": { "xbrltype": "sharesItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ForfeitedEquityIncentivePlanSharesReissuedShares", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquityParenthetical" ], "lang": { "en-us": { "role": { "label": "Forfeited equity incentive plan shares reissued (in shares)", "documentation": "Number of forfeited equity incentive plan shares reissued during the period." } } }, "auth_ref": [] }, "wneb_ForfeitedEquityIncentivePlanSharesReissuedValue": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ForfeitedEquityIncentivePlanSharesReissuedValue", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "label": "Forfeited equity incentive plan shares reissued", "documentation": "Value of forfeited equity incentive plan shares reissued during the period." } } }, "auth_ref": [] }, "ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt": { "xbrltype": "monetaryItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt", "presentation": [ "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" ], "lang": { "en-us": { "role": { "label": "Forgone Recovery due to Disqualification of Tax Benefits, Amount" } } }, "auth_ref": [ "r1135", "r1146", "r1160", "r1186" ] }, "ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt": { "xbrltype": "monetaryItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "ForgoneRecoveryDueToExpenseOfEnforcementAmt", "presentation": [ "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" ], "lang": { "en-us": { "role": { "label": "Forgone Recovery due to Expense of Enforcement, Amount" } } }, "auth_ref": [ "r1135", "r1146", "r1160", "r1186" ] }, "ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt": { "xbrltype": "monetaryItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "ForgoneRecoveryDueToViolationOfHomeCountryLawAmt", "presentation": [ "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" ], "lang": { "en-us": { "role": { "label": "Forgone Recovery due to Violation of Home Country Law, Amount" } } }, "auth_ref": [ "r1135", "r1146", "r1160", "r1186" ] }, "ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "ForgoneRecoveryExplanationOfImpracticabilityTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" ], "lang": { "en-us": { "role": { "label": "Forgone Recovery, Explanation of Impracticability" } } }, "auth_ref": [ "r1135", "r1146", "r1160", "r1186" ] }, "ecd_ForgoneRecoveryIndName": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "ForgoneRecoveryIndName", "presentation": [ "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" ], "lang": { "en-us": { "role": { "verboseLabel": "Name", "label": "Forgone Recovery, Individual Name" } } }, "auth_ref": [ "r1135", "r1146", "r1160", "r1186" ] }, "us-gaap_GainLossFromHedgedFirmCommitmentNotQualifyingAsFairValueHedgeNet": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "GainLossFromHedgedFirmCommitmentNotQualifyingAsFairValueHedgeNet", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/TableBelowPresentsEffectOfCompanysDerivativeFinancialInstrumentsOnStatementsOfNetIncomeAsOfDecember3120242023And2022.Details" ], "lang": { "en-us": { "role": { "label": "Hedged items", "documentation": "Amount of net gain (loss) recognized in earnings when a hedged firm commitment no longer qualifies as a fair value hedge." } } }, "auth_ref": [ "r95", "r703" ] }, "wneb_GainLossOnBankOwnedLifeInsuranceDeathBenefit": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "GainLossOnBankOwnedLifeInsuranceDeathBenefit", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": -1.0, "order": 17.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "negatedLabel": "Gain on bank-owned life insurance death benefit", "documentation": "Amount of gain (loss) on death benefit of bank-owned life insurance policy.", "label": "Gain On Bankowned Life Insurance Death Benefit" } } }, "auth_ref": [] }, "us-gaap_GainLossOnDispositionOfAssets": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "GainLossOnDispositionOfAssets", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0, "order": 4.0 }, "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": -1.0, "order": 16.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows", "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details" ], "lang": { "en-us": { "role": { "label": "Loss on disposal of premises and equipment", "negatedLabel": "Loss on disposal of premises and equipment", "documentation": "Amount of gain (loss) on sale or disposal of property, plant and equipment assets, excluding oil and gas property and timber property." } } }, "auth_ref": [ "r1251", "r1332", "r1333" ] }, "us-gaap_GainLossOnFairValueHedgeIneffectivenessNet": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "GainLossOnFairValueHedgeIneffectivenessNet", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/TableBelowPresentsEffectOfCompanysDerivativeFinancialInstrumentsOnStatementsOfNetIncomeAsOfDecember3120242023And2022.Details" ], "lang": { "en-us": { "role": { "label": "Derivatives designated as hedging instruments", "documentation": "Amount of gain (loss)recognized in the income statement from the hedging ineffectiveness of a fair value hedge." } } }, "auth_ref": [ "r173" ] }, "us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "GainLossOnFairValueHedgesRecognizedInEarnings", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/TableBelowPresentsEffectOfCompanysDerivativeFinancialInstrumentsOnStatementsOfNetIncomeAsOfDecember3120242023And2022.Details" ], "lang": { "en-us": { "role": { "label": "Total amounts of income line items presented in the statements of net income in which the effects of fair value hedges are recorded", "documentation": "Total amount of gain (loss) derived from fair value hedges recognized in earnings in the period." } } }, "auth_ref": [ "r87" ] }, "us-gaap_GainLossOnSaleOfMortgageLoans": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "GainLossOnSaleOfMortgageLoans", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0, "order": 6.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Gain on sale of mortgages", "verboseLabel": "Gains on the sale of mortgages", "terseLabel": "Gain (loss) on sale of mortgages", "documentation": "The gains (losses) included in earnings that represent the difference between the sale price and the carrying value of loans made to finance real estate acquisitions. This element refers to the gain (loss) and not to the cash proceeds of the sale. This element is a noncash adjustment to net income when calculating net cash generated by operating activities using the indirect method." } } }, "auth_ref": [ "r14", "r238", "r239", "r242" ] }, "us-gaap_GainLossOnSalesOfLoansNet": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "GainLossOnSalesOfLoansNet", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": -1.0, "order": 11.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "negatedLabel": "Gain on sale of portfolio mortgages", "label": "Gain (Loss) on Sales of Loans, Net", "documentation": "The net gain (loss) resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes." } } }, "auth_ref": [ "r14", "r193" ] }, "us-gaap_Goodwill": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "Goodwill", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails": { "parentTag": "us-gaap_TierOneRiskBasedCapital", "weight": -1.0, "order": 3.0 }, "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Assets", "weight": 1.0, "order": 9.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets", "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails", "http://westfieldbank.com/role/GoodwillAndOtherIntangiblesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Goodwill", "negatedLabel": "Goodwill", "documentation": "Amount, after accumulated impairment loss, of asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized." } } }, "auth_ref": [ "r292", "r476", "r849", "r1029", "r1044", "r1071", "r1082", "r1319", "r1320" ] }, "us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "GoodwillAndIntangibleAssetsDisclosureAbstract", "lang": { "en-us": { "role": { "label": "Goodwill and Intangible Assets Disclosure [Abstract]" } } }, "auth_ref": [] }, "us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "GoodwillAndIntangibleAssetsDisclosureTextBlock", "presentation": [ "http://westfieldbank.com/role/GoodwillAndOtherIntangibles" ], "lang": { "en-us": { "role": { "label": "GOODWILL AND OTHER INTANGIBLES", "documentation": "The entire disclosure for goodwill and intangible assets." } } }, "auth_ref": [ "r1318", "r1321" ] }, "wneb_GovernmentSponsoredEnterpriseObligationsMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "GovernmentSponsoredEnterpriseObligationsMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details", "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Government-sponsored enterprise obligations [Member]", "documentation": "Government Sponsored Enterprise Obligations" } } }, "auth_ref": [] }, "wneb_GovernmentSponsoredMortgageBackedSecuritiesMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "GovernmentSponsoredMortgageBackedSecuritiesMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Government-sponsored mortgage-backed securities [Member]", "documentation": "Government-sponsored mortgage-backed securities." } } }, "auth_ref": [] }, "us-gaap_GranteeStatusAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "GranteeStatusAxis", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Grantee Status [Axis]", "documentation": "Information by status of recipient to whom award is granted." } } }, "auth_ref": [ "r608", "r609", "r612", "r613", "r614", "r615", "r616", "r617", "r618", "r619", "r620", "r621", "r622", "r623", "r624", "r625", "r626", "r627", "r628", "r629", "r630", "r631", "r632", "r633", "r634", "r635", "r636", "r637" ] }, "us-gaap_GranteeStatusDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "GranteeStatusDomain", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "Status of recipient to whom award is granted." } } }, "auth_ref": [ "r608", "r609", "r612", "r613", "r614", "r615", "r616", "r617", "r618", "r619", "r620", "r621", "r622", "r623", "r624", "r625", "r626", "r627", "r628", "r629", "r630", "r631", "r632", "r633", "r634", "r635", "r636", "r637" ] }, "wneb_GuaranteedByGovernmentAgenciesMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "GuaranteedByGovernmentAgenciesMember", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Guaranteed by government agencies [Member]", "documentation": "Guaranteed by government agencies." } } }, "auth_ref": [] }, "us-gaap_HedgedAssetFairValueHedge": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HedgedAssetFairValueHedge", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/AsOfDecember312023FollowingAmountsWereRecordedOnBalanceSheetRelatedToCumulativeBasisAdjustmentOfFairValueHedgesDetails" ], "lang": { "en-us": { "role": { "label": "Carrying Amount of Hedged Assets/(Liabilities)", "documentation": "Amount of asset hedged in fair value hedging relationship." } } }, "auth_ref": [ "r705", "r1068" ] }, "us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HedgedAssetFairValueHedgeCumulativeIncreaseDecrease", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/AsOfDecember312023FollowingAmountsWereRecordedOnBalanceSheetRelatedToCumulativeBasisAdjustmentOfFairValueHedgesDetails" ], "lang": { "en-us": { "role": { "label": "Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities)", "documentation": "Amount of cumulative increase (decrease) in fair value of hedged asset in fair value hedge, attributable to hedged risk." } } }, "auth_ref": [ "r706", "r1068" ] }, "us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/DerivativesAndHedgingActivitiesDetailsNarrative" ], "lang": { "en-us": { "role": { "negatedLabel": "Cumulative basis adjustments", "label": "Hedged Asset, Fair Value Hedge, Portfolio Layer Method, Hedged Layer, Fair Value, Cumulative Increase (Decrease)", "documentation": "Amount of cumulative increase (decrease) in fair value of hedged asset in fair value hedge, attributable to hedged risk, in portfolio layer hedging relationship." } } }, "auth_ref": [ "r709", "r1069" ] }, "us-gaap_HedgedAssetStatementOfFinancialPositionExtensibleEnumeration": { "xbrltype": "enumerationSetItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HedgedAssetStatementOfFinancialPositionExtensibleEnumeration", "presentation": [ "http://westfieldbank.com/role/AsOfDecember312023FollowingAmountsWereRecordedOnBalanceSheetRelatedToCumulativeBasisAdjustmentOfFairValueHedgesDetails" ], "lang": { "en-us": { "role": { "label": "Hedged Asset, Statement of Financial Position [Extensible Enumeration]", "documentation": "Indicates line item in statement of financial position that includes hedged asset." } } }, "auth_ref": [ "r707", "r1068" ] }, "us-gaap_HedgingDesignationAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HedgingDesignationAxis", "presentation": [ "http://westfieldbank.com/role/DerivativesAndHedgingActivitiesDetailsNarrative", "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "label": "Hedging Designation [Axis]", "documentation": "Information by designation of purpose of derivative instrument." } } }, "auth_ref": [ "r26", "r704" ] }, "us-gaap_HedgingDesignationDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HedgingDesignationDomain", "presentation": [ "http://westfieldbank.com/role/DerivativesAndHedgingActivitiesDetailsNarrative", "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "documentation": "Designation of purpose of derivative instrument." } } }, "auth_ref": [ "r26" ] }, "us-gaap_HedgingRelationshipDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HedgingRelationshipDomain", "presentation": [ "http://westfieldbank.com/role/DerivativesAndHedgingActivitiesDetailsNarrative", "http://westfieldbank.com/role/TableBelowPresentsEffectOfCompanysDerivativeFinancialInstrumentsOnStatementsOfNetIncomeAsOfDecember3120242023And2022.Details", "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "documentation": "Nature or intent of a hedge." } } }, "auth_ref": [ "r26" ] }, "us-gaap_HeldToMaturitySecurities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HeldToMaturitySecurities", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Investments", "weight": 1.0, "order": 2.0 }, "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details": { "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss", "weight": 1.0, "order": 2.0 }, "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details", "http://westfieldbank.com/role/ConsolidatedBalanceSheets", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Securities held-to-maturity, at amortized cost (Fair value of $165,606 at December 31, 2024 and $187,692 at December 31, 2023)", "verboseLabel": "Held-to-maturity securities, amortized cost", "totalLabel": "Amortized cost, held to maturity", "documentation": "Amount, before allowance for credit loss, of investment in debt security measured at amortized cost (held-to-maturity)." } } }, "auth_ref": [ "r228", "r417", "r456", "r1312" ] }, "us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details": { "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity securities, gross unrealized gains", "documentation": "Amount of accumulated unrecognized gain on investment in debt security measured at amortized cost (held-to-maturity)." } } }, "auth_ref": [ "r232", "r427" ] }, "us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details": { "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "negatedLabel": "Held-to-maturity securities, gross unrealized losses", "label": "Debt Securities, Held-to-Maturity, Accumulated Unrecognized Loss", "documentation": "Amount of accumulated unrealized loss on investment in debt security measured at amortized cost (held-to-maturity)." } } }, "auth_ref": [ "r233", "r428" ] }, "us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity, over 12 months, gross unrealized loss", "documentation": "Amount of accumulated unrealized loss on investment in debt security measured at amortized cost (held-to-maturity), in continuous loss position for 12 months or longer." } } }, "auth_ref": [ "r234", "r236" ] }, "us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity, gross unrealized loss", "documentation": "Amount of accumulated unrealized loss on investment in debt security measured at amortized cost (held-to-maturity), in unrealized loss position." } } }, "auth_ref": [ "r234" ] }, "wneb_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionDepreciationFromAmortizedCostPercentage": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "HeldToMaturitySecuritiesContinuousUnrealizedLossPositionDepreciationFromAmortizedCostPercentage", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity, depreciation from amortized cost basis (%)", "documentation": "Held to maturity securities continuous unrealized loss position depreciation from amortized cost percentage." } } }, "auth_ref": [] }, "us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity, less than 12 months, gross unrealized loss", "documentation": "Amount of accumulated unrealized loss on investment in debt security measured at amortized cost (held-to-maturity), in continuous loss position for less than 12 months." } } }, "auth_ref": [ "r234", "r236" ] }, "wneb_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity, less than 12 months, depreciation from amortized cost basis (%)", "documentation": "Held to maturity securities continuous unrealized loss position less than twelve months depreciation from amortized cost percentage." } } }, "auth_ref": [] }, "us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12Months", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity, less than 12 months, fair value", "documentation": "Fair value of investment in debt security measured at amortized cost (held-to-maturity), in continuous unrealized loss position for less than 12 months." } } }, "auth_ref": [ "r236" ] }, "wneb_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity, over 12 months, depreciation from amortized cost basis (%)", "documentation": "Held to maturity securities continuous unrealized loss position twelve months or longer depreciation from amortized cost percentage." } } }, "auth_ref": [] }, "us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details": { "parentTag": "wneb_DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity, over 12 months, fair value", "documentation": "Fair value of investment in debt security measured at amortized cost (held-to-maturity), in continuous unrealized loss position for 12 months or longer." } } }, "auth_ref": [ "r236" ] }, "us-gaap_HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsFairValue", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details": { "parentTag": "us-gaap_HeldToMaturitySecuritiesFairValue", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity securities, due after ten years, fair value", "documentation": "Fair value of investment in debt security measured at amortized cost (held-to-maturity), with single maturity date and allocated without single maturity date, maturing after tenth rolling fiscal year following latest fiscal year. For interim and annual periods when interim period is reported on rolling approach, from latest statement of financial position date." } } }, "auth_ref": [] }, "us-gaap_HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details": { "parentTag": "us-gaap_HeldToMaturitySecuritiesFairValue", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity securities, due after five years through ten years, fair value", "documentation": "Fair value of investment in debt security measured at amortized cost (held-to-maturity), with single maturity date and allocated without single maturity date, maturing in sixth through tenth rolling fiscal year following latest fiscal year. For interim and annual periods when interim period is reported on rolling approach, from latest statement of financial position date." } } }, "auth_ref": [] }, "us-gaap_HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details": { "parentTag": "us-gaap_HeldToMaturitySecuritiesFairValue", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity securities, due after one year through five years, fair value", "documentation": "Fair value of investment in debt security measured at amortized cost (held-to-maturity), with single maturity date and allocated without single maturity date, maturing in second through fifth rolling fiscal year following latest fiscal year. For interim and annual periods when interim period is reported on rolling approach, from latest statement of financial position date." } } }, "auth_ref": [] }, "us-gaap_HeldToMaturitySecuritiesFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HeldToMaturitySecuritiesFairValue", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details": { "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue", "weight": 1.0, "order": 2.0 }, "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details", "http://westfieldbank.com/role/ConsolidatedBalanceSheetsParenthetical", "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity securities, fair value", "totalLabel": "Fair value, held to maturity", "verboseLabel": "Securities held-to-maturity", "documentation": "Fair value of investment in debt security measured at amortized cost (held-to-maturity)." } } }, "auth_ref": [ "r231", "r426", "r737", "r746", "r850", "r871" ] }, "us-gaap_HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsAmortizedCost": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsAmortizedCost", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details": { "parentTag": "us-gaap_HeldToMaturitySecurities", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity securities, due after ten years, amortized cost", "documentation": "Amount, after allowance for credit loss, of investment in debt security measured at amortized cost (held-to-maturity) with single maturity date and allocated without single maturity date, maturing after rolling tenth fiscal year following current statement of financial position date. For interim and annual periods when interim period is reported on rolling approach." } } }, "auth_ref": [ "r1297", "r1448" ] }, "us-gaap_HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details": { "parentTag": "us-gaap_HeldToMaturitySecurities", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity securities, due after five years through ten years, amortized cost", "documentation": "Amount, after allowance for credit loss, of investment in debt security measured at amortized cost (held-to-maturity) with single maturity date and allocated without single maturity date, maturing in sixth through tenth rolling fiscal year following current statement of financial position date. For interim and annual periods when interim period is reported on rolling approach." } } }, "auth_ref": [ "r1296", "r1447" ] }, "us-gaap_HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details": { "parentTag": "us-gaap_HeldToMaturitySecurities", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details" ], "lang": { "en-us": { "role": { "label": "Held-to-maturity securities, due after one year through five years, amortized cost", "documentation": "Amount, after allowance for credit loss, of investment in debt security measured at amortized cost (held-to-maturity) with single maturity date and allocated without single maturity date, maturing in second through fifth rolling fiscal year following current statement of financial position date. For interim and annual periods when interim period is reported on rolling approach." } } }, "auth_ref": [ "r1295", "r1446" ] }, "us-gaap_HomeEquityMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "HomeEquityMember", "presentation": [ "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails", "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Home Equity Line of Credit [Member]", "documentation": "Revolving, open-end loan extended under a line of credit and secured by the borrower's residential property." } } }, "auth_ref": [] }, "dei_IcfrAuditorAttestationFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "IcfrAuditorAttestationFlag", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "ICFR Auditor Attestation Flag" } } }, "auth_ref": [ "r1113", "r1115", "r1138" ] }, "us-gaap_ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Impairment of Long-lived Assets", "documentation": "Disclosure of accounting policy for recognizing and measuring the impairment of long-lived assets. An entity also may disclose its accounting policy for long-lived assets to be sold. This policy excludes goodwill and intangible assets." } } }, "auth_ref": [ "r1", "r154" ] }, "wneb_IncomeBeforeEquityInUndistributedIncomeOfSubsidiariesAndIncomeTaxes": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "IncomeBeforeEquityInUndistributedIncomeOfSubsidiariesAndIncomeTaxes", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "totalLabel": "Income before equity in undistributed income of subsidiaries and income taxes", "documentation": "Reprsents Income before equity in undistributed income of subsidiaries and income taxes.", "label": "Income before equity in undistributed income of subsidiaries and income taxes" } } }, "auth_ref": [] }, "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NetIncomeLoss", "weight": 1.0, "order": 1.0 }, "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details" ], "lang": { "en-us": { "role": { "totalLabel": "Income before income taxes", "label": "Net income before taxes", "verboseLabel": "Income before income taxes", "documentation": "Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest." } } }, "auth_ref": [ "r134", "r197", "r213", "r857", "r883", "r1024", "r1028", "r1265", "r1267", "r1268", "r1269", "r1270" ] }, "us-gaap_IncomeStatementAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncomeStatementAbstract", "lang": { "en-us": { "role": { "label": "Income Statement [Abstract]" } } }, "auth_ref": [] }, "us-gaap_IncomeTaxAuthorityAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncomeTaxAuthorityAxis", "presentation": [ "http://westfieldbank.com/role/IncomeTaxesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Income Tax Jurisdiction [Axis]", "documentation": "Information by income tax jurisdiction." } } }, "auth_ref": [ "r324", "r652", "r653", "r661", "r668", "r1066", "r1389" ] }, "us-gaap_IncomeTaxAuthorityDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncomeTaxAuthorityDomain", "presentation": [ "http://westfieldbank.com/role/IncomeTaxesDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "Income tax jurisdiction." } } }, "auth_ref": [ "r324", "r652", "r653", "r661", "r668", "r1066", "r1389" ] }, "us-gaap_IncomeTaxDisclosureAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncomeTaxDisclosureAbstract", "lang": { "en-us": { "role": { "label": "Income Tax Disclosure [Abstract]" } } }, "auth_ref": [] }, "us-gaap_IncomeTaxDisclosureTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncomeTaxDisclosureTextBlock", "presentation": [ "http://westfieldbank.com/role/IncomeTaxes" ], "lang": { "en-us": { "role": { "label": "INCOME TAXES", "documentation": "The entire disclosure for income tax." } } }, "auth_ref": [ "r327", "r645", "r652", "r658", "r659", "r660", "r662", "r667", "r676", "r678", "r679", "r680", "r915", "r1066" ] }, "us-gaap_IncomeTaxExpenseBenefit": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncomeTaxExpenseBenefit", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NetIncomeLoss", "weight": -1.0, "order": 2.0 }, "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails": { "parentTag": null, "weight": null, "order": null, "root": true }, "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails", "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details", "http://westfieldbank.com/role/IncomeTaxesConsistOfFollowingDetails" ], "lang": { "en-us": { "role": { "label": "Income tax provision", "totalLabel": "Total tax provision", "verboseLabel": "Income tax benefit", "documentation": "Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations." } } }, "auth_ref": [ "r240", "r254", "r347", "r348", "r363", "r374", "r383", "r651", "r652", "r677", "r894", "r1066" ] }, "us-gaap_IncomeTaxPolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncomeTaxPolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Income Taxes", "documentation": "Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements." } } }, "auth_ref": [ "r313", "r647", "r648", "r662", "r663", "r666", "r669", "r911" ] }, "wneb_IncomeTaxReconciliationBankOwnedLifeInsurance": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "IncomeTaxReconciliationBankOwnedLifeInsurance", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails": { "parentTag": "us-gaap_IncomeTaxExpenseBenefit", "weight": -1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Bank-owned life insurance (BOLI)", "documentation": "Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to bank-owned life insurance.", "label": "Income Tax Reconciliation Bank Owned Life Insurance" } } }, "auth_ref": [] }, "wneb_IncomeTaxReconciliationBankOwnedLifeInsuranceDeathBenefit": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "IncomeTaxReconciliationBankOwnedLifeInsuranceDeathBenefit", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails": { "parentTag": "us-gaap_IncomeTaxExpenseBenefit", "weight": -1.0, "order": 5.0 } }, "presentation": [ "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "BOLI death benefit", "documentation": "Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to bank-owned life insurance death benefit.", "label": "Income Tax Reconciliation Bank Owned Life Insurance Death Benefit" } } }, "auth_ref": [] }, "us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails": { "parentTag": "us-gaap_IncomeTaxExpenseBenefit", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails" ], "lang": { "en-us": { "role": { "label": "Statutory federal income tax", "documentation": "The amount of income tax expense or benefit for the period computed by applying the domestic federal statutory tax rates to pretax income from continuing operations." } } }, "auth_ref": [ "r652", "r1066" ] }, "wneb_IncomeTaxReconciliationOptionExerciseTaxBenefit": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "IncomeTaxReconciliationOptionExerciseTaxBenefit", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails": { "parentTag": "us-gaap_IncomeTaxExpenseBenefit", "weight": -1.0, "order": 6.0 } }, "presentation": [ "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Option exercise tax (benefit) shortfall", "documentation": "Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to option exercise tax benefit.", "label": "Income Tax Reconciliation Option Exercise Tax Benefit" } } }, "auth_ref": [] }, "us-gaap_IncomeTaxReconciliationOtherAdjustments": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncomeTaxReconciliationOtherAdjustments", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails": { "parentTag": "us-gaap_IncomeTaxExpenseBenefit", "weight": 1.0, "order": 7.0 } }, "presentation": [ "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails" ], "lang": { "en-us": { "role": { "label": "Other, net", "documentation": "Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other adjustments." } } }, "auth_ref": [ "r1066", "r1384", "r1385" ] }, "us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncomeTaxReconciliationStateAndLocalIncomeTaxes", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails": { "parentTag": "us-gaap_IncomeTaxExpenseBenefit", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails" ], "lang": { "en-us": { "role": { "label": "State taxes, net of federal tax benefit", "documentation": "Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to state and local income tax expense (benefit)." } } }, "auth_ref": [ "r655", "r1066", "r1384" ] }, "us-gaap_IncomeTaxReconciliationTaxExemptIncome": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncomeTaxReconciliationTaxExemptIncome", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails": { "parentTag": "us-gaap_IncomeTaxExpenseBenefit", "weight": -1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/DifferencesBetweenStatutoryFederalIncomeTaxAtRateOf21AndEffectiveTaxAreSummarizedBelowDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Tax-exempt income", "label": "Effective Income Tax Rate Reconciliation, Tax Exempt Income, Amount", "documentation": "Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to income (loss) exempt from income taxes." } } }, "auth_ref": [ "r656", "r657", "r1384" ] }, "us-gaap_IncomeTaxesPaid": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncomeTaxesPaid", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/IncomeTaxesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Cash paid for income taxes", "documentation": "Amount, before refund, of cash paid to foreign, federal, state, and local jurisdictions as income tax." } } }, "auth_ref": [ "r45", "r146", "r1253", "r1387", "r1388" ] }, "us-gaap_IncreaseDecreaseInDeposits": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncreaseDecreaseInDeposits", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Net increase (decrease) in deposits", "documentation": "The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances." } } }, "auth_ref": [ "r43", "r207" ] }, "us-gaap_IncreaseDecreaseInInterestAndDividendsReceivable": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncreaseDecreaseInInterestAndDividendsReceivable", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": -1.0, "order": 20.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "negatedLabel": "Accrued interest receivable", "label": "Increase (Decrease) in Interest and Dividends Receivable", "documentation": "The increase (decrease) during the reporting period in the aggregate amount due to the entity in the form of unpaid interest and dividends." } } }, "auth_ref": [ "r13" ] }, "us-gaap_IncreaseDecreaseInOperatingCapitalAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncreaseDecreaseInOperatingCapitalAbstract", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Net change in:" } } }, "auth_ref": [] }, "us-gaap_IncreaseDecreaseInOtherOperatingAssets": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncreaseDecreaseInOtherOperatingAssets", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": -1.0, "order": 21.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "negatedLabel": "Other assets", "negatedTerseLabel": "Change in other assets", "label": "Increase (Decrease) in Other Operating Assets", "documentation": "Amount of increase (decrease) in operating assets classified as other." } } }, "auth_ref": [ "r13" ] }, "us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncreaseDecreaseInOtherOperatingCapitalNet", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Other, net", "label": "Increase (Decrease) in Other Operating Assets and Liabilities, Net", "documentation": "Amount of increase (decrease) in operating assets after deduction of operating liabilities classified as other." } } }, "auth_ref": [ "r13" ] }, "us-gaap_IncreaseDecreaseInOtherOperatingLiabilities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncreaseDecreaseInOtherOperatingLiabilities", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0, "order": 22.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "verboseLabel": "Other liabilities", "label": "Change in other liabilities", "documentation": "Amount of increase (decrease) in operating liabilities classified as other." } } }, "auth_ref": [ "r13" ] }, "us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncrementalCommonSharesAttributableToCallOptionsAndWarrants", "calculation": { "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails": { "parentTag": "wneb_AverageNumberOfCommonSharesOutstandingUsedToCalculateDilutedEarningsPerCommonShare", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails" ], "lang": { "en-us": { "role": { "label": "Effect of dilutive stock options", "documentation": "Additional shares included in the calculation of diluted EPS as a result of the potentially dilutive effect of call options and warrants using the treasury stock method." } } }, "auth_ref": [ "r353", "r354", "r355", "r360" ] }, "us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "IncrementalCommonSharesAttributableToShareBasedPaymentArrangements", "calculation": { "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails": { "parentTag": "wneb_AverageNumberOfCommonSharesOutstandingUsedToCalculateDilutedEarningsPerCommonShare", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails" ], "lang": { "en-us": { "role": { "label": "Effect of dilutive performance-based equity incentive plan shares", "documentation": "Additional shares included in the calculation of diluted EPS as a result of the potentially dilutive effect of share based payment arrangements using the treasury stock method." } } }, "auth_ref": [ "r353", "r354", "r356", "r360", "r610" ] }, "ecd_IndividualAxis": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "IndividualAxis", "presentation": [ "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure", "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure", "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements", "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Individual [Axis]" } } }, "auth_ref": [ "r1135", "r1146", "r1160", "r1177", "r1186", "r1190", "r1198" ] }, "wneb_IndividuallyEvaluatedLoansMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "IndividuallyEvaluatedLoansMember", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesFairValueHierarchyUsedToDetermineCarryingValuesOfRelatedAssetsAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Individually Evaluated Loans [Member]", "documentation": "Individually Evaluated Loans." } } }, "auth_ref": [] }, "us-gaap_InformationTechnologyAndDataProcessing": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InformationTechnologyAndDataProcessing", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestExpense", "weight": 1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Data processing", "documentation": "The amount of expenses incurred in the period for information technology and data processing products and services." } } }, "auth_ref": [ "r136" ] }, "ecd_InsiderTradingArrLineItems": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "InsiderTradingArrLineItems", "auth_ref": [ "r1196" ] }, "ecd_InsiderTradingPoliciesProcLineItems": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "InsiderTradingPoliciesProcLineItems", "lang": { "en-us": { "role": { "label": "Insider Trading Policies and Procedures [Line Items]" } } }, "auth_ref": [ "r1116", "r1201" ] }, "ecd_InsiderTrdPoliciesProcAdoptedFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "InsiderTrdPoliciesProcAdoptedFlag", "presentation": [ "http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" ], "lang": { "en-us": { "role": { "label": "Insider Trading Policies and Procedures Adopted" } } }, "auth_ref": [ "r1116", "r1201" ] }, "ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "InsiderTrdPoliciesProcNotAdoptedTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" ], "lang": { "en-us": { "role": { "label": "Insider Trading Policies and Procedures Not Adopted" } } }, "auth_ref": [ "r1116", "r1201" ] }, "wneb_IntangibleAssetsNetOfAssociatedDeferredTaxLiabilities": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "IntangibleAssetsNetOfAssociatedDeferredTaxLiabilities", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails": { "parentTag": "us-gaap_TierOneRiskBasedCapital", "weight": -1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Intangible assets, net of associated deferred tax liabilities", "documentation": "Intangible Assets Net Of Associated Deferred Tax Liabilities", "label": "Intangible Assets Net Of Associated Deferred Tax Liabilities" } } }, "auth_ref": [] }, "us-gaap_InterestAndDividendIncomeOperating": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestAndDividendIncomeOperating", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestIncomeExpenseNet", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details" ], "lang": { "en-us": { "role": { "totalLabel": "Total interest and dividend income", "label": "Interest and dividend income", "documentation": "Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein." } } }, "auth_ref": [ "r190", "r198", "r200", "r201", "r202", "r1471" ] }, "us-gaap_InterestAndDividendIncomeOperatingAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestAndDividendIncomeOperatingAbstract", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Interest and dividend income:" } } }, "auth_ref": [] }, "us-gaap_InterestAndDividendIncomeSecurities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestAndDividendIncomeSecurities", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestAndDividendIncomeOperating", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "totalLabel": "Total interest and dividend income from investment securities", "label": "Interest and Dividend Income, Securities, Operating", "documentation": "Amount of operating dividend and interest income, including amortization and accretion of premiums and discounts, on securities." } } }, "auth_ref": [ "r1460", "r1470" ] }, "us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldInPortfolio": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestAndFeeIncomeLoansAndLeasesHeldInPortfolio", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestAndDividendIncomeOperating", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "totalLabel": "Total interest income from loans", "label": "Interest and Fee Income, Loan and Lease, Held-in-Portfolio", "documentation": "Interest and fee income generated by loans the Entity intends and has the ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (1) industrial and agricultural; (2) real estate; and (3) real estate construction loans; (4) trade financing; (5) lease financing; (6) home equity lines-of-credit; (7) automobile and other vehicle loans; and (8) credit card and other revolving-type loans. Also includes interest income for leases held by the Entity." } } }, "auth_ref": [ "r190" ] }, "us-gaap_InterestAndFeeIncomeLoansCommercialAndResidentialRealEstate": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestAndFeeIncomeLoansCommercialAndResidentialRealEstate", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldInPortfolio", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Residential and commercial real estate loans", "documentation": "Interest and fee income from commercial and residential real estate loans." } } }, "auth_ref": [ "r190" ] }, "us-gaap_InterestAndFeeIncomeLoansCommercialIndustrialAndAgriculturalLoans": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestAndFeeIncomeLoansCommercialIndustrialAndAgriculturalLoans", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldInPortfolio", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Commercial and industrial loans", "documentation": "Interest and fee income generated from all commercial, industrial, and agricultural loans." } } }, "auth_ref": [ "r190" ] }, "us-gaap_InterestAndFeeIncomeLoansConsumer": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestAndFeeIncomeLoansConsumer", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldInPortfolio", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Consumer loans", "documentation": "Interest and fee income generated from consumer loans. Consumer loans are loans to individuals for household, family, and other personal expenditures. Such loans include residential mortgages, home equity lines-of-credit, automobiles and marine transport loans, credit card transactions, and others." } } }, "auth_ref": [ "r190" ] }, "us-gaap_InterestBearingDepositLiabilities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestBearingDepositLiabilities", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Deposits", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Interest-bearing deposits", "documentation": "The aggregate of all domestic and foreign interest-bearing deposit liabilities." } } }, "auth_ref": [ "r179" ] }, "us-gaap_InterestBearingDepositLiabilitiesAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestBearingDepositLiabilitiesAbstract", "presentation": [ "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Demand and interest-bearing checking:" } } }, "auth_ref": [] }, "us-gaap_InterestBearingDepositsInBanks": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestBearingDepositsInBanks", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_CashCashEquivalentsAndFederalFundsSold", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Interest-bearing deposits and other short-term investments", "documentation": "For banks and other depository institutions (including Federal Reserve Banks, if applicable): Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet." } } }, "auth_ref": [ "r101", "r186" ] }, "us-gaap_InterestBearingDomesticDepositDemand": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestBearingDomesticDepositDemand", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails": { "parentTag": "wneb_TotalCoreDeposits", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Interest-bearing checking accounts", "documentation": "Amount of money in interest-bearing domestic accounts that entitle the depositor to withdraw funds at any time without prior notice, also known as demand deposits." } } }, "auth_ref": [ "r179" ] }, "us-gaap_InterestExpense": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestExpense", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details" ], "lang": { "en-us": { "role": { "label": "Interest expense", "documentation": "Amount of interest expense classified as operating and nonoperating. Includes, but is not limited to, cost of borrowing accounted for as interest expense." } } }, "auth_ref": [ "r363", "r370", "r373", "r375", "r383", "r771", "r1028", "r1029" ] }, "us-gaap_InterestExpenseAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestExpenseAbstract", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Interest expense:" } } }, "auth_ref": [] }, "wneb_InterestExpenseDepositLiabilitiesInterestBearingChecking": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "InterestExpenseDepositLiabilitiesInterestBearingChecking", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/InterestExpenseOnDepositsForYearsEndedDecember3120242023And2022IsSummarizedAsFollowsDetails": { "parentTag": "us-gaap_InterestExpenseDeposits", "weight": 1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/InterestExpenseOnDepositsForYearsEndedDecember3120242023And2022IsSummarizedAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Interest-bearing accounts", "documentation": "Amount of interest expense on interest-bearing checking deposit liabilities." } } }, "auth_ref": [] }, "us-gaap_InterestExpenseDeposits": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestExpenseDeposits", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestExpenseOperating", "weight": 1.0, "order": 1.0 }, "http://westfieldbank.com/role/InterestExpenseOnDepositsForYearsEndedDecember3120242023And2022IsSummarizedAsFollowsDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/InterestExpenseOnDepositsForYearsEndedDecember3120242023And2022IsSummarizedAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Deposits", "totalLabel": "Total", "documentation": "Aggregate amount of interest expense on all deposits." } } }, "auth_ref": [ "r203" ] }, "us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestExpenseDomesticDepositLiabilitiesMoneyMarket", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/InterestExpenseOnDepositsForYearsEndedDecember3120242023And2022IsSummarizedAsFollowsDetails": { "parentTag": "us-gaap_InterestExpenseDeposits", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/InterestExpenseOnDepositsForYearsEndedDecember3120242023And2022IsSummarizedAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Money market accounts", "label": "Interest Expense Domestic Deposit Liabilities, Money Market", "documentation": "Amount of interest expense on domestic money market demand account deposit liabilities." } } }, "auth_ref": [ "r203" ] }, "us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestExpenseDomesticDepositLiabilitiesSavings", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/InterestExpenseOnDepositsForYearsEndedDecember3120242023And2022IsSummarizedAsFollowsDetails": { "parentTag": "us-gaap_InterestExpenseDeposits", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/InterestExpenseOnDepositsForYearsEndedDecember3120242023And2022IsSummarizedAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Savings accounts", "documentation": "Amount of interest expense on domestic savings deposit liabilities." } } }, "auth_ref": [ "r203" ] }, "us-gaap_InterestExpenseDomesticDepositLiabilitiesTimeDeposit": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestExpenseDomesticDepositLiabilitiesTimeDeposit", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/InterestExpenseOnDepositsForYearsEndedDecember3120242023And2022IsSummarizedAsFollowsDetails": { "parentTag": "us-gaap_InterestExpenseDeposits", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/InterestExpenseOnDepositsForYearsEndedDecember3120242023And2022IsSummarizedAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Time deposits", "label": "Interest Expense Domestic Deposit Liabilities, Time Deposit", "documentation": "Amount of interest expense on time deposit liabilities." } } }, "auth_ref": [ "r203" ] }, "wneb_InterestExpenseOnTimeDeposits250000OrMore": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "InterestExpenseOnTimeDeposits250000OrMore", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/DepositsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Interest expense on time deposits 250000 or more", "documentation": "Interest expense on time deposits 250000 or more." } } }, "auth_ref": [] }, "us-gaap_InterestExpenseOperating": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestExpenseOperating", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestIncomeExpenseNet", "weight": -1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "totalLabel": "Total interest expense", "label": "Interest Expense, Operating", "documentation": "Amount of interest expense classified as operating." } } }, "auth_ref": [ "r373", "r856", "r1245" ] }, "us-gaap_InterestExpenseOther": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestExpenseOther", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_OperatingExpenses", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "ESOP loan interest expense", "documentation": "Amount of interest expense classified as other." } } }, "auth_ref": [] }, "us-gaap_InterestExpenseOtherLongTermDebt": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestExpenseOtherLongTermDebt", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestExpenseOperating", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "verboseLabel": "Long-term debt", "label": "Interest Expense, Other Long-Term Debt", "documentation": "Amount of interest expense incurred on long-term debt classified as other, including, but not limited to, interest on long-term notes and amortization of issuance costs." } } }, "auth_ref": [ "r205" ] }, "us-gaap_InterestExpenseShortTermBorrowings": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestExpenseShortTermBorrowings", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestExpenseOperating", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "verboseLabel": "Short-term borrowings", "label": "Interest Expense, Short-Term Borrowings", "documentation": "The aggregate interest expense incurred on short-term borrowings including commercial paper and Federal funds purchased and securities sold under agreements to repurchase." } } }, "auth_ref": [ "r204", "r257", "r258" ] }, "us-gaap_InterestExpenseSubordinatedNotesAndDebentures": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestExpenseSubordinatedNotesAndDebentures", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestExpenseOperating", "weight": 1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "verboseLabel": "Subordinated debt", "label": "Interest Expense, Subordinated Notes and Debentures", "documentation": "Interest expense incurred during the reporting period on subordinated notes and debentures. Includes amortization of expenses incurred in the issuance of subordinated notes and debentures." } } }, "auth_ref": [ "r205" ] }, "wneb_InterestIncomeCashAndCashEquivalents": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "InterestIncomeCashAndCashEquivalents", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestAndDividendIncomeOperating", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "totalLabel": "Total interest income from cash and cash equivalents", "documentation": "Amount of operating interest income on cash and cash equivalents.", "label": "Interest Income Cash and Cash Equivalents" } } }, "auth_ref": [] }, "us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestIncomeExpenseAfterProvisionForLoanLoss", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "totalLabel": "Net interest and dividend income after (reversal of) provision for credit losses", "label": "Interest Income (Expense), after Provision for Loan Loss", "documentation": "Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses." } } }, "auth_ref": [ "r192" ] }, "us-gaap_InterestIncomeExpenseNet": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestIncomeExpenseNet", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details" ], "lang": { "en-us": { "role": { "totalLabel": "Net interest and dividend income", "label": "Net interest and dividend income", "documentation": "Amount of interest income (expense) classified as operating." } } }, "auth_ref": [ "r852", "r1267" ] }, "wneb_InterestIncomeFederalFundsSoldAndOtherShortTermInvestments": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "InterestIncomeFederalFundsSoldAndOtherShortTermInvestments", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "wneb_InterestIncomeCashAndCashEquivalents", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Short-term investments", "documentation": "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." } } }, "auth_ref": [] }, "us-gaap_InterestIncomeOther": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestIncomeOther", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_Revenues", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "ESOP loan interest income", "documentation": "Amount of interest income earned from interest bearing assets classified as other." } } }, "auth_ref": [] }, "wneb_InterestIncomeOtherInvestments": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "InterestIncomeOtherInvestments", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "wneb_InterestIncomeCashAndCashEquivalents", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Other investments", "documentation": "Amount of operating interest income on other investments." } } }, "auth_ref": [] }, "us-gaap_InterestIncomeSecuritiesTaxExempt": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestIncomeSecuritiesTaxExempt", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestAndDividendIncomeSecurities", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Investment securities, tax-exempt", "documentation": "Amount of operating interest income, including amortization and accretion of premiums and discounts, on securities exempt from state, federal and other income tax." } } }, "auth_ref": [ "r198", "r257", "r259" ] }, "us-gaap_InterestIncomeSecuritiesTaxable": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestIncomeSecuritiesTaxable", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestAndDividendIncomeSecurities", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Investment securities, taxable", "documentation": "Amount of operating interest income, including amortization and accretion of premiums and discounts, on securities subject to state, federal and other income tax." } } }, "auth_ref": [ "r198", "r257", "r259" ] }, "us-gaap_InterestPaid": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestPaid", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative", "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Cash paid for interest", "documentation": "Amount of cash paid for interest, including, but not limited to, capitalized interest and payment to settle zero-coupon bond attributable to accreted interest of debt discount and debt instrument with insignificant coupon interest rate in relation to effective interest rate of borrowing attributable to accreted interest of debt discount; classified as operating and investing activities." } } }, "auth_ref": [ "r1252" ] }, "wneb_InterestPayableFairValueDisclosure": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "InterestPayableFairValueDisclosure", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Accrued interest payable", "documentation": "Interest Payable, Fair Value Disclosure" } } }, "auth_ref": [] }, "us-gaap_InterestRateSwapMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestRateSwapMember", "presentation": [ "http://westfieldbank.com/role/TableBelowPresentsEffectOfCompanysDerivativeFinancialInstrumentsOnStatementsOfNetIncomeAsOfDecember3120242023And2022.Details", "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "label": "Interest Rate Swap [Member]", "documentation": "Forward based contracts in which two parties agree to swap periodic payments that are fixed at the outset of the swap contract with variable payments based on a market interest rate (index rate) over a specified period." } } }, "auth_ref": [ "r1016", "r1096", "r1097" ] }, "us-gaap_InterestReceivable": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InterestReceivable", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Assets", "weight": 1.0, "order": 6.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Accrued interest receivable", "documentation": "Carrying amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable." } } }, "auth_ref": [ "r1241", "r1464" ] }, "us-gaap_InternalCreditAssessmentAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InternalCreditAssessmentAxis", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesInformationAboutTotalLoansRatedSpecialMentionSubstandardDoubtfulOrLossForPeriodsNoted.Details", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Internal Credit Assessment [Axis]", "documentation": "Information by entity-defined rating." } } }, "auth_ref": [ "r222", "r223", "r224", "r710", "r1040", "r1041", "r1315" ] }, "us-gaap_InternalCreditAssessmentDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InternalCreditAssessmentDomain", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesInformationAboutTotalLoansRatedSpecialMentionSubstandardDoubtfulOrLossForPeriodsNoted.Details", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "documentation": "Entity defined credit risk rating." } } }, "auth_ref": [] }, "us-gaap_Investments": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "Investments", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Assets", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "totalLabel": "Total investment securities", "label": "Investments", "documentation": "Sum of the carrying amounts as of the balance sheet date of all investments." } } }, "auth_ref": [ "r869", "r870", "r1086", "r1088" ] }, "us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InvestmentsClassifiedByContractualMaturityDateTableTextBlock", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesTables" ], "lang": { "en-us": { "role": { "label": "The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024, by final maturity, are shown below.", "documentation": "Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments." } } }, "auth_ref": [] }, "us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InvestmentsDebtAndEquitySecuritiesAbstract", "lang": { "en-us": { "role": { "label": "Investments, Debt and Equity Securities [Abstract]" } } }, "auth_ref": [] }, "us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_Assets", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative", "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Investment in partnership", "verboseLabel": "Investment in subsidiaries", "documentation": "Amount of investment in equity method investee and investment in and advance to affiliate." } } }, "auth_ref": [ "r1240" ] }, "us-gaap_InvestmentsInDebtAndEquityInstrumentsCashAndCashEquivalentsUnrealizedAndRealizedGainsLossesTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InvestmentsInDebtAndEquityInstrumentsCashAndCashEquivalentsUnrealizedAndRealizedGainsLossesTextBlock", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesTables" ], "lang": { "en-us": { "role": { "label": "The following table presents the unrealized gains (losses) recognized on marketable equity securities for the years indicated:", "documentation": "The entire disclosure for cash, cash equivalents, investments in debt and equity instruments (including cost and equity investees and related income statement amounts), equity and cost method investments, investments in joint ventures and any other investment." } } }, "auth_ref": [ "r759" ] }, "us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock", "presentation": [ "http://westfieldbank.com/role/InvestmentSecurities" ], "lang": { "en-us": { "role": { "label": "INVESTMENT SECURITIES", "documentation": "The entire disclosure for investments in certain debt and equity securities." } } }, "auth_ref": [ "r208", "r260", "r400", "r402", "r755", "r756", "r1442" ] }, "us-gaap_LaborAndRelatedExpense": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LaborAndRelatedExpense", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestExpense", "weight": 1.0, "order": 1.0 }, "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_OperatingExpenses", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Salaries and employee benefits", "documentation": "Amount of expense for salary, wage, profit sharing; incentive and equity-based compensation; and other employee benefit." } } }, "auth_ref": [ "r1246" ] }, "us-gaap_LandMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LandMember", "presentation": [ "http://westfieldbank.com/role/PremisesAndEquipmentAreSummarizedAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Land [Member]", "documentation": "Part of earth's surface not covered by water." } } }, "auth_ref": [ "r1352" ] }, "us-gaap_LeaseholdImprovementsMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LeaseholdImprovementsMember", "presentation": [ "http://westfieldbank.com/role/EstimatedUsefulLivesOfAssetsAreAsFollowsDetails", "http://westfieldbank.com/role/PremisesAndEquipmentAreSummarizedAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Leasehold Improvements [Member]", "documentation": "Additions or improvements to assets held under a lease arrangement." } } }, "auth_ref": [ "r153", "r790" ] }, "dei_LegalEntityAxis": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "LegalEntityAxis", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Legal Entity [Axis]", "documentation": "The set of legal entities associated with a report." } } }, "auth_ref": [] }, "us-gaap_LesseeLeasesPolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LesseeLeasesPolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "verboseLabel": "Leases", "label": "Lessee, Leases [Policy Text Block]", "documentation": "Disclosure of accounting policy for leasing arrangement entered into by lessee." } } }, "auth_ref": [ "r783" ] }, "us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LesseeOperatingLeaseLiabilityMaturityTableTextBlock", "presentation": [ "http://westfieldbank.com/role/LeasesTables" ], "lang": { "en-us": { "role": { "label": "Future undiscounted lease payments for the Company\u2019s operating lease liabilities were as follows (in thousands):", "documentation": "Tabular disclosure of undiscounted cash flows of lessee's operating lease liability. Includes, but is not limited to, reconciliation of undiscounted cash flows to operating lease liability recognized in statement of financial position." } } }, "auth_ref": [ "r1427" ] }, "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LesseeOperatingLeaseLiabilityPaymentsDue", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails" ], "lang": { "en-us": { "role": { "totalLabel": "Total lease payments", "label": "Lessee, Operating Lease, Liability, to be Paid", "documentation": "Amount of lessee's undiscounted obligation for lease payment for operating lease." } } }, "auth_ref": [ "r789" ] }, "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails": { "parentTag": "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue", "weight": 1.0, "order": 6.0 } }, "presentation": [ "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Thereafter", "label": "Lessee, Operating Lease, Liability, to be Paid, after Year Five", "documentation": "Amount of lessee's undiscounted obligation for lease payment for operating lease due after fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r789" ] }, "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails": { "parentTag": "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "2025", "label": "Lessee, Operating Lease, Liability, to be Paid, Year One", "documentation": "Amount of lessee's undiscounted obligation for lease payment for operating lease to be paid in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r789" ] }, "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LesseeOperatingLeaseLiabilityPaymentsDueYearFive", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails": { "parentTag": "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue", "weight": 1.0, "order": 5.0 } }, "presentation": [ "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "2029", "label": "Lessee, Operating Lease, Liability, to be Paid, Year Five", "documentation": "Amount of lessee's undiscounted obligation for lease payment for operating lease to be paid in fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r789" ] }, "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LesseeOperatingLeaseLiabilityPaymentsDueYearFour", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails": { "parentTag": "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue", "weight": 1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "2028", "label": "Lessee, Operating Lease, Liability, to be Paid, Year Four", "documentation": "Amount of lessee's undiscounted obligation for lease payment for operating lease to be paid in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r789" ] }, "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LesseeOperatingLeaseLiabilityPaymentsDueYearThree", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails": { "parentTag": "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "2027", "label": "Lessee, Operating Lease, Liability, to be Paid, Year Three", "documentation": "Amount of lessee's undiscounted obligation for lease payment for operating lease to be paid in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r789" ] }, "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LesseeOperatingLeaseLiabilityPaymentsDueYearTwo", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails": { "parentTag": "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "2026", "label": "Lessee, Operating Lease, Liability, to be Paid, Year Two", "documentation": "Amount of lessee's undiscounted obligation for lease payment for operating lease to be paid in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r789" ] }, "us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LesseeOperatingLeaseLiabilityUndiscountedExcessAmount", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Less imputed interest", "label": "Lessee, Operating Lease, Liability, Undiscounted Excess Amount", "documentation": "Amount of lessee's undiscounted obligation for lease payments in excess of discounted obligation for lease payments for operating lease." } } }, "auth_ref": [ "r789" ] }, "us-gaap_LesseeOperatingLeaseRenewalTerm": { "xbrltype": "durationItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LesseeOperatingLeaseRenewalTerm", "presentation": [ "http://westfieldbank.com/role/LeasesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Operating lease, renewal term", "documentation": "Term of lessee's operating lease renewal, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days." } } }, "auth_ref": [ "r1426" ] }, "us-gaap_LesseeOperatingLeaseTermOfContract": { "xbrltype": "durationItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LesseeOperatingLeaseTermOfContract", "presentation": [ "http://westfieldbank.com/role/LeasesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Operating lease, term of contract", "documentation": "Term of lessee's operating lease, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days." } } }, "auth_ref": [ "r1426" ] }, "us-gaap_LesseeOperatingLeasesTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LesseeOperatingLeasesTextBlock", "presentation": [ "http://westfieldbank.com/role/Leases" ], "lang": { "en-us": { "role": { "label": "LEASES", "documentation": "The entire disclosure for operating leases of lessee. Includes, but is not limited to, description of operating lease and maturity analysis of operating lease liability." } } }, "auth_ref": [ "r777" ] }, "us-gaap_Liabilities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "Liabilities", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_LiabilitiesAndStockholdersEquity", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "totalLabel": "TOTAL LIABILITIES", "label": "Liabilities", "documentation": "Amount of liability recognized for present obligation requiring transfer or otherwise providing economic benefit to others." } } }, "auth_ref": [ "r33", "r109", "r110", "r111", "r114", "r115", "r116", "r119", "r326", "r437", "r500", "r501", "r502", "r503", "r504", "r505", "r506", "r507", "r508", "r699", "r700", "r701", "r763", "r938", "r1023", "r1101", "r1344", "r1432", "r1433" ] }, "us-gaap_LiabilitiesAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LiabilitiesAbstract", "presentation": [ "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Liabilities:", "verboseLabel": "LIABILITIES:" } } }, "auth_ref": [] }, "us-gaap_LiabilitiesAndStockholdersEquity": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LiabilitiesAndStockholdersEquity", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": null, "weight": null, "order": null, "root": true }, "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "totalLabel": "TOTAL LIABILITIES AND SHAREHOLDERS\u2019 EQUITY", "label": "TOTAL LIABILITIES AND EQUITY", "documentation": "Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any." } } }, "auth_ref": [ "r127", "r187", "r879", "r1082", "r1255", "r1307", "r1421" ] }, "us-gaap_LiabilitiesAndStockholdersEquityAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LiabilitiesAndStockholdersEquityAbstract", "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "LIABILITIES AND SHAREHOLDERS\u2019 EQUITY" } } }, "auth_ref": [] }, "us-gaap_LiabilitiesFairValueDisclosureAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LiabilitiesFairValueDisclosureAbstract", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Liabilities:" } } }, "auth_ref": [] }, "us-gaap_LineOfCreditFacilityAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LineOfCreditFacilityAxis", "presentation": [ "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Lender Name [Axis]", "documentation": "Information by name of lender, which may be a single entity (for example, but not limited to, a bank, pension fund, venture capital firm) or a group of entities that participate in the line of credit." } } }, "auth_ref": [ "r108", "r113", "r1254", "r1341", "r1342" ] }, "us-gaap_LineOfCreditFacilityCurrentBorrowingCapacity": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LineOfCreditFacilityCurrentBorrowingCapacity", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Line of credit available", "documentation": "Amount of current borrowing capacity under the credit facility considering any current restrictions on the amount that could be borrowed (for example, borrowings may be limited by the amount of current assets), but without considering any amounts currently outstanding under the facility." } } }, "auth_ref": [ "r108", "r113" ] }, "us-gaap_LineOfCreditFacilityLenderDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LineOfCreditFacilityLenderDomain", "presentation": [ "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "Identification of the lender, which may be a single entity (for example, a bank, pension fund, venture capital firm) or a group of entities that participate in the line of credit, including a letter of credit facility." } } }, "auth_ref": [ "r108", "r113", "r1254", "r1341" ] }, "us-gaap_LineOfCreditMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LineOfCreditMember", "presentation": [ "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Line of Credit [Member]", "documentation": "A contractual arrangement with a lender under which borrowings can be made up to a specific amount at any point in time, and under which borrowings outstanding may be either short-term or long-term, depending upon the particulars." } } }, "auth_ref": [] }, "wneb_LoanCommitmentsMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "LoanCommitmentsMember", "presentation": [ "http://westfieldbank.com/role/FollowingSummarizesTheseFinancialInstrumentsAndOtherCommitmentsAndContingentLiabilitiesAtTheirContractAmountsDetails" ], "lang": { "en-us": { "role": { "label": "Loan Commitments [Member]", "documentation": "Loan Commitments" } } }, "auth_ref": [] }, "wneb_LoanToEmployeeStockOwnershipPlanTrustMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "LoanToEmployeeStockOwnershipPlanTrustMember", "presentation": [ "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails", "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Loan to Employee Stock Ownership Plan Trust [Member]", "documentation": "The member represent loan to employee stock ownership plan trust." } } }, "auth_ref": [] }, "wneb_LoanToValueRatioRequiringPrivateMortgageInsurance": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "LoanToValueRatioRequiringPrivateMortgageInsurance", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Loan-to-value ratio requiring private mortgage insurance", "documentation": "The minimum loan-to-value ratio at loan origination requiring private mortgage insurance." } } }, "auth_ref": [] }, "us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LoansAndLeasesReceivableAllowanceForLoanLossesPolicy", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Allowance for Credit Losses", "documentation": "Disclosure of accounting policy for estimating the allowance for losses on loans and lease receivables. The disclosure may include (a) how the entity determines each element of the allowance, (b) which loans are evaluated individually and which loans are evaluated as a group, (c) how the entity determines both the allocated and unallocated portions of the allowance, (d) how the entity determines the loss factors applied to graded loans in order to develop a general allowance, and (e) what self-correcting mechanism the entity uses to reduce differences between estimated and actual losses." } } }, "auth_ref": [ "r53" ] }, "us-gaap_LoansAndLeasesReceivableCommitmentsFixedRates": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LoansAndLeasesReceivableCommitmentsFixedRates", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Fixed rate commitments", "documentation": "Reflects the amount of cash required to fully fund agreements to provide advances to borrowers and lessees at stated interest rates." } } }, "auth_ref": [ "r105", "r106" ] }, "us-gaap_LoansAndLeasesReceivableCommitmentsVariableRates": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LoansAndLeasesReceivableCommitmentsVariableRates", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Variable rate commitments", "documentation": "Reflects the amount of cash required to fully fund agreements to provide advances to borrowers and lessees at interest rates that increase or decrease depending on certain facts or circumstances." } } }, "auth_ref": [ "r105", "r106" ] }, "us-gaap_LoansAndLeasesReceivableRelatedParties": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LoansAndLeasesReceivableRelatedParties", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingIsSummaryOfActivityForSuchLoansDetails" ], "lang": { "en-us": { "role": { "periodStartLabel": "Balance at beginning of year", "periodEndLabel": "Balance at end of year", "label": "Loans and Leases Receivable, Related Parties", "documentation": "For an unclassified balance sheet, reflects the carrying amount of unpaid loan amounts due from related parties at the balance sheet date." } } }, "auth_ref": [ "r99", "r189" ] }, "us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LoansAndLeasesReceivableRelatedPartiesAdditions", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingIsSummaryOfActivityForSuchLoansDetails" ], "lang": { "en-us": { "role": { "label": "Principal distributions", "documentation": "Reflects the amount of new advances made to related parties in the form of loan and lease receivables." } } }, "auth_ref": [ "r99", "r189" ] }, "wneb_LoansAndLeasesReceivableRelatedPartiesChangeInRelatedPartyStatus": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "LoansAndLeasesReceivableRelatedPartiesChangeInRelatedPartyStatus", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/FollowingIsSummaryOfActivityForSuchLoansDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Change in related party status", "documentation": "Amount of change in related party status which reduces (increases) the amount of loans and leases receivable due from related parties.", "label": "Loans and Leases Receivable, Related Parties, Change in Related Party Status" } } }, "auth_ref": [] }, "us-gaap_LoansAndLeasesReceivableRelatedPartiesProceeds": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LoansAndLeasesReceivableRelatedPartiesProceeds", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/FollowingIsSummaryOfActivityForSuchLoansDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Repayments of principal", "label": "Loans and Leases Receivable, Related Parties, Proceeds", "documentation": "Amount of cash inflow from related parties which reduce the amount of loans and leases receivable due from related parties." } } }, "auth_ref": [ "r255", "r1247" ] }, "us-gaap_LoansMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LoansMember", "presentation": [ "http://westfieldbank.com/role/AsOfDecember312023FollowingAmountsWereRecordedOnBalanceSheetRelatedToCumulativeBasisAdjustmentOfFairValueHedgesDetails" ], "lang": { "en-us": { "role": { "label": "Loans [Member]", "documentation": "When a lender gives money or property over other debt securities sold by the issuer. In the event the issuer goes bankrupt, senior debt holders receive priority for [must receive] repayment [prior] relative to junior and unsecured (general) creditors." } } }, "auth_ref": [ "r1021", "r1084" ] }, "us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LoansNotesTradeAndOtherReceivablesDisclosureTextBlock", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLosses" ], "lang": { "en-us": { "role": { "label": "LOANS AND ALLOWANCE FOR CREDIT LOSSES", "documentation": "The entire disclosure for claims held for amounts due to entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses." } } }, "auth_ref": [ "r772", "r1271" ] }, "us-gaap_LoansReceivableFairValueDisclosure": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LoansReceivableFairValueDisclosure", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Loans - net", "documentation": "Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts." } } }, "auth_ref": [ "r1420" ] }, "dei_LocalPhoneNumber": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "LocalPhoneNumber", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Local Phone Number", "documentation": "Local phone number for entity." } } }, "auth_ref": [] }, "us-gaap_LongTermDebt": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LongTermDebt", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "verboseLabel": "Long-term debt", "label": "Long-Term Debt", "documentation": "Amount, after deduction of unamortized premium (discount) and debt issuance cost, of long-term debt. Excludes lease obligation." } } }, "auth_ref": [ "r33", "r185", "r516", "r526", "r1047", "r1048", "r1080", "r1450" ] }, "us-gaap_LongTermDebtFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LongTermDebtFairValue", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Long-term debt", "label": "Long-Term Debt, Fair Value", "documentation": "The fair value amount of long-term debt whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission." } } }, "auth_ref": [ "r1405", "r1407", "r1408", "r1409" ] }, "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails": { "parentTag": "wneb_EmployeeStockOwnershipPlanESOPDebtStructureLoanAmount", "weight": 1.0, "order": 6.0 } }, "presentation": [ "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Thereafter", "documentation": "Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing after fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r16", "r329", "r1350" ] }, "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails": { "parentTag": "wneb_EmployeeStockOwnershipPlanESOPDebtStructureLoanAmount", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "2024", "label": "Long-Term Debt, Maturity, Year One", "documentation": "Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r16", "r329", "r520" ] }, "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails": { "parentTag": "wneb_EmployeeStockOwnershipPlanESOPDebtStructureLoanAmount", "weight": 1.0, "order": 5.0 } }, "presentation": [ "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "2028", "label": "Long-Term Debt, Maturity, Year Five", "documentation": "Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r16", "r329", "r520" ] }, "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails": { "parentTag": "wneb_EmployeeStockOwnershipPlanESOPDebtStructureLoanAmount", "weight": 1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "2027", "label": "Long-Term Debt, Maturity, Year Four", "documentation": "Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r16", "r329", "r520" ] }, "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails": { "parentTag": "wneb_EmployeeStockOwnershipPlanESOPDebtStructureLoanAmount", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "2026", "label": "Long-Term Debt, Maturity, Year Three", "documentation": "Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r16", "r329", "r520" ] }, "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails": { "parentTag": "wneb_EmployeeStockOwnershipPlanESOPDebtStructureLoanAmount", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "2025", "label": "Long-Term Debt, Maturity, Year Two", "documentation": "Amount of long-term debt payable, sinking fund requirement, and other securities issued that are redeemable by holder at fixed or determinable price and date, maturing in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r16", "r329", "r520" ] }, "us-gaap_LongTermDebtMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LongTermDebtMember", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Long-Term Debt [Member]", "documentation": "Debt arrangement having an initial term longer than one year or beyond the normal operating cycle, if longer." } } }, "auth_ref": [] }, "us-gaap_LongTermDebtTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LongTermDebtTextBlock", "presentation": [ "http://westfieldbank.com/role/Long-termDebt" ], "lang": { "en-us": { "role": { "label": "LONG-TERM DEBT", "documentation": "The entire disclosure for long-term debt." } } }, "auth_ref": [ "r156" ] }, "wneb_LongTermIncentiveProgramCurrent2021Member": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "LongTermIncentiveProgramCurrent2021Member", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "LTI Plan for 2021 [Member]", "documentation": "Name of the equity-based compensation arrangement plan." } } }, "auth_ref": [] }, "wneb_LongTermIncentiveProgramCurrent2022Member": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "LongTermIncentiveProgramCurrent2022Member", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2022LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "LTI Plan for 2022 [Member]", "documentation": "Name of the equity-based compensation arrangement plan." } } }, "auth_ref": [] }, "wneb_LongTermIncentiveProgramCurrent2023Member": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "LongTermIncentiveProgramCurrent2023Member", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2023LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "LTI Plan for 2023 [Member]", "documentation": "Name of the equity-based compensation arrangement plan." } } }, "auth_ref": [] }, "wneb_LongTermIncentiveProgramCurrent2024Member": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "LongTermIncentiveProgramCurrent2024Member", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2024LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "LTI Plan for 2024 [Member]", "documentation": "Name of the equity-based compensation arrangement plan." } } }, "auth_ref": [] }, "us-gaap_LongtermDebtTypeAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LongtermDebtTypeAxis", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Long-Term Debt, Type [Axis]", "documentation": "Information by type of long-term debt." } } }, "auth_ref": [ "r33", "r1335", "r1336", "r1337" ] }, "us-gaap_LongtermDebtTypeDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "LongtermDebtTypeDomain", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "Type of long-term debt arrangement, such as notes, line of credit, commercial paper, asset-based financing, project financing, letter of credit financing. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the company, if longer." } } }, "auth_ref": [ "r33", "r57", "r1335", "r1336", "r1337" ] }, "us-gaap_MarketableSecuritiesLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "MarketableSecuritiesLineItems", "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details", "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Marketable Securities [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [] }, "us-gaap_MarketableSecuritiesTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "MarketableSecuritiesTable", "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details", "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Marketable Securities [Table]", "documentation": "Disclosure of information about investment in marketable security." } } }, "auth_ref": [] }, "us-gaap_MarketableSecuritiesTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "MarketableSecuritiesTextBlock", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesTables" ], "lang": { "en-us": { "role": { "label": "The following tables summarize the amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024 and December 31, 2023", "documentation": "Tabular disclosure of marketable securities. This may consist of investments in certain debt and equity securities, short-term investments and other assets." } } }, "auth_ref": [] }, "cyd_MaterialCybersecurityIncidentAbstract": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "MaterialCybersecurityIncidentAbstract", "lang": { "en-us": { "role": { "label": "Material Cybersecurity Incident [Abstract]" } } }, "auth_ref": [ "r1149", "r1150" ] }, "cyd_MaterialCybersecurityIncidentInformationNotAvailableOrUndeterminedTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "MaterialCybersecurityIncidentInformationNotAvailableOrUndeterminedTextBlock", "presentation": [ "http://xbrl.sec.gov/cyd/role/MaterialCybersecurityIncidentDisclosure" ], "lang": { "en-us": { "role": { "label": "Material Cybersecurity Incident Information Not Available or Undetermined [Text Block]" } } }, "auth_ref": [ "r1149", "r1151" ] }, "cyd_MaterialCybersecurityIncidentMaterialImpactOrReasonablyLikelyMaterialImpactTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "MaterialCybersecurityIncidentMaterialImpactOrReasonablyLikelyMaterialImpactTextBlock", "presentation": [ "http://xbrl.sec.gov/cyd/role/MaterialCybersecurityIncidentDisclosure" ], "lang": { "en-us": { "role": { "label": "Material Cybersecurity Incident Material Impact or Reasonably Likely Material Impact [Text Block]" } } }, "auth_ref": [ "r1149", "r1152" ] }, "cyd_MaterialCybersecurityIncidentNatureTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "MaterialCybersecurityIncidentNatureTextBlock", "presentation": [ "http://xbrl.sec.gov/cyd/role/MaterialCybersecurityIncidentDisclosure" ], "lang": { "en-us": { "role": { "label": "Material Cybersecurity Incident Nature [Text Block]" } } }, "auth_ref": [ "r1149", "r1152" ] }, "cyd_MaterialCybersecurityIncidentScopeTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "MaterialCybersecurityIncidentScopeTextBlock", "presentation": [ "http://xbrl.sec.gov/cyd/role/MaterialCybersecurityIncidentDisclosure" ], "lang": { "en-us": { "role": { "label": "Material Cybersecurity Incident Scope [Text Block]" } } }, "auth_ref": [ "r1149", "r1152" ] }, "cyd_MaterialCybersecurityIncidentTimingTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/cyd/2024", "localname": "MaterialCybersecurityIncidentTimingTextBlock", "presentation": [ "http://xbrl.sec.gov/cyd/role/MaterialCybersecurityIncidentDisclosure" ], "lang": { "en-us": { "role": { "label": "Material Cybersecurity Incident Timing [Text Block]" } } }, "auth_ref": [ "r1149", "r1152" ] }, "srt_MaximumMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "MaximumMember", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative", "http://westfieldbank.com/role/EstimatedUsefulLivesOfAssetsAreAsFollowsDetails", "http://westfieldbank.com/role/LeasesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Maximum [Member]", "documentation": "Upper limit of the provided range." } } }, "auth_ref": [ "r270", "r271", "r272", "r273", "r274", "r280", "r281", "r493", "r494", "r495", "r496", "r605", "r643", "r740", "r841", "r895", "r896", "r909", "r929", "r930", "r985", "r987", "r988", "r989", "r1002", "r1012", "r1013", "r1033", "r1051", "r1062", "r1073", "r1074", "r1078", "r1079", "r1085", "r1348", "r1434", "r1435", "r1436", "r1437", "r1438", "r1439" ] }, "ecd_MeasureAxis": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "MeasureAxis", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Measure [Axis]" } } }, "auth_ref": [ "r1169" ] }, "ecd_MeasureName": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "MeasureName", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Name" } } }, "auth_ref": [ "r1169" ] }, "srt_MinimumMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "MinimumMember", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative", "http://westfieldbank.com/role/EstimatedUsefulLivesOfAssetsAreAsFollowsDetails", "http://westfieldbank.com/role/LeasesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Minimum [Member]", "documentation": "Lower limit of the provided range." } } }, "auth_ref": [ "r270", "r271", "r272", "r273", "r274", "r280", "r281", "r493", "r494", "r495", "r496", "r605", "r643", "r740", "r841", "r895", "r896", "r909", "r929", "r930", "r985", "r987", "r988", "r989", "r1002", "r1012", "r1013", "r1033", "r1051", "r1062", "r1073", "r1074", "r1078", "r1085", "r1348", "r1434", "r1435", "r1436", "r1437", "r1438", "r1439" ] }, "wneb_MinimumWorkingHoursNeededForEligibility": { "xbrltype": "integerItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "MinimumWorkingHoursNeededForEligibility", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Minimum working hours needed for eligibility", "documentation": "Minimum working hours needed for eligibility." } } }, "auth_ref": [] }, "ecd_MnpiDiscTimedForCompValFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "MnpiDiscTimedForCompValFlag", "presentation": [ "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" ], "lang": { "en-us": { "role": { "label": "MNPI Disclosure Timed for Compensation Value" } } }, "auth_ref": [ "r1189" ] }, "us-gaap_MortgageBackedSecuritiesMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "MortgageBackedSecuritiesMember", "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Collateralized Mortgage-Backed Securities [Member]", "documentation": "Securities collateralized by mortgage loans." } } }, "auth_ref": [ "r1052", "r1053", "r1054", "r1283", "r1288", "r1292", "r1294", "r1301", "r1453" ] }, "wneb_MortgageBackedSecuritiesPolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "MortgageBackedSecuritiesPolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Securities and Mortgage-Backed Securities", "documentation": "Disclosure of accounting policy for mortgage backed securities." } } }, "auth_ref": [] }, "wneb_MortgageLoansServicedThirdPartyAtPeriodEnd": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "MortgageLoansServicedThirdPartyAtPeriodEnd", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Mortgage loans serviced for others", "documentation": "Third party mortgage loans serviced at period end." } } }, "auth_ref": [] }, "ecd_MtrlTermsOfTrdArrTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "MtrlTermsOfTrdArrTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" ], "lang": { "en-us": { "role": { "label": "Material Terms of Trading Arrangement" } } }, "auth_ref": [ "r1197" ] }, "ecd_NamedExecutiveOfficersFnTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "NamedExecutiveOfficersFnTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Named Executive Officers, Footnote" } } }, "auth_ref": [ "r1170" ] }, "us-gaap_NatureOfOperations": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NatureOfOperations", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Nature of Operations and Basis of Presentation", "documentation": "The entire disclosure for the nature of an entity's business, major products or services, principal markets including location, and the relative importance of its operations in each business and the basis for the determination, including but not limited to, assets, revenues, or earnings. For an entity that has not commenced principal operations, disclosures about the risks and uncertainties related to the activities in which the entity is currently engaged and an understanding of what those activities are being directed toward." } } }, "auth_ref": [ "r243", "r256" ] }, "wneb_NetAmortizationOfPremiumsOnSubordinatedDebt": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "NetAmortizationOfPremiumsOnSubordinatedDebt", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Net amortization of premiums on subordinated debt", "documentation": "Net amortization of premiums on subordinated debt.", "label": "Net amortization of premiums on subordinated debt [Default Label]" } } }, "auth_ref": [] }, "us-gaap_NetCashProvidedByUsedInFinancingActivities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NetCashProvidedByUsedInFinancingActivities", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "totalLabel": "Net cash provided by (used in) financing activities", "label": "Net Cash Provided by (Used in) Financing Activities", "documentation": "Amount of cash inflow (outflow) from financing activities, including discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit." } } }, "auth_ref": [ "r323" ] }, "us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NetCashProvidedByUsedInFinancingActivitiesAbstract", "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "CASH FLOWS FROM FINANCING ACTIVITIES:", "verboseLabel": "FINANCING ACTIVITIES:" } } }, "auth_ref": [] }, "us-gaap_NetCashProvidedByUsedInInvestingActivities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NetCashProvidedByUsedInInvestingActivities", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect", "weight": 1.0, "order": 2.0 }, "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "totalLabel": "Net cash used in investing activities", "label": "Net Cash Provided by (Used in) Investing Activities", "documentation": "Amount of cash inflow (outflow) from investing activities, including discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets." } } }, "auth_ref": [ "r323" ] }, "us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NetCashProvidedByUsedInInvestingActivitiesAbstract", "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "CASH FLOWS FROM INVESTING ACTIVITIES:", "verboseLabel": "INVESTING ACTIVITIES:" } } }, "auth_ref": [] }, "us-gaap_NetCashProvidedByUsedInOperatingActivities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NetCashProvidedByUsedInOperatingActivities", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect", "weight": 1.0, "order": 1.0 }, "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "totalLabel": "Net cash provided by operating activities", "label": "Net Cash Provided by (Used in) Operating Activities", "documentation": "Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities." } } }, "auth_ref": [ "r143", "r144", "r147" ] }, "us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NetCashProvidedByUsedInOperatingActivitiesAbstract", "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "CASH FLOWS FROM OPERATING ACTIVITIES:", "verboseLabel": "OPERATING ACTIVITIES:" } } }, "auth_ref": [] }, "wneb_NetChangeInCashDueToBroker": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "NetChangeInCashDueToBroker", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Net change in due to broker for common stock repurchased", "documentation": "Amount of net change in cash due to broker." } } }, "auth_ref": [] }, "wneb_NetCostToServiceLoans": { "xbrltype": "decimalItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "NetCostToServiceLoans", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Net cost to service loans", "documentation": "It represents cost to service loans." } } }, "auth_ref": [] }, "us-gaap_NetIncomeLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NetIncomeLoss", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome": { "parentTag": "us-gaap_ComprehensiveIncomeNetOfTax", "weight": 1.0, "order": 1.0 }, "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0, "order": 1.0 }, "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows", "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity", "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome", "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails", "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details", "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "totalLabel": "Net income", "label": "Net income", "verboseLabel": "Net Income (Loss)", "terseLabel": "Net income applicable to common stock", "documentation": "The portion of profit or loss for the period, net of income taxes, which is attributable to the parent." } } }, "auth_ref": [ "r135", "r147", "r199", "r288", "r308", "r311", "r316", "r326", "r336", "r340", "r341", "r342", "r343", "r344", "r347", "r348", "r357", "r437", "r500", "r501", "r502", "r503", "r504", "r505", "r506", "r507", "r508", "r688", "r697", "r734", "r763", "r884", "r959", "r978", "r979", "r1099", "r1344" ] }, "wneb_NetUnrealizedLossesOnAvailableforsaleSecuritiesNetOfTax": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "NetUnrealizedLossesOnAvailableforsaleSecuritiesNetOfTax", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails": { "parentTag": "us-gaap_TierOneRiskBasedCapital", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails" ], "lang": { "en-us": { "role": { "label": "Net unrealized losses on available-for-sale securities, net of tax", "documentation": "Net Unrealized Losses On Available-for-sale Securities Net Of Tax." } } }, "auth_ref": [] }, "us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NewAccountingPronouncementsPolicyPolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Recent Accounting Pronouncements", "documentation": "Disclosure of accounting policy pertaining to new accounting pronouncements that may impact the entity's financial reporting. Includes, but is not limited to, quantification of the expected or actual impact." } } }, "auth_ref": [] }, "dei_NoTradingSymbolFlag": { "xbrltype": "trueItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "NoTradingSymbolFlag", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "No Trading Symbol Flag", "documentation": "Boolean flag that is true only for a security having no trading symbol." } } }, "auth_ref": [] }, "ecd_NonGaapMeasureDescriptionTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "NonGaapMeasureDescriptionTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Non-GAAP Measure Description" } } }, "auth_ref": [ "r1169" ] }, "wneb_NonMarketableSecuritiesPolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "NonMarketableSecuritiesPolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Non-marketable Equity Securities", "documentation": "Disclosure of accounting policy for non marketable securities." } } }, "auth_ref": [] }, "wneb_NonMarketableSecuritiesUnrealizedGainLoss": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "NonMarketableSecuritiesUnrealizedGainLoss", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0, "order": 8.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details" ], "lang": { "en-us": { "role": { "label": "Gain on non-marketable equity investments", "documentation": "Gain (loss) on non-marketable equity investments." } } }, "auth_ref": [] }, "wneb_NonOwnerOccupiedMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "NonOwnerOccupiedMember", "presentation": [ "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Non Owner Occupied [Member]", "documentation": "The element represents non owner occupied member." } } }, "auth_ref": [] }, "ecd_NonPeoNeoAvgCompActuallyPaidAmt": { "xbrltype": "monetaryItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "NonPeoNeoAvgCompActuallyPaidAmt", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Non-PEO NEO Average Compensation Actually Paid Amount" } } }, "auth_ref": [ "r1167" ] }, "ecd_NonPeoNeoAvgTotalCompAmt": { "xbrltype": "monetaryItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "NonPeoNeoAvgTotalCompAmt", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Non-PEO NEO Average Total Compensation Amount" } } }, "auth_ref": [ "r1166" ] }, "ecd_NonRule10b51ArrAdoptedFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "NonRule10b51ArrAdoptedFlag", "presentation": [ "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" ], "lang": { "en-us": { "role": { "label": "Non-Rule 10b5-1 Arrangement Adopted" } } }, "auth_ref": [ "r1197" ] }, "ecd_NonRule10b51ArrTrmntdFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "NonRule10b51ArrTrmntdFlag", "presentation": [ "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" ], "lang": { "en-us": { "role": { "label": "Non-Rule 10b5-1 Arrangement Terminated" } } }, "auth_ref": [ "r1197" ] }, "us-gaap_NoncashInvestingAndFinancingItemsAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NoncashInvestingAndFinancingItemsAbstract", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Supplemental cash flow information:" } } }, "auth_ref": [] }, "us-gaap_NondesignatedMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NondesignatedMember", "presentation": [ "http://westfieldbank.com/role/TablesBelowPresentFairValueOfOurDerivativeFinancialInstrumentsDesignatedAsHedgingAndNon-hedgingInstrumentsAsWellAsOurClassificationOnBalanceSheetAsOfDecember312024AndDecember312023.Details" ], "lang": { "en-us": { "role": { "label": "Not Designated as Hedging Instrument [Member]", "documentation": "Derivative instrument not designated as hedging instrument under Generally Accepted Accounting Principles (GAAP)." } } }, "auth_ref": [ "r26" ] }, "us-gaap_NoninterestBearingDepositLiabilities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NoninterestBearingDepositLiabilities", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Deposits", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Non-interest-bearing deposits", "documentation": "The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity." } } }, "auth_ref": [ "r179" ] }, "us-gaap_NoninterestBearingDomesticDepositDemand": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NoninterestBearingDomesticDepositDemand", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails": { "parentTag": "wneb_TotalCoreDeposits", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Demand deposit accounts", "documentation": "Amount of money in noninterest-bearing domestic accounts that entitle the depositor to withdraw funds at any time without prior notice, also known as demand deposits." } } }, "auth_ref": [ "r179" ] }, "us-gaap_NoninterestExpense": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NoninterestExpense", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest", "weight": -1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details" ], "lang": { "en-us": { "role": { "totalLabel": "Total non-interest expense", "label": "Non-interest expense", "documentation": "Total aggregate amount of all noninterest expense." } } }, "auth_ref": [ "r196" ] }, "us-gaap_NoninterestExpenseAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NoninterestExpenseAbstract", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Non-interest expense:" } } }, "auth_ref": [] }, "us-gaap_NoninterestIncome": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NoninterestIncome", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details" ], "lang": { "en-us": { "role": { "totalLabel": "Total non-interest income", "label": "Non-interest income", "documentation": "The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified." } } }, "auth_ref": [ "r194" ] }, "us-gaap_NoninterestIncomeAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NoninterestIncomeAbstract", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Non-interest income:" } } }, "auth_ref": [] }, "us-gaap_NoninterestIncomeOther": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NoninterestIncomeOther", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details" ], "lang": { "en-us": { "role": { "label": "Other non-interest income", "documentation": "Represents the total of noninterest income derived from certain activities and assets including (for example): (1) venture capital investments; (2) bank owned life insurance; (3) foreign currency transactions; and (4) mortgage servicing rights." } } }, "auth_ref": [ "r194" ] }, "us-gaap_NoninterestIncomeOtherOperatingIncome": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NoninterestIncomeOtherOperatingIncome", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_Revenues", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Other income", "label": "Noninterest Income, Other Operating Income", "documentation": "Amount of revenue earned, classified as other, excluding interest income." } } }, "auth_ref": [ "r133", "r194" ] }, "us-gaap_NonperformingFinancingReceivableMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NonperformingFinancingReceivableMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Nonperforming Financial Instruments [Member]", "documentation": "Category status of financial instruments in which payments are past due in accordance with the terms of the contract. Financial instruments include, but are not limited to, financing receivables, loans, debt, and investments." } } }, "auth_ref": [ "r222", "r223", "r224", "r1315" ] }, "us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NonvestedRestrictedStockSharesActivityTableTextBlock", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanTables" ], "lang": { "en-us": { "role": { "label": "A summary of the status of unvested restricted stock awards at December 31, 2024 and 2023 is presented below:", "documentation": "Tabular disclosure of the changes in outstanding nonvested restricted stock shares." } } }, "auth_ref": [ "r31" ] }, "wneb_NotGuaranteedByGovernmentAgenciesMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "NotGuaranteedByGovernmentAgenciesMember", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Not guaranteed by government agencies [Member]", "documentation": "Not guaranteed by government agencies." } } }, "auth_ref": [] }, "wneb_NumberOfBankingOfficesInWhichBankOperates": { "xbrltype": "integerItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "NumberOfBankingOfficesInWhichBankOperates", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Number of banking offices in which bank operates", "documentation": "Number of branches the bank operates by location." } } }, "auth_ref": [] }, "us-gaap_NumberOfReportableSegments": { "xbrltype": "integerItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "NumberOfReportableSegments", "presentation": [ "http://westfieldbank.com/role/SegmentDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Number of reportable segments", "documentation": "Number of segments reported by the entity. A reportable segment is a component of an entity for which there is an accounting requirement to report separate financial information on that component in the entity's financial statements." } } }, "auth_ref": [ "r1025", "r1032", "r1266" ] }, "wneb_NumberOfSharesSoldInIPO": { "xbrltype": "sharesItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "NumberOfSharesSoldInIPO", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Number of shares sold In IPO", "documentation": "Number of shares sold in IPO." } } }, "auth_ref": [] }, "us-gaap_OccupancyNet": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OccupancyNet", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestExpense", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Occupancy", "documentation": "Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense." } } }, "auth_ref": [ "r136", "r195", "r237" ] }, "us-gaap_OffBalanceSheetCreditLossLiability": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OffBalanceSheetCreditLossLiability", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails" ], "lang": { "en-us": { "role": { "periodStartLabel": "Beginning balance", "periodEndLabel": "Ending balance", "label": "Off-Balance-Sheet, Credit Loss, Liability", "documentation": "Amount of expected credit loss for credit exposure on off-balance-sheet commitment, including but not limited to, loan commitment, standby letter of credit, financial guarantee not accounted for as insurance. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging." } } }, "auth_ref": [ "r449", "r497" ] }, "us-gaap_OffBalanceSheetCreditLossLiabilityAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OffBalanceSheetCreditLossLiabilityAbstract", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Allowance for credit losses for off-balance sheet exposures" } } }, "auth_ref": [] }, "us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Provision (reversal) for credit losses", "verboseLabel": "(Reversal of) reserves on unfunded loan commitments", "documentation": "Amount of expense (reversal of expense) for expected credit loss for off-balance sheet credit exposure. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging." } } }, "auth_ref": [ "r453" ] }, "us-gaap_OperatingExpenses": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OperatingExpenses", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails": { "parentTag": "wneb_IncomeBeforeEquityInUndistributedIncomeOfSubsidiariesAndIncomeTaxes", "weight": -1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "totalLabel": "Total operating expense", "label": "Operating Expenses", "documentation": "Generally recurring costs associated with normal operations except for the portion of these expenses which can be clearly related to production and included in cost of sales or services. Includes selling, general and administrative expense." } } }, "auth_ref": [] }, "us-gaap_OperatingExpensesAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OperatingExpensesAbstract", "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "OPERATING EXPENSE:" } } }, "auth_ref": [] }, "us-gaap_OperatingLeaseCost": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OperatingLeaseCost", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/LeasesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Operating lease cost", "documentation": "Amount of single lease cost, calculated by allocation of remaining cost of lease over remaining lease term. Includes, but is not limited to, single lease cost, after impairment of right-of-use asset, calculated by amortization of remaining right-of-use asset and accretion of lease liability." } } }, "auth_ref": [ "r784", "r1081" ] }, "us-gaap_OperatingLeaseLiability": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OperatingLeaseLiability", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/FutureUndiscountedLeasePaymentsForCompanysOperatingLeaseLiabilitiesWereAsFollowsInThousandsDetails", "http://westfieldbank.com/role/SupplementalBalanceSheetInformationRelatedToLeasesWasAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Operating lease liabilities", "verboseLabel": "Total", "documentation": "Present value of lessee's discounted obligation for lease payments from operating lease." } } }, "auth_ref": [ "r780" ] }, "us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList": { "xbrltype": "enumerationSetItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]", "documentation": "Indicates line item in statement of financial position that includes operating lease liability." } } }, "auth_ref": [ "r781" ] }, "us-gaap_OperatingLeasePayments": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OperatingLeasePayments", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/SupplementalCashFlowInformationRelatedToLeasesWasAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Operating cash flows from operating leases", "documentation": "Amount of cash outflow from operating lease, excluding payments to bring another asset to condition and location necessary for its intended use." } } }, "auth_ref": [ "r782", "r785" ] }, "us-gaap_OperatingLeaseRightOfUseAsset": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OperatingLeaseRightOfUseAsset", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/SupplementalBalanceSheetInformationRelatedToLeasesWasAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Operating lease ROU assets", "documentation": "Amount of lessee's right to use underlying asset under operating lease." } } }, "auth_ref": [ "r779" ] }, "us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList": { "xbrltype": "enumerationSetItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]", "documentation": "Indicates line item in statement of financial position that includes operating lease right-of-use asset." } } }, "auth_ref": [ "r781" ] }, "us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OperatingLeaseWeightedAverageDiscountRatePercent", "presentation": [ "http://westfieldbank.com/role/LeasesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Weighted average discount rate", "documentation": "Weighted average discount rate for operating lease calculated at point in time." } } }, "auth_ref": [ "r788", "r1081" ] }, "us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1": { "xbrltype": "durationItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OperatingLeaseWeightedAverageRemainingLeaseTerm1", "presentation": [ "http://westfieldbank.com/role/LeasesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Weighted average remaining lease term", "documentation": "Weighted average remaining lease term for operating lease, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days." } } }, "auth_ref": [ "r787", "r1081" ] }, "us-gaap_OtherAssets": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherAssets", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_Assets", "weight": 1.0, "order": 4.0 }, "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Assets", "weight": 1.0, "order": 11.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Other assets", "documentation": "Amount of assets classified as other." } } }, "auth_ref": [ "r177", "r293", "r872", "r1029", "r1101" ] }, "us-gaap_OtherBorrowings": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherBorrowings", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Other Borrowings", "documentation": "The carrying amount as of the balance sheet date for the aggregate of other miscellaneous borrowings owed by the reporting entity." } } }, "auth_ref": [ "r181", "r185" ] }, "wneb_OtherBorrowingsMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "OtherBorrowingsMember", "presentation": [ "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Other Borrowings [Member]", "documentation": "Other Borrowings." } } }, "auth_ref": [] }, "us-gaap_OtherCommitment": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherCommitment", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Vendor contract payable", "documentation": "Minimum amount of other commitment not otherwise specified in the taxonomy. Excludes commitments explicitly modeled in the taxonomy, including but not limited to, long-term and short-term purchase commitments, recorded and unrecorded purchase obligations, supply commitments, registration payment arrangements, leases, debt, product warranties, guarantees, environmental remediation obligations, and pensions." } } }, "auth_ref": [] }, "us-gaap_OtherCommitmentDueInNextTwelveMonths": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherCommitmentDueInNextTwelveMonths", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Vendor contract payable within one year", "documentation": "Amount of commitment classified as other to be paid in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [] }, "wneb_OtherCommitmentDueInSecondThroughThirdYear": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "OtherCommitmentDueInSecondThroughThirdYear", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Vendor contract payable within the next three years", "documentation": "Amount of commitment classified as other to be paid in second through third fiscal years following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [] }, "us-gaap_OtherCommitmentsAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherCommitmentsAxis", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative", "http://westfieldbank.com/role/FollowingSummarizesTheseFinancialInstrumentsAndOtherCommitmentsAndContingentLiabilitiesAtTheirContractAmountsDetails" ], "lang": { "en-us": { "role": { "label": "Other Commitments [Axis]", "documentation": "Information by type of other commitment." } } }, "auth_ref": [] }, "us-gaap_OtherCommitmentsDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherCommitmentsDomain", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative", "http://westfieldbank.com/role/FollowingSummarizesTheseFinancialInstrumentsAndOtherCommitmentsAndContingentLiabilitiesAtTheirContractAmountsDetails" ], "lang": { "en-us": { "role": { "documentation": "Other future obligation." } } }, "auth_ref": [] }, "us-gaap_OtherCommitmentsLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherCommitmentsLineItems", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative", "http://westfieldbank.com/role/FollowingSummarizesTheseFinancialInstrumentsAndOtherCommitmentsAndContingentLiabilitiesAtTheirContractAmountsDetails" ], "lang": { "en-us": { "role": { "label": "Other Commitments [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [] }, "us-gaap_OtherCommitmentsTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherCommitmentsTable", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative", "http://westfieldbank.com/role/FollowingSummarizesTheseFinancialInstrumentsAndOtherCommitmentsAndContingentLiabilitiesAtTheirContractAmountsDetails" ], "lang": { "en-us": { "role": { "label": "Other Commitments [Table]", "documentation": "Disclosure of information about obligations resulting from other commitments." } } }, "auth_ref": [] }, "us-gaap_OtherCommitmentsTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherCommitmentsTableTextBlock", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesTables" ], "lang": { "en-us": { "role": { "label": "The following summarizes these financial instruments and other commitments and contingent liabilities at their contract amounts:", "documentation": "Tabular disclosure of information about obligations resulting from other commitments." } } }, "auth_ref": [] }, "us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome" ], "lang": { "en-us": { "role": { "label": "Securities available-for-sale:" } } }, "auth_ref": [] }, "us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome" ], "lang": { "en-us": { "role": { "label": "Defined benefit pension plan:" } } }, "auth_ref": [] }, "us-gaap_OtherComprehensiveIncomeFinalizationOfPensionAndNonPensionPostretirementPlanValuationTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeFinalizationOfPensionAndNonPensionPostretirementPlanValuationTax", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncomeParenthetical" ], "lang": { "en-us": { "role": { "label": "Income tax effects associated with reclassification of defined benefit plan termination", "documentation": "Amount of tax expense (benefit) for increase (decrease) to other comprehensive income from settlement and curtailment gain (loss) of defined benefit plan." } } }, "auth_ref": [ "r8", "r168" ] }, "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome": { "parentTag": "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome" ], "lang": { "en-us": { "role": { "totalLabel": "Net amount", "label": "OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, before Tax", "documentation": "Amount, before tax and after adjustment, of unrealized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale) and unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale." } } }, "auth_ref": [ "r301", "r302", "r304", "r885" ] }, "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome": { "parentTag": "us-gaap_OtherComprehensiveIncomeLossNetOfTax", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome" ], "lang": { "en-us": { "role": { "totalLabel": "Net-of-tax amount", "label": "OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment and Tax", "documentation": "Amount, after tax and adjustment, of unrealized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale) and unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale." } } }, "auth_ref": [ "r301", "r302", "r304", "r885" ] }, "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome": { "parentTag": "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax", "weight": -1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome" ], "lang": { "en-us": { "role": { "negatedLabel": "Tax effect", "label": "OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, Tax", "documentation": "Amount, after adjustment, of tax expense (benefit) for unrealized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale) and tax expense (benefit) for unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale." } } }, "auth_ref": [ "r301", "r302", "r305" ] }, "us-gaap_OtherComprehensiveIncomeLossFinalizationOfPensionAndNonPensionPostretirementPlanValuationBeforeTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeLossFinalizationOfPensionAndNonPensionPostretirementPlanValuationBeforeTax", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome": { "parentTag": "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax", "weight": -1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome" ], "lang": { "en-us": { "role": { "label": "Reclassification adjustment for amounts realized in income", "documentation": "Amount, before tax, of increase (decrease) to other comprehensive income from settlement and curtailment gain (loss) of defined benefit plan." } } }, "auth_ref": [ "r10", "r132", "r160" ] }, "us-gaap_OtherComprehensiveIncomeLossNetOfTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeLossNetOfTax", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome": { "parentTag": "us-gaap_ComprehensiveIncomeNetOfTax", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity", "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome" ], "lang": { "en-us": { "role": { "label": "Other comprehensive income (loss)", "verboseLabel": "Comprehensive income (loss)", "documentation": "Amount after tax and reclassification adjustments of other comprehensive income (loss)." } } }, "auth_ref": [ "r25", "r32", "r309", "r312", "r318", "r344", "r764", "r765", "r770", "r853", "r885", "r1242", "r1243" ] }, "us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome" ], "lang": { "en-us": { "role": { "label": "Other comprehensive income (loss):" } } }, "auth_ref": [] }, "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome": { "parentTag": "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome" ], "lang": { "en-us": { "role": { "negatedTotalLabel": "Net amount", "label": "Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, before Tax", "documentation": "Amount, before tax, after reclassification adjustment, of (increase) decrease in accumulated other comprehensive income for defined benefit plan." } } }, "auth_ref": [ "r6", "r7", "r131", "r132", "r885", "r1054", "r1354" ] }, "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome": { "parentTag": "us-gaap_OtherComprehensiveIncomeLossNetOfTax", "weight": -1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome" ], "lang": { "en-us": { "role": { "negatedTotalLabel": "Net-of-tax amount", "label": "Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, after Tax", "documentation": "Amount, after tax and reclassification adjustment, of (increase) decrease in accumulated other comprehensive income for defined benefit plan." } } }, "auth_ref": [ "r6", "r7", "r131", "r132", "r885" ] }, "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome": { "parentTag": "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax", "weight": -1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome" ], "lang": { "en-us": { "role": { "label": "Gains arising during the period", "documentation": "Amount, before tax, of gain (loss) for (increase) decrease in value of benefit obligation for change in actuarial assumptions and increase (decrease) in value of plan assets from experience different from that assumed of defined benefit plan, that has not been recognized in net periodic benefit (cost) credit." } } }, "auth_ref": [ "r131", "r132", "r160" ] }, "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome": { "parentTag": "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax", "weight": -1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome" ], "lang": { "en-us": { "role": { "label": "Tax effect", "documentation": "Amount, after reclassification adjustment, of tax (expense) benefit for (increase) decrease in accumulated other comprehensive income of defined benefit plan." } } }, "auth_ref": [ "r6", "r7", "r8", "r131", "r168" ] }, "us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome": { "parentTag": "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax", "weight": -1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome" ], "lang": { "en-us": { "role": { "negatedLabel": "Reclassification adjustment for amounts realized in income", "label": "Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax", "documentation": "Amount before tax of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities." } } }, "auth_ref": [ "r10", "r132", "r307", "r436" ] }, "us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncomeParenthetical" ], "lang": { "en-us": { "role": { "negatedLabel": "Income tax effects applicable to net realized gains and losses on available-for-sale securities", "label": "Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax", "documentation": "Amount of tax expense (benefit) of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities." } } }, "auth_ref": [ "r8" ] }, "us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome": { "parentTag": "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome" ], "lang": { "en-us": { "role": { "negatedLabel": "Amortization of defined benefit plan actuarial loss", "label": "Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss), Reclassification Adjustment from AOCI, before Tax", "documentation": "Amount, before tax, of reclassification adjustment from accumulated other comprehensive income (loss) for gain (loss) of defined benefit plan." } } }, "auth_ref": [ "r10", "r132", "r307", "r576" ] }, "us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncomeParenthetical" ], "lang": { "en-us": { "role": { "label": "Income tax effects associated with reclassification reclassification of defined benefit plan amortization", "documentation": "Amount of tax (expense) benefit for reclassification adjustment from accumulated other comprehensive (income) loss of defined benefit plan." } } }, "auth_ref": [ "r8", "r168" ] }, "us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome": { "parentTag": "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfComprehensiveIncome" ], "lang": { "en-us": { "role": { "label": "Unrealized gain (loss)", "documentation": "Amount, before tax and adjustment, of unrealized holding gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale). Excludes unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale." } } }, "auth_ref": [ "r301", "r304", "r436" ] }, "us-gaap_OtherGeneralExpense": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherGeneralExpense", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_OperatingExpenses", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Other expenses", "label": "Other General Expense", "documentation": "Amount of general expenses not normally included in Other Operating Costs and Expenses." } } }, "auth_ref": [ "r136", "r1028" ] }, "us-gaap_OtherIncome": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherIncome", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0, "order": 10.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Other income", "documentation": "Amount of revenue and income classified as other." } } }, "auth_ref": [ "r893", "r960", "r1003", "r1004", "r1005" ] }, "us-gaap_OtherLiabilities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherLiabilities", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_LiabilitiesAndStockholdersEquity", "weight": 1.0, "order": 2.0 }, "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Liabilities", "weight": 1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Other liabilities", "documentation": "Amount of liabilities classified as other." } } }, "auth_ref": [ "r184", "r874", "r934", "r935", "r1101", "r1451", "r1458" ] }, "us-gaap_OtherLongTermDebt": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherLongTermDebt", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_DebtLongtermAndShorttermCombinedAmount", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Long-term debt", "documentation": "Amount of long-term debt classified as other." } } }, "auth_ref": [ "r33", "r185", "r1450" ] }, "us-gaap_OtherNoncashExpense": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherNoncashExpense", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0, "order": 10.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "ESOP expense", "documentation": "Amount of expense or loss included in net income that result in no cash flow, classified as other." } } }, "auth_ref": [ "r147" ] }, "us-gaap_OtherNoninterestExpense": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "OtherNoninterestExpense", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestExpense", "weight": 1.0, "order": 10.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Other expenses", "documentation": "Amount of noninterest expense classified as other." } } }, "auth_ref": [ "r196" ] }, "ecd_OtherPerfMeasureAmt": { "xbrltype": "decimalItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "OtherPerfMeasureAmt", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Other Performance Measure, Amount" } } }, "auth_ref": [ "r1169" ] }, "dei_OtherReportingStandardItemNumber": { "xbrltype": "otherReportingStandardItemNumberItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "OtherReportingStandardItemNumber", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Other Reporting Standard Item Number", "documentation": "\"Item 17\" or \"Item 18\" specified when the basis of accounting is neither US GAAP nor IFRS." } } }, "auth_ref": [ "r1115" ] }, "ecd_OutstandingAggtErrCompAmt": { "xbrltype": "monetaryItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "OutstandingAggtErrCompAmt", "presentation": [ "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" ], "lang": { "en-us": { "role": { "label": "Outstanding Aggregate Erroneous Compensation Amount" } } }, "auth_ref": [ "r1133", "r1144", "r1158", "r1184" ] }, "ecd_OutstandingRecoveryCompAmt": { "xbrltype": "monetaryItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "OutstandingRecoveryCompAmt", "presentation": [ "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" ], "lang": { "en-us": { "role": { "label": "Compensation Amount" } } }, "auth_ref": [ "r1136", "r1147", "r1161", "r1187" ] }, "ecd_OutstandingRecoveryIndName": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "OutstandingRecoveryIndName", "presentation": [ "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" ], "lang": { "en-us": { "role": { "verboseLabel": "Name", "label": "Outstanding Recovery, Individual Name" } } }, "auth_ref": [ "r1136", "r1147", "r1161", "r1187" ] }, "wneb_OwnerOccupiedMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "OwnerOccupiedMember", "presentation": [ "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Owner Occupied [Member]", "documentation": "The element represents owner occupied member." } } }, "auth_ref": [] }, "srt_ParentCompanyMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "ParentCompanyMember", "presentation": [ "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Parent Company [Member]", "documentation": "Registrant with controlling financial interest in one or more subsidiaries. Controlling interest in subsidiary includes, but is not limited to, primary beneficiary of variable interest entity (VIE). Controlling interest in subsidiary excludes broker-dealer with controlling financial interest in subsidiary but control is likely to be temporary." } } }, "auth_ref": [ "r269", "r329" ] }, "wneb_PartnersCommittedCapitalContrbution": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "PartnersCommittedCapitalContrbution", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Committed capital contrbution to partnership", "documentation": "The amount of committed capital contribution to partnership." } } }, "auth_ref": [] }, "wneb_Pass11Member": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "Pass11Member", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Pass (Rated 1 - 4) [Member]", "documentation": "Represents the pass." } } }, "auth_ref": [] }, "us-gaap_PastDueFinancingReceivablesTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PastDueFinancingReceivablesTableTextBlock", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesTables" ], "lang": { "en-us": { "role": { "label": "The following tables present an age analysis of past due loans as of the dates indicated:", "documentation": "Tabular disclosure of aging analysis for financing receivable." } } }, "auth_ref": [ "r226", "r228", "r1042", "r1314" ] }, "ecd_PayVsPerformanceDisclosureLineItems": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "PayVsPerformanceDisclosureLineItems", "auth_ref": [ "r1165" ] }, "wneb_PaymentLoanOriginationsAndPrincipalPaymentsNet": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "PaymentLoanOriginationsAndPrincipalPaymentsNet", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": -1.0, "order": 6.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "negatedLabel": "Net loan originations and principal payments", "documentation": "Cash inflow (outflow) related to a loan originations and principal payments, net.", "label": "Payment Loan Originations And Principal Payments Net" } } }, "auth_ref": [] }, "us-gaap_PaymentsForLoans": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PaymentsForLoans", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": -1.0, "order": 12.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "negatedLabel": "Principal balance of loans originated for sale", "label": "Payments for Loans", "documentation": "Cash payments for and related to principal collection on loans related to operating activities." } } }, "auth_ref": [ "r12" ] }, "us-gaap_PaymentsForRepurchaseOfCommonStock": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PaymentsForRepurchaseOfCommonStock", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities", "weight": -1.0, "order": 6.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "negatedLabel": "Repurchase of common stock", "negatedTerseLabel": "Common stock repurchased", "label": "Payments for Repurchase of Common Stock", "documentation": "The cash outflow to reacquire common stock during the period." } } }, "auth_ref": [ "r141" ] }, "us-gaap_PaymentsOfDividends": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PaymentsOfDividends", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities", "weight": -1.0, "order": 5.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "negatedLabel": "Cash dividends paid", "label": "Payments of Dividends", "documentation": "Cash outflow in the form of capital distributions and dividends to common shareholders, preferred shareholders and noncontrolling interests." } } }, "auth_ref": [ "r141" ] }, "us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PaymentsToAcquireAvailableForSaleSecuritiesDebt", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": -1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "negatedLabel": "Purchases of securities available-for-sale", "label": "Payments to Acquire Debt Securities, Available-for-Sale", "documentation": "Amount of cash outflow to acquire investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)." } } }, "auth_ref": [ "r39", "r321", "r401" ] }, "us-gaap_PaymentsToAcquireFederalHomeLoanBankStock": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PaymentsToAcquireFederalHomeLoanBankStock", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": -1.0, "order": 7.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "negatedLabel": "Purchase of Federal Home Loan Bank of Boston stock", "label": "Payments to Acquire Federal Home Loan Bank Stock", "documentation": "Amount of cash outflow to acquire Federal Home Loan Bank (FHLB) stock." } } }, "auth_ref": [ "r1248" ] }, "us-gaap_PaymentsToAcquireHeldToMaturitySecurities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PaymentsToAcquireHeldToMaturitySecurities", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": -1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "negatedLabel": "Purchases of securities held-to-maturity", "label": "Payments to Acquire Held-to-Maturity Securities", "documentation": "Amount of cash outflow through purchase of long-term held-to-maturity securities." } } }, "auth_ref": [ "r39", "r401" ] }, "us-gaap_PaymentsToAcquireMarketableSecurities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PaymentsToAcquireMarketableSecurities", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Purchase of securities", "label": "Payments to Acquire Marketable Securities", "documentation": "Amount of cash outflow for purchase of marketable security." } } }, "auth_ref": [ "r1282" ] }, "us-gaap_PaymentsToAcquirePropertyPlantAndEquipment": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PaymentsToAcquirePropertyPlantAndEquipment", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": -1.0, "order": 9.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "negatedLabel": "Purchases of premises and equipment", "label": "Payments to Acquire Property, Plant, and Equipment", "documentation": "The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets." } } }, "auth_ref": [ "r140" ] }, "ecd_PeerGroupIssuersFnTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "PeerGroupIssuersFnTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Peer Group Issuers, Footnote" } } }, "auth_ref": [ "r1168" ] }, "ecd_PeerGroupTotalShareholderRtnAmt": { "xbrltype": "monetaryItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "PeerGroupTotalShareholderRtnAmt", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Peer Group Total Shareholder Return Amount" } } }, "auth_ref": [ "r1168" ] }, "us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PensionAndOtherPostretirementBenefitsDisclosureTextBlock", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefits" ], "lang": { "en-us": { "role": { "label": "RETIREMENT PLANS AND EMPLOYEE BENEFITS", "documentation": "The entire disclosure for retirement benefits." } } }, "auth_ref": [ "r531", "r556", "r558", "r564", "r581", "r583", "r584", "r585", "r586", "r587", "r599", "r600", "r602", "r1054" ] }, "us-gaap_PensionAndOtherPostretirementPlansPolicy": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PensionAndOtherPostretirementPlansPolicy", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Retirement Plans and Employee Benefits", "documentation": "Disclosure of accounting policy for pension and other postretirement benefit plans. This accounting policy may address (1) the types of plans sponsored by the entity, and the benefits provided by each plan (2) groups that participate in (or are covered by) each plan (3) how plan assets, liabilities and expenses are measured, including the use of any actuaries and (4) significant assumptions used by the entity to value plan assets and liabilities and how such assumptions are derived." } } }, "auth_ref": [ "r17", "r18", "r20", "r27", "r66" ] }, "ecd_PeoActuallyPaidCompAmt": { "xbrltype": "monetaryItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "PeoActuallyPaidCompAmt", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "PEO Actually Paid Compensation Amount" } } }, "auth_ref": [ "r1167" ] }, "ecd_PeoName": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "PeoName", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "PEO Name" } } }, "auth_ref": [ "r1170" ] }, "ecd_PeoTotalCompAmt": { "xbrltype": "monetaryItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "PeoTotalCompAmt", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "PEO Total Compensation Amount" } } }, "auth_ref": [ "r1166" ] }, "wneb_PercentageOfCommonEquity": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "PercentageOfCommonEquity", "presentation": [ "http://westfieldbank.com/role/RegulatoryCapitalDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Number of shares authorized to be repurchased as percentage of total outstanding shares of common stock", "documentation": "Number of shares authorized to be repurchased as percentage of total outstanding shares of common stock." } } }, "auth_ref": [] }, "us-gaap_PercentageOfInterestBearingDomesticDepositsToDeposits": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PercentageOfInterestBearingDomesticDepositsToDeposits", "presentation": [ "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Demand deposit accounts percentage", "documentation": "Percentage of interest-bearing domestic deposit liabilities to total deposit liabilities." } } }, "auth_ref": [] }, "us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsChecking": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PercentageOfInterestBearingDomesticDepositsToDepositsChecking", "presentation": [ "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Interest-bearing checking accounts percentage", "documentation": "Percentage of interest-bearing domestic checking demand deposit liabilities to total deposit liabilities." } } }, "auth_ref": [] }, "us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket", "presentation": [ "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Money market accounts percentage", "documentation": "Percentage of interest-bearing domestic money market demand account deposit liabilities to total deposit liabilities." } } }, "auth_ref": [] }, "us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsOtherTimeDeposit": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PercentageOfInterestBearingDomesticDepositsToDepositsOtherTimeDeposit", "presentation": [ "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Total deposits percentage", "documentation": "Percentage of interest-bearing domestic time deposit liabilities other than certificates of deposit liabilities to total deposit liabilities." } } }, "auth_ref": [] }, "us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PercentageOfInterestBearingDomesticDepositsToDepositsSavings", "presentation": [ "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Regular savings accounts percentage", "documentation": "Percentage of interest-bearing domestic savings deposit liabilities to total deposit liabilities." } } }, "auth_ref": [] }, "us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsTimeDeposits": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PercentageOfInterestBearingDomesticDepositsToDepositsTimeDeposits", "presentation": [ "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Time deposits percentage", "documentation": "Percentage of interest-bearing domestic time deposit liabilities to total deposit liabilities." } } }, "auth_ref": [] }, "wneb_PercentageOfPerformanceEarnedDuringYearEight": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "PercentageOfPerformanceEarnedDuringYearEight", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2023LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "December 31, 2024", "documentation": "Percent of performance stock awards participants will be able to earn during the eighth performance year.", "label": "December 31, 2023 [Default Label]" } } }, "auth_ref": [] }, "wneb_PercentageOfPerformanceEarnedDuringYearEleven": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "PercentageOfPerformanceEarnedDuringYearEleven", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2024LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "December 31, 2025", "documentation": "Percent of performance stock awards participants will be able to earn during the eleventh performance year.", "label": "Percentage of preformance earned during year eleven" } } }, "auth_ref": [] }, "wneb_PercentageOfPerformanceEarnedDuringYearFive": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "PercentageOfPerformanceEarnedDuringYearFive", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2022LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "December 31, 2023", "documentation": "Percent of performance stock awards participants will be able to earn during the fifth performance year.", "label": "December 31, 2022 [Default Label]" } } }, "auth_ref": [] }, "wneb_PercentageOfPerformanceEarnedDuringYearFour": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "PercentageOfPerformanceEarnedDuringYearFour", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2022LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "December 31, 2022", "documentation": "Percent of performance stock awards participants will be able to earn during the fourth performance year.", "label": "December 31, 2021 [Default Label]" } } }, "auth_ref": [] }, "wneb_PercentageOfPerformanceEarnedDuringYearNine": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "PercentageOfPerformanceEarnedDuringYearNine", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2023LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "December 31, 2025", "documentation": "Percent of performance stock awards participants will be able to earn during the ninth performance year." } } }, "auth_ref": [] }, "wneb_PercentageOfPerformanceEarnedDuringYearOne": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "PercentageOfPerformanceEarnedDuringYearOne", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "December 31, 2021", "documentation": "Percent of performance stock awards participants will be able to earn during the current performance year." } } }, "auth_ref": [] }, "wneb_PercentageOfPerformanceEarnedDuringYearSeven": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "PercentageOfPerformanceEarnedDuringYearSeven", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2023LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "December 31, 2023", "documentation": "Percent of performance stock awards participants will be able to earn during the seventh performance year.", "label": "December 31, 2022 Year 7" } } }, "auth_ref": [] }, "wneb_PercentageOfPerformanceEarnedDuringYearSix": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "PercentageOfPerformanceEarnedDuringYearSix", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2022LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "December 31, 2024", "documentation": "Percent of performance stock awards participants will be able to earn during the sixth performance year." } } }, "auth_ref": [] }, "wneb_PercentageOfPerformanceEarnedDuringYearTen": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "PercentageOfPerformanceEarnedDuringYearTen", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2024LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "December 31, 2024", "documentation": "Percent of performance stock awards participants will be able to earn during the tenth performance year.", "label": "Percentage of preformance earned during year ten" } } }, "auth_ref": [] }, "wneb_PercentageOfPerformanceEarnedDuringYearThree": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "PercentageOfPerformanceEarnedDuringYearThree", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "December 31, 2023", "documentation": "Percent of performance stock awards participants will be able to earn during the third performance year." } } }, "auth_ref": [] }, "wneb_PercentageOfPerformanceEarnedDuringYearTwelve": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "PercentageOfPerformanceEarnedDuringYearTwelve", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2024LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "December 31, 2026", "documentation": "Percent of performance stock awards participants will be able to earn during the twelfth performance year." } } }, "auth_ref": [] }, "wneb_PercentageOfPerformanceEarnedDuringYearTwo": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "PercentageOfPerformanceEarnedDuringYearTwo", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "December 31, 2022", "documentation": "Percent of performance stock awards participants will be able to earn during the next performance year." } } }, "auth_ref": [] }, "wneb_PercentageOfReserveUsedTaxableAsPenalty": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "PercentageOfReserveUsedTaxableAsPenalty", "presentation": [ "http://westfieldbank.com/role/IncomeTaxesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Percentage of amount actually used net of reserve subject to taxation", "documentation": "Percentage of reserve used taxable as penalty." } } }, "auth_ref": [] }, "us-gaap_PerformanceSharesMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PerformanceSharesMember", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Performance Shares [Member]", "documentation": "Share-based payment arrangement awarded for meeting performance target." } } }, "auth_ref": [] }, "us-gaap_PerformingFinancingReceivableMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PerformingFinancingReceivableMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Performing Financial Instruments [Member]", "documentation": "Category status of financial instruments in which payments are received or paid on a timely basis in accordance with the terms of the contract. Financial instruments include, but are not limited to, financing receivables, loans, debt instruments, and investments." } } }, "auth_ref": [ "r222", "r223", "r224", "r1315" ] }, "us-gaap_PlanNameAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PlanNameAxis", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2022LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2023LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2024LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Plan Name [Axis]", "documentation": "Information by plan name for share-based payment arrangement." } } }, "auth_ref": [ "r1357", "r1358", "r1359", "r1360", "r1361", "r1362", "r1363", "r1364", "r1365", "r1366", "r1367", "r1368", "r1369", "r1370", "r1371", "r1372", "r1373", "r1374", "r1375", "r1376", "r1377", "r1378", "r1379", "r1380", "r1381", "r1382" ] }, "us-gaap_PlanNameDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PlanNameDomain", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2022LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2023LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2024LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "documentation": "Plan name for share-based payment arrangement." } } }, "auth_ref": [ "r1357", "r1358", "r1359", "r1360", "r1361", "r1362", "r1363", "r1364", "r1365", "r1366", "r1367", "r1368", "r1369", "r1370", "r1371", "r1372", "r1373", "r1374", "r1375", "r1376", "r1377", "r1378", "r1379", "r1380", "r1381", "r1382" ] }, "us-gaap_PledgedStatusAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PledgedStatusAxis", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative", "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Pledged Status [Axis]", "documentation": "Information by pledged or not pledged status of asset owned by entity." } } }, "auth_ref": [ "r698", "r932", "r1067" ] }, "us-gaap_PledgedStatusDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PledgedStatusDomain", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative", "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "Pledged or not pledged status of asset owned by entity." } } }, "auth_ref": [ "r698", "r932", "r1067" ] }, "us-gaap_PledgingPurposeAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PledgingPurposeAxis", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative", "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Pledging Purpose [Axis]", "documentation": "Information by pledging purpose of pledged asset owned." } } }, "auth_ref": [ "r819", "r1067", "r1083", "r1219" ] }, "us-gaap_PledgingPurposeDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PledgingPurposeDomain", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative", "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "Pledging purpose of pledged asset owned." } } }, "auth_ref": [ "r819", "r1067", "r1083", "r1219" ] }, "ecd_PnsnBnftsAdjFnTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "PnsnBnftsAdjFnTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Pension Benefits Adjustments, Footnote" } } }, "auth_ref": [ "r1167" ] }, "us-gaap_PortionAtFairValueFairValueDisclosureMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PortionAtFairValueFairValueDisclosureMember", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "documentation": "Measured at fair value for financial reporting purposes." } } }, "auth_ref": [ "r761" ] }, "dei_PreCommencementIssuerTenderOffer": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "PreCommencementIssuerTenderOffer", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Pre-commencement Issuer Tender Offer", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act." } } }, "auth_ref": [ "r1109" ] }, "dei_PreCommencementTenderOffer": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "PreCommencementTenderOffer", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Pre-commencement Tender Offer", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act." } } }, "auth_ref": [ "r1111" ] }, "us-gaap_PreferredStockParOrStatedValuePerShare": { "xbrltype": "perShareItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PreferredStockParOrStatedValuePerShare", "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheetsParenthetical" ], "lang": { "en-us": { "role": { "label": "Preferred stock, par value (in dollars per share)", "documentation": "Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer." } } }, "auth_ref": [ "r120", "r528" ] }, "us-gaap_PreferredStockSharesAuthorized": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PreferredStockSharesAuthorized", "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheetsParenthetical" ], "lang": { "en-us": { "role": { "label": "Preferred stock, authorized", "documentation": "The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws." } } }, "auth_ref": [ "r120", "r939" ] }, "us-gaap_PreferredStockSharesOutstanding": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PreferredStockSharesOutstanding", "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheetsParenthetical" ], "lang": { "en-us": { "role": { "label": "Preferred stock, outstanding", "documentation": "Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased." } } }, "auth_ref": [ "r120", "r939", "r957", "r1462", "r1463" ] }, "us-gaap_PreferredStockValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PreferredStockValue", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_StockholdersEquity", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Preferred stock - $0.01 par value, 5,000,000 shares authorized, none outstanding at December 31, 2024 and December 31, 2023", "documentation": "Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity." } } }, "auth_ref": [ "r120", "r875", "r1082" ] }, "us-gaap_PrepayableFinancialAssetClosedPortfolioLastOfLayerAmortizedCost": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PrepayableFinancialAssetClosedPortfolioLastOfLayerAmortizedCost", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/DerivativesAndHedgingActivitiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Amortized cost basis of closed portfolios", "documentation": "Amortized cost of closed portfolio of financial asset used to designate hedging relationship in which hedged item is expected to be outstanding for designated hedged period." } } }, "auth_ref": [ "r708", "r1069" ] }, "us-gaap_PriorPeriodReclassificationAdjustmentDescription": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PriorPeriodReclassificationAdjustmentDescription", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Reclassifications", "documentation": "Disclosure of accounting policy for reclassification affecting comparability of financial statement. Excludes amendment to accounting standards, other change in accounting principle, and correction of error." } } }, "auth_ref": [ "r1237" ] }, "us-gaap_ProceedsFromIssuanceOfLongTermDebt": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ProceedsFromIssuanceOfLongTermDebt", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities", "weight": 1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Proceeds from long-term debt", "documentation": "The cash inflow from a debt initially having maturity due after one year or beyond the operating cycle, if longer." } } }, "auth_ref": [ "r40", "r912" ] }, "us-gaap_ProceedsFromLifeInsurancePolicies": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ProceedsFromLifeInsurancePolicies", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": 1.0, "order": 11.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Proceeds from payout on bank-owned life insurance", "documentation": "Amount of cash inflow for proceeds from settlement of corporate-owned life insurance policy, classified as investing activities. Includes, but is not limited to, bank-owned life insurance policy." } } }, "auth_ref": [ "r11", "r37" ] }, "us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": 1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Proceeds from calls, maturities, and principal collections of securities available-for-sale", "documentation": "Amount of cash inflow from maturity, prepayment and call of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)." } } }, "auth_ref": [ "r321", "r322", "r1282" ] }, "us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Proceeds from calls, maturities, and principal collections of securities held-to-maturity", "documentation": "The cash inflow associated with the maturity, prepayments and calls (requests for early payments) of debt securities designated as held-to-maturity." } } }, "auth_ref": [ "r38", "r1282" ] }, "us-gaap_ProceedsFromRepaymentsOfShortTermDebt": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ProceedsFromRepaymentsOfShortTermDebt", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Decrease in short-term borrowings", "documentation": "The net cash inflow or outflow for borrowing having initial term of repayment within one year or the normal operating cycle, if longer." } } }, "auth_ref": [] }, "us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ProceedsFromSaleAndMaturityOfMarketableSecurities", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": 1.0, "order": 5.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows", "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Proceeds from redemption and sales of marketable equity securities", "verboseLabel": "Proceeds from redemption of marketable equity securities", "terseLabel": "Sales of securities", "documentation": "The cash inflow associated with the aggregate amount received by the entity through sale or maturity of marketable securities (held-to-maturity or available-for-sale) during the period." } } }, "auth_ref": [] }, "us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ProceedsFromSaleOfAvailableForSaleSecuritiesDebt", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Proceeds from the sales of securities available-for-sale", "documentation": "Amount of cash inflow from sale of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)." } } }, "auth_ref": [ "r38", "r321", "r401", "r435" ] }, "us-gaap_ProceedsFromSaleOfLoansHeldForSale": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ProceedsFromSaleOfLoansHeldForSale", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0, "order": 13.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Principal balance of loans sold", "documentation": "The cash inflow resulting from the sale of loans classified as held-for-sale, including proceeds from loans sold through mortgage securitization." } } }, "auth_ref": [ "r1249", "r1250" ] }, "us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ProceedsFromSaleOfMortgageLoansHeldForSale", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Sale of residential real estate mortgages", "documentation": "The cash inflow from sales of loans that are secured with real estate mortgages and are held with the intention to resell in the near future." } } }, "auth_ref": [ "r41", "r145" ] }, "wneb_ProceedsFromSaleOfPortfolioMortgages": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ProceedsFromSaleOfPortfolioMortgages", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": 1.0, "order": 8.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Proceeds from sale of portfolio mortgages", "documentation": "Amount of proceeds from sale of portfolio mortgages." } } }, "auth_ref": [] }, "us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ProceedsFromSaleOfPropertyPlantAndEquipment", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities", "weight": 1.0, "order": 10.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Proceeds from sale of premises and equipment", "documentation": "The cash inflow from the sale of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale." } } }, "auth_ref": [ "r139" ] }, "us-gaap_ProceedsFromStockOptionsExercised": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ProceedsFromStockOptionsExercised", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect", "weight": 1.0, "order": 3.0 }, "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities", "weight": 1.0, "order": 7.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "verboseLabel": "Issuance of common stock in connection with stock option exercises", "totalLabel": "Net cash used in financing activities", "label": "Proceeds from Stock Options Exercised", "documentation": "Amount of cash inflow from exercise of option under share-based payment arrangement." } } }, "auth_ref": [ "r9", "r28" ] }, "us-gaap_ProfessionalFees": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ProfessionalFees", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestExpense", "weight": 1.0, "order": 7.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Professional fees", "documentation": "A fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer." } } }, "auth_ref": [ "r1028", "r1099", "r1459", "r1461" ] }, "us-gaap_PropertyPlantAndEquipmentAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PropertyPlantAndEquipmentAbstract", "lang": { "en-us": { "role": { "label": "Property, Plant and Equipment [Abstract]" } } }, "auth_ref": [] }, "us-gaap_PropertyPlantAndEquipmentByTypeAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PropertyPlantAndEquipmentByTypeAxis", "presentation": [ "http://westfieldbank.com/role/EstimatedUsefulLivesOfAssetsAreAsFollowsDetails", "http://westfieldbank.com/role/PremisesAndEquipmentAreSummarizedAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Long-Lived Tangible Asset [Axis]", "documentation": "Information by type of long-lived, physical assets used to produce goods and services and not intended for resale." } } }, "auth_ref": [ "r15", "r790" ] }, "us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PropertyPlantAndEquipmentDisclosureTextBlock", "presentation": [ "http://westfieldbank.com/role/PremisesAndEquipment" ], "lang": { "en-us": { "role": { "label": "PREMISES AND EQUIPMENT", "documentation": "The entire disclosure for long-lived, physical asset used in normal conduct of business and not intended for resale. Includes, but is not limited to, work of art, historical treasure, and similar asset classified as collections." } } }, "auth_ref": [ "r152", "r248", "r251", "r252" ] }, "us-gaap_PropertyPlantAndEquipmentGross": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PropertyPlantAndEquipmentGross", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/PremisesAndEquipmentAreSummarizedAsFollowsDetails": { "parentTag": "us-gaap_PropertyPlantAndEquipmentNet", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/PremisesAndEquipmentAreSummarizedAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Total", "documentation": "Amount before accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures." } } }, "auth_ref": [ "r153", "r290", "r882" ] }, "us-gaap_PropertyPlantAndEquipmentLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PropertyPlantAndEquipmentLineItems", "presentation": [ "http://westfieldbank.com/role/EstimatedUsefulLivesOfAssetsAreAsFollowsDetails", "http://westfieldbank.com/role/PremisesAndEquipmentAreSummarizedAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Property, Plant and Equipment [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [ "r790" ] }, "us-gaap_PropertyPlantAndEquipmentNet": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PropertyPlantAndEquipmentNet", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Assets", "weight": 1.0, "order": 5.0 }, "http://westfieldbank.com/role/PremisesAndEquipmentAreSummarizedAsFollowsDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets", "http://westfieldbank.com/role/PremisesAndEquipmentAreSummarizedAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Premises and equipment, net", "totalLabel": "Premises and equipment, net", "documentation": "Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures." } } }, "auth_ref": [ "r15", "r790", "r858", "r882", "r1082" ] }, "us-gaap_PropertyPlantAndEquipmentPolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PropertyPlantAndEquipmentPolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Premises and Equipment", "documentation": "Disclosure of accounting policy for long-lived, physical asset used in normal conduct of business and not intended for resale. Includes, but is not limited to, work of art, historical treasure, and similar asset classified as collections." } } }, "auth_ref": [ "r15", "r248", "r251", "r880" ] }, "us-gaap_PropertyPlantAndEquipmentTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PropertyPlantAndEquipmentTextBlock", "presentation": [ "http://westfieldbank.com/role/PremisesAndEquipmentTables" ], "lang": { "en-us": { "role": { "label": "Premises and equipment are summarized as follows:", "documentation": "Tabular disclosure of physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation." } } }, "auth_ref": [ "r15" ] }, "us-gaap_PropertyPlantAndEquipmentTypeDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PropertyPlantAndEquipmentTypeDomain", "presentation": [ "http://westfieldbank.com/role/EstimatedUsefulLivesOfAssetsAreAsFollowsDetails", "http://westfieldbank.com/role/PremisesAndEquipmentAreSummarizedAsFollowsDetails" ], "lang": { "en-us": { "role": { "documentation": "Listing of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software." } } }, "auth_ref": [ "r153", "r790" ] }, "us-gaap_PropertyPlantAndEquipmentUsefulLife": { "xbrltype": "durationItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "PropertyPlantAndEquipmentUsefulLife", "presentation": [ "http://westfieldbank.com/role/EstimatedUsefulLivesOfAssetsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Estimated useful lives", "documentation": "Useful life of long lived, physical assets used in the normal conduct of business and not intended for resale, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Examples include, but not limited to, land, buildings, machinery and equipment, office equipment, furniture and fixtures, and computer equipment." } } }, "auth_ref": [] }, "us-gaap_ProvisionForLoanLeaseAndOtherLosses": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ProvisionForLoanLeaseAndOtherLosses", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss", "weight": -1.0, "order": 2.0 }, "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows", "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome", "http://westfieldbank.com/role/FollowingTablesPresentSummaryOfOurQuarterlyFinancialInformationForPeriodsIndicated.Details", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "(Reversal of) provision for credit losses", "documentation": "Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value." } } }, "auth_ref": [ "r13", "r191", "r217" ] }, "ecd_PvpTable": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "PvpTable", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Pay vs Performance Disclosure [Table]" } } }, "auth_ref": [ "r1165" ] }, "ecd_PvpTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "PvpTableTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Pay vs Performance Disclosure, Table" } } }, "auth_ref": [ "r1165" ] }, "us-gaap_QuarterlyFinancialInformationDisclosureAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "QuarterlyFinancialInformationDisclosureAbstract", "lang": { "en-us": { "role": { "label": "Quarterly Financial Information Disclosure [Abstract]" } } }, "auth_ref": [] }, "us-gaap_QuarterlyFinancialInformationTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "QuarterlyFinancialInformationTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfQuarterlyFinancialInformation" ], "lang": { "en-us": { "role": { "label": "SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED)", "documentation": "The entire disclosure for quarterly financial data. Includes, but is not limited to, tabular presentation of financial information for fiscal quarters, effect of year-end adjustments, and an explanation of matters or transactions that affect comparability of the information." } } }, "auth_ref": [ "r149", "r364" ] }, "srt_RangeAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "RangeAxis", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative", "http://westfieldbank.com/role/EstimatedUsefulLivesOfAssetsAreAsFollowsDetails", "http://westfieldbank.com/role/LeasesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Statistical Measurement [Axis]", "documentation": "Information by statistical measurement. Includes, but is not limited to, minimum, maximum, weighted average, arithmetic average, and median." } } }, "auth_ref": [ "r270", "r271", "r272", "r273", "r274", "r280", "r281", "r493", "r494", "r495", "r496", "r556", "r605", "r634", "r635", "r636", "r643", "r740", "r809", "r821", "r841", "r895", "r896", "r909", "r929", "r930", "r985", "r987", "r988", "r989", "r1002", "r1012", "r1013", "r1033", "r1051", "r1062", "r1073", "r1074", "r1078", "r1079", "r1085", "r1091", "r1338", "r1348", "r1408", "r1435", "r1436", "r1437", "r1438", "r1439" ] }, "srt_RangeMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "RangeMember", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative", "http://westfieldbank.com/role/EstimatedUsefulLivesOfAssetsAreAsFollowsDetails", "http://westfieldbank.com/role/LeasesDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "Statistical measurement. Includes, but is not limited to, minimum, maximum, weighted average, arithmetic average, and median." } } }, "auth_ref": [ "r270", "r271", "r272", "r273", "r274", "r280", "r281", "r493", "r494", "r495", "r496", "r556", "r605", "r634", "r635", "r636", "r643", "r740", "r809", "r821", "r841", "r895", "r896", "r909", "r929", "r930", "r985", "r987", "r988", "r989", "r1002", "r1012", "r1013", "r1033", "r1051", "r1062", "r1073", "r1074", "r1078", "r1079", "r1085", "r1091", "r1338", "r1348", "r1408", "r1435", "r1436", "r1437", "r1438", "r1439" ] }, "wneb_Rate1Member": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "Rate1Member", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Rate 1 [Member]", "documentation": "Rate 1." } } }, "auth_ref": [] }, "wneb_Rate2Member": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "Rate2Member", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Rate 2 [Member]", "documentation": "Rate 2." } } }, "auth_ref": [] }, "wneb_Rate3Member": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "Rate3Member", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Rate 3 [Member]", "documentation": "Rate 3." } } }, "auth_ref": [] }, "us-gaap_RealEstateLoanMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "RealEstateLoanMember", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Real Estate Loan [Member]", "documentation": "Loan to finance the purchase of real estate, including but not limited to, land or building." } } }, "auth_ref": [] }, "us-gaap_RealEstatePolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "RealEstatePolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Other Real Estate Owned", "documentation": "Disclosure of accounting policy for entities that primarily develop and then sell real property at retail or otherwise." } } }, "auth_ref": [ "r0" ] }, "us-gaap_ReceivablesAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ReceivablesAbstract", "lang": { "en-us": { "role": { "label": "Receivables [Abstract]" } } }, "auth_ref": [] }, "wneb_ReconciliationOfStockholdersEquityToRegulatoryCapitalTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ReconciliationOfStockholdersEquityToRegulatoryCapitalTableTextBlock", "presentation": [ "http://westfieldbank.com/role/RegulatoryCapitalTables" ], "lang": { "en-us": { "role": { "label": "The following is a reconciliation of our GAAP capital to regulatory Tier 1, Common Equity Tier 1 and total capital:", "documentation": "Tabular disclosure of reconciliation of stockholders' equity to regulatory capital." } } }, "auth_ref": [] }, "ecd_RecoveryOfErrCompDisclosureLineItems": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "RecoveryOfErrCompDisclosureLineItems", "auth_ref": [ "r1128", "r1139", "r1153", "r1179" ] }, "srt_RegulatoryCapitalRequirementsAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "RegulatoryCapitalRequirementsAbstract", "lang": { "en-us": { "role": { "label": "Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]" } } }, "auth_ref": [] }, "us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "presentation": [ "http://westfieldbank.com/role/RegulatoryCapital" ], "lang": { "en-us": { "role": { "label": "REGULATORY CAPITAL", "documentation": "The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union." } } }, "auth_ref": [ "r859", "r860", "r861", "r863", "r864", "r865", "r867", "r868" ] }, "us-gaap_RelatedPartyTransactionsAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "RelatedPartyTransactionsAbstract", "lang": { "en-us": { "role": { "label": "Related Party Transactions [Abstract]" } } }, "auth_ref": [] }, "us-gaap_RelatedPartyTransactionsDisclosureTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "RelatedPartyTransactionsDisclosureTextBlock", "presentation": [ "http://westfieldbank.com/role/TransactionsWithDirectorsAndExecutiveOfficers" ], "lang": { "en-us": { "role": { "label": "TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS", "documentation": "The entire disclosure for related party transactions. Examples of related party transactions include transactions between (a) a parent company and its subsidiary; (b) subsidiaries of a common parent; (c) and entity and its principal owners; and (d) affiliates." } } }, "auth_ref": [ "r797", "r798", "r799", "r800", "r801", "r916", "r917", "r918", "r963", "r964", "r965", "r983", "r984" ] }, "us-gaap_RepaymentsOfLongTermDebt": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "RepaymentsOfLongTermDebt", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities", "weight": -1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "negatedLabel": "Repayment of long-term debt", "label": "Repayments of Long-Term Debt", "documentation": "The cash outflow for debt initially having maturity due after one year or beyond the normal operating cycle, if longer." } } }, "auth_ref": [ "r142", "r913" ] }, "wneb_RepurchasePlan2024AndPreviousPlanMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "RepurchasePlan2024AndPreviousPlanMember", "presentation": [ "http://westfieldbank.com/role/RegulatoryCapitalDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Repurchase Plan 2024 and Previous Plan [Member]", "documentation": "Repurchase Plan 2024 and Previous Plan." } } }, "auth_ref": [] }, "wneb_RepurchasePlan2024Member": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "RepurchasePlan2024Member", "presentation": [ "http://westfieldbank.com/role/RegulatoryCapitalDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Repurchase Plan 2024 [Member]", "documentation": "Repurchase Plan 2024." } } }, "auth_ref": [] }, "wneb_ResidentialEquityLoansAndLinesMaximumPercentageOfAppraisedValueUnderwritten": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ResidentialEquityLoansAndLinesMaximumPercentageOfAppraisedValueUnderwritten", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Residential equity loans and lines maximum percentage of appraised value underwritten", "documentation": "Maximum percentage of appraised value of property underwritten by residential equity loans and lines." } } }, "auth_ref": [] }, "us-gaap_ResidentialMortgageMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ResidentialMortgageMember", "presentation": [ "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails", "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Residential Mortgage [Member]", "documentation": "Loan to purchase or refinance residential real estate for example, but not limited to, a home, in which the real estate itself serves as collateral for the loan." } } }, "auth_ref": [ "r1041" ] }, "us-gaap_ResidentialPortfolioSegmentMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ResidentialPortfolioSegmentMember", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails", "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Residential Portfolio Segment [Member]", "documentation": "Portfolio segment of the company's total financing receivables related to residential financing receivables." } } }, "auth_ref": [] }, "us-gaap_ResidentialRealEstateMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ResidentialRealEstateMember", "presentation": [ "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Residential Real Estate [Member]", "documentation": "Property that is used as a home." } } }, "auth_ref": [ "r1033", "r1038", "r1353" ] }, "ecd_RestatementDateAxis": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "RestatementDateAxis", "presentation": [ "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" ], "lang": { "en-us": { "role": { "label": "Restatement Determination Date [Axis]" } } }, "auth_ref": [ "r1129", "r1140", "r1154", "r1180" ] }, "ecd_RestatementDeterminationDate": { "xbrltype": "dateItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "RestatementDeterminationDate", "presentation": [ "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" ], "lang": { "en-us": { "role": { "label": "Restatement Determination Date" } } }, "auth_ref": [ "r1130", "r1141", "r1155", "r1181" ] }, "ecd_RestatementDoesNotRequireRecoveryTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "RestatementDoesNotRequireRecoveryTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" ], "lang": { "en-us": { "role": { "label": "Restatement does not require Recovery" } } }, "auth_ref": [ "r1137", "r1148", "r1162", "r1188" ] }, "us-gaap_RestrictedInvestments": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "RestrictedInvestments", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Assets", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Federal Home Loan Bank stock and other restricted stock, at amortized cost", "documentation": "Investments which are not defined as or included in marketable (debt, equity, or other) securities whose use is restricted in whole or in part, generally by contractual agreements or regulatory requirements. For use in an unclassified balance sheet." } } }, "auth_ref": [ "r1008", "r1009" ] }, "us-gaap_RestrictedInvestmentsAtFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "RestrictedInvestmentsAtFairValue", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "FHLB and other restricted stock", "documentation": "The aggregate value of all restricted investments." } } }, "auth_ref": [ "r986", "r990", "r1006", "r1008", "r1009" ] }, "us-gaap_RestrictedStockExpense": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "RestrictedStockExpense", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Restricted stock expense", "documentation": "Amount of noncash expense for award of restricted stock or unit under share-based payment arrangement." } } }, "auth_ref": [ "r14" ] }, "us-gaap_RestrictedStockMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "RestrictedStockMember", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "http://westfieldbank.com/role/SummaryOfStatusOfUnvestedRestrictedStockAwardsAtDecember312024And2023IsPresentedBelowDetails" ], "lang": { "en-us": { "role": { "label": "Restricted Stock [Member]", "documentation": "Stock including a provision that prohibits sale or substantive sale of an equity instrument for a specified period of time or until specified performance conditions are met." } } }, "auth_ref": [ "r48" ] }, "us-gaap_RetainedEarningsAccumulatedDeficit": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "RetainedEarningsAccumulatedDeficit", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_StockholdersEquity", "weight": 1.0, "order": 6.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Retained earnings", "documentation": "Amount of accumulated undistributed earnings (deficit)." } } }, "auth_ref": [ "r124", "r159", "r878", "r903", "r908", "r914", "r940", "r1082" ] }, "us-gaap_RetainedEarningsMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "RetainedEarningsMember", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "label": "Retained Earnings [Member]", "documentation": "Accumulated undistributed earnings (deficit)." } } }, "auth_ref": [ "r284", "r332", "r333", "r334", "r337", "r344", "r346", "r348", "r442", "r448", "r489", "r671", "r672", "r684", "r685", "r686", "r689", "r696", "r697", "r715", "r718", "r719", "r722", "r732", "r775", "r778", "r899", "r901", "r919", "r1462" ] }, "us-gaap_RetirementPlanTypeAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "RetirementPlanTypeAxis", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative", "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Retirement Plan Type [Axis]", "documentation": "Information by type of retirement benefit plan. Includes, but is not limited to, retirement benefit arrangement for defined benefit pension and other postretirement plans, retirement benefit arrangement for defined contribution pension and other postretirement plans, and special and contractual termination benefits payable upon retirement." } } }, "auth_ref": [ "r532", "r535", "r536", "r537", "r538", "r539", "r540", "r541", "r542", "r543", "r544", "r545", "r546", "r547", "r548", "r549", "r550", "r551", "r552", "r553", "r554", "r555", "r556", "r557", "r559", "r560", "r561", "r562", "r563", "r564", "r565", "r566", "r567", "r568", "r569", "r570", "r571", "r572", "r573", "r574", "r575", "r576", "r577", "r578", "r579", "r580", "r582", "r585", "r588", "r589", "r590", "r591", "r592", "r593", "r594", "r595", "r596", "r597", "r598", "r602", "r603", "r604", "r606", "r1054", "r1055", "r1056", "r1057", "r1058", "r1059", "r1060", "r1061" ] }, "us-gaap_RetirementPlanTypeDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "RetirementPlanTypeDomain", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative", "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "Type of plan designed to provide participants with retirement benefits. Includes, but is not limited to, retirement benefit arrangement for defined benefit pension and other postretirement plans, retirement benefit arrangement for defined contribution pension and other postretirement plans, and special and contractual termination benefits payable upon retirement." } } }, "auth_ref": [ "r532", "r535", "r536", "r537", "r538", "r539", "r540", "r541", "r542", "r543", "r544", "r545", "r546", "r547", "r548", "r549", "r550", "r551", "r552", "r553", "r554", "r555", "r556", "r557", "r559", "r560", "r561", "r562", "r563", "r564", "r565", "r566", "r567", "r568", "r569", "r570", "r571", "r572", "r573", "r574", "r575", "r576", "r577", "r578", "r579", "r580", "r582", "r585", "r588", "r589", "r590", "r591", "r592", "r593", "r594", "r595", "r596", "r597", "r598", "r602", "r603", "r604", "r606", "r1054", "r1055", "r1056", "r1057", "r1058", "r1059", "r1060", "r1061" ] }, "us-gaap_Revenues": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "Revenues", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails": { "parentTag": "wneb_IncomeBeforeEquityInUndistributedIncomeOfSubsidiariesAndIncomeTaxes", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "totalLabel": "Total income", "label": "Revenues", "documentation": "Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss)." } } }, "auth_ref": [ "r211", "r212", "r317", "r326", "r363", "r371", "r372", "r379", "r383", "r386", "r388", "r389", "r437", "r500", "r501", "r502", "r503", "r504", "r505", "r506", "r507", "r508", "r763", "r857", "r1028", "r1344" ] }, "us-gaap_RevenuesAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "RevenuesAbstract", "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "INCOME:" } } }, "auth_ref": [] }, "us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/SupplementalCashFlowInformationRelatedToLeasesWasAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Operating leases", "documentation": "Amount of increase in right-of-use asset obtained in exchange for operating lease liability." } } }, "auth_ref": [ "r786", "r1081" ] }, "wneb_RightOfUseAssetsObtainedInExchangeForLeaseObligationsAbstract": { "xbrltype": "stringItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "RightOfUseAssetsObtainedInExchangeForLeaseObligationsAbstract", "presentation": [ "http://westfieldbank.com/role/SupplementalCashFlowInformationRelatedToLeasesWasAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "ROU assets obtained in exchange for lease obligations:", "documentation": "This element represents right of use assets obtained in exchange for lease obligations abstract." } } }, "auth_ref": [] }, "ecd_Rule10b51ArrAdoptedFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "Rule10b51ArrAdoptedFlag", "presentation": [ "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" ], "lang": { "en-us": { "role": { "label": "Rule 10b5-1 Arrangement Adopted" } } }, "auth_ref": [ "r1197" ] }, "ecd_Rule10b51ArrTrmntdFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "Rule10b51ArrTrmntdFlag", "presentation": [ "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" ], "lang": { "en-us": { "role": { "label": "Rule 10b5-1 Arrangement Terminated" } } }, "auth_ref": [ "r1197" ] }, "us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesTables" ], "lang": { "en-us": { "role": { "label": "The following table presents the summary of the loan portfolio by the major classification of the loan at the periods indicated:", "documentation": "Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables." } } }, "auth_ref": [ "r122", "r128" ] }, "us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock", "presentation": [ "http://westfieldbank.com/role/RegulatoryCapitalTables" ], "lang": { "en-us": { "role": { "label": "Our actual capital ratios of December 31, 2024 and December 31, 2023 are also presented in the following table.", "documentation": "Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity." } } }, "auth_ref": [ "r862", "r866" ] }, "us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock", "presentation": [ "http://westfieldbank.com/role/IncomeTaxesTables" ], "lang": { "en-us": { "role": { "label": "Income taxes consist of the following:", "documentation": "Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years." } } }, "auth_ref": [ "r1391" ] }, "us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfComprehensiveIncomeLossTableTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesTables" ], "lang": { "en-us": { "role": { "label": "The components of accumulated other comprehensive loss, included in shareholders\u2019 equity, are as follows:", "documentation": "Tabular disclosure of components of comprehensive income (loss). Includes, but is not limited to, foreign currency translation adjustments, foreign currency transactions designated as economic hedges of a net investment in foreign entity, gain (loss) and prior service cost (credit) for pension plans and other postretirement benefit plans." } } }, "auth_ref": [ "r130" ] }, "srt_ScheduleOfCondensedBalanceSheetTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "ScheduleOfCondensedBalanceSheetTableTextBlock", "presentation": [ "http://westfieldbank.com/role/CondensedParentCompanyFinancialStatementsTables" ], "lang": { "en-us": { "role": { "label": "The condensed balance sheets of the parent company are as follows:", "documentation": "Tabular disclosure of condensed balance sheet, including, but not limited to, balance sheets of consolidated entities and consolidation eliminations." } } }, "auth_ref": [ "r1232", "r1257" ] }, "srt_ScheduleOfCondensedCashFlowStatementTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "ScheduleOfCondensedCashFlowStatementTableTextBlock", "presentation": [ "http://westfieldbank.com/role/CondensedParentCompanyFinancialStatementsTables" ], "lang": { "en-us": { "role": { "label": "The condensed statements of cash flows of the parent company are as follows:", "documentation": "Tabular disclosure of condensed cash flow statement, including, but not limited to, cash flow statements of consolidated entities and consolidation eliminations." } } }, "auth_ref": [ "r1232", "r1257" ] }, "srt_ScheduleOfCondensedFinancialStatementsTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "ScheduleOfCondensedFinancialStatementsTable", "presentation": [ "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/CondensedStatementsOfNetIncomeForParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Condensed Financial Statements [Table]", "documentation": "Disclosure of information about condensed financial statements, including, but not limited to, the balance sheet, income statement, and statement of cash flows." } } }, "auth_ref": [ "r269", "r278", "r329", "r1217" ] }, "srt_ScheduleOfCondensedIncomeStatementTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "ScheduleOfCondensedIncomeStatementTableTextBlock", "presentation": [ "http://westfieldbank.com/role/CondensedParentCompanyFinancialStatementsTables" ], "lang": { "en-us": { "role": { "label": "The condensed statements of net income for the parent company are as follows:", "documentation": "Tabular disclosure of condensed income statement, including, but not limited to, income statements of consolidated entities and consolidation eliminations." } } }, "auth_ref": [ "r1232", "r1257" ] }, "us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock", "presentation": [ "http://westfieldbank.com/role/IncomeTaxesTables" ], "lang": { "en-us": { "role": { "label": "The tax effects of each item that gives rise to deferred taxes are as follows:", "documentation": "Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets." } } }, "auth_ref": [ "r1386" ] }, "us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfDefinedBenefitPlansDisclosuresTable", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Defined Benefit Plan [Table]", "documentation": "Disclosure of information about individual defined benefit pension plan or other postretirement defined benefit plan. It may be appropriate to group certain similar plans. Also includes schedule for fair value of plan assets by major categories of plan assets by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets or liabilities (Level 1), Significant other observable inputs (Level 2), and significant unobservable inputs (Level 3)." } } }, "auth_ref": [ "r17", "r62", "r63", "r64", "r65" ] }, "us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfDefinedBenefitPlansDisclosuresTextBlock", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsTables" ], "lang": { "en-us": { "role": { "label": "The following table provides information related to the DB Plan for the year ended December 31, 2023:", "documentation": "Tabular disclosure of one or more of the entity's defined benefit pension plans or one or more other defined benefit postretirement plans, separately for pension plans and other postretirement benefit plans including the entity's schedule of fair value of plan assets for defined benefit or other postretirement plans." } } }, "auth_ref": [ "r17", "r62", "r63", "r64", "r65" ] }, "wneb_ScheduleOfDepositsTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ScheduleOfDepositsTableTextBlock", "presentation": [ "http://westfieldbank.com/role/DepositsTables" ], "lang": { "en-us": { "role": { "label": "Deposit accounts, by type, are summarized as follows for the periods indicated:", "documentation": "Schedule of deposits." } } }, "auth_ref": [] }, "us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock", "presentation": [ "http://westfieldbank.com/role/DerivativesAndHedgingActivitiesTables" ], "lang": { "en-us": { "role": { "label": "The table below presents the effect of the Company\u2019s derivative financial instruments on the statements of net income as of December 31, 2024, 2023 and 2022.", "documentation": "Tabular disclosure of the location and amount of derivative instruments and nonderivative instruments designated as hedging instruments reported before netting adjustments, and the amount of gain (loss) on derivative instruments and nonderivative instruments designated and qualified as hedging instruments." } } }, "auth_ref": [ "r84", "r86", "r704" ] }, "us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesTables" ], "lang": { "en-us": { "role": { "label": "Earnings per common share for the years ended December 31, 2024, 2023 and 2022 have been computed based on the following:", "documentation": "Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations." } } }, "auth_ref": [ "r1263" ] }, "us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock", "presentation": [ "http://westfieldbank.com/role/IncomeTaxesTables" ], "lang": { "en-us": { "role": { "label": "The differences between the statutory federal income tax at a rate of 21% and the effective tax are summarized below:", "documentation": "Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations." } } }, "auth_ref": [ "r654", "r1066", "r1384" ] }, "us-gaap_ScheduleOfEmployeeStockOwnershipPlanESOPDisclosuresTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfEmployeeStockOwnershipPlanESOPDisclosuresTextBlock", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanTables" ], "lang": { "en-us": { "role": { "label": "Shares held by the ESOP include the following at December 31, 2024 and 2023:", "documentation": "Tabular disclosure of the details pertaining to each employee stock ownership plan." } } }, "auth_ref": [ "r73" ] }, "wneb_ScheduleOfEstimatedUsefulLivesOfAssetsTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ScheduleOfEstimatedUsefulLivesOfAssetsTableTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesTables" ], "lang": { "en-us": { "role": { "label": "The estimated useful lives of the assets are as follows:", "documentation": "Tabular disclosure of estimated useful lives of assets." } } }, "auth_ref": [] }, "us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock", "presentation": [ "http://westfieldbank.com/role/FairValueOfAssetsAndLiablitiesTables" ], "lang": { "en-us": { "role": { "label": "Assets and liabilities measured at fair value on a recurring basis are summarized below:", "documentation": "Tabular disclosure of assets and liabilities, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3)." } } }, "auth_ref": [ "r1405", "r1406" ] }, "us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock", "presentation": [ "http://westfieldbank.com/role/DerivativesAndHedgingActivitiesTables" ], "lang": { "en-us": { "role": { "label": "As of December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges:", "documentation": "Tabular disclosure for fair value hedging instruments of (a) the location and amount of gains and losses reported in the statement of financial performance and (b) the location and fair value amounts of the instruments reported in the statement of financial position." } } }, "auth_ref": [ "r87" ] }, "us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfFinancingReceivableAllowanceForCreditLossesTable", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Allowance for Credit Loss [Table]", "documentation": "Disclosure of information about allowance for credit loss on financing receivable." } } }, "auth_ref": [ "r266", "r1313" ] }, "us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesInformationAboutTotalLoansRatedSpecialMentionSubstandardDoubtfulOrLossForPeriodsNoted.Details", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Credit Quality Indicator [Table]", "documentation": "Disclosure of information about credit quality indicator for financing receivable." } } }, "auth_ref": [ "r223", "r1041", "r1315" ] }, "us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesTables" ], "lang": { "en-us": { "role": { "label": "The following table is a summary of the Company\u2019s nonperforming loans by major categories at December 31, 2024 and December 31, 2023:", "documentation": "Tabular disclosure of financing receivable on nonaccrual status." } } }, "auth_ref": [ "r226", "r457" ] }, "us-gaap_ScheduleOfFinancingReceivablesPastDueTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfFinancingReceivablesPastDueTable", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails", "http://westfieldbank.com/role/FollowingTableIsSummaryOfCompanysNonperformingLoansByMajorCategoriesAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablePresentsSummaryOfLoanPortfolioByMajorClassificationOfLoanAtPeriodsIndicatedDetails", "http://westfieldbank.com/role/FollowingTablesPresentAgeAnalysisOfPastDueLoansAsOfDatesIndicatedDetails", "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Financing Receivable, Past Due [Table]", "documentation": "Disclosure of information about aging analysis for financing receivable." } } }, "auth_ref": [ "r1042", "r1314" ] }, "us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfFiniteLivedIntangibleAssetsTable", "presentation": [ "http://westfieldbank.com/role/GoodwillAndOtherIntangiblesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Intangible Asset, Finite-Lived [Table]", "documentation": "Disclosure of information about finite-lived intangible asset. Excludes indefinite-lived intangible asset." } } }, "auth_ref": [ "r477", "r483", "r485", "r486", "r487", "r843", "r1014", "r1045" ] }, "wneb_ScheduleOfInterestExpenseOnDepositsTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ScheduleOfInterestExpenseOnDepositsTableTextBlock", "presentation": [ "http://westfieldbank.com/role/DepositsTables" ], "lang": { "en-us": { "role": { "label": "Interest expense on deposits for the years ended December 31, 2024, 2023 and 2022 is summarized as follows:", "documentation": "Schedule of interest expense on deposits." } } }, "auth_ref": [] }, "wneb_ScheduleOfLoansRatedDetailsTableTextblock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ScheduleOfLoansRatedDetailsTableTextblock", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesTables" ], "lang": { "en-us": { "role": { "label": "The following table summarizes information about total loans rated Special Mention, Substandard, Doubtful or Loss for the periods noted.", "documentation": "Tabular disclosure of information about total loans rated Special Mention, Substandard, Doubtful or Loss." } } }, "auth_ref": [] }, "wneb_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ScheduleOfMaturitiesOfTimeDepositsTableTextBlock", "presentation": [ "http://westfieldbank.com/role/DepositsTables" ], "lang": { "en-us": { "role": { "label": "The scheduled maturities of time deposits for the periods indicated are as follows:", "documentation": "Schedule of maturities of time deposits." } } }, "auth_ref": [] }, "wneb_ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2021TableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2021TableTextBlock", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanTables" ], "lang": { "en-us": { "role": { "label": "The Threshold, Target and Stretch metrics under the 2021 LTI Plan are as follows:", "documentation": "Schedule of original and adjusted threshold and target metrics under the LTI Plans." } } }, "auth_ref": [] }, "wneb_ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2022TableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2022TableTextBlock", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanTables" ], "lang": { "en-us": { "role": { "label": "The Threshold, Target and Stretch metrics under the 2022 LTI Plan are as follows:", "documentation": "Schedule of original and adjusted threshold and target metrics under the LTI Plans." } } }, "auth_ref": [] }, "wneb_ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2023TableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2023TableTextBlock", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanTables" ], "lang": { "en-us": { "role": { "label": "The Threshold, Target and Stretch metrics under the 2023 LTI Plan are as follows:", "documentation": "Schedule of original and adjusted threshold and target metrics under the LTI Plans." } } }, "auth_ref": [] }, "wneb_ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2024TableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2024TableTextBlock", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanTables" ], "lang": { "en-us": { "role": { "label": "The Threshold, Target and Stretch metrics under the 2024 LTI Plan are as follows:", "documentation": "The element represents schedule of original and adjusted threshold and target metrics under l t i plans2024 table text block." } } }, "auth_ref": [] }, "us-gaap_ScheduleOfOtherShareBasedCompensationActivityTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfOtherShareBasedCompensationActivityTableTextBlock", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanTables" ], "lang": { "en-us": { "role": { "label": "At December 31, 2024, the remaining principal balances are payable as follows:", "documentation": "Tabular disclosure of activity for outstanding award under share-based payment arrangement excluding share and unit options and nonvested award." } } }, "auth_ref": [ "r162" ] }, "us-gaap_ScheduleOfPropertyPlantAndEquipmentTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfPropertyPlantAndEquipmentTable", "presentation": [ "http://westfieldbank.com/role/EstimatedUsefulLivesOfAssetsAreAsFollowsDetails", "http://westfieldbank.com/role/PremisesAndEquipmentAreSummarizedAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Property, Plant and Equipment [Table]", "documentation": "Disclosure of information about physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation." } } }, "auth_ref": [ "r15", "r790" ] }, "us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfQuarterlyFinancialInformationTableTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfQuarterlyFinancialInformationTables" ], "lang": { "en-us": { "role": { "label": "The following tables present a summary of our quarterly financial information for the periods indicated.", "documentation": "Tabular disclosure of quarterly financial data. Includes, but is not limited to, financial information for fiscal quarters, cumulative effect of a change in accounting principle and earnings per share data." } } }, "auth_ref": [ "r241" ] }, "us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfRelatedPartyTransactionsTableTextBlock", "presentation": [ "http://westfieldbank.com/role/TransactionsWithDirectorsAndExecutiveOfficersTables" ], "lang": { "en-us": { "role": { "label": "Following is a summary of activity for such loans:", "documentation": "Tabular disclosure of related party transactions. Examples of related party transactions include, but are not limited to, transactions between (a) a parent company and its subsidiary; (b) subsidiaries of a common parent; (c) and entity and its principal owners and (d) affiliates." } } }, "auth_ref": [] }, "us-gaap_ScheduleOfServicingAssetsAtAmortizedValueTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfServicingAssetsAtAmortizedValueTextBlock", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesTables" ], "lang": { "en-us": { "role": { "label": "A summary of the activity in the balances of mortgage servicing rights follows:", "documentation": "Tabular disclosure of activity in the balance of servicing assets subsequently measured at amortized cost. Includes, but is not limited to, beginning and ending balances, additions, disposals, and amortization." } } }, "auth_ref": [ "r1441" ] }, "us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "http://westfieldbank.com/role/SummaryOfStatusOfUnvestedRestrictedStockAwardsAtDecember312024And2023IsPresentedBelowDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2022LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2023LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2024LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Schedule of Share-Based Compensation Arrangements by Share-Based Payment Award [Table]", "documentation": "Disclosure of information about share-based payment arrangement." } } }, "auth_ref": [ "r608", "r609", "r612", "r613", "r614", "r615", "r616", "r617", "r618", "r619", "r620", "r621", "r622", "r623", "r624", "r625", "r626", "r627", "r628", "r629", "r630", "r631", "r632", "r633", "r634", "r635", "r636", "r637" ] }, "us-gaap_ScheduleOfShortTermDebtTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ScheduleOfShortTermDebtTable", "presentation": [ "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails", "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Short-Term Debt [Table]", "documentation": "Disclosure of information about short-term debt arrangement. Includes, but is not limited to, description of arrangement, lender, repayment term, weighted-average interest rate, borrowed amount, and description and amount of refinancing of short-term obligation when obligation is excluded from current liability." } } }, "auth_ref": [ "r109" ] }, "wneb_ScheduleOfindividuallyEvaluatedCollateralDependentLoansTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ScheduleOfindividuallyEvaluatedCollateralDependentLoansTableTextBlock", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesTables" ], "lang": { "en-us": { "role": { "label": "The following table summarizes the Company\u2019s individually evaluated collateral dependent loans by class as of the dates indicated:", "documentation": "Tabular disclosure of individually evaluated collateral dependent loans." } } }, "auth_ref": [] }, "dei_Security12bTitle": { "xbrltype": "securityTitleItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "Security12bTitle", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Title of 12(b) Security", "documentation": "Title of a 12(b) registered security." } } }, "auth_ref": [ "r1103" ] }, "dei_Security12gTitle": { "xbrltype": "securityTitleItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "Security12gTitle", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Title of 12(g) Security", "documentation": "Title of a 12(g) registered security." } } }, "auth_ref": [ "r1107" ] }, "dei_SecurityExchangeName": { "xbrltype": "edgarExchangeCodeItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "SecurityExchangeName", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Security Exchange Name", "documentation": "Name of the Exchange on which a security is registered." } } }, "auth_ref": [ "r1106" ] }, "dei_SecurityReportingObligation": { "xbrltype": "securityReportingObligationItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "SecurityReportingObligation", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Security Reporting Obligation", "documentation": "15(d), indicating whether the security has a reporting obligation under that section of the Exchange Act." } } }, "auth_ref": [ "r1112" ] }, "us-gaap_SegmentReportingAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "SegmentReportingAbstract", "lang": { "en-us": { "role": { "label": "Segment Reporting [Abstract]" } } }, "auth_ref": [] }, "us-gaap_SegmentReportingDisclosureTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "SegmentReportingDisclosureTextBlock", "presentation": [ "http://westfieldbank.com/role/Segment" ], "lang": { "en-us": { "role": { "label": "SEGMENT", "documentation": "The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments." } } }, "auth_ref": [ "r214", "r363", "r366", "r367", "r368", "r369", "r370", "r376", "r377", "r378", "r381", "r382", "r383", "r384", "r385", "r386", "r387", "r389", "r1025", "r1026", "r1027", "r1028", "r1030", "r1031", "r1032" ] }, "wneb_ServiceChargesAndFeesIncome": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ServiceChargesAndFeesIncome", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestIncome", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Service charges and fees", "documentation": "The amount refers to service charges and fees." } } }, "auth_ref": [] }, "wneb_ServiceFeesIncome": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ServiceFeesIncome", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Servicing fee income", "documentation": "Servicing fee income." } } }, "auth_ref": [] }, "wneb_ServicedLoansForParticipants": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ServicedLoansForParticipants", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Serviced commercial loans for participants", "documentation": "Commercial loans serviced for participants at period end." } } }, "auth_ref": [] }, "us-gaap_ServicingAssetAtAmortizedValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ServicingAssetAtAmortizedValue", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/SummaryOfActivityInBalancesOfMortgageServicingRightsFollowsDetails" ], "lang": { "en-us": { "role": { "periodStartLabel": "Balance at the beginning of year:", "periodEndLabel": "Balance at the end of year", "label": "Servicing Asset at Amortized Cost", "documentation": "Amortized amount of contract to service financial assets under which the benefits of servicing are expected to more than adequately compensate the servicer." } } }, "auth_ref": [ "r822", "r830", "r1218" ] }, "us-gaap_ServicingAssetAtAmortizedValueAdditions": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ServicingAssetAtAmortizedValueAdditions", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/SummaryOfActivityInBalancesOfMortgageServicingRightsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Capitalized mortgage servicing rights", "documentation": "Amount of additions from purchases, assumption or transfer to contract to service financial assets under which the benefits of servicing are expected to more than adequately compensate the servicer." } } }, "auth_ref": [ "r831" ] }, "us-gaap_ServicingAssetAtAmortizedValueAmortization1": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ServicingAssetAtAmortizedValueAmortization1", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/SummaryOfActivityInBalancesOfMortgageServicingRightsFollowsDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Amortization", "label": "Servicing Asset at Amortized Cost, Amortization", "documentation": "Amount of amortization of contract to service financial assets under which the benefits of servicing are expected to more than adequately compensate the servicer." } } }, "auth_ref": [ "r833" ] }, "us-gaap_ServicingAssetAtFairValueAmount": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ServicingAssetAtFairValueAmount", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/SummaryOfActivityInBalancesOfMortgageServicingRightsFollowsDetails" ], "lang": { "en-us": { "role": { "periodEndLabel": "Fair value at the end of year", "label": "Servicing Asset at Fair Value, Amount", "documentation": "Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements." } } }, "auth_ref": [ "r736", "r737", "r822", "r823", "r824", "r826" ] }, "us-gaap_ShareBasedCompensation": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedCompensation", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows": { "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities", "weight": 1.0, "order": 9.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfCashFlows" ], "lang": { "en-us": { "role": { "label": "Share-based compensation expense", "documentation": "Amount of noncash expense for share-based payment arrangement." } } }, "auth_ref": [ "r13" ] }, "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1": { "xbrltype": "durationItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Vesting period", "documentation": "Period over which grantee's right to exercise award under share-based payment arrangement is no longer contingent on satisfaction of service or performance condition, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days. Includes, but is not limited to, combination of market, performance or service condition." } } }, "auth_ref": [ "r1063" ] }, "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod", "presentation": [ "http://westfieldbank.com/role/SummaryOfStatusOfUnvestedRestrictedStockAwardsAtDecember312024And2023IsPresentedBelowDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Shares forfeited", "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeited in Period", "documentation": "The number of equity-based payment instruments, excluding stock (or unit) options, that were forfeited during the reporting period." } } }, "auth_ref": [ "r628" ] }, "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue": { "xbrltype": "perShareItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue", "presentation": [ "http://westfieldbank.com/role/SummaryOfStatusOfUnvestedRestrictedStockAwardsAtDecember312024And2023IsPresentedBelowDetails" ], "lang": { "en-us": { "role": { "label": "Shares forfeited", "documentation": "Weighted average fair value as of the grant date of equity-based award plans other than stock (unit) option plans that were not exercised or put into effect as a result of the occurrence of a terminating event." } } }, "auth_ref": [ "r628" ] }, "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "http://westfieldbank.com/role/SummaryOfStatusOfUnvestedRestrictedStockAwardsAtDecember312024And2023IsPresentedBelowDetails" ], "lang": { "en-us": { "role": { "label": "Shares granted", "documentation": "The number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan)." } } }, "auth_ref": [ "r626" ] }, "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue": { "xbrltype": "perShareItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue", "presentation": [ "http://westfieldbank.com/role/SummaryOfStatusOfUnvestedRestrictedStockAwardsAtDecember312024And2023IsPresentedBelowDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Shares granted", "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value", "documentation": "The weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan)." } } }, "auth_ref": [ "r626" ] }, "wneb_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsPerDirectorInPeriod": { "xbrltype": "sharesItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsPerDirectorInPeriod", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Shares granted per director", "documentation": "The element represents share based compensation arrangement by share based payment award equity instruments other than options grants per director in period." } } }, "auth_ref": [] }, "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber", "presentation": [ "http://westfieldbank.com/role/SummaryOfStatusOfUnvestedRestrictedStockAwardsAtDecember312024And2023IsPresentedBelowDetails" ], "lang": { "en-us": { "role": { "periodStartLabel": "Beginning balance", "periodEndLabel": "Ending balance", "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number", "documentation": "The number of non-vested equity-based payment instruments, excluding stock (or unit) options, that validly exist and are outstanding as of the balance sheet date." } } }, "auth_ref": [ "r623", "r624" ] }, "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue": { "xbrltype": "perShareItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue", "presentation": [ "http://westfieldbank.com/role/SummaryOfStatusOfUnvestedRestrictedStockAwardsAtDecember312024And2023IsPresentedBelowDetails" ], "lang": { "en-us": { "role": { "periodStartLabel": "Beginning balance", "periodEndLabel": "Ending balance", "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value", "documentation": "Per share or unit weighted-average fair value of nonvested award under share-based payment arrangement. Excludes share and unit options." } } }, "auth_ref": [ "r623", "r624" ] }, "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod", "presentation": [ "http://westfieldbank.com/role/SummaryOfStatusOfUnvestedRestrictedStockAwardsAtDecember312024And2023IsPresentedBelowDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Shares vested", "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period", "documentation": "The number of equity-based payment instruments, excluding stock (or unit) options, that vested during the reporting period." } } }, "auth_ref": [ "r627" ] }, "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Fair value of restricted stock vested", "documentation": "Fair value of share-based awards for which the grantee gained the right by satisfying service and performance requirements, to receive or retain shares or units, other instruments, or cash." } } }, "auth_ref": [ "r630" ] }, "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue": { "xbrltype": "perShareItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue", "presentation": [ "http://westfieldbank.com/role/SummaryOfStatusOfUnvestedRestrictedStockAwardsAtDecember312024And2023IsPresentedBelowDetails" ], "lang": { "en-us": { "role": { "label": "Shares vested", "documentation": "The weighted average fair value as of grant date pertaining to an equity-based award plan other than a stock (or unit) option plan for which the grantee gained the right during the reporting period, by satisfying service and performance requirements, to receive or retain shares or units, other instruments, or cash in accordance with the terms of the arrangement." } } }, "auth_ref": [ "r627" ] }, "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "http://westfieldbank.com/role/SummaryOfStatusOfUnvestedRestrictedStockAwardsAtDecember312024And2023IsPresentedBelowDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2022LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2023LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2024LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [ "r608", "r609", "r612", "r613", "r614", "r615", "r616", "r617", "r618", "r619", "r620", "r621", "r622", "r623", "r624", "r625", "r626", "r627", "r628", "r629", "r630", "r631", "r632", "r633", "r634", "r635", "r636", "r637" ] }, "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Shares authorized", "documentation": "Number of shares authorized for issuance under share-based payment arrangement." } } }, "auth_ref": [ "r1064" ] }, "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Shares available for grant", "documentation": "The difference between the maximum number of shares (or other type of equity) authorized for issuance under the plan (including the effects of amendments and adjustments), and the sum of: 1) the number of shares (or other type of equity) already issued upon exercise of options or other equity-based awards under the plan; and 2) shares (or other type of equity) reserved for issuance on granting of outstanding awards, net of cancellations and forfeitures, if applicable." } } }, "auth_ref": [ "r68" ] }, "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Shares granted and fully vested", "documentation": "Number of fully vested and expected to vest options outstanding that can be converted into shares under option plan. Includes, but is not limited to, unvested options for which requisite service period has not been rendered but that are expected to vest based on achievement of performance condition, if forfeitures are recognized when they occur." } } }, "auth_ref": [ "r631" ] }, "us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "http://westfieldbank.com/role/SummaryOfStatusOfUnvestedRestrictedStockAwardsAtDecember312024And2023IsPresentedBelowDetails", "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" ], "lang": { "en-us": { "role": { "documentation": "Award under share-based payment arrangement." } } }, "auth_ref": [ "r612", "r613", "r614", "r615", "r616", "r617", "r618", "r619", "r620", "r621", "r622", "r623", "r624", "r625", "r626", "r627", "r628", "r629", "r630", "r631", "r632", "r633", "r634", "r635", "r636", "r637" ] }, "us-gaap_ShareBasedPaymentArrangementEmployeeMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedPaymentArrangementEmployeeMember", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Share-Based Payment Arrangement, Employee [Member]", "documentation": "Recipient, of award granted under share-based payment arrangement, over whom grantor exercises or has right to exercise sufficient control to establish employer-employee relationship based on law of pertinent jurisdiction. Includes, but is not limited to, nonemployee director treated as employee when acting as member of board of directors, if elected by grantor's shareholders or appointed to board position to be filled by shareholder election when existing term expires." } } }, "auth_ref": [ "r609", "r612", "r613", "r614", "r615", "r616", "r617", "r618", "r619", "r620", "r621", "r622", "r623", "r624", "r625", "r626", "r627", "r628", "r629", "r630", "r631", "r632", "r633", "r634", "r635", "r636", "r637" ] }, "us-gaap_ShareBasedPaymentArrangementNonemployeeMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShareBasedPaymentArrangementNonemployeeMember", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Share-Based Payment Arrangement, Nonemployee [Member]", "documentation": "Recipient, of award granted under share-based payment arrangement, over whom grantor does not exercise nor has right to exercise sufficient control to establish employer-employee relationship based on law of pertinent jurisdiction. Excludes nonemployee director treated as employee when acting as member of board of directors, if elected by grantor's shareholders or appointed to board position to be filled by shareholder election when existing term expires." } } }, "auth_ref": [ "r608", "r612", "r613", "r614", "r615", "r616", "r617", "r618", "r619", "r620", "r621", "r622", "r623", "r624", "r625", "r626", "r627", "r628", "r629", "r630", "r631", "r632", "r633", "r634", "r635", "r636", "r637" ] }, "us-gaap_SharePrice": { "xbrltype": "perShareItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "SharePrice", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Share Price", "documentation": "Price of a single share of a number of saleable stocks of a company." } } }, "auth_ref": [] }, "srt_ShareRepurchaseProgramAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "ShareRepurchaseProgramAxis", "presentation": [ "http://westfieldbank.com/role/RegulatoryCapitalDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Share Repurchase Program [Axis]", "documentation": "Information by share repurchase program." } } }, "auth_ref": [ "r1351" ] }, "srt_ShareRepurchaseProgramDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "ShareRepurchaseProgramDomain", "presentation": [ "http://westfieldbank.com/role/RegulatoryCapitalDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "Name of share repurchase program." } } }, "auth_ref": [ "r1351" ] }, "srt_ShareRepurchaseProgramLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "ShareRepurchaseProgramLineItems", "presentation": [ "http://westfieldbank.com/role/RegulatoryCapitalDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Share Repurchase Program [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [ "r1351" ] }, "srt_ShareRepurchaseProgramTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "ShareRepurchaseProgramTable", "presentation": [ "http://westfieldbank.com/role/RegulatoryCapitalDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Share Repurchase Program [Table]", "documentation": "Disclosure of information about share repurchase program." } } }, "auth_ref": [ "r1351" ] }, "us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Vesting percentage", "documentation": "Percentage of vesting of award under share-based payment arrangement." } } }, "auth_ref": [ "r1357" ] }, "wneb_SharebasedCompensationArrangementBySharebasedPaymentAwardTargetValuePercentagePaid": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "SharebasedCompensationArrangementBySharebasedPaymentAwardTargetValuePercentagePaid", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Target value percentage paid", "documentation": "The element represents sharebased compensation arrangement by sharebased payment award target value percentage paid." } } }, "auth_ref": [] }, "us-gaap_SharesOutstanding": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "SharesOutstanding", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "periodStartLabel": "Beginning balance, shares", "periodEndLabel": "Ending balance, shares", "label": "Shares, Outstanding", "documentation": "Number of shares issued which are neither cancelled nor held in the treasury." } } }, "auth_ref": [] }, "us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "SharesSubjectToMandatoryRedemptionSettlementTermsAmount", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_Liabilities", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "Securities pending settlement", "documentation": "Amount that would be paid, determined under the conditions specified in the contract, if the holder of the share has the right to redeem the shares." } } }, "auth_ref": [ "r58" ] }, "us-gaap_ShortTermBorrowings": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShortTermBorrowings", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_DebtLongtermAndShorttermCombinedAmount", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets", "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Short-term borrowings", "verboseLabel": "Short term borrowings", "documentation": "Reflects the total carrying amount as of the balance sheet date of debt having initial terms less than one year or the normal operating cycle, if longer." } } }, "auth_ref": [ "r107", "r181", "r1082", "r1449" ] }, "us-gaap_ShortTermDebtLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShortTermDebtLineItems", "presentation": [ "http://westfieldbank.com/role/AtDecember312024RemainingPrincipalBalancesArePayableAsFollowsDetails", "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Short-Term Debt [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [] }, "us-gaap_ShortTermDebtMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShortTermDebtMember", "presentation": [ "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Short-Term Debt [Member]", "documentation": "Debt arrangement having an initial term within one year or the normal operating cycle, if longer." } } }, "auth_ref": [] }, "us-gaap_ShortTermDebtTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShortTermDebtTextBlock", "presentation": [ "http://westfieldbank.com/role/Short-termBorrowings" ], "lang": { "en-us": { "role": { "label": "SHORT-TERM BORROWINGS", "documentation": "The entire disclosure for short-term debt." } } }, "auth_ref": [ "r156" ] }, "us-gaap_ShortTermDebtWeightedAverageInterestRate": { "xbrltype": "percentItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShortTermDebtWeightedAverageInterestRate", "presentation": [ "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Weighted average rate", "documentation": "Weighted average interest rate of short-term debt outstanding calculated at point in time." } } }, "auth_ref": [ "r108", "r499" ] }, "us-gaap_ShorttermDebtFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ShorttermDebtFairValue", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Short-term borrowings", "label": "Short-Term Debt, Fair Value", "documentation": "This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount of short-term debt existing as of the balance sheet date." } } }, "auth_ref": [ "r1405" ] }, "wneb_SmallBusinessInvestmentCompanyMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "SmallBusinessInvestmentCompanyMember", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Small Business Investment Company [Member]", "documentation": "Small Business Investment Company." } } }, "auth_ref": [] }, "wneb_SoftwareExpense": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "SoftwareExpense", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome": { "parentTag": "us-gaap_NoninterestExpense", "weight": 1.0, "order": 5.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Software", "documentation": "Amount of software expense during the period." } } }, "auth_ref": [] }, "dei_SolicitingMaterial": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "SolicitingMaterial", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Soliciting Material", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act." } } }, "auth_ref": [ "r1110" ] }, "wneb_SpecialMention11Member": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "SpecialMention11Member", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Special Mention (Rated 5) [Member]", "documentation": "Represents the special member." } } }, "auth_ref": [] }, "us-gaap_SpecialMentionMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "SpecialMentionMember", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesInformationAboutTotalLoansRatedSpecialMentionSubstandardDoubtfulOrLossForPeriodsNoted.Details" ], "lang": { "en-us": { "role": { "label": "Special Mention [Member]", "documentation": "A category of financing receivables considered to have potential weaknesses that deserve management's close attention. If left uncorrected, those potential weaknesses may result in a deterioration of the repayment prospects for the asset or of the creditor's position at some future date." } } }, "auth_ref": [ "r222", "r223", "r224", "r1315" ] }, "us-gaap_StandbyLettersOfCreditMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StandbyLettersOfCreditMember", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative", "http://westfieldbank.com/role/FollowingSummarizesTheseFinancialInstrumentsAndOtherCommitmentsAndContingentLiabilitiesAtTheirContractAmountsDetails" ], "lang": { "en-us": { "role": { "label": "Standby Letters of Credit [Member]", "documentation": "An irrevocable undertaking (typically by a financial institution) to guarantee payment of a specified financial obligation." } } }, "auth_ref": [ "r2", "r1340", "r1454", "r1455" ] }, "wneb_StateAndMunicipalBondsMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "StateAndMunicipalBondsMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details" ], "lang": { "en-us": { "role": { "label": "State and Municipal Bonds [Member]", "documentation": "Represents the state and municipal bonds." } } }, "auth_ref": [] }, "us-gaap_StatementEquityComponentsAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StatementEquityComponentsAxis", "presentation": [ "http://westfieldbank.com/role/ComponentsOfAccumulatedOtherComprehensiveLossIncludedInShareholdersEquityAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "label": "Equity Components [Axis]", "documentation": "Information by component of equity." } } }, "auth_ref": [ "r25", "r121", "r125", "r126", "r284", "r314", "r315", "r316", "r332", "r333", "r334", "r337", "r344", "r346", "r348", "r365", "r442", "r448", "r489", "r530", "r671", "r672", "r684", "r685", "r686", "r689", "r696", "r697", "r715", "r717", "r718", "r719", "r720", "r722", "r732", "r764", "r766", "r767", "r768", "r769", "r770", "r775", "r778", "r796", "r885", "r899", "r900", "r901", "r919", "r980" ] }, "us-gaap_StatementLineItems": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StatementLineItems", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity", "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquityParenthetical", "http://westfieldbank.com/role/IncomeTaxesDetailsNarrative", "http://westfieldbank.com/role/LeasesDetailsNarrative", "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details", "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Statement [Line Items]", "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table." } } }, "auth_ref": [ "r332", "r333", "r334", "r365", "r778", "r842", "r910", "r920", "r931", "r933", "r934", "r935", "r936", "r937", "r939", "r942", "r943", "r944", "r945", "r946", "r947", "r948", "r949", "r950", "r952", "r953", "r954", "r955", "r956", "r958", "r961", "r962", "r966", "r967", "r968", "r969", "r970", "r971", "r972", "r973", "r974", "r975", "r976", "r977", "r980", "r1092" ] }, "us-gaap_StatementOfCashFlowsAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StatementOfCashFlowsAbstract", "lang": { "en-us": { "role": { "label": "Statement of Cash Flows [Abstract]" } } }, "auth_ref": [] }, "us-gaap_StatementOfFinancialPositionAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StatementOfFinancialPositionAbstract", "lang": { "en-us": { "role": { "label": "Statement of Financial Position [Abstract]" } } }, "auth_ref": [] }, "us-gaap_StatementOfStockholdersEquityAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StatementOfStockholdersEquityAbstract", "auth_ref": [] }, "us-gaap_StatementTable": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StatementTable", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity", "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquityParenthetical", "http://westfieldbank.com/role/IncomeTaxesDetailsNarrative", "http://westfieldbank.com/role/LeasesDetailsNarrative", "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details", "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Statement [Table]", "documentation": "Disclosure of information about statement of comprehensive income, income, other comprehensive income, financial position, cash flows, and shareholders' equity." } } }, "auth_ref": [ "r332", "r333", "r334", "r365", "r392", "r778", "r842", "r910", "r920", "r931", "r933", "r934", "r935", "r936", "r937", "r939", "r942", "r943", "r944", "r945", "r946", "r947", "r948", "r949", "r950", "r952", "r953", "r954", "r955", "r956", "r958", "r961", "r962", "r966", "r967", "r968", "r969", "r970", "r971", "r972", "r973", "r974", "r975", "r976", "r977", "r980", "r1092" ] }, "us-gaap_StatutoryAccountingPracticesStatutoryAmountAvailableForDividendPaymentsWithoutRegulatoryApproval": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StatutoryAccountingPracticesStatutoryAmountAvailableForDividendPaymentsWithoutRegulatoryApproval", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/RegulatoryCapitalDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Amount available for payment of dividends without prior regulatory approval", "documentation": "Amount of dividends that can be declared or paid without approval of regulatory agency." } } }, "auth_ref": [] }, "ecd_StkPrcOrTsrEstimationMethodTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "StkPrcOrTsrEstimationMethodTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" ], "lang": { "en-us": { "role": { "label": "Stock Price or TSR Estimation Method" } } }, "auth_ref": [ "r1132", "r1143", "r1157", "r1183" ] }, "wneb_StockCompensationPlan2014Member": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "StockCompensationPlan2014Member", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "2014 RSA Plan [Member]", "documentation": "2014 RSA Plan" } } }, "auth_ref": [] }, "us-gaap_StockCompensationPlanMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StockCompensationPlanMember", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Share-Based Payment Arrangement [Member]", "documentation": "Share-based payment arrangement in which award of equity shares are granted. Arrangement includes, but is not limited to, grantor incurring liability for product and service based on price of its shares." } } }, "auth_ref": [ "r1264" ] }, "us-gaap_StockIssuedDuringPeriodSharesEmployeeStockOwnershipPlan": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StockIssuedDuringPeriodSharesEmployeeStockOwnershipPlan", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "label": "Issuance of common stock in connection with equity incentive plan (in shares)", "documentation": "Number of shares of capital stock issued (purchased by employees) in connection with an employee stock ownership plan." } } }, "auth_ref": [ "r25", "r69", "r120", "r121", "r159" ] }, "us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StockIssuedDuringPeriodSharesStockOptionsExercised", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "label": "Issuance of common stock in connection with stock option exercises, shares", "documentation": "Number of share options (or share units) exercised during the current period." } } }, "auth_ref": [ "r25", "r120", "r121", "r159", "r620" ] }, "us-gaap_StockIssuedDuringPeriodValueEmployeeStockOwnershipPlan": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StockIssuedDuringPeriodValueEmployeeStockOwnershipPlan", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "label": "Issuance of common stock in connection with equity incentive plan", "documentation": "Aggregate value of stock issued during the period as a result of employee stock ownership plan (ESOP)." } } }, "auth_ref": [ "r25", "r69", "r120", "r121", "r159" ] }, "us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StockIssuedDuringPeriodValueStockOptionsExercised", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "label": "Issuance of common stock in connection with stock option exercises", "documentation": "Value of stock issued as a result of the exercise of stock options." } } }, "auth_ref": [ "r25", "r121", "r125", "r126", "r159" ] }, "srt_StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased", "presentation": [ "http://westfieldbank.com/role/RegulatoryCapitalDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Number of shares authorized to be repurchased", "documentation": "Number of shares authorized to be purchased under share repurchase plan. Includes, but is not limited to, repurchase of stock and unit of ownership." } } }, "auth_ref": [ "r1351" ] }, "us-gaap_StockRepurchaseProgramRemainingNumberOfSharesAuthorizedToBeRepurchased": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StockRepurchaseProgramRemainingNumberOfSharesAuthorizedToBeRepurchased", "presentation": [ "http://westfieldbank.com/role/RegulatoryCapitalDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Shares remaining under plan", "documentation": "Number of shares remaining authorized to be purchased under share repurchase plan. Includes, but is not limited to, repurchase of stock and unit of ownership." } } }, "auth_ref": [] }, "us-gaap_StockRepurchasedAndRetiredDuringPeriodShares": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StockRepurchasedAndRetiredDuringPeriodShares", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquityParenthetical" ], "lang": { "en-us": { "role": { "label": "Forfeited equity incentive plan shares (in shares)", "documentation": "Number of shares that have been repurchased and retired during the period." } } }, "auth_ref": [ "r25", "r120", "r121", "r159" ] }, "us-gaap_StockRepurchasedAndRetiredDuringPeriodValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StockRepurchasedAndRetiredDuringPeriodValue", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "negatedLabel": "Forfeited equity incentive plan shares", "label": "Stock Repurchased and Retired During Period, Value", "documentation": "Equity impact of the value of stock that has been repurchased and retired during the period. The excess of the purchase price over par value can be charged against retained earnings (once the excess is fully allocated to additional paid in capital)." } } }, "auth_ref": [ "r25", "r120", "r121", "r159" ] }, "us-gaap_StockRepurchasedDuringPeriodShares": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StockRepurchasedDuringPeriodShares", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity", "http://westfieldbank.com/role/RegulatoryCapitalDetailsNarrative" ], "lang": { "en-us": { "role": { "negatedLabel": "Common stock repurchased, shares", "label": "Common stock repurchased (in shares)", "documentation": "Number of shares that have been repurchased during the period and have not been retired and are not held in treasury. Some state laws may govern the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock." } } }, "auth_ref": [ "r25", "r120", "r121", "r159", "r913", "r980", "r1007" ] }, "us-gaap_StockRepurchasedDuringPeriodValue": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StockRepurchasedDuringPeriodValue", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity" ], "lang": { "en-us": { "role": { "negatedLabel": "Common stock repurchased", "label": "Stock Repurchased During Period, Value", "documentation": "Equity impact of the value of stock that has been repurchased during the period and has not been retired and is not held in treasury. Some state laws may mandate the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock." } } }, "auth_ref": [ "r25", "r120", "r121", "r159", "r919", "r980", "r1007", "r1100" ] }, "us-gaap_StockholdersEquity": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StockholdersEquity", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails": { "parentTag": "us-gaap_TierOneRiskBasedCapital", "weight": 1.0, "order": 1.0 }, "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_LiabilitiesAndStockholdersEquity", "weight": 1.0, "order": 2.0 }, "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails": { "parentTag": "us-gaap_LiabilitiesAndStockholdersEquity", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/CondensedBalanceSheetsOfParentCompanyAreAsFollowsDetails", "http://westfieldbank.com/role/ConsolidatedBalanceSheets", "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity", "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails" ], "lang": { "en-us": { "role": { "totalLabel": "TOTAL SHAREHOLDERS\u2019 EQUITY", "periodStartLabel": "Beginning balance, value", "periodEndLabel": "Ending balance, value", "label": "Consolidated GAAP capital", "verboseLabel": "EQUITY", "documentation": "Amount of equity (deficit) attributable to parent. Excludes temporary equity and equity attributable to noncontrolling interest." } } }, "auth_ref": [ "r121", "r125", "r126", "r151", "r941", "r957", "r981", "r982", "r1082", "r1101", "r1255", "r1307", "r1421", "r1462" ] }, "us-gaap_StockholdersEquityAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "StockholdersEquityAbstract", "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "label": "SHAREHOLDERS\u2019 EQUITY:" } } }, "auth_ref": [] }, "wneb_StretchMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "StretchMember", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2022LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2023LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2024LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Stretch [Member]", "documentation": "It represents stretch member." } } }, "auth_ref": [] }, "us-gaap_SubordinatedDebt": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "SubordinatedDebt", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_DebtLongtermAndShorttermCombinedAmount", "weight": 1.0, "order": 3.0 }, "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails": { "parentTag": "us-gaap_Capital", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets", "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails", "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Subordinated debt", "documentation": "Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets." } } }, "auth_ref": [ "r33", "r109", "r185", "r1450" ] }, "wneb_SubordinatedDebtFairValue": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "SubordinatedDebtFairValue", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/EstimatedFairValuesOfOurFinancialInstrumentsAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Subordinated debt", "documentation": "The fair value amount of subordinated debt.", "label": "Subordinated Debt Fair Value" } } }, "auth_ref": [] }, "us-gaap_SubordinatedDebtMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "SubordinatedDebtMember", "presentation": [ "http://westfieldbank.com/role/Long-termDebtDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Subordinated Debt [Member]", "documentation": "This element represents domestic or foreign subordinated debt. Subordinated debt has a lower priority of repayment in liquidation of the entity's assets." } } }, "auth_ref": [] }, "srt_SubsidiariesMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/srt/2024", "localname": "SubsidiariesMember", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Subsidiaries [Member]", "documentation": "Entity in which controlling financial interest is held. Includes, but is not limited to, variable interest entity (VIE) consolidated by primary beneficiary. Excludes entity in which broker-dealer holds controlling financial interest but control is likely to be temporary." } } }, "auth_ref": [ "r1355", "r1429", "r1430", "r1431" ] }, "wneb_Substandard11Member": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "Substandard11Member", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostBasisByAggregatePassAndCriticizedCategoriesOfSpecialMentionAndSubstandardWithinCompanysInternalRiskRatingSystemByYearOfOriginationAsOfDecember312024And2023.Details" ], "lang": { "en-us": { "role": { "label": "Substandard (Rated 6) [Member]", "documentation": "Represents the substandard." } } }, "auth_ref": [] }, "us-gaap_SubstandardMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "SubstandardMember", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesInformationAboutTotalLoansRatedSpecialMentionSubstandardDoubtfulOrLossForPeriodsNoted.Details" ], "lang": { "en-us": { "role": { "label": "Substandard [Member]", "documentation": "A category of financing receivables that are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the creditor will sustain some loss if the deficiencies are not corrected." } } }, "auth_ref": [ "r222", "r223", "r224", "r1315" ] }, "us-gaap_SupplementalBalanceSheetDisclosuresTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "SupplementalBalanceSheetDisclosuresTextBlock", "presentation": [ "http://westfieldbank.com/role/LeasesTables" ], "lang": { "en-us": { "role": { "label": "Supplemental balance sheet information related to leases was as follows:", "documentation": "The entire disclosure for supplemental balance sheet disclosures, including descriptions and amounts for assets, liabilities, and equity." } } }, "auth_ref": [ "r1238" ] }, "us-gaap_SupplementalCashFlowInformationAbstract": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "SupplementalCashFlowInformationAbstract", "presentation": [ "http://westfieldbank.com/role/CondensedStatementsOfCashFlowsOfParentCompanyAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Supplemental cash flow information:" } } }, "auth_ref": [] }, "ecd_TabularListTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "TabularListTableTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Tabular List, Table" } } }, "auth_ref": [ "r1176" ] }, "wneb_TargetMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "TargetMember", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2022LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2023LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2024LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Target [Member]", "documentation": "Target." } } }, "auth_ref": [] }, "wneb_ThreeYearCumulativeDilutedEPS": { "xbrltype": "perShareItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ThreeYearCumulativeDilutedEPS", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Three-Year Cumulative Diluted EPS", "documentation": "The element represents three year cumulative diluted e p s." } } }, "auth_ref": [] }, "wneb_ThreeYearCumulativeEarningsPerShareDilutedFour": { "xbrltype": "perShareItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ThreeYearCumulativeEarningsPerShareDilutedFour", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2024LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Three-Year Cumulative Diluted EPS", "documentation": "Three-year cumulative earnings per share diluted.", "label": "Three-year Cumulative Diluted Earnings Per Share Four" } } }, "auth_ref": [] }, "wneb_ThreeYearCumulativeEarningsPerShareDilutedThree": { "xbrltype": "perShareItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ThreeYearCumulativeEarningsPerShareDilutedThree", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2023LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Three-Year Cumulative Diluted EPS", "documentation": "Three-year cumulative earnings per share diluted.", "label": "Three-year Cumulative Diluted Earnings Per Share Three" } } }, "auth_ref": [] }, "wneb_ThreeYearCumulativeEarningsPerShareDilutedTwo": { "xbrltype": "perShareItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ThreeYearCumulativeEarningsPerShareDilutedTwo", "presentation": [ "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2022LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "verboseLabel": "Three-Year Cumulative Diluted EPS", "documentation": "Three-year cumulative earnings per share diluted.", "label": "Three-year Cumulative Diluted Earnings Per Share Two" } } }, "auth_ref": [] }, "wneb_ThresholdMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "ThresholdMember", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2022LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2023LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2024LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Threshold [Member]", "documentation": "Threshold." } } }, "auth_ref": [] }, "us-gaap_TierOneLeverageCapital": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TierOneLeverageCapital", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Tier 1 Leverage ratio", "documentation": "Amount of Tier 1 leverage capital as defined by regulatory framework." } } }, "auth_ref": [ "r862" ] }, "us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TierOneLeverageCapitalRequiredForCapitalAdequacy", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Minimum amount of Tier 1 Leverage for adequacy purposes", "documentation": "Amount of minimum Tier 1 leverage capital required for capital adequacy as defined by regulatory framework." } } }, "auth_ref": [ "r862", "r866" ] }, "us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets": { "xbrltype": "pureItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Minimum amount of Tier 1 Leverage for adequacy purposes, ratio", "documentation": "Ratio of minimum Tier 1 leverage capital to average assets required for capital adequacy as defined by regulatory framework." } } }, "auth_ref": [ "r862", "r866" ] }, "us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TierOneLeverageCapitalRequiredToBeWellCapitalized", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "verboseLabel": "Minimum Tier 1 Capital required to be well-capitalized", "label": "Banking Regulation, Tier 1 Leverage Capital, Well Capitalized, Minimum", "documentation": "Amount of minimum Tier 1 leverage capital categorized as well capitalized as defined by regulatory framework for prompt corrective action." } } }, "auth_ref": [ "r862" ] }, "us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets": { "xbrltype": "pureItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Minimum Tier 1 Leverage required to be well-capitalized, ratio", "documentation": "Ratio of minimum Tier 1 leverage capital to average assets categorized as well capitalized as defined by regulatory framework for prompt corrective action." } } }, "auth_ref": [ "r862" ] }, "us-gaap_TierOneLeverageCapitalToAverageAssets": { "xbrltype": "pureItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TierOneLeverageCapitalToAverageAssets", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Tier 1 Leverage (to adjusted average assets) ratio", "documentation": "Ratio of Tier 1 capital to average assets as defined by regulatory framework." } } }, "auth_ref": [ "r862" ] }, "us-gaap_TierOneRiskBasedCapital": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TierOneRiskBasedCapital", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails": { "parentTag": "us-gaap_Capital", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails", "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Tier 1 Capital", "totalLabel": "Tier 1 and Common Equity Tier 1 capital", "documentation": "Amount of Tier 1 risk-based capital as defined by regulatory framework." } } }, "auth_ref": [ "r862" ] }, "us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TierOneRiskBasedCapitalRequiredForCapitalAdequacy", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Minimum amount of Tier 1 Capital for adequacy purposes", "documentation": "Amount of minimum Tier 1 risk-based capital required for capital adequacy as defined by regulatory framework." } } }, "auth_ref": [ "r862", "r866" ] }, "us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets": { "xbrltype": "pureItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Minimum amount of Tier 1 Capital for adequacy purposes, ratio", "documentation": "Ratio of minimum Tier 1 risk-based capital to risk-weighted assets required for capital adequacy as defined by regulatory framework." } } }, "auth_ref": [ "r862", "r866" ] }, "us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TierOneRiskBasedCapitalRequiredToBeWellCapitalized", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Minimum Tier 1 Capital required to be well-capitalized", "documentation": "Amount of minimum Tier 1 risk-based capital categorized as well capitalized as defined by regulatory framework for prompt corrective action." } } }, "auth_ref": [ "r862" ] }, "us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets": { "xbrltype": "pureItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Minimum Tier 1 Capital required to be well-capitalized, ratio", "documentation": "Ratio of minimum Tier 1 risk-based capital to risk-weighted assets categorized as well capitalized as defined by regulatory framework for prompt corrective action." } } }, "auth_ref": [ "r862" ] }, "us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets": { "xbrltype": "pureItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TierOneRiskBasedCapitalToRiskWeightedAssets", "presentation": [ "http://westfieldbank.com/role/OurActualCapitalRatiosOfDecember312024AndDecember312023AreAlsoPresentedInFollowingTable.Details" ], "lang": { "en-us": { "role": { "label": "Tier 1 Capital (to risk-weighted assets) ratio", "documentation": "Ratio of Tier 1 risk-based capital to risk-weighted assets as defined by regulatory framework." } } }, "auth_ref": [ "r862" ] }, "wneb_TimeBasedSharesMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "TimeBasedSharesMember", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Time Based Shares [Member]", "documentation": "Represents the time based." } } }, "auth_ref": [] }, "us-gaap_TimeDepositMaturitiesAfterYearFive": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TimeDepositMaturitiesAfterYearFive", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ScheduledMaturitiesOfTimeDepositsForPeriodsIndicatedAreAsFollowsDetails": { "parentTag": "us-gaap_TimeDeposits", "weight": 1.0, "order": 6.0 } }, "presentation": [ "http://westfieldbank.com/role/ScheduledMaturitiesOfTimeDepositsForPeriodsIndicatedAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "2029", "documentation": "Amount of time deposit maturing after fifth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r16" ] }, "us-gaap_TimeDepositMaturitiesYearFive": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TimeDepositMaturitiesYearFive", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ScheduledMaturitiesOfTimeDepositsForPeriodsIndicatedAreAsFollowsDetails": { "parentTag": "us-gaap_TimeDeposits", "weight": 1.0, "order": 5.0 } }, "presentation": [ "http://westfieldbank.com/role/ScheduledMaturitiesOfTimeDepositsForPeriodsIndicatedAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "2028", "documentation": "Amount of time deposit maturing in fifth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r16" ] }, "us-gaap_TimeDepositMaturitiesYearFour": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TimeDepositMaturitiesYearFour", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ScheduledMaturitiesOfTimeDepositsForPeriodsIndicatedAreAsFollowsDetails": { "parentTag": "us-gaap_TimeDeposits", "weight": 1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/ScheduledMaturitiesOfTimeDepositsForPeriodsIndicatedAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "2027", "documentation": "Amount of time deposit maturing in fourth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r16" ] }, "us-gaap_TimeDepositMaturitiesYearOne": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TimeDepositMaturitiesYearOne", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ScheduledMaturitiesOfTimeDepositsForPeriodsIndicatedAreAsFollowsDetails": { "parentTag": "us-gaap_TimeDeposits", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/ScheduledMaturitiesOfTimeDepositsForPeriodsIndicatedAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "2024", "documentation": "Amount of time deposit maturing in next fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r16" ] }, "us-gaap_TimeDepositMaturitiesYearThree": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TimeDepositMaturitiesYearThree", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ScheduledMaturitiesOfTimeDepositsForPeriodsIndicatedAreAsFollowsDetails": { "parentTag": "us-gaap_TimeDeposits", "weight": 1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/ScheduledMaturitiesOfTimeDepositsForPeriodsIndicatedAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "2026", "documentation": "Amount of time deposit maturing in third fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r16" ] }, "us-gaap_TimeDepositMaturitiesYearTwo": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TimeDepositMaturitiesYearTwo", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/ScheduledMaturitiesOfTimeDepositsForPeriodsIndicatedAreAsFollowsDetails": { "parentTag": "us-gaap_TimeDeposits", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/ScheduledMaturitiesOfTimeDepositsForPeriodsIndicatedAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "2025", "documentation": "Amount of time deposit maturing in second fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)." } } }, "auth_ref": [ "r16" ] }, "us-gaap_TimeDeposits": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TimeDeposits", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails": { "parentTag": "us-gaap_Deposits", "weight": 1.0, "order": 2.0 }, "http://westfieldbank.com/role/ScheduledMaturitiesOfTimeDepositsForPeriodsIndicatedAreAsFollowsDetails": { "parentTag": null, "weight": null, "order": null, "root": true } }, "presentation": [ "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails", "http://westfieldbank.com/role/ScheduledMaturitiesOfTimeDepositsForPeriodsIndicatedAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Time deposits", "totalLabel": "Total time deposits", "documentation": "Amount of time deposit liabilities, including certificates of deposit." } } }, "auth_ref": [ "r19", "r179" ] }, "wneb_TimeDepositsOver250000": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "TimeDepositsOver250000", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/DepositsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Time deposits $250,000 or more", "documentation": "Time deposits over 250000." } } }, "auth_ref": [] }, "wneb_TotalCoreDeposits": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "TotalCoreDeposits", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails": { "parentTag": "us-gaap_Deposits", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Total core deposits", "documentation": "The element represents total core deposits." } } }, "auth_ref": [] }, "wneb_TotalCoreDepositsPercentage": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "TotalCoreDepositsPercentage", "presentation": [ "http://westfieldbank.com/role/DepositAccountsByTypeAreSummarizedAsFollowsForPeriodsIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "Total core deposits percentage", "documentation": "The element represents total core deposits percentage." } } }, "auth_ref": [] }, "ecd_TotalShareholderRtnAmt": { "xbrltype": "monetaryItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "TotalShareholderRtnAmt", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Total Shareholder Return Amount" } } }, "auth_ref": [ "r1168" ] }, "ecd_TotalShareholderRtnVsPeerGroupTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "TotalShareholderRtnVsPeerGroupTextBlock", "presentation": [ "http://xbrl.sec.gov/ecd/role/PvpDisclosure" ], "lang": { "en-us": { "role": { "label": "Total Shareholder Return Vs Peer Group" } } }, "auth_ref": [ "r1175" ] }, "ecd_TradingArrAxis": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "TradingArrAxis", "presentation": [ "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" ], "lang": { "en-us": { "role": { "label": "Trading Arrangement [Axis]" } } }, "auth_ref": [ "r1196" ] }, "ecd_TradingArrByIndTable": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "TradingArrByIndTable", "presentation": [ "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" ], "lang": { "en-us": { "role": { "label": "Trading Arrangements, by Individual [Table]" } } }, "auth_ref": [ "r1198" ] }, "dei_TradingSymbol": { "xbrltype": "tradingSymbolItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "TradingSymbol", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Trading Symbol", "documentation": "Trading symbol of an instrument as listed on an exchange." } } }, "auth_ref": [] }, "us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TransfersAndServicingOfFinancialAssetsPolicyTextBlock", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Transfers and Servicing of Financial Assets", "documentation": "Disclosure of accounting policy for transfers and servicing financial assets, including securitization transactions as well as repurchase and resale agreements. This disclosure may include how the entity (1) determines whether a transaction is accounted for as a sale; (2) accounts for a sale transaction, including the initial and subsequent accounting for any interests that the entity obtains or continues to hold in the transaction, how such interests are valued, and the significant assumptions used in the valuation; (3) accounts for a transaction that does not qualify for sale treatment (that is, a financing); and (4) accounts for its servicing assets and liabilities (\"servicing\"), including how such servicing is measured initially and subsequently, and the methodology and significant assumptions used to value such servicing." } } }, "auth_ref": [ "r29", "r100", "r812", "r818", "r825" ] }, "us-gaap_TransfersAndServicingOfFinancialAssetsServicingOfFinancialAssetsPolicy": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TransfersAndServicingOfFinancialAssetsServicingOfFinancialAssetsPolicy", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Servicing", "documentation": "Disclosure of accounting policy for servicing assets and liabilities including, but not necessarily limited to: (a) how a servicing asset or servicing liability is initially recognized and measured, (b) management's basis for determining its classes of servicing assets and servicing liabilities, (c) where contractually specified fees, late fees or ancillary fees are reported in the statement of income, (d) how the entity subsequently measures each class of servicing assets and servicing liabilities (that is, by using the amortization method or fair value method), and the methodology and significant assumptions used to value such servicing, (e) for those classes subsequently measured using the amortization method, where changes in the carrying amount are reported in the statement of income and how such servicing assets and liabilities are evaluated for impairment, and (f) for those classes subsequently measured at fair value, where changes in the fair value are reported in the statement of income." } } }, "auth_ref": [ "r29", "r100", "r174", "r175" ] }, "us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain", "presentation": [ "http://westfieldbank.com/role/AmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024ByFinalMaturityAreShownBelow.Details", "http://westfieldbank.com/role/AsOfDecember312023FollowingAmountsWereRecordedOnBalanceSheetRelatedToCumulativeBasisAdjustmentOfFairValueHedgesDetails", "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details", "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative", "http://westfieldbank.com/role/Long-termDebtDetailsNarrative", "http://westfieldbank.com/role/Short-termBorrowingsDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "Instrument or contract that imposes a contractual obligation to deliver cash or another financial instrument or to exchange other financial instruments on potentially unfavorable terms and conveys a contractual right to receive cash or another financial instrument or to exchange other financial instruments on potentially favorable terms." } } }, "auth_ref": [ "r403", "r404", "r405", "r406", "r407", "r408", "r409", "r411", "r412", "r413", "r414", "r415", "r416", "r417", "r418", "r419", "r420", "r421", "r422", "r423", "r424", "r425", "r426", "r427", "r428", "r429", "r430", "r431", "r432", "r433", "r525", "r529", "r723", "r754", "r803", "r804", "r805", "r806", "r807", "r808", "r809", "r810", "r811", "r813", "r814", "r815", "r816", "r817", "r820", "r826", "r827", "r828", "r829", "r830", "r831", "r832", "r833", "r834", "r835", "r836", "r837", "r838", "r839", "r840", "r886", "r1070", "r1072", "r1073", "r1074", "r1075", "r1076", "r1077", "r1078", "r1079", "r1084", "r1222", "r1223", "r1224", "r1225", "r1226", "r1227", "r1228", "r1302", "r1303", "r1304", "r1305", "r1404", "r1407", "r1408", "r1409", "r1416", "r1419" ] }, "ecd_TrdArrAdoptionDate": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "TrdArrAdoptionDate", "presentation": [ "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" ], "lang": { "en-us": { "role": { "label": "Adoption Date" } } }, "auth_ref": [ "r1199" ] }, "ecd_TrdArrDuration": { "xbrltype": "durationItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "TrdArrDuration", "presentation": [ "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" ], "lang": { "en-us": { "role": { "label": "Arrangement Duration" } } }, "auth_ref": [ "r1200" ] }, "ecd_TrdArrExpirationDate": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "TrdArrExpirationDate", "presentation": [ "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" ], "lang": { "en-us": { "role": { "label": "Expiration Date" } } }, "auth_ref": [ "r1200" ] }, "ecd_TrdArrIndName": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "TrdArrIndName", "presentation": [ "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" ], "lang": { "en-us": { "role": { "verboseLabel": "Name", "label": "Trading Arrangement, Individual Name" } } }, "auth_ref": [ "r1198" ] }, "ecd_TrdArrIndTitle": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "TrdArrIndTitle", "presentation": [ "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" ], "lang": { "en-us": { "role": { "label": "Title" } } }, "auth_ref": [ "r1198" ] }, "ecd_TrdArrTerminationDate": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "TrdArrTerminationDate", "presentation": [ "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" ], "lang": { "en-us": { "role": { "label": "Termination Date" } } }, "auth_ref": [ "r1199" ] }, "us-gaap_TreasuryStockAcquiredAverageCostPerShare": { "xbrltype": "perShareItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TreasuryStockAcquiredAverageCostPerShare", "presentation": [ "http://westfieldbank.com/role/RegulatoryCapitalDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Common stock repurchased, average price per share", "documentation": "Total cost of shares repurchased divided by the total number of shares repurchased." } } }, "auth_ref": [ "r61" ] }, "us-gaap_TypeOfAdoptionMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "TypeOfAdoptionMember", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfChangesInShareholdersEquityParenthetical" ], "lang": { "en-us": { "role": { "documentation": "Amendment to accounting standards." } } }, "auth_ref": [ "r282", "r283", "r284", "r285", "r286", "r287", "r336", "r337", "r338", "r339", "r349", "r390", "r391", "r439", "r440", "r441", "r442", "r443", "r444", "r445", "r446", "r447", "r448", "r488", "r489", "r490", "r671", "r672", "r673", "r674", "r675", "r681", "r682", "r683", "r684", "r685", "r686", "r687", "r688", "r689", "r690", "r691", "r692", "r693", "r694", "r695", "r696", "r697", "r712", "r713", "r714", "r715", "r716", "r717", "r718", "r719", "r720", "r721", "r722", "r724", "r725", "r726", "r727", "r728", "r729", "r730", "r731", "r732", "r733", "r734", "r757", "r758", "r774", "r775", "r776", "r791", "r792", "r793", "r794", "r795", "r796", "r844", "r845", "r846", "r897", "r898", "r899", "r900", "r901", "r902", "r903", "r904", "r905", "r906", "r907", "r908" ] }, "wneb_USGovernmentGuaranteedMortgageBackedSecuritiesMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "USGovernmentGuaranteedMortgageBackedSecuritiesMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "U.S. government guaranteed mortgage-backed securities [Member]", "documentation": "U.S. government guaranteed mortgage-backed securities." } } }, "auth_ref": [] }, "wneb_USGovernmentGuaranteedObligationsMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "USGovernmentGuaranteedObligationsMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details" ], "lang": { "en-us": { "role": { "label": "U.S. Government Guaranteed Obligations [Member]", "documentation": "U.S. Government Guaranteed Obligations." } } }, "auth_ref": [] }, "us-gaap_USTreasurySecuritiesMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "USTreasurySecuritiesMember", "presentation": [ "http://westfieldbank.com/role/FollowingTablesSummarizeAmortizedCostAndFairValueOfSecuritiesAvailable-for-saleAndHeld-to-maturityAtDecember312024AndDecember312023Details", "http://westfieldbank.com/role/FollowingTablesSummarizeGrossUnrealizedLossesAndFairValueOfCompanysSecuritiesAvailable-for-saleAndHeld-to-maturitySegregatedByDurationOfTheirContinuousUnrealizedLossPositionsAtDecember312024And2023Details", "http://westfieldbank.com/role/InvestmentSecuritiesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "US Treasury Securities [Member]", "documentation": "This category includes information about debt securities issued by the United States Department of the Treasury and backed by the United States government. Such securities primarily consist of treasury bills (short-term maturities - one year or less), treasury notes (intermediate term maturities - two to ten years), and treasury bonds (long-term maturities - ten to thirty years)." } } }, "auth_ref": [ "r1021", "r1052", "r1054", "r1070", "r1445" ] }, "wneb_UnallocatedMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "UnallocatedMember", "presentation": [ "http://westfieldbank.com/role/AnalysisOfChangesInAllowanceForCreditLossesForLoansAndOff-balanceSheetCommitmentsBySegmentForYearsEndedDecember312024And2023IsAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Unallocated [Member]", "documentation": "Information related to unallocaetd." } } }, "auth_ref": [] }, "ecd_UndrlygSecurityMktPriceChngPct": { "xbrltype": "pureItemType", "nsuri": "http://xbrl.sec.gov/ecd/2024", "localname": "UndrlygSecurityMktPriceChngPct", "presentation": [ "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" ], "lang": { "en-us": { "role": { "label": "Underlying Security Market Price Change" } } }, "auth_ref": [ "r1195" ] }, "us-gaap_UnearnedESOPShares": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "UnearnedESOPShares", "crdr": "debit", "calculation": { "http://westfieldbank.com/role/ConsolidatedBalanceSheets": { "parentTag": "us-gaap_StockholdersEquity", "weight": -1.0, "order": 4.0 } }, "presentation": [ "http://westfieldbank.com/role/ConsolidatedBalanceSheets" ], "lang": { "en-us": { "role": { "negatedLabel": "Unearned compensation \u2013 Employee Stock Ownership Plan (\u201cESOP\u201d)", "label": "Unearned ESOP Shares", "documentation": "Fair value of unearned shares for all classes of common stock and nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by an employee stock ownership plan (ESOP). Includes the sale of shares or the issuance treasury shares to an ESOP." } } }, "auth_ref": [ "r71", "r77" ] }, "wneb_UnfundedCommitment": { "xbrltype": "monetaryItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "UnfundedCommitment", "crdr": "debit", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Unfunded commitment to partnership", "documentation": "The amount of unfunded commitment to partnership." } } }, "auth_ref": [] }, "us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "UnrealizedGainLossOnInvestmentsTableTextBlock", "presentation": [ "http://westfieldbank.com/role/InvestmentSecuritiesTables" ], "lang": { "en-us": { "role": { "label": "The following tables summarize the gross unrealized losses and fair value of the Company\u2019s securities available-for-sale and held-to-maturity, segregated by the duration of their continuous unrealized loss positions at December 31, 2024 and 2023:", "documentation": "Tabular disclosure of unrealized gains and losses on investments." } } }, "auth_ref": [] }, "us-gaap_UnusedCommitmentsToExtendCredit": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "UnusedCommitmentsToExtendCredit", "crdr": "credit", "presentation": [ "http://westfieldbank.com/role/CommitmentsAndContingenciesDetailsNarrative", "http://westfieldbank.com/role/FollowingSummarizesTheseFinancialInstrumentsAndOtherCommitmentsAndContingentLiabilitiesAtTheirContractAmountsDetails" ], "lang": { "en-us": { "role": { "label": "Commitments to extend credit", "documentation": "Unused amount of commitments to extend credit to customers." } } }, "auth_ref": [] }, "us-gaap_UnusedLinesOfCreditMember": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "UnusedLinesOfCreditMember", "presentation": [ "http://westfieldbank.com/role/FollowingSummarizesTheseFinancialInstrumentsAndOtherCommitmentsAndContingentLiabilitiesAtTheirContractAmountsDetails" ], "lang": { "en-us": { "role": { "label": "Unused lines of Credit [Member]", "documentation": "The unused portion of a line of credit that is available to the borrower to withdrawn upon." } } }, "auth_ref": [] }, "us-gaap_UseOfEstimates": { "xbrltype": "textBlockItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "UseOfEstimates", "presentation": [ "http://westfieldbank.com/role/SummaryOfSignificantAccountingPoliciesPolicies" ], "lang": { "en-us": { "role": { "label": "Estimates", "documentation": "Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles." } } }, "auth_ref": [ "r50", "r51", "r52", "r245", "r246", "r249", "r250" ] }, "us-gaap_ValuationAllowancesAndReservesBalance": { "xbrltype": "monetaryItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "ValuationAllowancesAndReservesBalance", "crdr": "credit", "calculation": { "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails": { "parentTag": "us-gaap_Capital", "weight": 1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/FollowingIsReconciliationOfOurGaapCapitalToRegulatoryTier1CommonEquityTier1AndTotalCapitalDetails" ], "lang": { "en-us": { "role": { "label": "Allowance for credit losses for regulatory capital", "documentation": "Amount of valuation and qualifying accounts and reserves." } } }, "auth_ref": [ "r330", "r331" ] }, "us-gaap_VariableRateAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "VariableRateAxis", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Variable Rate [Axis]", "documentation": "Information by type of variable rate." } } }, "auth_ref": [] }, "us-gaap_VariableRateDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "VariableRateDomain", "presentation": [ "http://westfieldbank.com/role/RetirementPlansAndEmployeeBenefitsDetailsNarrative" ], "lang": { "en-us": { "role": { "documentation": "Interest rate that fluctuates over time as a result of an underlying benchmark interest rate or index." } } }, "auth_ref": [] }, "us-gaap_VestingAxis": { "xbrltype": "stringItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "VestingAxis", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2022LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2023LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2024LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "label": "Vesting [Axis]", "documentation": "Information by vesting schedule of award under share-based payment arrangement." } } }, "auth_ref": [ "r1357", "r1358", "r1359", "r1360", "r1361", "r1362", "r1363", "r1364", "r1365", "r1366", "r1367", "r1368", "r1369", "r1370", "r1371", "r1372", "r1373", "r1374", "r1375", "r1376", "r1377", "r1378", "r1379", "r1380", "r1381", "r1382" ] }, "us-gaap_VestingDomain": { "xbrltype": "domainItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "VestingDomain", "presentation": [ "http://westfieldbank.com/role/StockPlansAndEmployeeStockOwnershipPlanDetailsNarrative", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2021LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2022LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2023LtiPlanAreAsFollowsDetails", "http://westfieldbank.com/role/ThresholdTargetAndStretchMetricsUnder2024LtiPlanAreAsFollowsDetails" ], "lang": { "en-us": { "role": { "documentation": "Vesting schedule of award under share-based payment arrangement." } } }, "auth_ref": [ "r1357", "r1358", "r1359", "r1360", "r1361", "r1362", "r1363", "r1364", "r1365", "r1366", "r1367", "r1368", "r1369", "r1370", "r1371", "r1372", "r1373", "r1374", "r1375", "r1376", "r1377", "r1378", "r1379", "r1380", "r1381", "r1382" ] }, "wneb_WeightedAverageInternalRateOfReturnPercentage": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "WeightedAverageInternalRateOfReturnPercentage", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Weighted average internal rate of return", "documentation": "It represents the percentage of weighted average internal rate of return." } } }, "auth_ref": [] }, "us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "WeightedAverageNumberOfDilutedSharesOutstanding", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Weighted average diluted shares outstanding", "documentation": "The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period." } } }, "auth_ref": [ "r351", "r360" ] }, "us-gaap_WeightedAverageNumberOfSharesContingentlyIssuable": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "WeightedAverageNumberOfSharesContingentlyIssuable", "calculation": { "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails": { "parentTag": "wneb_AverageNumberOfCommonSharesOutstandingUsedToCalculateBasicEarningsPerCommonShare", "weight": -1.0, "order": 3.0 } }, "presentation": [ "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Less: Average unvested performance-based equity incentive plan shares", "label": "Weighted Average Number of Shares, Contingently Issuable", "documentation": "Shares issuable for little or no cash consideration upon the satisfaction of certain conditions (contingently issuable shares) are considered outstanding common shares and included in the computation of basic Earnings Per Share as of the date that all necessary conditions have been satisfied (in essence, when issuance of the shares is no longer contingent). Outstanding common shares that are contingently returnable (that is, subject to recall) are treated in the same manner as contingently issuable shares. Contingently issuable shares include shares that (a) will be issued in the future upon the satisfaction of specified conditions, (b) have been placed in escrow and all or part must be returned if specified conditions are not met, or (c) have been issued but the holder must return all or part if specified conditions are not met. The number of contingently issuable shares is determined by relating the portion of time within a reporting period that these shares have been outstanding to the total time in that period." } } }, "auth_ref": [ "r47" ] }, "us-gaap_WeightedAverageNumberOfSharesEmployeeStockOwnershipPlanSharesNotCommittedToBeReleased": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "WeightedAverageNumberOfSharesEmployeeStockOwnershipPlanSharesNotCommittedToBeReleased", "calculation": { "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails": { "parentTag": "wneb_AverageNumberOfCommonSharesOutstandingUsedToCalculateBasicEarningsPerCommonShare", "weight": -1.0, "order": 2.0 } }, "presentation": [ "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails" ], "lang": { "en-us": { "role": { "negatedLabel": "Less: Average unallocated ESOP Shares", "label": "Weighted Average Number of Shares, Employee Stock Ownership Plan Shares Not Committed to be Released", "documentation": "Number of employee stock ownership plan (ESOP) shares that have not been committed to be released determined by relating the portion of time within a reporting period that these shares have been outstanding to the total time in that period." } } }, "auth_ref": [ "r72" ] }, "us-gaap_WeightedAverageNumberOfSharesIssuedBasic": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "WeightedAverageNumberOfSharesIssuedBasic", "calculation": { "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails": { "parentTag": "wneb_AverageNumberOfCommonSharesOutstandingUsedToCalculateBasicEarningsPerCommonShare", "weight": 1.0, "order": 1.0 } }, "presentation": [ "http://westfieldbank.com/role/EarningsPerCommonShareForYearsEndedDecember3120242023And2022HaveBeenComputedBasedOnFollowingDetails" ], "lang": { "en-us": { "role": { "label": "Average number of common shares issued", "documentation": "This element represents the weighted average total number of shares issued throughout the period including the first (beginning balance outstanding) and last (ending balance outstanding) day of the period before considering any reductions (for instance, shares held in treasury) to arrive at the weighted average number of shares outstanding. Weighted average relates to the portion of time within a reporting period that common shares have been issued and outstanding to the total time in that period. Such concept is used in determining the weighted average number of shares outstanding for purposes of calculating earnings per share (basic)." } } }, "auth_ref": [ "r46", "r47" ] }, "us-gaap_WeightedAverageNumberOfSharesOutstandingBasic": { "xbrltype": "sharesItemType", "nsuri": "http://fasb.org/us-gaap/2024", "localname": "WeightedAverageNumberOfSharesOutstandingBasic", "presentation": [ "http://westfieldbank.com/role/ConsolidatedStatementsOfNetIncome" ], "lang": { "en-us": { "role": { "label": "Weighted average basic shares outstanding", "documentation": "Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period." } } }, "auth_ref": [ "r350", "r360" ] }, "wneb_WeightedAveragePrepaymentSpeedPublicSecuritiesAssociationStandardPrepaymentModel": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "WeightedAveragePrepaymentSpeedPublicSecuritiesAssociationStandardPrepaymentModel", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Weighted average prepayment speed, PSA", "documentation": "Weighted average prepayment speed, Public Securities Association Standard Prepayment Model." } } }, "auth_ref": [] }, "wneb_WeightedAverageServicingFeePercentage": { "xbrltype": "percentItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "WeightedAverageServicingFeePercentage", "presentation": [ "http://westfieldbank.com/role/LoansAndAllowanceForCreditLossesDetailsNarrative" ], "lang": { "en-us": { "role": { "label": "Weighted average servicing fee percentage", "documentation": "It represents the percentage of weighted average servicing fee." } } }, "auth_ref": [] }, "wneb_WithAllowanceRecordedMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "WithAllowanceRecordedMember", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "With an allowance recorded [Member]", "documentation": "With an allowance recorded." } } }, "auth_ref": [] }, "wneb_WithNoRelatedAllowanceRecordedMember": { "xbrltype": "domainItemType", "nsuri": "http://westfieldbank.com/20241231", "localname": "WithNoRelatedAllowanceRecordedMember", "presentation": [ "http://westfieldbank.com/role/FollowingTableSummarizesCompanysIndividuallyEvaluatedCollateralDependentLoansByClassAsOfDatesIndicatedDetails" ], "lang": { "en-us": { "role": { "label": "With no related allowance recorded [Member]", "documentation": "With no related allowance recorded." } } }, "auth_ref": [] }, "dei_WrittenCommunications": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "WrittenCommunications", "presentation": [ "http://westfieldbank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Written Communications", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act." } } }, "auth_ref": [ "r1215" ] } } } }, "std_ref": { "r0": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "05", "Paragraph": "1", "SubTopic": "10", "Topic": "970", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482170/970-10-05-1" }, "r1": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "05", "Paragraph": "4", "SubTopic": "10", "Topic": "360", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482338/360-10-05-4" }, "r2": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "15", "Paragraph": "12", "Subparagraph": "(f)(2)", "SubTopic": "10", "Topic": "810", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481410/810-10-15-12" }, "r3": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "25", "Paragraph": "1", "Subparagraph": "(a)", "SubTopic": "740", "Topic": "942", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478010/942-740-25-1" }, "r4": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "SubTopic": "230", "Topic": "830", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477401/830-230-45-1" }, "r5": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "10A", "SubTopic": "10", "Topic": "220", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-10A" }, "r6": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "10A", "Subparagraph": "(j)", "SubTopic": "10", "Topic": "220", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-10A" }, "r7": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "10A", "Subparagraph": "(k)", "SubTopic": "10", "Topic": "220", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-10A" }, "r8": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "12", "SubTopic": "10", "Topic": "220", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-12" }, "r9": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "14", "Subparagraph": "(a)", "SubTopic": "10", "Topic": "230", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-14" }, "r10": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "15", "SubTopic": "10", "Topic": "220", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-15" }, "r11": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "21C", "SubTopic": "10", "Topic": "230", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-21C" }, "r12": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "25", "Subparagraph": "(g)", "SubTopic": "10", "Topic": "230", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-25" }, "r13": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "28", "Subparagraph": "(a)", "SubTopic": "10", "Topic": "230", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-28" }, "r14": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "28", "Subparagraph": "(b)", "SubTopic": "10", "Topic": "230", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-28" }, "r15": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "SubTopic": "10", "Topic": "360", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482099/360-10-50-1" }, "r16": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "SubTopic": "10", "Topic": "470", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481544/470-10-50-1" }, "r17": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "SubTopic": "20", "Topic": "715", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r18": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "SubTopic": "30", "Topic": "715", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481097/715-30-50-1" }, "r19": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "SubTopic": "405", "Topic": "942", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478353/942-405-50-1" }, "r20": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "SubTopic": "60", "Topic": "715", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480266/715-60-50-1" }, "r21": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)", "SubTopic": "740", "Topic": "942", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477617/942-740-50-1" }, "r22": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)", "SubTopic": "740", "Topic": "944", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478822/944-740-50-1" }, "r23": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(c)", "SubTopic": "740", "Topic": "942", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477617/942-740-50-1" }, "r24": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1A", "Subparagraph": "(c)(3)", "SubTopic": "10", "Topic": "810", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-1A" }, "r25": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "SubTopic": "10", "Topic": "505", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-2" }, "r26": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "SubTopic": "10", "Topic": "815", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-2" }, "r27": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "SubTopic": "80", "Topic": "715", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-2" }, "r28": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2A", "Subparagraph": "(a)", "SubTopic": "10", "Topic": "718", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2A" }, "r29": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(a)", "SubTopic": "50", "Topic": "860", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-3" }, "r30": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4D", "Subparagraph": "(c)(2)", "SubTopic": "20", "Topic": "860", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4D" }, "r31": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "50", "Subparagraph": "(c)", "Paragraph": "2", "SubTopic": "10", "Topic": "718", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r32": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "15", "SubTopic": "10", "Topic": "220", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482739/220-10-55-15" }, "r33": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(22))", "SubTopic": "10", "Topic": "210", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r34": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "220", "SubTopic": "10", "Section": "45", "Paragraph": "14", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-14" }, "r35": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "220", "SubTopic": "10", "Section": "45", "Paragraph": "14A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-14A" }, "r36": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "220", "SubTopic": "10", "Section": "45", "Paragraph": "5", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-5" }, "r37": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "230", "SubTopic": "10", "Section": "45", "Paragraph": "12", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-12" }, "r38": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "230", "SubTopic": "10", "Section": "45", "Paragraph": "12", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-12" }, "r39": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "230", "SubTopic": "10", "Section": "45", "Paragraph": "13", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-13" }, "r40": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "230", "SubTopic": "10", "Section": "45", "Paragraph": "14", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-14" }, "r41": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "230", "SubTopic": "10", "Section": "45", "Paragraph": "21", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-21" }, "r42": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "230", "SubTopic": "10", "Section": "45", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-4" }, "r43": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "230", "SubTopic": "10", "Section": "45", "Paragraph": "8", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-8" }, "r44": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "230", "SubTopic": "10", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482913/230-10-50-1" }, "r45": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "230", "SubTopic": "10", "Section": "50", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482913/230-10-50-2" }, "r46": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "260", "SubTopic": "10", "Section": "45", "Paragraph": "10", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-10" }, "r47": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "260", "SubTopic": "10", "Section": "45", "Paragraph": "13", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-13" }, "r48": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "260", "SubTopic": "10", "Section": "50", "Paragraph": "1", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482662/260-10-50-1" }, "r49": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "260", "SubTopic": "10", "Section": "50", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482662/260-10-50-2" }, "r50": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "275", "SubTopic": "10", "Section": "50", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482861/275-10-50-4" }, "r51": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "275", "SubTopic": "10", "Section": "50", "Paragraph": "8", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482861/275-10-50-8" }, "r52": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "275", "SubTopic": "10", "Section": "50", "Paragraph": "9", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482861/275-10-50-9" }, "r53": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "310", "SubTopic": "10", "Section": "50", "Paragraph": "9", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-9" }, "r54": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "320", "Publisher": "FASB", "URI": "https://asc.fasb.org/320/tableOfContent" }, "r55": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "360", "SubTopic": "10", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482099/360-10-50-1" }, "r56": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "360", "SubTopic": "10", "Section": "50", "Paragraph": "1", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482099/360-10-50-1" }, "r57": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "470", "SubTopic": "10", "Section": "50", "Paragraph": "5", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481544/470-10-50-5" }, "r58": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "480", "SubTopic": "10", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481648/480-10-50-2" }, "r59": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "505", "SubTopic": "10", "Section": "50", "Paragraph": "3", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-3" }, "r60": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "505", "SubTopic": "10", "Section": "50", "Paragraph": "8", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-8" }, "r61": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "505", "SubTopic": "30", "Section": "45", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481549/505-30-45-1" }, "r62": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "715", "SubTopic": "20", "Section": "50", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-2" }, "r63": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "715", "SubTopic": "20", "Section": "50", "Paragraph": "3", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-3" }, "r64": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "715", "SubTopic": "20", "Section": "50", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-4" }, "r65": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "715", "SubTopic": "20", "Section": "55", "Paragraph": "17", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480482/715-20-55-17" }, "r66": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "715", "SubTopic": "70", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480794/715-70-50-1" }, "r67": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "718", "SubTopic": "10", "Section": "35", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480483/718-10-35-2" }, "r68": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "718", "SubTopic": "10", "Section": "50", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r69": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "718", "SubTopic": "40", "Section": "25", "Paragraph": "10", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480637/718-40-25-10" }, "r70": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "718", "SubTopic": "40", "Section": "25", "Paragraph": "13", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480637/718-40-25-13" }, "r71": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "718", "SubTopic": "40", "Section": "45", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480520/718-40-45-2" }, "r72": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "718", "SubTopic": "40", "Section": "45", "Paragraph": "3", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480520/718-40-45-3" }, "r73": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "718", "SubTopic": "40", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480489/718-40-50-1" }, "r74": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "718", "SubTopic": "40", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480489/718-40-50-1" }, "r75": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "718", "SubTopic": "40", "Section": "50", "Paragraph": "1", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480489/718-40-50-1" }, "r76": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "718", "SubTopic": "40", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480489/718-40-50-1" }, "r77": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "718", "SubTopic": "40", "Section": "50", "Paragraph": "1", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480489/718-40-50-1" }, "r78": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "810", "SubTopic": "10", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-1" }, "r79": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "10", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-1" }, "r80": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "10", "Section": "50", "Paragraph": "1A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-1A" }, "r81": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "10", "Section": "50", "Paragraph": "1B", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-1B" }, "r82": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "10", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)(1)(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-2" }, "r83": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "10", "Section": "50", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4" }, "r84": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "10", "Section": "50", "Paragraph": "4A", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4A" }, "r85": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "10", "Section": "50", "Paragraph": "4B", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4B" }, "r86": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "10", "Section": "50", "Paragraph": "4C", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4C" }, "r87": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "10", "Section": "50", "Paragraph": "4C", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4C" }, "r88": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "10", "Section": "50", "Paragraph": "4D", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4D" }, "r89": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "10", "Section": "50", "Paragraph": "4K", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4K" }, "r90": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "10", "Section": "50", "Paragraph": "5", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-5" }, "r91": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "10", "Section": "50", "Paragraph": "7", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-7" }, "r92": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "10", "Section": "50", "Paragraph": "8", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-8" }, "r93": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "10", "Section": "55", "Paragraph": "182", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480401/815-10-55-182" }, "r94": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "25", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480238/815-25-50-1" }, "r95": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "815", "SubTopic": "25", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480238/815-25-50-1" }, "r96": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "825", "SubTopic": "10", "Section": "50", "Paragraph": "11", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482907/825-10-50-11" }, "r97": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "825", "SubTopic": "10", "Section": "50", "Paragraph": "12", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482907/825-10-50-12" }, "r98": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "825", "SubTopic": "10", "Section": "50", "Paragraph": "30", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482907/825-10-50-30" }, "r99": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "850", "SubTopic": "10", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483326/850-10-50-1" }, "r100": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "860", "SubTopic": "50", "Section": "50", "Paragraph": "4", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4" }, "r101": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "942", "SubTopic": "210", "Section": "45", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477263/942-210-45-4" }, "r102": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "942", "SubTopic": "470", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477734/942-470-50-1" }, "r103": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "942", "SubTopic": "470", "Section": "50", "Paragraph": "3", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477734/942-470-50-3" }, "r104": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "942", "SubTopic": "825", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478898/942-825-50-1" }, "r105": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "942", "SubTopic": "825", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478898/942-825-50-1" }, "r106": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Name": "Accounting Standards Codification", "Topic": "942", "SubTopic": "825", "Section": "50", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478898/942-825-50-2" }, "r107": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(19)(a))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r108": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(19)(b))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r109": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(19))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r110": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(20))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r111": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(21))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r112": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(22)(a)(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r113": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(22)(b))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r114": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(23))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r115": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(24))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r116": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(25))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r117": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(26)(a))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r118": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(26)(b))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r119": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(26))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r120": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(28))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r121": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(29))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r122": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(3))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r123": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(30)(a)(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r124": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(30)(a)(3))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r125": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(30))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r126": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(31))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r127": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(32))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r128": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(4))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r129": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "210", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "7", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483444/210-20-55-7" }, "r130": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Paragraph": "1", "Section": "45", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-1" }, "r131": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "10A", "Subparagraph": "(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-10A" }, "r132": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "11", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-11" }, "r133": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SX 210.5-03(1)(e))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2" }, "r134": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SX 210.5-03(10))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2" }, "r135": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SX 210.5-03(20))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2" }, "r136": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SX 210.5-03(6))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2" }, "r137": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SX 210.5-03(8))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2" }, "r138": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "230", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/230/tableOfContent" }, "r139": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "12", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-12" }, "r140": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "13", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-13" }, "r141": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "15", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-15" }, "r142": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "15", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-15" }, "r143": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "24", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-24" }, "r144": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "25", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-25" }, "r145": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "25", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-25" }, "r146": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "25", "Subparagraph": "(f)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-25" }, "r147": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "28", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-28" }, "r148": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "235", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/235/tableOfContent" }, "r149": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "270", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/270/tableOfContent" }, "r150": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "275", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/275/tableOfContent" }, "r151": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SAB Topic 4.E)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480418/310-10-S99-2" }, "r152": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "360", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/360/tableOfContent" }, "r153": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "360", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482099/360-10-50-1" }, "r154": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "360", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SAB Topic 5.CC)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480091/360-10-S99-2" }, "r155": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "440", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/440/tableOfContent" }, "r156": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "470", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/470/tableOfContent" }, "r157": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "505", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-6" }, "r158": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "505", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-7" }, "r159": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "505", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.3-04)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480008/505-10-S99-1" }, "r160": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r161": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r162": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r163": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(f)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r164": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "805", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "05", "Paragraph": "4", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479515/805-10-05-4" }, "r165": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "805", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "05", "Paragraph": "4", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479515/805-10-05-4" }, "r166": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "805", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "05", "Paragraph": "4", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479515/805-10-05-4" }, "r167": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "805", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "05", "Paragraph": "4", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479515/805-10-05-4" }, "r168": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "810", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "19", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481231/810-10-45-19" }, "r169": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "815", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/815/tableOfContent" }, "r170": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4B", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4B" }, "r171": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4B", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4B" }, "r172": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4B", "Subparagraph": "(c)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4B" }, "r173": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "815", "SubTopic": "25", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480238/815-25-50-1" }, "r174": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-2" }, "r175": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-2" }, "r176": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r177": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(10))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r178": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(11))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r179": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(12))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r180": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(13)(3)(a))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r181": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(13))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r182": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(14))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r183": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(15)(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r184": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(15))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r185": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(16))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r186": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r187": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(23))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r188": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(3))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r189": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(7)(e))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r190": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r191": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(11))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r192": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(12))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r193": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(13)(h))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r194": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(13))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r195": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(14)(b))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r196": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(14))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r197": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(15))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r198": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r199": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(22))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r200": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(3))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r201": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(4))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r202": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(5))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r203": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(6))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r204": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(7))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r205": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(8))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r206": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "230", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479024/942-230-45-1" }, "r207": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "230", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479024/942-230-45-1" }, "r208": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "320", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/942-320/tableOfContent" }, "r209": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "470", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478878/942-470-45-1" }, "r210": { "role": "http://fasb.org/us-gaap/role/ref/legacyRef", "Topic": "942", "SubTopic": "470", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477734/942-470-50-3" }, "r211": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "32", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32" }, "r212": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "32", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32" }, "r213": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "32", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32" }, "r214": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "32", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32" }, "r215": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "11B", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-11B" }, "r216": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "11B", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-11B" }, "r217": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "11B", "Subparagraph": "(c)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-11B" }, "r218": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "11B", "Subparagraph": "(g)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-11B" }, "r219": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "15", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-15" }, "r220": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "15", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-15" }, "r221": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "29", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-29" }, "r222": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "29", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-29" }, "r223": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "29", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-29" }, "r224": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "29", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-29" }, "r225": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-6" }, "r226": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-7" }, "r227": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-7" }, "r228": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-7A" }, "r229": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "9", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-9" }, "r230": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "310", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "40", "Paragraph": "7A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481774/310-40-40-7A" }, "r231": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(aa)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r232": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r233": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r234": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-6" }, "r235": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(b)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-6" }, "r236": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-7" }, "r237": { "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef", "Topic": "840", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481161/840-30-50-1" }, "r238": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "SubTopic": "310", "Topic": "944", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477409/944-310-45-1" }, "r239": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "2", "SubTopic": "310", "Topic": "944", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477409/944-310-45-2" }, "r240": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "2", "Subparagraph": "(a)", "SubTopic": "20", "Topic": "740", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482659/740-20-45-2" }, "r241": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "SubTopic": "10", "Topic": "270", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482964/270-10-50-1" }, "r242": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "SubTopic": "310", "Topic": "944", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477363/944-310-50-1" }, "r243": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)", "SubTopic": "10", "Topic": "275", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482861/275-10-50-1" }, "r244": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)", "SubTopic": "35", "Topic": "720", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483406/720-35-50-1" }, "r245": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)", "SubTopic": "10", "Topic": "275", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482861/275-10-50-1" }, "r246": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(c)", "SubTopic": "10", "Topic": "275", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482861/275-10-50-1" }, "r247": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)", "SubTopic": "10", "Topic": "275", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482861/275-10-50-1" }, "r248": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)", "SubTopic": "360", "Topic": "958", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477798/958-360-50-1" }, "r249": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "11", "SubTopic": "10", "Topic": "275", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482861/275-10-50-11" }, "r250": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "12", "SubTopic": "10", "Topic": "275", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482861/275-10-50-12" }, "r251": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "SubTopic": "360", "Topic": "958", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477798/958-360-50-6" }, "r252": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7", "SubTopic": "360", "Topic": "958", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477798/958-360-50-7" }, "r253": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "9", "Subparagraph": "(b)", "SubTopic": "10", "Topic": "740", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-9" }, "r254": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.4-08(h))", "SubTopic": "10", "Topic": "235", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1" }, "r255": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(7)(e)(1)(i))", "SubTopic": "210", "Topic": "942", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r256": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Accounting Standards Codification", "Topic": "275", "Publisher": "FASB", "URI": "https://asc.fasb.org/275/tableOfContent" }, "r257": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1402", "Paragraph": "a", "Publisher": "SEC" }, "r258": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1402", "Paragraph": "b", "Subparagraph": "(1)", "Publisher": "SEC" }, "r259": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1402", "Paragraph": "b", "Subparagraph": "(1)(Instruction 4)", "Publisher": "SEC" }, "r260": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1403", "Paragraph": "b", "Publisher": "SEC" }, "r261": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1404", "Paragraph": "a", "Publisher": "SEC" }, "r262": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1404", "Paragraph": "b", "Publisher": "SEC" }, "r263": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1405", "Paragraph": "a", "Subparagraph": "(2)", "Publisher": "SEC" }, "r264": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1405", "Paragraph": "a", "Subparagraph": "(3)", "Publisher": "SEC" }, "r265": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1405", "Paragraph": "a", "Subparagraph": "(4)", "Publisher": "SEC" }, "r266": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1405", "Paragraph": "c", "Publisher": "SEC" }, "r267": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1406", "Paragraph": "e", "Publisher": "SEC" }, "r268": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1406", "Publisher": "SEC" }, "r269": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-X (SX)", "Number": "210", "Section": "12", "Subsection": "04", "Paragraph": "a", "Publisher": "SEC" }, "r270": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-X (SX)", "Number": "210", "Section": "12", "Subsection": "12", "Paragraph": "Column A", "Footnote": "2", "Publisher": "SEC" }, "r271": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-X (SX)", "Number": "210", "Section": "12", "Subsection": "12A", "Paragraph": "Column A", "Footnote": "2", "Publisher": "SEC" }, "r272": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-X (SX)", "Number": "210", "Section": "12", "Subsection": "12B", "Paragraph": "Column A", "Subparagraph": "(a)", "Footnote": "4", "Publisher": "SEC" }, "r273": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-X (SX)", "Number": "210", "Section": "12", "Subsection": "12B", "Paragraph": "Column A", "Subparagraph": "(b)", "Footnote": "4", "Publisher": "SEC" }, "r274": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-X (SX)", "Number": "210", "Section": "12", "Subsection": "14", "Paragraph": "Column A", "Footnote": "2", "Publisher": "SEC" }, "r275": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-X (SX)", "Number": "210", "Section": "12", "Subsection": "28", "Paragraph": "Column E", "Footnote": "4", "Publisher": "SEC" }, "r276": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-X (SX)", "Number": "210", "Section": "5", "Subsection": "04", "Paragraph": "c", "Subparagraph": "Schedule I", "Publisher": "SEC" }, "r277": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-X (SX)", "Number": "210", "Section": "7", "Subsection": "05", "Paragraph": "c", "Subparagraph": "Schedule II", "Publisher": "SEC" }, "r278": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Regulation S-X (SX)", "Number": "210", "Section": "9", "Subsection": "06", "Publisher": "SEC" }, "r279": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Staff Accounting Bulletin (SAB)", "Number": "Topic 11", "Section": "M", "Paragraph": "Question 2", "Publisher": "SEC" }, "r280": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Staff Accounting Bulletin (SAB)", "Number": "Topic 5", "Section": "Y", "Paragraph": "Question 2", "Publisher": "SEC" }, "r281": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Name": "Staff Accounting Bulletin (SAB)", "Number": "Topic 5", "Section": "Y", "Paragraph": "Question 4", "Publisher": "SEC" }, "r282": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "105", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479343/105-10-65-6" }, "r283": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "105", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479343/105-10-65-6" }, "r284": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "105", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479343/105-10-65-6" }, "r285": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "105", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479343/105-10-65-6" }, "r286": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "105", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479343/105-10-65-6" }, "r287": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "105", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "7", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479343/105-10-65-7" }, "r288": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "205", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483499/205-20-50-7" }, "r289": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r290": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(13))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r291": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(14))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r292": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(15))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r293": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(17))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r294": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(18))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r295": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r296": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(22)(a)(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r297": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(30)(a)(4))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r298": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "210", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483466/210-20-50-3" }, "r299": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "210", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483466/210-20-50-3" }, "r300": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "210", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "10", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483444/210-20-55-10" }, "r301": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "10A", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-10A" }, "r302": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "10A", "Subparagraph": "(f)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-10A" }, "r303": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "10A", "Subparagraph": "(h)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-10A" }, "r304": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "11", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-11" }, "r305": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "12", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-12" }, "r306": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "14A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-14A" }, "r307": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "17A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-17A" }, "r308": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1A", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-1A" }, "r309": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1A", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-1A" }, "r310": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1A", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-1A" }, "r311": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1B", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-1B" }, "r312": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1B", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-1B" }, "r313": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482765/220-10-50-1" }, "r314": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482765/220-10-50-4" }, "r315": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482765/220-10-50-5" }, "r316": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482765/220-10-50-6" }, "r317": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SX 210.5-03(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2" }, "r318": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SX 210.5-03(21))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2" }, "r319": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SX 210.5-03(24))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2" }, "r320": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SX 210.5-03(25))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2" }, "r321": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "11", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-11" }, "r322": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "12", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-12" }, "r323": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "24", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-24" }, "r324": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482913/230-10-50-2A" }, "r325": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "8", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482913/230-10-50-8" }, "r326": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "235", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.4-08(g)(1)(ii))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1" }, "r327": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "235", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.4-08(h)(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1" }, "r328": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "235", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.4-08(n))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1" }, "r329": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "235", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.12-04(a))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-3" }, "r330": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "235", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "4", "Subparagraph": "(SX 210.12-09(Column B))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-4" }, "r331": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "235", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "4", "Subparagraph": "(SX 210.12-09(Column E))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-4" }, "r332": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "23", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483421/250-10-45-23" }, "r333": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "24", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483421/250-10-45-24" }, "r334": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "5", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483421/250-10-45-5" }, "r335": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "6", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483421/250-10-45-6" }, "r336": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-1" }, "r337": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-1" }, "r338": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)(4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-1" }, "r339": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(c)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-1" }, "r340": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "11", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-11" }, "r341": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "11", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-11" }, "r342": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-3" }, "r343": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-4" }, "r344": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-6" }, "r345": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-7" }, "r346": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-7" }, "r347": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "8", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-8" }, "r348": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "9", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-9" }, "r349": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "5", "Subparagraph": "(SAB Topic 11.M.Q2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480530/250-10-S99-5" }, "r350": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "260", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "10", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-10" }, "r351": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "260", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "16", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-16" }, "r352": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "260", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-2" }, "r353": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "260", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "22", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-22" }, "r354": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "260", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "23", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-23" }, "r355": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "260", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "26", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-26" }, "r356": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "260", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "28A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-28A" }, "r357": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "260", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "60B", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-60B" }, "r358": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "260", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "60B", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-60B" }, "r359": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "260", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "7", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-7" }, "r360": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "260", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482662/260-10-50-1" }, "r361": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "260", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482662/260-10-50-1" }, "r362": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "260", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "15", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482635/260-10-55-15" }, "r363": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "270", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482964/270-10-50-1" }, "r364": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "270", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1B", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482964/270-10-50-1B" }, "r365": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "272", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483014/272-10-45-1" }, "r366": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/280/tableOfContent" }, "r367": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "15", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-15" }, "r368": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "21", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-21" }, "r369": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "21", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-21" }, "r370": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "22", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22" }, "r371": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "22", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22" }, "r372": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "22", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22" }, "r373": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "22", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22" }, "r374": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "22", "Subparagraph": "(h)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22" }, "r375": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "24", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-24" }, "r376": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "26", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-26" }, "r377": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "26B", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-26B" }, "r378": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "26C", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-26C" }, "r379": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "30", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-30" }, "r380": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "30", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-30" }, "r381": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "31", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-31" }, "r382": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "32", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32" }, "r383": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "32", "Subparagraph": "(ee)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32" }, "r384": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "32", "Subparagraph": "(f)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32" }, "r385": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "34", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-34" }, "r386": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "40", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-40" }, "r387": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "41", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-41" }, "r388": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "41", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-41" }, "r389": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "42", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-42" }, "r390": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147476173/280-10-65-1" }, "r391": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147476173/280-10-65-1" }, "r392": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "13", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481990/310-10-45-13" }, "r393": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481990/310-10-45-2" }, "r394": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "11C", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-11C" }, "r395": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "42", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-42" }, "r396": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "42", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-42" }, "r397": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "42", "Subparagraph": "(a)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-42" }, "r398": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "44", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-44" }, "r399": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "310", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481569/310-20-50-4" }, "r400": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/320/tableOfContent" }, "r401": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "11", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481830/320-10-45-11" }, "r402": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "10", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-10" }, "r403": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2" }, "r404": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2" }, "r405": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(aa)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2" }, "r406": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(aaa)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2" }, "r407": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2" }, "r408": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2" }, "r409": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2" }, "r410": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2A" }, "r411": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-3" }, "r412": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-3" }, "r413": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-3" }, "r414": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-3" }, "r415": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-3" }, "r416": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r417": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r418": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(aaa)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r419": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r420": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r421": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(f)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r422": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(f)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r423": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(f)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r424": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(f)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r425": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(f)(4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r426": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5A", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5A" }, "r427": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5A", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5A" }, "r428": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5A", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5A" }, "r429": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5B", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5B" }, "r430": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5B", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5B" }, "r431": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5B", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5B" }, "r432": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5B", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5B" }, "r433": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5B", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5B" }, "r434": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5C", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5C" }, "r435": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "9", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-9" }, "r436": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "9", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-9" }, "r437": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "323", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481687/323-10-50-3" }, "r438": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-1" }, "r439": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "4", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-4" }, "r440": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "4", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-4" }, "r441": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "4", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-4" }, "r442": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "4", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-4" }, "r443": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "4", "Subparagraph": "(e)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-4" }, "r444": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "4", "Subparagraph": "(e)(4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-4" }, "r445": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "5", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-5" }, "r446": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "5", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-5" }, "r447": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "5", "Subparagraph": "(b)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-5" }, "r448": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "5", "Subparagraph": "(c)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-5" }, "r449": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479344/326-20-45-2" }, "r450": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "5", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479344/326-20-45-5" }, "r451": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "11", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-11" }, "r452": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "13", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-13" }, "r453": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "13", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-13" }, "r454": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "13", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-13" }, "r455": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "13", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-13" }, "r456": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "14", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-14" }, "r457": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "16", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-16" }, "r458": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "16", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-16" }, "r459": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "16", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-16" }, "r460": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "16", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-16" }, "r461": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-3A" }, "r462": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3B", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-3B" }, "r463": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-5" }, "r464": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-5" }, "r465": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-6" }, "r466": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-6A" }, "r467": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479130/326-30-45-1" }, "r468": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-3A" }, "r469": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3B", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-3B" }, "r470": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-4" }, "r471": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-4" }, "r472": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(b)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-4" }, "r473": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-5" }, "r474": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-7" }, "r475": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "326", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "9", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-9" }, "r476": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "350", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482598/350-20-45-1" }, "r477": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482686/350-30-45-1" }, "r478": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482686/350-30-45-2" }, "r479": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1" }, "r480": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1" }, "r481": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1" }, "r482": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1" }, "r483": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2" }, "r484": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2" }, "r485": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(d)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2" }, "r486": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(d)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2" }, "r487": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-3" }, "r488": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "350", "SubTopic": "60", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147476166/350-60-65-1" }, "r489": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "350", "SubTopic": "60", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147476166/350-60-65-1" }, "r490": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "405", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477123/405-50-65-1" }, "r491": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "440", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482648/440-10-50-4" }, "r492": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "440", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482648/440-10-50-4" }, "r493": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "450", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483076/450-20-50-4" }, "r494": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "450", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "9", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483076/450-20-50-9" }, "r495": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "450", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SAB Topic 5.Y.Q2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480102/450-20-S99-1" }, "r496": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "450", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SAB Topic 5.Y.Q4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480102/450-20-S99-1" }, "r497": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "460", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482454/460-10-45-1" }, "r498": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481544/470-10-50-6" }, "r499": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481544/470-10-50-7" }, "r500": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1A", "Subparagraph": "(SX 210.13-01(a)(4)(i))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1A" }, "r501": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1A", "Subparagraph": "(SX 210.13-01(a)(4)(iii)(A))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1A" }, "r502": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1A", "Subparagraph": "(SX 210.13-01(a)(4)(iv))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1A" }, "r503": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1A", "Subparagraph": "(SX 210.13-01(a)(5))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1A" }, "r504": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1B", "Subparagraph": "(SX 210.13-02(a)(4)(i))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1B" }, "r505": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1B", "Subparagraph": "(SX 210.13-02(a)(4)(iii)(A))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1B" }, "r506": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1B", "Subparagraph": "(SX 210.13-02(a)(4)(iii)(B))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1B" }, "r507": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1B", "Subparagraph": "(SX 210.13-02(a)(4)(iv))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1B" }, "r508": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1B", "Subparagraph": "(SX 210.13-02(a)(5))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1B" }, "r509": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1B", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B" }, "r510": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1B", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B" }, "r511": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1B", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B" }, "r512": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1B", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B" }, "r513": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1B", "Subparagraph": "(f)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B" }, "r514": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1B", "Subparagraph": "(h)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B" }, "r515": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1D", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1D" }, "r516": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1D", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1D" }, "r517": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1D", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1D" }, "r518": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1E", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1E" }, "r519": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1E", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1E" }, "r520": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1E", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1E" }, "r521": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1F", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1F" }, "r522": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1F", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1F" }, "r523": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1F", "Subparagraph": "(b)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1F" }, "r524": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1F", "Subparagraph": "(b)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1F" }, "r525": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1I", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1I" }, "r526": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(b)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-4" }, "r527": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-6" }, "r528": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "505", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "13", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-13" }, "r529": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "505", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "18", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-18" }, "r530": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "505", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.3-04)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480008/505-10-S99-1" }, "r531": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/715/tableOfContent" }, "r532": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480535/715-20-45-2" }, "r533": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "3A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480535/715-20-45-3A" }, "r534": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "3A", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480535/715-20-45-3A" }, "r535": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r536": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r537": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(10)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r538": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r539": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r540": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r541": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(5)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r542": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(6)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r543": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(7)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r544": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(8)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r545": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(9)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r546": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r547": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r548": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r549": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r550": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)(4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r551": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)(5)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r552": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)(6)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r553": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)(7)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r554": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)(8)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r555": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r556": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r557": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)(ii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r558": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)(iii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r559": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)(iv)(01)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r560": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)(iv)(02)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r561": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)(iv)(02)(A)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r562": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)(iv)(02)(B)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r563": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)(iv)(02)(C)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r564": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)(iv)(03)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r565": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r566": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(f)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r567": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(g)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r568": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(h)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r569": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(h)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r570": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(h)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r571": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(h)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r572": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(h)(4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r573": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(h)(5)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r574": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(h)(6)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r575": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(h)(7)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r576": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r577": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(j)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r578": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(k)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r579": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(k)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r580": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(k)(4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r581": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(l)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r582": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(n)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r583": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(o)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r584": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(p)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r585": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(q)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r586": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(r)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r587": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(r)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r588": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-2" }, "r589": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6" }, "r590": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6" }, "r591": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6" }, "r592": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6" }, "r593": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)(4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6" }, "r594": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)(5)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6" }, "r595": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)(6)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6" }, "r596": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)(7)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6" }, "r597": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6" }, "r598": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "8", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-8" }, "r599": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480126/715-20-S99-2" }, "r600": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "60", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480266/715-60-50-3" }, "r601": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "60", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480266/715-60-50-4" }, "r602": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "70", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480794/715-70-50-1" }, "r603": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "80", "Name": "Accounting Standards Codification", "Section": "35", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480606/715-80-35-1" }, "r604": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "80", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "11", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-11" }, "r605": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "80", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-5" }, "r606": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "715", "SubTopic": "80", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "9", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-9" }, "r607": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/718/tableOfContent" }, "r608": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "35", "Paragraph": "1D", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480483/718-10-35-1D" }, "r609": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "35", "Paragraph": "3", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480483/718-10-35-3" }, "r610": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480454/718-10-45-1" }, "r611": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r612": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r613": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r614": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r615": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r616": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)(ii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r617": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)(iii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r618": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)(iv)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r619": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)(iv)(01)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r620": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)(iv)(02)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r621": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)(iv)(03)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r622": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)(iv)(04)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r623": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(2)(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r624": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(2)(ii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r625": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(2)(iii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r626": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(2)(iii)(01)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r627": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(2)(iii)(02)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r628": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(2)(iii)(03)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r629": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(d)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r630": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(d)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r631": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(e)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r632": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(e)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r633": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(f)(2)(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r634": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(f)(2)(ii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r635": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(f)(2)(iii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r636": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(f)(2)(iv)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r637": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(f)(2)(v)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r638": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(h)(1)(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r639": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(h)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r640": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(h)(2)(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r641": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r642": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(l)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r643": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "720", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483359/720-20-50-1" }, "r644": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "720", "SubTopic": "35", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483406/720-35-50-1" }, "r645": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/740/tableOfContent" }, "r646": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "25", "Paragraph": "3", "Subparagraph": "(a)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482620/740-10-25-3" }, "r647": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "25", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482525/740-10-45-25" }, "r648": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "28", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482525/740-10-45-28" }, "r649": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482525/740-10-45-4" }, "r650": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "6", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482525/740-10-45-6" }, "r651": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "10", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-10" }, "r652": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "12", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12" }, "r653": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "12", "Subparagraph": "(b)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12" }, "r654": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "12A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12A" }, "r655": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "12A", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12A" }, "r656": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "12A", "Subparagraph": "(a)(7)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12A" }, "r657": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "12A", "Subparagraph": "(b)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12A" }, "r658": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "12B", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12B" }, "r659": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "12C", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12C" }, "r660": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "14", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-14" }, "r661": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "15", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-15" }, "r662": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "17", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-17" }, "r663": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "19", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-19" }, "r664": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-2" }, "r665": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-2" }, "r666": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "20", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-20" }, "r667": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "21", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-21" }, "r668": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "23", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-23" }, "r669": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "9", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-9" }, "r670": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "9", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-9" }, "r671": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "8", "Subparagraph": "(d)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482615/740-10-65-8" }, "r672": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "8", "Subparagraph": "(d)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482615/740-10-65-8" }, "r673": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "9", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482615/740-10-65-9" }, "r674": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "9", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482615/740-10-65-9" }, "r675": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "9", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482615/740-10-65-9" }, "r676": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SAB Topic 6.I.5.Q1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479360/740-10-S99-1" }, "r677": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SAB Topic 6.I.7)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479360/740-10-S99-1" }, "r678": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SAB Topic 11.C)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479360/740-10-S99-2" }, "r679": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "270", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477891/740-270-50-1" }, "r680": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482603/740-30-50-2" }, "r681": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "323", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2" }, "r682": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "323", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2" }, "r683": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "323", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2" }, "r684": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "323", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(d)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2" }, "r685": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "323", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(d)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2" }, "r686": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "323", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2" }, "r687": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "323", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(g)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2" }, "r688": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "323", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(g)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2" }, "r689": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "740", "SubTopic": "323", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(g)(4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2" }, "r690": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "805", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "3", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479845/805-20-65-3" }, "r691": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "805", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "3", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479845/805-20-65-3" }, "r692": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "805", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "3", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479845/805-20-65-3" }, "r693": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "805", "SubTopic": "60", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147476176/805-60-65-1" }, "r694": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "805", "SubTopic": "60", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147476176/805-60-65-1" }, "r695": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "805", "SubTopic": "60", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147476176/805-60-65-1" }, "r696": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "805", "SubTopic": "60", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(d)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147476176/805-60-65-1" }, "r697": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "805", "SubTopic": "60", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(g)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147476176/805-60-65-1" }, "r698": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "810", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "25", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481231/810-10-45-25" }, "r699": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "810", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "25", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481231/810-10-45-25" }, "r700": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "810", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(bb)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-3" }, "r701": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "810", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-3" }, "r702": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4A", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4A" }, "r703": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4C", "Subparagraph": "(g)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4C" }, "r704": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4E", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4E" }, "r705": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4EE", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4EE" }, "r706": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4EE", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4EE" }, "r707": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4EE", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4EE" }, "r708": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4EEE", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4EEE" }, "r709": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4EEE", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4EEE" }, "r710": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4K", "Subparagraph": "(a)(4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4K" }, "r711": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5C", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-5C" }, "r712": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6" }, "r713": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6" }, "r714": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6" }, "r715": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6" }, "r716": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(f)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6" }, "r717": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(h)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6" }, "r718": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(h)(1)(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6" }, "r719": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(h)(1)(iii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6" }, "r720": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(h)(1)(iv)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6" }, "r721": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(i)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6" }, "r722": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(i)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6" }, "r723": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(f)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480237/815-40-50-5" }, "r724": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1" }, "r725": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1" }, "r726": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(a)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1" }, "r727": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(b)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1" }, "r728": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(b)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1" }, "r729": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1" }, "r730": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1" }, "r731": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(e)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1" }, "r732": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(e)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1" }, "r733": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(e)(4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1" }, "r734": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "815", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(f)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1" }, "r735": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "35", "Paragraph": "54B", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482134/820-10-35-54B" }, "r736": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r737": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r738": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(bbb)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r739": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(bbb)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r740": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(bbb)(2)(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r741": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r742": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r743": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r744": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(g)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r745": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(h)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r746": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2E", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2E" }, "r747": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-3" }, "r748": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-3" }, "r749": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6A", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6A" }, "r750": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6A", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6A" }, "r751": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6A", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6A" }, "r752": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6A", "Subparagraph": "(f)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6A" }, "r753": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6A", "Subparagraph": "(h)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6A" }, "r754": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6B", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6B" }, "r755": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6B", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6B" }, "r756": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6B", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6B" }, "r757": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "13", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482477/820-10-65-13" }, "r758": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "13", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482477/820-10-65-13" }, "r759": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "13", "Subparagraph": "(d)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482477/820-10-65-13" }, "r760": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "825", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482736/825-10-45-1A" }, "r761": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "825", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482736/825-10-45-2" }, "r762": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "825", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "10", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482907/825-10-50-10" }, "r763": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "825", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "28", "Subparagraph": "(f)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482907/825-10-50-28" }, "r764": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "830", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "17", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481694/830-30-45-17" }, "r765": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "830", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "20", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481694/830-30-45-20" }, "r766": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "830", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "20", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481694/830-30-45-20" }, "r767": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "830", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "20", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481694/830-30-45-20" }, "r768": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "830", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "20", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481694/830-30-45-20" }, "r769": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "830", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "20", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481694/830-30-45-20" }, "r770": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "830", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481674/830-30-50-1" }, "r771": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "835", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483013/835-20-50-1" }, "r772": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "835", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482925/835-30-45-2" }, "r773": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "835", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482900/835-30-50-1" }, "r774": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "5", "Subparagraph": "(d)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479832/842-10-65-5" }, "r775": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "8", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479832/842-10-65-8" }, "r776": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "8", "Subparagraph": "(c)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479832/842-10-65-8" }, "r777": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/842-20/tableOfContent" }, "r778": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "35", "Paragraph": "12A", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479165/842-20-35-12A" }, "r779": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479041/842-20-45-1" }, "r780": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479041/842-20-45-1" }, "r781": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479041/842-20-45-2" }, "r782": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "5", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479041/842-20-45-5" }, "r783": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478964/842-20-50-1" }, "r784": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478964/842-20-50-4" }, "r785": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(g)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478964/842-20-50-4" }, "r786": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(g)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478964/842-20-50-4" }, "r787": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(g)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478964/842-20-50-4" }, "r788": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(g)(4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478964/842-20-50-4" }, "r789": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478964/842-20-50-6" }, "r790": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7A", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478964/842-20-50-7A" }, "r791": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "848", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483550/848-10-65-1" }, "r792": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "848", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483550/848-10-65-2" }, "r793": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "848", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483550/848-10-65-2" }, "r794": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "848", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483550/848-10-65-2" }, "r795": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "848", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(a)(3)(iii)(01)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483550/848-10-65-2" }, "r796": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "848", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(a)(3)(iii)(03)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483550/848-10-65-2" }, "r797": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "850", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/850/tableOfContent" }, "r798": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "850", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483326/850-10-50-1" }, "r799": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "850", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483326/850-10-50-1" }, "r800": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "850", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483326/850-10-50-1" }, "r801": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "850", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483326/850-10-50-6" }, "r802": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "852", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "14", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481435/852-10-45-14" }, "r803": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(b)(2)(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3" }, "r804": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(b)(2)(ii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3" }, "r805": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(b)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3" }, "r806": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(bb)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3" }, "r807": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(bb)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3" }, "r808": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(bb)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3" }, "r809": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(c)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3" }, "r810": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(c)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3" }, "r811": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(c)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3" }, "r812": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4" }, "r813": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(b)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4" }, "r814": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(b)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4" }, "r815": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(b)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4" }, "r816": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4" }, "r817": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481444/860-30-45-1" }, "r818": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1A", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481420/860-30-50-1A" }, "r819": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1A", "Subparagraph": "(b)(1)(ii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481420/860-30-50-1A" }, "r820": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481420/860-30-50-7" }, "r821": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481420/860-30-50-7" }, "r822": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481260/860-50-45-1" }, "r823": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481260/860-50-45-2" }, "r824": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "2", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481260/860-50-45-2" }, "r825": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-2" }, "r826": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-3" }, "r827": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-3" }, "r828": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(a)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-3" }, "r829": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(a)(4)(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-3" }, "r830": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4" }, "r831": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4" }, "r832": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(a)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4" }, "r833": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(a)(4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4" }, "r834": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(a)(5)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4" }, "r835": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(a)(6)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4" }, "r836": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(a)(7)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4" }, "r837": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4" }, "r838": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(e)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4" }, "r839": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(e)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4" }, "r840": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(e)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4" }, "r841": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "910", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482546/910-10-50-6" }, "r842": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "924", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SAB Topic 11.L)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479941/924-10-S99-1" }, "r843": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "926", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483154/926-20-50-5" }, "r844": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "926", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483194/926-20-65-2" }, "r845": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "926", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483194/926-20-65-2" }, "r846": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "926", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483194/926-20-65-2" }, "r847": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "928", "SubTopic": "340", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478859/928-340-50-1" }, "r848": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "940", "SubTopic": "820", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478119/940-820-50-1" }, "r849": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(10)(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r850": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(6))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r851": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(7))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r852": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(10))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r853": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(23))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r854": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(26))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r855": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(27))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r856": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-04(9))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1" }, "r857": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "235", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-05(b)(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477314/942-235-S99-1" }, "r858": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "360", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478451/942-360-50-1" }, "r859": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "505", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1" }, "r860": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "505", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1" }, "r861": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "505", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1" }, "r862": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "505", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(c)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1" }, "r863": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "505", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(c)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1" }, "r864": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "505", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1" }, "r865": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "505", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1A" }, "r866": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "505", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1B", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1B" }, "r867": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "505", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1D", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1D" }, "r868": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "942", "SubTopic": "505", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1F", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1F" }, "r869": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(1)(6))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r870": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(1)(h))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r871": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r872": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(10))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r873": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(12))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r874": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(15))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r875": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(21))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r876": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(22))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r877": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(23)(a)(3))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r878": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(23)(a)(4))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r879": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(25))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r880": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(8)(a))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r881": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(8)(b))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r882": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(8))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r883": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-04(11))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1" }, "r884": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-04(18))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1" }, "r885": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-04(19))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1" }, "r886": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-04(2)(a))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1" }, "r887": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-04(20))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1" }, "r888": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-04(22))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1" }, "r889": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-04(23))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1" }, "r890": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-04(3)(d)(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1" }, "r891": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-04(3)(d)(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1" }, "r892": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-04(3)(d))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1" }, "r893": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-04(4))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1" }, "r894": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-04(9))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1" }, "r895": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-5" }, "r896": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7A", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-7A" }, "r897": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2" }, "r898": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2" }, "r899": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2" }, "r900": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(f)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2" }, "r901": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(f)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2" }, "r902": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(g)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2" }, "r903": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(g)(2)(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2" }, "r904": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(g)(2)(ii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2" }, "r905": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(g)(2)(iii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2" }, "r906": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(g)(2)(iv)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2" }, "r907": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(h)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2" }, "r908": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(h)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2" }, "r909": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "944", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SAB Topic 5.W.Q2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479583/944-40-S99-1" }, "r910": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.6-03(d))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479886/946-10-S99-3" }, "r911": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.6-03(h)(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479886/946-10-S99-3" }, "r912": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.6-03(i)(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479886/946-10-S99-3" }, "r913": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.6-03(i)(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479886/946-10-S99-3" }, "r914": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "11", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480990/946-20-50-11" }, "r915": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "13", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480990/946-20-50-13" }, "r916": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480990/946-20-50-2" }, "r917": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480990/946-20-50-5" }, "r918": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480990/946-20-50-6" }, "r919": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "205", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "4", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478009/946-205-45-4" }, "r920": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477796/946-210-45-4" }, "r921": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-1" }, "r922": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-1" }, "r923": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-1" }, "r924": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(c)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-1" }, "r925": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "12", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-12" }, "r926": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-6" }, "r927": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-6" }, "r928": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)(4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-6" }, "r929": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-6" }, "r930": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(f)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-6" }, "r931": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r932": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(11))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r933": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(12)(b)(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r934": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(12)(b)(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r935": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(12)(b)(3))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r936": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(13)(a)(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r937": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(13)(a)(3))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r938": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(14))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r939": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(16)(a))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r940": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(17))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r941": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(19))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r942": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(2)(a))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r943": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(2)(b))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r944": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(3)(a))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r945": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(3)(b))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r946": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(3)(c))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r947": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(6)(b))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r948": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(6)(c))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r949": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(6)(d))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r950": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(6)(e))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r951": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(8))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r952": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(9)(b))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r953": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(9)(c))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r954": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(9)(d))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r955": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(9)(e))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r956": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SX 210.6-05(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-2" }, "r957": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SX 210.6-05(4))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-2" }, "r958": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "3", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479105/946-220-45-3" }, "r959": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "7", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479105/946-220-45-7" }, "r960": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(1)(c))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r961": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r962": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(2)(a))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r963": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(2)(c))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r964": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(2)(e))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r965": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(2)(g)(3))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r966": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(7)(a)(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r967": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(7)(a)(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r968": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(7)(a)(3))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r969": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(7)(a)(5))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r970": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(7)(a)(6))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r971": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(7)(a)(7))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r972": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(7)(c)(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r973": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(7)(c)(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r974": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(7)(c)(3))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r975": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(7)(c)(5))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r976": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(7)(c)(6))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r977": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(7)(c)(7))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r978": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(9))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r979": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.6-09(1)(d))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-3" }, "r980": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.6-09(4)(b))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-3" }, "r981": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.6-09(6))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-3" }, "r982": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.6-09(7))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-3" }, "r983": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "235", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477968/946-235-50-2" }, "r984": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "235", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477968/946-235-50-2" }, "r985": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.12-12(Column A)(Footnote 2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-1" }, "r986": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.12-12(Column C)(Footnote 8)(c))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-1" }, "r987": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SX 210.12-12A(Column A)(Footnote 2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-2" }, "r988": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 4)(a))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-3" }, "r989": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 4)(b))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-3" }, "r990": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.12-12B(Column C)(Footnote 11)(c))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-3" }, "r991": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "5", "Subparagraph": "(SX 210.12-13(Column A)(Footnote 3))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5" }, "r992": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "5", "Subparagraph": "(SX 210.12-13(Column G)(Footnote 8))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5" }, "r993": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "5", "Subparagraph": "(SX 210.12-13(Column G))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5" }, "r994": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "5A", "Subparagraph": "(SX 210.12-13A(Column D))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5A" }, "r995": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "5A", "Subparagraph": "(SX 210.12-13A(Column E))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5A" }, "r996": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "5B", "Subparagraph": "(SX 210.12-13B(Column B))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5B" }, "r997": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "5B", "Subparagraph": "(SX 210.12-13B(Column E)(Footnote 4))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5B" }, "r998": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "5B", "Subparagraph": "(SX 210.12-13B(Column E))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5B" }, "r999": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "5C", "Subparagraph": "(SX 210.12-13C(Column E))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5C" }, "r1000": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "5C", "Subparagraph": "(SX 210.12-13C(Column H)(Footnote 7))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5C" }, "r1001": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "5C", "Subparagraph": "(SX 210.12-13C(Column H))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5C" }, "r1002": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "6", "Subparagraph": "(SX 210.12-14(Column A)(Footnote 2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-6" }, "r1003": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "6", "Subparagraph": "(SX 210.12-14(Column E)(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-6" }, "r1004": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "6", "Subparagraph": "(SX 210.12-14(Column E)(Footnote 4))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-6" }, "r1005": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "6", "Subparagraph": "(SX 210.12-14(Column E)(Footnote 6)(b))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-6" }, "r1006": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "6", "Subparagraph": "(SX 210.12-14(Column F)(Footnote 5)(a))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-6" }, "r1007": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "946", "SubTopic": "505", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478448/946-505-50-2" }, "r1008": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "954", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477220/954-210-45-4" }, "r1009": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "954", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478600/954-210-50-2" }, "r1010": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "954", "SubTopic": "440", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478522/954-440-50-1" }, "r1011": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "970", "SubTopic": "360", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.12-28(Column E)(Footnote 4))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478979/970-360-S99-1" }, "r1012": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "976", "SubTopic": "310", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477332/976-310-50-1" }, "r1013": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "978", "SubTopic": "310", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479230/978-310-50-1" }, "r1014": { "role": "http://www.xbrl.org/2003/role/disclosureRef", "Topic": "985", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481283/985-20-50-2" }, "r1015": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "9", "Subparagraph": "(c)", "SubTopic": "10", "Topic": "270", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482989/270-10-45-9" }, "r1016": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4D", "Subparagraph": "(a)(1)", "SubTopic": "10", "Topic": "815", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4D" }, "r1017": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483467/210-10-45-1" }, "r1018": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Subparagraph": "(f)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483467/210-10-45-1" }, "r1019": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "210", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "22", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483444/210-20-55-22" }, "r1020": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "235", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483426/235-10-50-4" }, "r1021": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "235", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.4-08(m)(1)(ii)(A))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1" }, "r1022": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "260", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "52", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482635/260-10-55-52" }, "r1023": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "30", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-30" }, "r1024": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "31", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-31" }, "r1025": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "47", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-47" }, "r1026": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "47", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-47" }, "r1027": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "47", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-47" }, "r1028": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "48", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-48" }, "r1029": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "49", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-49" }, "r1030": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "54", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-54" }, "r1031": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "54", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-54" }, "r1032": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "54", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-54" }, "r1033": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "12A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481933/310-10-55-12A" }, "r1034": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "4", "Subparagraph": "(SAB Topic 6.L.5.a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480418/310-10-S99-4" }, "r1035": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "11", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479294/326-20-55-11" }, "r1036": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "12", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479294/326-20-55-12" }, "r1037": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "12", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479294/326-20-55-12" }, "r1038": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "12", "Subparagraph": "(d)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479294/326-20-55-12" }, "r1039": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "12", "Subparagraph": "(d)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479294/326-20-55-12" }, "r1040": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "15", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479294/326-20-55-15" }, "r1041": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "79", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479294/326-20-55-79" }, "r1042": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "80", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479294/326-20-55-80" }, "r1043": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "326", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "8", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479081/326-30-55-8" }, "r1044": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "350", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "24", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482548/350-20-55-24" }, "r1045": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "40", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482640/350-30-55-40" }, "r1046": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1B", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B" }, "r1047": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "69B", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481568/470-20-55-69B" }, "r1048": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "69C", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481568/470-20-55-69C" }, "r1049": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "69E", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481568/470-20-55-69E" }, "r1050": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "69F", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481568/470-20-55-69F" }, "r1051": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "505", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "13", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-13" }, "r1052": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)(ii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r1053": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)(iv)(01)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r1054": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "17", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480482/715-20-55-17" }, "r1055": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "18", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480482/715-20-55-18" }, "r1056": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "715", "SubTopic": "80", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "11", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-11" }, "r1057": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "715", "SubTopic": "80", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "11", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-11" }, "r1058": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "715", "SubTopic": "80", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "11", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-11" }, "r1059": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "715", "SubTopic": "80", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-6" }, "r1060": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "715", "SubTopic": "80", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-6" }, "r1061": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "715", "SubTopic": "80", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-6" }, "r1062": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "715", "SubTopic": "80", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "8", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480547/715-80-55-8" }, "r1063": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1064": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1065": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "720", "SubTopic": "35", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483385/720-35-55-1" }, "r1066": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "231", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482663/740-10-55-231" }, "r1067": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "810", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(bb)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-3" }, "r1068": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "181", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480401/815-10-55-181" }, "r1069": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "181", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480401/815-10-55-181" }, "r1070": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "100", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-100" }, "r1071": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "100", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-100" }, "r1072": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "101", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-101" }, "r1073": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "103", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-103" }, "r1074": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "107", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-107" }, "r1075": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "107", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-107" }, "r1076": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "107", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-107" }, "r1077": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "107", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-107" }, "r1078": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "107", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-107" }, "r1079": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "107", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-107" }, "r1080": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "835", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "8", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482949/835-30-55-8" }, "r1081": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "53", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479589/842-20-55-53" }, "r1082": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "852", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "10", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481372/852-10-55-10" }, "r1083": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "860", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1A", "Subparagraph": "(b)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481420/860-30-50-1A" }, "r1084": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "860", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481395/860-30-55-4" }, "r1085": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "944", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "29F", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480046/944-40-55-29F" }, "r1086": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "944", "SubTopic": "80", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "14", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480078/944-80-55-14" }, "r1087": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "944", "SubTopic": "80", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "17", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480078/944-80-55-17" }, "r1088": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "944", "SubTopic": "80", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "9", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480078/944-80-55-9" }, "r1089": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-1" }, "r1090": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-6" }, "r1091": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477439/946-210-55-1" }, "r1092": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "946", "SubTopic": "310", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477802/946-310-45-1" }, "r1093": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.12-12(Column A)(Footnote 2)(i))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-1" }, "r1094": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SX 210.12-12A(Column A)(Footnote 2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-2" }, "r1095": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 1)(a))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-3" }, "r1096": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "5C", "Subparagraph": "(SX 210.12-13C(Column A)(Footnote 1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5C" }, "r1097": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "5C", "Subparagraph": "(SX 210.12-13C(Column B)(Footnote 1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5C" }, "r1098": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "6", "Subparagraph": "(SX 210.12-14(Column A)(Footnote 2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-6" }, "r1099": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "946", "SubTopic": "830", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "10", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479168/946-830-55-10" }, "r1100": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "946", "SubTopic": "830", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "11", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479168/946-830-55-11" }, "r1101": { "role": "http://www.xbrl.org/2003/role/exampleRef", "Topic": "946", "SubTopic": "830", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "12", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479168/946-830-55-12" }, "r1102": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12" }, "r1103": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "b" }, "r1104": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "b-2" }, "r1105": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "b-23" }, "r1106": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "d1-1" }, "r1107": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "g" }, "r1108": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12, 13, 15d" }, "r1109": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "13e", "Subsection": "4c" }, "r1110": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "14a", "Subsection": "12" }, "r1111": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "14d", "Subsection": "2b" }, "r1112": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "15", "Subsection": "d" }, "r1113": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 10-K", "Number": "249", "Section": "310" }, "r1114": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 10-Q", "Number": "240", "Section": "308", "Subsection": "a" }, "r1115": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Number": "249", "Section": "220", "Subsection": "f" }, "r1116": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "16", "Subsection": "J", "Paragraph": "a" }, "r1117": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "16K" }, "r1118": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "16K", "Subsection": "b", "Paragraph": "1" }, "r1119": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "16K", "Subsection": "b", "Paragraph": "1", "Subparagraph": "i" }, "r1120": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "16K", "Subsection": "b", "Paragraph": "1", "Subparagraph": "ii" }, "r1121": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "16K", "Subsection": "b", "Paragraph": "1", "Subparagraph": "iii" }, "r1122": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "16K", "Subsection": "b", "Paragraph": "2" }, "r1123": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "16K", "Subsection": "c", "Paragraph": "1" }, "r1124": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "16K", "Subsection": "c", "Paragraph": "2" }, "r1125": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "16K", "Subsection": "c", "Paragraph": "2", "Subparagraph": "i" }, "r1126": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "16K", "Subsection": "c", "Paragraph": "2", "Subparagraph": "ii" }, "r1127": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "16K", "Subsection": "c", "Paragraph": "2", "Subparagraph": "iii" }, "r1128": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "6", "Subsection": "F", "Paragraph": "1" }, "r1129": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "6", "Subsection": "F", "Paragraph": "1", "Subparagraph": "i" }, "r1130": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "6", "Subsection": "F", "Paragraph": "1", "Subparagraph": "i", "Sentence": "A" }, "r1131": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "6", "Subsection": "F", "Paragraph": "1", "Subparagraph": "i", "Sentence": "B" }, "r1132": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "6", "Subsection": "F", "Paragraph": "1", "Subparagraph": "i", "Sentence": "C" }, "r1133": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "6", "Subsection": "F", "Paragraph": "1", "Subparagraph": "i", "Sentence": "D" }, "r1134": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "6", "Subsection": "F", "Paragraph": "1", "Subparagraph": "i", "Sentence": "E" }, "r1135": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "6", "Subsection": "F", "Paragraph": "1", "Subparagraph": "ii" }, "r1136": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "6", "Subsection": "F", "Paragraph": "1", "Subparagraph": "iii" }, "r1137": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Section": "6", "Subsection": "F", "Paragraph": "2" }, "r1138": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 40-F", "Number": "249", "Section": "240", "Subsection": "f" }, "r1139": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 40-F", "Section": "19", "Paragraph": "a" }, "r1140": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 40-F", "Section": "19", "Paragraph": "a", "Subparagraph": "1" }, "r1141": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 40-F", "Section": "19", "Paragraph": "a", "Subparagraph": "1", "Sentence": "i" }, "r1142": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 40-F", "Section": "19", "Paragraph": "a", "Subparagraph": "1", "Sentence": "ii" }, "r1143": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 40-F", "Section": "19", "Paragraph": "a", "Subparagraph": "1", "Sentence": "iii" }, "r1144": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 40-F", "Section": "19", "Paragraph": "a", "Subparagraph": "1", "Sentence": "iv" }, "r1145": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 40-F", "Section": "19", "Paragraph": "a", "Subparagraph": "1", "Sentence": "v" }, "r1146": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 40-F", "Section": "19", "Paragraph": "a", "Subparagraph": "2" }, "r1147": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 40-F", "Section": "19", "Paragraph": "a", "Subparagraph": "3" }, "r1148": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 40-F", "Section": "19", "Paragraph": "b" }, "r1149": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 6-K", "Section": "General Instruction", "Subsection": "B" }, "r1150": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 8-K", "Section": "1.05" }, "r1151": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 8-K", "Section": "1.05", "Subsection": "Instruction", "Paragraph": "2" }, "r1152": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 8-K", "Section": "1.05", "Subsection": "a" }, "r1153": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form N-CSR", "Section": "18", "Paragraph": "a" }, "r1154": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form N-CSR", "Section": "18", "Paragraph": "a", "Subparagraph": "1" }, "r1155": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form N-CSR", "Section": "18", "Paragraph": "a", "Subparagraph": "1", "Sentence": "i" }, "r1156": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form N-CSR", "Section": "18", "Paragraph": "a", "Subparagraph": "1", "Sentence": "ii" }, "r1157": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form N-CSR", "Section": "18", "Paragraph": "a", "Subparagraph": "1", "Sentence": "iii" }, "r1158": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form N-CSR", "Section": "18", "Paragraph": "a", "Subparagraph": "1", "Sentence": "iv" }, "r1159": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form N-CSR", "Section": "18", "Paragraph": "a", "Subparagraph": "1", "Sentence": "v" }, "r1160": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form N-CSR", "Section": "18", "Paragraph": "a", "Subparagraph": "2" }, "r1161": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form N-CSR", "Section": "18", "Paragraph": "a", "Subparagraph": "3" }, "r1162": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form N-CSR", "Section": "18", "Paragraph": "b" }, "r1163": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Forms 10-K, 10-Q, 20-F", "Number": "240", "Section": "13", "Subsection": "a-1" }, "r1164": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "v" }, "r1165": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "v", "Paragraph": "1" }, "r1166": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "v", "Paragraph": "2", "Subparagraph": "ii" }, "r1167": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "v", "Paragraph": "2", "Subparagraph": "iii" }, "r1168": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "v", "Paragraph": "2", "Subparagraph": "iv" }, "r1169": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "v", "Paragraph": "2", "Subparagraph": "vi" }, "r1170": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "v", "Paragraph": "3" }, "r1171": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "v", "Paragraph": "4" }, "r1172": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "v", "Paragraph": "5", "Subparagraph": "i" }, "r1173": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "v", "Paragraph": "5", "Subparagraph": "ii" }, "r1174": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "v", "Paragraph": "5", "Subparagraph": "iii" }, "r1175": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "v", "Paragraph": "5", "Subparagraph": "iv" }, "r1176": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "v", "Paragraph": "6" }, "r1177": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "v", "Paragraph": "6", "Subparagraph": "i" }, "r1178": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "w" }, "r1179": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "w", "Paragraph": "1" }, "r1180": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "w", "Paragraph": "1", "Subparagraph": "i" }, "r1181": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "w", "Paragraph": "1", "Subparagraph": "i", "Sentence": "A" }, "r1182": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "w", "Paragraph": "1", "Subparagraph": "i", "Sentence": "B" }, "r1183": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "w", "Paragraph": "1", "Subparagraph": "i", "Sentence": "C" }, "r1184": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "w", "Paragraph": "1", "Subparagraph": "i", "Sentence": "D" }, "r1185": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "w", "Paragraph": "1", "Subparagraph": "i", "Sentence": "E" }, "r1186": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "w", "Paragraph": "1", "Subparagraph": "ii" }, "r1187": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "w", "Paragraph": "1", "Subparagraph": "iii" }, "r1188": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "w", "Paragraph": "2" }, "r1189": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "x", "Paragraph": "1" }, "r1190": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "x", "Paragraph": "2" }, "r1191": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "x", "Paragraph": "2", "Subparagraph": "ii", "Sentence": "A" }, "r1192": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "x", "Paragraph": "2", "Subparagraph": "ii", "Sentence": "C" }, "r1193": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "x", "Paragraph": "2", "Subparagraph": "ii", "Sentence": "D" }, "r1194": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "x", "Paragraph": "2", "Subparagraph": "ii", "Sentence": "E" }, "r1195": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "402", "Subsection": "x", "Paragraph": "2", "Subparagraph": "ii", "Sentence": "F" }, "r1196": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "408", "Subsection": "a" }, "r1197": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "408", "Subsection": "a", "Paragraph": "1" }, "r1198": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "408", "Subsection": "a", "Paragraph": "2", "Subparagraph": "A" }, "r1199": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "408", "Subsection": "a", "Paragraph": "2", "Subparagraph": "B" }, "r1200": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "408", "Subsection": "a", "Paragraph": "2", "Subparagraph": "C" }, "r1201": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Number": "229", "Section": "408", "Subsection": "b", "Paragraph": "1" }, "r1202": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Section": "106" }, "r1203": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Section": "106", "Subsection": "b", "Paragraph": "1" }, "r1204": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Section": "106", "Subsection": "b", "Paragraph": "1", "Subparagraph": "i" }, "r1205": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Section": "106", "Subsection": "b", "Paragraph": "1", "Subparagraph": "ii" }, "r1206": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Section": "106", "Subsection": "b", "Paragraph": "1", "Subparagraph": "iii" }, "r1207": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Section": "106", "Subsection": "b", "Paragraph": "2" }, "r1208": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Section": "106", "Subsection": "c", "Paragraph": "1" }, "r1209": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Section": "106", "Subsection": "c", "Paragraph": "2" }, "r1210": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Section": "106", "Subsection": "c", "Paragraph": "2", "Subparagraph": "i" }, "r1211": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Section": "106", "Subsection": "c", "Paragraph": "2", "Subparagraph": "ii" }, "r1212": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-K", "Section": "106", "Subsection": "c", "Paragraph": "2", "Subparagraph": "iii" }, "r1213": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-T", "Number": "232", "Section": "405" }, "r1214": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Securities Act", "Number": "230", "Section": "405" }, "r1215": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Securities Act", "Number": "230", "Section": "425" }, "r1216": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Securities Act", "Number": "7A", "Section": "B", "Subsection": "2" }, "r1217": { "role": "http://www.xbrl.org/2003/role/recommendedDisclosureRef", "Topic": "810", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "11", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481231/810-10-45-11" }, "r1218": { "role": "http://www.xbrl.org/2003/role/recommendedDisclosureRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481260/860-50-45-2" }, "r1219": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "25", "Subparagraph": "(a)", "SubTopic": "10", "Topic": "810", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481231/810-10-45-25" }, "r1220": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "SubTopic": "10", "Topic": "250", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-3" }, "r1221": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "9", "Subparagraph": "(a)", "SubTopic": "10", "Topic": "740", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-9" }, "r1222": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1402", "Paragraph": "a", "Publisher": "SEC" }, "r1223": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1402", "Paragraph": "b", "Subparagraph": "(1)", "Publisher": "SEC" }, "r1224": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1402", "Paragraph": "b", "Subparagraph": "(2)", "Publisher": "SEC" }, "r1225": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1402", "Paragraph": "b", "Subparagraph": "(3)", "Publisher": "SEC" }, "r1226": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1402", "Paragraph": "c", "Subparagraph": "(2)(i)", "Publisher": "SEC" }, "r1227": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1402", "Paragraph": "c", "Subparagraph": "(2)(ii)", "Publisher": "SEC" }, "r1228": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1402", "Paragraph": "c", "Subparagraph": "(2)(iii)", "Publisher": "SEC" }, "r1229": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1405", "Paragraph": "a", "Subparagraph": "(1)", "Publisher": "SEC" }, "r1230": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1405", "Paragraph": "a", "Subparagraph": "(2)", "Publisher": "SEC" }, "r1231": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Regulation S-K (SK)", "Number": "229", "Section": "1405", "Paragraph": "a", "Subparagraph": "(3)", "Publisher": "SEC" }, "r1232": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Regulation S-X (SX)", "Number": "210", "Section": "12", "Subsection": "04", "Paragraph": "a", "Publisher": "SEC" }, "r1233": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Regulation S-X (SX)", "Number": "210", "Section": "13", "Subsection": "01", "Paragraph": "a", "Subparagraph": "(4)(i)", "Publisher": "SEC" }, "r1234": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Regulation S-X (SX)", "Number": "210", "Section": "13", "Subsection": "01", "Paragraph": "a", "Subparagraph": "(4)(iv)", "Publisher": "SEC" }, "r1235": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Name": "Regulation S-X (SX)", "Number": "210", "Section": "13", "Subsection": "02", "Paragraph": "a", "Subparagraph": "(4)(iv)", "Publisher": "SEC" }, "r1236": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "105", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "6", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479343/105-10-65-6" }, "r1237": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "205", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483504/205-10-50-1" }, "r1238": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "210", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/210/tableOfContent" }, "r1239": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r1240": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(18))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r1241": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "210", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.5-02(3)(a)(4))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1" }, "r1242": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482765/220-10-50-4" }, "r1243": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482765/220-10-50-5" }, "r1244": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482765/220-10-50-6" }, "r1245": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SX 210.5-03(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2" }, "r1246": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "220", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SX 210.5-03(4))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2" }, "r1247": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "12", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-12" }, "r1248": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "13", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-13" }, "r1249": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "16", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-16" }, "r1250": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "21", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-21" }, "r1251": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "28", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-28" }, "r1252": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482913/230-10-50-2" }, "r1253": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "230", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482913/230-10-50-2A" }, "r1254": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "235", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.4-08(f))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1" }, "r1255": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "235", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.4-08(g)(1)(ii))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1" }, "r1256": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "235", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.4-08(h)(1)(Note 1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1" }, "r1257": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "235", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.12-04(a))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-3" }, "r1258": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "23", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483421/250-10-45-23" }, "r1259": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "24", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483421/250-10-45-24" }, "r1260": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "5", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483421/250-10-45-5" }, "r1261": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "6", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483421/250-10-45-6" }, "r1262": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "250", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-6" }, "r1263": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "260", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482662/260-10-50-1" }, "r1264": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "260", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482662/260-10-50-1" }, "r1265": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "270", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482964/270-10-50-1" }, "r1266": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "18", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-18" }, "r1267": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "22", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22" }, "r1268": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "30", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-30" }, "r1269": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "32", "Subparagraph": "(ee)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32" }, "r1270": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "280", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "32", "Subparagraph": "(f)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32" }, "r1271": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/310-10/tableOfContent" }, "r1272": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-2" }, "r1273": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-2" }, "r1274": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-2" }, "r1275": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-2" }, "r1276": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "310", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-4" }, "r1277": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "310", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "40", "Paragraph": "7", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481628/310-20-40-7" }, "r1278": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "310", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481598/310-20-45-1" }, "r1279": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "310", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481569/310-20-50-1" }, "r1280": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "310", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481569/310-20-50-2" }, "r1281": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481830/320-10-45-1" }, "r1282": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "11", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481830/320-10-45-11" }, "r1283": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2" }, "r1284": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2" }, "r1285": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(aa)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2" }, "r1286": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2" }, "r1287": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2" }, "r1288": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-3" }, "r1289": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-3" }, "r1290": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-3" }, "r1291": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-3" }, "r1292": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r1293": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r1294": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(f)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r1295": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(f)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r1296": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(f)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r1297": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Subparagraph": "(f)(4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5" }, "r1298": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5A", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5A" }, "r1299": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5A", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5A" }, "r1300": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5A", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5A" }, "r1301": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5B", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5B" }, "r1302": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "320", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "9", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-9" }, "r1303": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "321", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479536/321-10-50-3" }, "r1304": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "321", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479536/321-10-50-3" }, "r1305": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "321", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479536/321-10-50-3" }, "r1306": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "321", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479536/321-10-50-4" }, "r1307": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "323", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481687/323-10-50-3" }, "r1308": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "326", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "4", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-4" }, "r1309": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "326", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "5", "Subparagraph": "(c)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-5" }, "r1310": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/326-20/tableOfContent" }, "r1311": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "30", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479391/326-20-30-2" }, "r1312": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479344/326-20-45-1" }, "r1313": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "13", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-13" }, "r1314": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "14", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-14" }, "r1315": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "326", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "5", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-5" }, "r1316": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "326", "SubTopic": "30", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/326-30/tableOfContent" }, "r1317": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "326", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(b)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-4" }, "r1318": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "350", "SubTopic": "20", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/350-20/tableOfContent" }, "r1319": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "350", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482573/350-20-50-1" }, "r1320": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "350", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(h)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482573/350-20-50-1" }, "r1321": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/350-30/tableOfContent" }, "r1322": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482686/350-30-45-1" }, "r1323": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1" }, "r1324": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1" }, "r1325": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(a)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1" }, "r1326": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1" }, "r1327": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2" }, "r1328": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2" }, "r1329": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(d)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2" }, "r1330": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "350", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(d)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2" }, "r1331": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "350", "SubTopic": "60", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147476166/350-60-65-1" }, "r1332": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "360", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "5", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482130/360-10-45-5" }, "r1333": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "360", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482099/360-10-50-3" }, "r1334": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "405", "SubTopic": "30", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/405-30/tableOfContent" }, "r1335": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "405", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477092/405-40-50-1" }, "r1336": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "405", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477092/405-40-50-1" }, "r1337": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "405", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(e)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477092/405-40-50-1" }, "r1338": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "410", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "10", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481931/410-30-50-10" }, "r1339": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "450", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/450/tableOfContent" }, "r1340": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "460", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482425/460-10-50-3" }, "r1341": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481544/470-10-50-6" }, "r1342": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481544/470-10-50-6" }, "r1343": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1A", "Subparagraph": "(SX 210.13-01(a)(4)(i))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1A" }, "r1344": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1A", "Subparagraph": "(SX 210.13-01(a)(4)(ii))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1A" }, "r1345": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1A", "Subparagraph": "(SX 210.13-01(a)(4)(iii))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1A" }, "r1346": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1A", "Subparagraph": "(SX 210.13-01(a)(4)(iv))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1A" }, "r1347": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "470", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1B", "Subparagraph": "(SX 210.13-02(a)(4)(iv))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1B" }, "r1348": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1B", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B" }, "r1349": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1D", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1D" }, "r1350": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "470", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1E", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1E" }, "r1351": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "505", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481520/505-30-50-4" }, "r1352": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "606", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "55", "Paragraph": "91", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479777/606-10-55-91" }, "r1353": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)(ii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r1354": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r1355": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "715", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(n)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1" }, "r1356": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "715", "SubTopic": "60", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480266/715-60-50-4" }, "r1357": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1358": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1359": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1360": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1361": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)(ii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1362": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)(iii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1363": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)(iv)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1364": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)(iv)(01)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1365": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)(iv)(02)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1366": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)(iv)(03)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1367": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)(iv)(04)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1368": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(2)(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1369": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(2)(ii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1370": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(2)(iii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1371": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(2)(iii)(01)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1372": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(2)(iii)(02)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1373": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(2)(iii)(03)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1374": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(d)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1375": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(d)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1376": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(e)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1377": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(e)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1378": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(f)(2)(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1379": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(f)(2)(ii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1380": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(f)(2)(iii)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1381": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(f)(2)(iv)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1382": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(f)(2)(v)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1383": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "718", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2" }, "r1384": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "12", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12" }, "r1385": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "12", "Subparagraph": "(b)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12" }, "r1386": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-2" }, "r1387": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "22", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-22" }, "r1388": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "23", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-23" }, "r1389": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-3" }, "r1390": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-6" }, "r1391": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "9", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-9" }, "r1392": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "9", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-9" }, "r1393": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "8", "Subparagraph": "(d)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482615/740-10-65-8" }, "r1394": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "8", "Subparagraph": "(d)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482615/740-10-65-8" }, "r1395": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "740", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SAB Topic 6.I.7)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479360/740-10-S99-1" }, "r1396": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "740", "SubTopic": "323", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(d)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2" }, "r1397": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "740", "SubTopic": "323", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2" }, "r1398": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1A", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-1A" }, "r1399": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1A", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-1A" }, "r1400": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "815", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1B", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-1B" }, "r1401": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "815", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(b)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1" }, "r1402": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "815", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(e)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1" }, "r1403": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "815", "SubTopic": "40", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "1", "Subparagraph": "(e)(4)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1" }, "r1404": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "35", "Paragraph": "54B", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482134/820-10-35-54B" }, "r1405": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r1406": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r1407": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(bbb)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r1408": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(bbb)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r1409": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(bbb)(2)(i)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r1410": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r1411": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r1412": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(1a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r1413": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r1414": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(c)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r1415": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2" }, "r1416": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2E", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2E" }, "r1417": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-3" }, "r1418": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-3" }, "r1419": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "820", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6A", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6A" }, "r1420": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "825", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "10", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482907/825-10-50-10" }, "r1421": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "825", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "28", "Subparagraph": "(f)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482907/825-10-50-28" }, "r1422": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "835", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1A", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482925/835-30-45-1A" }, "r1423": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "835", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482925/835-30-45-2" }, "r1424": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "835", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "3", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482925/835-30-45-3" }, "r1425": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "835", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147482900/835-30-50-1" }, "r1426": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(a)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478964/842-20-50-3" }, "r1427": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "842", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478964/842-20-50-6" }, "r1428": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "848", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "65", "Paragraph": "2", "Subparagraph": "(a)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483550/848-10-65-2" }, "r1429": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "850", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483326/850-10-50-1" }, "r1430": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "850", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483326/850-10-50-1" }, "r1431": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "850", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147483326/850-10-50-3" }, "r1432": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "852", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481404/852-10-50-7" }, "r1433": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "852", "SubTopic": "10", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "7", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481404/852-10-50-7" }, "r1434": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(c)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3" }, "r1435": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(c)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3" }, "r1436": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(c)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3" }, "r1437": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(b)(1)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4" }, "r1438": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(b)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4" }, "r1439": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "860", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(b)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4" }, "r1440": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "860", "SubTopic": "30", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1A", "Subparagraph": "(b)(2)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481420/860-30-50-1A" }, "r1441": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "860", "SubTopic": "50", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "4", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4" }, "r1442": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "940", "SubTopic": "320", "Name": "Accounting Standards Codification", "Publisher": "FASB", "URI": "https://asc.fasb.org/940-320/tableOfContent" }, "r1443": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "940", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479035/940-320-45-2" }, "r1444": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "942", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.9-03(10))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1" }, "r1445": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "942", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477268/942-320-50-2" }, "r1446": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "942", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(b)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477268/942-320-50-3" }, "r1447": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "942", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(c)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477268/942-320-50-3" }, "r1448": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "942", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "3", "Subparagraph": "(d)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477268/942-320-50-3" }, "r1449": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(16)(a)(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r1450": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(16)(a)(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r1451": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(17))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r1452": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "944", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.7-03(a)(2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1" }, "r1453": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "944", "SubTopic": "80", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "1", "Subparagraph": "(e)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480109/944-80-50-1" }, "r1454": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "15", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480990/946-20-50-15" }, "r1455": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "16", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147480990/946-20-50-16" }, "r1456": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "205", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "4", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478009/946-205-45-4" }, "r1457": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "6", "Subparagraph": "(a)(3)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-6" }, "r1458": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "210", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-04(12)(b)(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1" }, "r1459": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "3", "Subparagraph": "(k)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479105/946-220-45-3" }, "r1460": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(1))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r1461": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.6-07(2)(b))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1" }, "r1462": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.6-09(4)(b))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-3" }, "r1463": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "220", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.6-09(7))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-3" }, "r1464": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "310", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "1", "Subparagraph": "(a)", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477802/946-310-45-1" }, "r1465": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.12-12(Column A)(Footnote 2)(ii))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-1" }, "r1466": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "1", "Subparagraph": "(SX 210.12-12(Column A)(Footnote 2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-1" }, "r1467": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "2", "Subparagraph": "(SX 210.12-12A(Column A)(Footnote 2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-2" }, "r1468": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "3", "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 1)(b))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-3" }, "r1469": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "6", "Subparagraph": "(SX 210.12-14(Column A)(Footnote 2))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-6" }, "r1470": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "320", "Name": "Accounting Standards Codification", "Section": "S99", "Paragraph": "6", "Subparagraph": "(SX 210.12-14(Column E)(Footnote 4))", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-6" }, "r1471": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "946", "SubTopic": "830", "Name": "Accounting Standards Codification", "Section": "45", "Paragraph": "39", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147477346/946-830-45-39" }, "r1472": { "role": "http://www.xbrl.org/2009/role/commonPracticeRef", "Topic": "985", "SubTopic": "20", "Name": "Accounting Standards Codification", "Section": "50", "Paragraph": "2", "Publisher": "FASB", "URI": "https://asc.fasb.org/1943274/2147481283/985-20-50-2" } } } ZIP 143 0001839882-25-014778-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001839882-25-014778-xbrl.zip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

  •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�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end XML 144 wneb-10k_123124_htm.xml IDEA: XBRL DOCUMENT 0001157647 2024-01-01 2024-12-31 0001157647 2024-06-28 0001157647 2025-03-03 0001157647 2024-10-01 2024-12-31 0001157647 2024-12-31 0001157647 2023-12-31 0001157647 2023-01-01 2023-12-31 0001157647 2022-01-01 2022-12-31 0001157647 us-gaap:CommonStockMember 2021-12-31 0001157647 us-gaap:AdditionalPaidInCapitalMember 2021-12-31 0001157647 wneb:EmployeeStockOwnershipPlanESOPPlanMember 2021-12-31 0001157647 us-gaap:DeferredCompensationShareBasedPaymentsMember 2021-12-31 0001157647 us-gaap:RetainedEarningsMember 2021-12-31 0001157647 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2021-12-31 0001157647 2021-12-31 0001157647 us-gaap:CommonStockMember 2022-12-31 0001157647 us-gaap:AdditionalPaidInCapitalMember 2022-12-31 0001157647 wneb:EmployeeStockOwnershipPlanESOPPlanMember 2022-12-31 0001157647 us-gaap:DeferredCompensationShareBasedPaymentsMember 2022-12-31 0001157647 us-gaap:RetainedEarningsMember 2022-12-31 0001157647 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2022-12-31 0001157647 2022-12-31 0001157647 us-gaap:CommonStockMember 2023-12-31 0001157647 us-gaap:AdditionalPaidInCapitalMember 2023-12-31 0001157647 wneb:EmployeeStockOwnershipPlanESOPPlanMember 2023-12-31 0001157647 us-gaap:DeferredCompensationShareBasedPaymentsMember 2023-12-31 0001157647 us-gaap:RetainedEarningsMember 2023-12-31 0001157647 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2023-12-31 0001157647 us-gaap:CommonStockMember 2022-01-01 2022-12-31 0001157647 us-gaap:AdditionalPaidInCapitalMember 2022-01-01 2022-12-31 0001157647 wneb:EmployeeStockOwnershipPlanESOPPlanMember 2022-01-01 2022-12-31 0001157647 us-gaap:DeferredCompensationShareBasedPaymentsMember 2022-01-01 2022-12-31 0001157647 us-gaap:RetainedEarningsMember 2022-01-01 2022-12-31 0001157647 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2022-01-01 2022-12-31 0001157647 us-gaap:CommonStockMember 2023-01-01 2023-12-31 0001157647 us-gaap:AdditionalPaidInCapitalMember 2023-01-01 2023-12-31 0001157647 wneb:EmployeeStockOwnershipPlanESOPPlanMember 2023-01-01 2023-12-31 0001157647 us-gaap:DeferredCompensationShareBasedPaymentsMember 2023-01-01 2023-12-31 0001157647 us-gaap:RetainedEarningsMember 2023-01-01 2023-12-31 0001157647 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2023-01-01 2023-12-31 0001157647 us-gaap:CommonStockMember 2024-01-01 2024-12-31 0001157647 us-gaap:AdditionalPaidInCapitalMember 2024-01-01 2024-12-31 0001157647 wneb:EmployeeStockOwnershipPlanESOPPlanMember 2024-01-01 2024-12-31 0001157647 us-gaap:DeferredCompensationShareBasedPaymentsMember 2024-01-01 2024-12-31 0001157647 us-gaap:RetainedEarningsMember 2024-01-01 2024-12-31 0001157647 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-01-01 2024-12-31 0001157647 us-gaap:CommonStockMember 2024-12-31 0001157647 us-gaap:AdditionalPaidInCapitalMember 2024-12-31 0001157647 wneb:EmployeeStockOwnershipPlanESOPPlanMember 2024-12-31 0001157647 us-gaap:DeferredCompensationShareBasedPaymentsMember 2024-12-31 0001157647 us-gaap:RetainedEarningsMember 2024-12-31 0001157647 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-12-31 0001157647 us-gaap:AccountingStandardsUpdate201613Member 2023-01-01 2023-12-31 0001157647 wneb:DefinedContributionPension1Member 2024-01-01 2024-12-31 0001157647 us-gaap:BuildingMember 2024-12-31 0001157647 srt:MinimumMember us-gaap:LeaseholdImprovementsMember 2024-12-31 0001157647 srt:MaximumMember us-gaap:LeaseholdImprovementsMember 2024-12-31 0001157647 srt:MinimumMember wneb:EquipmentAndFurnitureMember 2024-12-31 0001157647 srt:MaximumMember wneb:EquipmentAndFurnitureMember 2024-12-31 0001157647 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2024-12-31 0001157647 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2023-12-31 0001157647 wneb:GovernmentSponsoredEnterpriseObligationsMember 2024-12-31 0001157647 us-gaap:CorporateDebtSecuritiesMember 2024-12-31 0001157647 us-gaap:DebtSecuritiesMember 2024-12-31 0001157647 wneb:GovernmentSponsoredMortgageBackedSecuritiesMember 2024-12-31 0001157647 wneb:USGovernmentGuaranteedMortgageBackedSecuritiesMember 2024-12-31 0001157647 us-gaap:MortgageBackedSecuritiesMember 2024-12-31 0001157647 us-gaap:USTreasurySecuritiesMember 2024-12-31 0001157647 wneb:USGovernmentGuaranteedObligationsMember 2024-12-31 0001157647 wneb:GovernmentSponsoredEnterpriseObligationsMember 2023-12-31 0001157647 wneb:StateAndMunicipalBondsMember 2023-12-31 0001157647 us-gaap:CorporateDebtSecuritiesMember 2023-12-31 0001157647 us-gaap:DebtSecuritiesMember 2023-12-31 0001157647 wneb:GovernmentSponsoredMortgageBackedSecuritiesMember 2023-12-31 0001157647 wneb:USGovernmentGuaranteedMortgageBackedSecuritiesMember 2023-12-31 0001157647 us-gaap:MortgageBackedSecuritiesMember 2023-12-31 0001157647 us-gaap:USTreasurySecuritiesMember 2023-12-31 0001157647 2023-04-01 2023-06-30 0001157647 us-gaap:USTreasurySecuritiesMember us-gaap:AssetPledgedAsCollateralMember us-gaap:DepositsMember 2024-12-31 0001157647 wneb:GovernmentSponsoredEnterpriseObligationsMember us-gaap:AssetPledgedAsCollateralMember us-gaap:DepositsMember 2024-12-31 0001157647 us-gaap:MortgageBackedSecuritiesMember us-gaap:AssetPledgedAsCollateralMember us-gaap:DepositsMember 2024-12-31 0001157647 wneb:GuaranteedByGovernmentAgenciesMember 2024-12-31 0001157647 wneb:GuaranteedByGovernmentAgenciesMember 2023-12-31 0001157647 wneb:NotGuaranteedByGovernmentAgenciesMember 2024-12-31 0001157647 wneb:NotGuaranteedByGovernmentAgenciesMember 2023-12-31 0001157647 us-gaap:ExternalCreditRatingNonInvestmentGradeMember wneb:CorporateBondsMember 2024-12-31 0001157647 us-gaap:ExternalCreditRatingNonInvestmentGradeMember wneb:CorporateBondsMember 2023-12-31 0001157647 wneb:CorporateBondsMember 2024-12-31 0001157647 wneb:CorporateBondsMember 2023-12-31 0001157647 wneb:CommercialRealEstateNonOwnerOccupiedMember 2024-12-31 0001157647 wneb:CommercialRealEstateNonOwnerOccupiedMember 2023-12-31 0001157647 wneb:CommercialRealEstateOwnerOccupiedMember 2024-12-31 0001157647 wneb:CommercialRealEstateOwnerOccupiedMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember 2023-12-31 0001157647 us-gaap:HomeEquityMember 2024-12-31 0001157647 us-gaap:HomeEquityMember 2023-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember 2024-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember 2023-12-31 0001157647 us-gaap:ConsumerLoanMember 2024-12-31 0001157647 us-gaap:ConsumerLoanMember 2023-12-31 0001157647 us-gaap:AssetPledgedAsCollateralMember us-gaap:FederalHomeLoanBankAdvancesMember 2024-12-31 0001157647 us-gaap:AssetPledgedAsCollateralMember us-gaap:FederalHomeLoanBankAdvancesMember 2023-12-31 0001157647 us-gaap:AssetPledgedAsCollateralMember us-gaap:FederalReserveBankAdvancesMember 2024-12-31 0001157647 us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 us-gaap:CommercialLoanMember 2024-12-31 0001157647 us-gaap:RealEstateLoanMember 2024-12-31 0001157647 2024-07-01 2024-09-30 0001157647 wneb:UnallocatedMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember 2024-01-01 2024-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember 2024-01-01 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember 2024-01-01 2024-12-31 0001157647 us-gaap:ConsumerLoanMember 2024-01-01 2024-12-31 0001157647 wneb:UnallocatedMember 2024-01-01 2024-12-31 0001157647 wneb:UnallocatedMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember 2022-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember 2022-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember 2022-12-31 0001157647 us-gaap:ConsumerLoanMember 2022-12-31 0001157647 wneb:UnallocatedMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember us-gaap:CommercialRealEstateMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember us-gaap:ResidentialPortfolioSegmentMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember us-gaap:CommercialAndIndustrialSectorMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember us-gaap:ConsumerLoanMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember wneb:UnallocatedMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:CommercialRealEstateMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:ResidentialPortfolioSegmentMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:CommercialAndIndustrialSectorMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:ConsumerLoanMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember wneb:UnallocatedMember 2022-12-31 0001157647 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember 2022-12-31 0001157647 us-gaap:CommercialRealEstateMember 2023-01-01 2023-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember 2023-01-01 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember 2023-01-01 2023-12-31 0001157647 us-gaap:ConsumerLoanMember 2023-01-01 2023-12-31 0001157647 wneb:UnallocatedMember 2023-01-01 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember 2021-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember 2021-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember 2021-12-31 0001157647 us-gaap:ConsumerLoanMember 2021-12-31 0001157647 wneb:UnallocatedMember 2021-12-31 0001157647 us-gaap:CommercialRealEstateMember 2022-01-01 2022-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember 2022-01-01 2022-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember 2022-01-01 2022-12-31 0001157647 us-gaap:ConsumerLoanMember 2022-01-01 2022-12-31 0001157647 wneb:UnallocatedMember 2022-01-01 2022-12-31 0001157647 wneb:NonOwnerOccupiedMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 wneb:NonOwnerOccupiedMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 wneb:NonOwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 wneb:NonOwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 wneb:NonOwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 wneb:NonOwnerOccupiedMember 2024-12-31 0001157647 wneb:OwnerOccupiedMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 wneb:OwnerOccupiedMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 wneb:OwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 wneb:OwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 wneb:OwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 wneb:OwnerOccupiedMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancialAssetPastDueMember 2024-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 us-gaap:FinancingReceivables30To59DaysPastDueMember 2024-12-31 0001157647 us-gaap:FinancingReceivables60To89DaysPastDueMember 2024-12-31 0001157647 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2024-12-31 0001157647 us-gaap:FinancialAssetNotPastDueMember 2024-12-31 0001157647 wneb:CommercialRealEstateNonOwnerOccupiedMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateNonOwnerOccupiedMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateNonOwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateNonOwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateNonOwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateOwnerOccupiedMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateOwnerOccupiedMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateOwnerOccupiedMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateOwnerOccupiedMember us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 wneb:CommercialRealEstateOwnerOccupiedMember us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 us-gaap:HomeEquityMember us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancialAssetPastDueMember 2023-12-31 0001157647 us-gaap:ConsumerLoanMember us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 us-gaap:FinancingReceivables30To59DaysPastDueMember 2023-12-31 0001157647 us-gaap:FinancingReceivables60To89DaysPastDueMember 2023-12-31 0001157647 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2023-12-31 0001157647 us-gaap:FinancialAssetNotPastDueMember 2023-12-31 0001157647 wneb:NonOwnerOccupiedMember 2024-01-01 2024-12-31 0001157647 wneb:OwnerOccupiedMember 2024-01-01 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember 2024-01-01 2024-12-31 0001157647 us-gaap:HomeEquityMember 2024-01-01 2024-12-31 0001157647 us-gaap:ResidentialRealEstateMember 2024-12-31 0001157647 us-gaap:ResidentialRealEstateMember 2024-01-01 2024-12-31 0001157647 wneb:NonOwnerOccupiedMember 2023-12-31 0001157647 wneb:NonOwnerOccupiedMember 2023-01-01 2023-12-31 0001157647 wneb:OwnerOccupiedMember 2023-12-31 0001157647 wneb:OwnerOccupiedMember 2023-01-01 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember 2023-01-01 2023-12-31 0001157647 us-gaap:HomeEquityMember 2023-01-01 2023-12-31 0001157647 us-gaap:ResidentialRealEstateMember 2023-12-31 0001157647 us-gaap:ResidentialRealEstateMember 2023-01-01 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember wneb:NonOwnerOccupiedMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember wneb:OwnerOccupiedMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:CommercialRealEstateMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:ResidentialMortgageMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:HomeEquityMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:ResidentialRealEstateMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:CommercialAndIndustrialSectorMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:ConsumerLoanMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember 2024-12-31 0001157647 wneb:WithAllowanceRecordedMember us-gaap:CommercialAndIndustrialSectorMember 2024-12-31 0001157647 wneb:WithAllowanceRecordedMember 2024-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember wneb:NonOwnerOccupiedMember 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember wneb:OwnerOccupiedMember 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:CommercialRealEstateMember 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:ResidentialMortgageMember 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:HomeEquityMember 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:ResidentialRealEstateMember 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:CommercialAndIndustrialSectorMember 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember us-gaap:ConsumerLoanMember 2023-12-31 0001157647 wneb:WithNoRelatedAllowanceRecordedMember 2023-12-31 0001157647 wneb:WithAllowanceRecordedMember us-gaap:CommercialAndIndustrialSectorMember 2023-12-31 0001157647 wneb:WithAllowanceRecordedMember 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember wneb:Pass11Member 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember wneb:SpecialMention11Member 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember wneb:Substandard11Member 2024-12-31 0001157647 us-gaap:PerformingFinancingReceivableMember us-gaap:CommercialRealEstateMember 2024-12-31 0001157647 us-gaap:NonperformingFinancingReceivableMember us-gaap:CommercialRealEstateMember 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember wneb:Pass11Member 2024-12-31 0001157647 us-gaap:ResidentialMortgageMember wneb:Substandard11Member 2024-12-31 0001157647 us-gaap:PerformingFinancingReceivableMember us-gaap:ResidentialMortgageMember 2024-12-31 0001157647 us-gaap:NonperformingFinancingReceivableMember us-gaap:ResidentialMortgageMember 2024-12-31 0001157647 us-gaap:HomeEquityMember wneb:Pass11Member 2024-12-31 0001157647 us-gaap:HomeEquityMember wneb:Substandard11Member 2024-12-31 0001157647 us-gaap:PerformingFinancingReceivableMember us-gaap:HomeEquityMember 2024-12-31 0001157647 us-gaap:NonperformingFinancingReceivableMember us-gaap:HomeEquityMember 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember wneb:Pass11Member 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember wneb:SpecialMention11Member 2024-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember wneb:Substandard11Member 2024-12-31 0001157647 us-gaap:PerformingFinancingReceivableMember us-gaap:CommercialAndIndustrialSectorMember 2024-12-31 0001157647 us-gaap:NonperformingFinancingReceivableMember us-gaap:CommercialAndIndustrialSectorMember 2024-12-31 0001157647 us-gaap:ConsumerLoanMember wneb:Pass11Member 2024-12-31 0001157647 us-gaap:ConsumerLoanMember wneb:Substandard11Member 2024-12-31 0001157647 us-gaap:PerformingFinancingReceivableMember us-gaap:ConsumerLoanMember 2024-12-31 0001157647 us-gaap:NonperformingFinancingReceivableMember us-gaap:ConsumerLoanMember 2024-12-31 0001157647 us-gaap:CommercialRealEstateMember wneb:Pass11Member 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember wneb:SpecialMention11Member 2023-12-31 0001157647 us-gaap:CommercialRealEstateMember wneb:Substandard11Member 2023-12-31 0001157647 us-gaap:PerformingFinancingReceivableMember us-gaap:CommercialRealEstateMember 2023-12-31 0001157647 us-gaap:NonperformingFinancingReceivableMember us-gaap:CommercialRealEstateMember 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember wneb:Pass11Member 2023-12-31 0001157647 us-gaap:ResidentialMortgageMember wneb:Substandard11Member 2023-12-31 0001157647 us-gaap:PerformingFinancingReceivableMember us-gaap:ResidentialMortgageMember 2023-12-31 0001157647 us-gaap:NonperformingFinancingReceivableMember us-gaap:ResidentialMortgageMember 2023-12-31 0001157647 us-gaap:HomeEquityMember wneb:Pass11Member 2023-12-31 0001157647 us-gaap:HomeEquityMember wneb:Substandard11Member 2023-12-31 0001157647 us-gaap:PerformingFinancingReceivableMember us-gaap:HomeEquityMember 2023-12-31 0001157647 us-gaap:NonperformingFinancingReceivableMember us-gaap:HomeEquityMember 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember wneb:Pass11Member 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember wneb:SpecialMention11Member 2023-12-31 0001157647 us-gaap:CommercialAndIndustrialSectorMember wneb:Substandard11Member 2023-12-31 0001157647 us-gaap:PerformingFinancingReceivableMember us-gaap:CommercialAndIndustrialSectorMember 2023-12-31 0001157647 us-gaap:NonperformingFinancingReceivableMember us-gaap:CommercialAndIndustrialSectorMember 2023-12-31 0001157647 us-gaap:ConsumerLoanMember wneb:Pass11Member 2023-12-31 0001157647 us-gaap:ConsumerLoanMember wneb:Substandard11Member 2023-12-31 0001157647 us-gaap:PerformingFinancingReceivableMember us-gaap:ConsumerLoanMember 2023-12-31 0001157647 us-gaap:NonperformingFinancingReceivableMember us-gaap:ConsumerLoanMember 2023-12-31 0001157647 us-gaap:SpecialMentionMember 2024-12-31 0001157647 us-gaap:SpecialMentionMember 2023-12-31 0001157647 us-gaap:SubstandardMember 2024-12-31 0001157647 us-gaap:SubstandardMember 2023-12-31 0001157647 us-gaap:CriticizedMember 2024-12-31 0001157647 us-gaap:CriticizedMember 2023-12-31 0001157647 us-gaap:LandMember 2024-12-31 0001157647 us-gaap:LandMember 2023-12-31 0001157647 us-gaap:BuildingMember 2023-12-31 0001157647 us-gaap:LeaseholdImprovementsMember 2024-12-31 0001157647 us-gaap:LeaseholdImprovementsMember 2023-12-31 0001157647 wneb:EquipmentAndFurnitureMember 2024-12-31 0001157647 wneb:EquipmentAndFurnitureMember 2023-12-31 0001157647 us-gaap:CoreDepositsMember 2024-12-31 0001157647 us-gaap:FederalHomeLoanBankBorrowingsMember 2023-12-31 0001157647 us-gaap:LineOfCreditMember 2024-12-31 0001157647 us-gaap:LineOfCreditMember 2023-12-31 0001157647 us-gaap:FederalHomeLoanBankBorrowingsMember 2024-12-31 0001157647 wneb:OtherBorrowingsMember 2024-12-31 0001157647 wneb:OtherBorrowingsMember 2023-12-31 0001157647 wneb:FederalReserveBankDiscountWindowMember 2024-12-31 0001157647 wneb:FederalReserveBankDiscountWindowMember 2023-12-31 0001157647 wneb:Bank1Member 2024-12-31 0001157647 wneb:Bank1Member 2023-12-31 0001157647 wneb:BankMember 2024-12-31 0001157647 wneb:BankMember 2023-12-31 0001157647 us-gaap:ShortTermDebtMember 2024-01-01 2024-12-31 0001157647 us-gaap:ShortTermDebtMember 2022-01-01 2022-12-31 0001157647 us-gaap:LongTermDebtMember 2024-01-01 2024-12-31 0001157647 us-gaap:LongTermDebtMember 2023-01-01 2023-12-31 0001157647 wneb:BTFPAdvancesMember 2024-05-01 2024-05-31 0001157647 wneb:BTFPAdvancesMember 2023-12-31 0001157647 us-gaap:SubordinatedDebtMember 2021-04-20 0001157647 us-gaap:DebtInstrumentRedemptionPeriodOneMember us-gaap:SubordinatedDebtMember 2024-12-31 0001157647 us-gaap:SubordinatedDebtMember 2024-12-31 0001157647 us-gaap:SubordinatedDebtMember 2024-01-01 2024-12-31 0001157647 us-gaap:DebtInstrumentRedemptionPeriodTwoMember us-gaap:SubordinatedDebtMember 2024-01-01 2024-12-31 0001157647 us-gaap:SubordinatedDebtMember 2023-01-01 2023-12-31 0001157647 wneb:StockCompensationPlan2014Member 2021-05-14 0001157647 us-gaap:StockCompensationPlanMember us-gaap:ShareBasedPaymentArrangementEmployeeMember 2024-01-01 2024-12-31 0001157647 us-gaap:StockCompensationPlanMember us-gaap:ShareBasedPaymentArrangementNonemployeeMember 2024-01-01 2024-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member 2021-05-01 2021-05-31 0001157647 wneb:TimeBasedSharesMember wneb:LongTermIncentiveProgramCurrent2021Member 2021-05-01 2021-05-31 0001157647 us-gaap:PerformanceSharesMember wneb:LongTermIncentiveProgramCurrent2021Member 2021-05-01 2021-05-31 0001157647 us-gaap:PerformanceSharesMember wneb:LongTermIncentiveProgramCurrent2021Member wneb:ThresholdMember 2021-05-01 2021-05-31 0001157647 us-gaap:PerformanceSharesMember wneb:LongTermIncentiveProgramCurrent2021Member wneb:StretchMember 2021-05-01 2021-05-31 0001157647 us-gaap:PerformanceSharesMember 2024-01-01 2024-03-31 0001157647 wneb:LongTermIncentiveProgramCurrent2022Member 2022-03-01 2022-03-31 0001157647 wneb:TimeBasedSharesMember wneb:LongTermIncentiveProgramCurrent2022Member 2022-03-01 2022-03-31 0001157647 us-gaap:PerformanceSharesMember wneb:LongTermIncentiveProgramCurrent2022Member 2022-03-01 2022-03-31 0001157647 us-gaap:PerformanceSharesMember wneb:LongTermIncentiveProgramCurrent2022Member wneb:ThresholdMember 2022-03-01 2022-03-31 0001157647 us-gaap:PerformanceSharesMember wneb:LongTermIncentiveProgramCurrent2022Member wneb:StretchMember 2022-03-01 2022-03-31 0001157647 wneb:TimeBasedSharesMember us-gaap:ShareBasedPaymentArrangementNonemployeeMember wneb:LongTermIncentiveProgramCurrent2021Member 2022-03-01 2022-03-31 0001157647 wneb:TimeBasedSharesMember us-gaap:ShareBasedPaymentArrangementNonemployeeMember wneb:LongTermIncentiveProgramCurrent2021Member 2022-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2023Member 2023-03-01 2023-03-31 0001157647 wneb:TimeBasedSharesMember wneb:LongTermIncentiveProgramCurrent2023Member 2023-03-01 2023-03-31 0001157647 us-gaap:PerformanceSharesMember wneb:LongTermIncentiveProgramCurrent2023Member 2023-03-01 2023-03-31 0001157647 us-gaap:PerformanceSharesMember wneb:LongTermIncentiveProgramCurrent2023Member wneb:ThresholdMember 2023-03-01 2023-03-31 0001157647 us-gaap:PerformanceSharesMember wneb:LongTermIncentiveProgramCurrent2023Member wneb:StretchMember 2023-03-01 2023-03-31 0001157647 wneb:TimeBasedSharesMember us-gaap:ShareBasedPaymentArrangementNonemployeeMember wneb:LongTermIncentiveProgramCurrent2021Member 2023-03-01 2023-03-31 0001157647 wneb:TimeBasedSharesMember us-gaap:ShareBasedPaymentArrangementNonemployeeMember wneb:LongTermIncentiveProgramCurrent2021Member 2023-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2024Member 2024-03-01 2024-03-31 0001157647 wneb:TimeBasedSharesMember wneb:LongTermIncentiveProgramCurrent2024Member 2024-03-01 2024-03-31 0001157647 us-gaap:PerformanceSharesMember wneb:LongTermIncentiveProgramCurrent2024Member 2024-03-01 2024-03-31 0001157647 us-gaap:PerformanceSharesMember wneb:LongTermIncentiveProgramCurrent2024Member wneb:ThresholdMember 2024-03-01 2024-03-31 0001157647 us-gaap:PerformanceSharesMember wneb:LongTermIncentiveProgramCurrent2024Member wneb:StretchMember 2024-03-01 2024-03-31 0001157647 wneb:TimeBasedSharesMember us-gaap:ShareBasedPaymentArrangementNonemployeeMember wneb:LongTermIncentiveProgramCurrent2021Member 2024-03-01 2024-03-31 0001157647 wneb:TimeBasedSharesMember us-gaap:ShareBasedPaymentArrangementNonemployeeMember wneb:LongTermIncentiveProgramCurrent2021Member 2024-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member 2024-03-31 0001157647 us-gaap:RestrictedStockMember 2024-01-01 2024-12-31 0001157647 2002-01-01 2002-01-31 0001157647 2007-01-01 2007-01-31 0001157647 wneb:LoanToEmployeeStockOwnershipPlanTrustMember 2024-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member wneb:ThresholdMember 2021-01-01 2021-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member wneb:TargetMember 2021-01-01 2021-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member wneb:StretchMember 2021-01-01 2021-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2021Member wneb:ActualMember 2021-01-01 2021-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2022Member wneb:ThresholdMember 2022-01-01 2022-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2022Member wneb:TargetMember 2022-01-01 2022-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2022Member wneb:StretchMember 2022-01-01 2022-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2023Member wneb:ThresholdMember 2023-01-01 2023-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2023Member wneb:TargetMember 2023-01-01 2023-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2023Member wneb:StretchMember 2023-01-01 2023-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2024Member wneb:ThresholdMember 2024-01-01 2024-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2024Member wneb:TargetMember 2024-01-01 2024-12-31 0001157647 wneb:LongTermIncentiveProgramCurrent2024Member wneb:StretchMember 2024-01-01 2024-12-31 0001157647 us-gaap:RestrictedStockMember 2023-12-31 0001157647 us-gaap:RestrictedStockMember 2024-12-31 0001157647 us-gaap:RestrictedStockMember 2022-12-31 0001157647 us-gaap:RestrictedStockMember 2023-01-01 2023-12-31 0001157647 wneb:Rate1Member 2023-12-31 0001157647 wneb:Rate2Member 2023-12-31 0001157647 wneb:Rate3Member 2023-12-31 0001157647 wneb:DefinedContributionPension1Member 2023-01-01 2023-12-31 0001157647 wneb:DefinedContributionPension1Member 2022-01-01 2022-12-31 0001157647 us-gaap:LoansMember 2023-12-31 0001157647 us-gaap:FairValueHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2023-12-31 0001157647 us-gaap:InterestRateSwapMember wneb:CustomerCounterpartiesDerivativesMember us-gaap:NondesignatedMember 2024-12-31 0001157647 us-gaap:InterestRateSwapMember wneb:DealerCounterpartiesDerivativesMember us-gaap:NondesignatedMember 2024-12-31 0001157647 us-gaap:NondesignatedMember 2024-12-31 0001157647 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember us-gaap:DesignatedAsHedgingInstrumentMember 2023-12-31 0001157647 us-gaap:InterestRateSwapMember wneb:CustomerCounterpartiesDerivativesMember us-gaap:NondesignatedMember 2023-12-31 0001157647 us-gaap:InterestRateSwapMember wneb:DealerCounterpartiesDerivativesMember us-gaap:NondesignatedMember 2023-12-31 0001157647 us-gaap:NondesignatedMember 2023-12-31 0001157647 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember 2024-01-01 2024-12-31 0001157647 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember 2023-01-01 2023-12-31 0001157647 us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember 2022-01-01 2022-12-31 0001157647 srt:MinimumMember 2024-12-31 0001157647 srt:MaximumMember 2024-12-31 0001157647 wneb:RepurchasePlan2024Member 2024-05-22 0001157647 wneb:RepurchasePlan2024Member 2024-10-01 2024-12-31 0001157647 wneb:RepurchasePlan2024AndPreviousPlanMember 2024-01-01 2024-12-31 0001157647 wneb:RepurchasePlan2024Member 2024-12-31 0001157647 srt:SubsidiariesMember 2024-12-31 0001157647 srt:SubsidiariesMember 2023-12-31 0001157647 us-gaap:DomesticCountryMember 2024-12-31 0001157647 us-gaap:DomesticCountryMember 2024-01-01 2024-12-31 0001157647 us-gaap:UnusedLinesOfCreditMember 2024-12-31 0001157647 us-gaap:UnusedLinesOfCreditMember 2023-12-31 0001157647 wneb:LoanCommitmentsMember 2024-12-31 0001157647 wneb:LoanCommitmentsMember 2023-12-31 0001157647 wneb:ExistingConstructionLoanAgreementsMember 2024-12-31 0001157647 wneb:ExistingConstructionLoanAgreementsMember 2023-12-31 0001157647 us-gaap:StandbyLettersOfCreditMember 2024-12-31 0001157647 us-gaap:StandbyLettersOfCreditMember 2023-12-31 0001157647 wneb:FederalHomeLoanBankStandbyLettersOfCreditMember 2024-12-31 0001157647 wneb:FederalHomeLoanBankStandbyLettersOfCreditMember 2023-12-31 0001157647 srt:MinimumMember 2024-01-01 2024-12-31 0001157647 srt:MaximumMember 2024-01-01 2024-12-31 0001157647 srt:MinimumMember 2023-01-01 2023-12-31 0001157647 srt:MaximumMember 2023-01-01 2023-12-31 0001157647 wneb:SmallBusinessInvestmentCompanyMember 2024-12-31 0001157647 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0001157647 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0001157647 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0001157647 us-gaap:FairValueMeasurementsRecurringMember 2024-12-31 0001157647 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2023-12-31 0001157647 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember 2023-12-31 0001157647 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2023-12-31 0001157647 us-gaap:FairValueMeasurementsRecurringMember 2023-12-31 0001157647 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2024-12-31 0001157647 us-gaap:FairValueMeasurementsNonrecurringMember wneb:IndividuallyEvaluatedLoansMember 2024-01-01 2024-12-31 0001157647 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2023-12-31 0001157647 us-gaap:FairValueMeasurementsNonrecurringMember wneb:IndividuallyEvaluatedLoansMember 2023-01-01 2023-12-31 0001157647 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2024-12-31 0001157647 us-gaap:FairValueInputsLevel1Member 2024-12-31 0001157647 us-gaap:FairValueInputsLevel2Member 2024-12-31 0001157647 us-gaap:FairValueInputsLevel3Member 2024-12-31 0001157647 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2023-12-31 0001157647 us-gaap:FairValueInputsLevel1Member 2023-12-31 0001157647 us-gaap:FairValueInputsLevel2Member 2023-12-31 0001157647 us-gaap:FairValueInputsLevel3Member 2023-12-31 0001157647 srt:ParentCompanyMember 2024-12-31 0001157647 srt:ParentCompanyMember 2023-12-31 0001157647 srt:ParentCompanyMember 2024-01-01 2024-12-31 0001157647 srt:ParentCompanyMember 2023-01-01 2023-12-31 0001157647 srt:ParentCompanyMember 2022-01-01 2022-12-31 0001157647 srt:ParentCompanyMember 2022-12-31 0001157647 srt:ParentCompanyMember 2021-12-31 0001157647 2024-01-01 2024-03-31 0001157647 2024-04-01 2024-06-30 0001157647 2023-01-01 2023-03-31 0001157647 2023-07-01 2023-09-30 0001157647 2023-10-01 2023-12-31 iso4217:USD shares iso4217:USD shares wneb:N iso4217:USD wneb:Loan pure false 2024 FY --12-31 true false 0001157647 http://fasb.org/us-gaap/2024#OtherAssets http://fasb.org/us-gaap/2024#OtherAssets http://fasb.org/us-gaap/2024#OtherLiabilities http://fasb.org/us-gaap/2024#OtherLiabilities http://fasb.org/us-gaap/2024#InterestReceivable http://fasb.org/us-gaap/2024#InterestReceivable -665000 -665000 -825000 1193000 -321000 4995000 5999000 5381000 6421000 12487000 12487000 P3Y P1Y P3Y P3Y P3Y -1143000 http://fasb.org/us-gaap/2024#FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss http://fasb.org/us-gaap/2024#OtherAssets http://fasb.org/us-gaap/2024#OtherLiabilities http://fasb.org/us-gaap/2024#OtherAssets http://fasb.org/us-gaap/2024#OtherLiabilities P5Y 18773000 22393000 1 -1143000 10-K 2024-12-31 001-16767 Western New England Bancorp, Inc. MA 73-1627673 141 Elm Street Westfield MA 01085 (413) 568-1911 Common Stock, $0.01 par value per share WNEB NASDAQ No No Yes Yes Accelerated Filer true false true false false 146942001 6.88 20748498 Portions of the Proxy Statement for the 2025 Annual Meeting of Shareholders are incorporated by reference into Part III of this report. <p id="xdx_809_ecyd--CybersecurityRiskManagementProcessesForAssessingIdentifyingAndManagingThreatsTextBlock_zYqglzL3UEek" 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 &amp; Strategy.</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 uses an enterprise risk management and financial framework to oversee its risks, including risks from cybersecurity incidents, as further described below. The Company’s information technology &amp; cybersecurity risk management is a continuous process that includes identification, assessment, classification, and management of threats that could adversely impact our ability to maintain the integrity of Bank data and systems, prevent unauthorized access to confidential data and Bank systems, and achieve the Company’s operational, financial, reputational, legal and regulatory compliance requirements or objectives. Please see Item 1A. Risk Factors – Risks Related to Cybersecurity and Data Privacy – “<i>We Face Cybersecurity Risks and Risks Associated With Security Breaches Which Have the Potential to Disrupt Our Operations, Cause Material Harm to Our Financial Condition, Result in Misappropriation of Assets, Compromise Confidential Information and/or Damage Our Business Relationships and Can Provide No Assurance That the Steps We and Our Service Providers Take in Response to These Risks Will Be Effective</i>” for our disclosures regarding the most pertinent risks we may experience from cybersecurity threats.</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 has a management-level Strategic Technology Oversight Committee (the “TOC”). Members of the TOC include the Bank’s Information Security Officer (the “ISO”), the Chief Information Officer as well as representatives of each department, including Senior Officers and/or their designees. The TOC reviews the status of various tactical and strategic projects; emerging technologies; cybersecurity, availability and performance metrics; IT and Business Continuity policies; Business Continuity test results and IT &amp; Cybersecurity Risk Assessment results to monitor the extent of risk, evaluate the effectiveness of mitigating controls in place and ensure the level of risk remains within tolerance through acceptance, or further mitigation, transfer or elimination of the 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">Additionally, the Bank has an ISO Metrics Oversight Committee (the “ISO Metrics Committee”) which meets on a monthly basis with a focus on cybersecurity. Members of the ISO Metrics Committee include the ISO, the Chief Information Officer, the Chief Risk Officer, as well as members of the information technology team involved with cybersecurity and infrastructure. The function of the ISO Metrics Committee is to review monthly cybersecurity metrics to support discussion of cyber threats, cyber risk trends, and risk mitigation as well as to participate in an annual tabletop business disruption exercise to assess the Bank’s resilience and readiness should such an event occur.</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">All employees participate in cybersecurity and social engineering training. The Board also receives formal training annually. The Bank conducts social engineering tests for employees, such as phishing tests, throughout the year. We consider employee awareness and training to be a critical component of the Bank’s cybersecurity program.</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">Third-party relationships, including vendor relationships, can offer the Bank a variety of opportunities to enhance its product and servicing offerings along with facilitating operational functions or business activities. Outsourcing processes or functions does not diminish the Bank’s responsibility to ensure that the third-party activity is conducted in a safe and sound manner and in compliance with applicable laws, regulations, and internal policies. Oversight for the potential risks of third-party relationships lies with the Bank’s management and the Board.</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 class="xdx_phnt_RGlzY2xvc3VyZSAtIEN5YmVyc2VjdXJpdHkgUmlzayBNYW5hZ2VtZW50IGFuZCBTdHJhdGVneSBEaXNjbG9zdXJlAA__" id="xdx_906_ecyd--CybersecurityRiskThirdPartyOversightAndIdentificationProcessesFlag_dbT_c20240101__20241231_z9iidMxNmKnb">The Bank maintains a third-party risk management oversight program to effectively assess, measure, monitor and control the risks associated with vendor relationships. The Bank manages its third-party relationships through the use of informed risk assessments, due-diligence reviews, and ongoing oversight and monitoring. Information security and cybersecurity risks are included as elements in the third-party risk management process and are assessed for vendor relationships with access to confidential Bank or customer data.</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: 10pt Times New Roman, Times, Serif"></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 class="xdx_phnt_RGlzY2xvc3VyZSAtIEN5YmVyc2VjdXJpdHkgUmlzayBNYW5hZ2VtZW50IGFuZCBTdHJhdGVneSBEaXNjbG9zdXJlAA__" id="xdx_90F_ecyd--CybersecurityRiskManagementProcessesIntegratedFlag_dbT_c20240101__20241231_zYRaOWkvmWi4">The Bank uses industry standard assessment frameworks as part of its overall cybersecurity risk assessment.</span> <span class="xdx_phnt_RGlzY2xvc3VyZSAtIEN5YmVyc2VjdXJpdHkgUmlzayBNYW5hZ2VtZW50IGFuZCBTdHJhdGVneSBEaXNjbG9zdXJlAA__" id="xdx_90F_ecyd--CybersecurityRiskManagementProcessesIntegratedTextBlock_c20240101__20241231_zglEAJwklJB7">Industry standard assessment frameworks are used to evaluate the effectiveness of the Bank’s mitigating controls and support initiatives to achieve continuous improvements in the efficacy of the control environment. The Bank’s TOC and Enterprise Risk Management framework provide ongoing oversight and governance of technology and cybersecurity risk management activities to ensure alignment with the Bank’s risk appetite. Independent audits are performed periodically to review the Bank’s mitigating controls as well as to conduct penetration testing of the Bank’s internal and external systems to help assess the effectiveness of the Bank’s security controls. Additionally, on an annual basis, an independent auditor tests our employees’ awareness of and resilience to various social engineering tactics to provide independent verification and to augment the Bank’s internal testing. Results of the audits are reported through the Bank’s Audit Committee, and ultimately to the Bank’s Board.</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"><span class="xdx_phnt_RGlzY2xvc3VyZSAtIEN5YmVyc2VjdXJpdHkgUmlzayBNYW5hZ2VtZW50IGFuZCBTdHJhdGVneSBEaXNjbG9zdXJlAA__" id="xdx_90C_ecyd--CybersecurityRiskManagementThirdPartyEngagedFlag_dbT_c20240101__20241231_zb6d8bm4kmhh">The Bank also has a relationship with a third-party Security Operations Center that provides continuous monitoring of all traffic in our environment for anomalies as well as services, as needed, to assist in conducting forensic analysis, correlation and remediation activities for any potential indications of compromise.</span></span></p> true true Industry standard assessment frameworks are used to evaluate the effectiveness of the Bank’s mitigating controls and support initiatives to achieve continuous improvements in the efficacy of the control environment. The Bank’s TOC and Enterprise Risk Management framework provide ongoing oversight and governance of technology and cybersecurity risk management activities to ensure alignment with the Bank’s risk appetite. Independent audits are performed periodically to review the Bank’s mitigating controls as well as to conduct penetration testing of the Bank’s internal and external systems to help assess the effectiveness of the Bank’s security controls. Additionally, on an annual basis, an independent auditor tests our employees’ awareness of and resilience to various social engineering tactics to provide independent verification and to augment the Bank’s internal testing. Results of the audits are reported through the Bank’s Audit Committee, and ultimately to the Bank’s Board. true <p id="xdx_807_ecyd--CybersecurityRiskBoardOfDirectorsOversightTextBlock_zJFkHELKryma" style="font: 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>Governance.</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"><span class="xdx_phnt_RGlzY2xvc3VyZSAtIEN5YmVyc2VjdXJpdHkgUmlzayBNYW5hZ2VtZW50IGFuZCBTdHJhdGVneSBEaXNjbG9zdXJlAA__" id="xdx_904_ecyd--CybersecurityRiskBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock_c20240101__20241231_zJS1lP3TZO0b">The Finance and Risk Management Committee is a standing committee of the Board formed in January 2014 to assist the Board and the Executive Committee of the Board in fulfilling their responsibility with respect to the oversight of the Company’s (1) enterprise risk management and financial framework, including all risks associated therewith, including risks related to cyber incidents and (2) policies and practices relating to financial matters, including but not limited to, capital, liquidity and financing, as well as to merger, acquisition and divestiture activity.</span> <span class="xdx_phnt_RGlzY2xvc3VyZSAtIEN5YmVyc2VjdXJpdHkgUmlzayBNYW5hZ2VtZW50IGFuZCBTdHJhdGVneSBEaXNjbG9zdXJlAA__" id="xdx_903_ecyd--CybersecurityRiskProcessForInformingBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock_c20240101__20241231_zErDREpKmTL8">The Finance and Risk Management Committee reports to the Board regarding the Company’s risk profile, as well as its enterprise risk management framework, including the significant policies and practices employed to manage such risks, as well as the overall adequacy of the enterprise risk management function.</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"><span class="xdx_phnt_RGlzY2xvc3VyZSAtIEN5YmVyc2VjdXJpdHkgUmlzayBNYW5hZ2VtZW50IGFuZCBTdHJhdGVneSBEaXNjbG9zdXJlAA__" id="xdx_90D_ecyd--CybersecurityRiskProcessForInformingManagementOrCommitteesResponsibleTextBlock_c20240101__20241231_zDX1t3IPrj0c">Material risks and results from any industry standard risk assessments parties, including any recommendations to further mitigate, transfer or eliminate risks, if applicable, are reported annually to the TOC, as well as to the Board’s Finance and Risk Management Committee, who then reports the results to the Bank’s Board. Further, these results are included in the Board’s annual Information Security Program Report.</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">Technology and cybersecurity risk metrics are two of the Bank’s primary categorical risks defined in the Bank’s enterprise risk management framework. The Enterprise Risk Management Dashboard, which includes ongoing monitoring of current and emerging technology and cybersecurity risks, is presented to the Finance and Risk Management Committee and to the Bank’s Board on a tri-annual basis. In addition, reports on the monitoring of third-party relationships, particularly critical relationships, are presented to the Finance and Risk Management Committee and to the Bank’s Board.</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 class="xdx_phnt_RGlzY2xvc3VyZSAtIEN5YmVyc2VjdXJpdHkgUmlzayBNYW5hZ2VtZW50IGFuZCBTdHJhdGVneSBEaXNjbG9zdXJlAA__" id="xdx_90F_ecyd--CybersecurityRiskRoleOfManagementTextBlock_c20240101__20241231_zKfMGSKpRBTb">The Bank’s Board, through the Finance and Risk Management Committee, has oversight of cybersecurity incident disclosures, if applicable. The Finance and Risk Management Committee shall annually review with Management the Company’s Business Continuity Plan (the “BCP”), the BCP Policy, BCP testing results and the Company’s Pandemic Plan and Cyber Incident Response Plan and programs, including materiality determination criteria and escalation protocols with respect to the prompt reporting of material cyber incidents to the Finance and Risk Management Committee and the Bank’s Board.</span> <span class="xdx_phnt_RGlzY2xvc3VyZSAtIEN5YmVyc2VjdXJpdHkgUmlzayBNYW5hZ2VtZW50IGFuZCBTdHJhdGVneSBEaXNjbG9zdXJlAA__" id="xdx_905_ecyd--CybersecurityRiskManagementPositionsOrCommitteesResponsibleReportToBoardFlag_dbT_c20240101__20241231_zfxoX9uNwPI6">The Finance and Risk Management Committee shall further review with Management and report to the Bank’s Board any cyber incident disclosure reports to or from regulators with respect thereto, and the root cause and remediation and enhancement efforts with respect thereto.</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"><span class="xdx_phnt_RGlzY2xvc3VyZSAtIEN5YmVyc2VjdXJpdHkgUmlzayBNYW5hZ2VtZW50IGFuZCBTdHJhdGVneSBEaXNjbG9zdXJlAA__" id="xdx_90B_ecyd--CybersecurityRiskManagementExpertiseOfManagementResponsibleTextBlock_c20240101__20241231_zn47RXhwcvnb">The Bank’s information technology team maintains and develops their knowledge through various business, technical and cybersecurity-related programs, certificates and degrees, including a senior member of the team who holds a Master of Business Administration and another team member holding a Master’s Degree in Cybersecurity Management. Collectively, the senior members of the information technology team have approximately 75 years of experience in technology and cybersecurity, and the information technology team collectively holds and maintains continuing education in various technology and cybersecurity certification areas. The Bank’s ISO holds the designation of Certified Cyber Crimes Investigator from the IAFCI and also maintains continuing education related to cybersecurity.</span></span></p> The Finance and Risk Management Committee is a standing committee of the Board formed in January 2014 to assist the Board and the Executive Committee of the Board in fulfilling their responsibility with respect to the oversight of the Company’s (1) enterprise risk management and financial framework, including all risks associated therewith, including risks related to cyber incidents and (2) policies and practices relating to financial matters, including but not limited to, capital, liquidity and financing, as well as to merger, acquisition and divestiture activity. The Finance and Risk Management Committee reports to the Board regarding the Company’s risk profile, as well as its enterprise risk management framework, including the significant policies and practices employed to manage such risks, as well as the overall adequacy of the enterprise risk management function. Material risks and results from any industry standard risk assessments parties, including any recommendations to further mitigate, transfer or eliminate risks, if applicable, are reported annually to the TOC, as well as to the Board’s Finance and Risk Management Committee, who then reports the results to the Bank’s Board. Further, these results are included in the Board’s annual Information Security Program Report. The Bank’s Board, through the Finance and Risk Management Committee, has oversight of cybersecurity incident disclosures, if applicable. The Finance and Risk Management Committee shall annually review with Management the Company’s Business Continuity Plan (the “BCP”), the BCP Policy, BCP testing results and the Company’s Pandemic Plan and Cyber Incident Response Plan and programs, including materiality determination criteria and escalation protocols with respect to the prompt reporting of material cyber incidents to the Finance and Risk Management Committee and the Bank’s Board. true The Bank’s information technology team maintains and develops their knowledge through various business, technical and cybersecurity-related programs, certificates and degrees, including a senior member of the team who holds a Master of Business Administration and another team member holding a Master’s Degree in Cybersecurity Management. Collectively, the senior members of the information technology team have approximately 75 years of experience in technology and cybersecurity, and the information technology team collectively holds and maintains continuing education in various technology and cybersecurity certification areas. The Bank’s ISO holds the designation of Certified Cyber Crimes Investigator from the IAFCI and also maintains continuing education related to cybersecurity. false false false false Wolf & Company, P.C. Boston, Massachusetts 392 18824000 20784000 9264000 2991000 38362000 5065000 66450000 28840000 160704000 137115000 165606000 187692000 205036000 223370000 397000 196000 366137000 360681000 5818000 3707000 2070189000 2027317000 19529000 20267000 2050660000 2007050000 24421000 25575000 8468000 8528000 77056000 75145000 13997000 13636000 12487000 12487000 1438000 1813000 26158000 27109000 2653090000 2564571000 565620000 579594000 1697027000 1564150000 2262647000 2143744000 5390000 16100000 98000000 120646000 19751000 19712000 123141000 156458000 8622000 22770000 26960000 2417180000 2327162000 0.01 0.01 5000000 5000000 0 0 0.01 0.01 75000000 75000000 20875713 20875713 21666807 21666807 209000 217000 119326000 125448000 1906000 2394000 1190000 1111000 142745000 136993000 -23274000 -21744000 235910000 237409000 2653090000 2564571000 85426000 77964000 66609000 13147000 12865000 10397000 325000 340000 258000 98898000 91169000 77264000 8633000 8241000 8095000 3000 7000 11000 13000 122000 190000 8649000 8370000 8296000 687000 558000 177000 1598000 1021000 191000 2285000 1579000 368000 109832000 101118000 85928000 42236000 26649000 5352000 600000 1589000 330000 6164000 3957000 1015000 1014000 1014000 50015000 33209000 6696000 59817000 67909000 79232000 -665000 872000 700000 60482000 67037000 78532000 9202000 8856000 9072000 1911000 1820000 1725000 778000 -6000 -3000 -4000 235000 2000 13000 -1000 -717000 1287000 590000 422000 -1143000 2807000 261000 25000 12903000 10897000 13332000 32686000 32214000 32697000 5054000 4908000 4984000 1955000 1954000 2026000 3477000 3157000 2885000 2519000 2311000 2074000 2437000 2139000 1948000 2161000 2732000 2601000 1460000 1321000 1048000 1269000 1495000 1408000 5410000 6119000 5564000 58428000 58350000 57235000 14957000 19584000 34629000 3291000 4516000 8742000 11666000 15068000 25887000 0.56 0.70 1.18 20899573 21535888 21879657 0.56 0.70 1.18 21016358 21610329 21938323 0.28 0.28 0.24 11666000 15068000 25887000 -2070000 2993000 -27478000 -4000 -2070000 2993000 -27474000 -540000 775000 -7037000 -1530000 2218000 -20437000 358000 13000000 1143000 -2807000 -531000 -1501000 -10724000 -421000 -3015000 -1080000 -7709000 -1530000 3298000 -12728000 10136000 18366000 13159000 -1000 321000 789000 149000 22656515 227000 132821000 -3441000 -981000 107376000 -12314000 223688000 25887000 25887000 -12728000 -12728000 78526 148000 535000 683000 24440 213000 -213000 754758 8000 6343000 6351000 -2000 1076000 1074000 177881 2000 1169000 1171000 137151 1000 1248000 -1249000 7289 71000 -71000 0.24 5281000 5281000 22216789 222000 128899000 -2906000 -1012000 127982000 -25042000 228143000 9000 9000 15068000 15068000 3298000 3298000 74993 50000 512000 562000 4219 40000 -40000 22503 207000 -207000 686436 6000 5016000 5022000 1417000 1417000 136454 1000 1348000 -1349000 0.28 6066000 6066000 21666807 217000 125448000 -2394000 -1111000 136993000 -21744000 237409000 11666000 11666000 -1530000 -1530000 -1530000 71240 84000 488000 572000 572000 2384 20000 -20000 4219 35000 -35000 973924 10000 7752000 7762000 1469000 1469000 182830 2000 1531000 -1533000 0.28 5914000 5914000 5914000 20875713 209000 119326000 -1906000 -1190000 142745000 -23274000 235910000 13000 4000 11666000 15068000 25887000 -665000 872000 700000 2230000 2219000 2312000 -39000 95000 -135000 375000 375000 375000 1187000 1267000 1553000 490000 497000 681000 39000 39000 40000 1469000 1417000 1074000 572000 562000 683000 235000 277000 277000 13000 -1000 -717000 -4000 -6000 -3000 778000 178000 191000 1088000 1911000 1820000 1725000 -60000 388000 365000 -133000 968000 4218000 -3372000 -3879000 8099000 12170000 14773000 36770000 1100000 7701000 28030000 19022000 14090000 19650000 32945000 196000 5000000 14804000 12047000 23664000 6237000 5131000 63475000 37023000 127823000 2111000 355000 758000 20333000 1196000 2902000 1143000 74000 18000 2079000 2435000 -46594000 -13706000 -111874000 118903000 -85699000 -27427000 -10710000 -25250000 41350000 120646000 532000 1472000 98000000 120000000 5914000 6066000 5281000 7599000 5022000 6351000 1171000 72034000 -2569000 1990000 37610000 -1502000 -73114000 28840000 30342000 103456000 66450000 28840000 30342000 8459000 163000 <p id="xdx_807_eus-gaap--BusinessDescriptionAndAccountingPoliciesTextBlock_z5tQrZbkxCsl" style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><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: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>1.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_820_zfCYdc40ZaFe">SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</span></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 id="xdx_844_eus-gaap--NatureOfOperations_znrPTziXSqjc" style="font: 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_zSlCS0nDqze6">Nature of Operations and Basis of Presentation</span></b>. Western New England Bancorp, Inc. (“Western New England Bancorp,” “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_c20241231_z75pdI783Auf" 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_85A_zOgahuIwq3Ef" style="font: 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--BusinessCombinationsPolicy_zC2JMSFag8ah" style="font: 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_86E_z0ymp66Wa1b1">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_85A_zYfd6kuyd4N4" style="font: 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_84D_eus-gaap--ConsolidationPolicyTextBlock_zRmEjlNsp2Ic" style="font: 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_z7iKSvuN7Blk">Principles of Consolidation</span></b>. The consolidated financial statements include the accounts of Western New England Bancorp, 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_85A_zsUcla9xAmn3" style="font: 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_840_eus-gaap--UseOfEstimates_zKRuo2E3fxej" style="font: 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_86E_zr83XPpDxORa">Estimates</span></b>. The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“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_85A_znvIdz2g48Pl" style="font: 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_841_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zNjcuocsOG73" style="font: 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_zkK5m3jZKRy3">Reclassifications</span>. </b>Amounts in the prior year financial statements are reclassified when necessary to conform to the current year presentation.</span></p> <p id="xdx_85A_zrLGXYAKmfE4" style="font: 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_841_eus-gaap--ConcentrationRiskCreditRisk_zoXatjTPqCEe" style="font: 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_zm2TXXL1ZTyi">Significant Group Concentrations of Credit Risk</span></b>. Most of the Company’s lending activities are with customers located within the New England region of the country. The Company does not have any significant concentrations to any one industry or customer.</span></p> <p id="xdx_85A_zcPP5Fmo57h3" style="font: 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_844_eus-gaap--CashAndCashEquivalentsPolicyTextBlock_z60DHyGtk7Oc" style="font: 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_869_zvrMfppxIdGc">Cash and Cash Equivalents</span></b>. We define cash on hand, cash due from banks, federal funds sold and interest-bearing deposits having an original maturity of 90 days or less as cash and cash equivalents.</span></p> <p id="xdx_85A_z1zvgAwvutoa" style="font: 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_843_ecustom--MortgageBackedSecuritiesPolicyTextBlock_zHQEwaauH1lg" style="font: 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_zAv114VqTtV1">Securities and Mortgage-Backed Securities</span></b>. Investment debt securities, including mortgage-backed securities, which management has the positive intent and ability to hold until maturity are classified as held to maturity and are carried at amortized cost. Investment debt securities, including mortgage-backed securities, which have been identified as assets for which there is not a positive intent to hold to maturity are classified as available-for-sale and are carried at fair value with unrealized gains and losses, net of income taxes, reported as a separate component of comprehensive income (loss). Marketable equity securities are measured at fair value with changes in fair value reported on the Company’s consolidated statements of net income as a component of non-interest income, regardless of whether such gains and losses are realized. We do not acquire investment securities and mortgage-backed securities for purposes of engaging in trading activities.</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">Realized gains and losses on sales of investment securities and mortgage-backed securities are computed using the specific identification method and are included in non-interest income on the trade date. The amortization of premiums and accretion of discounts are determined by using the level yield method to the maturity date, except that premiums are amortized to the earliest call date or maturity.</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: 10pt Times New Roman, Times, Serif"></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 – Securities Available-for-Sale</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 measures expected credit losses on debt securities available-for-sale based upon the gain or loss position of the security. For debt securities available-for-sale 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. Securities available-for-sale 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. 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. 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.</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 – Securities Held-to-Maturity</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 measures expected credit losses on debt securities held-to-maturity 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 securities held-to-maturity would be presented as an allowance for credit 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 id="xdx_841_ecustom--NonMarketableSecuritiesPolicyTextBlock_zVeKv77jQE54" style="font: 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_zmbM50M3gAhe">Non-marketable Equity Securities</span>. </b>Investments in equity securities without readily determinable fair values are measured at cost, less any impairment, with re-measurement to fair value when there are observable price changes. Impairment is evaluated on such securities based on a qualitative assessment that considers various potential impairment indicators. Upon determining that an impairment exists, a loss is recognized for the amount by which the carrying value exceeds the fair value of the investment.</span></p> <p id="xdx_859_znSxBTmAks56" 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 id="xdx_84F_eus-gaap--DerivativesPolicyTextBlock_zSudzLtQNBh7" style="font: 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_86A_zW1dfwDpn0V3">Derivatives</span>. </b>We enter into interest rate swap agreements as part of our interest-rate risk management strategy for certain assets and liabilities and not for speculative purposes. Based on our intended use for interest rate swaps, these are hedging instruments subject to hedge accounting provisions. Cash flow hedges are recorded at fair value in other assets or other liabilities within our balance sheets. Changes in the fair value of these cash flow hedges are initially recorded in accumulated other comprehensive income (loss) and subsequently reclassified into earnings when the forecasted transaction affects earnings.</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’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.</span></p> <p id="xdx_85A_zsY4i9PRYH46" style="font: 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_844_eus-gaap--FairValueMeasurementPolicyPolicyTextBlock_zWXFHGhmtAL5" style="font: 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_862_zkcQfjVizFq6">Fair Value Hierarchy</span></b>. We group our assets and liabilities measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine 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; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Level 1: </b>Valuation is based on quoted prices in active markets for identical assets. Level 1 assets generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets.</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>Level 2: </b>Valuation is based on observable inputs other than Level 1 prices, such as quoted prices for similar assets and liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets and liabilities.</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>Level 3: </b>Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets and liabilities. Level 3 assets include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.</span></p> <p id="xdx_85A_zfa4CNrxBT6k" style="font: 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_84A_ecustom--FederalHomeLoanBankStockPolicyTextBlock_zvGnWJrCBCOj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_864_zBKhj3TWU6wj">Federal Home Loan Bank of Boston Stock</span></b>. The Bank, as a member of the FHLB system, is required to maintain an investment in capital stock of the FHLB of Boston. Based on the redemption provisions of the FHLB, the stock has no quoted market value and is carried at cost. At its discretion, the FHLB may declare dividends on the stock. Management reviews for impairment based on the ultimate recoverability of the cost basis in the FHLB stock. As of December 31, 2024, no impairment has been recognized.</span></p> <p id="xdx_85A_zrLV1P32xXdj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_844_eus-gaap--FinanceLoanAndLeaseReceivablesHeldForSalePolicy_zrrSJSg14PCc" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_861_zAy7GORNVCtk">Loans Held for Sale</span></b>. Loans originated and intended for sale in the secondary market are carried at the lower of amortized cost or fair value, as determined by aggregate outstanding commitments from investors or current investor yield requirements. Net unrealized losses, if any, are recognized through a valuation allowance by charges to non-interest income. Gains or losses on sales of mortgage loans are recognized based on the difference between the selling price and the carrying value of the related mortgage loans sold on the trade date and reported within non-interest income on the accompanying consolidated statements of net income.</span></p> <p id="xdx_85A_zOVWh59IrN04" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_84B_eus-gaap--FinanceLoansAndLeasesReceivablePolicy_z7pFSj73BzPa" style="font: 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_zJu6k7W878o">Loans Receivable</span></b>. Loans are recorded at the principal amount outstanding, adjusted for charge-offs, the allowance for credit losses, unearned premiums, discounts 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 collectible. 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 the loan is considered impaired. Any unpaid amounts previously accrued on these loans are reversed from current period interest 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 when subsequent performance reduces the concern as to the collectability of principal and interest. Loan fees, discounts and premiums on purchased loans, 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 id="xdx_85D_z4MMlBc15sJ7" 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 id="xdx_842_eus-gaap--LoansAndLeasesReceivableAllowanceForLoanLossesPolicy_zaKRdwIG0iKk" style="font: 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_865_zVfAXeqMSz4f">Allowance for Credit Losses</span></b>. 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.</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 loan 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. For commercial real estate loans, residential real estate loans, and commercial and industrial loans, 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. The expected loss estimates for the consumer loan segment are based on historical loss rates using the weighted average remaining maturity (“WARM”) method.</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 owner occupied and non-owner occupied commercial real estate, multi-family dwellings, and income producing investment properties, as well as commercial construction loans for commercial development projects throughout New England. Typically, commercial real estate loans are secured by office buildings, apartment buildings, industrial properties, warehouses, retail facilities, hotels, assisted living facilities, and educational facilities. Collateral values are established by independent third-party appraisals and evaluations. Primary repayment sources for commercial real estate loans include operating income and cash flow generated by the real estate, sale of the real estate and, funds from any liquidation of the collateral. Under its lending guidelines, the Company generally requires a corporate or personal guarantee from individuals that hold material ownership in the borrowing entity. 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 secured by one-to-four family residential properties and home equity loans and home equity lines secured by first or second mortgage on one-to-four family owner occupied properties. First mortgages may be underwritten to a maximum loan-to-value of <span id="xdx_900_ecustom--FirstMortgagesMaximumLoanToValuePercentageOwnerOccupiedHomes_dp_c20240101__20241231_zYjxLaVyHMx">97</span>% for owner occupied homes, <span id="xdx_904_ecustom--FirstMortgagesMaximumLoanToValuePercentageSecondHomes_dp_c20240101__20241231_zRLUtmQzwHWh">90</span>% for second homes and <span id="xdx_902_ecustom--FirstMortgagesMaximumLoanToValuePercentageInvestmentProperties_dp_c20240101__20241231_zP1pF3ptOCT3">85</span>% for investment properties. Mortgages with loan-to-values greater than <span id="xdx_902_ecustom--LoanToValueRatioRequiringPrivateMortgageInsurance_dp_c20240101__20241231_zM545meWIFu4" 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 underwritten to a maximum combined loan-to-value of <span id="xdx_902_ecustom--ResidentialEquityLoansAndLinesMaximumPercentageOfAppraisedValueUnderwritten_dp_c20240101__20241231_zOKa09HLdNzg">85</span>% of the appraised value of the property. Underwriting approval is dependent on review of the borrower’s ability to repay principal and interest on a monthly basis, credit history, financial resources and the value of the collateral. Residential real estate loans are originated either for sale to investors or retained in the Company’s loan portfolio. Decisions about whether to sell or retain residential real estate loans are made based on the interest rate, pricing for loans in the secondary market, and the Company’s liquidity and capital needs. 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"><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 and industrial loans</b>. The primary risk associated with commercial and industrial loans is the ability of borrowers to achieve business results and cash flows consistent with those projected at loan origination. Collateral frequently consists of a first lien position on business assets including, but not limited to, accounts receivable, inventory, and equipment. The primary repayment source is operating cash flow, followed by liquidation of assets. Under its lending guidelines, the Company generally requires a corporate or personal guarantee from individuals that hold material ownership in the borrowing entity. 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"> </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>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"> </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 Methodology</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.</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 discounted cash flow (“DCF”) model calculates an expected loss percentage for each loan class by considering the probability of default, using life-of-loan analysis periods for the commercial and industrial, commercial real estate, residential real estate loan segments, and the historical severity of loss, based on the aggregate net lifetime losses incurred per loan class. The expected loss estimates for the consumer loan segment are based on historical loss rates using the remaining life method. 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 nonperforming 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">The company uses a WARM method to estimate the ACL for the consumer loan segment. Under this method, the historical average annual charge-off rate is applied to the weighted average remaining maturity of the loan portfolio, currently calculated at 2.5 years. This calculation is adjusted based on additional factors that include (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 nonperforming loans; (6) the quality of our loan review system and (7) the value of underlying collateral for collateralized 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"><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"></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 outstanding off-balance-sheet credit exposures that are unconditionally cancellable by the Company. 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 id="xdx_85A_zyK5cKqUMs79" style="font: 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_84F_ecustom--BankOwnedLifeInsurancePolicyTextBlock_zQ76eVs8Urih" style="font: 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_86E_zbvgiGWOGgh9">Bank-owned Life Insurance</span>. </b>Bank-owned life insurance policies are reflected on the consolidated balance sheets at cash surrender value. Changes in the net cash surrender value of the policies, as well as insurance proceeds received in excess of carrying value, are reflected in non-interest income on the consolidated statements of net income and are not subject to income taxes.</span></p> <p id="xdx_85A_zhAL3XP2BJPh" style="font: 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_847_eus-gaap--TransfersAndServicingOfFinancialAssetsPolicyTextBlock_zwJfrMMvYd4j" style="font: 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_864_zguGW0PAIlQ">Transfers and Servicing of Financial Assets</span></b>. Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from us, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) we do not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.</span></p> <p id="xdx_85A_z7UmclpQu6he" style="font: 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--PropertyPlantAndEquipmentPolicyTextBlock_zccqFGZSK275" style="font: 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_86F_z94ArSdQJtB4">Premises and Equipment</span></b>. Land is carried at cost. Buildings, furniture and equipment are stated at cost, less accumulated depreciation and amortization, computed on the straight-line method over the estimated useful lives of the assets, or the expected lease term, if shorter. Expected terms include lease option periods to the extent that the exercise of such options is reasonably assured. The estimated useful lives of the assets are as follows:</span></p> <p id="xdx_890_ecustom--ScheduleOfEstimatedUsefulLivesOfAssetsTableTextBlock_zobHND8vbeE6" style="font: 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="display: none; visibility: hidden">The estimated useful lives of the assets 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; width: 30%; border-collapse: collapse; margin-right: auto"> <tr style="vertical-align: top"> <td style="width: 62%; padding-right: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; width: 38%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Years</b></span></td></tr> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Buildings</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_906_eus-gaap--PropertyPlantAndEquipmentUsefulLife_iI_dtY_c20241231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingMember_z9JvcUqVjv63" title="Buildings">39</span></span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Leasehold Improvements</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_908_eus-gaap--PropertyPlantAndEquipmentUsefulLife_iI_dtY_c20241231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember__srt--RangeAxis__srt--MinimumMember_zywpaOTebzt9" title="Leasehold improvements">5</span>-<span id="xdx_901_eus-gaap--PropertyPlantAndEquipmentUsefulLife_iI_dtY_c20241231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember__srt--RangeAxis__srt--MaximumMember_zzlXYW0xxS77">20</span></span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Furniture and Equipment</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_909_eus-gaap--PropertyPlantAndEquipmentUsefulLife_iI_dtY_c20241231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--EquipmentAndFurnitureMember__srt--RangeAxis__srt--MinimumMember_zHlKS5ZmBckg">3</span>-<span id="xdx_90D_eus-gaap--PropertyPlantAndEquipmentUsefulLife_iI_dtY_c20241231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--EquipmentAndFurnitureMember__srt--RangeAxis__srt--MaximumMember_z6mfB86sEb7f" title="Estimated useful lives">7</span></span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_8A2_zBSWbqSrKsf8" style="font: 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 cost of maintenance and repairs is charged to expense when incurred. Major expenditures for betterments are capitalized and depreciated.</span></p> <p id="xdx_85A_zzO1vD8Ib4U6" style="font: 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--RealEstatePolicyTextBlock_z7Sb7YaBhiF3" style="font: 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_z5DliIe6AIp2">Other Real Estate Owned</span></b>. Other real estate owned (“OREO”) represents property acquired through foreclosure or deeded to us in lieu of foreclosure. OREO is initially recorded at the estimated fair value of the real estate acquired, net of estimated selling costs, establishing a new cost basis. Initial write-downs are charged to the allowance for credit losses at the time the loan is transferred to OREO. Subsequent valuations are periodically performed by management and the carrying value is adjusted by a charge to expense to reflect any subsequent declines in the estimated fair value. Operating costs associated with OREO are expensed as incurred.</span></p> <p id="xdx_85A_zDd6o4CGFdOj" style="font: 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--TransfersAndServicingOfFinancialAssetsServicingOfFinancialAssetsPolicy_zwNbtPQAZ86k" style="font: 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_znhDTcJZxcd5">Servicing</span></b>. The Company services mortgage loans for others. Mortgage servicing assets are recognized as separate assets at fair value when rights are acquired through purchase or retained through the sale of financial assets. Fair value is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. Capitalized servicing rights are reported in other assets and are amortized into service charges and fee income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to the amortized cost. Impairment is determined by stratifying rights by predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual stratum, to the extent that the fair value is less than the capitalized amount for the stratum. Changes in the valuation allowance are reported in service charges and fee income.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"> </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">Servicing fee income is recorded for fees earned for servicing loans, which is included in service charges and fee income. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned.</span></p> <p id="xdx_85A_zU84hZMnzhCb" style="font: 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_84C_eus-gaap--ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock_ziTdsMWOJtRa" style="font: 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_ztUXBLilrIB">Impairment of Long-lived Assets</span></b>. Long-lived assets, including premises and equipment and certain identifiable intangible assets that are held and used by the Company, are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. If the asset is determined to be impaired, it is written down to its estimated fair value through a charge to earnings.</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">Goodwill is measured as the excess of the cost of a business combination over the sum of the amounts assigned to identifiable intangible assets acquired less liabilities assumed. Goodwill is not amortized but rather assessed for impairment annually or more frequently if circumstances warrant.</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">Management has the option of first assessing qualitative factors, such as events and circumstances, to determine whether it is more likely than not, meaning a likelihood of more than 50%, the value of a reporting unit is less than its carrying amount. If, after considering all relevant events and circumstances, management determines it is not more likely than not the fair value of a reporting unit is less than its carrying amount, then performing an impairment test is unnecessary.</span></p> <p id="xdx_85A_zr7xT5lDbVUc" style="font: 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_84A_eus-gaap--PensionAndOtherPostretirementPlansPolicy_zo5ibZSO70Rb" style="font: 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_86A_z8yv7Z8kWQLh">Retirement Plans and Employee Benefits</span>. </b>The Company maintains a tax-qualified defined contribution plan through a third party provider (the “401(k) Plan”) that provides for deferral of federal and state income taxes on employee contributions allowed under Section 401(k) of the Internal Revenue Code of 1986, as amended (the “Internal Revenue Code”). Participants may make pre-tax salary deferrals to the plan not to exceed the annual IRS limits. Effective January 1, 2023, the Company converted to a Safe Harbor 401(k) Plan. In addition to salary deferrals, the Company will match up to <span id="xdx_90B_eus-gaap--DefinedContributionPlanEmployerMatchingContributionPercentOfMatch_pid_dp_uPure_c20240101__20241231__us-gaap--RetirementPlanTypeAxis__custom--DefinedContributionPension1Member_zo62Q6pOGmRc" title="Employer matching contribution for the first 4% of each participant's annual earnings">100</span>% of the first <span id="xdx_907_eus-gaap--DefinedContributionPlanEmployerMatchingContributionPercent_pid_dp_uPure_c20240101__20241231__us-gaap--RetirementPlanTypeAxis__custom--DefinedContributionPension1Member_z4bEDU8NLj97" title="Maximum percentage of participant's annual earnings subject to match by employer for 401(K) plan">4</span>% of the participant’s eligible compensation (for a total maximum employer matching contribution of <span id="xdx_902_eus-gaap--DefinedContributionPlanEmployerMatchingContributionPercent_pid_dp_uPure_c20240101__20241231__us-gaap--RetirementPlanTypeAxis__custom--DefinedContributionPension1Member_zWBrUGoO1L3j" title="Maximum percentage of participant's annual earnings subject to match by employer for 401(K) plan">4</span>% of a participant’s eligible compensation). In addition, on an annual basis, the Company may make a discretionary profit share contribution to each participant.</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_848_eus-gaap--CompensationRelatedCostsPolicyTextBlock_zB2aZ1RS1R7h" style="font: 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_zc3yATxrnDfk">Share-based Compensation Plans</span></b>. We measure and recognize compensation cost relating to share-based payment transactions based on the grant-date fair value of the equity instruments issued. Share-based compensation is recognized over the period the employee is required to provide services for the award. Reductions in compensation expense associated with forfeited options are estimated at the date of grant, and this estimated forfeiture rate is adjusted based on actual forfeiture experience. We use a binomial option-pricing model to determine the fair value of the stock options granted.</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_845_eus-gaap--EmployeeStockOwnershipPlanESOPPolicy_zaYKBkWVx5Pd" style="font: 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_zGQpcH6BWix">Employee Stock Ownership Plan</span></b>. Compensation expense for the Employee Stock Ownership Plan (“ESOP”) is recorded at an amount equal to the shares allocated by the ESOP multiplied by the average fair market value of the shares during the period. We recognize compensation expense ratably over the year based upon our estimate of the number of shares expected to be allocated by the ESOP. Unearned compensation applicable to the ESOP is reflected as a reduction of shareholders’ equity in the consolidated balance sheets. The difference between the average fair market value and the cost of the shares allocated by the ESOP is recorded as an adjustment to additional paid-in capital.</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_840_eus-gaap--LesseeLeasesPolicyTextBlock_zqPGTSbHkN9" style="font: 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_zbkkbgoTSl0h">Leases</span></b>. The Company determines if an arrangement is a lease at inception. Operating leases are included within <span id="xdx_903_eus-gaap--OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList_iI_dxL_c20241231_zYd94fhWgBPh" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherAssets"><span id="xdx_904_eus-gaap--OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList_iI_dxL_c20231231_zdGWxWRHEChf" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherAssets"><span style="-sec-ix-hidden: xdx2ixbrl1144"><span style="-sec-ix-hidden: xdx2ixbrl1145">other assets</span></span></span></span> and <span id="xdx_904_eus-gaap--OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_iI_dxL_c20241231_zMuCDqXM7Sz" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherLiabilities"><span id="xdx_900_eus-gaap--OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_iI_dxL_c20231231_zRtzvQMJ5XFi" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherLiabilities"><span style="-sec-ix-hidden: xdx2ixbrl1146"><span style="-sec-ix-hidden: xdx2ixbrl1147">other liabilities</span></span></span></span> in our consolidated balance sheets. Right-of-use (“ROU”) assets represent our right to use an underlying asset for the lease term and lease liabilities represent our obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As our leases do not provide an implicit rate, we use our incremental borrowing rate based on the information available at commencement date in determining the present value of lease payments. Our lease terms may include options to extend or terminate the lease when it is reasonably certain that we will exercise that option. Lease expense for lease payments is recognized on a straight-line basis over the lease term.</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_84C_eus-gaap--AdvertisingCostsPolicyTextBlock_z1zj5VeRntMf" style="font: 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_zgWtjtvth4ei">Advertising Costs</span></b>. Advertising costs are accounted for using the accrual basis of accounting.</span></p> <p id="xdx_852_zwFFcJuTmh02" style="font: 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: 10pt Times New Roman, Times, Serif"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"> </span></p> <p id="xdx_849_eus-gaap--IncomeTaxPolicyTextBlock_zOXyj5exQth9" style="font: 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_864_zvBuQapMLntg">Income Taxes</span></b>. We use the asset and liability method for income tax accounting, whereby, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates applied to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. A valuation allowance related to deferred tax assets is established when, in the judgment of management, it is more likely than not that all or a portion of such deferred tax assets will not be realized based on the available evidence including historical and projected taxable income. We do not have any uncertain tax positions at December 31, 2024 that require accrual or disclosure. We record interest and penalties as part of income tax expense.</span></p> <p id="xdx_85A_zSBEtQkrAss9" style="font: 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_842_eus-gaap--EarningsPerSharePolicyTextBlock_zdKavIYKqBkd" style="font: 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_zhb2KHwua8I7">Earnings per Share</span>. </b>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 ESOP shares are not deemed outstanding for earnings per share calculations. There were no anti-dilutive shares outstanding during the years ended December 31, 2024, 2023 and 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 id="xdx_895_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_z0oh8PIos7x3" style="font: 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_z0TtYHJhVZMj">Earnings per common share for the years ended December 31, 2024, 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; margin-left: auto; border-collapse: collapse; width: 95%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </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_495_20240101__20241231_zNhAEXtH74r4" 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_495_20230101__20231231_zzhKL5fMKZc6" 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_492_20220101__20221231_zfUPUm18I4tj" 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="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Years Ended December 31,</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">2024</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="10" style="text-align: center">(Dollars and shares in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="10" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_407_eus-gaap--NetIncomeLoss_pn3n3_uUSD_zoh3rc0emLxc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 67%; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -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: 8%; text-align: right">11,666</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">$</td><td style="border-bottom: Black 2.5pt double; width: 8%; text-align: right">15,068</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 8%; text-align: right">25,887</td><td style="width: 1%; 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></tr> <tr id="xdx_405_eus-gaap--WeightedAverageNumberOfSharesIssuedBasic_pn3n3_uShares_maEPS1_ziFah0egA66f" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Average number of common shares issued</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,345</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,037</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,451</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--WeightedAverageNumberOfSharesEmployeeStockOwnershipPlanSharesNotCommittedToBeReleased_iN_pn3n3_di_uShares_msEPS1_zIEki3sHggz3" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Less: Average unallocated ESOP Shares</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(264</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(338</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(415</td><td style="text-align: left">)</td></tr> <tr id="xdx_408_eus-gaap--WeightedAverageNumberOfSharesContingentlyIssuable_iN_pn3n3_di_uShares_msEPS1_zqrF4ZTk3Ol" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -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">(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 style="border-bottom: Black 1pt solid; text-align: right">(163</td><td style="padding-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">(156</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-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></tr> <tr id="xdx_40F_ecustom--AverageNumberOfCommonSharesOutstandingUsedToCalculateBasicEarningsPerCommonShare_iT_pn3n3_mtEPS1_maEPS2_zQqlSkwDnEwk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -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">20,900</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,536</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,880</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_pn3n3_uShares_maEPS2_z4vpH357sZu7" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Effect of dilutive performance-based equity incentive plan shares</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">74</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">41</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_pn3n3_uShares_maEPS2_zgroAxlk8Lmi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -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: xdx2ixbrl1181">—</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: xdx2ixbrl1182">—</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">17</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_401_ecustom--AverageNumberOfCommonSharesOutstandingUsedToCalculateDilutedEarningsPerCommonShare_iT_pn3n3_mtEPS2_zYtc0TjkIQ98" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -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">21,016</td><td style="padding-bottom: 2.5pt; 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">21,610</td><td style="padding-bottom: 2.5pt; 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">21,938</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; 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></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Net income per common share:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--EarningsPerShareBasic_pii_uUSDPShares_z9PmNjXIvxha" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.25in; text-indent: -0.125in">Basic earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.56</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.70</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.18</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--EarningsPerShareDiluted_pii_uUSDPShares_zT051XG5kwt1" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.25in; text-indent: -0.125in">Diluted earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.56</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.70</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.18</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A5_zXyEFrBrLwF8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p id="xdx_85A_zQudGxfIQLgk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p id="xdx_849_eus-gaap--ComprehensiveIncomePolicyPolicyTextBlock_zdVwgsezp8Ji" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86C_z9HNrMtK3xw3">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"> </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 id="xdx_892_eus-gaap--ScheduleOfComprehensiveIncomeLossTableTextBlock_zX95D4uAMGna" style="font: 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_z7KBpGFCENpi">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; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="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">December 31, 2024</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">December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td> </td> <td colspan="6" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 64%; text-align: left; padding-left: 0in">Net unrealized losses on securities available-for-sale</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--AccumulatedOtherComprehensiveIncomeLossBeforeTax1_iI_pn3n3_uUSD_c20241231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_ziYWM5G4yjQ8" style="width: 15%; text-align: right" title="Accumulated other comprehensive income (loss) before tax">(31,236</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--AccumulatedOtherComprehensiveIncomeLossBeforeTax1_iI_pn3n3_uUSD_c20231231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_ztNIlITjkqjk" style="width: 15%; text-align: right" title="Accumulated other comprehensive income (loss) before tax">(29,166</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; padding-left: 0in">Tax effect</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AociTaxAttributableToParent_iNI_pn3n3_di_uUSD_c20241231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zI49T9tsIXO5" style="border-bottom: Black 1pt solid; text-align: right" title="Tax effect">7,962</td><td style="padding-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--AociTaxAttributableToParent_iNI_pn3n3_di_uUSD_c20231231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zjwFvLYzwRVc" style="border-bottom: Black 1pt solid; text-align: right" title="Tax effect">7,422</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; text-indent: 2.8pt; padding-left: 0.125in">Net-of-tax amount</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_uUSD_c20241231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zmPoQmPUwngi" style="text-align: right" title="Accumulated other comprehensive income (loss), net of tax amount">(23,274</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_uUSD_c20231231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zb7TeyBRM0Lj" style="text-align: right" title="Accumulated other comprehensive income (loss), net of tax amount">(21,744</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in"> </td><td style="padding-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: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Accumulated other comprehensive loss</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_uUSD_c20241231_zXiHGn9ABct1" style="border-bottom: Black 2.5pt double; text-align: right" title="Accumulated other comprehensive loss">(23,274</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_uUSD_c20231231_zhFM2yR8HCL4" style="border-bottom: Black 2.5pt double; text-align: right" title="Accumulated other comprehensive loss">(21,744</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> <p id="xdx_8AD_zQD00e22eC6d" style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p id="xdx_85A_zIjLCSMAY5W8" style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p id="xdx_845_eus-gaap--NewAccountingPronouncementsPolicyPolicyTextBlock_z2kD2ZvAgHM8" style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_86D_zTmiuJC9BNTg" style="font: normal 10pt Times New Roman, Times, Serif">Recent Accounting Pronouncements</span><span style="font: normal 10pt Times New Roman, Times, Serif">.</span></p> <p style="font: italic bold 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 November 2023, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2023-07, <i>Segment Reporting – Improvements to Reportable Segment Disclosures</i> (Topic 280), which expands segment disclosure requirements for public entities to require disclosure of significant segment expenses and other segment items on an annual and interim basis. It also requires companies to provide in interim periods all disclosures about a reportable segment’s profit or loss and assets that are currently required annually. This ASU, as amended, became effective for the Company in the consolidated financial statements for the year ended December 31, 2024 (see Note 18 – Segment) and did not have a material impact on the Company’s consolidated financial statements. In addition, this ASU, as amended, will be effective for interim periods beginning in 2025 and is not expected to have a material impact on the Company’s consolidated financial statements.</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 December 2023, the FASB issued ASU 2023-09, <i>Income Taxes—Improvements to Income Tax Disclosures</i> (Topic 740), which requires entities to disclose specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold. On an annual basis, entities must disclose: (1) the amount of income taxes paid, net of refunds, disaggregated by federal, state, and foreign; and (2) the amount of income taxes paid, net of refunds, disaggregated by individual jurisdictions in which income taxes paid, net of refunds received, for amounts equal to or greater than 5% of total income taxes paid. Further, the amendments also require entities to disclose: (1) income or loss from continued operations before income tax expense (or benefit) disaggregated between domestic and foreign sources; and (2) income or loss from continued operations disaggregated by federal, state, and foreign sources. This ASU, as amended, is effective for the Company in fiscal years beginning after December 15, 2024 and is not expected to have a material impact on the Company’s consolidated financial statements.</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 November 2024, the FASB issued ASU 2024-03, <i>Income Statement – Reporting Comprehensive Income – Expense Disaggregation Disclosures – Disaggregation of Income Statement Expenses </i>(Subtopic 220-40). ASU 2024-03 requires disaggregated disclosure of income statement expenses for public business entities. ASU 2024-03 requires new financial statement disclosures in tabular form, disaggregating information about prescribed categories underlying any relevant income statement expense caption. The prescribed categories include, among other things, employee compensation, depreciation, and intangible asset amortization. Additionally, entities must disclose the total amount of selling expenses and, in annual reporting periods, an entity’s definition of selling expenses. This ASU is effective for the Company, on a prospective basis, for annual reporting periods beginning after December 15, 2026 and interim reporting periods within annual reporting periods beginning after December 15, 2027 and is not expected to have a material impact on the Company’s consolidated financial statements.</span></p> <p id="xdx_844_eus-gaap--NatureOfOperations_znrPTziXSqjc" style="font: 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_zSlCS0nDqze6">Nature of Operations and Basis of Presentation</span></b>. Western New England Bancorp, Inc. (“Western New England Bancorp,” “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_c20241231_z75pdI783Auf" 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_849_eus-gaap--BusinessCombinationsPolicy_zC2JMSFag8ah" style="font: 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_86E_z0ymp66Wa1b1">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_84D_eus-gaap--ConsolidationPolicyTextBlock_zRmEjlNsp2Ic" style="font: 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_z7iKSvuN7Blk">Principles of Consolidation</span></b>. The consolidated financial statements include the accounts of Western New England Bancorp, 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_840_eus-gaap--UseOfEstimates_zKRuo2E3fxej" style="font: 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_86E_zr83XPpDxORa">Estimates</span></b>. The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“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_841_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zNjcuocsOG73" style="font: 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_zkK5m3jZKRy3">Reclassifications</span>. </b>Amounts in the prior year financial statements are reclassified when necessary to conform to the current year presentation.</span></p> <p id="xdx_841_eus-gaap--ConcentrationRiskCreditRisk_zoXatjTPqCEe" style="font: 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_zm2TXXL1ZTyi">Significant Group Concentrations of Credit Risk</span></b>. Most of the Company’s lending activities are with customers located within the New England region of the country. The Company does not have any significant concentrations to any one industry or customer.</span></p> <p id="xdx_844_eus-gaap--CashAndCashEquivalentsPolicyTextBlock_z60DHyGtk7Oc" style="font: 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_869_zvrMfppxIdGc">Cash and Cash Equivalents</span></b>. We define cash on hand, cash due from banks, federal funds sold and interest-bearing deposits having an original maturity of 90 days or less as cash and cash equivalents.</span></p> <p id="xdx_843_ecustom--MortgageBackedSecuritiesPolicyTextBlock_zHQEwaauH1lg" style="font: 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_zAv114VqTtV1">Securities and Mortgage-Backed Securities</span></b>. Investment debt securities, including mortgage-backed securities, which management has the positive intent and ability to hold until maturity are classified as held to maturity and are carried at amortized cost. Investment debt securities, including mortgage-backed securities, which have been identified as assets for which there is not a positive intent to hold to maturity are classified as available-for-sale and are carried at fair value with unrealized gains and losses, net of income taxes, reported as a separate component of comprehensive income (loss). Marketable equity securities are measured at fair value with changes in fair value reported on the Company’s consolidated statements of net income as a component of non-interest income, regardless of whether such gains and losses are realized. We do not acquire investment securities and mortgage-backed securities for purposes of engaging in trading activities.</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">Realized gains and losses on sales of investment securities and mortgage-backed securities are computed using the specific identification method and are included in non-interest income on the trade date. The amortization of premiums and accretion of discounts are determined by using the level yield method to the maturity date, except that premiums are amortized to the earliest call date or maturity.</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: 10pt Times New Roman, Times, Serif"></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 – Securities Available-for-Sale</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 measures expected credit losses on debt securities available-for-sale based upon the gain or loss position of the security. For debt securities available-for-sale 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. Securities available-for-sale 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. 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. 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.</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 – Securities Held-to-Maturity</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 measures expected credit losses on debt securities held-to-maturity 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 securities held-to-maturity would be presented as an allowance for credit 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 id="xdx_841_ecustom--NonMarketableSecuritiesPolicyTextBlock_zVeKv77jQE54" style="font: 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_zmbM50M3gAhe">Non-marketable Equity Securities</span>. </b>Investments in equity securities without readily determinable fair values are measured at cost, less any impairment, with re-measurement to fair value when there are observable price changes. Impairment is evaluated on such securities based on a qualitative assessment that considers various potential impairment indicators. Upon determining that an impairment exists, a loss is recognized for the amount by which the carrying value exceeds the fair value of the investment.</span></p> <p id="xdx_84F_eus-gaap--DerivativesPolicyTextBlock_zSudzLtQNBh7" style="font: 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_86A_zW1dfwDpn0V3">Derivatives</span>. </b>We enter into interest rate swap agreements as part of our interest-rate risk management strategy for certain assets and liabilities and not for speculative purposes. Based on our intended use for interest rate swaps, these are hedging instruments subject to hedge accounting provisions. Cash flow hedges are recorded at fair value in other assets or other liabilities within our balance sheets. Changes in the fair value of these cash flow hedges are initially recorded in accumulated other comprehensive income (loss) and subsequently reclassified into earnings when the forecasted transaction affects earnings.</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’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.</span></p> <p id="xdx_844_eus-gaap--FairValueMeasurementPolicyPolicyTextBlock_zWXFHGhmtAL5" style="font: 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_862_zkcQfjVizFq6">Fair Value Hierarchy</span></b>. We group our assets and liabilities measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine 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; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Level 1: </b>Valuation is based on quoted prices in active markets for identical assets. Level 1 assets generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets.</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>Level 2: </b>Valuation is based on observable inputs other than Level 1 prices, such as quoted prices for similar assets and liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets and liabilities.</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>Level 3: </b>Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets and liabilities. Level 3 assets include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.</span></p> <p id="xdx_84A_ecustom--FederalHomeLoanBankStockPolicyTextBlock_zvGnWJrCBCOj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_864_zBKhj3TWU6wj">Federal Home Loan Bank of Boston Stock</span></b>. The Bank, as a member of the FHLB system, is required to maintain an investment in capital stock of the FHLB of Boston. Based on the redemption provisions of the FHLB, the stock has no quoted market value and is carried at cost. At its discretion, the FHLB may declare dividends on the stock. Management reviews for impairment based on the ultimate recoverability of the cost basis in the FHLB stock. As of December 31, 2024, no impairment has been recognized.</span></p> <p id="xdx_844_eus-gaap--FinanceLoanAndLeaseReceivablesHeldForSalePolicy_zrrSJSg14PCc" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_861_zAy7GORNVCtk">Loans Held for Sale</span></b>. Loans originated and intended for sale in the secondary market are carried at the lower of amortized cost or fair value, as determined by aggregate outstanding commitments from investors or current investor yield requirements. Net unrealized losses, if any, are recognized through a valuation allowance by charges to non-interest income. Gains or losses on sales of mortgage loans are recognized based on the difference between the selling price and the carrying value of the related mortgage loans sold on the trade date and reported within non-interest income on the accompanying consolidated statements of net income.</span></p> <p id="xdx_84B_eus-gaap--FinanceLoansAndLeasesReceivablePolicy_z7pFSj73BzPa" style="font: 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_zJu6k7W878o">Loans Receivable</span></b>. Loans are recorded at the principal amount outstanding, adjusted for charge-offs, the allowance for credit losses, unearned premiums, discounts 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 collectible. 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 the loan is considered impaired. Any unpaid amounts previously accrued on these loans are reversed from current period interest 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 when subsequent performance reduces the concern as to the collectability of principal and interest. Loan fees, discounts and premiums on purchased loans, 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 id="xdx_842_eus-gaap--LoansAndLeasesReceivableAllowanceForLoanLossesPolicy_zaKRdwIG0iKk" style="font: 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_865_zVfAXeqMSz4f">Allowance for Credit Losses</span></b>. 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.</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 loan 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. For commercial real estate loans, residential real estate loans, and commercial and industrial loans, 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. The expected loss estimates for the consumer loan segment are based on historical loss rates using the weighted average remaining maturity (“WARM”) method.</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 owner occupied and non-owner occupied commercial real estate, multi-family dwellings, and income producing investment properties, as well as commercial construction loans for commercial development projects throughout New England. Typically, commercial real estate loans are secured by office buildings, apartment buildings, industrial properties, warehouses, retail facilities, hotels, assisted living facilities, and educational facilities. Collateral values are established by independent third-party appraisals and evaluations. Primary repayment sources for commercial real estate loans include operating income and cash flow generated by the real estate, sale of the real estate and, funds from any liquidation of the collateral. Under its lending guidelines, the Company generally requires a corporate or personal guarantee from individuals that hold material ownership in the borrowing entity. 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 secured by one-to-four family residential properties and home equity loans and home equity lines secured by first or second mortgage on one-to-four family owner occupied properties. First mortgages may be underwritten to a maximum loan-to-value of <span id="xdx_900_ecustom--FirstMortgagesMaximumLoanToValuePercentageOwnerOccupiedHomes_dp_c20240101__20241231_zYjxLaVyHMx">97</span>% for owner occupied homes, <span id="xdx_904_ecustom--FirstMortgagesMaximumLoanToValuePercentageSecondHomes_dp_c20240101__20241231_zRLUtmQzwHWh">90</span>% for second homes and <span id="xdx_902_ecustom--FirstMortgagesMaximumLoanToValuePercentageInvestmentProperties_dp_c20240101__20241231_zP1pF3ptOCT3">85</span>% for investment properties. Mortgages with loan-to-values greater than <span id="xdx_902_ecustom--LoanToValueRatioRequiringPrivateMortgageInsurance_dp_c20240101__20241231_zM545meWIFu4" 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 underwritten to a maximum combined loan-to-value of <span id="xdx_902_ecustom--ResidentialEquityLoansAndLinesMaximumPercentageOfAppraisedValueUnderwritten_dp_c20240101__20241231_zOKa09HLdNzg">85</span>% of the appraised value of the property. Underwriting approval is dependent on review of the borrower’s ability to repay principal and interest on a monthly basis, credit history, financial resources and the value of the collateral. Residential real estate loans are originated either for sale to investors or retained in the Company’s loan portfolio. Decisions about whether to sell or retain residential real estate loans are made based on the interest rate, pricing for loans in the secondary market, and the Company’s liquidity and capital needs. 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"><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 and industrial loans</b>. The primary risk associated with commercial and industrial loans is the ability of borrowers to achieve business results and cash flows consistent with those projected at loan origination. Collateral frequently consists of a first lien position on business assets including, but not limited to, accounts receivable, inventory, and equipment. The primary repayment source is operating cash flow, followed by liquidation of assets. Under its lending guidelines, the Company generally requires a corporate or personal guarantee from individuals that hold material ownership in the borrowing entity. 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"> </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>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"> </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 Methodology</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.</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 discounted cash flow (“DCF”) model calculates an expected loss percentage for each loan class by considering the probability of default, using life-of-loan analysis periods for the commercial and industrial, commercial real estate, residential real estate loan segments, and the historical severity of loss, based on the aggregate net lifetime losses incurred per loan class. The expected loss estimates for the consumer loan segment are based on historical loss rates using the remaining life method. 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 nonperforming 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">The company uses a WARM method to estimate the ACL for the consumer loan segment. Under this method, the historical average annual charge-off rate is applied to the weighted average remaining maturity of the loan portfolio, currently calculated at 2.5 years. This calculation is adjusted based on additional factors that include (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 nonperforming loans; (6) the quality of our loan review system and (7) the value of underlying collateral for collateralized 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"><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"></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 outstanding off-balance-sheet credit exposures that are unconditionally cancellable by the Company. 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> 0.97 0.90 0.85 0.80 0.85 <p id="xdx_84F_ecustom--BankOwnedLifeInsurancePolicyTextBlock_zQ76eVs8Urih" style="font: 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_86E_zbvgiGWOGgh9">Bank-owned Life Insurance</span>. </b>Bank-owned life insurance policies are reflected on the consolidated balance sheets at cash surrender value. Changes in the net cash surrender value of the policies, as well as insurance proceeds received in excess of carrying value, are reflected in non-interest income on the consolidated statements of net income and are not subject to income taxes.</span></p> <p id="xdx_847_eus-gaap--TransfersAndServicingOfFinancialAssetsPolicyTextBlock_zwJfrMMvYd4j" style="font: 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_864_zguGW0PAIlQ">Transfers and Servicing of Financial Assets</span></b>. Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from us, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) we do not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.</span></p> <p id="xdx_84B_eus-gaap--PropertyPlantAndEquipmentPolicyTextBlock_zccqFGZSK275" style="font: 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_86F_z94ArSdQJtB4">Premises and Equipment</span></b>. Land is carried at cost. Buildings, furniture and equipment are stated at cost, less accumulated depreciation and amortization, computed on the straight-line method over the estimated useful lives of the assets, or the expected lease term, if shorter. Expected terms include lease option periods to the extent that the exercise of such options is reasonably assured. The estimated useful lives of the assets are as follows:</span></p> <p id="xdx_890_ecustom--ScheduleOfEstimatedUsefulLivesOfAssetsTableTextBlock_zobHND8vbeE6" style="font: 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="display: none; visibility: hidden">The estimated useful lives of the assets 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; width: 30%; border-collapse: collapse; margin-right: auto"> <tr style="vertical-align: top"> <td style="width: 62%; padding-right: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; width: 38%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Years</b></span></td></tr> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Buildings</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_906_eus-gaap--PropertyPlantAndEquipmentUsefulLife_iI_dtY_c20241231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingMember_z9JvcUqVjv63" title="Buildings">39</span></span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Leasehold Improvements</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_908_eus-gaap--PropertyPlantAndEquipmentUsefulLife_iI_dtY_c20241231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember__srt--RangeAxis__srt--MinimumMember_zywpaOTebzt9" title="Leasehold improvements">5</span>-<span id="xdx_901_eus-gaap--PropertyPlantAndEquipmentUsefulLife_iI_dtY_c20241231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember__srt--RangeAxis__srt--MaximumMember_zzlXYW0xxS77">20</span></span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Furniture and Equipment</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_909_eus-gaap--PropertyPlantAndEquipmentUsefulLife_iI_dtY_c20241231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--EquipmentAndFurnitureMember__srt--RangeAxis__srt--MinimumMember_zHlKS5ZmBckg">3</span>-<span id="xdx_90D_eus-gaap--PropertyPlantAndEquipmentUsefulLife_iI_dtY_c20241231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--EquipmentAndFurnitureMember__srt--RangeAxis__srt--MaximumMember_z6mfB86sEb7f" title="Estimated useful lives">7</span></span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_8A2_zBSWbqSrKsf8" style="font: 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 cost of maintenance and repairs is charged to expense when incurred. Major expenditures for betterments are capitalized and depreciated.</span></p> <p id="xdx_890_ecustom--ScheduleOfEstimatedUsefulLivesOfAssetsTableTextBlock_zobHND8vbeE6" style="font: 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="display: none; visibility: hidden">The estimated useful lives of the assets 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; width: 30%; border-collapse: collapse; margin-right: auto"> <tr style="vertical-align: top"> <td style="width: 62%; padding-right: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; width: 38%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Years</b></span></td></tr> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Buildings</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_906_eus-gaap--PropertyPlantAndEquipmentUsefulLife_iI_dtY_c20241231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingMember_z9JvcUqVjv63" title="Buildings">39</span></span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Leasehold Improvements</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_908_eus-gaap--PropertyPlantAndEquipmentUsefulLife_iI_dtY_c20241231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember__srt--RangeAxis__srt--MinimumMember_zywpaOTebzt9" title="Leasehold improvements">5</span>-<span id="xdx_901_eus-gaap--PropertyPlantAndEquipmentUsefulLife_iI_dtY_c20241231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember__srt--RangeAxis__srt--MaximumMember_zzlXYW0xxS77">20</span></span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Furniture and Equipment</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_909_eus-gaap--PropertyPlantAndEquipmentUsefulLife_iI_dtY_c20241231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--EquipmentAndFurnitureMember__srt--RangeAxis__srt--MinimumMember_zHlKS5ZmBckg">3</span>-<span id="xdx_90D_eus-gaap--PropertyPlantAndEquipmentUsefulLife_iI_dtY_c20241231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--EquipmentAndFurnitureMember__srt--RangeAxis__srt--MaximumMember_z6mfB86sEb7f" title="Estimated useful lives">7</span></span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> P39Y P5Y P20Y P3Y P7Y <p id="xdx_849_eus-gaap--RealEstatePolicyTextBlock_z7Sb7YaBhiF3" style="font: 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_z5DliIe6AIp2">Other Real Estate Owned</span></b>. Other real estate owned (“OREO”) represents property acquired through foreclosure or deeded to us in lieu of foreclosure. OREO is initially recorded at the estimated fair value of the real estate acquired, net of estimated selling costs, establishing a new cost basis. Initial write-downs are charged to the allowance for credit losses at the time the loan is transferred to OREO. Subsequent valuations are periodically performed by management and the carrying value is adjusted by a charge to expense to reflect any subsequent declines in the estimated fair value. Operating costs associated with OREO are expensed as incurred.</span></p> <p id="xdx_849_eus-gaap--TransfersAndServicingOfFinancialAssetsServicingOfFinancialAssetsPolicy_zwNbtPQAZ86k" style="font: 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_znhDTcJZxcd5">Servicing</span></b>. The Company services mortgage loans for others. Mortgage servicing assets are recognized as separate assets at fair value when rights are acquired through purchase or retained through the sale of financial assets. Fair value is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. Capitalized servicing rights are reported in other assets and are amortized into service charges and fee income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to the amortized cost. Impairment is determined by stratifying rights by predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual stratum, to the extent that the fair value is less than the capitalized amount for the stratum. Changes in the valuation allowance are reported in service charges and fee income.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"> </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">Servicing fee income is recorded for fees earned for servicing loans, which is included in service charges and fee income. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned.</span></p> <p id="xdx_84C_eus-gaap--ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock_ziTdsMWOJtRa" style="font: 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_ztUXBLilrIB">Impairment of Long-lived Assets</span></b>. Long-lived assets, including premises and equipment and certain identifiable intangible assets that are held and used by the Company, are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. If the asset is determined to be impaired, it is written down to its estimated fair value through a charge to earnings.</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">Goodwill is measured as the excess of the cost of a business combination over the sum of the amounts assigned to identifiable intangible assets acquired less liabilities assumed. Goodwill is not amortized but rather assessed for impairment annually or more frequently if circumstances warrant.</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">Management has the option of first assessing qualitative factors, such as events and circumstances, to determine whether it is more likely than not, meaning a likelihood of more than 50%, the value of a reporting unit is less than its carrying amount. If, after considering all relevant events and circumstances, management determines it is not more likely than not the fair value of a reporting unit is less than its carrying amount, then performing an impairment test is unnecessary.</span></p> <p id="xdx_84A_eus-gaap--PensionAndOtherPostretirementPlansPolicy_zo5ibZSO70Rb" style="font: 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_86A_z8yv7Z8kWQLh">Retirement Plans and Employee Benefits</span>. </b>The Company maintains a tax-qualified defined contribution plan through a third party provider (the “401(k) Plan”) that provides for deferral of federal and state income taxes on employee contributions allowed under Section 401(k) of the Internal Revenue Code of 1986, as amended (the “Internal Revenue Code”). Participants may make pre-tax salary deferrals to the plan not to exceed the annual IRS limits. Effective January 1, 2023, the Company converted to a Safe Harbor 401(k) Plan. In addition to salary deferrals, the Company will match up to <span id="xdx_90B_eus-gaap--DefinedContributionPlanEmployerMatchingContributionPercentOfMatch_pid_dp_uPure_c20240101__20241231__us-gaap--RetirementPlanTypeAxis__custom--DefinedContributionPension1Member_zo62Q6pOGmRc" title="Employer matching contribution for the first 4% of each participant's annual earnings">100</span>% of the first <span id="xdx_907_eus-gaap--DefinedContributionPlanEmployerMatchingContributionPercent_pid_dp_uPure_c20240101__20241231__us-gaap--RetirementPlanTypeAxis__custom--DefinedContributionPension1Member_z4bEDU8NLj97" title="Maximum percentage of participant's annual earnings subject to match by employer for 401(K) plan">4</span>% of the participant’s eligible compensation (for a total maximum employer matching contribution of <span id="xdx_902_eus-gaap--DefinedContributionPlanEmployerMatchingContributionPercent_pid_dp_uPure_c20240101__20241231__us-gaap--RetirementPlanTypeAxis__custom--DefinedContributionPension1Member_zWBrUGoO1L3j" title="Maximum percentage of participant's annual earnings subject to match by employer for 401(K) plan">4</span>% of a participant’s eligible compensation). In addition, on an annual basis, the Company may make a discretionary profit share contribution to each participant.</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> 1 0.04 0.04 <p id="xdx_848_eus-gaap--CompensationRelatedCostsPolicyTextBlock_zB2aZ1RS1R7h" style="font: 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_zc3yATxrnDfk">Share-based Compensation Plans</span></b>. We measure and recognize compensation cost relating to share-based payment transactions based on the grant-date fair value of the equity instruments issued. Share-based compensation is recognized over the period the employee is required to provide services for the award. Reductions in compensation expense associated with forfeited options are estimated at the date of grant, and this estimated forfeiture rate is adjusted based on actual forfeiture experience. We use a binomial option-pricing model to determine the fair value of the stock options granted.</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_845_eus-gaap--EmployeeStockOwnershipPlanESOPPolicy_zaYKBkWVx5Pd" style="font: 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_zGQpcH6BWix">Employee Stock Ownership Plan</span></b>. Compensation expense for the Employee Stock Ownership Plan (“ESOP”) is recorded at an amount equal to the shares allocated by the ESOP multiplied by the average fair market value of the shares during the period. We recognize compensation expense ratably over the year based upon our estimate of the number of shares expected to be allocated by the ESOP. Unearned compensation applicable to the ESOP is reflected as a reduction of shareholders’ equity in the consolidated balance sheets. The difference between the average fair market value and the cost of the shares allocated by the ESOP is recorded as an adjustment to additional paid-in capital.</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_840_eus-gaap--LesseeLeasesPolicyTextBlock_zqPGTSbHkN9" style="font: 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_zbkkbgoTSl0h">Leases</span></b>. The Company determines if an arrangement is a lease at inception. Operating leases are included within <span id="xdx_903_eus-gaap--OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList_iI_dxL_c20241231_zYd94fhWgBPh" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherAssets"><span id="xdx_904_eus-gaap--OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList_iI_dxL_c20231231_zdGWxWRHEChf" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherAssets"><span style="-sec-ix-hidden: xdx2ixbrl1144"><span style="-sec-ix-hidden: xdx2ixbrl1145">other assets</span></span></span></span> and <span id="xdx_904_eus-gaap--OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_iI_dxL_c20241231_zMuCDqXM7Sz" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherLiabilities"><span id="xdx_900_eus-gaap--OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_iI_dxL_c20231231_zRtzvQMJ5XFi" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherLiabilities"><span style="-sec-ix-hidden: xdx2ixbrl1146"><span style="-sec-ix-hidden: xdx2ixbrl1147">other liabilities</span></span></span></span> in our consolidated balance sheets. Right-of-use (“ROU”) assets represent our right to use an underlying asset for the lease term and lease liabilities represent our obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As our leases do not provide an implicit rate, we use our incremental borrowing rate based on the information available at commencement date in determining the present value of lease payments. Our lease terms may include options to extend or terminate the lease when it is reasonably certain that we will exercise that option. Lease expense for lease payments is recognized on a straight-line basis over the lease term.</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_84C_eus-gaap--AdvertisingCostsPolicyTextBlock_z1zj5VeRntMf" style="font: 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_zgWtjtvth4ei">Advertising Costs</span></b>. Advertising costs are accounted for using the accrual basis of accounting.</span></p> <p id="xdx_849_eus-gaap--IncomeTaxPolicyTextBlock_zOXyj5exQth9" style="font: 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_864_zvBuQapMLntg">Income Taxes</span></b>. We use the asset and liability method for income tax accounting, whereby, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates applied to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. A valuation allowance related to deferred tax assets is established when, in the judgment of management, it is more likely than not that all or a portion of such deferred tax assets will not be realized based on the available evidence including historical and projected taxable income. We do not have any uncertain tax positions at December 31, 2024 that require accrual or disclosure. We record interest and penalties as part of income tax expense.</span></p> <p id="xdx_842_eus-gaap--EarningsPerSharePolicyTextBlock_zdKavIYKqBkd" style="font: 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_zhb2KHwua8I7">Earnings per Share</span>. </b>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 ESOP shares are not deemed outstanding for earnings per share calculations. There were no anti-dilutive shares outstanding during the years ended December 31, 2024, 2023 and 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 id="xdx_895_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_z0oh8PIos7x3" style="font: 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_z0TtYHJhVZMj">Earnings per common share for the years ended December 31, 2024, 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; margin-left: auto; border-collapse: collapse; width: 95%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </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_495_20240101__20241231_zNhAEXtH74r4" 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_495_20230101__20231231_zzhKL5fMKZc6" 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_492_20220101__20221231_zfUPUm18I4tj" 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="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Years Ended December 31,</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">2024</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="10" style="text-align: center">(Dollars and shares in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="10" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_407_eus-gaap--NetIncomeLoss_pn3n3_uUSD_zoh3rc0emLxc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 67%; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -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">$</td><td style="border-bottom: Black 2.5pt double; width: 8%; text-align: right">11,666</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 8%; text-align: right">15,068</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: 8%; text-align: right">25,887</td><td style="width: 1%; 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></tr> <tr id="xdx_405_eus-gaap--WeightedAverageNumberOfSharesIssuedBasic_pn3n3_uShares_maEPS1_ziFah0egA66f" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Average number of common shares issued</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,345</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,037</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,451</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--WeightedAverageNumberOfSharesEmployeeStockOwnershipPlanSharesNotCommittedToBeReleased_iN_pn3n3_di_uShares_msEPS1_zIEki3sHggz3" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Less: Average unallocated ESOP Shares</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(264</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(338</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(415</td><td style="text-align: left">)</td></tr> <tr id="xdx_408_eus-gaap--WeightedAverageNumberOfSharesContingentlyIssuable_iN_pn3n3_di_uShares_msEPS1_zqrF4ZTk3Ol" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -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">(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 style="border-bottom: Black 1pt solid; text-align: right">(163</td><td style="padding-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">(156</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-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></tr> <tr id="xdx_40F_ecustom--AverageNumberOfCommonSharesOutstandingUsedToCalculateBasicEarningsPerCommonShare_iT_pn3n3_mtEPS1_maEPS2_zQqlSkwDnEwk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -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">20,900</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,536</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,880</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_pn3n3_uShares_maEPS2_z4vpH357sZu7" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Effect of dilutive performance-based equity incentive plan shares</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">74</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">41</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_pn3n3_uShares_maEPS2_zgroAxlk8Lmi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -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: xdx2ixbrl1181">—</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: xdx2ixbrl1182">—</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">17</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_401_ecustom--AverageNumberOfCommonSharesOutstandingUsedToCalculateDilutedEarningsPerCommonShare_iT_pn3n3_mtEPS2_zYtc0TjkIQ98" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -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">21,016</td><td style="padding-bottom: 2.5pt; 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">21,610</td><td style="padding-bottom: 2.5pt; 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">21,938</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; 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></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Net income per common share:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--EarningsPerShareBasic_pii_uUSDPShares_z9PmNjXIvxha" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.25in; text-indent: -0.125in">Basic earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.56</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.70</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.18</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--EarningsPerShareDiluted_pii_uUSDPShares_zT051XG5kwt1" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.25in; text-indent: -0.125in">Diluted earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.56</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.70</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.18</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A5_zXyEFrBrLwF8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p id="xdx_895_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_z0oh8PIos7x3" style="font: 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_z0TtYHJhVZMj">Earnings per common share for the years ended December 31, 2024, 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; margin-left: auto; border-collapse: collapse; width: 95%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </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_495_20240101__20241231_zNhAEXtH74r4" 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_495_20230101__20231231_zzhKL5fMKZc6" 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_492_20220101__20221231_zfUPUm18I4tj" 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="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Years Ended December 31,</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">2024</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="10" style="text-align: center">(Dollars and shares in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="10" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_407_eus-gaap--NetIncomeLoss_pn3n3_uUSD_zoh3rc0emLxc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 67%; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -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: 8%; text-align: right">11,666</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">$</td><td style="border-bottom: Black 2.5pt double; width: 8%; text-align: right">15,068</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 8%; text-align: right">25,887</td><td style="width: 1%; 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></tr> <tr id="xdx_405_eus-gaap--WeightedAverageNumberOfSharesIssuedBasic_pn3n3_uShares_maEPS1_ziFah0egA66f" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Average number of common shares issued</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,345</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,037</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,451</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--WeightedAverageNumberOfSharesEmployeeStockOwnershipPlanSharesNotCommittedToBeReleased_iN_pn3n3_di_uShares_msEPS1_zIEki3sHggz3" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Less: Average unallocated ESOP Shares</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(264</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(338</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(415</td><td style="text-align: left">)</td></tr> <tr id="xdx_408_eus-gaap--WeightedAverageNumberOfSharesContingentlyIssuable_iN_pn3n3_di_uShares_msEPS1_zqrF4ZTk3Ol" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -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">(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 style="border-bottom: Black 1pt solid; text-align: right">(163</td><td style="padding-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">(156</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-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></tr> <tr id="xdx_40F_ecustom--AverageNumberOfCommonSharesOutstandingUsedToCalculateBasicEarningsPerCommonShare_iT_pn3n3_mtEPS1_maEPS2_zQqlSkwDnEwk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -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">20,900</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,536</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,880</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_pn3n3_uShares_maEPS2_z4vpH357sZu7" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Effect of dilutive performance-based equity incentive plan shares</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">74</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">41</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_pn3n3_uShares_maEPS2_zgroAxlk8Lmi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -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: xdx2ixbrl1181">—</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: xdx2ixbrl1182">—</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">17</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_401_ecustom--AverageNumberOfCommonSharesOutstandingUsedToCalculateDilutedEarningsPerCommonShare_iT_pn3n3_mtEPS2_zYtc0TjkIQ98" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -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">21,016</td><td style="padding-bottom: 2.5pt; 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">21,610</td><td style="padding-bottom: 2.5pt; 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">21,938</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; 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></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Net income per common share:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--EarningsPerShareBasic_pii_uUSDPShares_z9PmNjXIvxha" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.25in; text-indent: -0.125in">Basic earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.56</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.70</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.18</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--EarningsPerShareDiluted_pii_uUSDPShares_zT051XG5kwt1" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.25in; text-indent: -0.125in">Diluted earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.56</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.70</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.18</td><td style="text-align: left"> </td></tr> </table> 11666000 15068000 25887000 21345000 22037000 22451000 264000 338000 415000 181000 163000 156000 20900000 21536000 21880000 116000 74000 41000 17000 21016000 21610000 21938000 0.56 0.70 1.18 0.56 0.70 1.18 <p id="xdx_849_eus-gaap--ComprehensiveIncomePolicyPolicyTextBlock_zdVwgsezp8Ji" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86C_z9HNrMtK3xw3">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"> </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 id="xdx_892_eus-gaap--ScheduleOfComprehensiveIncomeLossTableTextBlock_zX95D4uAMGna" style="font: 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_z7KBpGFCENpi">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; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="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">December 31, 2024</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">December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td> </td> <td colspan="6" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 64%; text-align: left; padding-left: 0in">Net unrealized losses on securities available-for-sale</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--AccumulatedOtherComprehensiveIncomeLossBeforeTax1_iI_pn3n3_uUSD_c20241231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_ziYWM5G4yjQ8" style="width: 15%; text-align: right" title="Accumulated other comprehensive income (loss) before tax">(31,236</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--AccumulatedOtherComprehensiveIncomeLossBeforeTax1_iI_pn3n3_uUSD_c20231231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_ztNIlITjkqjk" style="width: 15%; text-align: right" title="Accumulated other comprehensive income (loss) before tax">(29,166</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; padding-left: 0in">Tax effect</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AociTaxAttributableToParent_iNI_pn3n3_di_uUSD_c20241231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zI49T9tsIXO5" style="border-bottom: Black 1pt solid; text-align: right" title="Tax effect">7,962</td><td style="padding-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--AociTaxAttributableToParent_iNI_pn3n3_di_uUSD_c20231231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zjwFvLYzwRVc" style="border-bottom: Black 1pt solid; text-align: right" title="Tax effect">7,422</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; text-indent: 2.8pt; padding-left: 0.125in">Net-of-tax amount</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_uUSD_c20241231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zmPoQmPUwngi" style="text-align: right" title="Accumulated other comprehensive income (loss), net of tax amount">(23,274</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_uUSD_c20231231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zb7TeyBRM0Lj" style="text-align: right" title="Accumulated other comprehensive income (loss), net of tax amount">(21,744</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in"> </td><td style="padding-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: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Accumulated other comprehensive loss</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_uUSD_c20241231_zXiHGn9ABct1" style="border-bottom: Black 2.5pt double; text-align: right" title="Accumulated other comprehensive loss">(23,274</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_uUSD_c20231231_zhFM2yR8HCL4" style="border-bottom: Black 2.5pt double; text-align: right" title="Accumulated other comprehensive loss">(21,744</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> <p id="xdx_8AD_zQD00e22eC6d" style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p id="xdx_892_eus-gaap--ScheduleOfComprehensiveIncomeLossTableTextBlock_zX95D4uAMGna" style="font: 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_z7KBpGFCENpi">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; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="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">December 31, 2024</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">December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td> </td> <td colspan="6" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 64%; text-align: left; padding-left: 0in">Net unrealized losses on securities available-for-sale</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--AccumulatedOtherComprehensiveIncomeLossBeforeTax1_iI_pn3n3_uUSD_c20241231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_ziYWM5G4yjQ8" style="width: 15%; text-align: right" title="Accumulated other comprehensive income (loss) before tax">(31,236</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--AccumulatedOtherComprehensiveIncomeLossBeforeTax1_iI_pn3n3_uUSD_c20231231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_ztNIlITjkqjk" style="width: 15%; text-align: right" title="Accumulated other comprehensive income (loss) before tax">(29,166</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; padding-left: 0in">Tax effect</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AociTaxAttributableToParent_iNI_pn3n3_di_uUSD_c20241231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zI49T9tsIXO5" style="border-bottom: Black 1pt solid; text-align: right" title="Tax effect">7,962</td><td style="padding-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--AociTaxAttributableToParent_iNI_pn3n3_di_uUSD_c20231231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zjwFvLYzwRVc" style="border-bottom: Black 1pt solid; text-align: right" title="Tax effect">7,422</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; text-indent: 2.8pt; padding-left: 0.125in">Net-of-tax amount</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_uUSD_c20241231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zmPoQmPUwngi" style="text-align: right" title="Accumulated other comprehensive income (loss), net of tax amount">(23,274</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_uUSD_c20231231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zb7TeyBRM0Lj" style="text-align: right" title="Accumulated other comprehensive income (loss), net of tax amount">(21,744</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in"> </td><td style="padding-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: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Accumulated other comprehensive loss</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_uUSD_c20241231_zXiHGn9ABct1" style="border-bottom: Black 2.5pt double; text-align: right" title="Accumulated other comprehensive loss">(23,274</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_uUSD_c20231231_zhFM2yR8HCL4" style="border-bottom: Black 2.5pt double; text-align: right" title="Accumulated other comprehensive loss">(21,744</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> -31236000 -29166000 -7962000 -7422000 -23274000 -21744000 -23274000 -21744000 <p id="xdx_845_eus-gaap--NewAccountingPronouncementsPolicyPolicyTextBlock_z2kD2ZvAgHM8" style="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_86D_zTmiuJC9BNTg" style="font: normal 10pt Times New Roman, Times, Serif">Recent Accounting Pronouncements</span><span style="font: normal 10pt Times New Roman, Times, Serif">.</span></p> <p style="font: italic bold 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 November 2023, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2023-07, <i>Segment Reporting – Improvements to Reportable Segment Disclosures</i> (Topic 280), which expands segment disclosure requirements for public entities to require disclosure of significant segment expenses and other segment items on an annual and interim basis. It also requires companies to provide in interim periods all disclosures about a reportable segment’s profit or loss and assets that are currently required annually. This ASU, as amended, became effective for the Company in the consolidated financial statements for the year ended December 31, 2024 (see Note 18 – Segment) and did not have a material impact on the Company’s consolidated financial statements. In addition, this ASU, as amended, will be effective for interim periods beginning in 2025 and is not expected to have a material impact on the Company’s consolidated financial statements.</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 December 2023, the FASB issued ASU 2023-09, <i>Income Taxes—Improvements to Income Tax Disclosures</i> (Topic 740), which requires entities to disclose specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold. On an annual basis, entities must disclose: (1) the amount of income taxes paid, net of refunds, disaggregated by federal, state, and foreign; and (2) the amount of income taxes paid, net of refunds, disaggregated by individual jurisdictions in which income taxes paid, net of refunds received, for amounts equal to or greater than 5% of total income taxes paid. Further, the amendments also require entities to disclose: (1) income or loss from continued operations before income tax expense (or benefit) disaggregated between domestic and foreign sources; and (2) income or loss from continued operations disaggregated by federal, state, and foreign sources. This ASU, as amended, is effective for the Company in fiscal years beginning after December 15, 2024 and is not expected to have a material impact on the Company’s consolidated financial statements.</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 November 2024, the FASB issued ASU 2024-03, <i>Income Statement – Reporting Comprehensive Income – Expense Disaggregation Disclosures – Disaggregation of Income Statement Expenses </i>(Subtopic 220-40). ASU 2024-03 requires disaggregated disclosure of income statement expenses for public business entities. ASU 2024-03 requires new financial statement disclosures in tabular form, disaggregating information about prescribed categories underlying any relevant income statement expense caption. The prescribed categories include, among other things, employee compensation, depreciation, and intangible asset amortization. Additionally, entities must disclose the total amount of selling expenses and, in annual reporting periods, an entity’s definition of selling expenses. This ASU is effective for the Company, on a prospective basis, for annual reporting periods beginning after December 15, 2026 and interim reporting periods within annual reporting periods beginning after December 15, 2027 and is not expected to have a material impact on the Company’s consolidated financial statements.</span></p> <p id="xdx_80E_eus-gaap--InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_z0b3nlpc7vl5" 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-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>2.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_82A_zIIIR8GaX846">INVESTMENT SECURITIES</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"> </span></p> <p id="xdx_892_eus-gaap--MarketableSecuritiesTextBlock_z0aIZ8LYxCSg" style="font: 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_8B7_ziSVV23MY9Xg">The following tables summarize the amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024 and December 31, 2023</span>, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive loss on securities available-for-sale. The Company did not record an allowance for credit losses on its securities held-to-maturity portfolio as of December 31, 2024 and December 31, 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> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </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, 2024</td><td style="padding-bottom: 1pt; 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">Amortized Cost</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Gross Unrealized Gains</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Gross Unrealized Losses</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Securities available-for-sale:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">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; padding-left: 0.125in">Government-sponsored enterprise obligations</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zGABGF4TAJIe" style="width: 10%; text-align: right" title="Available-for-sale securities, amortized cost">19,424</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zd7VcPCl0x63" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1226">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zMGGZgiPDwYi" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized losses">(2,966</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zfVHP120DkG2" style="width: 10%; text-align: right" title="Available-for-sale securities, at fair value">16,458</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; padding-left: 0.125in">Corporate bonds</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zfQaqoXDZUMc" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">5,000</td><td style="padding-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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zAp1YQi2Q6l2" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1234">—</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_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zO79V5QuCIEj" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(390</td><td style="padding-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--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_z2l4AlRzDq9f" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">4,610</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; padding-left: 0.25in">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_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zUMolcDAKwyd" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">24,424</td><td style="padding-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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zJBAIHFPezY9" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1242">—</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_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zdQUfYXh61Dc" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(3,356</td><td style="padding-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--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z2Q0dsbJSmld" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">21,068</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: right"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">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; padding-left: 0.125in">Government-sponsored mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_znK8DlMR8ulj" style="text-align: right" title="Available-for-sale securities, amortized cost">161,313</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zvJiwhTGGGpe" style="text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1250">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zxJKXFYqUAw9" style="text-align: right" title="Available-for-sale securities, gross unrealized losses">(26,535</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zgzK9H34jpTi" style="text-align: right" title="Available-for-sale securities, at fair value">134,778</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; padding-left: 0.125in">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_987_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zMU9WfbRPxQ8" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">6,203</td><td style="padding-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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zyITi2CextGh" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1258">—</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_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zuERwT9SEZWf" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(1,345</td><td style="padding-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_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zVukJLi7djW7" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">4,858</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; padding-left: 0.25in">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_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z5Zb6mTWkar6" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">167,516</td><td style="padding-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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z3dawZ49Ve5l" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1266">—</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_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_ztGueuVBvX44" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(27,880</td><td style="padding-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--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zQPnZxqVErT6" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">139,636</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0.375in">Total securities available-for-sale</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_maAmortCost_c20241231_zXj1BWPEFwXk" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">191,940</td><td style="padding-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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_maUnrealGain_c20241231_zVHCcDZ14VOb" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1274">—</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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_maUnrealLoss_c20241231_zFixApOGt2mh" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(31,236</td><td style="padding-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_maFairVal_c20241231_zUOGej2kfpDh" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">160,704</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">Securities 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></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">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: White"> <td style="text-align: left; padding-left: 0.125in">U.S. Treasury securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zN0yTX5okaKc" style="text-align: right">5,002</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zaoVKb4QcAf" style="text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1281">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z2jpfeCYyWS3" style="text-align: right">(275</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zs35jSMSRUi4" style="text-align: right">4,727</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; padding-left: 0.125in">U.S. government guaranteed obligations</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_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zI102kQTVdF2" style="border-bottom: Black 1pt solid; text-align: right">1,064</td><td style="padding-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_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zeDfmxmXJfd3" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1286">—</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_98E_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zrqjl1AWmN06" 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_987_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zBaseCjD3EO2" style="border-bottom: Black 1pt solid; text-align: right">1,061</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; padding-left: 0.25in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zJAmidbWnM83" style="border-bottom: Black 1pt solid; text-align: right">6,066</td><td style="padding-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_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zfxULoEtLZy" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1291">—</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--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zJK8YT67kGL5" 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 id="xdx_984_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zf4kxxexSlsl" style="border-bottom: Black 1pt solid; text-align: right">5,788</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">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; padding-left: 0.125in">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_98D_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z3jEF6ZqRJVa" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">198,970</td><td style="padding-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--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zj17tyY45Ira" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">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_989_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zUPsbqP11jD4" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(39,165</td><td style="padding-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--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zYHNQi32Rcbi" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">159,818</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; padding-left: 0.125in">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_983_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zj9rNlvPOrqc" style="border-bottom: Black 1pt solid; text-align: right">198,970</td><td style="padding-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_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zABUsyzqhUB4" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">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_98E_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_znMqHSMImybd" style="border-bottom: Black 1pt solid; text-align: right">(39,165</td><td style="padding-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_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zadSUG4xljvf" style="border-bottom: Black 1pt solid; text-align: right">159,818</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0.375in">Total securities held-to-maturity</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_maAmortCost_c20241231_zAoAkhn328mf" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">205,036</td><td style="padding-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--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_maUnrealGain_c20241231_zymow4UH1W2f" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">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_98D_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_maUnrealLoss_c20241231_z89o9ZmmXy4i" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(39,443</td><td style="padding-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_maFairVal_c20241231_zPsSkyLD3tQ9" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">165,606</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-bottom: 2.5pt; padding-left: 0.25in"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt -0.25in; text-indent: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b> </span></p></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss_iTI_pn3n3_mtAmortCost_c20241231_zsTaBQdIMV81" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, amortized cost">396,976</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain_iTI_pn3n3_mtUnrealGain_c20241231_zkShd6f0pgc9" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized gains">13</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss_iNTI_pn3n3_di_mtUnrealLoss_c20241231_zUjqu3mwVFad" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized losses">(70,679</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iTI_pn3n3_mtFairVal_c20241231_zD9Pa5VRtBVf" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, fair value">326,310</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <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="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, 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">Amortized Cost</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Gross Unrealized Gains</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Gross Unrealized Losses</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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="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">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Securities available-for-sale:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">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; padding-left: 0.25in; text-indent: -0.125in">Government-sponsored enterprise obligations</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zZyMvK8jFkj3" style="width: 10%; text-align: right" title="Available-for-sale securities, amortized cost">14,924</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zEJqZ2DRN875" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1326">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zFKoDTy2Wjhl" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized losses">(2,898</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zHBYIG1crqRg" style="width: 10%; text-align: right" title="Available-for-sale securities, at fair value">12,026</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.25in; text-indent: -0.125in">State and municipal bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z5saY9K2yph1" style="text-align: right" title="Available-for-sale securities, amortized cost">135</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zFJaiteyJ2va" style="text-align: right" title="Available-for-sale securities, gross unrealized gains"><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_98C_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zA1Jxd2j8Yz3" style="text-align: right" title="Available-for-sale securities, gross unrealized losses"><span style="-sec-ix-hidden: xdx2ixbrl1336">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z4c5mSpglyTd" style="text-align: right" title="Available-for-sale securities, at fair value">135</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; padding-left: 0.25in; text-indent: -0.125in">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_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zFuWTfnMUrGd" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">8,000</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zCa974WJ04a6" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1342">—</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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_z9G82kc8k5Ra" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(1,038</td><td style="padding-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--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_z5tNGpe2jOu2" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">6,962</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; padding-left: 0.375in; text-indent: -0.125in">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--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_ztMzpHYEZFii" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">23,059</td><td style="padding-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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zrN2BssxRJLb" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1350">—</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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zS4idiDy4X79" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(3,936</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zbEuvSQZLzgg" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">19,123</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; 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></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -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-left: 0.25in; text-indent: -0.125in">Government-sponsored mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z31vr3z2Mb23" style="text-align: right" title="Available-for-sale securities, amortized cost">136,533</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zvNKphWcqBre" style="text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1358">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zBOc5tmddHJ4" style="text-align: right" title="Available-for-sale securities, gross unrealized losses">(23,976</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zmAGD9z3mE63" style="text-align: right" title="Available-for-sale securities, at fair value">112,557</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.25in; text-indent: -0.125in">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_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z5BpVaZZldg1" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">6,689</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zntEkaD3PwB8" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1366">—</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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zVwmZXd1W5Oh" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(1,254</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zyY7fLiV1Bfa" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">5,435</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; padding-left: 0.375in; text-indent: -0.125in">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_982_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zcJysycHWl0g" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">143,222</td><td style="padding-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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zRMVdcOKqjD4" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1374">—</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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zWDUgBZsoBRh" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(25,230</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z82JGwjHJ1La" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">117,992</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-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></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.5in; text-indent: -0.125in">Total securities available-for-sale</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_maAmortCost_c20231231_zbFVSaUOg5S9" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">166,281</td><td style="padding-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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_maUnrealGain_c20231231_zAqAei0lEsc5" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1382">—</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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_maUnrealLoss_c20231231_zAUpjN3tSo7a" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(29,166</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 id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_maFairVal_c20231231_zF0X557nJOAi" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">137,115</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold"> </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; background-color: rgb(204,238,255)"> <td style="font-weight: bold">Securities held-to-maturity:</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; background-color: White"> <td>Debt securities:</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" 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: 1pt; padding-left: 0.125in">U.S. Treasury securities</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_986_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zIJfYAGEuSx8" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">9,995</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_98F_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zBcD0cBcfS0j" style="border-bottom: Black 1pt solid; width: 10%; text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1389">—</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 id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zbRwWR2U1OW3" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">(545</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_98F_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z6i8UQCBkOj3" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">9,450</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Total debt 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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zRVoKsnozirh" style="border-bottom: Black 1pt solid; text-align: right">9,995</td><td style="padding-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--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zKHemKG1wsJ4" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1394">—</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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zNJtU5lLS1w9" style="border-bottom: Black 1pt solid; text-align: right">(545</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zlnzSocTgyfe" style="border-bottom: Black 1pt solid; text-align: right">9,450</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">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; padding-left: 0.125in">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_980_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zORPvkr9lit2" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">213,375</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z0l2kSjhZUP1" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">107</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zQX4u69cOxne" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(35,240</td><td style="padding-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--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zP6fXprjkftk" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">178,242</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; padding-left: 0.25in">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_985_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zfWGs6nFOw33" style="border-bottom: Black 1pt solid; text-align: right">213,375</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zqi500hhXNX3" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">107</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zpAOZx2szs9l" style="border-bottom: Black 1pt solid; text-align: right">(35,240</td><td style="padding-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--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z2HLhbMMzo5i" style="border-bottom: Black 1pt solid; text-align: right">178,242</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0.375in"> Total securities held-to-maturity</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_maAmortCost_c20231231_z628Tlj8Ko8f" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">223,370</td><td style="padding-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--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_maUnrealGain_c20231231_zXLV1l18UlW9" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">107</td><td style="padding-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_maUnrealLoss_c20231231_zw0SKVvCmXA7" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(35,785</td><td style="padding-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_maFairVal_c20231231_z0YgBD25Rxi2" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">187,692</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-bottom: 2.5pt"><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>Total </b></span></p></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss_iTI_pn3n3_mtAmortCost_c20231231_zb6QmMA511ze" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, amortized cost">389,651</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain_iTI_pn3n3_mtUnrealGain_c20231231_zmzqjsCbtpr3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized gains">107</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss_iNTI_pn3n3_di_mtUnrealLoss_c20231231_zvJzJNUMenih" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized losses">(64,951</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iTI_pn3n3_mtFairVal_c20231231_zCTmjL41lTjd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, fair value">324,807</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A4_zI1DwrRSvrX8" style="margin-top: 0; margin-bottom: 0"> </p> <p id="xdx_89F_eus-gaap--InvestmentsInDebtAndEquityInstrumentsCashAndCashEquivalentsUnrealizedAndRealizedGainsLossesTextBlock_z0LDkq3AfRLf" 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_zuxC4iz91Iqh">The following table presents the unrealized gains (losses) recognized on marketable equity securities for the years 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-align: center; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49B_20240101__20241231_zuz8HUF1c5E9" 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_491_20230101__20231231_zxJ42dUM8hZf" 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_495_20220101__20221231_z2sc4aQyWCej" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; 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">Years Ended December 31,</td><td style="padding-bottom: 1pt; 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">2024</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> </td><td> </td> <td colspan="10" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_403_eus-gaap--EquitySecuritiesFvNiUnrealizedGainLoss_pn3n3_maESFNGzfsj_zb1ok2j7qgfa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 61%; text-align: left">Net gains (losses) recognized during the year on marketable equity securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">13</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">(1</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">(717</td><td style="width: 1%; text-align: left">)</td></tr> <tr id="xdx_408_eus-gaap--EquitySecuritiesFvNiRealizedGainLoss_pn3n3_maESFNGzfsj_zibIBZYUEVDk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Net losses recognized during the year on equity securities sold during the year</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1434">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1435">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,021</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--EquitySecuritiesFvNiGainLoss_iT_pn3n3_mtESFNGzfsj_zIXHehlW6JKb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Unrealized gain (loss) recognized during the year on marketable equity securities still held at year end</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">13</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(1</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">304</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AD_zXvSv9LRaAp6" 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">During the second quarter of 2023, $<span id="xdx_90F_eus-gaap--ProceedsFromSaleAndMaturityOfMarketableSecurities_pn5n6_c20230401__20230630_zj4XZxb7KH04" 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 December 31, 2024 and 2023, the balance of marketable equity securities was $<span id="xdx_90C_eus-gaap--EquitySecuritiesFvNi_iI_pn3p0_c20241231_zUbFMkBtgEWi" title="Marketable equity securities">397,000</span> and $<span id="xdx_903_eus-gaap--EquitySecuritiesFvNi_iI_pn3p0_c20231231_zJ16iXlizOf4" title="Marketable equity securities">196,000</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 December 31, 2024, U.S. Treasury securities with a fair value of $<span id="xdx_90D_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iI_pn5n6_c20241231__us-gaap--PledgedStatusAxis__us-gaap--AssetPledgedAsCollateralMember__us-gaap--PledgingPurposeAxis__us-gaap--DepositsMember__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z6rxzwaSIQKd" title="Securities fair value">4.7</span> million, government-sponsored enterprise obligations with a fair value of $<span id="xdx_905_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iI_pn5n6_c20241231__us-gaap--PledgedStatusAxis__us-gaap--AssetPledgedAsCollateralMember__us-gaap--PledgingPurposeAxis__us-gaap--DepositsMember__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zmTl4HxhJ9R6" title="Securities fair value">7.9</span> million and mortgage-backed securities with a fair value of $<span id="xdx_903_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iI_pn5n6_c20241231__us-gaap--PledgedStatusAxis__us-gaap--AssetPledgedAsCollateralMember__us-gaap--PledgingPurposeAxis__us-gaap--DepositsMember__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z5V4LzVauzj8" title="Securities fair value">157.4</span> million were pledged to secure public deposits 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 id="xdx_894_eus-gaap--InvestmentsClassifiedByContractualMaturityDateTableTextBlock_z5ZLmCzkfO05" style="font: 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_zQBCCgGawbD8">The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024, 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></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> </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> </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> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">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: 12.6pt; padding-left: -0.125in">Due after one year through five years</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_iI_pn3n3_maAvailAmort_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zMR1GpWNba5k" style="width: 10%; text-align: right" title="Available-for-sale securities, due after one year through five years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1456">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_maAvailFV_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zeNTLUo44ed" style="width: 10%; text-align: right" title="Available-for-sale securities, due after one year through five years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1458">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost_iI_pn3n3_maHeldAmort_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zZ6CeWvhCvVi" style="width: 10%; text-align: right" title="Held-to-maturity securities, due after one year through five years, amortized cost">5,002</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--HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_maHeldFV_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zz2tPqf5ctef" style="width: 10%; text-align: right" title="Held-to-maturity securities, due after one year through five years, fair value">4,727</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: 12.75pt; padding-left: 0in">Due after five years through ten years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_iI_pn3n3_maAvailAmort_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zz2QILyMvS5f" style="text-align: right" title="Available-for-sale securities, due after five years through ten years, amortized cost">22,427</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_maAvailFV_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z0Tih2nw6n5h" style="text-align: right" title="Available-for-sale securities, due after five years through ten years, fair value">19,076</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost_iI_pn3n3_maHeldAmort_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zZdZnv0WWmg8" style="text-align: right" title="Held-to-maturity securities, due after five years through ten years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1468">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_maHeldFV_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zZzSw882fDW3" style="text-align: right" title="Held-to-maturity securities, due after five years through ten years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1470">—</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; padding-bottom: 1pt; text-indent: 12.75pt; padding-left: 0in">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_982_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_iI_pn3n3_maAvailAmort_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zekw0Oc1ZMQ" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, due after ten years, amortized cost">1,997</td><td style="padding-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--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_iI_pn3n3_maAvailFV_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zRgO9oYVY11b" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, due after ten years, fair value">1,992</td><td style="padding-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--HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsAmortizedCost_iI_pn3n3_maHeldAmort_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zWpCDbWqQ6S" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, due after ten years, amortized cost">1,064</td><td style="padding-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_maHeldFV_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zBilFB0DisX5" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, due after ten years, fair value">1,061</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: 17.1pt; padding-left: 0.125in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_mtAvailAmort_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zDcahjj83Ka7" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost, available for sale">24,424</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_pn3n3_mtAvailFV_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zWIsSezh1qF7" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value, available for sale">21,068</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98C_eus-gaap--HeldToMaturitySecurities_iTI_pn3n3_mtHeldAmort_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zV44oWpC2Yn6" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost, held to maturity">6,066</td><td style="padding-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--HeldToMaturitySecuritiesFairValue_iTI_pn3n3_mtHeldFV_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zNtvpW2Tnd5e" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value, held to maturity">5,788</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> </table> <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> </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> </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> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">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="width: 48%; text-align: left; padding-left: 0.125in">Due after one year through five years</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zZ0R4zHibRe8" style="width: 10%; text-align: right">843</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zkAnID9iJbhe" style="width: 10%; text-align: right">820</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z4EdGdhA9RGg" style="width: 10%; 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_98A_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zgy9QsQMoVDg" style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1490">—</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">Due after five years through ten years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zE0JVyDFcWY1" style="text-align: right">2,807</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zVifrpvsq5O5" style="text-align: right">2,749</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zVU6ujgt9Tli" style="text-align: right">2,524</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z2RSf8wE8bk7" style="text-align: right">2,397</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; padding-left: 0.125in">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_981_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zXkPjpvHLKua" style="border-bottom: Black 1pt solid; text-align: right">163,866</td><td style="padding-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--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zlQYJhvG8TWe" style="border-bottom: Black 1pt solid; text-align: right">136,067</td><td style="padding-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_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zR1kbvcfOsw8" style="border-bottom: Black 1pt solid; text-align: right">196,446</td><td style="padding-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_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zJZ0cLFd2ioa" style="border-bottom: Black 1pt solid; text-align: right">157,421</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; padding-left: 0.125in">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_986_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zoUxAJ4qKgWi" style="border-bottom: Black 1pt solid; text-align: right">167,516</td><td style="padding-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_iTI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zsPHRYd22NW6" style="border-bottom: Black 1pt solid; text-align: right">139,636</td><td style="padding-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--HeldToMaturitySecurities_iTI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zhRBsrsuAsia" style="border-bottom: Black 1pt solid; text-align: right">198,970</td><td style="padding-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_iTI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zklTWBx6us4l" style="border-bottom: Black 1pt solid; text-align: right">159,818</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: 2.5pt">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_980_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_c20241231_zGXc4VP8b6tj" style="border-bottom: Black 2.5pt double; text-align: right">191,940</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_pn3n3_c20241231_zKYDf5LZyLdd" style="border-bottom: Black 2.5pt double; text-align: right">160,704</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--HeldToMaturitySecurities_iTI_pn3n3_c20241231_zXOlztSXtAh5" style="border-bottom: Black 2.5pt double; text-align: right">205,036</td><td style="padding-bottom: 2.5pt; 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--HeldToMaturitySecuritiesFairValue_iTI_pn3n3_c20241231_z41iboqMWvG8" style="border-bottom: Black 2.5pt double; text-align: right">165,606</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AD_zUU4Rt7t84ti" 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">Gross realized losses on sales of securities available-for-sale for the year ended December 31, 2022 were $<span id="xdx_902_eus-gaap--DebtSecuritiesAvailableForSaleRealizedLoss_pn3d_c20220101__20221231_zwgKYi0xur0h" title="Gross realized losses on sales of securities available-for-sale">4,000</span>. There were no gross realized gains or losses on sales of securities available-for-sale for the years ended December 31, 2024 and 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">Proceeds from the sales of securities available-for-sale totaled $<span id="xdx_90F_eus-gaap--ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_pn3p0_uUSD_c20220101__20221231_zysQ90pc10eh" title="Proceeds from the sales of securities available-for-sale">20,000</span> for the year ended December 31, 2022. There were no sales of securities for the years ended December 31, 2024 and 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">Accrued interest receivable on securities available-for-sale guaranteed by government agencies totaled $<span id="xdx_905_eus-gaap--DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_iI_pn3p0_c20241231__us-gaap--FinancialInstrumentAxis__custom--GuaranteedByGovernmentAgenciesMember_zs4vxsbhp7ui" title="Accrued interest receivable on available for sale securities">472,000</span> at December 31, 2024 and $<span id="xdx_90B_eus-gaap--DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_iI_pn3p0_c20231231__us-gaap--FinancialInstrumentAxis__custom--GuaranteedByGovernmentAgenciesMember_zSdwQdYkxzn" title="Accrued interest receivable on available for sale securities">333,000</span> at December 31, 2023, and is excluded from the estimate of credit losses. Accrued interest receivable on debt securities available-for-sale not guaranteed by government agencies totaled $<span id="xdx_90F_eus-gaap--DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_iI_pn3p0_c20241231__us-gaap--FinancialInstrumentAxis__custom--NotGuaranteedByGovernmentAgenciesMember_zjoz3Ym8QIJj" title="Accrued interest receivable on available for sale securities">123,000</span> at December 31, 2024 and $<span id="xdx_909_eus-gaap--DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_iI_pn3p0_c20231231__us-gaap--FinancialInstrumentAxis__custom--NotGuaranteedByGovernmentAgenciesMember_zbbzONjThUOk" title="Accrued interest receivable on available for sale securities">178,000</span> at December 31, 2023, and is excluded from the estimate of credit losses. There were no allowances for credit losses established on debt securities available-for-sale during the years ended December 31, 2024 and 2023.</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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At December 31, 2024 there was <span id="xdx_903_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_pip0_dc_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember__us-gaap--ExternalCreditRatingByGroupingAxis__us-gaap--ExternalCreditRatingNonInvestmentGradeMember_zAq37zoFS6Da" title="Number of securities">one</span> available-for-sale corporate bond that was rated below investment grade by one or more ratings agencies, while at December 31, 2023, there were <span id="xdx_902_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_pip0_dc_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember__us-gaap--ExternalCreditRatingByGroupingAxis__us-gaap--ExternalCreditRatingNonInvestmentGradeMember_zUrAhhjFfemg" 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 the corporate bond rated below investment grade at December 31, 2024 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 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 id="xdx_906_eus-gaap--DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_iI_dxL_c20241231_zOpBEtWaMAWe" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23InterestReceivable"><span style="-sec-ix-hidden: xdx2ixbrl1523">Accrued interest receivable</span></span> on securities held-to-maturity totaled $<span id="xdx_90A_eus-gaap--DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss_iI_pn3p0_c20241231_zXdWdYfOLvCc" title="Accrued interest receivable on held-to-maturity securities">430,000</span> at December 31, 2024 and $<span id="xdx_902_eus-gaap--DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss_iI_pn3p0_c20231231_zcWjuffD07c6" title="Accrued interest receivable on held-to-maturity securities">454,000</span> at December 31, 2023, and is excluded from the estimate of credit losses. There were no allowances for credit losses established on securities held-to-maturity securities during the years ended December 31, 2024 and 2023.</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 id="xdx_892_eus-gaap--UnrealizedGainLossOnInvestmentsTableTextBlock_zXcsNSOdNyZ4" style="font: 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_zf5VANKSTu3c">The following tables summarize the gross unrealized losses and fair value of the Company’s securities available-for-sale and held-to-maturity, segregated by the duration of their continuous unrealized loss positions at December 31, 2024 and 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; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="30" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">Less Than Twelve Months</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">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"> </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">Number of Securities</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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="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">Gross Unrealized Loss</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Depreciation from Amortized Cost Basis (%)</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">Number of Securities</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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="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">Gross Unrealized Loss</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Depreciation from Amortized Cost Basis (%)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in"> </td><td> </td> <td colspan="30" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0in">Securities available-for-sale:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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="width: 28%; text-align: left; padding-left: 0.125in">Government-sponsored mortgage-backed securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z8BYnaVchAD5" style="width: 6%; text-align: right">9</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--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zrYqb9Fg1zy" style="width: 6%; text-align: right">33,145</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zSemh0vEaBzk" style="width: 6%; text-align: right">584</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_982_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zpiYZnZG0PIg" style="width: 6%; text-align: right">1.7</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zPGbxrpLsaqi" style="width: 6%; text-align: right">70</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zzf6RPtOupQc" style="width: 6%; text-align: right">99,529</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--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zrAbsgrdwwa9" style="width: 6%; text-align: right">25,951</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_98F_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zrbUMQlbz9md" style="width: 6%; text-align: right">20.7</td><td style="width: 1%; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">U.S. government guaranteed mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zexxS68E34Kl" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1538">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zwehYck58bmf" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1539">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zr21sludOlOb" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1540">—</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_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zOPBij5S9N54" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1541">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zzhT4w7JM8cl" style="text-align: right">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zzu9ivHiMlVi" style="text-align: right">4,858</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zmEOL4cXw0C5" style="text-align: right">1,345</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zz8j4HfIs9ni" style="text-align: right">21.7</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">Government-sponsored enterprise obligations</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zOazP8j4fDsi" style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zaiWlEfv2e5g" style="text-align: right">4,452</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zthE8C8haWZ6" style="text-align: right">19</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_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zPJsC6cOFhRf" style="text-align: right">0.4</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_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zGggphtC6nz6" style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zSH9Cb3A2v8d" style="text-align: right">11,988</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zEvoCOOXKtGa" style="text-align: right">2,947</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_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zLGej3uJnGG" style="text-align: right">19.7</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Corporate bonds</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zaEg20wt4Nh6" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1554">—</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zUKcUu8I0cu5" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1555">—</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zcgSvpYHjWEl" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1556">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zvyhk5bsEEf4" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1557">—</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--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zJlStsBDbLYk" style="border-bottom: Black 1pt solid; text-align: right">2</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_z5j21XEdpNt2" style="border-bottom: Black 1pt solid; text-align: right">4,610</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zzGANnk1yMq9" style="border-bottom: Black 1pt solid; text-align: right">390</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zOHIUvOWwtJf" style="text-align: right">7.8</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; padding-left: 0in">Total securities available-for-sale</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20241231_zAGEZcS9gxU3" style="border-bottom: Black 1pt solid; text-align: right">12</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_maFV_c20241231_zT5v8Somnq9i" style="border-bottom: Black 1pt solid; text-align: right">37,597</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_maGUL_c20241231_zqSjwLYIPoh5" style="border-bottom: Black 1pt solid; text-align: right">603</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="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_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20241231_z6khHLrXC6E4" style="border-bottom: Black 1pt solid; text-align: right">84</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_maFV2_c20241231_zktMvo5nlXda" style="border-bottom: Black 1pt solid; text-align: right">120,985</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_maGUL2_c20241231_zEhKUe66FrH8" style="border-bottom: Black 1pt solid; text-align: right">30,633</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="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="padding-left: 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><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: White"> <td style="font-weight: bold; padding-left: 0in">Securities held-to-maturity:</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; padding-left: 0.125in">U.S. Treasury securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 6%; 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 style="width: 6%; 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 style="width: 6%; 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 style="width: 6%; 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_98C_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zRNIGnYRpiL" style="width: 6%; text-align: right">1</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--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zA7yieKzLTA5" style="width: 6%; text-align: right">4,727</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--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zZt199reqOzh" style="width: 6%; text-align: right">275</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--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zRA1orfPuwKl" style="width: 6%; text-align: right">5.5</td><td style="width: 1%; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">U.S. government guaranteed obligations</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zfMJwXuovaWc" style="text-align: right">1</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zdeSsR0yhsD9" style="text-align: right">1,061</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zvgrvSIm3Ylc" style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="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; padding-left: 0.125in">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_98E_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zWT4s4enga0d" style="border-bottom: Black 1pt solid; text-align: right">4</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z2VL7CKj19d" style="border-bottom: Black 1pt solid; text-align: right">9,187</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zLZH16YJKxQ9" style="border-bottom: Black 1pt solid; text-align: right">127</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zz9PBK9fRwr5" style="text-align: right">1.4</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 id="xdx_987_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zJCCmOdSxaA2" style="border-bottom: Black 1pt solid; text-align: right">37</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zfZ9uyVxdFui" style="border-bottom: Black 1pt solid; text-align: right">148,992</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_ztNTfCN1FGZa" style="border-bottom: Black 1pt solid; text-align: right">39,038</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zHoyR1q9TjJa" style="text-align: right" title="Held-to-maturity, over 12 months, depreciation from amortized cost basis (%)">20.8</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; padding-left: 0in">Total securities held-to-maturity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20241231_zOQyLUpizJ7l" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, number of securities">5</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_maFV_c20241231_zCJBsWr3gL85" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, fair value">10,248</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_maGUL_c20241231_z1aYqcRmKt3j" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, gross unrealized loss">130</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="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_987_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20241231_z6xVVB3Upv75" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, number of securities">38</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_maFV2_c20241231_zuDZRdpeS6N7" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, fair value">153,719</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_maGUL2_c20241231_zr1mD2YuUIc3" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, gross unrealized loss">39,313</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="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="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="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">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_98E_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iTI_pip0_uNumber_mtNOS_c20241231_zzqnfxOCDbed" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, number of securities">17</td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12Months_iTI_pn3n3_mtFV_c20241231_znHWyZarUI0l" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, fair value">47,845</td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iTI_pn3n3_mtGUL_c20241231_zmLBeiqUi1t6" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, gross unrealized loss">733</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_982_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iTI_pip0_uNumber_mtNOS2_c20241231_za9OXLLub5Tl" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, number of securities">122</td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger_iTI_pn3n3_mtFV2_c20241231_zF46PdZA8oh6" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, fair value">274,704</td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iTI_pn3n3_mtGUL2_c20241231_zfAsQZcJeaO4" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, gross unrealized loss">69,946</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 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="padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="30" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">Less Than Twelve Months</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">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"> </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">Number of Securities</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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="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">Gross Unrealized Loss</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Depreciation from Amortized Cost Basis (%)</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">Number of Securities</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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="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">Gross Unrealized Loss</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Depreciation from Amortized Cost Basis (%)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 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="font-weight: bold; text-align: left; padding-left: 0in">Securities available-for-sale:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 28%; text-align: left; padding-left: 0.125in">Government-sponsored mortgage-backed securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zKpbmLOl4kh9" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1609">—</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_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_ziQxNlTM7tk8" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1610">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zqCJGJkNYmJc" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1611">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z9SMe7TVayA" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1612">—</span></td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zYJkiQ597KBa" style="width: 6%; text-align: right">70</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zoYfUqxHv0S2" style="width: 6%; text-align: right">112,557</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--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z6ulIQPrN8ed" style="width: 6%; text-align: right">23,976</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_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zi5T8eNvxR33" style="width: 6%; text-align: right">17.6</td><td style="width: 1%; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">U.S. government guaranteed mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z30Gq6vizTC6" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1617">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z3XgMOrYsuUh" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1618">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z4kA9bUiWJyj" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1619">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_za58tD1NTxO3" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1620">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zxfX3hJ9ACT3" style="text-align: right">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_znUhv7iIqLOj" style="text-align: right">5,435</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zwQUpp6pQUQd" style="text-align: right">1,254</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zpE9yG6Ussc3" style="text-align: right">18.7</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">Government-sponsored enterprise obligations</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zDRtVQhljvki" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1625">—</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_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z391Z89ouHQ9" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1626">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zbZ8ynT1GIBi" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1627">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z7le7n7nxWya" style="text-align: right" title="Available-for-sale, less than 12 months, depreciation from amortized cost basis (%)"><span style="-sec-ix-hidden: xdx2ixbrl1629">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zH8iLdX8AwY8" style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z2XoqdBzOa3d" style="text-align: right">12,026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zoljiYc3EiYc" style="text-align: right">2,898</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zxRzi0dKadni" style="text-align: right" title="Available-for-sale, over 12 months, depreciation from amortized cost basis (%)">19.4</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Corporate bonds</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zaX8z3jYOM2d" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1635">—</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zpPPXpm11V8l" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1636">—</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_z4UYwWowR5Nb" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1637">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_z2xA0jA7wuM1" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1638">—</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--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_z5fPxRbr8h8f" style="border-bottom: Black 1pt solid; text-align: right">3</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zjNeak7U8uM4" style="border-bottom: Black 1pt solid; text-align: right">6,962</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zOpMd5YQ20Ja" style="border-bottom: Black 1pt solid; text-align: right">1,038</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zSJbGcDArCv9" style="text-align: right">13.0</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; padding-left: 0in">Total securities available-for-sale</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20231231_zQRj5jr0n2cc" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, number of securities"><span style="-sec-ix-hidden: xdx2ixbrl1644">—</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231_zLg8A2Y0mC9h" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1646">—</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231_zvQm1DyS0JJ" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, gross unrealized loss"><span style="-sec-ix-hidden: xdx2ixbrl1648">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="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_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231_z0WH34tjNo92" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, number of securities">85</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20231231_zXmUYtomJQul" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, fair value">136,980</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20231231_zvGOEdWe3IOd" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, gross unrealized loss">29,166</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </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"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0in">Securities 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; padding-left: 0.125in">U.S. Treasury 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><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zAmtBmjVRzZ7" style="text-align: right">2</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zvuRLqtMqnO4" style="text-align: right">9,450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z1VNFf8Z7b74" style="text-align: right">545</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zmtT2t1AvJ39" style="text-align: right">5.5</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; padding-left: 0.125in">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_98F_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zS0oOhXy3zjg" style="border-bottom: Black 1pt solid; text-align: right">4</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zsQ4DEZTebBf" style="border-bottom: Black 1pt solid; text-align: right">7,097</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_znoorPQRaWy6" style="border-bottom: Black 1pt solid; text-align: right">56</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z3BwUtotgXd8" style="text-align: right" title="Held-to-maturity, less than 12 months, depreciation from amortized cost basis (%)">0.8</td><td style="padding-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_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zz3y6LapoQ05" style="border-bottom: Black 1pt solid; text-align: right">36</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z08GxdjNk6W7" style="border-bottom: Black 1pt solid; text-align: right">164,395</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zlxcOFH8woP2" style="border-bottom: Black 1pt solid; text-align: right">35,184</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zi9T79nEj0Rj" style="text-align: right" title="Held-to-maturity, over 12 months, depreciation from amortized cost basis (%)">17.6</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; padding-left: 0in">Total securities held-to-maturity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20231231_zz8E1Ph0sF8g" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, number of securities">4</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20231231_zdVn4qgUA2Ud" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, fair value">7,097</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231_zGk2AK8SfjNf" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, gross unrealized loss">56</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="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_987_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231_zRHyzSo63Vod" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, number of securities">38</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20231231_zLOOXZKjVjO9" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, fair value">173,845</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20231231_z6sf1MeF4mVl" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, gross unrealized loss">35,729</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="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="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="font-weight: bold; text-align: left; padding-left: 0in">Total securities</td><td> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98C_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iTI_pip0_uNumber_c20231231_zzZClA1v4F27" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, number of securities">4</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--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12Months_iTI_pn3n3_c20231231_zLgvwZLFucGg" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, fair value">7,097</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">$</td><td id="xdx_98B_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iTI_pn3n3_c20231231_zIhenZJOWv4f" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, gross unrealized loss">56</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_989_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iTI_pip0_uNumber_c20231231_zvbIZMiutpU" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, number of securities">123</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger_iTI_pn3n3_c20231231_z5Lzz8Tgmjp8" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, fair value">310,825</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--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iTI_pn3n3_c20231231_zMgF8yJe27u3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, gross unrealized loss">64,895</td><td style="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_8A3_zCmwk8l7cG6g" 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">The Company expects to recover its amortized cost basis on all securities in its available-for-sale and held-to-maturity portfolios. Furthermore, the Company does not intend to sell, nor does it anticipate that it will be required to sell any of its securities in an unrealized loss position as of December 31, 2024, prior to this anticipated recovery. The decline in fair value on its available-for-sale and held-to-maturity portfolios is largely due to changes in interest rates and other market conditions and not due to credit quality issues. The issuers continue to make timely principal and interest payments on the securities and the fair value is expected to recover as the securities approach maturity. The Company’s ability and intent to hold these securities until recovery is supported by the Company’s stable capital and liquidity positions as well as its historically low portfolio turnover. The following description provides the number of investment positions in an unrealized loss position:</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 December 31, 2024, the Company reported unrealized losses on the securities available-for-sale portfolio of $<span id="xdx_907_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iI_pn5n6_c20241231_z0IkgWNuNwV5" title="Available-for-sale, gross unrealized loss">31.2</span> million, or <span id="xdx_905_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionDepreciationFromAmortizedCostPercentage_iI_dp_c20241231_z5ruNNFhPeNd" title="Available-for-sale, depreciation from amortized cost basis (%)">16.2</span>% of the amortized cost basis of the securities available-for-sale, compared to unrealized losses of $<span id="xdx_90E_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iI_pn5n6_c20231231_zDX3GE4V70d8" title="Available-for-sale, gross unrealized loss">29.2</span> million, or <span id="xdx_90F_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionDepreciationFromAmortizedCostPercentage_iI_dp_c20231231_zWlz7v5RIG76" title="Available-for-sale, depreciation from amortized cost basis (%)">17.5</span>% of the amortized cost basis of the securities available-for-sale at December 31, 2023. At December 31, 2024, there were <span id="xdx_909_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20241231_z9uSnMaQlboh" title="Available-for-sale, number of securities, fair value less than amortized cost">96</span> securities available-for-sale in which the fair value was less than the amortized cost, compared to <span id="xdx_901_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20231231_zGS9RDnwtdC2" title="Available-for-sale, number of securities, fair value less than amortized cost">85</span> securities available-for-sale at December 31, 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 December 31, 2024, the Company reported unrealized losses on the securities held-to-maturity portfolio of $<span id="xdx_90D_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss_iI_pn5n6_c20241231_zmW0hm8oHsdk" title="Held-to-maturity, gross unrealized loss">39.4</span> million, or <span id="xdx_904_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionDepreciationFromAmortizedCostPercentage_iI_dp_c20241231_zHb3Vs8zHR9a" title="Held-to-maturity, depreciation from amortized cost basis (%)">19.2</span>%, of the amortized cost basis of the securities held-to-maturity portfolio, compared to $<span id="xdx_905_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss_iI_pn5n6_c20231231_zO5CARcrUDqj" title="Held-to-maturity, gross unrealized loss">35.7</span> million, or <span id="xdx_908_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionDepreciationFromAmortizedCostPercentage_iI_dp_c20231231_zsKy2rbjnhYa" title="Held-to-maturity, depreciation from amortized cost basis (%)">16.0</span>% of the amortized cost basis of the securities held-to-maturity at December 31, 2023. At December 31, 2024, there <span id="xdx_90D_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20241231_zGtVtX91TDfl" title="Held-to-maturity, number of securities, fair value less than amortized cost">43</span> securities held-to-maturity in which the fair value was less than the amortized cost, compared to <span id="xdx_90F_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20231231_z71eoohQAle9" title="Held-to-maturity, number of securities, fair value less than amortized cost">42</span> securities held-to-maturity at December 31, 2023.</span></p> <p id="xdx_892_eus-gaap--MarketableSecuritiesTextBlock_z0aIZ8LYxCSg" style="font: 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_8B7_ziSVV23MY9Xg">The following tables summarize the amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024 and December 31, 2023</span>, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive loss on securities available-for-sale. The Company did not record an allowance for credit losses on its securities held-to-maturity portfolio as of December 31, 2024 and December 31, 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> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </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, 2024</td><td style="padding-bottom: 1pt; 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">Amortized Cost</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Gross Unrealized Gains</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Gross Unrealized Losses</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Securities available-for-sale:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">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; padding-left: 0.125in">Government-sponsored enterprise obligations</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zGABGF4TAJIe" style="width: 10%; text-align: right" title="Available-for-sale securities, amortized cost">19,424</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zd7VcPCl0x63" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1226">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zMGGZgiPDwYi" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized losses">(2,966</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--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zfVHP120DkG2" style="width: 10%; text-align: right" title="Available-for-sale securities, at fair value">16,458</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; padding-left: 0.125in">Corporate bonds</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zfQaqoXDZUMc" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">5,000</td><td style="padding-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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zAp1YQi2Q6l2" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1234">—</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_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zO79V5QuCIEj" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(390</td><td style="padding-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--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_z2l4AlRzDq9f" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">4,610</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; padding-left: 0.25in">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_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zUMolcDAKwyd" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">24,424</td><td style="padding-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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zJBAIHFPezY9" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1242">—</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_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zdQUfYXh61Dc" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(3,356</td><td style="padding-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--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z2Q0dsbJSmld" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">21,068</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: right"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">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; padding-left: 0.125in">Government-sponsored mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_znK8DlMR8ulj" style="text-align: right" title="Available-for-sale securities, amortized cost">161,313</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zvJiwhTGGGpe" style="text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1250">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zxJKXFYqUAw9" style="text-align: right" title="Available-for-sale securities, gross unrealized losses">(26,535</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zgzK9H34jpTi" style="text-align: right" title="Available-for-sale securities, at fair value">134,778</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; padding-left: 0.125in">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_987_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zMU9WfbRPxQ8" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">6,203</td><td style="padding-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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zyITi2CextGh" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1258">—</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_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zuERwT9SEZWf" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(1,345</td><td style="padding-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_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zVukJLi7djW7" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">4,858</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; padding-left: 0.25in">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_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z5Zb6mTWkar6" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">167,516</td><td style="padding-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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z3dawZ49Ve5l" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1266">—</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_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_ztGueuVBvX44" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(27,880</td><td style="padding-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--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zQPnZxqVErT6" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">139,636</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0.375in">Total securities available-for-sale</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_maAmortCost_c20241231_zXj1BWPEFwXk" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">191,940</td><td style="padding-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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_maUnrealGain_c20241231_zVHCcDZ14VOb" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1274">—</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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_maUnrealLoss_c20241231_zFixApOGt2mh" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(31,236</td><td style="padding-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_maFairVal_c20241231_zUOGej2kfpDh" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">160,704</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">Securities 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></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">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: White"> <td style="text-align: left; padding-left: 0.125in">U.S. Treasury securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zN0yTX5okaKc" style="text-align: right">5,002</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zaoVKb4QcAf" style="text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1281">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z2jpfeCYyWS3" style="text-align: right">(275</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zs35jSMSRUi4" style="text-align: right">4,727</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; padding-left: 0.125in">U.S. government guaranteed obligations</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_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zI102kQTVdF2" style="border-bottom: Black 1pt solid; text-align: right">1,064</td><td style="padding-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_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zeDfmxmXJfd3" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1286">—</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_98E_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zrqjl1AWmN06" 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_987_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zBaseCjD3EO2" style="border-bottom: Black 1pt solid; text-align: right">1,061</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; padding-left: 0.25in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zJAmidbWnM83" style="border-bottom: Black 1pt solid; text-align: right">6,066</td><td style="padding-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_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zfxULoEtLZy" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1291">—</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--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zJK8YT67kGL5" 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 id="xdx_984_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zf4kxxexSlsl" style="border-bottom: Black 1pt solid; text-align: right">5,788</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">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; padding-left: 0.125in">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_98D_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z3jEF6ZqRJVa" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">198,970</td><td style="padding-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--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zj17tyY45Ira" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">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_989_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zUPsbqP11jD4" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(39,165</td><td style="padding-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--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zYHNQi32Rcbi" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">159,818</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; padding-left: 0.125in">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_983_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zj9rNlvPOrqc" style="border-bottom: Black 1pt solid; text-align: right">198,970</td><td style="padding-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_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zABUsyzqhUB4" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">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_98E_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_znMqHSMImybd" style="border-bottom: Black 1pt solid; text-align: right">(39,165</td><td style="padding-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_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zadSUG4xljvf" style="border-bottom: Black 1pt solid; text-align: right">159,818</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0.375in">Total securities held-to-maturity</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_maAmortCost_c20241231_zAoAkhn328mf" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">205,036</td><td style="padding-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--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_maUnrealGain_c20241231_zymow4UH1W2f" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">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_98D_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_maUnrealLoss_c20241231_z89o9ZmmXy4i" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(39,443</td><td style="padding-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_maFairVal_c20241231_zPsSkyLD3tQ9" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">165,606</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-bottom: 2.5pt; padding-left: 0.25in"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt -0.25in; text-indent: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</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_982_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss_iTI_pn3n3_mtAmortCost_c20241231_zsTaBQdIMV81" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, amortized cost">396,976</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain_iTI_pn3n3_mtUnrealGain_c20241231_zkShd6f0pgc9" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized gains">13</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss_iNTI_pn3n3_di_mtUnrealLoss_c20241231_zUjqu3mwVFad" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized losses">(70,679</td><td style="padding-bottom: 2.5pt; 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_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iTI_pn3n3_mtFairVal_c20241231_zD9Pa5VRtBVf" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, fair value">326,310</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <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="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, 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">Amortized Cost</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Gross Unrealized Gains</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Gross Unrealized Losses</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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="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">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Securities available-for-sale:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">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; padding-left: 0.25in; text-indent: -0.125in">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_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zZyMvK8jFkj3" style="width: 10%; text-align: right" title="Available-for-sale securities, amortized cost">14,924</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zEJqZ2DRN875" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1326">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zFKoDTy2Wjhl" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized losses">(2,898</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_98F_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zHBYIG1crqRg" style="width: 10%; text-align: right" title="Available-for-sale securities, at fair value">12,026</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.25in; text-indent: -0.125in">State and municipal bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z5saY9K2yph1" style="text-align: right" title="Available-for-sale securities, amortized cost">135</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zFJaiteyJ2va" style="text-align: right" title="Available-for-sale securities, gross unrealized gains"><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_98C_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zA1Jxd2j8Yz3" style="text-align: right" title="Available-for-sale securities, gross unrealized losses"><span style="-sec-ix-hidden: xdx2ixbrl1336">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z4c5mSpglyTd" style="text-align: right" title="Available-for-sale securities, at fair value">135</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; padding-left: 0.25in; text-indent: -0.125in">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_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zFuWTfnMUrGd" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">8,000</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zCa974WJ04a6" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1342">—</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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_z9G82kc8k5Ra" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(1,038</td><td style="padding-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--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_z5tNGpe2jOu2" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">6,962</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; padding-left: 0.375in; text-indent: -0.125in">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--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_ztMzpHYEZFii" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">23,059</td><td style="padding-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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zrN2BssxRJLb" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1350">—</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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zS4idiDy4X79" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(3,936</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zbEuvSQZLzgg" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">19,123</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; 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></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -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-left: 0.25in; text-indent: -0.125in">Government-sponsored mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z31vr3z2Mb23" style="text-align: right" title="Available-for-sale securities, amortized cost">136,533</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zvNKphWcqBre" style="text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1358">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zBOc5tmddHJ4" style="text-align: right" title="Available-for-sale securities, gross unrealized losses">(23,976</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zmAGD9z3mE63" style="text-align: right" title="Available-for-sale securities, at fair value">112,557</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.25in; text-indent: -0.125in">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_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z5BpVaZZldg1" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">6,689</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zntEkaD3PwB8" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1366">—</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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zVwmZXd1W5Oh" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(1,254</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zyY7fLiV1Bfa" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">5,435</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; padding-left: 0.375in; text-indent: -0.125in">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_982_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zcJysycHWl0g" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">143,222</td><td style="padding-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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zRMVdcOKqjD4" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1374">—</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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zWDUgBZsoBRh" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(25,230</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z82JGwjHJ1La" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">117,992</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-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></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.5in; text-indent: -0.125in">Total securities available-for-sale</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_maAmortCost_c20231231_zbFVSaUOg5S9" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">166,281</td><td style="padding-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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_maUnrealGain_c20231231_zAqAei0lEsc5" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1382">—</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--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_maUnrealLoss_c20231231_zAUpjN3tSo7a" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(29,166</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 id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_maFairVal_c20231231_zF0X557nJOAi" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">137,115</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold"> </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; background-color: rgb(204,238,255)"> <td style="font-weight: bold">Securities held-to-maturity:</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; background-color: White"> <td>Debt securities:</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" 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: 1pt; padding-left: 0.125in">U.S. Treasury securities</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_986_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zIJfYAGEuSx8" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">9,995</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_98F_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zBcD0cBcfS0j" style="border-bottom: Black 1pt solid; width: 10%; text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1389">—</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 id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zbRwWR2U1OW3" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">(545</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_98F_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z6i8UQCBkOj3" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">9,450</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Total debt 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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zRVoKsnozirh" style="border-bottom: Black 1pt solid; text-align: right">9,995</td><td style="padding-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--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zKHemKG1wsJ4" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1394">—</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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zNJtU5lLS1w9" style="border-bottom: Black 1pt solid; text-align: right">(545</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zlnzSocTgyfe" style="border-bottom: Black 1pt solid; text-align: right">9,450</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">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; padding-left: 0.125in">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_980_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zORPvkr9lit2" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">213,375</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z0l2kSjhZUP1" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">107</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zQX4u69cOxne" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(35,240</td><td style="padding-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--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zP6fXprjkftk" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">178,242</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; padding-left: 0.25in">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_985_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zfWGs6nFOw33" style="border-bottom: Black 1pt solid; text-align: right">213,375</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zqi500hhXNX3" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">107</td><td style="padding-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_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zpAOZx2szs9l" style="border-bottom: Black 1pt solid; text-align: right">(35,240</td><td style="padding-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--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z2HLhbMMzo5i" style="border-bottom: Black 1pt solid; text-align: right">178,242</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0.375in"> Total securities held-to-maturity</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_maAmortCost_c20231231_z628Tlj8Ko8f" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">223,370</td><td style="padding-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--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_maUnrealGain_c20231231_zXLV1l18UlW9" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">107</td><td style="padding-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_maUnrealLoss_c20231231_zw0SKVvCmXA7" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(35,785</td><td style="padding-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_maFairVal_c20231231_z0YgBD25Rxi2" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">187,692</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-bottom: 2.5pt"><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>Total </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_98A_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss_iTI_pn3n3_mtAmortCost_c20231231_zb6QmMA511ze" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, amortized cost">389,651</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain_iTI_pn3n3_mtUnrealGain_c20231231_zmzqjsCbtpr3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized gains">107</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss_iNTI_pn3n3_di_mtUnrealLoss_c20231231_zvJzJNUMenih" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized losses">(64,951</td><td style="padding-bottom: 2.5pt; 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--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iTI_pn3n3_mtFairVal_c20231231_zCTmjL41lTjd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, fair value">324,807</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 19424000 2966000 16458000 5000000 390000 4610000 24424000 3356000 21068000 161313000 26535000 134778000 6203000 1345000 4858000 167516000 27880000 139636000 191940000 31236000 160704000 5002000 275000 4727000 1064000 3000 1061000 6066000 278000 5788000 198970000 13000 39165000 159818000 198970000 13000 39165000 159818000 205036000 13000 39443000 165606000 396976000 13000 70679000 326310000 14924000 2898000 12026000 135000 135000 8000000 1038000 6962000 23059000 3936000 19123000 136533000 23976000 112557000 6689000 1254000 5435000 143222000 25230000 117992000 166281000 29166000 137115000 9995000 545000 9450000 9995000 545000 9450000 213375000 107000 35240000 178242000 213375000 107000 35240000 178242000 223370000 107000 35785000 187692000 389651000 107000 64951000 324807000 <p id="xdx_89F_eus-gaap--InvestmentsInDebtAndEquityInstrumentsCashAndCashEquivalentsUnrealizedAndRealizedGainsLossesTextBlock_z0LDkq3AfRLf" 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_zuxC4iz91Iqh">The following table presents the unrealized gains (losses) recognized on marketable equity securities for the years 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-align: center; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49B_20240101__20241231_zuz8HUF1c5E9" 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_491_20230101__20231231_zxJ42dUM8hZf" 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_495_20220101__20221231_z2sc4aQyWCej" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; 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">Years Ended December 31,</td><td style="padding-bottom: 1pt; 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">2024</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> </td><td> </td> <td colspan="10" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_403_eus-gaap--EquitySecuritiesFvNiUnrealizedGainLoss_pn3n3_maESFNGzfsj_zb1ok2j7qgfa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 61%; text-align: left">Net gains (losses) recognized during the year on marketable equity securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">13</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">(1</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">(717</td><td style="width: 1%; text-align: left">)</td></tr> <tr id="xdx_408_eus-gaap--EquitySecuritiesFvNiRealizedGainLoss_pn3n3_maESFNGzfsj_zibIBZYUEVDk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Net losses recognized during the year on equity securities sold during the year</td><td style="padding-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: xdx2ixbrl1434">—</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: xdx2ixbrl1435">—</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">1,021</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--EquitySecuritiesFvNiGainLoss_iT_pn3n3_mtESFNGzfsj_zIXHehlW6JKb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Unrealized gain (loss) recognized during the year on marketable equity securities still held at year end</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">13</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(1</td><td style="padding-bottom: 2.5pt; 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">304</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 13000 -1000 -717000 1021000 13000 -1000 304000 6300000 397000 196000 4700000 7900000 157400000 <p id="xdx_894_eus-gaap--InvestmentsClassifiedByContractualMaturityDateTableTextBlock_z5ZLmCzkfO05" style="font: 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_zQBCCgGawbD8">The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2024, 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></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> </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> </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> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">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: 12.6pt; padding-left: -0.125in">Due after one year through five years</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_iI_pn3n3_maAvailAmort_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zMR1GpWNba5k" style="width: 10%; text-align: right" title="Available-for-sale securities, due after one year through five years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1456">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_maAvailFV_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zeNTLUo44ed" style="width: 10%; text-align: right" title="Available-for-sale securities, due after one year through five years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1458">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost_iI_pn3n3_maHeldAmort_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zZ6CeWvhCvVi" style="width: 10%; text-align: right" title="Held-to-maturity securities, due after one year through five years, amortized cost">5,002</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--HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_maHeldFV_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zz2tPqf5ctef" style="width: 10%; text-align: right" title="Held-to-maturity securities, due after one year through five years, fair value">4,727</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: 12.75pt; padding-left: 0in">Due after five years through ten years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_iI_pn3n3_maAvailAmort_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zz2QILyMvS5f" style="text-align: right" title="Available-for-sale securities, due after five years through ten years, amortized cost">22,427</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_maAvailFV_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z0Tih2nw6n5h" style="text-align: right" title="Available-for-sale securities, due after five years through ten years, fair value">19,076</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost_iI_pn3n3_maHeldAmort_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zZdZnv0WWmg8" style="text-align: right" title="Held-to-maturity securities, due after five years through ten years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1468">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_maHeldFV_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zZzSw882fDW3" style="text-align: right" title="Held-to-maturity securities, due after five years through ten years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1470">—</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; padding-bottom: 1pt; text-indent: 12.75pt; padding-left: 0in">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_982_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_iI_pn3n3_maAvailAmort_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zekw0Oc1ZMQ" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, due after ten years, amortized cost">1,997</td><td style="padding-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--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_iI_pn3n3_maAvailFV_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zRgO9oYVY11b" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, due after ten years, fair value">1,992</td><td style="padding-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--HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsAmortizedCost_iI_pn3n3_maHeldAmort_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zWpCDbWqQ6S" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, due after ten years, amortized cost">1,064</td><td style="padding-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_maHeldFV_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zBilFB0DisX5" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, due after ten years, fair value">1,061</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: 17.1pt; padding-left: 0.125in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_mtAvailAmort_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zDcahjj83Ka7" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost, available for sale">24,424</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_pn3n3_mtAvailFV_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zWIsSezh1qF7" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value, available for sale">21,068</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98C_eus-gaap--HeldToMaturitySecurities_iTI_pn3n3_mtHeldAmort_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zV44oWpC2Yn6" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost, held to maturity">6,066</td><td style="padding-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--HeldToMaturitySecuritiesFairValue_iTI_pn3n3_mtHeldFV_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zNtvpW2Tnd5e" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value, held to maturity">5,788</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> </table> <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> </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> </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> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">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="width: 48%; text-align: left; padding-left: 0.125in">Due after one year through five years</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zZ0R4zHibRe8" style="width: 10%; text-align: right">843</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zkAnID9iJbhe" style="width: 10%; text-align: right">820</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z4EdGdhA9RGg" style="width: 10%; 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_98A_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zgy9QsQMoVDg" style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1490">—</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">Due after five years through ten years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zE0JVyDFcWY1" style="text-align: right">2,807</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zVifrpvsq5O5" style="text-align: right">2,749</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zVU6ujgt9Tli" style="text-align: right">2,524</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z2RSf8wE8bk7" style="text-align: right">2,397</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; padding-left: 0.125in">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_981_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zXkPjpvHLKua" style="border-bottom: Black 1pt solid; text-align: right">163,866</td><td style="padding-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--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zlQYJhvG8TWe" style="border-bottom: Black 1pt solid; text-align: right">136,067</td><td style="padding-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_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zR1kbvcfOsw8" style="border-bottom: Black 1pt solid; text-align: right">196,446</td><td style="padding-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_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zJZ0cLFd2ioa" style="border-bottom: Black 1pt solid; text-align: right">157,421</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; padding-left: 0.125in">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_986_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zoUxAJ4qKgWi" style="border-bottom: Black 1pt solid; text-align: right">167,516</td><td style="padding-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_iTI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zsPHRYd22NW6" style="border-bottom: Black 1pt solid; text-align: right">139,636</td><td style="padding-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--HeldToMaturitySecurities_iTI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zhRBsrsuAsia" style="border-bottom: Black 1pt solid; text-align: right">198,970</td><td style="padding-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_iTI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zklTWBx6us4l" style="border-bottom: Black 1pt solid; text-align: right">159,818</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: 2.5pt">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_980_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_c20241231_zGXc4VP8b6tj" style="border-bottom: Black 2.5pt double; text-align: right">191,940</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_pn3n3_c20241231_zKYDf5LZyLdd" style="border-bottom: Black 2.5pt double; text-align: right">160,704</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--HeldToMaturitySecurities_iTI_pn3n3_c20241231_zXOlztSXtAh5" style="border-bottom: Black 2.5pt double; text-align: right">205,036</td><td style="padding-bottom: 2.5pt; 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--HeldToMaturitySecuritiesFairValue_iTI_pn3n3_c20241231_z41iboqMWvG8" style="border-bottom: Black 2.5pt double; text-align: right">165,606</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 5002000 4727000 22427000 19076000 1997000 1992000 1064000 1061000 24424000 21068000 6066000 5788000 843000 820000 2807000 2749000 2524000 2397000 163866000 136067000 196446000 157421000 167516000 139636000 198970000 159818000 191940000 160704000 205036000 165606000 4000 20000 472000 333000 123000 178000 1 2 430000 454000 <p id="xdx_892_eus-gaap--UnrealizedGainLossOnInvestmentsTableTextBlock_zXcsNSOdNyZ4" style="font: 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_zf5VANKSTu3c">The following tables summarize the gross unrealized losses and fair value of the Company’s securities available-for-sale and held-to-maturity, segregated by the duration of their continuous unrealized loss positions at December 31, 2024 and 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; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="30" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">Less Than Twelve Months</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">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"> </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">Number of Securities</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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="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">Gross Unrealized Loss</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Depreciation from Amortized Cost Basis (%)</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">Number of Securities</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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="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">Gross Unrealized Loss</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Depreciation from Amortized Cost Basis (%)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in"> </td><td> </td> <td colspan="30" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0in">Securities available-for-sale:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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="width: 28%; text-align: left; padding-left: 0.125in">Government-sponsored mortgage-backed securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z8BYnaVchAD5" style="width: 6%; text-align: right">9</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--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zrYqb9Fg1zy" style="width: 6%; text-align: right">33,145</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zSemh0vEaBzk" style="width: 6%; text-align: right">584</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_982_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zpiYZnZG0PIg" style="width: 6%; text-align: right">1.7</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zPGbxrpLsaqi" style="width: 6%; text-align: right">70</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zzf6RPtOupQc" style="width: 6%; text-align: right">99,529</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--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zrAbsgrdwwa9" style="width: 6%; text-align: right">25,951</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_98F_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zrbUMQlbz9md" style="width: 6%; text-align: right">20.7</td><td style="width: 1%; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">U.S. government guaranteed mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zexxS68E34Kl" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1538">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zwehYck58bmf" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1539">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zr21sludOlOb" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1540">—</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_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zOPBij5S9N54" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1541">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zzhT4w7JM8cl" style="text-align: right">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zzu9ivHiMlVi" style="text-align: right">4,858</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zmEOL4cXw0C5" style="text-align: right">1,345</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zz8j4HfIs9ni" style="text-align: right">21.7</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">Government-sponsored enterprise obligations</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zOazP8j4fDsi" style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zaiWlEfv2e5g" style="text-align: right">4,452</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zthE8C8haWZ6" style="text-align: right">19</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_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zPJsC6cOFhRf" style="text-align: right">0.4</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_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zGggphtC6nz6" style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zSH9Cb3A2v8d" style="text-align: right">11,988</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zEvoCOOXKtGa" style="text-align: right">2,947</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_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zLGej3uJnGG" style="text-align: right">19.7</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Corporate bonds</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zaEg20wt4Nh6" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1554">—</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zUKcUu8I0cu5" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1555">—</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zcgSvpYHjWEl" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1556">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zvyhk5bsEEf4" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1557">—</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--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zJlStsBDbLYk" style="border-bottom: Black 1pt solid; text-align: right">2</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_z5j21XEdpNt2" style="border-bottom: Black 1pt solid; text-align: right">4,610</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zzGANnk1yMq9" style="border-bottom: Black 1pt solid; text-align: right">390</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20241231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zOHIUvOWwtJf" style="text-align: right">7.8</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; padding-left: 0in">Total securities available-for-sale</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20241231_zAGEZcS9gxU3" style="border-bottom: Black 1pt solid; text-align: right">12</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_maFV_c20241231_zT5v8Somnq9i" style="border-bottom: Black 1pt solid; text-align: right">37,597</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_maGUL_c20241231_zqSjwLYIPoh5" style="border-bottom: Black 1pt solid; text-align: right">603</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="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_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20241231_z6khHLrXC6E4" style="border-bottom: Black 1pt solid; text-align: right">84</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_maFV2_c20241231_zktMvo5nlXda" style="border-bottom: Black 1pt solid; text-align: right">120,985</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_maGUL2_c20241231_zEhKUe66FrH8" style="border-bottom: Black 1pt solid; text-align: right">30,633</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="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="padding-left: 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><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: White"> <td style="font-weight: bold; padding-left: 0in">Securities held-to-maturity:</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; padding-left: 0.125in">U.S. Treasury securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 6%; 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 style="width: 6%; 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 style="width: 6%; 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 style="width: 6%; 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_98C_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zRNIGnYRpiL" style="width: 6%; text-align: right">1</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--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zA7yieKzLTA5" style="width: 6%; text-align: right">4,727</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--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zZt199reqOzh" style="width: 6%; text-align: right">275</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--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20241231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zRA1orfPuwKl" style="width: 6%; text-align: right">5.5</td><td style="width: 1%; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">U.S. government guaranteed obligations</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zfMJwXuovaWc" style="text-align: right">1</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zdeSsR0yhsD9" style="text-align: right">1,061</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zvgrvSIm3Ylc" style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="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; padding-left: 0.125in">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_98E_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zWT4s4enga0d" style="border-bottom: Black 1pt solid; text-align: right">4</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z2VL7CKj19d" style="border-bottom: Black 1pt solid; text-align: right">9,187</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zLZH16YJKxQ9" style="border-bottom: Black 1pt solid; text-align: right">127</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zz9PBK9fRwr5" style="text-align: right">1.4</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 id="xdx_987_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zJCCmOdSxaA2" style="border-bottom: Black 1pt solid; text-align: right">37</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zfZ9uyVxdFui" style="border-bottom: Black 1pt solid; text-align: right">148,992</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_ztNTfCN1FGZa" style="border-bottom: Black 1pt solid; text-align: right">39,038</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20241231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zHoyR1q9TjJa" style="text-align: right" title="Held-to-maturity, over 12 months, depreciation from amortized cost basis (%)">20.8</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; padding-left: 0in">Total securities held-to-maturity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20241231_zOQyLUpizJ7l" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, number of securities">5</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_maFV_c20241231_zCJBsWr3gL85" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, fair value">10,248</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_maGUL_c20241231_z1aYqcRmKt3j" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, gross unrealized loss">130</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="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_987_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20241231_z6xVVB3Upv75" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, number of securities">38</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_maFV2_c20241231_zuDZRdpeS6N7" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, fair value">153,719</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_maGUL2_c20241231_zr1mD2YuUIc3" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, gross unrealized loss">39,313</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="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="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="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">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_98E_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iTI_pip0_uNumber_mtNOS_c20241231_zzqnfxOCDbed" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, number of securities">17</td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12Months_iTI_pn3n3_mtFV_c20241231_znHWyZarUI0l" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, fair value">47,845</td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iTI_pn3n3_mtGUL_c20241231_zmLBeiqUi1t6" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, gross unrealized loss">733</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_982_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iTI_pip0_uNumber_mtNOS2_c20241231_za9OXLLub5Tl" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, number of securities">122</td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger_iTI_pn3n3_mtFV2_c20241231_zF46PdZA8oh6" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, fair value">274,704</td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iTI_pn3n3_mtGUL2_c20241231_zfAsQZcJeaO4" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, gross unrealized loss">69,946</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 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="padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="30" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">Less Than Twelve Months</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">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"> </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">Number of Securities</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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="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">Gross Unrealized Loss</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Depreciation from Amortized Cost Basis (%)</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">Number of Securities</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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="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">Gross Unrealized Loss</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Depreciation from Amortized Cost Basis (%)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 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="font-weight: bold; text-align: left; padding-left: 0in">Securities available-for-sale:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 28%; text-align: left; padding-left: 0.125in">Government-sponsored mortgage-backed securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zKpbmLOl4kh9" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1609">—</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_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_ziQxNlTM7tk8" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1610">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zqCJGJkNYmJc" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1611">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z9SMe7TVayA" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1612">—</span></td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zYJkiQ597KBa" style="width: 6%; text-align: right">70</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zoYfUqxHv0S2" style="width: 6%; text-align: right">112,557</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--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z6ulIQPrN8ed" style="width: 6%; text-align: right">23,976</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_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zi5T8eNvxR33" style="width: 6%; text-align: right">17.6</td><td style="width: 1%; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">U.S. government guaranteed mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z30Gq6vizTC6" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1617">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z3XgMOrYsuUh" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1618">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z4kA9bUiWJyj" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1619">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_za58tD1NTxO3" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1620">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zxfX3hJ9ACT3" style="text-align: right">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_znUhv7iIqLOj" style="text-align: right">5,435</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zwQUpp6pQUQd" style="text-align: right">1,254</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zpE9yG6Ussc3" style="text-align: right">18.7</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">Government-sponsored enterprise obligations</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zDRtVQhljvki" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1625">—</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_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z391Z89ouHQ9" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1626">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zbZ8ynT1GIBi" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1627">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z7le7n7nxWya" style="text-align: right" title="Available-for-sale, less than 12 months, depreciation from amortized cost basis (%)"><span style="-sec-ix-hidden: xdx2ixbrl1629">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zH8iLdX8AwY8" style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z2XoqdBzOa3d" style="text-align: right">12,026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zoljiYc3EiYc" style="text-align: right">2,898</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zxRzi0dKadni" style="text-align: right" title="Available-for-sale, over 12 months, depreciation from amortized cost basis (%)">19.4</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Corporate bonds</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zaX8z3jYOM2d" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1635">—</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zpPPXpm11V8l" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1636">—</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_z4UYwWowR5Nb" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1637">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_z2xA0jA7wuM1" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1638">—</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--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_z5fPxRbr8h8f" style="border-bottom: Black 1pt solid; text-align: right">3</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zjNeak7U8uM4" style="border-bottom: Black 1pt solid; text-align: right">6,962</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zOpMd5YQ20Ja" style="border-bottom: Black 1pt solid; text-align: right">1,038</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zSJbGcDArCv9" style="text-align: right">13.0</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; padding-left: 0in">Total securities available-for-sale</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20231231_zQRj5jr0n2cc" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, number of securities"><span style="-sec-ix-hidden: xdx2ixbrl1644">—</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231_zLg8A2Y0mC9h" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1646">—</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231_zvQm1DyS0JJ" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, gross unrealized loss"><span style="-sec-ix-hidden: xdx2ixbrl1648">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="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_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231_z0WH34tjNo92" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, number of securities">85</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20231231_zXmUYtomJQul" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, fair value">136,980</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20231231_zvGOEdWe3IOd" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, gross unrealized loss">29,166</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </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"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0in">Securities 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; padding-left: 0.125in">U.S. Treasury 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><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zAmtBmjVRzZ7" style="text-align: right">2</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zvuRLqtMqnO4" style="text-align: right">9,450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z1VNFf8Z7b74" style="text-align: right">545</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zmtT2t1AvJ39" style="text-align: right">5.5</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; padding-left: 0.125in">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_98F_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zS0oOhXy3zjg" style="border-bottom: Black 1pt solid; text-align: right">4</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zsQ4DEZTebBf" style="border-bottom: Black 1pt solid; text-align: right">7,097</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_znoorPQRaWy6" style="border-bottom: Black 1pt solid; text-align: right">56</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z3BwUtotgXd8" style="text-align: right" title="Held-to-maturity, less than 12 months, depreciation from amortized cost basis (%)">0.8</td><td style="padding-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_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zz3y6LapoQ05" style="border-bottom: Black 1pt solid; text-align: right">36</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z08GxdjNk6W7" style="border-bottom: Black 1pt solid; text-align: right">164,395</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zlxcOFH8woP2" style="border-bottom: Black 1pt solid; text-align: right">35,184</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zi9T79nEj0Rj" style="text-align: right" title="Held-to-maturity, over 12 months, depreciation from amortized cost basis (%)">17.6</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; padding-left: 0in">Total securities held-to-maturity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20231231_zz8E1Ph0sF8g" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, number of securities">4</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20231231_zdVn4qgUA2Ud" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, fair value">7,097</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231_zGk2AK8SfjNf" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, gross unrealized loss">56</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="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_987_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231_zRHyzSo63Vod" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, number of securities">38</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20231231_zLOOXZKjVjO9" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, fair value">173,845</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20231231_z6sf1MeF4mVl" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, gross unrealized loss">35,729</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="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="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="font-weight: bold; text-align: left; padding-left: 0in">Total securities</td><td> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98C_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iTI_pip0_uNumber_c20231231_zzZClA1v4F27" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, number of securities">4</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--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12Months_iTI_pn3n3_c20231231_zLgvwZLFucGg" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, fair value">7,097</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">$</td><td id="xdx_98B_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iTI_pn3n3_c20231231_zIhenZJOWv4f" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, gross unrealized loss">56</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_989_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iTI_pip0_uNumber_c20231231_zvbIZMiutpU" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, number of securities">123</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger_iTI_pn3n3_c20231231_z5Lzz8Tgmjp8" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, fair value">310,825</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--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iTI_pn3n3_c20231231_zMgF8yJe27u3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, gross unrealized loss">64,895</td><td style="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> 9 33145000 584000 0.017 70 99529000 25951000 0.207 9 4858000 1345000 0.217 3 4452000 19000 0.004 3 11988000 2947000 0.197 2 4610000 390000 0.078 12 37597000 603000 84 120985000 30633000 1 4727000 275000 0.055 1 1061000 3000 4 9187000 127000 0.014 37 148992000 39038000 0.208 5 10248000 130000 38 153719000 39313000 17 47845000 733000 122 274704000 69946000 70 112557000 23976000 0.176 9 5435000 1254000 0.187 3 12026000 2898000 0.194 3 6962000 1038000 0.130 85 136980000 29166000 2 9450000 545000 0.055 4 7097000 56000 0.008 36 164395000 35184000 0.176 4 7097000 56000 38 173845000 35729000 4 7097000 56000 123 310825000 64895000 31200000 0.162 29200000 0.175 96 85 39400000 0.192 35700000 0.160 43 42 <p id="xdx_802_eus-gaap--LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_z3okSnTLEyg4" 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-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>3.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_825_z9t1bqRl4y84">LOANS AND ALLOWANCE FOR CREDIT LOSSES</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"> </span></p> <p id="xdx_89A_eus-gaap--ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_z7s77VVa24o9" 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_8BD_zJ0dXs9oy2Xa">The following table presents the summary of the loan portfolio by the major classification of the loan at the periods 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: 96%; margin-left: 0.25in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_497_20241231_zS9S0Ljeldsk" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_491_20231231_zQIfGAgIHRz7" style="font-weight: bold; text-align: center">December 31,</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">2024</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></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">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 id="xdx_405_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateNonOwnerOccupiedMember_zg6fSkfVtjD" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; text-align: left; padding-left: 0.125in">Non-owner occupied</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">880,828</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">881,643</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOwnerOccupiedMember_zOb2TJjeems7" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Owner occupied</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">194,904</td><td style="padding-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">198,108</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zIMmzqRBi27c" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.25in">Total commercial real estate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,075,732</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,079,751</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">Residential real estate: <br/></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_zkCmLPV5E7ee" style="vertical-align: bottom; background-color: White"> <td style="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">653,802</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">612,315</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_z02fzxi45w7f" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">121,857</td><td style="padding-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">109,839</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_znUF1mOUth84" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.25in"> Total residential real estate</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">775,659</td><td style="padding-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">722,154</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_409_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z9xMfxR5BtYj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">211,656</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">217,447</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_z3U3hBS9XAOf" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">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">4,391</td><td style="padding-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">5,472</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_maFREAIzwLv_zs5qIC6BcTFd" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Total gross loans</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,067,438</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,024,824</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--FinancingReceivableUnamortizedPurchasePremiumDiscount_iI_pn3n3_maFREAIzwLv_zXGES6V0v7Oj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Plus: Unearned premiums and deferred loan fees and costs, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,751</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,493</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iNI_pn3n3_di_msFREAIzwLv_zPtoiMp6iYy1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less: Allowance 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">(19,529</td><td style="padding-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">(20,267</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_401_eus-gaap--FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_iTI_pn3n3_mtFREAIzwLv_zdI8NL17rQr5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Net 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">2,050,660</td><td style="padding-bottom: 2.5pt; 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">2,007,050</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A1_zfwKkOc9Au2" 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">Lending activities primarily consist of commercial real estate loans, commercial and industrial loans, residential real estate loans, and to a lesser degree, consumer 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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans Pledged as Collateral. </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">At December 31, 2024 and December 31, 2023, the carrying value of eligible loans pledged as collateral to support borrowing capacity at the FHLB were $<span id="xdx_900_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_iI_pn5n6_c20241231__us-gaap--PledgedStatusAxis__us-gaap--AssetPledgedAsCollateralMember__us-gaap--PledgingPurposeAxis__us-gaap--FederalHomeLoanBankAdvancesMember_zTkK5zj7pMGa" title="Total Loans">906</span>.0 million and <span id="xdx_90D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_iI_pn5n6_c20231231__us-gaap--PledgedStatusAxis__us-gaap--AssetPledgedAsCollateralMember__us-gaap--PledgingPurposeAxis__us-gaap--FederalHomeLoanBankAdvancesMember_z5agtEwgV9jj" title="Total Loans">$941.2</span> million, respectively. The outstanding balance of FHLB advances was $<span id="xdx_90B_eus-gaap--AdvancesFromFederalHomeLoanBanks_iI_pn5n6_c20241231_zftHkq3d7uK7" title="FHLB advances">98</span>.0 million and <span id="xdx_907_eus-gaap--AdvancesFromFederalHomeLoanBanks_iI_pn5n6_c20231231_zo2HeSIugIuc" title="FHLB advances">$40.6</span> million at December 31, 2024 and December 31, 2023, 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">At December 31, 2024, the carrying value of eligible loans pledged as collateral to support borrowing capacity at the Federal Reserve Bank (“FRB”) was $<span id="xdx_905_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_iI_pn5n6_c20241231__us-gaap--PledgedStatusAxis__us-gaap--AssetPledgedAsCollateralMember__us-gaap--PledgingPurposeAxis__us-gaap--FederalReserveBankAdvancesMember_zvojiMIKMovj" title="Total Loans">377</span>.0 million. There were no loans pledged to secure borrowing capacity at the FRB at December 31, 2023. There were no funds borrowed from the FRB backed by loans outstanding or securities pledged at December 31, 2024 or December 31, 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"><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"><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 December 31, 2024 and December 31, 2023, the Company was servicing commercial loans participated out to various other institutions totaling $<span id="xdx_905_ecustom--ServicedLoansForParticipants_iI_pn5n6_c20241231_zqkP4wHBVeWa" title="Serviced commercial loans for participants">65.3</span> million and $<span id="xdx_90B_ecustom--ServicedLoansForParticipants_iI_pn5n6_c20231231_zTjMItOmJn39" title="Serviced commercial loans for participants">65</span>.0 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 December 31, 2024, include weighted average prepayment speed for the portfolio using the Public Securities Association Standard Prepayment Model (<span id="xdx_90F_ecustom--WeightedAveragePrepaymentSpeedPublicSecuritiesAssociationStandardPrepaymentModel_pid_dp_uPure_c20240101__20241231_z0PGzhWVc3K3" title="Weighted average prepayment speed, PSA">141</span> PSA), average internal rate of return (<span id="xdx_904_ecustom--WeightedAverageInternalRateOfReturnPercentage_pid_dp_uPure_c20240101__20241231_zT6znDvemvzk" title="Weighted average internal rate of return">10.01</span>%), weighted average servicing fee (<span id="xdx_909_ecustom--WeightedAverageServicingFeePercentage_pid_dp_uPure_c20240101__20241231_z2B1BHsB6uHh" title="Weighted average servicing fee percentage">0.25</span>%), and average cost to service loans ($<span id="xdx_903_ecustom--NetCostToServiceLoans_uUSDPerLoan_c20240101__20241231_zeSPSe3dBpFg" title="Net cost to service loans">83.31</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 year ended December 31, 2024, the Company sold $<span id="xdx_904_eus-gaap--ProceedsFromSaleOfMortgageLoansHeldForSale_pn5n6_c20240101__20241231_zVrjeo8o4XI5" title="Sale of residential real estate mortgages">20.1</span> million in residential real estate mortgages with servicing retained and recorded gains on the sale of mortgages of <span id="xdx_909_eus-gaap--GainLossOnSaleOfMortgageLoans_pn3p0_c20240101__20241231_zS4Ll2VeJWed" title="Gains on the sale of mortgages">$235,000</span> within non-interest income. There were no sales of residential real estate mortgages to the secondary market during the year ended December 31, 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: 10pt Times New Roman, Times, Serif"></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 December 31, 2024 and December 31, 2023, the Company was servicing residential mortgage loans owned by investors totaling <span id="xdx_901_ecustom--MortgageLoansServicedThirdPartyAtPeriodEnd_iI_pn5n6_c20241231_zJnk1WB5De03" title="Mortgage loans serviced for others">$84.8</span> million and <span id="xdx_909_ecustom--MortgageLoansServicedThirdPartyAtPeriodEnd_iI_pn5n6_c20231231_zy0mdWrkDfvd" title="Mortgage loans serviced for others">$72.7</span> million, respectively. Servicing fee income of <span id="xdx_900_ecustom--ServiceFeesIncome_pn3p0_c20240101__20241231_zkUBnzn3rknk" title="Servicing fee income">$189,000</span> and <span id="xdx_902_ecustom--ServiceFeesIncome_pn3p0_c20230101__20231231_zkoridzv8kb7" title="Servicing fee income">$191,000</span> was recorded for the years ended December 31, 2024 and 2023, 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_899_eus-gaap--ScheduleOfServicingAssetsAtAmortizedValueTextBlock_zIoY3Ho5hqQd" style="font: 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_zrJDz18ckkY8">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: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_497_20240101__20241231_zgWC9BoC0ERj" 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_20230101__20231231_z68sDp3ogMmd" 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"> </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">Years Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; 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">2024</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></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 0.125in"> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_407_eus-gaap--ServicingAssetAtAmortizedValue_iS_pn3n3_uUSD_zLnBb06OnbKh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; font-weight: bold; text-align: left; padding-left: 0in">Balance at the beginning of year:</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">422</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">550</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--ServicingAssetAtAmortizedValueAdditions_pn3n3_uUSD_zlDpTWNjnf4k" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">Capitalized mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">114</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1799">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--ServicingAssetAtAmortizedValueAmortization1_iN_pn3n3_di_uUSD_zCJIKimBONP4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0.125in">Amortization</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(100</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(128</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_409_eus-gaap--ServicingAssetAtAmortizedValue_iE_pn3n3_uUSD_z1a3ubbt3Juf" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Balance at the end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">436</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">422</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--ServicingAssetAtFairValueAmount_iE_pn3n3_uUSD_z0X4GjGUM7O3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Fair value at the end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">826</td><td style="padding-bottom: 2.5pt; 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">724</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A0_zVIZlpQO2e3c" 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">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>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. <span id="xdx_904_eus-gaap--FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_iI_dxL_c20241231_zA593JHArQki" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23InterestReceivable"><span style="-sec-ix-hidden: xdx2ixbrl1809">Accrued interest receivable</span></span> on loans held for investment was <span id="xdx_90F_eus-gaap--FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_iI_pn5n6_c20241231_zhpb80eNjAfc" title="Accrued interest receivable on loans held for investment">$7.4</span> million at December 31, 2024 and <span id="xdx_902_eus-gaap--FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_iI_pn5n6_c20231231_zeNbPB8ptobh" title="Accrued interest receivable on loans held for investment">$7.5</span> million at December 31, 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 id="xdx_892_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_zepqre7AsdQb" style="margin-top: 0; margin-bottom: 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"><span id="xdx_8BF_zvtyDFijYNR1">An analysis of changes in the allowance for credit losses for loans and off-balance sheet commitments by segment for the years ended December 31, 2024 and 2023 is as follows:</span></span></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="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_z1z7Ug1NMNRl" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial 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_ziUCg9Pdfvh5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential 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_zQCzQNwsDGp5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial 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_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_zZHBXM5juUj1" 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_zIXBkTTHTIV" 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_z9jvCOPEZ8Pc" 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"> </td><td> </td> <td colspan="22" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_43F_c20240701__20240930_eus-gaap--AllowanceForCreditLossAbstract_iB_pn3n3_zzoyRbFU6PV9" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; text-indent: -1.05pt; padding-left: 0in">Allowance for credit losses for loans</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: -1.05pt; padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_432_c20240101__20241231_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zVm32vtgvQY" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 34%; font-weight: bold; text-indent: -0.9pt; padding-left: 0in">Balance at December 31, 2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">15,141</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">2,548</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">2,537</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">41</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1829">—</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">20,267</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_431_c20240101__20241231_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zolF5DK6ySv1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Provision for (reversal of) for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,670</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">761</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(212</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">296</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: xdx2ixbrl1836">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(825</td><td style="text-align: left">)</td></tr> <tr id="xdx_43F_c20240101__20241231_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_zK9KaRVl5Och" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Charge-offs</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">(185</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(65</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(228</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: xdx2ixbrl1843">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(524</td><td style="text-align: left">)</td></tr> <tr id="xdx_439_c20240101__20241231_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zjpSgjin4pgl" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in">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">252</td><td style="padding-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><td style="padding-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</td><td style="padding-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">110</td><td style="padding-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: xdx2ixbrl1850">—</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">611</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_430_c20240101__20241231_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_zB3bS5acNKD" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 0in">Balance at December 31, 2024</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">13,677</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,156</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,477</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">219</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1857">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">19,529</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_437_c20230101__20231231_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_ze3bu0x9ghz9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0in">Balance at December 31, 2022</td><td> </td> <td style="text-align: left">$</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_43B_c20230101__20231231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zAkdV5DAbdM2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Cumulative effect change in accounting principle</td><td style="padding-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__20231231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_z3PbJIuqD6Pc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">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: xdx2ixbrl1878">—</span></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></tr> <tr id="xdx_43B_c20230101__20231231_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zD1zgHuLhDta" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Provision (reversal) for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(292</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">728</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">665</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"><span style="-sec-ix-hidden: xdx2ixbrl1885">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,193</td><td style="text-align: left"> </td></tr> <tr id="xdx_434_c20230101__20231231_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_z9Rc032vD1J" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(764</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: xdx2ixbrl1889">—</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">(185</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: xdx2ixbrl1892">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,510</td><td style="text-align: left">)</td></tr> <tr id="xdx_432_c20230101__20231231_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zGC4A8w0Onoe" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in">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">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">348</td><td style="padding-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">88</td><td style="padding-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 style="border-bottom: Black 1pt solid; text-align: right">471</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_43F_c20230101__20231231_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_zp3qEioIXax6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 0in">Balance at December 31, 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">15,141</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,548</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,537</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">41</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1906">—</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">20,267</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">The following table presents information pertaining to the allowance for credit losses by segment Pre-ASC 326 CECL adoption for the year ended 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"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialRealEstateMember_z0U9Mbuw4B06" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial 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_zFJ9kyWRSjl7" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential 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_zuikhTZfe2ha" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial 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_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_zIbBKMTSD1ph" 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_zIHOosA4i1Uf" 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_z9OG8zJZG8E7" 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"> </td><td> </td> <td colspan="22" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -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_433_c20220101__20221231_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zYGnw1lAau4k" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 34%; font-weight: bold; text-indent: -0.9pt; padding-left: 0in">Balance at December 31, 2021</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">12,970</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">3,964</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">2,643</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">197</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">13</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--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_c20220101__20221231_z6IRl88H1Hnh" style="width: 8%; text-align: right" title="Beginning balance, allowance for credit losses">19,787</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_437_c20220101__20221231_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zUj8kPD8xVnj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Provision for (reversal of) for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(434</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">344</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">586</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">202</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">700</td><td style="text-align: left"> </td></tr> <tr id="xdx_433_c20220101__20221231_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_zdiNLDCcK0q" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(337</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(28</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">(216</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: xdx2ixbrl1929">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(673</td><td style="text-align: left">)</td></tr> <tr id="xdx_432_c20220101__20221231_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zQZo3xrky5hc" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl1932">—</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><td style="padding-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</td><td style="padding-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">62</td><td style="padding-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: xdx2ixbrl1936">—</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">117</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_430_c20220101__20221231_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_zWcnhYgjx7P9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 0in">Balance at December 31, 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">12,199</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_98F_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_c20220101__20221231_fKDEp_zxttyimViFD8" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance, allowance for credit losses">19,931</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <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="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_zi1sa6J0RL9b" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial 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_z517mP8oEZq" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential 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_zsCvCjC7EVIa" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial 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_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_zAkvPxy0gk17" 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_zKcaRHLlzLEe" 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_zPnaLj4dVFbi" 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"> </td><td> </td> <td colspan="22" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="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_431_c20240701__20240930_eus-gaap--OffBalanceSheetCreditLossLiabilityAbstract_iB_zoIcwpdqyCt6" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; padding-left: 0in">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; background-color: White"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_c20240101__20241231_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_zMuOvRzn87ch" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 34%; font-weight: bold; text-indent: -0.25pt; padding-left: 0in">Balance at December 31, 2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">375</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">59</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1958">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1959">—</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">597</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_434_c20240101__20241231_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_pn3n3_zbBjfWE2gcoi" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Provision (reversal) 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">81</td><td style="padding-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">93</td><td style="padding-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"><span style="-sec-ix-hidden: xdx2ixbrl1965">—</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: xdx2ixbrl1966">—</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">160</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_43A_c20240101__20241231_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_zaTW2l03GIrl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 0in">Balance at December 31, 2024</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">456</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">256</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">45</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1972">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1973">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">757</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_432_c20230101__20231231_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_zA34Fmyg96k8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0in">Balance at December 31, 2022</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1976">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1977">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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"><span style="-sec-ix-hidden: xdx2ixbrl1980">—</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: xdx2ixbrl1981">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_433_c20230101__20231231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_zcnmvRhk8P48" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">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: xdx2ixbrl1986">—</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: xdx2ixbrl1987">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--OffBalanceSheetCreditLossLiability_iS_c20230101__20231231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_zTPklHVmKrCh" style="text-align: right" title="Beginning balance">918</td><td style="text-align: left"> </td></tr> <tr id="xdx_43D_c20230101__20231231_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_pn3n3_zFSSG5dNQAh4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">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">(236</td><td style="padding-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">(104</td><td style="padding-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"><span style="-sec-ix-hidden: xdx2ixbrl1995">—</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: xdx2ixbrl1996">—</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--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_pn3n3_c20230101__20231231_zh83tYy0K3Bg" style="border-bottom: Black 1pt solid; text-align: right" title="Provision (reversal) for credit losses">(321</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_43D_c20230101__20231231_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_z3Y3VdviHzH1" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 0in">Balance at December 31, 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">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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">163</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">59</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2004">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2005">—</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_984_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_c20230101__20231231_zP6yUWRGoqHd" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance">597</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"></p> <p id="xdx_8A0_zr5BZVzjCCk4" 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: 10pt Times New Roman, Times, Serif">There was no allowance for credit losses for off-balance sheet exposures for the year ended December 31, 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">During the year ended December 31, 2024, the Company recorded a reversal of credit losses of <span id="xdx_90B_eus-gaap--ProvisionForLoanLeaseAndOtherLosses_pn3n3_dxL_c20240101__20241231_zhHk2dfGMMYf" title="(Reversal of) provision for credit losses::XDX::-665"><span style="-sec-ix-hidden: xdx2ixbrl2011">$665,000</span></span>, compared to a provision for credit losses of <span id="xdx_902_eus-gaap--ProvisionForLoanLeaseAndOtherLosses_pn3p0_c20230101__20231231_zKf5BDhhQCS3" title="(Reversal of) provision for loan losses">$872,000</span> during the year ended December 31, 2023. The <span id="xdx_90B_eus-gaap--ProvisionForLoanLeaseAndOtherLosses_pn3n3_dxL_c20240101__20241231_z8yFKmQFOO07" title="(Reversal of) provision for credit losses::XDX::-665"><span style="-sec-ix-hidden: xdx2ixbrl2015">$665,000</span></span> reversal of credit losses during the year ended December 31, 2024 was comprised of an <span id="xdx_90B_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_dxL_c20240101__20241231_z1f3GEjjjCMa" title="(Reversal of) provision for credit losses on loans::XDX::-825"><span style="-sec-ix-hidden: xdx2ixbrl2017">$825,000</span></span> reversal of credit losses on loans, which was offset by a <span id="xdx_904_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_pn3p0_c20240101__20241231_zMQL5dUdxfed" title="(Reversal of) reserves on unfunded loan commitments">$160,000</span> reserve on unfunded loan commitments related to the impact of higher unfunded loan commitments for the period.</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">During the year ended December 31, 2023, the Company recorded a provision for credit losses of <span id="xdx_90F_eus-gaap--ProvisionForLoanLeaseAndOtherLosses_pn3p0_c20230101__20231231_zrCMTD15ehZh" title="(Reversal of) provision for credit losses">$872,000</span>, comprised of a <span id="xdx_90B_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_dxL_c20230101__20231231_zoRU5iGbUyea" title="(Reversal of) provision for loan losses::XDX::1193"><span style="-sec-ix-hidden: xdx2ixbrl2023">$1.2</span></span> million provision for loan losses, partially offset by a <span id="xdx_900_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_pn3n3_dxL_c20230101__20231231_zDPSK2IMv9ca" title="(Reversal of) reserves on unfunded loan commitments::XDX::-321"><span style="-sec-ix-hidden: xdx2ixbrl2025">$321,000</span></span> reversal of reserves on unfunded loan commitments primarily related to the impact of lower unfunded loan commitments.</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 provision for or reversal of credit losses was determined by a number of factors: the continued stable 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 reserved for the current economic environment and supportable forecast period.</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>Past Due and Nonperforming 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_89B_eus-gaap--PastDueFinancingReceivablesTableTextBlock_z8oAS4tR3y9l" style="font: 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_8BA_z0rpdOxCice6">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> </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 Days Past 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 Days Past 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 or More 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 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 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="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>Nonperforming</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></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="26" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span style="text-decoration: underline">December 31, 2024</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"> <td style="text-align: left">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></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 37%; text-align: left">Non-owner occupied</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zfgqjUUcdwk" style="width: 6%; text-align: right">285</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zZkaocWdmeb1" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2029">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zb0FAhMq6pp4" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2030">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zEnqlsDg7Wia" style="width: 6%; text-align: right">285</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zuhi4OZUJb18" style="width: 6%; text-align: right">880,543</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonOwnerOccupiedMember_zJAZxx8szEb4" style="width: 6%; text-align: right">880,828</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonOwnerOccupiedMember_zYqO9c09S3U7" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2034">—</span></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">Owner occupied</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_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zPw8W8nFNE3d" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2035">—</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_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zgzPKH9uksUj" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2036">—</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_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zKKq1S9Od8Qe" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2037">—</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--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_z2vTh4DDvXFc" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2038">—</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_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zpxOFtsdyzka" style="border-bottom: Black 1pt solid; text-align: right">194,904</td><td style="padding-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_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwnerOccupiedMember_zc5532KND0Q1" style="border-bottom: Black 1pt solid; text-align: right">194,904</td><td style="padding-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--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwnerOccupiedMember_z4TGTrG1AByb" style="border-bottom: Black 1pt solid; text-align: right">330</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: 22.5pt">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zLwYkYkFLHo7" style="text-align: right">285</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zDTwoIlhVL02" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2043">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zOhMA7DT6dU9" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2044">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zlvFAaStsANi" style="text-align: right">285</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zHzQKB4MOsFb" style="text-align: right">1,075,447</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zaNG0Gmy5Ujd" style="text-align: right">1,075,732</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zEzOXvZk0H7c" style="text-align: right">330</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residential real estate: <br/></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zsmtkbsy3GS6" style="text-align: right">1,747</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_z5aE37bRH0e7" style="text-align: right">569</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zybk3doo7gbh" style="text-align: right">983</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zp8NrzpaArVk" style="text-align: right">3,299</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_z4sZfsszdM11" style="text-align: right">650,503</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_z9lwO8cdGuR7" style="text-align: right">653,802</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zIhBTcvFRp55" style="text-align: right">3,965</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zsG0KVJpuVy9" style="border-bottom: Black 1pt solid; text-align: right">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 id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zWil9iQTZXQi" style="border-bottom: Black 1pt solid; text-align: right">213</td><td style="padding-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_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zl1rxEdJUIHh" style="border-bottom: Black 1pt solid; text-align: right">317</td><td style="padding-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_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zdeVGR7GH252" style="border-bottom: Black 1pt solid; text-align: right">1,340</td><td style="padding-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_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_z7q0sQptdUN" style="border-bottom: Black 1pt solid; text-align: right">120,517</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_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_z3Cbx6eDTQsd" style="border-bottom: Black 1pt solid; text-align: right">121,857</td><td style="padding-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--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zc1DgP8Wz2e9" style="border-bottom: Black 1pt solid; text-align: right">408</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: 22.5pt">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zmEkYJfWsQ0e" style="text-align: right">2,557</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zNh1qpxnguF1" style="text-align: right">782</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zvxttdtbjLx9" style="text-align: right">1,300</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_z0Pl4SEqCIMf" style="text-align: right">4,639</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zcvIUp7IpUM" style="text-align: right">771,020</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zYbfBTKPFk09" style="text-align: right">775,659</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zl2fGG3cRD67" style="text-align: right">4,373</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zCSutEU6RKUl" style="text-align: right">60</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zAvG8zmAJGv4" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2071">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z7iDC7MUqJDd" style="text-align: right">1</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zTqlU8EjevI3" style="text-align: right">61</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zEgNbEpEpt7b" style="text-align: right">211,595</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zrIQHYTISxkh" style="text-align: right">211,656</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zRdKDte8OPe2" style="text-align: right">673</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt">Consumer</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_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zrDidKTRubPi" 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 id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zWPtG9hUf3wg" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2078">—</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_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zXm2X7C9QnAa" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2079">—</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_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zV50lCCnKSYg" 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 id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zhkqIwVeG44e" style="border-bottom: Black 1pt solid; text-align: right">4,381</td><td style="padding-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_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zWZMK2IvRAmj" style="border-bottom: Black 1pt solid; text-align: right">4,391</td><td style="padding-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--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zU5F3ZZ42N2i" style="border-bottom: Black 1pt solid; text-align: right">5</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: 2.5pt; text-indent: 10.5pt">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zknnVTP8pe9f" style="border-bottom: Black 2.5pt double; text-align: right">2,912</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zAsbpSMV9Lxb" style="border-bottom: Black 2.5pt double; text-align: right">782</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_znDCYZ9ocDLj" style="border-bottom: Black 2.5pt double; text-align: right">1,301</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_z2sEydPlBqSd" style="border-bottom: Black 2.5pt double; text-align: right">4,995</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_ziKh50eLRV3f" style="border-bottom: Black 2.5pt double; text-align: right">2,062,443</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231_zARa4sAtBCl7" style="border-bottom: Black 2.5pt double; text-align: right">2,067,438</td><td style="padding-bottom: 2.5pt; 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--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231_zsGWASlbE4h8" style="border-bottom: Black 2.5pt double; text-align: right">5,381</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <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> </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 Days Past 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 Days Past 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 or More 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 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 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="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>Nonperforming</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></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="26" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span style="text-decoration: underline">December 31, 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"> <td style="text-align: left">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></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 37%; text-align: left">Non-owner occupied</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateNonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zfZSGOO16wf3" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2091">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateNonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zbFY3jgoEao2" style="width: 6%; text-align: right">647</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateNonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zqeHzwbAIpAk" style="width: 6%; text-align: right">236</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateNonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_z71C6dE0V8d" style="width: 6%; text-align: right">883</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateNonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zU8iu9hTgGW3" style="width: 6%; text-align: right">880,760</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateNonOwnerOccupiedMember_zViaeEefxdFa" style="width: 6%; text-align: right">881,643</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateNonOwnerOccupiedMember_zNnKHJkgXGZd" style="width: 6%; text-align: right">1,107</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">Owner occupied</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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zKneAaaNesEh" style="border-bottom: Black 1pt solid; text-align: right">272</td><td style="padding-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_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zg8qQ1B0DaO9" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2099">—</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--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zV3YrZPN6iF1" style="border-bottom: Black 1pt solid; text-align: right">167</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zWTyVBmbWsr9" style="border-bottom: Black 1pt solid; text-align: right">439</td><td style="padding-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_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zPrBlXsg5fk7" style="border-bottom: Black 1pt solid; text-align: right">197,669</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOwnerOccupiedMember_zV0blbD7iryd" style="border-bottom: Black 1pt solid; text-align: right">198,108</td><td style="padding-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--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOwnerOccupiedMember_zFuobLlv0Y4" style="border-bottom: Black 1pt solid; text-align: right">240</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: 22.5pt">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zi5HItEMoFgk" style="text-align: right">272</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zBXEKHOXWvtk" style="text-align: right">647</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zfl4Qbvxcrxi" style="text-align: right">403</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zOjpmCTm9oX7" style="text-align: right">1,322</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zUQuoV0ul3i" style="text-align: right">1,078,429</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_z17I2xwm2277" style="text-align: right">1,079,751</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zK2EhoxuguK1" style="text-align: right">1,347</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residential real estate: <br/></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zANG9XH34ON7" style="text-align: right">2,354</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zWHgDoJ7dt9d" style="text-align: right">934</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_ztKvA9tq3pfd" style="text-align: right">881</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zCqE2OE5J1U1" style="text-align: right">4,169</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_z1Nl7mRvAhub" style="text-align: right">608,146</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zrbICX1Zo9xl" style="text-align: right">612,315</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zLE0WZLC2eL1" style="text-align: right">4,739</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Home equity</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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zlv3A0X2Pli4" style="border-bottom: Black 1pt solid; text-align: right">263</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_ztIFfh7C9ut8" style="border-bottom: Black 1pt solid; text-align: right">112</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zvU3KseH2Ccl" style="border-bottom: Black 1pt solid; text-align: right">102</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zkHXbF8cFSge" style="border-bottom: Black 1pt solid; text-align: right">477</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zDoGK2627Do8" style="border-bottom: Black 1pt solid; text-align: right">109,362</td><td style="padding-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_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zLdMapHlcn72" style="border-bottom: Black 1pt solid; text-align: right">109,839</td><td style="padding-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--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zlQrHIqQXEpa" style="border-bottom: Black 1pt solid; text-align: right">109</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-bottom: 1pt; padding-left: 22.5pt">Total</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zmLERvIzoaRl" style="border-bottom: Black 1pt solid; text-align: right">2,617</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zGksR2NnFKhi" style="border-bottom: Black 1pt solid; text-align: right">1,046</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zqfWqGE4O4Cc" style="border-bottom: Black 1pt solid; text-align: right">983</td><td style="padding-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_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zmS0Dk7CjhD5" style="border-bottom: Black 1pt solid; text-align: right">4,646</td><td style="padding-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--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zRbpHE8HNmRf" style="border-bottom: Black 1pt solid; text-align: right">717,508</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zGHerwygisud" style="border-bottom: Black 1pt solid; text-align: right">722,154</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 id="xdx_98C_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zsaGfIeJcju3" style="border-bottom: Black 1pt solid; text-align: right">4,848</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zSkosEeZ5Q03" style="text-align: right">20</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zjZmMimDslBc" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2134">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zePK1LznnfBb" style="text-align: right">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zY94x0Fa5Gob" style="text-align: right">28</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zxjvFZkP0VIl" style="text-align: right">217,419</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_znPf1ZQRKXgk" style="text-align: right">217,447</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zL3UxVy5X9Pb" style="text-align: right">218</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt">Consumer</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_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zClRQ4zzreI9" 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_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zbfwQXuSfMti" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2141">—</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--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zC0l2bWs1b9j" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2142">—</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--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zXUmE9LnQ0Si" 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_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zbai1xJd5jph" style="border-bottom: Black 1pt solid; text-align: right">5,469</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_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zKs9Imzqp9Wi" style="border-bottom: Black 1pt solid; text-align: right">5,472</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zqTpvp1My8R7" style="border-bottom: Black 1pt solid; text-align: right">8</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: 2.5pt; text-indent: 10.5pt">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zfBvh7MUHfi5" style="border-bottom: Black 2.5pt double; text-align: right">2,912</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zB2JNcpJjtwf" style="border-bottom: Black 2.5pt double; text-align: right">1,693</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zWPFzOVVLOL7" style="border-bottom: Black 2.5pt double; text-align: right">1,394</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zohjpp81R8Jl" style="border-bottom: Black 2.5pt double; text-align: right">5,999</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zwOb3WCFiD47" style="border-bottom: Black 2.5pt double; text-align: right">2,018,825</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231_zPl1qJOY7RYa" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans">2,024,824</td><td style="padding-bottom: 2.5pt; 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--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231_zkIYuEn2iMMl" style="border-bottom: Black 2.5pt double; text-align: right" title="Non-Accrual Loans">6,421</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A5_zovYCtIwwvQ2" 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">At December 31, 2024 and December 31, 2023, total past due loans totaled $<span id="xdx_90E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_dxL_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zgW0DWmpHgta" title="Total loans::XDX::4995"><span style="-sec-ix-hidden: xdx2ixbrl2158">5.0</span></span> million, or <span id="xdx_909_eus-gaap--FinancingReceivablePercentPastDue1_iI_pid_dp_uPure_c20241231_zPhw8TYGW0kc" title="Total past due, percentage of total loans">0.24</span>% of total loans, and $<span id="xdx_90E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_dxL_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zoCMb6HkhOr" title="Total loans::XDX::5999"><span style="-sec-ix-hidden: xdx2ixbrl2162">6.0</span></span> million, or <span id="xdx_90C_eus-gaap--FinancingReceivablePercentPastDue1_iI_pid_dp_uPure_c20231231_zjEmdKAHWmab" title="Total past due, percentage of total loans">0.30</span>% of total loans, 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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Nonperforming 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">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 nonperforming status, interest accruals cease and uncollected accrued interest is reversed and charged against current interest income. Interest payments on nonperforming 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; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_898_eus-gaap--ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_zUUBopJROFs6" style="font: 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 is a summary of the Company’s nonperforming loans by major categories at December 31, 2024 and December 31, 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> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="display: none"> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_481_ecustom--FinancingReceivableNonaccrualWithAllowance_iI_pn3n3_zJfmBVjscGOa" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_483_eus-gaap--FinancingReceivableNonaccrualNoAllowance_iI_pn3n3_zoNiKSOHLKd4" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_482_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_zPFoRN4FPUz5" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </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">As of December 31, 2024</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">For the Year Ended December 31, 2024</td><td style="padding-bottom: 1pt; 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">Nonperforming Loans with Allowance for 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">Nonperforming Loans Without Allowance for 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>Nonperforming 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">Accrued Interest Receivable Reversed from Income</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">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></tr> <tr id="xdx_418_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonowneroccupiedMember_zcdj99Kc7P13" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 13.5pt">Non-owner occupied</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2167">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2168">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2169">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonowneroccupiedMember_z30A4oqQkp89" style="text-align: right" title="Accrued Interest Receivable Reversed from Income"><span style="-sec-ix-hidden: xdx2ixbrl2171">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_41B_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwneroccupiedMember_zaMjahH3hsf1" style="vertical-align: bottom; background-color: White"> <td style="width: 40%; text-align: left; padding-bottom: 1pt; padding-left: 13.5pt">Owner occupied</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: 12%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2172">—</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: 12%; text-align: right">330</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: 12%; text-align: right">330</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_98E_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwneroccupiedMember_zP01wVMXfD0g" style="border-bottom: Black 1pt solid; width: 12%; text-align: right" title="Accrued Interest Receivable Reversed from Income"><span style="-sec-ix-hidden: xdx2ixbrl2176">—</span></td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_412_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zKRkmwLJB37d" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 31.5pt">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2177">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">330</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">330</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zGasN32mG0L1" style="text-align: right" title="Accrued Interest Receivable Reversed from Income"><span style="-sec-ix-hidden: xdx2ixbrl2181">—</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">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></tr> <tr id="xdx_41F_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zW4xLBgzpVGc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 9pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2182">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,965</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,965</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zxauxLfL1hX9" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">192</td><td style="text-align: left"> </td></tr> <tr id="xdx_419_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_z7FDRlPv41rd" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9pt">Home equity</td><td style="padding-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: xdx2ixbrl2187">—</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">408</td><td style="padding-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">408</td><td style="padding-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--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_ztI8BQzQjvV2" style="border-bottom: Black 1pt solid; text-align: right" title="Accrued Interest Receivable Reversed from Income">30</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_415_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialRealEstateMember_z8eLaizEWX7e" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 31.5pt">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,373</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,373</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialRealEstateMember_zfnxD5Tq3dN1" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">222</td><td style="text-align: left"> </td></tr> <tr id="xdx_418_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zfrHa40ubH4i" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2197">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">673</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">673</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zj2lhK17ij06" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">151</td><td style="text-align: left"> </td></tr> <tr id="xdx_411_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z4B1DC9oTne7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt">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"><span style="-sec-ix-hidden: xdx2ixbrl2202">—</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">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 style="border-bottom: Black 1pt solid; text-align: right">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_983_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zGZfFiCKzEd4" style="border-bottom: Black 1pt solid; text-align: right" title="Accrued Interest Receivable Reversed from Income"><span style="-sec-ix-hidden: xdx2ixbrl2206">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41F_20241231_zKdmK4BHmDOg" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total 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"><span style="-sec-ix-hidden: xdx2ixbrl2207">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,381</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,381</td><td style="padding-bottom: 2.5pt; 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--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231_zvtgxBARw7Ja" style="border-bottom: Black 2.5pt double; text-align: right" title="Accrued Interest Receivable Reversed from Income">373</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <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="display: none"> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_481_ecustom--FinancingReceivableNonaccrualWithAllowance_iI_pn3n3_z3y6cHqPZqde" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_483_eus-gaap--FinancingReceivableNonaccrualNoAllowance_iI_pn3n3_zMGxBtgd3uV8" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_482_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_zg69rEemeBB4" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </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">As of December 31, 2023</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">For the Year Ended December 31, 2023</td><td style="padding-bottom: 1pt; 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">Nonperforming Loans with Allowance for 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">Nonperforming Loans Without Allowance for 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>Nonperforming 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">Accrued Interest Receivable Reversed from Income</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">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></tr> <tr id="xdx_41A_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonowneroccupiedMember_zOPtwDqWiak5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; text-align: left; padding-left: 13.5pt">Non-owner occupied</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: xdx2ixbrl2212">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,107</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,107</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__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonowneroccupiedMember_znGURMY3xQ0l" style="width: 12%; text-align: right" title="Accrued Interest Receivable Reversed from Income">44</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_411_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwneroccupiedMember_zV1EUM7KsKM2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 13.5pt">Owner occupied</td><td style="padding-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: xdx2ixbrl2217">—</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">240</td><td style="padding-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">240</td><td style="padding-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--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwneroccupiedMember_zHNrbT34imZd" style="border-bottom: Black 1pt solid; text-align: right" title="Accrued Interest Receivable Reversed from Income">23</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41A_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zvQe5B1O85v8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 31.5pt">Total</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">1,347</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td 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--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zMI67VlKeYj2" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">67</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">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></tr> <tr id="xdx_416_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_z1alwA6Ya8za" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 9pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2227">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zYMCxyHXYmq5" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">182</td><td style="text-align: left"> </td></tr> <tr id="xdx_41C_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zk0212zwgG7" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9pt">Home equity</td><td style="padding-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: xdx2ixbrl2232">—</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">109</td><td style="padding-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">109</td><td style="padding-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--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zYfnDtKWWFPi" style="border-bottom: Black 1pt solid; text-align: right" title="Accrued Interest Receivable Reversed from Income">10</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_412_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialRealEstateMember_zQlSWRruxme1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 31.5pt">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,848</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,848</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialRealEstateMember_z8pasTxN0gwl" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">192</td><td style="text-align: left"> </td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_znnkjggaGlVj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2242">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">218</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">218</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zzFhI3KSng6g" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">159</td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z6QANSN7Vta5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt">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"><span style="-sec-ix-hidden: xdx2ixbrl2247">—</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</td><td style="padding-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</td><td style="padding-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--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zba5uRpF3ff5" style="border-bottom: Black 1pt solid; text-align: right" title="Accrued Interest Receivable Reversed from Income"><span style="-sec-ix-hidden: xdx2ixbrl2251">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41B_20231231_zdwHeoAqyY42" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total 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"><span style="-sec-ix-hidden: xdx2ixbrl2252">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,421</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,421</td><td style="padding-bottom: 2.5pt; 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--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20231231_znT3GOFgS0g4" style="border-bottom: Black 2.5pt double; text-align: right" title="Accrued Interest Receivable Reversed from Income">418</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A4_z115lDfOrx32" 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">At December 31, 2024 and December 31, 2023, nonperforming loans totaled $<span id="xdx_904_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_dxL_c20241231_zQTICHAY6aX3" title="Nonaccrual loans::XDX::5381"><span style="-sec-ix-hidden: xdx2ixbrl2259">5.4</span></span> million, or <span id="xdx_90F_esrt--FinancingReceivableNonaccrualToOutstandingPercent_iI_pid_dp_uPure_c20241231_zQa4N2Itj8Rh" title="Nonaccrual loans, percentage of total loans">0.26</span>% of total loans and $<span id="xdx_904_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_dxL_c20231231_zhJdv4mJ5Jtg" title="Nonaccrual loans::XDX::6421"><span style="-sec-ix-hidden: xdx2ixbrl2263">6.4</span></span> million, or <span id="xdx_904_esrt--FinancingReceivableNonaccrualToOutstandingPercent_iI_pid_dp_uPure_c20231231_ztQD1RkmXS4h" title="Nonaccrual loans, percentage of total loans">0.32</span>% of total loans, respectively. The Company did not recognize any interest income on nonperforming loans for the years ended December 31, 2024 and 2023. At December 31, 2024 and December 31, 2023, there were no commitments to lend additional funds to any borrower on nonperforming status. At December 31, 2024 and December 31, 2023, there were no loans 90 or more days past due and still accruing interest. There was no other real estate owned at December 31, 2024 or December 31, 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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Individually Evaluated Collateral Dependent 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 that do not share similar risk characteristics with loans that are pooled into portfolio segments are individually evaluated. A loan is considered collateral dependent 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. Loans that are rated Substandard, have a loan-to-value above 85% or have demonstrated a specific weakness (e.g., slow payment history, industry weakness, or other clear credit deterioration) may be considered for individual evaluation if they are determined not to share similar risk characteristics within the segment. Individually evaluated assets will be measured primarily using the collateral dependent financial asset practical expedient, although the discounted cash flow method may be used when management deems it more appropriate or collateral values cannot be supported. For individually evaluated assets, an ACL is determined separately for each financial asset. At December 31, 2024, the Company had $<span id="xdx_90C_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn5n6_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zKuxzg2A3o3l" title="Individually evaluated loans">1.3</span> million in individually evaluated commercial loans, collateralized by business assets, and $<span id="xdx_905_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn5n6_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateLoanMember_zhzUv1lCWpm6" title="Individually evaluated loans">13.0</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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_898_ecustom--ScheduleOfindividuallyEvaluatedCollateralDependentLoansTableTextBlock_zxe8NoG1fjmb" style="font: 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 Company’s individually evaluated collateral dependent loans by class as of the dates indicated:</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> </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">As of December 31, 2024</td><td style="padding-bottom: 1pt; 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">Recorded 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 Allowance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; padding-left: 0in">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: White"> <td style="text-align: left; padding-left: 5.4pt">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="width: 74%; text-align: left; text-indent: 12.45pt; padding-left: 5.4pt">Non-owner occupied</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonowneroccupiedMember_zlVUH5bNBm69" style="width: 10%; text-align: right" title="Loans with no related allowance recorded, recorded investment">6,956</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; padding-bottom: 1pt; text-indent: 12.45pt; padding-left: 5.4pt">Owner occupied</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwneroccupiedMember_zLnQN6yo8o8b" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">1,285</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 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-indent: 21.45pt; padding-left: 5.4pt">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zALHbC0FkOwf" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">8,241</td><td style="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; padding-left: 5.4pt">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: 12.75pt; padding-left: 5.4pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zrDKeoPxgb5d" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">4,333</td><td style="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; padding-bottom: 1pt; text-indent: 12.75pt; padding-left: 5.4pt">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zZhFosnsEQv1" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">408</td><td style="padding-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-indent: 21.45pt; padding-left: 5.4pt">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialRealEstateMember_zKrfKlIF5pOf" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">4,741</td><td style="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; padding-left: 5.4pt">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z6D2Q4zNzJ32" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">776</td><td style="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-bottom: 1pt; padding-left: 5.4pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zhZL8EvvqXf6" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment"><span style="-sec-ix-hidden: xdx2ixbrl2287">—</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></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 21.75pt; padding-left: 5.4pt">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_985_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember_zqzGozomEXIc" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">13,758</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0in">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Commercial real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 12.45pt">Non-owner occupied</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="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; padding-left: 12.45pt">Owner occupied</td><td style="padding-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="padding-left: 21.45pt">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="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-left: 5.4pt">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-align: left; padding-left: 12.75pt">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-align: left; padding-bottom: 1pt; padding-left: 12.75pt">Home equity</td><td style="padding-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="padding-left: 21.45pt">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="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-left: 5.4pt">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zHZSHNdZkJOd" style="text-align: right" title="Loans with an allowance recorded, recorded investment">494</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zC8O6C1P3Mc7" style="text-align: right" title="Loans with an allowance recorded, related allowance">156</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 5.4pt">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: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 21.75pt; padding-left: 0in">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_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_zQotfNDhrkf8" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, recorded investment">494</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98D_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_z9L79GtjgXzg" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, related allowance">156</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Total individually evaluated loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231_znOSMedc374" style="border-bottom: Black 2.5pt double; text-align: right" title="Individually evaluated loans, recorded investment">14,252</td><td style="padding-bottom: 2.5pt; 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--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20241231_zBsd18TFpwcc" style="border-bottom: Black 2.5pt double; text-align: right">156</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 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> </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">As of December 31, 2023</td><td style="padding-bottom: 1pt; 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">Recorded 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 Allowance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; padding-left: 0in">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"> <td style="text-align: left; padding-left: 5.4pt">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="width: 74%; text-align: left; text-indent: 12.45pt; padding-left: 5.4pt">Non-owner occupied</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonowneroccupiedMember_zIZvgy2Xh4pg" style="width: 10%; text-align: right" title="Loans with no related allowance recorded, recorded investment">8,879</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; padding-bottom: 1pt; text-indent: 12.45pt; padding-left: 5.4pt">Owner occupied</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwneroccupiedMember_zapEdhiEWAJ" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">1,769</td><td style="padding-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-indent: 21.45pt; padding-left: 5.4pt">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zdy1MJajMBul" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">10,648</td><td style="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; padding-left: 5.4pt">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: 12.75pt; padding-left: 5.4pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zAMVU8Du1Ku4" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">5,163</td><td style="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; padding-bottom: 1pt; text-indent: 12.75pt; padding-left: 5.4pt">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zYEYQr4kZpXl" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">109</td><td style="padding-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-indent: 21.45pt; padding-left: 5.4pt">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialRealEstateMember_zc7FxiTHMmXl" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">5,272</td><td style="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; padding-left: 5.4pt">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zZxyhyw1ZLV3" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">13,273</td><td style="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-bottom: 1pt; padding-left: 5.4pt">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--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zzfEDx4yrD59" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">8</td><td style="padding-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: 21.75pt; padding-left: 5.4pt">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_985_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember_zK6stohpla99" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">29,201</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0in">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Commercial real estate:</td><td> </td> <td style="text-align: left">$</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: White"> <td style="text-align: left; padding-left: 12.45pt">Non-owner occupied</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="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; padding-left: 12.45pt">Owner occupied</td><td style="padding-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="padding-left: 21.45pt">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="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-left: 5.4pt">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-align: left; padding-left: 12.75pt">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-align: left; padding-bottom: 1pt; padding-left: 12.75pt">Home equity</td><td style="padding-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="padding-left: 21.45pt">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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-left: 5.4pt">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zh7u6OMBNjH5" 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_98D_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zU4upuRuzydb" 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: White"> <td style="padding-bottom: 1pt; padding-left: 5.4pt">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: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 21.75pt; padding-left: 0in">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_989_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_zT0azb1w0iw3" 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">$</td><td id="xdx_986_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_zhx1KnvJiNX3" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, related allowance">179</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Total individually evaluated loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231_zwRD2dbHVdX5" style="border-bottom: Black 2.5pt double; text-align: right" title="Individually evaluated loans, recorded investment">29,718</td><td style="padding-bottom: 2.5pt; 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_98E_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20231231_zpwfgbjHvL51" 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 id="xdx_8A7_zuV3euuQDEX1" 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"><b>Modified Loans to Borrowers Experiencing Financial Difficulty. </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 will modify the contractual terms of loans to a borrower experiencing financial difficulties as a way to mitigate loss and comply with regulations regarding bankruptcy and discharge situations. 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 granted based on borrower financial difficulty during the years ended December 31, 2024 and 2023. During the years ended December 31, 2024 and 2023, 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 years ended December 31, 2024 or 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: 10pt Times New Roman, Times, Serif"></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"><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 monitors the credit quality of its loan portfolio by using internal risk ratings that are based on regulatory guidance. The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company utilizes an eight-grade internal loan rating system for commercial real estate and commercial and industrial 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">The grades assigned and definitions are as follows: loans graded excellent, above average, good are classified as “Pass” for grading purposes (risk ratings 1-4). All loans risk rated Special Mention (5), Substandard (6), Doubtful (7) and Loss (8) are listed on the Company’s criticized report and are reviewed not less than on a quarterly basis to assess the level of risk and to ensure that appropriate actions are being taken to minimize potential loss exposure. In addition, the Company closely monitors classified loans, defined as Substandard, Doubtful, and Loss for signs of deterioration to mitigate the growth in nonperforming loans, including performing additional due diligence, updating valuations and requiring additional financial reporting from the borrower. Loans identified as containing a loss are partially charged-off or fully charged-off. 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 are classified as “Pass” and have quality metrics to support that the loan will be repaid according to the terms established and are not subject to adverse criticism as defined in regulatory guidance. Pass loans exhibit characteristics that represent acceptable risk and are not considered problem 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>Loans rated 5</b>: Loans rated 5 are classified as “Special Mention” and have potential weaknesses that deserve management’s close attention. Special mention loans are currently performing but with potential weaknesses including adverse trends in borrower’s operations, credit quality, financial strength, or possible collateral deficiency. 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. 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 classified as “Substandard” and have an identified definitive weakness which may make full collection of contractual cash flows questionable and/or jeopardize the liquidation of the 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 classified as “Doubtful” and 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 classified a “Loss” and are considered uncollectible and are charged to the allowance for credit losses. 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, the Company formally reviews the ratings on all commercial real estate loans over $2 million and commercial and industrial loans over $1 million. On an ongoing basis, Management utilizes delinquency reports, interim customer financials, the criticized loan report and other loan reports to monitor credit quality and adjust risk ratings accordingly. In addition, at least on an annual basis, the Company contracts with an independent third-party 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; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_896_eus-gaap--FinancingReceivableCreditQualityIndicatorsTableTextBlock_z2YVWduj0ro2" style="font: 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_zzTgM2Gr50dj">The following tables summarize the amortized cost basis by aggregate Pass and criticized categories of Special Mention and Substandard within the Company’s internal risk rating system by year of origination as of December 31, 2024 and 2023.</span> The tables also summarize gross charge-offs by year of origination for the years ended December 31, 2024 and 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> <table cellpadding="0" cellspacing="0" style="font: 8pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="display: none"> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_489_eus-gaap--FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_iI_pn3n3_zqhMiSTS8qY9" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_486_eus-gaap--FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_iI_pn3n3_zBzKcESxRCEk" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_48D_eus-gaap--FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_iI_pn3n3_zVXkGPN5VrR5" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_48C_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_iI_pn3n3_zowEj85eLvRi" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_484_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_iI_pn3n3_zyCq1RbX6y85" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_488_eus-gaap--FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_iI_pn3n3_z9cciOcblb1j" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_48B_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolving_iI_pn3n3_z0mgcpJHXv34" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_48E_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_iI_pn3n3_z6LzuwZ00cya" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_480_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_mtTotal1_zvp5e1qjVkpj" style="display: none"> </td> <td style="display: none"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="34" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of and Year Ended December 31, 2024</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="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="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Revolving Loans</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">2024</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><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">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 Loans Converted to 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="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="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; font-weight: bold; text-align: left; padding-left: 0in">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_419_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zebb5TsC7XWd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 19%; text-align: left; padding-left: 0in">Pass (Rated 1- 4)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">51,726</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">46,105</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">175,159</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">237,531</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">108,165</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">348,564</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">84,083</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">3,391</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">1,054,724</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_410_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zN98YW2uWd89" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Special Mention (Rated 5)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2344">—</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: xdx2ixbrl2345">—</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: xdx2ixbrl2346">—</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: xdx2ixbrl2347">—</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: xdx2ixbrl2348">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10,104</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">134</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: xdx2ixbrl2351">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10,238</td><td style="text-align: left"> </td></tr> <tr id="xdx_41B_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zIAZutnh79j9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2353">—</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: xdx2ixbrl2354">—</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: xdx2ixbrl2355">—</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: xdx2ixbrl2356">—</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">8,166</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">2,604</td><td style="padding-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: xdx2ixbrl2359">—</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: xdx2ixbrl2360">—</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">10,770</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41F_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_znFrdZTBOSYd" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Total commercial real estate loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">51,726</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">46,105</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">175,159</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">237,531</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">116,331</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">361,272</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">84,217</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,391</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,075,732</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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">$</td><td id="xdx_983_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_z7dVqn9BKNsb" style="text-align: right" title="Current period gross charge-offs, Prior">46</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-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_986_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zly8HSGEzxp2" style="text-align: right" title="Current period gross charge-offs">46</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0in">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_416_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_z3vhZHmWSpsd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">51,726</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">46,105</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">175,159</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">237,531</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">116,331</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">360,942</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">84,217</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,391</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,075,402</td><td style="text-align: left"> </td></tr> <tr id="xdx_41F_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_z2y2P3sIQM6f" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2384">—</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: xdx2ixbrl2385">—</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: xdx2ixbrl2386">—</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: xdx2ixbrl2387">—</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: xdx2ixbrl2388">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">330</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: xdx2ixbrl2390">—</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: xdx2ixbrl2391">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">330</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; font-weight: bold; text-align: left; padding-left: 0in">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_41E_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zjTYpqjyDwtk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">79,180</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">60,825</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">87,635</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">88,761</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">119,302</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">205,620</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,821</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2400">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">649,144</td><td style="text-align: left"> </td></tr> <tr id="xdx_416_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zAeiT7CzYvMe" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2402">—</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: xdx2ixbrl2403">—</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">425</td><td style="padding-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">355</td><td style="padding-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">380</td><td style="padding-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">3,498</td><td style="padding-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: xdx2ixbrl2408">—</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: xdx2ixbrl2409">—</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">4,658</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41A_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zacCBfnmbbgl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">79,180</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">60,825</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">88,060</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">89,116</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">119,682</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">209,118</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,821</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2418">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">653,802</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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">$</td><td id="xdx_98A_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zqClHXM4YQm" style="text-align: right" title="Current period gross charge-offs, Prior">59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-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_984_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zbE42fovTw11" style="text-align: right" title="Current period gross charge-offs">59</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="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-align: left; padding-left: 0in">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_41E_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zZItuPn58wo1" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">79,180</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">60,825</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">87,635</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">88,761</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">119,302</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">206,313</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,821</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2431">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">649,837</td><td style="text-align: left"> </td></tr> <tr id="xdx_412_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zUPir5iEmCQ8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2433">—</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: xdx2ixbrl2434">—</span></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><td> </td> <td style="text-align: left"> </td><td style="text-align: right">355</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">380</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,805</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: xdx2ixbrl2439">—</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: xdx2ixbrl2440">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,965</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="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; font-weight: bold; text-align: left; padding-left: 0in">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_417_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zChq5tTVhr58" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,509</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">8,699</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,196</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,801</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">6,264</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,998</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">68,920</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,062</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">121,449</td><td style="text-align: left"> </td></tr> <tr id="xdx_41E_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zxMS2k1aQvu6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0in">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">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: xdx2ixbrl2452">—</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">70</td><td style="padding-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: xdx2ixbrl2454">—</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: xdx2ixbrl2455">—</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: xdx2ixbrl2456">—</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">317</td><td style="padding-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</td><td style="padding-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">408</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41A_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zXBcP1SDQRah" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Total home equity loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">9,522</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">8,699</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">9,266</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,801</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,264</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">9,998</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">69,237</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,070</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">121,857</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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">20</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">99</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">126</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"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0in">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_416_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zvbn8fmRoFyc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,509</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">8,699</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,196</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,801</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">6,264</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,998</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">68,920</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,062</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">121,449</td><td style="text-align: left"> </td></tr> <tr id="xdx_413_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zFKOIR4TlHVh" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Nonperforming</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"><span style="-sec-ix-hidden: xdx2ixbrl2479">—</span></td><td style="text-align: left"> </td><td> </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"><span style="-sec-ix-hidden: xdx2ixbrl2481">—</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: xdx2ixbrl2482">—</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: xdx2ixbrl2483">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">317</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">408</td><td style="text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 8pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="34" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of and Year Ended December 31, 2024</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="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="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Revolving Loans</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">2024</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><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">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 Loans Converted to 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="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; font-weight: bold; text-align: left; padding-left: 0in">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_412_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zF07OQTg2vih" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 19%; text-align: left; padding-left: 0in">Pass (Rated 1- 4)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">29,346</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">19,096</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">27,609</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">27,371</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">14,859</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">22,117</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">58,852</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">64</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">199,314</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_419_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zMVFjyW8t7ub" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Special Mention (Rated 5)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2496">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">590</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">125</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: xdx2ixbrl2500">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">328</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">99</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: xdx2ixbrl2503">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,167</td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zxmWNHYlrRv7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2505">—</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">5,872</td><td style="padding-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: xdx2ixbrl2507">—</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: xdx2ixbrl2508">—</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">376</td><td style="padding-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">1,547</td><td style="padding-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">3,380</td><td style="padding-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: xdx2ixbrl2512">—</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">11,175</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41C_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zfEVfAcwPr91" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Total commercial and industrial loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">29,346</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">24,993</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">28,199</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">27,496</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,235</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">23,992</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">62,331</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">64</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">211,656</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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">$</td><td id="xdx_98A_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z05Kc7zZYSb7" style="text-align: right">56</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_iP3custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zGDxvOLzYAKa" style="text-align: right" title="Current period gross charge-offs, Revolving Loans Converted to Term Loans">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z7S76RYfJ9Sh" style="text-align: right">65</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0in">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_414_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zgLVOVVhSJu4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">29,346</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">24,993</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">28,199</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">27,496</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">15,235</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">23,468</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">62,182</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">64</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">210,983</td><td style="text-align: left"> </td></tr> <tr id="xdx_41D_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zEcVbqZqXWni" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2536">—</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: xdx2ixbrl2537">—</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: xdx2ixbrl2538">—</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: xdx2ixbrl2539">—</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: xdx2ixbrl2540">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">524</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">149</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: xdx2ixbrl2543">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">673</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"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; font-weight: bold; padding-left: 0in">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_417_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zWXHwVuHOCqi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">839</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,421</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">842</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">271</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">45</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">823</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2552">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,386</td><td style="text-align: left"> </td></tr> <tr id="xdx_415_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zU2psvHyCuHc" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2554">—</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: xdx2ixbrl2555">—</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: xdx2ixbrl2556">—</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: xdx2ixbrl2557">—</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: xdx2ixbrl2558">—</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">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 style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2560">—</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: xdx2ixbrl2561">—</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">5</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_415_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zdqZmsy9BTG3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Total consumer loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">839</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,421</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">842</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">271</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">45</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">150</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">823</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2570">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,391</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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">$</td><td id="xdx_980_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_maChargeOff_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zsmtCqYW6Vr" style="text-align: right">228</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zDj2X87t7aAk" style="text-align: right">228</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="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-align: left; padding-left: 0in">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_417_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zhMAXyQIP93j" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">839</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,421</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">842</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">271</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">45</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">145</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">823</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2581">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,386</td><td style="text-align: left"> </td></tr> <tr id="xdx_41C_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zz3LJY3fQQ6l" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2583">—</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: xdx2ixbrl2584">—</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: xdx2ixbrl2585">—</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: xdx2ixbrl2586">—</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: xdx2ixbrl2587">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5</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</td><td style="text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 8pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="34" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of and Year Ended December 31, 2023</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </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="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Revolving Loans</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">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 Loans Converted to 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="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="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; font-weight: bold; text-align: left; padding-left: 0in">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_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zEwcTCGwily1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 19%; text-align: left; padding-left: 0in">Pass (Rated 1- 4)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">42,764</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">175,829</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">228,739</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">113,631</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">91,353</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">320,806</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">81,483</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">9,289</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">1,063,894</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_416_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zCSUyXOoDwCj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Special Mention (Rated 5)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2601">—</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: xdx2ixbrl2602">—</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: xdx2ixbrl2603">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">180</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">915</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,237</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: xdx2ixbrl2608">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,496</td><td style="text-align: left"> </td></tr> <tr id="xdx_41D_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zaLYv4yVEeZ3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2610">—</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: xdx2ixbrl2611">—</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: xdx2ixbrl2612">—</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">8,013</td><td style="padding-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: xdx2ixbrl2614">—</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">3,348</td><td style="padding-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: xdx2ixbrl2616">—</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: xdx2ixbrl2617">—</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">11,361</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_414_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_z6Q63XJBOkW2" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Total commercial real estate loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">42,764</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">175,829</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">228,739</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">121,824</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">92,268</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">327,391</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">81,647</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">9,289</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,079,751</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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">$</td><td id="xdx_98A_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zeXsRvuZiSpf" style="text-align: right" title="Current period gross charge-offs, Prior">764</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-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_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zeMr4yxrGYt1" style="text-align: right" title="Current period gross charge-offs">764</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0in">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_412_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zIDGlDctnoWf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">42,764</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">175,829</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">228,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">121,824</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">92,268</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">326,044</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">81,647</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,289</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,078,404</td><td style="text-align: left"> </td></tr> <tr id="xdx_41D_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zYD08n6JLy1h" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2641">—</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: xdx2ixbrl2642">—</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: xdx2ixbrl2643">—</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: xdx2ixbrl2644">—</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: xdx2ixbrl2645">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,347</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: xdx2ixbrl2647">—</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: xdx2ixbrl2648">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,347</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; font-weight: bold; text-align: left; padding-left: 0in">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_41B_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zyIZODzvtKCi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">59,257</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">88,213</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">94,290</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">125,917</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">54,263</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">174,688</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">10,401</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2657">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">607,029</td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_z5hxZQDmHCrh" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2659">—</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">495</td><td style="padding-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">445</td><td style="padding-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: xdx2ixbrl2663">—</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">3,899</td><td style="padding-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: xdx2ixbrl2665">—</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: xdx2ixbrl2666">—</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">5,286</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zWazY9xPWw3h" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">59,257</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">88,660</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">94,785</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">126,362</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">54,263</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">178,587</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">10,401</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2675">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">612,315</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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="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-align: left; padding-left: 0in">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_41D_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zaP91yBEWlp1" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">59,257</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">88,213</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">94,290</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">125,540</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">54,263</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">175,612</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">10,401</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2684">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">607,576</td><td style="text-align: left"> </td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zp9KeycjLAgg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2686">—</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">495</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">822</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: xdx2ixbrl2690">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,975</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: xdx2ixbrl2692">—</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: xdx2ixbrl2693">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,739</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="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; font-weight: bold; text-align: left; padding-left: 0in">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_41E_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zmTLccc8Sf98" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,937</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">10,885</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">6,861</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,108</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,234</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,261</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">60,115</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,329</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">109,730</td><td style="text-align: left"> </td></tr> <tr id="xdx_41B_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_z3sQzSdE4Y5g" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2704">—</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: xdx2ixbrl2705">—</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: xdx2ixbrl2706">—</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: xdx2ixbrl2707">—</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: xdx2ixbrl2708">—</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">7</td><td style="padding-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">90</td><td style="padding-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">12</td><td style="padding-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">109</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_ziEqWqLBOHV6" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Total home equity loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">9,937</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">10,885</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,861</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,108</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,234</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,268</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">60,205</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,341</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">109,839</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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="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-align: left; padding-left: 0in">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_417_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_ztQKgL97aZO7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,937</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">10,885</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">6,861</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,108</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,234</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,261</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">60,115</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,329</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">109,730</td><td style="text-align: left"> </td></tr> <tr id="xdx_41E_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zNyB5axPwnn7" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2731">—</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: xdx2ixbrl2732">—</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: xdx2ixbrl2733">—</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: xdx2ixbrl2734">—</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: xdx2ixbrl2735">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">90</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">12</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> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 8pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="34" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of and Year Ended December 31, 2023</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="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="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Revolving Loans</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">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 Loans Converted to 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="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; font-weight: bold; text-align: left; padding-left: 0in">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_412_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zEX2qdAqDgG" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 19%; text-align: left; padding-left: 0in">Pass (Rated 1- 4)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">31,108</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">35,705</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">26,553</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">19,780</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">19,765</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">8,825</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">57,393</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">69</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">199,198</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_411_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zBxAXQzcAKVh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Special Mention (Rated 5)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2750">—</span></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"><span style="-sec-ix-hidden: xdx2ixbrl2752">—</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: xdx2ixbrl2753">—</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">498</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">707</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: xdx2ixbrl2757">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,314</td><td style="text-align: left"> </td></tr> <tr id="xdx_41F_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zSGqdFpZCVEh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2759">—</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: xdx2ixbrl2760">—</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">1,408</td><td style="padding-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">8,156</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 style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2763">—</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">85</td><td style="padding-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">7,286</td><td style="padding-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: xdx2ixbrl2766">—</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">16,935</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zQMshADr890d" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Total commercial and industrial loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">31,108</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">35,806</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">27,961</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">27,936</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">19,773</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">9,408</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">65,386</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">69</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">217,447</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_985_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedFiscalYearBeforeCurrentFiscalYear_iP2custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zzyKD729MdD7" style="text-align: right" title="Current period gross charge-offs, 2022">147</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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">$</td><td id="xdx_984_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zpjYL8ClCOCd" style="text-align: right">221</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_987_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_iP3custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zOSxT4fgCXwd" style="text-align: right" title="Current period gross charge-offs, Revolving Loans Converted to Term Loans">1,193</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zwFLsSKtQzrg" 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="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0in">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_41A_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zR8e8KJCsNul" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">31,108</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">35,806</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">27,961</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">27,936</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">19,773</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,401</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">65,175</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">69</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">217,229</td><td style="text-align: left"> </td></tr> <tr id="xdx_41C_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zZZHBZ8hSNg7" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2792">—</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: xdx2ixbrl2793">—</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: xdx2ixbrl2794">—</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: xdx2ixbrl2795">—</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: xdx2ixbrl2796">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7</td><td style="text-align: left"> </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"><span style="-sec-ix-hidden: xdx2ixbrl2799">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">218</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"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; font-weight: bold; padding-left: 0in">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_41C_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zqknuxQbZSha" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,168</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,381</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">524</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">241</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">68</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">270</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">812</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2808">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,464</td><td style="text-align: left"> </td></tr> <tr id="xdx_41B_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zKlC4c4inNWh" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2810">—</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: xdx2ixbrl2811">—</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: xdx2ixbrl2812">—</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: xdx2ixbrl2813">—</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: xdx2ixbrl2814">—</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</td><td style="padding-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: xdx2ixbrl2816">—</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: xdx2ixbrl2817">—</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</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_418_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z7vBmq8L11i8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Total consumer loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,168</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,381</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">524</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">241</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">68</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">278</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">812</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2826">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,472</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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_980_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolving_iP2custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z821PDUFq6S1" 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">$</td><td id="xdx_985_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zgCecXLfkQdf" style="text-align: right">182</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_znQX7nR9Bzff" style="text-align: right">185</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="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-align: left; padding-left: 0in">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_41A_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zpGp6M6y6cul" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,168</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,381</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">524</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">241</td><td style="text-align: left"> </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">271</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">811</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2839">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,464</td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zPWN7ejypHp2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2841">—</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: xdx2ixbrl2842">—</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: xdx2ixbrl2843">—</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: xdx2ixbrl2844">—</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: xdx2ixbrl2845">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7</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: xdx2ixbrl2848">—</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></tr> </table> <p id="xdx_8A8_z8eT1q0AI2jg" style="margin-top: 0; margin-bottom: 0"> </p> <p id="xdx_89A_ecustom--ScheduleOfLoansRatedDetailsTableTextblock_zu47cLoe8KN8" style="font: 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 information about total loans rated Special Mention, Substandard, Doubtful or Loss for the periods noted.</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="display: none"> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_49C_20241231_zMsAETHn2LI2" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_49A_20231231_zFCUuy3GV0i5" style="display: none"> </td> <td style="display: none"> </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">December 31, 2024</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">December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollar in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Criticized loans:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zPt0Ovus28De" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; text-align: left; padding-left: 0.125in">Special Mention</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">11,405</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">5,810</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zzEJ7cQvfl93" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in">Substandard</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">27,016</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">33,699</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--InternalCreditAssessmentAxis__us-gaap--CriticizedMember_zyqZUa19H5t8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Total criticized loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">38,421</td><td style="padding-bottom: 2.5pt; 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--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--InternalCreditAssessmentAxis__us-gaap--CriticizedMember_znAe3YNZfJdf" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans">39,509</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_405_esrt--FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent_iI_pid_dp_uPure_hus-gaap--InternalCreditAssessmentAxis__us-gaap--CriticizedMember_zESMySG5ILvj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.25in">Total criticized loans as a percentage of total loans</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1.9</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1.9</td><td style="text-align: left">%</td></tr> </table> <p id="xdx_89A_eus-gaap--ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_z7s77VVa24o9" 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_8BD_zJ0dXs9oy2Xa">The following table presents the summary of the loan portfolio by the major classification of the loan at the periods 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: 96%; margin-left: 0.25in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_497_20241231_zS9S0Ljeldsk" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_491_20231231_zQIfGAgIHRz7" style="font-weight: bold; text-align: center">December 31,</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">2024</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></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">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 id="xdx_405_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateNonOwnerOccupiedMember_zg6fSkfVtjD" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; text-align: left; padding-left: 0.125in">Non-owner occupied</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">880,828</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">881,643</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOwnerOccupiedMember_zOb2TJjeems7" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Owner occupied</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">194,904</td><td style="padding-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">198,108</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zIMmzqRBi27c" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.25in">Total commercial real estate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,075,732</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,079,751</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">Residential real estate: <br/></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_zkCmLPV5E7ee" style="vertical-align: bottom; background-color: White"> <td style="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">653,802</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">612,315</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_z02fzxi45w7f" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">121,857</td><td style="padding-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">109,839</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_znUF1mOUth84" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.25in"> Total residential real estate</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">775,659</td><td style="padding-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">722,154</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_409_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z9xMfxR5BtYj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">211,656</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">217,447</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_z3U3hBS9XAOf" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">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">4,391</td><td style="padding-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">5,472</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_maFREAIzwLv_zs5qIC6BcTFd" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Total gross loans</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,067,438</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,024,824</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--FinancingReceivableUnamortizedPurchasePremiumDiscount_iI_pn3n3_maFREAIzwLv_zXGES6V0v7Oj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Plus: Unearned premiums and deferred loan fees and costs, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,751</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,493</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iNI_pn3n3_di_msFREAIzwLv_zPtoiMp6iYy1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less: Allowance 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">(19,529</td><td style="padding-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">(20,267</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_401_eus-gaap--FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_iTI_pn3n3_mtFREAIzwLv_zdI8NL17rQr5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Net 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">2,050,660</td><td style="padding-bottom: 2.5pt; 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">2,007,050</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 880828000 881643000 194904000 198108000 1075732000 1079751000 653802000 612315000 121857000 109839000 775659000 722154000 211656000 217447000 4391000 5472000 2067438000 2024824000 2751000 2493000 19529000 20267000 2050660000 2007050000 906000000 941200000 98000000 40600000 377000000 65300000 65000000 1.41 0.1001 0.0025 83.31 20100000 235000 84800000 72700000 189000 191000 <p id="xdx_899_eus-gaap--ScheduleOfServicingAssetsAtAmortizedValueTextBlock_zIoY3Ho5hqQd" style="font: 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_zrJDz18ckkY8">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: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_497_20240101__20241231_zgWC9BoC0ERj" 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_20230101__20231231_z68sDp3ogMmd" 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"> </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">Years Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; 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">2024</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></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 0.125in"> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_407_eus-gaap--ServicingAssetAtAmortizedValue_iS_pn3n3_uUSD_zLnBb06OnbKh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; font-weight: bold; text-align: left; padding-left: 0in">Balance at the beginning of year:</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">422</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">550</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--ServicingAssetAtAmortizedValueAdditions_pn3n3_uUSD_zlDpTWNjnf4k" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">Capitalized mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">114</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1799">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--ServicingAssetAtAmortizedValueAmortization1_iN_pn3n3_di_uUSD_zCJIKimBONP4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0.125in">Amortization</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(100</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(128</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_409_eus-gaap--ServicingAssetAtAmortizedValue_iE_pn3n3_uUSD_z1a3ubbt3Juf" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Balance at the end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">436</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">422</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--ServicingAssetAtFairValueAmount_iE_pn3n3_uUSD_z0X4GjGUM7O3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Fair value at the end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">826</td><td style="padding-bottom: 2.5pt; 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">724</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 422000 550000 114000 100000 128000 436000 422000 826000 724000 7400000 7500000 <p id="xdx_892_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_zepqre7AsdQb" style="margin-top: 0; margin-bottom: 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"><span id="xdx_8BF_zvtyDFijYNR1">An analysis of changes in the allowance for credit losses for loans and off-balance sheet commitments by segment for the years ended December 31, 2024 and 2023 is as follows:</span></span></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="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_z1z7Ug1NMNRl" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial 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_ziUCg9Pdfvh5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential 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_zQCzQNwsDGp5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial 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_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_zZHBXM5juUj1" 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_zIXBkTTHTIV" 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_z9jvCOPEZ8Pc" 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"> </td><td> </td> <td colspan="22" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_43F_c20240701__20240930_eus-gaap--AllowanceForCreditLossAbstract_iB_pn3n3_zzoyRbFU6PV9" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; text-indent: -1.05pt; padding-left: 0in">Allowance for credit losses for loans</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: -1.05pt; padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_432_c20240101__20241231_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zVm32vtgvQY" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 34%; font-weight: bold; text-indent: -0.9pt; padding-left: 0in">Balance at December 31, 2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">15,141</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">2,548</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">2,537</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">41</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1829">—</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">20,267</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_431_c20240101__20241231_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zolF5DK6ySv1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Provision for (reversal of) for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,670</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">761</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(212</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">296</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: xdx2ixbrl1836">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(825</td><td style="text-align: left">)</td></tr> <tr id="xdx_43F_c20240101__20241231_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_zK9KaRVl5Och" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Charge-offs</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">(185</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(65</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(228</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: xdx2ixbrl1843">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(524</td><td style="text-align: left">)</td></tr> <tr id="xdx_439_c20240101__20241231_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zjpSgjin4pgl" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in">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">252</td><td style="padding-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><td style="padding-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</td><td style="padding-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">110</td><td style="padding-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: xdx2ixbrl1850">—</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">611</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_430_c20240101__20241231_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_zB3bS5acNKD" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 0in">Balance at December 31, 2024</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">13,677</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,156</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,477</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">219</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1857">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">19,529</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_437_c20230101__20231231_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_ze3bu0x9ghz9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0in">Balance at December 31, 2022</td><td> </td> <td style="text-align: left">$</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_43B_c20230101__20231231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zAkdV5DAbdM2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Cumulative effect change in accounting principle</td><td style="padding-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__20231231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_z3PbJIuqD6Pc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">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: xdx2ixbrl1878">—</span></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></tr> <tr id="xdx_43B_c20230101__20231231_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zD1zgHuLhDta" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Provision (reversal) for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(292</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">728</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">665</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"><span style="-sec-ix-hidden: xdx2ixbrl1885">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,193</td><td style="text-align: left"> </td></tr> <tr id="xdx_434_c20230101__20231231_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_z9Rc032vD1J" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(764</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: xdx2ixbrl1889">—</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">(185</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: xdx2ixbrl1892">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,510</td><td style="text-align: left">)</td></tr> <tr id="xdx_432_c20230101__20231231_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zGC4A8w0Onoe" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in">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">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">348</td><td style="padding-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">88</td><td style="padding-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 style="border-bottom: Black 1pt solid; text-align: right">471</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_43F_c20230101__20231231_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_zp3qEioIXax6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 0in">Balance at December 31, 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">15,141</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,548</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,537</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">41</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1906">—</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">20,267</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">The following table presents information pertaining to the allowance for credit losses by segment Pre-ASC 326 CECL adoption for the year ended 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"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialRealEstateMember_z0U9Mbuw4B06" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial 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_zFJ9kyWRSjl7" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential 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_zuikhTZfe2ha" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial 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_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_zIbBKMTSD1ph" 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_zIHOosA4i1Uf" 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_z9OG8zJZG8E7" 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"> </td><td> </td> <td colspan="22" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -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_433_c20220101__20221231_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zYGnw1lAau4k" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 34%; font-weight: bold; text-indent: -0.9pt; padding-left: 0in">Balance at December 31, 2021</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">12,970</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">3,964</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">2,643</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">197</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">13</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--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_c20220101__20221231_z6IRl88H1Hnh" style="width: 8%; text-align: right" title="Beginning balance, allowance for credit losses">19,787</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_437_c20220101__20221231_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zUj8kPD8xVnj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Provision for (reversal of) for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(434</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">344</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">586</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">202</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">700</td><td style="text-align: left"> </td></tr> <tr id="xdx_433_c20220101__20221231_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_zdiNLDCcK0q" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(337</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(28</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">(216</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: xdx2ixbrl1929">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(673</td><td style="text-align: left">)</td></tr> <tr id="xdx_432_c20220101__20221231_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zQZo3xrky5hc" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl1932">—</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><td style="padding-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</td><td style="padding-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">62</td><td style="padding-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: xdx2ixbrl1936">—</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">117</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_430_c20220101__20221231_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_zWcnhYgjx7P9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 0in">Balance at December 31, 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">12,199</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_98F_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_c20220101__20221231_fKDEp_zxttyimViFD8" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance, allowance for credit losses">19,931</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <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="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_zi1sa6J0RL9b" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial 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_z517mP8oEZq" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential 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_zsCvCjC7EVIa" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial 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_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_zAkvPxy0gk17" 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_zKcaRHLlzLEe" 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_zPnaLj4dVFbi" 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"> </td><td> </td> <td colspan="22" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="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_431_c20240701__20240930_eus-gaap--OffBalanceSheetCreditLossLiabilityAbstract_iB_zoIcwpdqyCt6" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; padding-left: 0in">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; background-color: White"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_c20240101__20241231_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_zMuOvRzn87ch" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 34%; font-weight: bold; text-indent: -0.25pt; padding-left: 0in">Balance at December 31, 2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">375</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">59</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1958">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1959">—</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">597</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_434_c20240101__20241231_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_pn3n3_zbBjfWE2gcoi" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Provision (reversal) 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">81</td><td style="padding-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">93</td><td style="padding-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"><span style="-sec-ix-hidden: xdx2ixbrl1965">—</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: xdx2ixbrl1966">—</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">160</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_43A_c20240101__20241231_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_zaTW2l03GIrl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 0in">Balance at December 31, 2024</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">456</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">256</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">45</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1972">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1973">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">757</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_432_c20230101__20231231_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_zA34Fmyg96k8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0in">Balance at December 31, 2022</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1976">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1977">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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"><span style="-sec-ix-hidden: xdx2ixbrl1980">—</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: xdx2ixbrl1981">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_433_c20230101__20231231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_zcnmvRhk8P48" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">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: xdx2ixbrl1986">—</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: xdx2ixbrl1987">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--OffBalanceSheetCreditLossLiability_iS_c20230101__20231231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_zTPklHVmKrCh" style="text-align: right" title="Beginning balance">918</td><td style="text-align: left"> </td></tr> <tr id="xdx_43D_c20230101__20231231_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_pn3n3_zFSSG5dNQAh4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">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">(236</td><td style="padding-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">(104</td><td style="padding-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"><span style="-sec-ix-hidden: xdx2ixbrl1995">—</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: xdx2ixbrl1996">—</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--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_pn3n3_c20230101__20231231_zh83tYy0K3Bg" style="border-bottom: Black 1pt solid; text-align: right" title="Provision (reversal) for credit losses">(321</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_43D_c20230101__20231231_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_z3Y3VdviHzH1" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 0in">Balance at December 31, 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">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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">163</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">59</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2004">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2005">—</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_984_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_c20230101__20231231_zP6yUWRGoqHd" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance">597</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"></p> 15141000 2548000 2537000 41000 20267000 -1670000 761000 -212000 296000 -825000 46000 185000 65000 228000 524000 252000 32000 217000 110000 611000 13677000 3156000 2477000 219000 19529000 12199000 4312000 3160000 245000 15000 19931000 3989000 -2518000 -75000 -199000 -15000 1182000 16188000 1794000 3085000 46000 21113000 -292000 728000 665000 92000 1193000 764000 1561000 185000 2510000 9000 26000 348000 88000 471000 15141000 2548000 2537000 41000 20267000 12970000 3964000 2643000 197000 13000 19787000 19787000 -434000 344000 586000 202000 2000 700000 337000 28000 92000 216000 673000 32000 23000 62000 117000 12199000 4312000 3160000 245000 15000 19931000 19931000 375000 163000 59000 597000 81000 93000 -14000 160000 456000 256000 45000 757000 611000 267000 40000 918000 918000 -236000 -104000 19000 -321000 -321000 375000 163000 59000 597000 597000 872000 160000 872000 <p id="xdx_89B_eus-gaap--PastDueFinancingReceivablesTableTextBlock_z8oAS4tR3y9l" style="font: 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_8BA_z0rpdOxCice6">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> </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 Days Past 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 Days Past 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 or More 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 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 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="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>Nonperforming</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></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="26" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span style="text-decoration: underline">December 31, 2024</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"> <td style="text-align: left">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></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 37%; text-align: left">Non-owner occupied</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zfgqjUUcdwk" style="width: 6%; text-align: right">285</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zZkaocWdmeb1" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2029">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zb0FAhMq6pp4" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2030">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zEnqlsDg7Wia" style="width: 6%; text-align: right">285</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zuhi4OZUJb18" style="width: 6%; text-align: right">880,543</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonOwnerOccupiedMember_zJAZxx8szEb4" style="width: 6%; text-align: right">880,828</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonOwnerOccupiedMember_zYqO9c09S3U7" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2034">—</span></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">Owner occupied</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_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zPw8W8nFNE3d" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2035">—</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_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zgzPKH9uksUj" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2036">—</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_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zKKq1S9Od8Qe" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2037">—</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--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_z2vTh4DDvXFc" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2038">—</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_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zpxOFtsdyzka" style="border-bottom: Black 1pt solid; text-align: right">194,904</td><td style="padding-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_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwnerOccupiedMember_zc5532KND0Q1" style="border-bottom: Black 1pt solid; text-align: right">194,904</td><td style="padding-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--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwnerOccupiedMember_z4TGTrG1AByb" style="border-bottom: Black 1pt solid; text-align: right">330</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: 22.5pt">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zLwYkYkFLHo7" style="text-align: right">285</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zDTwoIlhVL02" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2043">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zOhMA7DT6dU9" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2044">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zlvFAaStsANi" style="text-align: right">285</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zHzQKB4MOsFb" style="text-align: right">1,075,447</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zaNG0Gmy5Ujd" style="text-align: right">1,075,732</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zEzOXvZk0H7c" style="text-align: right">330</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residential real estate: <br/></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zsmtkbsy3GS6" style="text-align: right">1,747</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_z5aE37bRH0e7" style="text-align: right">569</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zybk3doo7gbh" style="text-align: right">983</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zp8NrzpaArVk" style="text-align: right">3,299</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_z4sZfsszdM11" style="text-align: right">650,503</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_z9lwO8cdGuR7" style="text-align: right">653,802</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zIhBTcvFRp55" style="text-align: right">3,965</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zsG0KVJpuVy9" style="border-bottom: Black 1pt solid; text-align: right">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 id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zWil9iQTZXQi" style="border-bottom: Black 1pt solid; text-align: right">213</td><td style="padding-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_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zl1rxEdJUIHh" style="border-bottom: Black 1pt solid; text-align: right">317</td><td style="padding-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_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zdeVGR7GH252" style="border-bottom: Black 1pt solid; text-align: right">1,340</td><td style="padding-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_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_z7q0sQptdUN" style="border-bottom: Black 1pt solid; text-align: right">120,517</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_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_z3Cbx6eDTQsd" style="border-bottom: Black 1pt solid; text-align: right">121,857</td><td style="padding-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--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zc1DgP8Wz2e9" style="border-bottom: Black 1pt solid; text-align: right">408</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: 22.5pt">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zmEkYJfWsQ0e" style="text-align: right">2,557</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zNh1qpxnguF1" style="text-align: right">782</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zvxttdtbjLx9" style="text-align: right">1,300</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_z0Pl4SEqCIMf" style="text-align: right">4,639</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zcvIUp7IpUM" style="text-align: right">771,020</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zYbfBTKPFk09" style="text-align: right">775,659</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zl2fGG3cRD67" style="text-align: right">4,373</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zCSutEU6RKUl" style="text-align: right">60</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zAvG8zmAJGv4" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2071">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z7iDC7MUqJDd" style="text-align: right">1</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zTqlU8EjevI3" style="text-align: right">61</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zEgNbEpEpt7b" style="text-align: right">211,595</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zrIQHYTISxkh" style="text-align: right">211,656</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zRdKDte8OPe2" style="text-align: right">673</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt">Consumer</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_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zrDidKTRubPi" 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 id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zWPtG9hUf3wg" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2078">—</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_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zXm2X7C9QnAa" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2079">—</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_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zV50lCCnKSYg" 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 id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zhkqIwVeG44e" style="border-bottom: Black 1pt solid; text-align: right">4,381</td><td style="padding-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_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zWZMK2IvRAmj" style="border-bottom: Black 1pt solid; text-align: right">4,391</td><td style="padding-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--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zU5F3ZZ42N2i" style="border-bottom: Black 1pt solid; text-align: right">5</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: 2.5pt; text-indent: 10.5pt">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zknnVTP8pe9f" style="border-bottom: Black 2.5pt double; text-align: right">2,912</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zAsbpSMV9Lxb" style="border-bottom: Black 2.5pt double; text-align: right">782</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_znDCYZ9ocDLj" style="border-bottom: Black 2.5pt double; text-align: right">1,301</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_z2sEydPlBqSd" style="border-bottom: Black 2.5pt double; text-align: right">4,995</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_ziKh50eLRV3f" style="border-bottom: Black 2.5pt double; text-align: right">2,062,443</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20241231_zARa4sAtBCl7" style="border-bottom: Black 2.5pt double; text-align: right">2,067,438</td><td style="padding-bottom: 2.5pt; 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--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20241231_zsGWASlbE4h8" style="border-bottom: Black 2.5pt double; text-align: right">5,381</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <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> </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 Days Past 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 Days Past 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 or More 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 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 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="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>Nonperforming</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></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="26" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span style="text-decoration: underline">December 31, 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"> <td style="text-align: left">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></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 37%; text-align: left">Non-owner occupied</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateNonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zfZSGOO16wf3" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2091">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateNonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zbFY3jgoEao2" style="width: 6%; text-align: right">647</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateNonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zqeHzwbAIpAk" style="width: 6%; text-align: right">236</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateNonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_z71C6dE0V8d" style="width: 6%; text-align: right">883</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateNonOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zU8iu9hTgGW3" style="width: 6%; text-align: right">880,760</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateNonOwnerOccupiedMember_zViaeEefxdFa" style="width: 6%; text-align: right">881,643</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateNonOwnerOccupiedMember_zNnKHJkgXGZd" style="width: 6%; text-align: right">1,107</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">Owner occupied</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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zKneAaaNesEh" style="border-bottom: Black 1pt solid; text-align: right">272</td><td style="padding-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_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zg8qQ1B0DaO9" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2099">—</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--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zV3YrZPN6iF1" style="border-bottom: Black 1pt solid; text-align: right">167</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zWTyVBmbWsr9" style="border-bottom: Black 1pt solid; text-align: right">439</td><td style="padding-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_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOwnerOccupiedMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zPrBlXsg5fk7" style="border-bottom: Black 1pt solid; text-align: right">197,669</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOwnerOccupiedMember_zV0blbD7iryd" style="border-bottom: Black 1pt solid; text-align: right">198,108</td><td style="padding-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--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOwnerOccupiedMember_zFuobLlv0Y4" style="border-bottom: Black 1pt solid; text-align: right">240</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: 22.5pt">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zi5HItEMoFgk" style="text-align: right">272</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zBXEKHOXWvtk" style="text-align: right">647</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zfl4Qbvxcrxi" style="text-align: right">403</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zOjpmCTm9oX7" style="text-align: right">1,322</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zUQuoV0ul3i" style="text-align: right">1,078,429</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_z17I2xwm2277" style="text-align: right">1,079,751</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zK2EhoxuguK1" style="text-align: right">1,347</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residential real estate: <br/></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zANG9XH34ON7" style="text-align: right">2,354</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zWHgDoJ7dt9d" style="text-align: right">934</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_ztKvA9tq3pfd" style="text-align: right">881</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zCqE2OE5J1U1" style="text-align: right">4,169</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_z1Nl7mRvAhub" style="text-align: right">608,146</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zrbICX1Zo9xl" style="text-align: right">612,315</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zLE0WZLC2eL1" style="text-align: right">4,739</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Home equity</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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zlv3A0X2Pli4" style="border-bottom: Black 1pt solid; text-align: right">263</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_ztIFfh7C9ut8" style="border-bottom: Black 1pt solid; text-align: right">112</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zvU3KseH2Ccl" style="border-bottom: Black 1pt solid; text-align: right">102</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zkHXbF8cFSge" style="border-bottom: Black 1pt solid; text-align: right">477</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zDoGK2627Do8" style="border-bottom: Black 1pt solid; text-align: right">109,362</td><td style="padding-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_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zLdMapHlcn72" style="border-bottom: Black 1pt solid; text-align: right">109,839</td><td style="padding-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--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zlQrHIqQXEpa" style="border-bottom: Black 1pt solid; text-align: right">109</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-bottom: 1pt; padding-left: 22.5pt">Total</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zmLERvIzoaRl" style="border-bottom: Black 1pt solid; text-align: right">2,617</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zGksR2NnFKhi" style="border-bottom: Black 1pt solid; text-align: right">1,046</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zqfWqGE4O4Cc" style="border-bottom: Black 1pt solid; text-align: right">983</td><td style="padding-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_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zmS0Dk7CjhD5" style="border-bottom: Black 1pt solid; text-align: right">4,646</td><td style="padding-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--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zRbpHE8HNmRf" style="border-bottom: Black 1pt solid; text-align: right">717,508</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zGHerwygisud" style="border-bottom: Black 1pt solid; text-align: right">722,154</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 id="xdx_98C_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zsaGfIeJcju3" style="border-bottom: Black 1pt solid; text-align: right">4,848</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zSkosEeZ5Q03" style="text-align: right">20</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zjZmMimDslBc" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2134">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zePK1LznnfBb" style="text-align: right">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zY94x0Fa5Gob" style="text-align: right">28</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zxjvFZkP0VIl" style="text-align: right">217,419</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_znPf1ZQRKXgk" style="text-align: right">217,447</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zL3UxVy5X9Pb" style="text-align: right">218</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt">Consumer</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_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zClRQ4zzreI9" 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_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zbfwQXuSfMti" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2141">—</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--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zC0l2bWs1b9j" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2142">—</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--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zXUmE9LnQ0Si" 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_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zbai1xJd5jph" style="border-bottom: Black 1pt solid; text-align: right">5,469</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_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zKs9Imzqp9Wi" style="border-bottom: Black 1pt solid; text-align: right">5,472</td><td style="padding-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_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zqTpvp1My8R7" style="border-bottom: Black 1pt solid; text-align: right">8</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: 2.5pt; text-indent: 10.5pt">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zfBvh7MUHfi5" style="border-bottom: Black 2.5pt double; text-align: right">2,912</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zB2JNcpJjtwf" style="border-bottom: Black 2.5pt double; text-align: right">1,693</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zWPFzOVVLOL7" style="border-bottom: Black 2.5pt double; text-align: right">1,394</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zohjpp81R8Jl" style="border-bottom: Black 2.5pt double; text-align: right">5,999</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zwOb3WCFiD47" style="border-bottom: Black 2.5pt double; text-align: right">2,018,825</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231_zPl1qJOY7RYa" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans">2,024,824</td><td style="padding-bottom: 2.5pt; 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--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231_zkIYuEn2iMMl" style="border-bottom: Black 2.5pt double; text-align: right" title="Non-Accrual Loans">6,421</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 285000 285000 880543000 880828000 194904000 194904000 330000 285000 285000 1075447000 1075732000 330000 1747000 569000 983000 3299000 650503000 653802000 3965000 810000 213000 317000 1340000 120517000 121857000 408000 2557000 782000 1300000 4639000 771020000 775659000 4373000 60000 1000 61000 211595000 211656000 673000 10000 10000 4381000 4391000 5000 2912000 782000 1301000 4995000 2062443000 2067438000 5381000 647000 236000 883000 880760000 881643000 1107000 272000 167000 439000 197669000 198108000 240000 272000 647000 403000 1322000 1078429000 1079751000 1347000 2354000 934000 881000 4169000 608146000 612315000 4739000 263000 112000 102000 477000 109362000 109839000 109000 2617000 1046000 983000 4646000 717508000 722154000 4848000 20000 8000 28000 217419000 217447000 218000 3000 3000 5469000 5472000 8000 2912000 1693000 1394000 5999000 2018825000 2024824000 6421000 0.0024 0.0030 <p id="xdx_898_eus-gaap--ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_zUUBopJROFs6" style="font: 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 is a summary of the Company’s nonperforming loans by major categories at December 31, 2024 and December 31, 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> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="display: none"> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_481_ecustom--FinancingReceivableNonaccrualWithAllowance_iI_pn3n3_zJfmBVjscGOa" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_483_eus-gaap--FinancingReceivableNonaccrualNoAllowance_iI_pn3n3_zoNiKSOHLKd4" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_482_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_zPFoRN4FPUz5" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </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">As of December 31, 2024</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">For the Year Ended December 31, 2024</td><td style="padding-bottom: 1pt; 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">Nonperforming Loans with Allowance for 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">Nonperforming Loans Without Allowance for 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>Nonperforming 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">Accrued Interest Receivable Reversed from Income</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">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></tr> <tr id="xdx_418_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonowneroccupiedMember_zcdj99Kc7P13" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 13.5pt">Non-owner occupied</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2167">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2168">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2169">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonowneroccupiedMember_z30A4oqQkp89" style="text-align: right" title="Accrued Interest Receivable Reversed from Income"><span style="-sec-ix-hidden: xdx2ixbrl2171">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_41B_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwneroccupiedMember_zaMjahH3hsf1" style="vertical-align: bottom; background-color: White"> <td style="width: 40%; text-align: left; padding-bottom: 1pt; padding-left: 13.5pt">Owner occupied</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: 12%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2172">—</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: 12%; text-align: right">330</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: 12%; text-align: right">330</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_98E_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwneroccupiedMember_zP01wVMXfD0g" style="border-bottom: Black 1pt solid; width: 12%; text-align: right" title="Accrued Interest Receivable Reversed from Income"><span style="-sec-ix-hidden: xdx2ixbrl2176">—</span></td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_412_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zKRkmwLJB37d" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 31.5pt">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2177">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">330</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">330</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zGasN32mG0L1" style="text-align: right" title="Accrued Interest Receivable Reversed from Income"><span style="-sec-ix-hidden: xdx2ixbrl2181">—</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">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></tr> <tr id="xdx_41F_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zW4xLBgzpVGc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 9pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2182">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,965</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,965</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zxauxLfL1hX9" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">192</td><td style="text-align: left"> </td></tr> <tr id="xdx_419_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_z7FDRlPv41rd" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9pt">Home equity</td><td style="padding-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: xdx2ixbrl2187">—</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">408</td><td style="padding-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">408</td><td style="padding-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--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_ztI8BQzQjvV2" style="border-bottom: Black 1pt solid; text-align: right" title="Accrued Interest Receivable Reversed from Income">30</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_415_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialRealEstateMember_z8eLaizEWX7e" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 31.5pt">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,373</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,373</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialRealEstateMember_zfnxD5Tq3dN1" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">222</td><td style="text-align: left"> </td></tr> <tr id="xdx_418_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zfrHa40ubH4i" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2197">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">673</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">673</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zj2lhK17ij06" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">151</td><td style="text-align: left"> </td></tr> <tr id="xdx_411_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z4B1DC9oTne7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt">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"><span style="-sec-ix-hidden: xdx2ixbrl2202">—</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">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 style="border-bottom: Black 1pt solid; text-align: right">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_983_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zGZfFiCKzEd4" style="border-bottom: Black 1pt solid; text-align: right" title="Accrued Interest Receivable Reversed from Income"><span style="-sec-ix-hidden: xdx2ixbrl2206">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41F_20241231_zKdmK4BHmDOg" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total 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"><span style="-sec-ix-hidden: xdx2ixbrl2207">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,381</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,381</td><td style="padding-bottom: 2.5pt; 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--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20241231_zvtgxBARw7Ja" style="border-bottom: Black 2.5pt double; text-align: right" title="Accrued Interest Receivable Reversed from Income">373</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <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="display: none"> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_481_ecustom--FinancingReceivableNonaccrualWithAllowance_iI_pn3n3_z3y6cHqPZqde" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_483_eus-gaap--FinancingReceivableNonaccrualNoAllowance_iI_pn3n3_zMGxBtgd3uV8" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_482_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_zg69rEemeBB4" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </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">As of December 31, 2023</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">For the Year Ended December 31, 2023</td><td style="padding-bottom: 1pt; 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">Nonperforming Loans with Allowance for 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">Nonperforming Loans Without Allowance for 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>Nonperforming 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">Accrued Interest Receivable Reversed from Income</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">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></tr> <tr id="xdx_41A_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonowneroccupiedMember_zOPtwDqWiak5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; text-align: left; padding-left: 13.5pt">Non-owner occupied</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: xdx2ixbrl2212">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,107</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,107</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__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonowneroccupiedMember_znGURMY3xQ0l" style="width: 12%; text-align: right" title="Accrued Interest Receivable Reversed from Income">44</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_411_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwneroccupiedMember_zV1EUM7KsKM2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 13.5pt">Owner occupied</td><td style="padding-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: xdx2ixbrl2217">—</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">240</td><td style="padding-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">240</td><td style="padding-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--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwneroccupiedMember_zHNrbT34imZd" style="border-bottom: Black 1pt solid; text-align: right" title="Accrued Interest Receivable Reversed from Income">23</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41A_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zvQe5B1O85v8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 31.5pt">Total</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">1,347</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td 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--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zMI67VlKeYj2" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">67</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">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></tr> <tr id="xdx_416_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_z1alwA6Ya8za" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 9pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2227">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zYMCxyHXYmq5" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">182</td><td style="text-align: left"> </td></tr> <tr id="xdx_41C_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zk0212zwgG7" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9pt">Home equity</td><td style="padding-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: xdx2ixbrl2232">—</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">109</td><td style="padding-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">109</td><td style="padding-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--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zYfnDtKWWFPi" style="border-bottom: Black 1pt solid; text-align: right" title="Accrued Interest Receivable Reversed from Income">10</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_412_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialRealEstateMember_zQlSWRruxme1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 31.5pt">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,848</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,848</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialRealEstateMember_z8pasTxN0gwl" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">192</td><td style="text-align: left"> </td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_znnkjggaGlVj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2242">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">218</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">218</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zzFhI3KSng6g" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">159</td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z6QANSN7Vta5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt">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"><span style="-sec-ix-hidden: xdx2ixbrl2247">—</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</td><td style="padding-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</td><td style="padding-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--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zba5uRpF3ff5" style="border-bottom: Black 1pt solid; text-align: right" title="Accrued Interest Receivable Reversed from Income"><span style="-sec-ix-hidden: xdx2ixbrl2251">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41B_20231231_zdwHeoAqyY42" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total 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"><span style="-sec-ix-hidden: xdx2ixbrl2252">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,421</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,421</td><td style="padding-bottom: 2.5pt; 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--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20231231_znT3GOFgS0g4" style="border-bottom: Black 2.5pt double; text-align: right" title="Accrued Interest Receivable Reversed from Income">418</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 330000 330000 330000 330000 3965000 3965000 192000 408000 408000 30000 4373000 4373000 222000 673000 673000 151000 5000 5000 5381000 5381000 373000 1107000 1107000 44000 240000 240000 23000 1347000 1347000 67000 4739000 4739000 182000 109000 109000 10000 4848000 4848000 192000 218000 218000 159000 8000 8000 6421000 6421000 418000 0.0026 0.0032 1300000 13000000.0 <p id="xdx_898_ecustom--ScheduleOfindividuallyEvaluatedCollateralDependentLoansTableTextBlock_zxe8NoG1fjmb" style="font: 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 Company’s individually evaluated collateral dependent loans by class as of the dates indicated:</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> </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">As of December 31, 2024</td><td style="padding-bottom: 1pt; 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">Recorded 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 Allowance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; padding-left: 0in">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: White"> <td style="text-align: left; padding-left: 5.4pt">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="width: 74%; text-align: left; text-indent: 12.45pt; padding-left: 5.4pt">Non-owner occupied</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonowneroccupiedMember_zlVUH5bNBm69" style="width: 10%; text-align: right" title="Loans with no related allowance recorded, recorded investment">6,956</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; padding-bottom: 1pt; text-indent: 12.45pt; padding-left: 5.4pt">Owner occupied</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwneroccupiedMember_zLnQN6yo8o8b" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">1,285</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 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-indent: 21.45pt; padding-left: 5.4pt">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zALHbC0FkOwf" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">8,241</td><td style="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; padding-left: 5.4pt">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: 12.75pt; padding-left: 5.4pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zrDKeoPxgb5d" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">4,333</td><td style="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; padding-bottom: 1pt; text-indent: 12.75pt; padding-left: 5.4pt">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zZhFosnsEQv1" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">408</td><td style="padding-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-indent: 21.45pt; padding-left: 5.4pt">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialRealEstateMember_zKrfKlIF5pOf" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">4,741</td><td style="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; padding-left: 5.4pt">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z6D2Q4zNzJ32" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">776</td><td style="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-bottom: 1pt; padding-left: 5.4pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zhZL8EvvqXf6" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment"><span style="-sec-ix-hidden: xdx2ixbrl2287">—</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></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 21.75pt; padding-left: 5.4pt">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_985_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember_zqzGozomEXIc" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">13,758</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0in">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Commercial real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 12.45pt">Non-owner occupied</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="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; padding-left: 12.45pt">Owner occupied</td><td style="padding-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="padding-left: 21.45pt">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="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-left: 5.4pt">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-align: left; padding-left: 12.75pt">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-align: left; padding-bottom: 1pt; padding-left: 12.75pt">Home equity</td><td style="padding-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="padding-left: 21.45pt">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="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-left: 5.4pt">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zHZSHNdZkJOd" style="text-align: right" title="Loans with an allowance recorded, recorded investment">494</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zC8O6C1P3Mc7" style="text-align: right" title="Loans with an allowance recorded, related allowance">156</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 5.4pt">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: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 21.75pt; padding-left: 0in">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_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_zQotfNDhrkf8" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, recorded investment">494</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98D_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20241231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_z9L79GtjgXzg" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, related allowance">156</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Total individually evaluated loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20241231_znOSMedc374" style="border-bottom: Black 2.5pt double; text-align: right" title="Individually evaluated loans, recorded investment">14,252</td><td style="padding-bottom: 2.5pt; 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--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20241231_zBsd18TFpwcc" style="border-bottom: Black 2.5pt double; text-align: right">156</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 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> </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">As of December 31, 2023</td><td style="padding-bottom: 1pt; 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">Recorded 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 Allowance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; padding-left: 0in">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"> <td style="text-align: left; padding-left: 5.4pt">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="width: 74%; text-align: left; text-indent: 12.45pt; padding-left: 5.4pt">Non-owner occupied</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--NonowneroccupiedMember_zIZvgy2Xh4pg" style="width: 10%; text-align: right" title="Loans with no related allowance recorded, recorded investment">8,879</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; padding-bottom: 1pt; text-indent: 12.45pt; padding-left: 5.4pt">Owner occupied</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OwneroccupiedMember_zapEdhiEWAJ" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">1,769</td><td style="padding-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-indent: 21.45pt; padding-left: 5.4pt">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zdy1MJajMBul" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">10,648</td><td style="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; padding-left: 5.4pt">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: 12.75pt; padding-left: 5.4pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zAMVU8Du1Ku4" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">5,163</td><td style="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; padding-bottom: 1pt; text-indent: 12.75pt; padding-left: 5.4pt">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zYEYQr4kZpXl" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">109</td><td style="padding-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-indent: 21.45pt; padding-left: 5.4pt">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialRealEstateMember_zc7FxiTHMmXl" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">5,272</td><td style="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; padding-left: 5.4pt">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zZxyhyw1ZLV3" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">13,273</td><td style="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-bottom: 1pt; padding-left: 5.4pt">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--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zzfEDx4yrD59" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">8</td><td style="padding-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: 21.75pt; padding-left: 5.4pt">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_985_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember_zK6stohpla99" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">29,201</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0in">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Commercial real estate:</td><td> </td> <td style="text-align: left">$</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: White"> <td style="text-align: left; padding-left: 12.45pt">Non-owner occupied</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="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; padding-left: 12.45pt">Owner occupied</td><td style="padding-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="padding-left: 21.45pt">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="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-left: 5.4pt">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-align: left; padding-left: 12.75pt">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-align: left; padding-bottom: 1pt; padding-left: 12.75pt">Home equity</td><td style="padding-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="padding-left: 21.45pt">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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-left: 5.4pt">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zh7u6OMBNjH5" 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_98D_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zU4upuRuzydb" 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: White"> <td style="padding-bottom: 1pt; padding-left: 5.4pt">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: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 21.75pt; padding-left: 0in">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_989_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_zT0azb1w0iw3" 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">$</td><td id="xdx_986_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_zhx1KnvJiNX3" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, related allowance">179</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Total individually evaluated loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231_zwRD2dbHVdX5" style="border-bottom: Black 2.5pt double; text-align: right" title="Individually evaluated loans, recorded investment">29,718</td><td style="padding-bottom: 2.5pt; 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_98E_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20231231_zpwfgbjHvL51" style="border-bottom: Black 2.5pt double; text-align: right">179</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 6956000 1285000 8241000 4333000 408000 4741000 776000 13758000 494000 156000 494000 156000 14252000 156000 8879000 1769000 10648000 5163000 109000 5272000 13273000 8000 29201000 517000 179000 517000 179000 29718000 179000 <p id="xdx_896_eus-gaap--FinancingReceivableCreditQualityIndicatorsTableTextBlock_z2YVWduj0ro2" style="font: 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_zzTgM2Gr50dj">The following tables summarize the amortized cost basis by aggregate Pass and criticized categories of Special Mention and Substandard within the Company’s internal risk rating system by year of origination as of December 31, 2024 and 2023.</span> The tables also summarize gross charge-offs by year of origination for the years ended December 31, 2024 and 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> <table cellpadding="0" cellspacing="0" style="font: 8pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="display: none"> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_489_eus-gaap--FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_iI_pn3n3_zqhMiSTS8qY9" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_486_eus-gaap--FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_iI_pn3n3_zBzKcESxRCEk" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_48D_eus-gaap--FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_iI_pn3n3_zVXkGPN5VrR5" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_48C_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_iI_pn3n3_zowEj85eLvRi" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_484_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_iI_pn3n3_zyCq1RbX6y85" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_488_eus-gaap--FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_iI_pn3n3_z9cciOcblb1j" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_48B_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolving_iI_pn3n3_z0mgcpJHXv34" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_48E_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_iI_pn3n3_z6LzuwZ00cya" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_480_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_mtTotal1_zvp5e1qjVkpj" style="display: none"> </td> <td style="display: none"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="34" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of and Year Ended December 31, 2024</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="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="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Revolving Loans</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">2024</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><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">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 Loans Converted to 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="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="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; font-weight: bold; text-align: left; padding-left: 0in">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_419_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zebb5TsC7XWd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 19%; text-align: left; padding-left: 0in">Pass (Rated 1- 4)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">51,726</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">46,105</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">175,159</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">237,531</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">108,165</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">348,564</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">84,083</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">3,391</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">1,054,724</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_410_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zN98YW2uWd89" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Special Mention (Rated 5)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2344">—</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: xdx2ixbrl2345">—</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: xdx2ixbrl2346">—</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: xdx2ixbrl2347">—</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: xdx2ixbrl2348">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10,104</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">134</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: xdx2ixbrl2351">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10,238</td><td style="text-align: left"> </td></tr> <tr id="xdx_41B_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zIAZutnh79j9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2353">—</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: xdx2ixbrl2354">—</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: xdx2ixbrl2355">—</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: xdx2ixbrl2356">—</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">8,166</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">2,604</td><td style="padding-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: xdx2ixbrl2359">—</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: xdx2ixbrl2360">—</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">10,770</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41F_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_znFrdZTBOSYd" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Total commercial real estate loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">51,726</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">46,105</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">175,159</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">237,531</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">116,331</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">361,272</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">84,217</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,391</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,075,732</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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">$</td><td id="xdx_983_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_z7dVqn9BKNsb" style="text-align: right" title="Current period gross charge-offs, Prior">46</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-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_986_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zly8HSGEzxp2" style="text-align: right" title="Current period gross charge-offs">46</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0in">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_416_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_z3vhZHmWSpsd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">51,726</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">46,105</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">175,159</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">237,531</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">116,331</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">360,942</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">84,217</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,391</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,075,402</td><td style="text-align: left"> </td></tr> <tr id="xdx_41F_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_z2y2P3sIQM6f" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2384">—</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: xdx2ixbrl2385">—</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: xdx2ixbrl2386">—</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: xdx2ixbrl2387">—</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: xdx2ixbrl2388">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">330</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: xdx2ixbrl2390">—</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: xdx2ixbrl2391">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">330</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; font-weight: bold; text-align: left; padding-left: 0in">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_41E_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zjTYpqjyDwtk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">79,180</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">60,825</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">87,635</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">88,761</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">119,302</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">205,620</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,821</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2400">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">649,144</td><td style="text-align: left"> </td></tr> <tr id="xdx_416_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zAeiT7CzYvMe" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2402">—</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: xdx2ixbrl2403">—</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">425</td><td style="padding-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">355</td><td style="padding-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">380</td><td style="padding-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">3,498</td><td style="padding-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: xdx2ixbrl2408">—</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: xdx2ixbrl2409">—</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">4,658</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41A_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zacCBfnmbbgl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">79,180</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">60,825</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">88,060</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">89,116</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">119,682</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">209,118</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,821</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2418">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">653,802</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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">$</td><td id="xdx_98A_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zqClHXM4YQm" style="text-align: right" title="Current period gross charge-offs, Prior">59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-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_984_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zbE42fovTw11" style="text-align: right" title="Current period gross charge-offs">59</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="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-align: left; padding-left: 0in">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_41E_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zZItuPn58wo1" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">79,180</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">60,825</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">87,635</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">88,761</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">119,302</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">206,313</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,821</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2431">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">649,837</td><td style="text-align: left"> </td></tr> <tr id="xdx_412_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zUPir5iEmCQ8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2433">—</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: xdx2ixbrl2434">—</span></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><td> </td> <td style="text-align: left"> </td><td style="text-align: right">355</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">380</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,805</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: xdx2ixbrl2439">—</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: xdx2ixbrl2440">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,965</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="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; font-weight: bold; text-align: left; padding-left: 0in">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_417_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zChq5tTVhr58" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,509</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">8,699</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,196</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,801</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">6,264</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,998</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">68,920</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,062</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">121,449</td><td style="text-align: left"> </td></tr> <tr id="xdx_41E_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zxMS2k1aQvu6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0in">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">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: xdx2ixbrl2452">—</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">70</td><td style="padding-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: xdx2ixbrl2454">—</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: xdx2ixbrl2455">—</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: xdx2ixbrl2456">—</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">317</td><td style="padding-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</td><td style="padding-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">408</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41A_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zXBcP1SDQRah" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Total home equity loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">9,522</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">8,699</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">9,266</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,801</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,264</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">9,998</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">69,237</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,070</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">121,857</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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">20</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">99</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">126</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"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0in">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_416_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zvbn8fmRoFyc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,509</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">8,699</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,196</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,801</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">6,264</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,998</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">68,920</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,062</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">121,449</td><td style="text-align: left"> </td></tr> <tr id="xdx_413_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zFKOIR4TlHVh" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Nonperforming</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"><span style="-sec-ix-hidden: xdx2ixbrl2479">—</span></td><td style="text-align: left"> </td><td> </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"><span style="-sec-ix-hidden: xdx2ixbrl2481">—</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: xdx2ixbrl2482">—</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: xdx2ixbrl2483">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">317</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">408</td><td style="text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 8pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="34" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of and Year Ended December 31, 2024</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="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="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Revolving Loans</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">2024</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><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">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 Loans Converted to 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="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; font-weight: bold; text-align: left; padding-left: 0in">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_412_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zF07OQTg2vih" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 19%; text-align: left; padding-left: 0in">Pass (Rated 1- 4)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">29,346</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">19,096</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">27,609</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">27,371</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">14,859</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">22,117</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">58,852</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">64</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">199,314</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_419_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zMVFjyW8t7ub" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Special Mention (Rated 5)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2496">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">590</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">125</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: xdx2ixbrl2500">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">328</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">99</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: xdx2ixbrl2503">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,167</td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zxmWNHYlrRv7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2505">—</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">5,872</td><td style="padding-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: xdx2ixbrl2507">—</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: xdx2ixbrl2508">—</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">376</td><td style="padding-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">1,547</td><td style="padding-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">3,380</td><td style="padding-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: xdx2ixbrl2512">—</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">11,175</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41C_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zfEVfAcwPr91" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Total commercial and industrial loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">29,346</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">24,993</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">28,199</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">27,496</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,235</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">23,992</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">62,331</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">64</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">211,656</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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">$</td><td id="xdx_98A_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z05Kc7zZYSb7" style="text-align: right">56</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_iP3custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zGDxvOLzYAKa" style="text-align: right" title="Current period gross charge-offs, Revolving Loans Converted to Term Loans">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z7S76RYfJ9Sh" style="text-align: right">65</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0in">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_414_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zgLVOVVhSJu4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">29,346</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">24,993</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">28,199</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">27,496</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">15,235</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">23,468</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">62,182</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">64</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">210,983</td><td style="text-align: left"> </td></tr> <tr id="xdx_41D_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zEcVbqZqXWni" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2536">—</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: xdx2ixbrl2537">—</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: xdx2ixbrl2538">—</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: xdx2ixbrl2539">—</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: xdx2ixbrl2540">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">524</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">149</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: xdx2ixbrl2543">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">673</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"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; font-weight: bold; padding-left: 0in">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_417_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zWXHwVuHOCqi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">839</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,421</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">842</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">271</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">45</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">823</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2552">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,386</td><td style="text-align: left"> </td></tr> <tr id="xdx_415_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zU2psvHyCuHc" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2554">—</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: xdx2ixbrl2555">—</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: xdx2ixbrl2556">—</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: xdx2ixbrl2557">—</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: xdx2ixbrl2558">—</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">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 style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2560">—</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: xdx2ixbrl2561">—</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">5</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_415_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zdqZmsy9BTG3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Total consumer loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">839</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,421</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">842</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">271</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">45</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">150</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">823</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2570">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,391</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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">$</td><td id="xdx_980_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_maChargeOff_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zsmtCqYW6Vr" style="text-align: right">228</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20240101__20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zDj2X87t7aAk" style="text-align: right">228</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="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-align: left; padding-left: 0in">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_417_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zhMAXyQIP93j" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">839</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,421</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">842</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">271</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">45</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">145</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">823</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2581">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,386</td><td style="text-align: left"> </td></tr> <tr id="xdx_41C_20241231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zz3LJY3fQQ6l" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2583">—</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: xdx2ixbrl2584">—</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: xdx2ixbrl2585">—</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: xdx2ixbrl2586">—</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: xdx2ixbrl2587">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5</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</td><td style="text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 8pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="34" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of and Year Ended December 31, 2023</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </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="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Revolving Loans</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">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 Loans Converted to 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="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="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; font-weight: bold; text-align: left; padding-left: 0in">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_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zEwcTCGwily1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 19%; text-align: left; padding-left: 0in">Pass (Rated 1- 4)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">42,764</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">175,829</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">228,739</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">113,631</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">91,353</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">320,806</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">81,483</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">9,289</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">1,063,894</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_416_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zCSUyXOoDwCj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Special Mention (Rated 5)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2601">—</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: xdx2ixbrl2602">—</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: xdx2ixbrl2603">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">180</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">915</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,237</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: xdx2ixbrl2608">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,496</td><td style="text-align: left"> </td></tr> <tr id="xdx_41D_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zaLYv4yVEeZ3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2610">—</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: xdx2ixbrl2611">—</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: xdx2ixbrl2612">—</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">8,013</td><td style="padding-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: xdx2ixbrl2614">—</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">3,348</td><td style="padding-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: xdx2ixbrl2616">—</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: xdx2ixbrl2617">—</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">11,361</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_414_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_z6Q63XJBOkW2" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Total commercial real estate loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">42,764</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">175,829</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">228,739</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">121,824</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">92,268</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">327,391</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">81,647</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">9,289</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,079,751</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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">$</td><td id="xdx_98A_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zeXsRvuZiSpf" style="text-align: right" title="Current period gross charge-offs, Prior">764</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-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_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zeMr4yxrGYt1" style="text-align: right" title="Current period gross charge-offs">764</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0in">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_412_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zIDGlDctnoWf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">42,764</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">175,829</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">228,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">121,824</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">92,268</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">326,044</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">81,647</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,289</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,078,404</td><td style="text-align: left"> </td></tr> <tr id="xdx_41D_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zYD08n6JLy1h" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2641">—</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: xdx2ixbrl2642">—</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: xdx2ixbrl2643">—</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: xdx2ixbrl2644">—</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: xdx2ixbrl2645">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,347</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: xdx2ixbrl2647">—</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: xdx2ixbrl2648">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,347</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; font-weight: bold; text-align: left; padding-left: 0in">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_41B_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zyIZODzvtKCi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">59,257</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">88,213</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">94,290</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">125,917</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">54,263</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">174,688</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">10,401</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2657">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">607,029</td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_z5hxZQDmHCrh" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2659">—</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">495</td><td style="padding-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">445</td><td style="padding-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: xdx2ixbrl2663">—</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">3,899</td><td style="padding-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: xdx2ixbrl2665">—</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: xdx2ixbrl2666">—</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">5,286</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zWazY9xPWw3h" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">59,257</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">88,660</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">94,785</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">126,362</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">54,263</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">178,587</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">10,401</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2675">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">612,315</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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="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-align: left; padding-left: 0in">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_41D_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zaP91yBEWlp1" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">59,257</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">88,213</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">94,290</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">125,540</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">54,263</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">175,612</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">10,401</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2684">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">607,576</td><td style="text-align: left"> </td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zp9KeycjLAgg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2686">—</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">495</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">822</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: xdx2ixbrl2690">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,975</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: xdx2ixbrl2692">—</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: xdx2ixbrl2693">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,739</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="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; font-weight: bold; text-align: left; padding-left: 0in">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_41E_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zmTLccc8Sf98" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,937</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">10,885</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">6,861</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,108</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,234</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,261</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">60,115</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,329</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">109,730</td><td style="text-align: left"> </td></tr> <tr id="xdx_41B_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_z3sQzSdE4Y5g" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2704">—</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: xdx2ixbrl2705">—</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: xdx2ixbrl2706">—</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: xdx2ixbrl2707">—</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: xdx2ixbrl2708">—</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">7</td><td style="padding-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">90</td><td style="padding-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">12</td><td style="padding-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">109</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_ziEqWqLBOHV6" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Total home equity loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">9,937</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">10,885</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,861</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,108</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,234</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,268</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">60,205</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,341</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">109,839</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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="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-align: left; padding-left: 0in">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_417_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_ztQKgL97aZO7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,937</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">10,885</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">6,861</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,108</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,234</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,261</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">60,115</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,329</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">109,730</td><td style="text-align: left"> </td></tr> <tr id="xdx_41E_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zNyB5axPwnn7" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2731">—</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: xdx2ixbrl2732">—</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: xdx2ixbrl2733">—</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: xdx2ixbrl2734">—</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: xdx2ixbrl2735">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">90</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">12</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> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 8pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="34" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of and Year Ended December 31, 2023</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="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="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Revolving Loans</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">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 Loans Converted to 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="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; font-weight: bold; text-align: left; padding-left: 0in">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_412_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zEX2qdAqDgG" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 19%; text-align: left; padding-left: 0in">Pass (Rated 1- 4)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">31,108</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">35,705</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">26,553</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">19,780</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">19,765</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">8,825</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">57,393</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">69</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 6%; text-align: right">199,198</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_411_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zBxAXQzcAKVh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Special Mention (Rated 5)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2750">—</span></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"><span style="-sec-ix-hidden: xdx2ixbrl2752">—</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: xdx2ixbrl2753">—</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">498</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">707</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: xdx2ixbrl2757">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,314</td><td style="text-align: left"> </td></tr> <tr id="xdx_41F_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zSGqdFpZCVEh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2759">—</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: xdx2ixbrl2760">—</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">1,408</td><td style="padding-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">8,156</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 style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2763">—</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">85</td><td style="padding-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">7,286</td><td style="padding-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: xdx2ixbrl2766">—</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">16,935</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zQMshADr890d" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Total commercial and industrial loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">31,108</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">35,806</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">27,961</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">27,936</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">19,773</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">9,408</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">65,386</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">69</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">217,447</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_985_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedFiscalYearBeforeCurrentFiscalYear_iP2custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zzyKD729MdD7" style="text-align: right" title="Current period gross charge-offs, 2022">147</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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">$</td><td id="xdx_984_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zpjYL8ClCOCd" style="text-align: right">221</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_987_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_iP3custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zOSxT4fgCXwd" style="text-align: right" title="Current period gross charge-offs, Revolving Loans Converted to Term Loans">1,193</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zwFLsSKtQzrg" 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="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; padding-left: 0in">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_41A_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zR8e8KJCsNul" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">31,108</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">35,806</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">27,961</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">27,936</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">19,773</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,401</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">65,175</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">69</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">217,229</td><td style="text-align: left"> </td></tr> <tr id="xdx_41C_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zZZHBZ8hSNg7" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2792">—</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: xdx2ixbrl2793">—</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: xdx2ixbrl2794">—</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: xdx2ixbrl2795">—</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: xdx2ixbrl2796">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7</td><td style="text-align: left"> </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"><span style="-sec-ix-hidden: xdx2ixbrl2799">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">218</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"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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; font-weight: bold; padding-left: 0in">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_41C_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zqknuxQbZSha" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,168</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,381</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">524</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">241</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">68</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">270</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">812</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2808">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,464</td><td style="text-align: left"> </td></tr> <tr id="xdx_41B_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zKlC4c4inNWh" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl2810">—</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: xdx2ixbrl2811">—</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: xdx2ixbrl2812">—</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: xdx2ixbrl2813">—</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: xdx2ixbrl2814">—</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</td><td style="padding-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: xdx2ixbrl2816">—</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: xdx2ixbrl2817">—</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</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_418_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z7vBmq8L11i8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Total consumer loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,168</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,381</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">524</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">241</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">68</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">278</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">812</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2826">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,472</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</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_980_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolving_iP2custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z821PDUFq6S1" 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">$</td><td id="xdx_985_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zgCecXLfkQdf" style="text-align: right">182</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_znQX7nR9Bzff" style="text-align: right">185</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="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-align: left; padding-left: 0in">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_41A_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zpGp6M6y6cul" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,168</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,381</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">524</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">241</td><td style="text-align: left"> </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">271</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">811</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2839">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,464</td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zPWN7ejypHp2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2841">—</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: xdx2ixbrl2842">—</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: xdx2ixbrl2843">—</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: xdx2ixbrl2844">—</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: xdx2ixbrl2845">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7</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: xdx2ixbrl2848">—</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></tr> </table> 51726000 46105000 175159000 237531000 108165000 348564000 84083000 3391000 1054724000 10104000 134000 10238000 8166000 2604000 10770000 51726000 46105000 175159000 237531000 116331000 361272000 84217000 3391000 1075732000 46000 46000 51726000 46105000 175159000 237531000 116331000 360942000 84217000 3391000 1075402000 330000 330000 79180000 60825000 87635000 88761000 119302000 205620000 7821000 649144000 425000 355000 380000 3498000 4658000 79180000 60825000 88060000 89116000 119682000 209118000 7821000 653802000 59000 59000 79180000 60825000 87635000 88761000 119302000 206313000 7821000 649837000 425000 355000 380000 2805000 3965000 9509000 8699000 9196000 5801000 6264000 9998000 68920000 3062000 121449000 13000 70000 317000 8000 408000 9522000 8699000 9266000 5801000 6264000 9998000 69237000 3070000 121857000 9509000 8699000 9196000 5801000 6264000 9998000 68920000 3062000 121449000 13000 70000 317000 8000 408000 29346000 19096000 27609000 27371000 14859000 22117000 58852000 64000 199314000 25000 590000 125000 328000 99000 1167000 5872000 376000 1547000 3380000 11175000 29346000 24993000 28199000 27496000 15235000 23992000 62331000 64000 211656000 56000 9000 65000 29346000 24993000 28199000 27496000 15235000 23468000 62182000 64000 210983000 524000 149000 673000 839000 1421000 842000 271000 45000 145000 823000 4386000 5000 5000 839000 1421000 842000 271000 45000 150000 823000 4391000 228000 228000 839000 1421000 842000 271000 45000 145000 823000 4386000 5000 5000 42764000 175829000 228739000 113631000 91353000 320806000 81483000 9289000 1063894000 180000 915000 3237000 164000 4496000 8013000 3348000 11361000 42764000 175829000 228739000 121824000 92268000 327391000 81647000 9289000 1079751000 764000 764000 42764000 175829000 228739000 121824000 92268000 326044000 81647000 9289000 1078404000 1347000 1347000 59257000 88213000 94290000 125917000 54263000 174688000 10401000 607029000 447000 495000 445000 3899000 5286000 59257000 88660000 94785000 126362000 54263000 178587000 10401000 612315000 59257000 88213000 94290000 125540000 54263000 175612000 10401000 607576000 447000 495000 822000 2975000 4739000 9937000 10885000 6861000 7108000 5234000 7261000 60115000 2329000 109730000 7000 90000 12000 109000 9937000 10885000 6861000 7108000 5234000 7268000 60205000 2341000 109839000 9937000 10885000 6861000 7108000 5234000 7261000 60115000 2329000 109730000 7000 90000 12000 109000 31108000 35705000 26553000 19780000 19765000 8825000 57393000 69000 199198000 101000 8000 498000 707000 1314000 1408000 8156000 85000 7286000 16935000 31108000 35806000 27961000 27936000 19773000 9408000 65386000 69000 217447000 147000 221000 1193000 1561000 31108000 35806000 27961000 27936000 19773000 9401000 65175000 69000 217229000 7000 211000 218000 2168000 1381000 524000 241000 68000 270000 812000 5464000 8000 8000 2168000 1381000 524000 241000 68000 278000 812000 5472000 3000 182000 185000 2168000 1381000 524000 241000 68000 271000 811000 5464000 7000 1000 8000 <p id="xdx_89A_ecustom--ScheduleOfLoansRatedDetailsTableTextblock_zu47cLoe8KN8" style="font: 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 information about total loans rated Special Mention, Substandard, Doubtful or Loss for the periods noted.</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="display: none"> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_49C_20241231_zMsAETHn2LI2" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_49A_20231231_zFCUuy3GV0i5" style="display: none"> </td> <td style="display: none"> </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">December 31, 2024</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">December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollar in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Criticized loans:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zPt0Ovus28De" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; text-align: left; padding-left: 0.125in">Special Mention</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">11,405</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">5,810</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zzEJ7cQvfl93" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in">Substandard</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">27,016</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">33,699</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--InternalCreditAssessmentAxis__us-gaap--CriticizedMember_zyqZUa19H5t8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Total criticized loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">38,421</td><td style="padding-bottom: 2.5pt; 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--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--InternalCreditAssessmentAxis__us-gaap--CriticizedMember_znAe3YNZfJdf" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans">39,509</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_405_esrt--FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent_iI_pid_dp_uPure_hus-gaap--InternalCreditAssessmentAxis__us-gaap--CriticizedMember_zESMySG5ILvj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.25in">Total criticized loans as a percentage of total loans</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1.9</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1.9</td><td style="text-align: left">%</td></tr> </table> 11405000 5810000 27016000 33699000 38421000 39509000 39509000 0.019 0.019 <p id="xdx_80A_eus-gaap--PropertyPlantAndEquipmentDisclosureTextBlock_zgcg3L4UnjE" style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>4.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_825_zUFDHcndueu8">PREMISES AND EQUIPMENT</span></b></span></td> </tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_899_eus-gaap--PropertyPlantAndEquipmentTextBlock_zuF6ZfgDXvWg" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Premises and equipment are summarized 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; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="display: none; vertical-align: bottom"> <td style="display: none"> </td><td style="display: none; font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; display: none; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; display: none; font-weight: bold; text-align: center"> </td> <td id="xdx_494_20241231_zVVNIHrbsJy5" style="border-bottom: Black 1pt solid; display: none; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; display: none; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; display: none; font-weight: bold; text-align: center"> </td> <td colspan="2" id="xdx_49E_20231231_zKl2Qp1fxP9a" style="border-bottom: Black 1pt solid; display: none; font-weight: bold; text-align: center"> </td><td style="display: none; padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <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">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2024</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></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="7" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="7" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_40C_eus-gaap--PropertyPlantAndEquipmentGross_iI_pn3n3_hus-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LandMember_z2IcTZ8iTfR7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 74%">Land</td><td style="width: 1%"> </td> <td colspan="2" style="text-align: left">$</td><td style="width: 10%; text-align: right">6,239</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">6,239</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--PropertyPlantAndEquipmentGross_iI_pn3n3_hus-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingMember_zCuaBaPtCuB2" style="vertical-align: bottom; background-color: White"> <td>Buildings</td><td> </td> <td colspan="2" style="text-align: left"> </td><td style="text-align: right">28,451</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">28,231</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--PropertyPlantAndEquipmentGross_iI_pn3n3_hus-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember_zcbzE2WyRNv3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Leasehold improvements</td><td> </td> <td colspan="2" style="text-align: left"> </td><td style="text-align: right">3,472</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,472</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--PropertyPlantAndEquipmentGross_iI_pn3n3_hus-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--EquipmentAndFurnitureMember_zJDcEmQfhRNe" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Furniture and equipment</td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">24,164</td><td style="padding-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">23,268</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--PropertyPlantAndEquipmentGross_iI_pn3n3_maPPAENzasK_zdVojZE8RCH2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0.125in">Total</td><td> </td> <td colspan="2" style="text-align: left"> </td><td style="text-align: right">62,326</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">61,210</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td colspan="2" style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_di_msPPAENzasK_zMIRjgpl3HRi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Less: accumulated depreciation and amortization</td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(37,905</td><td style="padding-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">(35,635</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td colspan="2" style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_404_eus-gaap--PropertyPlantAndEquipmentNet_iTI_mtPPAENzasK_zr0Nza95rqg9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Premises and equipment, net</td><td style="padding-bottom: 2.5pt"> </td> <td colspan="2" style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">24,421</td><td style="padding-bottom: 2.5pt; 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">25,575</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A2_zTqsJ0XXAhLj" 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">Depreciation and amortization expense for the years ended December 31, 2024, 2023 and 2022 amounted to $<span id="xdx_904_eus-gaap--DepreciationAndAmortization_pn5n6_uUSD_c20240101__20241231_z7vE4FAlbps" title="Depreciation and amortization expense">2.2</span> million, $<span id="xdx_90F_eus-gaap--DepreciationAndAmortization_pn5n6_uUSD_c20230101__20231231_zLNuCFEUa4K5" title="Depreciation and amortization expense">2.2</span> million and $<span id="xdx_90F_eus-gaap--DepreciationAndAmortization_pn5n6_uUSD_c20220101__20221231_z7Xwf5uSJUWa" title="Depreciation and amortization expense">2.3</span> million, respectively.</span></p> <p id="xdx_899_eus-gaap--PropertyPlantAndEquipmentTextBlock_zuF6ZfgDXvWg" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Premises and equipment are summarized 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; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="display: none; vertical-align: bottom"> <td style="display: none"> </td><td style="display: none; font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; display: none; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; display: none; font-weight: bold; text-align: center"> </td> <td id="xdx_494_20241231_zVVNIHrbsJy5" style="border-bottom: Black 1pt solid; display: none; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; display: none; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; display: none; font-weight: bold; text-align: center"> </td> <td colspan="2" id="xdx_49E_20231231_zKl2Qp1fxP9a" style="border-bottom: Black 1pt solid; display: none; font-weight: bold; text-align: center"> </td><td style="display: none; padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <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">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2024</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></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="7" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="7" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_40C_eus-gaap--PropertyPlantAndEquipmentGross_iI_pn3n3_hus-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LandMember_z2IcTZ8iTfR7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 74%">Land</td><td style="width: 1%"> </td> <td colspan="2" style="text-align: left">$</td><td style="width: 10%; text-align: right">6,239</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">6,239</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--PropertyPlantAndEquipmentGross_iI_pn3n3_hus-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingMember_zCuaBaPtCuB2" style="vertical-align: bottom; background-color: White"> <td>Buildings</td><td> </td> <td colspan="2" style="text-align: left"> </td><td style="text-align: right">28,451</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">28,231</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--PropertyPlantAndEquipmentGross_iI_pn3n3_hus-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember_zcbzE2WyRNv3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Leasehold improvements</td><td> </td> <td colspan="2" style="text-align: left"> </td><td style="text-align: right">3,472</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,472</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--PropertyPlantAndEquipmentGross_iI_pn3n3_hus-gaap--PropertyPlantAndEquipmentByTypeAxis__custom--EquipmentAndFurnitureMember_zJDcEmQfhRNe" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Furniture and equipment</td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">24,164</td><td style="padding-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">23,268</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--PropertyPlantAndEquipmentGross_iI_pn3n3_maPPAENzasK_zdVojZE8RCH2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0.125in">Total</td><td> </td> <td colspan="2" style="text-align: left"> </td><td style="text-align: right">62,326</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">61,210</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td colspan="2" style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_di_msPPAENzasK_zMIRjgpl3HRi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Less: accumulated depreciation and amortization</td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(37,905</td><td style="padding-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">(35,635</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td colspan="2" style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_404_eus-gaap--PropertyPlantAndEquipmentNet_iTI_mtPPAENzasK_zr0Nza95rqg9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Premises and equipment, net</td><td style="padding-bottom: 2.5pt"> </td> <td colspan="2" style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">24,421</td><td style="padding-bottom: 2.5pt; 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">25,575</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 6239000 6239000 28451000 28231000 3472000 3472000 24164000 23268000 62326000 61210000 37905000 35635000 24421000 25575000 2200000 2200000 2300000 <p id="xdx_80F_eus-gaap--GoodwillAndIntangibleAssetsDisclosureTextBlock_zkOje6IflyEb" style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_828_z8KLk1sqalG8">GOODWILL AND OTHER INTANGIBLES</span></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 December 31, 2024 and December 31, 2023, the carrying value of the Company’s goodwill was <span id="xdx_906_eus-gaap--Goodwill_iI_pn3n3_dxL_c20241231_zRienCcwM7Fh" title="::XDX::12487"><span id="xdx_90F_eus-gaap--Goodwill_iI_pn3n3_dxL_c20231231_z2dc1zcke0Qg" title="::XDX::12487"><span style="-sec-ix-hidden: xdx2ixbrl2900"><span style="-sec-ix-hidden: xdx2ixbrl2901">$12.5</span></span></span></span> million. Goodwill is measured as the excess of the cost of a business combination over the sum of the amounts assigned to identifiable intangible assets acquired less liabilities assumed. Goodwill is not amortized but rather assessed for impairment annually or more frequently if circumstances warrant. Management has the option of first assessing qualitative factors, such as events and circumstances, to determine whether it is more likely than not, meaning a likelihood of more than 50%, the value of a reporting unit is less than its carrying amount. If, after considering all relevant events and circumstances, management determines it is not more likely than not the fair value of a reporting unit is less than its carrying amount, then performing an impairment test is unnecessary. At December 31, 2024 and December 31, 2023, the Company’s goodwill was related to the acquisition of Chicopee Bancorp, Inc. in October 2016. For the year ended December 31, 2024, management determined that it was not more likely than not the fair value of the reporting unit was less than its carrying amount. If management had determined otherwise, a fair value analysis would have been completed to determine the impairment and necessary write-down of goodwill.</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 Intangibles</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 Company recorded a core deposit intangible of $<span id="xdx_900_eus-gaap--FiniteLivedCoreDepositsGross_iI_pn5n6_c20241231__us-gaap--FiniteLivedIntangibleAssetsByMajorClassAxis__us-gaap--CoreDepositsMember_zjT8p4lYWoRb" title="Acquired core deposit intangible">4.5</span> million, which is being amortized over twelve years using the straight-line method. Amortization expense was $<span id="xdx_902_eus-gaap--AmortizationOfIntangibleAssets_pn3p0_c20240101__20241231_za75xnq4qAP" title="Amortization of core deposit intangible"><span id="xdx_90A_eus-gaap--AmortizationOfIntangibleAssets_pn3p0_c20230101__20231231_zACmAKDUcaxj" title="Amortization of core deposit intangible"><span id="xdx_907_eus-gaap--AmortizationOfIntangibleAssets_pn3p0_c20220101__20221231_zQ5S6Wo93fD4" title="Amortization of core deposit intangible">375,000</span></span></span> for each of the years ended December 31, 2024, 2023 and 2022, respectively. At December 31, 2024, future amortization of the core deposit intangible totaled $<span id="xdx_90C_ecustom--FiniteLivedIntangibleAssetsAmortizationExpenseYearOneToFive_iI_pn3p0_c20241231__us-gaap--FiniteLivedIntangibleAssetsByMajorClassAxis__us-gaap--CoreDepositsMember_zAJDKvhaceJ7" title="Future amortization of core deposit intangible assets years 1-5">375,000</span> for each of the next three years and $<span id="xdx_904_eus-gaap--FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive_iI_pn3p0_c20241231__us-gaap--FiniteLivedIntangibleAssetsByMajorClassAxis__us-gaap--CoreDepositsMember_zqwM5EeVKRzc" title="Future amortization of core deposit intangible assets thereafter">313,000</span> thereafter.</span></p> 4500000 375000 375000 375000 375000 313000 <p id="xdx_80F_eus-gaap--DepositLiabilitiesDisclosuresTextBlock_zrXdjDIwC71i" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>6.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_82E_z2VV0hDaH6xa">DEPOSITS</span></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 id="xdx_896_ecustom--ScheduleOfDepositsTableTextBlock_zfixQMZ8voP6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposit accounts, by type, are summarized as follows for the periods indicated:</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="display: none"> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_49E_20241231_z9GoFsOv1p53" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_494_20231231_zvkdSF7LyRDj" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center">At December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">2024</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">% of <br/> Total <br/> Deposits</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">2023</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">% of <br/> Total <br/> Deposits</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: -0.125in"> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_400_eus-gaap--InterestBearingDepositLiabilitiesAbstract_iB" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; padding-left: 0in">Demand and interest-bearing checking:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_eus-gaap--InterestBearingDomesticDepositDemand_i01I_pn3n3_maDzgKx_zXwDZpWkN9yc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: 10pt; padding-left: 0in">Interest-bearing checking accounts</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">150,348</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--PercentageOfInterestBearingDomesticDepositsToDepositsChecking_iI_pid_dp_uPure_c20241231_zatJG91B1429" style="width: 10%; text-align: right" title="Interest-bearing checking accounts percentage">6.7</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">131,031</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--PercentageOfInterestBearingDomesticDepositsToDepositsChecking_iI_pid_dp_uPure_c20231231_zaMzSf4ouZm9" style="width: 10%; text-align: right" title="Interest-bearing checking accounts percentage">6.1</td><td style="width: 1%; text-align: left">%</td></tr> <tr id="xdx_402_eus-gaap--NoninterestBearingDomesticDepositDemand_i01I_pn3n3_maDzgKx_ziIUcBjhI9D5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 10pt; padding-left: 0in">Demand deposit accounts</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">565,620</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PercentageOfInterestBearingDomesticDepositsToDeposits_iI_pid_dp_uPure_c20241231_zbTTapKqjFKh" style="text-align: right" title="Demand deposit accounts percentage">25.0</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">579,595</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PercentageOfInterestBearingDomesticDepositsToDeposits_iI_pid_dp_uPure_c20231231_z8P3NBVusq71" style="text-align: right" title="Demand deposit accounts percentage">27.0</td><td style="text-align: left">%</td></tr> <tr id="xdx_402_eus-gaap--DepositsByTypeAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0in">Savings:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_404_eus-gaap--DepositsSavingsDeposits_i01I_pn3n3_maDzgKx_zqVqeWRpZyf8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 10pt; padding-left: 0in">Regular savings accounts</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">181,618</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PercentageOfInterestBearingDomesticDepositsToDepositsSavings_iI_pid_dp_uPure_c20241231_zgH5Fw2kayk8" style="text-align: right" title="Regular savings accounts percentage">8.0</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">187,405</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PercentageOfInterestBearingDomesticDepositsToDepositsSavings_iI_pid_dp_uPure_c20231231_zlXMUVAa4UB1" style="text-align: right" title="Regular savings accounts percentage">8.8</td><td style="text-align: left">%</td></tr> <tr id="xdx_409_eus-gaap--DepositsMoneyMarketDeposits_i01I_pn3n3_maDzgKx_zprMMGmuQKb9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 10pt; padding-left: 0in">Money market accounts</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">661,478</td><td style="padding-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--PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket_iI_pid_dp_uPure_c20241231_zlsV6Xnj9wWe" style="border-bottom: Black 1pt solid; text-align: right" title="Money market accounts percentage">29.2</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">634,361</td><td style="padding-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--PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket_iI_pid_dp_uPure_c20231231_zcQvkHih7Ejj" style="border-bottom: Black 1pt solid; text-align: right" title="Money market accounts percentage">29.6</td><td style="padding-bottom: 1pt; text-align: left">%</td></tr> <tr id="xdx_408_ecustom--TotalCoreDeposits_pn3n3_mtDzgKx_maDeposit2_z95ENxqTHk8d" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0in">Total core deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,559,064</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--TotalCoreDepositsPercentage_iI_pid_dp_uPure_c20241231_z5YDlDB7pyq8" style="text-align: right" title="Total core deposits percentage">68.9</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,532,392</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--TotalCoreDepositsPercentage_iI_pid_dp_uPure_c20231231_zLxlBy6teCVl" style="text-align: right" title="Total core deposits percentage">71.5</td><td style="text-align: left">%</td></tr> <tr id="xdx_406_eus-gaap--TimeDeposits_iI_pn3n3_maDeposit2_zgSaERBaSq63" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0in">Time deposits</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">703,583</td><td style="padding-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--PercentageOfInterestBearingDomesticDepositsToDepositsTimeDeposits_iI_pid_dp_uPure_c20241231_zpoQtbYz2dI3" style="border-bottom: Black 1pt solid; text-align: right" title="Time deposits percentage">31.1</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 style="border-bottom: Black 1pt solid; text-align: right">611,352</td><td style="padding-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--PercentageOfInterestBearingDomesticDepositsToDepositsTimeDeposits_iI_pid_dp_uPure_c20231231_zWM1iWHlOh94" style="border-bottom: Black 1pt solid; text-align: right" title="Time deposits percentage">28.5</td><td style="padding-bottom: 1pt; text-align: left">%</td></tr> <tr id="xdx_40C_eus-gaap--Deposits_iTI_pn3n3_mtDeposit2_zQaTFJL9tqh9" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total deposits</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,262,647</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_988_eus-gaap--PercentageOfInterestBearingDomesticDepositsToDepositsOtherTimeDeposit_iI_pid_dp_uPure_c20241231_zt6MhCQHPof" style="border-bottom: Black 2.5pt double; text-align: right" title="Total deposits percentage">100.0</td><td style="padding-bottom: 2.5pt; 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">2,143,744</td><td style="padding-bottom: 2.5pt; 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--PercentageOfInterestBearingDomesticDepositsToDepositsOtherTimeDeposit_iI_pid_dp_uPure_c20231231_z3AhI1DtOyo9" style="border-bottom: Black 2.5pt double; text-align: right" title="Total deposits percentage">100.0</td><td style="padding-bottom: 2.5pt; text-align: left">%</td></tr> </table> <p id="xdx_8A1_zPwRMU8rm2I7" 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">There were $<span id="xdx_90C_ecustom--BrokeredDeposits_iI_pn5n6_c20241231_zXgAq0VH3BVk"><span id="xdx_908_ecustom--BrokeredDeposits_iI_pn5n6_c20231231_zBOfBtfCgCdc">1.7</span></span> million in brokered deposits reported within time deposits at December 31, 2024 and 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">Time deposits of $250,000 or more, which represent those exceeding the fully-insured FDIC limitation, totaled $<span id="xdx_901_ecustom--TimeDepositsOver250000_iI_pn5n6_c20241231_zvPJANUe5r0i" title="Time deposits $250,000 or more">234.4</span> million at December 31, 2024. Interest expense on time deposits of $250,000 or more totaled $<span id="xdx_907_ecustom--InterestExpenseOnTimeDeposits250000OrMore_pn5n6_c20240101__20241231_zvMqgf72KiNk">9.1</span> million and $<span id="xdx_908_ecustom--InterestExpenseOnTimeDeposits250000OrMore_pn5n6_c20230101__20231231_zAzReklmhCT">5.6</span> million for the years ended December 31, 2024 and 2023, 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_899_ecustom--ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_zLk4tjGp4PD2" style="font: 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 scheduled maturities of time deposits for the periods indicated 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: 40%; margin-right: auto"> <tr> <td> </td> <td> </td> <td> </td> <td> </td> <td id="xdx_498_20241231_znH6fKz2OYw2"> </td> <td> </td> <td> </td> <td> </td> <td id="xdx_49B_20231231_zDGzBWmN0u7i"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </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">At December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </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">2024</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></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_404_eus-gaap--TimeDepositMaturitiesYearOne_iI_pn3n3_maTDztyK_zAvzTx7pTYd7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 32%; text-align: right">2024</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: 31%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2982">—</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: 30%; text-align: right">596,292</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--TimeDepositMaturitiesYearTwo_iI_pn3n3_maTDztyK_zqnI7KLX0Wma" style="vertical-align: bottom; background-color: White"> <td style="text-align: right">2025</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">694,916</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,302</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--TimeDepositMaturitiesYearThree_iI_pn3n3_maTDztyK_zTgelllXElvg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right">2026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,186</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,170</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--TimeDepositMaturitiesYearFour_iI_pn3n3_maTDztyK_zsMMyIn6nA3" style="vertical-align: bottom; background-color: White"> <td style="text-align: right">2027</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,217</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">798</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--TimeDepositMaturitiesYearFive_iI_pn3n3_maTDztyK_zz0vkArBOb11" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right">2028</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,129</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,790</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--TimeDepositMaturitiesAfterYearFive_iI_pn3n3_maTDztyK_znxTID0biRFj" style="vertical-align: bottom; background-color: White"> <td style="text-align: right">2029</td><td style="padding-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">135</td><td style="padding-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: xdx2ixbrl2998">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--TimeDeposits_iTI_pn3n3_mtTDztyK_z4ygEz4cuJN2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total time deposits</b></span></td><td style="padding-bottom: 2.5pt; font-weight: bold; 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">703,583</td><td style="padding-bottom: 2.5pt; 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">611,352</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AE_zqzhQBXKxaal" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p id="xdx_899_ecustom--ScheduleOfInterestExpenseOnDepositsTableTextBlock_zSPc874sfYJ6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest expense on deposits for the years ended December 31, 2024, 2023 and 2022 is summarized 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; margin-left: auto; border-collapse: collapse; width: 70%; margin-right: auto"> <tr style="display: none"> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_49F_20240101__20241231_zpXXZZ6YyWh6" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_49B_20230101__20231231_zN59iCXS0fSj" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_49A_20220101__20221231_zxdfTtYEaN16" style="display: none"> </td> <td style="display: none"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -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">Years Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">2024</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"> </td><td> </td> <td colspan="10" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td> </td> <td colspan="10" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_406_eus-gaap--InterestExpenseDomesticDepositLiabilitiesSavings_pn3n3_maIEDz5Bt_zQFD1uA1U5o4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 31%; text-align: left; padding-left: 0in">Savings accounts</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">166</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">181</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">161</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--InterestExpenseDomesticDepositLiabilitiesMoneyMarket_pn3n3_maIEDz5Bt_zibbOIpACyN5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Money market accounts</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">12,242</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,529</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,187</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--InterestExpenseDomesticDepositLiabilitiesTimeDeposit_pn3n3_maIEDz5Bt_z7ZzWCkzg4ge" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Time deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">28,806</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15,898</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,474</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--InterestExpenseDepositLiabilitiesInterestBearingChecking_pn3n3_maIEDz5Bt_znGGTsvuJU9f" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Interest-bearing accounts</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,022</td><td style="padding-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">1,041</td><td style="padding-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">530</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--InterestExpenseDeposits_iT_pn3n3_mtIEDz5Bt_zFzbp0PBAiub" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.25in">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">42,236</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">26,649</td><td style="padding-bottom: 2.5pt; 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">5,352</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A5_zJJm1HYh5Gud" 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">Cash paid for interest on deposits totaled $<span id="xdx_904_ecustom--CashPaidForInterestOnDeposits_pn5n6_c20240101__20241231_zJDC02oCEDqa" title="Cash paid for interest on deposits">42.2</span> million, $<span id="xdx_90E_ecustom--CashPaidForInterestOnDeposits_pn5n6_c20230101__20231231_z70pySigsvdb" title="Cash paid for interest on deposits">26.4</span> million and $<span id="xdx_903_ecustom--CashPaidForInterestOnDeposits_pn5n6_c20220101__20221231_zQY4A0d787L" title="Cash paid for interest on deposits">5.3</span> million for years ended December 31, 2024, 2023 and 2022, respectively.</span></p> <p id="xdx_896_ecustom--ScheduleOfDepositsTableTextBlock_zfixQMZ8voP6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposit accounts, by type, are summarized as follows for the periods indicated:</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="display: none"> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_49E_20241231_z9GoFsOv1p53" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_494_20231231_zvkdSF7LyRDj" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center">At December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">2024</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">% of <br/> Total <br/> Deposits</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">2023</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">% of <br/> Total <br/> Deposits</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: -0.125in"> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_400_eus-gaap--InterestBearingDepositLiabilitiesAbstract_iB" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; padding-left: 0in">Demand and interest-bearing checking:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_eus-gaap--InterestBearingDomesticDepositDemand_i01I_pn3n3_maDzgKx_zXwDZpWkN9yc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: 10pt; padding-left: 0in">Interest-bearing checking accounts</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">150,348</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--PercentageOfInterestBearingDomesticDepositsToDepositsChecking_iI_pid_dp_uPure_c20241231_zatJG91B1429" style="width: 10%; text-align: right" title="Interest-bearing checking accounts percentage">6.7</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">131,031</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--PercentageOfInterestBearingDomesticDepositsToDepositsChecking_iI_pid_dp_uPure_c20231231_zaMzSf4ouZm9" style="width: 10%; text-align: right" title="Interest-bearing checking accounts percentage">6.1</td><td style="width: 1%; text-align: left">%</td></tr> <tr id="xdx_402_eus-gaap--NoninterestBearingDomesticDepositDemand_i01I_pn3n3_maDzgKx_ziIUcBjhI9D5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 10pt; padding-left: 0in">Demand deposit accounts</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">565,620</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PercentageOfInterestBearingDomesticDepositsToDeposits_iI_pid_dp_uPure_c20241231_zbTTapKqjFKh" style="text-align: right" title="Demand deposit accounts percentage">25.0</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">579,595</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PercentageOfInterestBearingDomesticDepositsToDeposits_iI_pid_dp_uPure_c20231231_z8P3NBVusq71" style="text-align: right" title="Demand deposit accounts percentage">27.0</td><td style="text-align: left">%</td></tr> <tr id="xdx_402_eus-gaap--DepositsByTypeAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0in">Savings:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_404_eus-gaap--DepositsSavingsDeposits_i01I_pn3n3_maDzgKx_zqVqeWRpZyf8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 10pt; padding-left: 0in">Regular savings accounts</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">181,618</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PercentageOfInterestBearingDomesticDepositsToDepositsSavings_iI_pid_dp_uPure_c20241231_zgH5Fw2kayk8" style="text-align: right" title="Regular savings accounts percentage">8.0</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">187,405</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PercentageOfInterestBearingDomesticDepositsToDepositsSavings_iI_pid_dp_uPure_c20231231_zlXMUVAa4UB1" style="text-align: right" title="Regular savings accounts percentage">8.8</td><td style="text-align: left">%</td></tr> <tr id="xdx_409_eus-gaap--DepositsMoneyMarketDeposits_i01I_pn3n3_maDzgKx_zprMMGmuQKb9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 10pt; padding-left: 0in">Money market accounts</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">661,478</td><td style="padding-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--PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket_iI_pid_dp_uPure_c20241231_zlsV6Xnj9wWe" style="border-bottom: Black 1pt solid; text-align: right" title="Money market accounts percentage">29.2</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">634,361</td><td style="padding-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--PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket_iI_pid_dp_uPure_c20231231_zcQvkHih7Ejj" style="border-bottom: Black 1pt solid; text-align: right" title="Money market accounts percentage">29.6</td><td style="padding-bottom: 1pt; text-align: left">%</td></tr> <tr id="xdx_408_ecustom--TotalCoreDeposits_pn3n3_mtDzgKx_maDeposit2_z95ENxqTHk8d" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0in">Total core deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,559,064</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--TotalCoreDepositsPercentage_iI_pid_dp_uPure_c20241231_z5YDlDB7pyq8" style="text-align: right" title="Total core deposits percentage">68.9</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,532,392</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--TotalCoreDepositsPercentage_iI_pid_dp_uPure_c20231231_zLxlBy6teCVl" style="text-align: right" title="Total core deposits percentage">71.5</td><td style="text-align: left">%</td></tr> <tr id="xdx_406_eus-gaap--TimeDeposits_iI_pn3n3_maDeposit2_zgSaERBaSq63" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0in">Time deposits</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">703,583</td><td style="padding-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--PercentageOfInterestBearingDomesticDepositsToDepositsTimeDeposits_iI_pid_dp_uPure_c20241231_zpoQtbYz2dI3" style="border-bottom: Black 1pt solid; text-align: right" title="Time deposits percentage">31.1</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 style="border-bottom: Black 1pt solid; text-align: right">611,352</td><td style="padding-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--PercentageOfInterestBearingDomesticDepositsToDepositsTimeDeposits_iI_pid_dp_uPure_c20231231_zWM1iWHlOh94" style="border-bottom: Black 1pt solid; text-align: right" title="Time deposits percentage">28.5</td><td style="padding-bottom: 1pt; text-align: left">%</td></tr> <tr id="xdx_40C_eus-gaap--Deposits_iTI_pn3n3_mtDeposit2_zQaTFJL9tqh9" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total deposits</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,262,647</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_988_eus-gaap--PercentageOfInterestBearingDomesticDepositsToDepositsOtherTimeDeposit_iI_pid_dp_uPure_c20241231_zt6MhCQHPof" style="border-bottom: Black 2.5pt double; text-align: right" title="Total deposits percentage">100.0</td><td style="padding-bottom: 2.5pt; 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">2,143,744</td><td style="padding-bottom: 2.5pt; 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--PercentageOfInterestBearingDomesticDepositsToDepositsOtherTimeDeposit_iI_pid_dp_uPure_c20231231_z3AhI1DtOyo9" style="border-bottom: Black 2.5pt double; text-align: right" title="Total deposits percentage">100.0</td><td style="padding-bottom: 2.5pt; text-align: left">%</td></tr> </table> 150348000 0.067 131031000 0.061 565620000 0.250 579595000 0.270 181618000 0.080 187405000 0.088 661478000 0.292 634361000 0.296 1559064000 0.689 1532392000 0.715 703583000 0.311 611352000 0.285 2262647000 1.000 2143744000 1.000 1700000 1700000 234400000 9100000 5600000 <p id="xdx_899_ecustom--ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_zLk4tjGp4PD2" style="font: 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 scheduled maturities of time deposits for the periods indicated 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: 40%; margin-right: auto"> <tr> <td> </td> <td> </td> <td> </td> <td> </td> <td id="xdx_498_20241231_znH6fKz2OYw2"> </td> <td> </td> <td> </td> <td> </td> <td id="xdx_49B_20231231_zDGzBWmN0u7i"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </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">At December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </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">2024</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></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_404_eus-gaap--TimeDepositMaturitiesYearOne_iI_pn3n3_maTDztyK_zAvzTx7pTYd7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 32%; text-align: right">2024</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: 31%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2982">—</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: 30%; text-align: right">596,292</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--TimeDepositMaturitiesYearTwo_iI_pn3n3_maTDztyK_zqnI7KLX0Wma" style="vertical-align: bottom; background-color: White"> <td style="text-align: right">2025</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">694,916</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,302</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--TimeDepositMaturitiesYearThree_iI_pn3n3_maTDztyK_zTgelllXElvg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right">2026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,186</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,170</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--TimeDepositMaturitiesYearFour_iI_pn3n3_maTDztyK_zsMMyIn6nA3" style="vertical-align: bottom; background-color: White"> <td style="text-align: right">2027</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,217</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">798</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--TimeDepositMaturitiesYearFive_iI_pn3n3_maTDztyK_zz0vkArBOb11" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right">2028</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,129</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,790</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--TimeDepositMaturitiesAfterYearFive_iI_pn3n3_maTDztyK_znxTID0biRFj" style="vertical-align: bottom; background-color: White"> <td style="text-align: right">2029</td><td style="padding-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">135</td><td style="padding-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: xdx2ixbrl2998">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--TimeDeposits_iTI_pn3n3_mtTDztyK_z4ygEz4cuJN2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total time deposits</b></span></td><td style="padding-bottom: 2.5pt; font-weight: bold; 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">703,583</td><td style="padding-bottom: 2.5pt; 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">611,352</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 596292000 694916000 9302000 5186000 3170000 1217000 798000 2129000 1790000 135000 703583000 611352000 <p id="xdx_899_ecustom--ScheduleOfInterestExpenseOnDepositsTableTextBlock_zSPc874sfYJ6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest expense on deposits for the years ended December 31, 2024, 2023 and 2022 is summarized 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; margin-left: auto; border-collapse: collapse; width: 70%; margin-right: auto"> <tr style="display: none"> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_49F_20240101__20241231_zpXXZZ6YyWh6" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_49B_20230101__20231231_zN59iCXS0fSj" style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td style="display: none"> </td> <td id="xdx_49A_20220101__20221231_zxdfTtYEaN16" style="display: none"> </td> <td style="display: none"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -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">Years Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">2024</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"> </td><td> </td> <td colspan="10" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td> </td> <td colspan="10" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_406_eus-gaap--InterestExpenseDomesticDepositLiabilitiesSavings_pn3n3_maIEDz5Bt_zQFD1uA1U5o4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 31%; text-align: left; padding-left: 0in">Savings accounts</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">166</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">181</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">161</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--InterestExpenseDomesticDepositLiabilitiesMoneyMarket_pn3n3_maIEDz5Bt_zibbOIpACyN5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Money market accounts</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">12,242</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,529</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,187</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--InterestExpenseDomesticDepositLiabilitiesTimeDeposit_pn3n3_maIEDz5Bt_z7ZzWCkzg4ge" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Time deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">28,806</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15,898</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,474</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--InterestExpenseDepositLiabilitiesInterestBearingChecking_pn3n3_maIEDz5Bt_znGGTsvuJU9f" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Interest-bearing accounts</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,022</td><td style="padding-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">1,041</td><td style="padding-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">530</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--InterestExpenseDeposits_iT_pn3n3_mtIEDz5Bt_zFzbp0PBAiub" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.25in">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">42,236</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">26,649</td><td style="padding-bottom: 2.5pt; 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">5,352</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 166000 181000 161000 12242000 9529000 3187000 28806000 15898000 1474000 1022000 1041000 530000 42236000 26649000 5352000 42200000 26400000 5300000 <p id="xdx_80C_eus-gaap--ShortTermDebtTextBlock_zyVP4vZjt8Wl" style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; 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_zLSXvO2MrOtd">SHORT-TERM BORROWINGS</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"> </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 a long-term basis, the Company intends to continue to increase its core deposits to fund loan growth. The Company also uses FHLB borrowings as part of the Company’s overall strategy to manage interest rate risk and liquidity risk. FHLB advances are secured by a blanket security agreement which requires the Company to maintain certain qualifying assets as collateral, principally certain residential real estate loans and commercial real estate loans and securities, not otherwise pledged. The maximum amount that the FHLB will advance to member institutions, including the Company, fluctuates from time to time in accordance with the policies of the FHLB. 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. Advances are made under several different credit programs with different lending standards, interest rates and range of maturities. The Company’s relationship with the FHLB is an integral component of the Company’s asset-liability management program. At December 31, 2024, the Company pledged $<span id="xdx_90B_eus-gaap--FinancialInstrumentsOwnedAtFairValue_iI_pn5n6_c20241231__us-gaap--PledgedStatusAxis__us-gaap--AssetPledgedAsCollateralMember__us-gaap--PledgingPurposeAxis__us-gaap--FederalHomeLoanBankAdvancesMember_zV9jIEUZ2L" title="Pledged collateral">906</span>.0 million of eligible collateral to support its borrowing capacity at 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">Short-term FHLB advances totaled $<span id="xdx_905_eus-gaap--ShortTermBorrowings_iI_pn5n6_c20231231__us-gaap--DebtInstrumentAxis__us-gaap--FederalHomeLoanBankBorrowingsMember_zQ39cZQ4dDnj" title="Short term borrowings">10</span>.0 million with a weighted average rate of <span id="xdx_901_eus-gaap--ShortTermDebtWeightedAverageInterestRate_iI_dp_c20231231__us-gaap--DebtInstrumentAxis__us-gaap--FederalHomeLoanBankBorrowingsMember_zhzpWYKrxVZh" title="Weighted average rate">5.56</span>% at December 31, 2023. There were no short-term FHLB advances outstanding at December 31, 2024. The Company also has a standing available overnight Ideal Way line of credit with the FHLB of $<span id="xdx_90E_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pn5n6_c20241231__us-gaap--LineOfCreditFacilityAxis__us-gaap--LineOfCreditMember_zENDfalMl5r2" title="Line of credit available"><span id="xdx_906_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pn5n6_c20231231__us-gaap--LineOfCreditFacilityAxis__us-gaap--LineOfCreditMember_zWNAbj2IvFCe" title="Line of credit available">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. At December 31, 2024 and 2023, the Company did not have an outstanding balance under the Ideal Way line of credit. At December 31, 2024, the Company had an immediate availability to borrow an additional <span id="xdx_90A_eus-gaap--DebtInstrumentUnusedBorrowingCapacityAmount_iI_pn5n6_c20241231__us-gaap--DebtInstrumentAxis__us-gaap--FederalHomeLoanBankBorrowingsMember_zE3FxC4CW3F" title="Borrowing capacity">$464.1</span> million from the FHLB, including the Ideal Way line of credit, based on qualified collateral pledged.</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">Other borrowings, held as collateral for customer swap arrangements, totaled $<span id="xdx_90F_eus-gaap--OtherBorrowings_iI_pn5n6_uUSD_c20241231_zDUbVchF8Z2j">5.4</span> million with a weighted average rate of <span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pid_dp_uPure_c20241231__us-gaap--DebtInstrumentAxis__custom--OtherBorrowingsMember_zAJWbZE9XD3i">4.33</span>% at December 31, 2024 and $<span id="xdx_908_eus-gaap--OtherBorrowings_iI_pn5n6_uUSD_c20231231_zwvZMjwL60Tj">6.1</span> million with a weighted average rate of <span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pid_dp_uPure_c20231231__us-gaap--DebtInstrumentAxis__custom--OtherBorrowingsMember_z9ae5edHUJlj">5.33</span>% at December 31, 2023, 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">As a member of the FRB, the Company may also borrow from the Federal Reserve Bank Discount Window (the “Discount Window”). At December 31, 2024 and 2023, the Company had an available line of credit of <span id="xdx_903_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pn5n6_c20241231__us-gaap--LineOfCreditFacilityAxis__custom--FederalReserveBankDiscountWindowMember_zLQFpUmvziii" title="Line of credit available">$382.9</span> million and <span id="xdx_909_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pn5n6_c20231231__us-gaap--LineOfCreditFacilityAxis__custom--FederalReserveBankDiscountWindowMember_zVtSkOsDhzNg" title="Line of credit available">$48.6</span> million, respectively, 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 eligible loan collateral and certain securities from the Company’s investment portfolio not otherwise pledged. At December 31, 2024 and 2023, the Company did not have an outstanding balance under the Discount Window.</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_904_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pdn6_c20241231__us-gaap--LineOfCreditFacilityAxis__custom--Bank1Member_ze70455VXU5l" title="Line of credit available"><span id="xdx_904_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pdn6_c20231231__us-gaap--LineOfCreditFacilityAxis__custom--Bank1Member_zHQ1VW5Ddx2" title="Line of credit available">15.0</span></span> million line of credit with a correspondent bank and a $<span id="xdx_905_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pdn6_c20241231__us-gaap--LineOfCreditFacilityAxis__custom--BankMember_zqf0EvsPnaD2" title="Line of credit available"><span id="xdx_901_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pdn6_c20231231__us-gaap--LineOfCreditFacilityAxis__custom--BankMember_zQbHKlpqG9he" title="Line of credit available">10.0</span></span> million line of credit with another correspondent bank, both at an interest rate determined and reset on a daily basis. As of December 31, 2024 and December 31, 2023, 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"><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: 10pt Times New Roman, Times, Serif"></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">Cash paid for interest on short-term borrowings totaled $<span id="xdx_909_eus-gaap--InterestPaid_pn3p0_c20240101__20241231__us-gaap--FinancialInstrumentAxis__us-gaap--ShortTermDebtMember_zh7U5KDX5mA" title="Cash paid for interest">600,000</span> for the year ended December 31, 2024 and $<span id="xdx_90E_eus-gaap--InterestPaid_pn5n6_c20220101__20221231__us-gaap--FinancialInstrumentAxis__us-gaap--ShortTermDebtMember_zg6WikPput1k">1.6</span> million for the year ended December 31, 2023.</span></p> 906000000 10000000 0.0556 9500000 9500000 464100000 5400000 0.0433 6100000 0.0533 382900000 48600000 15000000.0 15000000.0 10000000.0 10000000.0 600000 1600000 <p id="xdx_80C_eus-gaap--LongTermDebtTextBlock_zohPxWs5nuUj" style="font: 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-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_825_zuQwnEaOM9Ff">LONG-TERM DEBT</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"> </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">Cash paid for interest on long-term debt totaled $<span id="xdx_90B_eus-gaap--InterestPaid_pn5n6_c20240101__20241231__us-gaap--FinancialInstrumentAxis__us-gaap--LongTermDebtMember_ziNXnxTZ3k28" title="Cash paid for interest">9.6</span> million and $<span id="xdx_903_eus-gaap--InterestPaid_pn5n6_c20230101__20231231__us-gaap--FinancialInstrumentAxis__us-gaap--LongTermDebtMember_zE5WirvZMt1e" title="Cash paid for interest">2.1</span> million for the years ended December 31, 2024 and 2023, respectively. During the year ended December 31, 2024, interest previously accrued on Bank Term Funding Program (“BTFP”) advances was payable upon final maturity of the advances in May of 2024 and totaled <span id="xdx_906_eus-gaap--InterestPaid_pn5n6_c20240501__20240531__us-gaap--DebtInstrumentAxis__custom--BTFPAdvancesMember_z4v1xiFvMIbi" title="Cash paid for interest">$4.3</span> million.</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_ecustom--AdvancesFromFederalHomeLoanBankAndOtherBorrowingsMaturitiesTableTextBlock_z4YnrTkb23si" style="font: 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>FHLB Advances. </b><span id="xdx_8BE_zbtTmklCMKo3">The following advances are collateralized by a blanket lien on our residential real estate loans and certain eligible commercial real estate 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> <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: left"> </td><td style="padding-bottom: 1pt"> </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">Amount</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">Weighted Average Rate</td><td style="padding-bottom: 1pt; font-weight: bold"> </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="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2024</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">2024</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></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </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 style="vertical-align: bottom"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fixed-rate advances maturing:</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 39%; text-align: left; padding-left: 0.5in">2024</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--FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_iI_pn3n3_maLTA_c20241231_zUn407lVQBVg" style="width: 12%; text-align: right" title="2024"><span style="-sec-ix-hidden: xdx2ixbrl3075">—</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--FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_iI_pn3n3_maLTA_c20231231_zy0DDMSHA0G4" style="width: 12%; text-align: right">30,646</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--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate_iI_pid_dp_uPure_c20241231_zFwelurEKpQl" style="width: 12%; text-align: right" title="Weighted Average Rate, 2024"><span style="-sec-ix-hidden: xdx2ixbrl3078">—</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--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate_iI_pid_dp_uPure_c20231231_zEBHd3Ugrhlg" style="width: 12%; text-align: right" title="Weighted Average Rate, 2024">4.81</td><td style="width: 1%; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.5in">2025</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_iI_pn3n3_c20241231_zb8V4wAtNX6a" style="text-align: right" title="2025">25,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_iI_pn3n3_maLTA_c20231231_zss3MBBLLHr5" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3083">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate_iI_pid_dp_uPure_c20241231_zZ1XDgxTasRj" style="text-align: right" title="Weighted Average Rate, 2025">5.07</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate_iI_pid_dp_uPure_c20231231_zsU8RWy9Vm2a" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3086">—</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; padding-left: 0.5in">2026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate_iI_pn3n3_c20241231_zQ9DPgt7QEZc" style="text-align: right" title="2026">48,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate_iI_pn3n3_maLTA_c20231231_zFbIxNkdl6P9" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3089">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate_iI_pid_dp_uPure_c20241231_z2rpqIVus908" style="text-align: right" title="Weighted Average Rate, 2026">5.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate_iI_pid_dp_uPure_c20231231_z3HKAeQCiUFi" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3092">—</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.5in">2027</td><td style="padding-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--FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate_iI_pn3n3_c20241231_zDJLsch0fGdc" style="border-bottom: Black 1pt solid; text-align: right" title="2027">25,000</td><td style="padding-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--FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate_iI_pn3n3_maLTA_c20231231_zg7K2mbtGRad" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3095">—</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_987_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate_iI_pid_dp_uPure_c20241231_zMmM3aPKIBPc" style="padding-bottom: 1pt; text-align: right" title="Weighted Average Rate, 2027">4.83</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_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate_iI_pid_dp_uPure_c20231231_zXQVvv2ahSe3" style="padding-bottom: 1pt; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3098">—</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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total long-term advances</b></span></td><td style="padding-bottom: 2.5pt; font-weight: bold; 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--FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeFixedRate_iTI_pn3n3_c20241231_z7P2KRiDtDS8" style="border-bottom: Black 2.5pt double; text-align: right" title="Total long-term advances">98,000</td><td style="padding-bottom: 2.5pt; 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--FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeFixedRate_iTI_pn3n3_mtLTA_c20231231_zB35j0zWUNC5" style="border-bottom: Black 2.5pt double; text-align: right">30,646</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_987_ecustom--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRate_iI_pid_dp_uPure_c20241231_zNAPX01Y9xq2" style="padding-bottom: 2.5pt; text-align: right" title="Weighted average rate">4.97</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_987_ecustom--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRate_iI_pid_dp_uPure_c20231231_zFc6uiqohbwa" style="padding-bottom: 2.5pt; text-align: right" title="Weighted average rate">4.81</td><td style="padding-bottom: 2.5pt; text-align: left">%</td></tr> </table> <p id="xdx_8A2_zRq3pT3iNXy7" 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>BTFP Advances.</b> The Company utilized the BTFP, which was created in March 2023 to enhance banking system liquidity by allowing institutions to pledge certain securities at par value and borrow at a rate of ten basis points over the one-year overnight index swap rate. The BTFP was available to federally insured depository institutions in the U.S., with advances having a term of up to one year with no prepayment penalties. The BTFP ceased extending new advances in March 2024. At December 31, 2023, the outstanding balance under the BTFP was $<span id="xdx_902_eus-gaap--LongTermDebt_iI_pn5n6_c20231231__us-gaap--DebtInstrumentAxis__custom--BTFPAdvancesMember_zFh1l3lzG5r6" title="Long-term debt">90.0</span> million. There was no outstanding balance at December 31, 2024.</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>Subordinated Debt. </b>On April 20, 2021, the Company completed an offering of $<span id="xdx_90E_eus-gaap--DebtInstrumentFaceAmount_c20210420__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_pn6n6" title="Principal amount">20.0</span> million in aggregate principal amount of its <span id="xdx_908_eus-gaap--DebtInstrumentInterestRateStatedPercentage_iI_pid_dp_uPure_c20241231__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember__us-gaap--DebtInstrumentRedemptionPeriodAxis__us-gaap--DebtInstrumentRedemptionPeriodOneMember_zP1bmh6wg39c" 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 December 31, 2024, $<span id="xdx_90A_eus-gaap--SubordinatedDebt_iI_pn5n6_c20241231__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zBdugqFR4L5" title="Subordinated debt">19.8</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_c20240101__20241231__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zEiT3w862nQ8" title="Maturity Date">May 1, 2031</span>. 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 <span id="xdx_908_eus-gaap--DebtInstrumentInterestRateStatedPercentage_iI_dp_uPure_c20241231__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember__us-gaap--DebtInstrumentRedemptionPeriodAxis__us-gaap--DebtInstrumentRedemptionPeriodOneMember_zgZALL4kRJK1">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_901_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20240101__20241231__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember__us-gaap--DebtInstrumentRedemptionPeriodAxis__us-gaap--DebtInstrumentRedemptionPeriodTwoMember_zjCViGqz9ope" title="Benchmark rate">90-day average secured overnight financing rate</span>, plus <span id="xdx_905_eus-gaap--DebtInstrumentBasisSpreadOnVariableRate1_pp4p4_uPure_c20240101__20241231__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember__us-gaap--DebtInstrumentRedemptionPeriodAxis__us-gaap--DebtInstrumentRedemptionPeriodTwoMember_zxl0wSLmMeAi" 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_90A_eus-gaap--DebtInstrumentRedemptionPeriodStartDate_c20240101__20241231__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zeWDYz21hVQf" 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_90B_eus-gaap--DeferredFinanceCostsNet_iI_pn3p0_c20241231__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zu6U2fxVIGV4" title="Issuance costs">249,000</span> as of December 31, 2024, which are being amortized into interest expense over the life of the Notes. Amortization of issuance costs into interest expense was $<span id="xdx_908_eus-gaap--AmortizationOfFinancingCosts_pn3p0_c20240101__20241231__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_z3XMoBC8Vcv2" title="Amortization of issuance costs"><span id="xdx_90B_eus-gaap--AmortizationOfFinancingCosts_pn3p0_c20230101__20231231__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zfxs4Q3TSsL3" title="Amortization of issuance costs">39,000</span></span> for each of the years ended December 31, 2024 and 2023.</span></p> 9600000 2100000 4300000 <p id="xdx_892_ecustom--AdvancesFromFederalHomeLoanBankAndOtherBorrowingsMaturitiesTableTextBlock_z4YnrTkb23si" style="font: 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>FHLB Advances. </b><span id="xdx_8BE_zbtTmklCMKo3">The following advances are collateralized by a blanket lien on our residential real estate loans and certain eligible commercial real estate 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> <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: left"> </td><td style="padding-bottom: 1pt"> </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">Amount</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">Weighted Average Rate</td><td style="padding-bottom: 1pt; font-weight: bold"> </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="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2024</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">2024</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></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </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 style="vertical-align: bottom"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fixed-rate advances maturing:</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 39%; text-align: left; padding-left: 0.5in">2024</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--FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_iI_pn3n3_maLTA_c20241231_zUn407lVQBVg" style="width: 12%; text-align: right" title="2024"><span style="-sec-ix-hidden: xdx2ixbrl3075">—</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--FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_iI_pn3n3_maLTA_c20231231_zy0DDMSHA0G4" style="width: 12%; text-align: right">30,646</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--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate_iI_pid_dp_uPure_c20241231_zFwelurEKpQl" style="width: 12%; text-align: right" title="Weighted Average Rate, 2024"><span style="-sec-ix-hidden: xdx2ixbrl3078">—</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--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate_iI_pid_dp_uPure_c20231231_zEBHd3Ugrhlg" style="width: 12%; text-align: right" title="Weighted Average Rate, 2024">4.81</td><td style="width: 1%; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.5in">2025</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_iI_pn3n3_c20241231_zb8V4wAtNX6a" style="text-align: right" title="2025">25,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_iI_pn3n3_maLTA_c20231231_zss3MBBLLHr5" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3083">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate_iI_pid_dp_uPure_c20241231_zZ1XDgxTasRj" style="text-align: right" title="Weighted Average Rate, 2025">5.07</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate_iI_pid_dp_uPure_c20231231_zsU8RWy9Vm2a" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3086">—</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; padding-left: 0.5in">2026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate_iI_pn3n3_c20241231_zQ9DPgt7QEZc" style="text-align: right" title="2026">48,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate_iI_pn3n3_maLTA_c20231231_zFbIxNkdl6P9" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3089">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate_iI_pid_dp_uPure_c20241231_z2rpqIVus908" style="text-align: right" title="Weighted Average Rate, 2026">5.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate_iI_pid_dp_uPure_c20231231_z3HKAeQCiUFi" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3092">—</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.5in">2027</td><td style="padding-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--FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate_iI_pn3n3_c20241231_zDJLsch0fGdc" style="border-bottom: Black 1pt solid; text-align: right" title="2027">25,000</td><td style="padding-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--FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate_iI_pn3n3_maLTA_c20231231_zg7K2mbtGRad" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3095">—</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_987_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate_iI_pid_dp_uPure_c20241231_zMmM3aPKIBPc" style="padding-bottom: 1pt; text-align: right" title="Weighted Average Rate, 2027">4.83</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_eus-gaap--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate_iI_pid_dp_uPure_c20231231_zXQVvv2ahSe3" style="padding-bottom: 1pt; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3098">—</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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total long-term advances</b></span></td><td style="padding-bottom: 2.5pt; font-weight: bold; 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--FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeFixedRate_iTI_pn3n3_c20241231_z7P2KRiDtDS8" style="border-bottom: Black 2.5pt double; text-align: right" title="Total long-term advances">98,000</td><td style="padding-bottom: 2.5pt; 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--FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeFixedRate_iTI_pn3n3_mtLTA_c20231231_zB35j0zWUNC5" style="border-bottom: Black 2.5pt double; text-align: right">30,646</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_987_ecustom--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRate_iI_pid_dp_uPure_c20241231_zNAPX01Y9xq2" style="padding-bottom: 2.5pt; text-align: right" title="Weighted average rate">4.97</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_987_ecustom--FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRate_iI_pid_dp_uPure_c20231231_zFc6uiqohbwa" style="padding-bottom: 2.5pt; text-align: right" title="Weighted average rate">4.81</td><td style="padding-bottom: 2.5pt; text-align: left">%</td></tr> </table> 30646000 0.0481 25000000 0.0507 48000000 0.0500 25000000 0.0483 98000000 30646000 0.0497 0.0481 90000000.0 20000000.0 0.04875 19800000 2031-05-01 0.04875 90-day average secured overnight financing rate 0.0412 2026-05-01 249000 39000 39000 <p id="xdx_80A_eus-gaap--DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_zeQh6heFQcq8" 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-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>9.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_829_zJxtEvtm6Pfe">STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN</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"> </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"> </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 share-based compensation plan (the “2021 Omnibus Plan”). Under the 2021 Omnibus Plan, up to <span id="xdx_902_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_iI_c20210514__us-gaap--AwardTypeAxis__custom--StockCompensationPlan2014Member_zz8zXsWIjWg1" 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 Omnibus 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 2021 Omnibus 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_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--StockCompensationPlanMember__us-gaap--GranteeStatusAxis__us-gaap--ShareBasedPaymentArrangementEmployeeMember_zTDkYH6KH1r2" title="Vesting period::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl3134">three-year</span></span> term for employees and a <span id="xdx_902_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--StockCompensationPlanMember__us-gaap--GranteeStatusAxis__us-gaap--ShareBasedPaymentArrangementNonemployeeMember_zThE1dGL5ZAb" title="::XDX::P1Y"><span style="-sec-ix-hidden: xdx2ixbrl3135">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"><b>2021 Long-Term Incentive Plan.</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 May 2021, the Committee granted <span id="xdx_900_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member_ze1gkTFtkGX6" title="Shares granted">122,362</span> shares under the 2021 Long-Term LTI Plan (the “2021 LTI Plan”). Of the <span id="xdx_901_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member_z41km7QcRN6j" title="Shares granted">122,362</span> shares granted, <span id="xdx_90F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_z9o9swNxw9ie">61,181</span> shares, or <span id="xdx_90D_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_pid_dp_uPure_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zRRpLj1EELy5" title="Vesting percentage">50</span>% of the shares granted, were time-based restricted shares that were scheduled to vest ratably over a three-year period. The remaining <span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zWOdU5XsRQy6">61,181</span> shares, or <span id="xdx_901_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_pid_dp_uPure_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zsNPZKmCe6fi" title="Vesting percentage">50</span>% of the shares granted, were performance-based restricted shares which were subject to the achievement of the 2021 LTI Plan performance 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">The Committee selected Return on Average Equity (“ROE”) and Three-Year Cumulative Diluted Earnings per Share (“EPS”) as the primary performance metrics for the 2021 LTI Plan. Each of these two measures were independently assigned a 50% weight for determining future performance against goals. Performance-based restricted shares will be earned based upon the Company’s performance relative to Threshold, Target and Stretch absolute goals on an annual performance period for ROE metrics and for a three-year cumulative performance period for EPS. For each performance-based goal, achieving Threshold performance pays at <span id="xdx_909_ecustom--SharebasedCompensationArrangementBySharebasedPaymentAwardTargetValuePercentagePaid_pid_dp_uPure_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember__us-gaap--VestingAxis__custom--ThresholdMember_zAVnHOU1kpAb" title="Target value percentage paid">50</span>% of Target value, while achieving Stretch performance pays at <span id="xdx_90F_ecustom--SharebasedCompensationArrangementBySharebasedPaymentAwardTargetValuePercentagePaid_pid_dp_uPure_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember__us-gaap--VestingAxis__custom--StretchMember_z0uVVNQGFlm2" title="Target value percentage paid">150</span>% of Target value. The performance-based shares will be certified by the Committee and 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_z0sXg9mx9uS4" style="font: 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_zYhqjYdX7Gm2">The Threshold, Target and Stretch metrics under the 2021 LTI Plan 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; width: 100%; border-collapse: collapse"> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_498_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--ThresholdMember_zE4KokwmQrFb" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_49B_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--TargetMember_zBpurInqhQga" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_493_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--StretchMember_z5HGr6UDzyWc" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td colspan="2" id="xdx_493_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--ActualMember_zfs7g8SXChrl" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="8" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ROE Metrics</b></span></td></tr> <tr> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; width: 39%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td> <td style="white-space: nowrap; width: 2%; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; width: 13%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td> <td style="white-space: nowrap; vertical-align: bottom; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; width: 12%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td> <td style="vertical-align: top; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: bottom; width: 14%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td> <td style="border-bottom: Black 1pt solid; vertical-align: top; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: top; width: 10%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Actual</b></span></td> <td style="width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_40A_ecustom--PercentageOfPerformanceEarnedDuringYearOne_pid_dp_uPure_znN6RGCrPHhj" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2021</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.63%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.25%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.50%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.64%</span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_402_ecustom--PercentageOfPerformanceEarnedDuringYearTwo_pid_dp_uPure_zjHPPAGfHZWg" style="background-color: White"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2022</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.85%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.50%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.80%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.85%</span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_405_ecustom--PercentageOfPerformanceEarnedDuringYearThree_pid_dp_uPure_zUcmhc0H2G62" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2023</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.08%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.75%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.10%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.47%</span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_498_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--ThresholdMember_zuV2CRwt6yIh" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_49B_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--TargetMember_z7nCACGcM6l6" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_49D_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--StretchMember_zn4WBNwCG6Al" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_499_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--ActualMember_zczqP2w0Qxkb" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td> </td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="7" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>EPS Metrics</b></span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 39%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 13%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 12%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 14%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td> <td style="border-bottom: Black 1pt solid; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Actual</b></span></td> <td style="width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_40E_ecustom--ThreeYearCumulativeDilutedEPS_pid_uUSDPShares_zd3QdMeTOJni" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Three-Year Cumulative Diluted EPS</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1.58</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1.97</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.36</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.90</span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> </table> <p id="xdx_8A5_zf9fom8sMSza" 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">At December 31, 2023, the three-year performance period for the 2021 LTI Plan ended. The 2021 LTI Plan included a “catch-up” provision allowing unearned performance-based restricted shares from the 2021 and 2022 performance periods to be earned at the end of the three-year period based on the ROE and EPS for the final year. At December 31, 2023, the Company achieved Stretch, and granted <span id="xdx_901_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_z6jBas3Q5c6e">69,376</span> performance-based restricted shares to eligible participants in the first quarter of 2024.</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: 10pt Times New Roman, Times, Serif"></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>2022 Long-Term Incentive Plan.</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 March 2022, the Committee granted <span id="xdx_906_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zGxejtPvgq96">119,376</span> shares under the 2022 Long-Term LTI Plan (the “2022 LTI Plan”). Of the <span id="xdx_90A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zKYBUZosdzXi">119,376</span> shares granted, <span id="xdx_908_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zPBi7OMk9pxk">59,688</span> shares, or <span id="xdx_902_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_pid_dp_uPure_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zCc8biXV1e4a" title="Vesting percentage">50</span>% of the shares granted, were time-based restricted shares that are scheduled to vest ratably over a <span id="xdx_909_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zOFGVdK3AE91" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl3179">three-year</span></span> period. The remaining <span id="xdx_902_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_z3IYU0DxnBW">59,688</span> shares, or <span id="xdx_90B_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_pid_dp_uPure_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zhYFDlzjDN89" title="Vesting percentage">50</span>% of the shares granted, were performance-based restricted shares that are subject to the achievement of the 2022 LTI Plan performance 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">The Committee selected ROE and EPS as the primary performance metrics for the 2022 LTI Plan. Each of these two measures were independently assigned a 50% weight for determining future performance against goals. Performance-based restricted shares will be earned based upon the Company’s performance relative to Threshold, Target and Stretch absolute goals on an annual performance period for ROE metrics and for a three-year cumulative performance period for EPS. For each performance-based goal, achieving Threshold performance pays at <span id="xdx_904_ecustom--SharebasedCompensationArrangementBySharebasedPaymentAwardTargetValuePercentagePaid_pid_dp_uPure_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember__us-gaap--VestingAxis__custom--ThresholdMember_zqRH4ZtivT8i">50</span>% of Target value, while achieving Stretch performance pays at <span id="xdx_901_ecustom--SharebasedCompensationArrangementBySharebasedPaymentAwardTargetValuePercentagePaid_pid_dp_uPure_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember__us-gaap--VestingAxis__custom--StretchMember_zbbPEHuRdX9i">150</span>% of Target value. The performance-based restricted shares will be certified by the Committee and 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_89A_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2022TableTextBlock_zpiz20vMOG69" style="font: 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_8B4_z93TWbooOCPd">The Threshold, Target and Stretch metrics under the 2022 LTI Plan 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; width: 100%; border-collapse: collapse"> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_49C_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--ThresholdMember_ziUpqlQfuorl" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_493_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--TargetMember_zUVtiCaBXsR5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_495_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--StretchMember_zUjSC7lzq413" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ROE Metrics</b></span></td> </tr> <tr> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 42%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 18%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_408_ecustom--PercentageOfPerformanceEarnedDuringYearFour_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zGTQhbo41oFb" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2022</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.79%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.20%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.61%</span></td></tr> <tr id="xdx_408_ecustom--PercentageOfPerformanceEarnedDuringYearFive_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zumfgBUERkbd" style="background-color: White"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2023</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.93%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.35%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.77%</span></td></tr> <tr id="xdx_40B_ecustom--PercentageOfPerformanceEarnedDuringYearSix_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_z08wpqRnSTY" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2024</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.03%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.45%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.87%</span></td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_49C_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--ThresholdMember_z61OHvGrfdV9" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_493_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--TargetMember_zAMNMTNjaL27" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_495_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--StretchMember_zmluw9Cj91Jg" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>EPS Metrics</b></span></td> </tr> <tr> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 42%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 18%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_408_ecustom--ThreeYearCumulativeEarningsPerShareDilutedTwo_pid_uUSDPShares_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zXCk9EBggKgi" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Three-Year Cumulative Diluted EPS</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.35</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.61</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.85</span></td></tr> </table> <p id="xdx_8A6_zjJPrD8rzUIh" 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">At December 31, 2024, the three-year performance period for the 2022 LTI Plan ended. The Compensation Committee will certify the results of the 2022 LTI Plan on or about, but no later than March 15, 2025.</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>2022 Annual Equity Retainer.</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 March 2022, under the Company’s 2021 Omnibus Plan, each non-employee director received an annual equity retainer of <span id="xdx_903_ecustom--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsPerDirectorInPeriod_pid_uShares_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--GranteeStatusAxis__us-gaap--ShareBasedPaymentArrangementNonemployeeMember__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zNpgTSlaUYL7" title="Shares granted per director">1,975</span> time-based restricted shares of WNEB common stock. In total, <span id="xdx_900_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber_iI_pid_uShares_c20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--GranteeStatusAxis__us-gaap--ShareBasedPaymentArrangementNonemployeeMember__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_z4ZA8VBXBRV8" title="Shares granted and fully vested">17,775</span> shares were granted and fully vested on 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> <p style="font: 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>2023 Long-Term Incentive Plan.</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 March 2023, the Committee granted <span id="xdx_909_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_z5IuNku4wRse">120,998</span> shares under the 2023 Long-Term LTI Plan (the “2023 LTI Plan”). Of the <span id="xdx_909_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zLIYOeIif8Yj">120,998</span> shares granted, <span id="xdx_90F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zzZcAqQjGbk8">60,499</span> shares, or <span id="xdx_90A_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_pid_dp_uPure_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_z5ODeOCTg1D7">50</span>% of the shares granted, were time-based restricted shares and vest ratably over a <span id="xdx_90A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_pid_dxL_uShares_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zc3eUTbQDqZ2" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl3211">three-year</span></span> period. The remaining <span id="xdx_906_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zPDwLwU85e7">60,499</span> shares, or <span id="xdx_900_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_pid_dp_uPure_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zB9uSsY5mU9a">50</span>% of the shares granted, were performance-based restricted shares that are subject to the achievement of the 2023 LTI Plan performance 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">The Committee selected ROE and EPS as the primary performance metrics for the 2023 LTI Plan. Each of these two measures were independently assigned a 50% weight for determining future performance against goals. Performance-based restricted shares will be earned based upon the Company’s performance relative to Threshold, Target and Stretch absolute goals on an annual performance period for ROE metrics and for a three-year cumulative performance period for EPS. For each performance-based goal, achieving Threshold performance pays at <span id="xdx_907_ecustom--SharebasedCompensationArrangementBySharebasedPaymentAwardTargetValuePercentagePaid_pid_dp_uPure_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember__us-gaap--VestingAxis__custom--ThresholdMember_zLdURtdDPn65">50</span>% of Target value, while achieving Stretch performance pays at <span id="xdx_901_ecustom--SharebasedCompensationArrangementBySharebasedPaymentAwardTargetValuePercentagePaid_pid_dp_uPure_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember__us-gaap--VestingAxis__custom--StretchMember_zKdcv35H6Vy8">150</span>% of Target value. The performance-based restricted shares will be certified by the Committee and 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 style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"></span></p> <p id="xdx_896_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2023TableTextBlock_zV0iAbdlLD0f" style="font: 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_z1EcLNgKjgp3">The Threshold, Target and Stretch metrics under the 2023 LTI Plan 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; width: 100%; border-collapse: collapse"> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_49B_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--ThresholdMember_zzuRbhgjzkdk" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_49E_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--TargetMember_ziFIN6XCL80j" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_490_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--StretchMember_zFo9wjk3ZEF9" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ROE Metrics</b></span></td> </tr> <tr> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 42%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 18%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_406_ecustom--PercentageOfPerformanceEarnedDuringYearSeven_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zxWSRdI2Qmw6" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2023</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.00%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.45%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.85%</span></td></tr> <tr id="xdx_40B_ecustom--PercentageOfPerformanceEarnedDuringYearEight_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_z1VF2rFeyIqc" style="background-color: White"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2024</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.75%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.25%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.75%</span></td></tr> <tr id="xdx_40A_ecustom--PercentageOfPerformanceEarnedDuringYearNine_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zyIXoefAGIbf" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2025</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.00%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.50%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.00%</span></td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_49D_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--ThresholdMember_zijwu7qQWty4" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_49F_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--TargetMember_zHVrezkuX3zd" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_49C_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--StretchMember_zgljR3Svvvd4" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>EPS Metrics</b></span></td> </tr> <tr> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 42%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 18%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_401_ecustom--ThreeYearCumulativeEarningsPerShareDilutedThree_pid_uUSDPShares_zE0NlOm0QtM" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Three-Year Cumulative Diluted EPS</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.39</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.65</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.89</span></td></tr> </table> <p id="xdx_8A8_z6KJJ6J9Vb88" 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>2023 Annual Equity Retainer.</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 March 2023, under the Company’s 2021 Omnibus Plan, each non-employee director received an annual equity retainer of <span id="xdx_904_ecustom--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsPerDirectorInPeriod_pid_uShares_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--GranteeStatusAxis__us-gaap--ShareBasedPaymentArrangementNonemployeeMember__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zKslllpHlbub">2,022</span> time-based restricted shares of WNEB common stock. In total, <span id="xdx_905_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber_iI_pid_uShares_c20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--GranteeStatusAxis__us-gaap--ShareBasedPaymentArrangementNonemployeeMember__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zevltbwBg1p8">18,198</span> shares were granted and fully vested on December 31, 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"><b>2024 Long-Term Incentive Plan.</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 March 2024, the Committee granted <span id="xdx_908_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member_zWT2Y8bpm4Mi">146,422</span> shares under the 2024 Long-Term LTI Plan (the “2024 LTI Plan”). Of the <span id="xdx_90B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member_znQCAkTdGtF3">146,422</span> shares granted, <span id="xdx_909_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zWsVAixRTg78">73,211</span> shares, or <span id="xdx_90A_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_pid_dp_uPure_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zEkfd5JqGQg2">50</span>% of the shares granted, were time-based restricted shares that are scheduled to vest ratably over a <span id="xdx_909_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_pid_dxL_uShares_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zM5FMfETUkod" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl3241">three-year</span></span> period. The remaining <span id="xdx_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zm8nySXS2Hye">73,211</span> shares, or <span id="xdx_906_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_pid_dp_uPure_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zHJPct4VXaRf">50</span>% of the share granted, were performance-based restricted shares that are subject to the achievement of the 2024 LTI Plan performance 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">The Committee selected ROE and EPS as the primary performance metrics for the 2024 LTI Plan. Each of these two measures were independently assigned a 50% weight for determining future performance against goals. Performance-based restricted shares will be earned based upon the Company’s performance relative to Threshold, Target and Stretch absolute goals on an annual performance period for ROE metrics and for a three-year cumulative performance period for EPS. For each performance-based goal, achieving Threshold performance pays at <span id="xdx_901_ecustom--SharebasedCompensationArrangementBySharebasedPaymentAwardTargetValuePercentagePaid_pid_dp_uPure_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember__us-gaap--VestingAxis__custom--ThresholdMember_zEtcCEpcXxpe">50</span>% of Target value, while achieving Stretch performance pays at <span id="xdx_900_ecustom--SharebasedCompensationArrangementBySharebasedPaymentAwardTargetValuePercentagePaid_pid_dp_uPure_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember__us-gaap--VestingAxis__custom--StretchMember_zIuBuIWuwpp8">150</span>% of Target value. The performance-based restricted shares will be certified by the Committee and 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_89C_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2024TableTextBlock_zONI7ZVY7Lk2" style="font: 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_8BA_z2MjopeVnsYf">The Threshold, Target and Stretch metrics under the 2024 LTI Plan 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; width: 100%; border-collapse: collapse"> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_49D_20240101__20241231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--ThresholdMember_zbLYXSeNIAb5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_494_20240101__20241231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--TargetMember_z2amt4oDxwQ7" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_49A_20240101__20241231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--StretchMember_z4rEkL8HKmTc" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ROE Metrics</b></span></td> </tr> <tr> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 42%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 18%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_409_ecustom--PercentageOfPerformanceEarnedDuringYearTen_pid_dp_uPure_zqOaLK8Y1rOk" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2024</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.05%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.61%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.17%</span></td></tr> <tr id="xdx_40B_ecustom--PercentageOfPerformanceEarnedDuringYearEleven_pid_dp_uPure_zvRj3YITR2m" style="background-color: White"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2025</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.18%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.86%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.55%</span></td></tr> <tr id="xdx_409_ecustom--PercentageOfPerformanceEarnedDuringYearTwelve_pid_dp_uPure_zD4feNlI6hK7" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2026</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.30%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.11%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.92%</span></td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_49F_20240101__20241231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--ThresholdMember_z084ZtMXlrY1" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_492_20240101__20241231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--TargetMember_zXj776MowU6l" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_493_20240101__20241231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--StretchMember_zRu0JwoDlGg5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"> </td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><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>EPS Metrics </b></span></p></td> </tr> <tr> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_409_ecustom--ThreeYearCumulativeEarningsPerShareDilutedFour_pid_uUSDPShares_zZHYbFcia3Nb" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Three-Year Cumulative Diluted EPS</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.25</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.50</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.75</span></td></tr> <tr style="background-color: White"> <td style="width: 42%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 18%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> </tr> </table> <p id="xdx_8A0_z7wtWpT81sPf" style="margin-top: 0; margin-bottom: 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"><b>2024 Annual Equity Retainer.</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">In March 2024, under the Company’s 2021 Omnibus Plan, each non-employee director received an annual equity retainer of <span id="xdx_90A_ecustom--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsPerDirectorInPeriod_pid_uShares_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--GranteeStatusAxis__us-gaap--ShareBasedPaymentArrangementNonemployeeMember__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zFnOnMonUJJk">2,384</span> time-based restricted shares of WNEB common stock. In total, 21,456 shares were granted and there were <span id="xdx_90B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber_iI_pid_uShares_c20241231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--GranteeStatusAxis__us-gaap--ShareBasedPaymentArrangementNonemployeeMember__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zRAwljk4Y5Y4">19,072</span> shares that fully vested on December 31, 2024.</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">At December 31, 2024, there were <span id="xdx_90C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_iI_pid_uShares_c20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member_zEqGOalYi1v2" title="Shares available for grant">123,587</span> remaining shares available to grant under the 2021 Omnibus Plan.</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_890_eus-gaap--NonvestedRestrictedStockSharesActivityTableTextBlock_z8h0A0KKmIv1" 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_8B0_zSpU7YXoUb3f">A summary of the status of unvested restricted stock awards at December 31, 2024 and 2023 is presented below:</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="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">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; white-space: nowrap; 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 Grant</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Date Fair 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="width: 64%; padding-left: 0in">Balance at December 31, 2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iS_pid_uShares_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zPwIMaFsOZ5d" style="width: 15%; text-align: right" title="Beginning balance">220,635</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="white-space: nowrap; width: 1%; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iS_pp2p0_uUSDPShares_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zc5MKI6FGOv1" style="white-space: nowrap; width: 15%; text-align: right" title="Beginning balance">9.29</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Shares granted</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zLkTLxeEDMyj" style="text-align: right" title="Shares granted">187,049</td><td style="text-align: left"> </td><td> </td> <td style="white-space: nowrap; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z0mAHHrcfkpd" style="white-space: nowrap; text-align: right" title="Shares granted">8.38</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">Shares forfeited</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_iN_pid_di_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zvCSvnRmxQY" style="text-align: right" title="Shares forfeited">(2,384</td><td style="text-align: left">)</td><td> </td> <td style="white-space: nowrap; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zcpdiBdbY2fc" style="white-space: nowrap; text-align: right" title="Shares forfeited">8.39</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 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_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_iN_pid_di_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zCuuJI38SIsk" style="border-bottom: Black 1pt solid; text-align: right" title="Shares vested">(150,568</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="white-space: nowrap; padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zhOnykcpPGqk" style="white-space: nowrap; padding-bottom: 1pt; text-align: right" title="Shares vested">8.65</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; padding-bottom: 2.5pt; padding-left: 0in">Balance at December 31, 2024</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iE_pid_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zIcIOkY32Je6" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance">254,732</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="white-space: nowrap; padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iE_pp2p0_uUSDPShares_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zTS2VeI7gU0i" style="white-space: nowrap; padding-bottom: 2.5pt; text-align: right" title="Ending balance">9.01</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <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-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">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; white-space: nowrap; 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 Grant</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>Date Fair 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="width: 64%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Balance at December 31, 2022</span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iS_pid_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zaUX8figW7j6" style="width: 15%; text-align: right">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_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iS_pp2p0_uUSDPShares_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z0oytfPc2jna" style="width: 15%; text-align: right">8.85</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares granted</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zAoejvJ0FTi2" style="text-align: right">158,957</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zujieOTyQvGg" style="text-align: right">9.79</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-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares forfeited</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_iN_pid_di_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z7n5dveiNXwe" style="text-align: right">(4,219</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zP6t1e6B8mzg" style="text-align: right">9.57</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares vested</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_iN_pid_di_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zUFVZizwpqqb" style="border-bottom: Black 1pt solid; text-align: right">(140,195</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_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zSlNLIraKYxl" style="padding-bottom: 1pt; text-align: right">9.21</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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Balance at December 31, 2023</b></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iE_pid_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zRhZeUp7X4O3" style="border-bottom: Black 2.5pt double; text-align: right">220,635</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_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iE_pp2p0_uUSDPShares_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zryvgvDPWYQ3" style="padding-bottom: 2.5pt; text-align: right">9.29</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A4_zx94UaiG4xhe" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We recorded total expense for restricted stock awards of $<span id="xdx_908_eus-gaap--RestrictedStockExpense_pn5n6_c20240101__20241231_zEDWNgk6ZDu9" title="Restricted stock expense">1.5</span> million, $<span id="xdx_903_eus-gaap--RestrictedStockExpense_pn5n6_c20230101__20231231_zdwjOrlBuKtb" title="Restricted stock expense">1.4</span> million and $<span id="xdx_905_eus-gaap--RestrictedStockExpense_pn5n6_c20220101__20221231_zEts3MFV8pDf" title="Restricted stock expense">1.1</span> million for the years ended December 31, 2024, 2023 and 2022, respectively. The aggregate fair value of restricted stock vested during 2024 was $<span id="xdx_900_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue_pn5n6_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zqneAj7Q5UIb" title="Fair value of restricted stock vested">1.3</span> million. Tax benefits related to equity incentive plan expense were $<span id="xdx_90C_eus-gaap--EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense_pn3p0_c20240101__20241231_z2uQk4x2pUm" title="Tax benefits">29,000</span>, $<span id="xdx_904_eus-gaap--EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense_pn3p0_c20230101__20231231_zkeKhljjEKXc">29,000</span> and $<span id="xdx_902_eus-gaap--EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense_pn3p0_c20220101__20221231_z3Qo6W61Koxa">16,000</span> for the years ended December 31, 2024, 2023 and 2022, respectively. Unrecognized compensation cost for stock awards was $<span id="xdx_90F_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_iI_pn6n6_c20241231_zHg21PMOUii2" title="Unrecognized compensation cost for stock awards">1.0</span> million at December 31, 2024 with a remaining term of <span id="xdx_90D_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_dtY_c20240101__20241231_zXhCYytQJXCl" title="Unrecognized compensation cost remaining term">1.8</span> years.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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; text-indent: 0.15pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Employee Stock Ownership Plan (“ESOP”). </b>We established an ESOP for the benefit of each employee that has reached the age of <span id="xdx_90F_ecustom--EmployeeStockOwnershipPlanEmployeeEligibilityAge_uNumber_c20020101__20020131_z9mIMLRkjULj">21</span> and has completed at least <span id="xdx_903_ecustom--MinimumWorkingHoursNeededForEligibility_uNumber_c20020101__20020131_z4pibdeKGaeb">1,000</span> hours of service in the previous 12-month period. In January 2002, as part of the initial stock conversion, we provided a loan to the ESOP Trust which was used to purchase <span id="xdx_90D_ecustom--EmployeeStockOwnershipPlanSharesAcquiredInitialPublicOfferingPercentage_dp_c20020101__20020131_ztg0YLOST044">8</span>%, or <span id="xdx_90C_ecustom--EmployeeStockOwnershipPlanESOPSharesPurchased_c20020101__20020131_zHOR1EBvGu6g">1,305,359</span> shares, of the common stock sold in the initial public offering.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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; text-indent: 0.15pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In January 2007, as part of the second-step stock conversion, we provided an additional loan to the ESOP Trust which was used to purchase <span id="xdx_90F_ecustom--EmployeeStockOwnershipPlanSharesAcquiredInitialPublicOfferingPercentage_dp_c20070101__20070131_zPaFxeQJA9b1">4.0</span>%, or <span id="xdx_90F_ecustom--EmployeeStockOwnershipPlanESOPSharesPurchased_pid_c20070101__20070131_zAXN0niY0jD2">736,000</span> shares, of the <span id="xdx_905_ecustom--NumberOfSharesSoldInIPO_c20070101__20070131_zVxzsEoL3C8e">18,400,000</span> shares of common stock sold in the offering. The 2002 and 2007 loans bear an interest rate of <span id="xdx_901_eus-gaap--DebtInstrumentInterestRateEffectivePercentage_iI_dp_c20241231__us-gaap--DebtInstrumentAxis__custom--LoanToEmployeeStockOwnershipPlanTrustMember_z8KuB5m1ls9h" title="Interest rate">8.0</span>% and provide for annual payments of interest and principal.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89C_eus-gaap--ScheduleOfOtherShareBasedCompensationActivityTableTextBlock_ztLVUQGE2N2a" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BB_zP8pX7S7NJz">At December 31, 2024, the remaining principal balances are payable as follows:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15pt"><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: 30%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center">Years Ending</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</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">Amount</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td colspan="5" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 14%; text-align: center">2025</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--LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_iI_pn3n3_maTotalESOP_c20241231__us-gaap--DebtInstrumentAxis__custom--LoanToEmployeeStockOwnershipPlanTrustMember_zkiKS600s0v" style="width: 12%; text-align: right" title="2024">447</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">2026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_iI_pn3n3_maTotalESOP_c20241231__us-gaap--DebtInstrumentAxis__custom--LoanToEmployeeStockOwnershipPlanTrustMember_zuSHedHIatf8" style="text-align: right" title="2025">447</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: center">2027</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_iI_pn3n3_maTotalESOP_c20241231__us-gaap--DebtInstrumentAxis__custom--LoanToEmployeeStockOwnershipPlanTrustMember_zQ8CsqPQyR17" style="text-align: right" title="2026">447</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">2028</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_iI_pn3n3_maTotalESOP_c20241231__us-gaap--DebtInstrumentAxis__custom--LoanToEmployeeStockOwnershipPlanTrustMember_zmEZ8skcpz51" style="text-align: right" title="2027">447</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: center">2029</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_iI_pn3n3_maTotalESOP_c20241231__us-gaap--DebtInstrumentAxis__custom--LoanToEmployeeStockOwnershipPlanTrustMember_zeVjgHKMx9Ic" style="text-align: right" title="2028">447</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Thereafter</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_98A_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_iI_pn3n3_maTotalESOP_c20241231__us-gaap--DebtInstrumentAxis__custom--LoanToEmployeeStockOwnershipPlanTrustMember_zYh6tjsanvd6" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">182</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: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></td><td style="padding-bottom: 2.5pt; font-weight: bold; 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--EmployeeStockOwnershipPlanESOPDebtStructureLoanAmount_iTI_pn3n3_mtTotalESOP_c20241231__us-gaap--DebtInstrumentAxis__custom--LoanToEmployeeStockOwnershipPlanTrustMember_zbfRJVTvzzwh" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">2,417</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AA_zn8yXJHefPT1" 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">We have committed to make contributions to the ESOP sufficient to support the debt service of the loans. The loans are secured by the shares purchased, which are held in a suspense account for allocation among the participants as the loans are paid. Total compensation expense applicable to the ESOP amounted to $<span id="xdx_90B_eus-gaap--EmployeeStockOwnershipPlanESOPCompensationExpense_pn3p0_c20240101__20241231_zW2otb5Dmku6" title="Total ESOP compensation expense">572,000</span>, $<span id="xdx_905_eus-gaap--EmployeeStockOwnershipPlanESOPCompensationExpense_pn3p0_c20230101__20231231_zEBYrvKKHDm9" title="Total ESOP compensation expense">562,000</span> and $<span id="xdx_900_eus-gaap--EmployeeStockOwnershipPlanESOPCompensationExpense_pn3p0_c20220101__20221231_z9RMVtKRhxb2" title="Total ESOP compensation expense">683,000</span> for the years ended December 31, 2024, 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_899_eus-gaap--ScheduleOfEmployeeStockOwnershipPlanESOPDisclosuresTextBlock_zW1Kqo1jElLb" style="font: 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_zWA8Qn9ACUrk">Shares held by the ESOP include the following at December 31, 2024 and 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: 65%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49A_20241231_zzC4qnRFoIj2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_493_20231231_zPHCtjyopPE" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_406_eus-gaap--EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares_iI_pip0_maTotal_zOWc3UIMVWJ4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 74%; padding-left: 0in">Allocated</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">1,182,583</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">1,176,311</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares_iI_pip0_maTotal_zzN6YOCvIFX2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Committed to be allocated</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">71,240</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">74,993</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares_iI_pip0_maTotal_zW6pvYn4Xmgg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0in">Unallocated</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">220,254</td><td style="padding-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">291,494</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--EmployeeStockOwnershipPlanESOPSharesInESOP_iTI_pip0_mtTotal_zk5tLn83Mzeb" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 0in">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">1,474,077</td><td style="padding-bottom: 2.5pt; 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">1,542,798</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AA_zRAVJzGyLwPi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash dividends declared and received on allocated shares are allocated to participants and charged to retained earnings. Cash dividends declared and received on unallocated shares are held in suspense and are applied to repay the outstanding debt of the ESOP. The fair value of unallocated shares was $<span id="xdx_902_eus-gaap--EmployeeStockOwnershipPlanESOPDeferredSharesFairValue_iI_pn6n6_c20241231_zgPgM1SfaiZg" title="Fair value of unallocated shares">2.0</span> million and $<span id="xdx_907_eus-gaap--EmployeeStockOwnershipPlanESOPDeferredSharesFairValue_iI_pn5n6_c20231231_zTbEKHoLVHr7" title="Fair value of unallocated shares">2.6</span> million at December 31, 2024 and 2023, respectively. ESOP shares are considered outstanding for earnings per share calculations when they are committed to be allocated. Unallocated ESOP shares are excluded from earnings per share calculations. The cost of unearned shares to be allocated to ESOP participants for future services not yet performed is reflected as a reduction of shareholders’ equity.</span></p> 700000 122362 122362 61181 0.50 61181 0.50 0.50 1.50 <p id="xdx_898_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2021TableTextBlock_z0sXg9mx9uS4" style="font: 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_zYhqjYdX7Gm2">The Threshold, Target and Stretch metrics under the 2021 LTI Plan 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; width: 100%; border-collapse: collapse"> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_498_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--ThresholdMember_zE4KokwmQrFb" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_49B_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--TargetMember_zBpurInqhQga" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_493_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--StretchMember_z5HGr6UDzyWc" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td colspan="2" id="xdx_493_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--ActualMember_zfs7g8SXChrl" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="8" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ROE Metrics</b></span></td></tr> <tr> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; width: 39%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td> <td style="white-space: nowrap; width: 2%; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; width: 13%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td> <td style="white-space: nowrap; vertical-align: bottom; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; width: 12%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td> <td style="vertical-align: top; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: bottom; width: 14%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td> <td style="border-bottom: Black 1pt solid; vertical-align: top; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: top; width: 10%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Actual</b></span></td> <td style="width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_40A_ecustom--PercentageOfPerformanceEarnedDuringYearOne_pid_dp_uPure_znN6RGCrPHhj" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2021</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.63%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.25%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.50%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.64%</span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_402_ecustom--PercentageOfPerformanceEarnedDuringYearTwo_pid_dp_uPure_zjHPPAGfHZWg" style="background-color: White"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2022</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.85%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.50%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.80%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.85%</span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_405_ecustom--PercentageOfPerformanceEarnedDuringYearThree_pid_dp_uPure_zUcmhc0H2G62" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2023</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.08%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.75%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.10%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.47%</span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_498_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--ThresholdMember_zuV2CRwt6yIh" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_49B_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--TargetMember_z7nCACGcM6l6" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_49D_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--StretchMember_zn4WBNwCG6Al" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_499_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--ActualMember_zczqP2w0Qxkb" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td> </td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="7" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>EPS Metrics</b></span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 39%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 13%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 12%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 14%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td> <td style="border-bottom: Black 1pt solid; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Actual</b></span></td> <td style="width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_40E_ecustom--ThreeYearCumulativeDilutedEPS_pid_uUSDPShares_zd3QdMeTOJni" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Three-Year Cumulative Diluted EPS</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1.58</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1.97</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.36</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.90</span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> </table> 0.0563 0.0625 0.0750 0.1064 0.0585 0.0650 0.0780 0.1185 0.0608 0.0675 0.0810 0.0647 1.58 1.97 2.36 2.90 69376 119376 119376 59688 0.50 59688 0.50 0.50 1.50 <p id="xdx_89A_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2022TableTextBlock_zpiz20vMOG69" style="font: 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_8B4_z93TWbooOCPd">The Threshold, Target and Stretch metrics under the 2022 LTI Plan 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; width: 100%; border-collapse: collapse"> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_49C_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--ThresholdMember_ziUpqlQfuorl" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_493_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--TargetMember_zUVtiCaBXsR5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_495_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--StretchMember_zUjSC7lzq413" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ROE Metrics</b></span></td> </tr> <tr> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 42%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 18%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_408_ecustom--PercentageOfPerformanceEarnedDuringYearFour_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zGTQhbo41oFb" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2022</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.79%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.20%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.61%</span></td></tr> <tr id="xdx_408_ecustom--PercentageOfPerformanceEarnedDuringYearFive_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zumfgBUERkbd" style="background-color: White"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2023</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.93%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.35%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.77%</span></td></tr> <tr id="xdx_40B_ecustom--PercentageOfPerformanceEarnedDuringYearSix_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_z08wpqRnSTY" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2024</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.03%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.45%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.87%</span></td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_49C_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--ThresholdMember_z61OHvGrfdV9" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_493_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--TargetMember_zAMNMTNjaL27" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_495_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--StretchMember_zmluw9Cj91Jg" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>EPS Metrics</b></span></td> </tr> <tr> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 42%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 18%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_408_ecustom--ThreeYearCumulativeEarningsPerShareDilutedTwo_pid_uUSDPShares_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zXCk9EBggKgi" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Three-Year Cumulative Diluted EPS</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.35</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.61</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.85</span></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 1975 17775 120998 120998 60499 0.50 60499 0.50 0.50 1.50 <p id="xdx_896_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2023TableTextBlock_zV0iAbdlLD0f" style="font: 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_z1EcLNgKjgp3">The Threshold, Target and Stretch metrics under the 2023 LTI Plan 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; width: 100%; border-collapse: collapse"> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_49B_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--ThresholdMember_zzuRbhgjzkdk" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_49E_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--TargetMember_ziFIN6XCL80j" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_490_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--StretchMember_zFo9wjk3ZEF9" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ROE Metrics</b></span></td> </tr> <tr> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 42%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 18%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_406_ecustom--PercentageOfPerformanceEarnedDuringYearSeven_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zxWSRdI2Qmw6" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2023</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.00%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.45%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.85%</span></td></tr> <tr id="xdx_40B_ecustom--PercentageOfPerformanceEarnedDuringYearEight_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_z1VF2rFeyIqc" style="background-color: White"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2024</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.75%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.25%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.75%</span></td></tr> <tr id="xdx_40A_ecustom--PercentageOfPerformanceEarnedDuringYearNine_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zyIXoefAGIbf" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2025</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.00%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.50%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.00%</span></td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_49D_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--ThresholdMember_zijwu7qQWty4" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_49F_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--TargetMember_zHVrezkuX3zd" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_49C_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--StretchMember_zgljR3Svvvd4" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>EPS Metrics</b></span></td> </tr> <tr> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 42%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 18%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_401_ecustom--ThreeYearCumulativeEarningsPerShareDilutedThree_pid_uUSDPShares_zE0NlOm0QtM" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Three-Year Cumulative Diluted EPS</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.39</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.65</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.89</span></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 2022 18198 146422 146422 73211 0.50 73211 0.50 0.50 1.50 <p id="xdx_89C_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2024TableTextBlock_zONI7ZVY7Lk2" style="font: 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_8BA_z2MjopeVnsYf">The Threshold, Target and Stretch metrics under the 2024 LTI Plan 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; width: 100%; border-collapse: collapse"> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_49D_20240101__20241231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--ThresholdMember_zbLYXSeNIAb5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_494_20240101__20241231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--TargetMember_z2amt4oDxwQ7" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td id="xdx_49A_20240101__20241231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--StretchMember_z4rEkL8HKmTc" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>ROE Metrics</b></span></td> </tr> <tr> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 42%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 18%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_409_ecustom--PercentageOfPerformanceEarnedDuringYearTen_pid_dp_uPure_zqOaLK8Y1rOk" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2024</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.05%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.61%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.17%</span></td></tr> <tr id="xdx_40B_ecustom--PercentageOfPerformanceEarnedDuringYearEleven_pid_dp_uPure_zvRj3YITR2m" style="background-color: White"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2025</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.18%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.86%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.55%</span></td></tr> <tr id="xdx_409_ecustom--PercentageOfPerformanceEarnedDuringYearTwelve_pid_dp_uPure_zD4feNlI6hK7" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2026</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.30%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.11%</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.92%</span></td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"> </td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_49F_20240101__20241231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--ThresholdMember_z084ZtMXlrY1" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_492_20240101__20241231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--TargetMember_zXj776MowU6l" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"> </td> <td id="xdx_493_20240101__20241231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--StretchMember_zRu0JwoDlGg5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"> </td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="5" style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><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>EPS Metrics </b></span></p></td> </tr> <tr> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td></tr> <tr> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_409_ecustom--ThreeYearCumulativeEarningsPerShareDilutedFour_pid_uUSDPShares_zZHYbFcia3Nb" style="background-color: rgb(204,238,255)"> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Three-Year Cumulative Diluted EPS</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.25</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.50</span></td> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2.75</span></td></tr> <tr style="background-color: White"> <td style="width: 42%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 18%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> </tr> </table> 0.0505 0.0561 0.0617 0.0618 0.0686 0.0755 0.0730 0.0811 0.0892 2.25 2.50 2.75 2384 19072 123587 <p id="xdx_890_eus-gaap--NonvestedRestrictedStockSharesActivityTableTextBlock_z8h0A0KKmIv1" 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_8B0_zSpU7YXoUb3f">A summary of the status of unvested restricted stock awards at December 31, 2024 and 2023 is presented below:</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="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">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; white-space: nowrap; 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 Grant</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Date Fair 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="width: 64%; padding-left: 0in">Balance at December 31, 2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iS_pid_uShares_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zPwIMaFsOZ5d" style="width: 15%; text-align: right" title="Beginning balance">220,635</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="white-space: nowrap; width: 1%; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iS_pp2p0_uUSDPShares_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zc5MKI6FGOv1" style="white-space: nowrap; width: 15%; text-align: right" title="Beginning balance">9.29</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Shares granted</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_uShares_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zLkTLxeEDMyj" style="text-align: right" title="Shares granted">187,049</td><td style="text-align: left"> </td><td> </td> <td style="white-space: nowrap; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z0mAHHrcfkpd" style="white-space: nowrap; text-align: right" title="Shares granted">8.38</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">Shares forfeited</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_iN_pid_di_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zvCSvnRmxQY" style="text-align: right" title="Shares forfeited">(2,384</td><td style="text-align: left">)</td><td> </td> <td style="white-space: nowrap; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zcpdiBdbY2fc" style="white-space: nowrap; text-align: right" title="Shares forfeited">8.39</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 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_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_iN_pid_di_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zCuuJI38SIsk" style="border-bottom: Black 1pt solid; text-align: right" title="Shares vested">(150,568</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="white-space: nowrap; padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zhOnykcpPGqk" style="white-space: nowrap; padding-bottom: 1pt; text-align: right" title="Shares vested">8.65</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; padding-bottom: 2.5pt; padding-left: 0in">Balance at December 31, 2024</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iE_pid_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zIcIOkY32Je6" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance">254,732</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="white-space: nowrap; padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iE_pp2p0_uUSDPShares_c20240101__20241231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zTS2VeI7gU0i" style="white-space: nowrap; padding-bottom: 2.5pt; text-align: right" title="Ending balance">9.01</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <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-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">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; white-space: nowrap; 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 Grant</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>Date Fair 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="width: 64%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Balance at December 31, 2022</span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iS_pid_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zaUX8figW7j6" style="width: 15%; text-align: right">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_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iS_pp2p0_uUSDPShares_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z0oytfPc2jna" style="width: 15%; text-align: right">8.85</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares granted</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zAoejvJ0FTi2" style="text-align: right">158,957</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zujieOTyQvGg" style="text-align: right">9.79</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-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares forfeited</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_iN_pid_di_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z7n5dveiNXwe" style="text-align: right">(4,219</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zP6t1e6B8mzg" style="text-align: right">9.57</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares vested</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_iN_pid_di_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zUFVZizwpqqb" style="border-bottom: Black 1pt solid; text-align: right">(140,195</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_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zSlNLIraKYxl" style="padding-bottom: 1pt; text-align: right">9.21</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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Balance at December 31, 2023</b></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iE_pid_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zRhZeUp7X4O3" style="border-bottom: Black 2.5pt double; text-align: right">220,635</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_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iE_pp2p0_uUSDPShares_c20230101__20231231__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zryvgvDPWYQ3" style="padding-bottom: 2.5pt; text-align: right">9.29</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 220635 9.29 187049 8.38 2384 8.39 150568 8.65 254732 9.01 206092 8.85 158957 9.79 4219 9.57 140195 9.21 220635 9.29 1500000 1400000 1100000 1300000 29000 29000 16000 1000000.0 P1Y9M18D 21 1000 0.08 1305359 0.040 736000 18400000 0.080 <p id="xdx_89C_eus-gaap--ScheduleOfOtherShareBasedCompensationActivityTableTextBlock_ztLVUQGE2N2a" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BB_zP8pX7S7NJz">At December 31, 2024, the remaining principal balances are payable as follows:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15pt"><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: 30%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center">Years Ending</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</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">Amount</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td colspan="5" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 14%; text-align: center">2025</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--LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_iI_pn3n3_maTotalESOP_c20241231__us-gaap--DebtInstrumentAxis__custom--LoanToEmployeeStockOwnershipPlanTrustMember_zkiKS600s0v" style="width: 12%; text-align: right" title="2024">447</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">2026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_iI_pn3n3_maTotalESOP_c20241231__us-gaap--DebtInstrumentAxis__custom--LoanToEmployeeStockOwnershipPlanTrustMember_zuSHedHIatf8" style="text-align: right" title="2025">447</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: center">2027</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_iI_pn3n3_maTotalESOP_c20241231__us-gaap--DebtInstrumentAxis__custom--LoanToEmployeeStockOwnershipPlanTrustMember_zQ8CsqPQyR17" style="text-align: right" title="2026">447</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center">2028</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_iI_pn3n3_maTotalESOP_c20241231__us-gaap--DebtInstrumentAxis__custom--LoanToEmployeeStockOwnershipPlanTrustMember_zmEZ8skcpz51" style="text-align: right" title="2027">447</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: center">2029</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_iI_pn3n3_maTotalESOP_c20241231__us-gaap--DebtInstrumentAxis__custom--LoanToEmployeeStockOwnershipPlanTrustMember_zeVjgHKMx9Ic" style="text-align: right" title="2028">447</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Thereafter</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_98A_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_iI_pn3n3_maTotalESOP_c20241231__us-gaap--DebtInstrumentAxis__custom--LoanToEmployeeStockOwnershipPlanTrustMember_zYh6tjsanvd6" style="border-bottom: Black 1pt solid; text-align: right" title="Thereafter">182</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: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></td><td style="padding-bottom: 2.5pt; font-weight: bold; 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--EmployeeStockOwnershipPlanESOPDebtStructureLoanAmount_iTI_pn3n3_mtTotalESOP_c20241231__us-gaap--DebtInstrumentAxis__custom--LoanToEmployeeStockOwnershipPlanTrustMember_zbfRJVTvzzwh" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">2,417</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 447000 447000 447000 447000 447000 182000 2417000 572000 562000 683000 <p id="xdx_899_eus-gaap--ScheduleOfEmployeeStockOwnershipPlanESOPDisclosuresTextBlock_zW1Kqo1jElLb" style="font: 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_zWA8Qn9ACUrk">Shares held by the ESOP include the following at December 31, 2024 and 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: 65%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49A_20241231_zzC4qnRFoIj2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_493_20231231_zPHCtjyopPE" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_406_eus-gaap--EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares_iI_pip0_maTotal_zOWc3UIMVWJ4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 74%; padding-left: 0in">Allocated</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">1,182,583</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">1,176,311</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares_iI_pip0_maTotal_zzN6YOCvIFX2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Committed to be allocated</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">71,240</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">74,993</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares_iI_pip0_maTotal_zW6pvYn4Xmgg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0in">Unallocated</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">220,254</td><td style="padding-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">291,494</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--EmployeeStockOwnershipPlanESOPSharesInESOP_iTI_pip0_mtTotal_zk5tLn83Mzeb" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 0in">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">1,474,077</td><td style="padding-bottom: 2.5pt; 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">1,542,798</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1182583 1176311 71240 74993 220254 291494 1474077 1542798 2000000.0 2600000 <p id="xdx_807_eus-gaap--PensionAndOtherPostretirementBenefitsDisclosureTextBlock_z7ZzHPmL0hhi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15pt"><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: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>10.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_82E_zXn4XygXsoF6">RETIREMENT PLANS AND EMPLOYEE BENEFITS</span></b></span></td> </tr></table> <p 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"><b>Pension Plan</b>. The Westfield Bank Defined Benefit Plan (the “DB Plan”) was terminated effective October 31, 2022. During the twelve months ended December 31, 2023, the Company recognized the final termination expense of $<span id="xdx_90C_eus-gaap--DefinedBenefitPlanRecognizedNetGainLossDueToCurtailments_pn3n3_dxL_c20230101__20231231_zzF9kq8U5CH1" title="(Loss) gain on defined benefit plan curtailment::XDX::-1143"><span style="-sec-ix-hidden: xdx2ixbrl3370">1.1</span></span> million related to the DB Plan termination, which was recorded through non-interest income. The assets of the DB Plan were liquidated as of June 2, 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 id="xdx_89A_eus-gaap--ScheduleOfDefinedBenefitPlansDisclosuresTextBlock_ztFcxyxnKNV3" style="font: 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_zwCjdfg7vpll">The following table provides information related to the DB Plan for the year ended December 31, 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: 65%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49E_20230101__20231231_zRiOV80ECsR8" style="border-bottom: Black 1pt solid; white-space: nowrap; font-weight: bold; text-align: center">For the year ended<br/> December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0in"> </td><td> </td> <td colspan="3" style="text-align: center"><span style="font: 10pt Times New Roman, Times, Serif">(Dollars in thousands)</span></td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0in"> </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--DefinedBenefitPlanChangeInBenefitObligationRollForward_zzOSnBvkIKx1" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; padding-left: 0in">Change in benefit obligation:</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_eus-gaap--DefinedBenefitPlanBenefitObligation_iS_pn3n3_uUSD_z1knyT3NoeL4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 65%; text-align: left; padding-left: 0in">Benefit obligation at beginning of year</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">24,612</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DefinedBenefitPlanServiceCost_pn3n3_uUSD_z1PZZsikqAJ4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Service cost</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3378">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DefinedBenefitPlanInterestCost_pn3n3_uUSD_zKkcJQ3Gx5R4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Interest</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">487</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--DefinedBenefitPlanActuarialGainLoss_iN_pn3n3_di_uUSD_zI4168J6UWM1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Actuarial gain</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_40E_eus-gaap--DefinedBenefitPlanCurtailments_iN_pn3n3_di_uUSD_zEmA5eRqsp45" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Effect of settlement/curtailment</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(24,886</td><td style="text-align: left">)</td></tr> <tr id="xdx_408_eus-gaap--DefinedBenefitPlanBenefitObligationBenefitsPaid_iN_pn3n3_di_uUSD_zN6cIm1djbd" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Benefits paid</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(180</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_404_eus-gaap--DefinedBenefitPlanBenefitObligation_iE_pn3n3_uUSD_zx3cspW9CZth" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 7.9pt; padding-left: 0in">Benefit obligation at end of year</td><td style="padding-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: xdx2ixbrl3388">—</span></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-left: 0in"> </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--DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_pn3n3_zHuBTJMJTfPl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0in">Change in plan assets:</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_404_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iS_pn3n3_uUSD_zs7NfEpxfhnb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Fair value of plan assets at beginning of year</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">23,134</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--DefinedBenefitPlanActualReturnOnPlanAssets_pn3n3_uUSD_zUWPtvFSjeJ" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Actual return on plan assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">671</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanContributionsByEmployer_pn3n3_uUSD_zbiZyF1TXRT6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Employer contribution</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,261</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DefinedBenefitPlanPlanAssetsBenefitsPaid_iN_pn3n3_di_uUSD_zZvHoppJhER6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Benefits paid</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(180</td><td style="text-align: left">)</td></tr> <tr id="xdx_404_eus-gaap--DefinedBenefitPlanSettlementsPlanAssets_iN_pn3n3_di_uUSD_zuvv5YXa1jrb" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in">Effect of settlement</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(24,886</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iE_pn3n3_uUSD_zYvIwVk5Tn73" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 7.9pt; padding-left: 0in">Fair value of plan assets at end of year</td><td style="padding-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: xdx2ixbrl3402">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in"> </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--DefinedBenefitPlanFundedStatusOfPlan_iE_pn3n3_uUSD_zsowXBt0qWr2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Funded status and accrued benefit at end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3404">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--DefinedBenefitPlanAccumulatedBenefitObligation_iE_pn3n3_uUSD_z1Ek26cqX1u" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Accumulated benefit obligation at end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3406">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A4_zD9PqhMqaQ1f" 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">For the year ended December 31, 2023, the discount rate assumptions reflected the IRS 417 Segment Rates (<span id="xdx_908_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_iI_c20231231__us-gaap--VariableRateAxis__custom--Rate1Member_zZTTfTnSlFOf" title="Discount rate">4.48%</span>/<span id="xdx_904_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_iI_c20231231__us-gaap--VariableRateAxis__custom--Rate2Member_za2pyJdxRof" title="Discount rate">5.26%</span>/<span id="xdx_90D_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_iI_c20231231__us-gaap--VariableRateAxis__custom--Rate3Member_zVvrhRe3o5E3" title="Discount rate">5.07%</span>) for lump sums and for annuities in the Insurance Company annuity contract.</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--DefinedBenefitPlanNetPeriodicBenefitCostTableTextBlock_zzGyETSQdW16" style="font: 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_8B8_z6eJ5h5ZuUP1">Net pension cost includes the following components for the year ended December 31, 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: 50%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_492_20230101__20231231_zNuvSgC4R4wa" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; font-weight: bold; text-align: center">For the year ended<br/> December 31,</td><td style="padding-bottom: 1pt; 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">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 1.45pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Dollars in thousands)</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 1.45pt"> </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_eus-gaap--DefinedBenefitPlanServiceCost_pn3n3_uUSD_maDBPNPzQzv_zjCujAwh9pqi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 1.45pt">Service cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3417">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--DefinedBenefitPlanInterestCost_pn3n3_maDBPNPzQzv_zWTv8Q5LLwI6" style="vertical-align: bottom; background-color: White"> <td style="width: 45%; text-align: left; padding-left: 1.45pt"><span id="xdx_903_ecustom--DefinedBenefitPlanNetPeriodicBenefitCostCreditInterestCostStatementOfIncomeOrComprehensiveIncomeExtensibleListNotDisclosedFlag_dbT_c20240101__20241231_zwG6rvAb7BQa">Interest cost</span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 18%; text-align: right">487</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DefinedBenefitPlanExpectedReturnOnPlanAssets_iN_pn3n3_di_msDBPNPzQzv_zMtoiCB2E8y4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 1.45pt"><span id="xdx_909_ecustom--DefinedBenefitPlanNetPeriodicBenefitCostCreditExpectedReturnLossStatementOfIncomeOrComprehensiveIncomeExtensibleListNotDisclosedFlag_dbT_c20240101__20241231_zMrB7KDkkeW7">Expected return on assets</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(333</td><td style="text-align: left">)</td></tr> <tr id="xdx_408_eus-gaap--DefinedBenefitPlanOtherCosts_pn3n3_uUSD_maDBPNPzQzv_zVLrP3l5C7vc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 1.45pt">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: xdx2ixbrl3425">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DefinedBenefitPlanNetPeriodicBenefitCost_iT_pn3n3_uUSD_mtDBPNPzQzv_zTcVJKn4THya" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.1in">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">154</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A1_z9HzUIVQNFj7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_898_ecustom--DefinedBenefitPlanAssumptionsUsedInCalculationsTableTextBlock_zHnM4pbVX3F2" style="font: 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_8B9_zLxt2d1LOhng">The following actuarial assumptions were used in determining the net periodic pension cost for the year ended December 31, 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: 50%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended <br/> December 31,</td><td style="padding-bottom: 1pt; 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">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 45%; text-align: left">Discount rate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_iI_pid_dp_uPure_c20231231_z0pZaSdiyIJ9" style="width: 18%; text-align: right" title="Discount rate">5.05</td><td style="width: 1%; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Expected return on plan assets</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_pid_dp_c20230101__20231231_ztjQWAL7X7ad" style="text-align: right" title="Expected return on plan assets">3.70</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Rate of compensation increase</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</span></td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A5_zAZKnBFngKH5" 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>401(k) Defined Contribution Plan.</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 also maintains a tax-qualified defined contribution plan through a third party provider (the “401(k) Plan”) that provides for deferral of federal and state income taxes on employee contributions allowed under Section 401(k) of the Internal Revenue Code. Participants may make pre-tax salary deferrals to the plan not to exceed the annual IRS limits. Effective January 1, 2023, the Company converted to a Safe Harbor 401(k) Plan. In addition to salary deferrals, the Company will match up to <span id="xdx_909_eus-gaap--DefinedContributionPlanEmployerMatchingContributionPercentOfMatch_pid_dp_uPure_c20240101__20241231__us-gaap--RetirementPlanTypeAxis__custom--DefinedContributionPension1Member_zL8EDtmBiLad" title="Employer matching contribution for the first 6% of each participant's annual earnings">100</span>% of the first <span id="xdx_909_eus-gaap--DefinedContributionPlanEmployerMatchingContributionPercent_pid_dp_uPure_c20240101__20241231__us-gaap--RetirementPlanTypeAxis__custom--DefinedContributionPension1Member_zi7fNUNl94nh" title="Maximum percentage of participant's annual earnings subject to match by employer for 401(K) plan">4</span>% of the participant’s eligible compensation (for a total maximum employer matching contribution of <span id="xdx_90B_eus-gaap--DefinedContributionPlanEmployerMatchingContributionPercent_dp_c20240101__20241231__us-gaap--RetirementPlanTypeAxis__custom--DefinedContributionPension1Member_zOy2uDQ9VrM" title="Maximum percentage of participant's annual earnings subject to match by employer for 401(K) plan">4</span>% of a participant’s eligible compensation). In addition, on an annual basis, the Company may make a discretionary profit share contribution to each participant.</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’s expense for the 401(k) plan match was $<span id="xdx_905_eus-gaap--DefinedContributionPlanCostRecognized_pn3p0_c20240101__20241231__us-gaap--RetirementPlanTypeAxis__custom--DefinedContributionPension1Member_zrfJr4I32xSb" title="Employer contribution to plan">773,000</span>, $<span id="xdx_905_eus-gaap--DefinedContributionPlanCostRecognized_pn3p0_c20230101__20231231__us-gaap--RetirementPlanTypeAxis__custom--DefinedContributionPension1Member_zUwKBYyyarpg" title="Employer contribution to plan">736,000</span> and $<span id="xdx_90C_eus-gaap--DefinedContributionPlanCostRecognized_pn3p0_c20220101__20221231__us-gaap--RetirementPlanTypeAxis__custom--DefinedContributionPension1Member_zmW3lOPao622" title="Employer contribution to plan">470,000</span> for the years ended December 31, 2024, 2023 and 2022, respectively. The Company’s expense for the 401(k) discretionary profit share contribution was $<span id="xdx_90B_eus-gaap--DefinedContributionPlanEmployerDiscretionaryContributionAmount_pn3p0_c20240101__20241231__us-gaap--RetirementPlanTypeAxis__custom--DefinedContributionPension1Member_zYcascn9sNZe" title="Discretionary profit share contribution">598,000</span> and $<span id="xdx_90E_eus-gaap--DefinedContributionPlanEmployerDiscretionaryContributionAmount_pn3p0_c20230101__20231231__us-gaap--RetirementPlanTypeAxis__custom--DefinedContributionPension1Member_zx8EtYzuNDQe" title="Discretionary profit share contribution">675,000</span> for the years ended December 31, 2024 and 2023, respectively. The discretionary profit share contribution expensed during the year ended December 31, 2024 is expected to be made during the first quarter of 2025.</span></p> <p id="xdx_89A_eus-gaap--ScheduleOfDefinedBenefitPlansDisclosuresTextBlock_ztFcxyxnKNV3" style="font: 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_zwCjdfg7vpll">The following table provides information related to the DB Plan for the year ended December 31, 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: 65%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49E_20230101__20231231_zRiOV80ECsR8" style="border-bottom: Black 1pt solid; white-space: nowrap; font-weight: bold; text-align: center">For the year ended<br/> December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0in"> </td><td> </td> <td colspan="3" style="text-align: center"><span style="font: 10pt Times New Roman, Times, Serif">(Dollars in thousands)</span></td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0in"> </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--DefinedBenefitPlanChangeInBenefitObligationRollForward_zzOSnBvkIKx1" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; padding-left: 0in">Change in benefit obligation:</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_eus-gaap--DefinedBenefitPlanBenefitObligation_iS_pn3n3_uUSD_z1knyT3NoeL4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 65%; text-align: left; padding-left: 0in">Benefit obligation at beginning of year</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">24,612</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DefinedBenefitPlanServiceCost_pn3n3_uUSD_z1PZZsikqAJ4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Service cost</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3378">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DefinedBenefitPlanInterestCost_pn3n3_uUSD_zKkcJQ3Gx5R4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Interest</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">487</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--DefinedBenefitPlanActuarialGainLoss_iN_pn3n3_di_uUSD_zI4168J6UWM1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Actuarial gain</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_40E_eus-gaap--DefinedBenefitPlanCurtailments_iN_pn3n3_di_uUSD_zEmA5eRqsp45" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">Effect of settlement/curtailment</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(24,886</td><td style="text-align: left">)</td></tr> <tr id="xdx_408_eus-gaap--DefinedBenefitPlanBenefitObligationBenefitsPaid_iN_pn3n3_di_uUSD_zN6cIm1djbd" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Benefits paid</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(180</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_404_eus-gaap--DefinedBenefitPlanBenefitObligation_iE_pn3n3_uUSD_zx3cspW9CZth" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 7.9pt; padding-left: 0in">Benefit obligation at end of year</td><td style="padding-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: xdx2ixbrl3388">—</span></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-left: 0in"> </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--DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_pn3n3_zHuBTJMJTfPl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0in">Change in plan assets:</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_404_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iS_pn3n3_uUSD_zs7NfEpxfhnb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Fair value of plan assets at beginning of year</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">23,134</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--DefinedBenefitPlanActualReturnOnPlanAssets_pn3n3_uUSD_zUWPtvFSjeJ" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Actual return on plan assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">671</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanContributionsByEmployer_pn3n3_uUSD_zbiZyF1TXRT6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Employer contribution</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,261</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DefinedBenefitPlanPlanAssetsBenefitsPaid_iN_pn3n3_di_uUSD_zZvHoppJhER6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Benefits paid</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(180</td><td style="text-align: left">)</td></tr> <tr id="xdx_404_eus-gaap--DefinedBenefitPlanSettlementsPlanAssets_iN_pn3n3_di_uUSD_zuvv5YXa1jrb" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0in">Effect of settlement</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(24,886</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iE_pn3n3_uUSD_zYvIwVk5Tn73" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 7.9pt; padding-left: 0in">Fair value of plan assets at end of year</td><td style="padding-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: xdx2ixbrl3402">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in"> </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--DefinedBenefitPlanFundedStatusOfPlan_iE_pn3n3_uUSD_zsowXBt0qWr2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Funded status and accrued benefit at end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3404">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--DefinedBenefitPlanAccumulatedBenefitObligation_iE_pn3n3_uUSD_z1Ek26cqX1u" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Accumulated benefit obligation at end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3406">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 24612000 487000 33000 24886000 180000 23134000 671000 1261000 180000 24886000 0.0448 0.0526 0.0507 <p id="xdx_898_ecustom--DefinedBenefitPlanNetPeriodicBenefitCostTableTextBlock_zzGyETSQdW16" style="font: 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_8B8_z6eJ5h5ZuUP1">Net pension cost includes the following components for the year ended December 31, 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: 50%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_492_20230101__20231231_zNuvSgC4R4wa" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; font-weight: bold; text-align: center">For the year ended<br/> December 31,</td><td style="padding-bottom: 1pt; 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">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 1.45pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Dollars in thousands)</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 1.45pt"> </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_eus-gaap--DefinedBenefitPlanServiceCost_pn3n3_uUSD_maDBPNPzQzv_zjCujAwh9pqi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 1.45pt">Service cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3417">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--DefinedBenefitPlanInterestCost_pn3n3_maDBPNPzQzv_zWTv8Q5LLwI6" style="vertical-align: bottom; background-color: White"> <td style="width: 45%; text-align: left; padding-left: 1.45pt"><span id="xdx_903_ecustom--DefinedBenefitPlanNetPeriodicBenefitCostCreditInterestCostStatementOfIncomeOrComprehensiveIncomeExtensibleListNotDisclosedFlag_dbT_c20240101__20241231_zwG6rvAb7BQa">Interest cost</span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 18%; text-align: right">487</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DefinedBenefitPlanExpectedReturnOnPlanAssets_iN_pn3n3_di_msDBPNPzQzv_zMtoiCB2E8y4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 1.45pt"><span id="xdx_909_ecustom--DefinedBenefitPlanNetPeriodicBenefitCostCreditExpectedReturnLossStatementOfIncomeOrComprehensiveIncomeExtensibleListNotDisclosedFlag_dbT_c20240101__20241231_zMrB7KDkkeW7">Expected return on assets</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(333</td><td style="text-align: left">)</td></tr> <tr id="xdx_408_eus-gaap--DefinedBenefitPlanOtherCosts_pn3n3_uUSD_maDBPNPzQzv_zVLrP3l5C7vc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 1.45pt">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: xdx2ixbrl3425">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DefinedBenefitPlanNetPeriodicBenefitCost_iT_pn3n3_uUSD_mtDBPNPzQzv_zTcVJKn4THya" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.1in">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">154</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> true 487000 true 333000 154000 <p id="xdx_898_ecustom--DefinedBenefitPlanAssumptionsUsedInCalculationsTableTextBlock_zHnM4pbVX3F2" style="font: 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_8B9_zLxt2d1LOhng">The following actuarial assumptions were used in determining the net periodic pension cost for the year ended December 31, 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: 50%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended <br/> December 31,</td><td style="padding-bottom: 1pt; 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">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 45%; text-align: left">Discount rate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_iI_pid_dp_uPure_c20231231_z0pZaSdiyIJ9" style="width: 18%; text-align: right" title="Discount rate">5.05</td><td style="width: 1%; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Expected return on plan assets</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_pid_dp_c20230101__20231231_ztjQWAL7X7ad" style="text-align: right" title="Expected return on plan assets">3.70</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Rate of compensation increase</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</span></td><td style="text-align: left"> </td></tr> </table> 0.0505 0.0370 1 0.04 0.04 773000 736000 470000 598000 675000 <p id="xdx_806_eus-gaap--DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_zvnX3M36Kjw8" style="font: 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-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>11.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_829_zJ8c0dGHgJIk">DERIVATIVES AND HEDGING ACTIVITIES</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"> </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"> </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"><b>Fair Value Hedges of Interest Rate Risk.</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 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<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></p> <p id="xdx_890_eus-gaap--ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_zfLa1NpUJNt6" style="font: 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 October of 2024, $200 million in notional amount of designated fair value hedges matured. As of December 31, 2024, the Company did not have any outstanding fair value hedges on the balance sheet. <span id="xdx_8BE_zuBvrFKHoqH8">As of December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges:</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: 95%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Item in the Balance Sheet in which the <br/> Hedged Item is Included</td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; 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="2" style="border-bottom: Black 1pt solid; white-space: nowrap; font-weight: bold; text-align: center">Cumulative Amount of Fair <br/> Value Hedging Adjustments <br/> Included in the Carrying <br/> Amount of Hedged <br/> Assets/(Liabilities)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </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">At December 31, 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">At December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 58%; text-indent: -5.4pt; padding-left: 5.4pt"> <span id="xdx_905_eus-gaap--HedgedAssetStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20231231_zoYm4ogLpfMi" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"><span style="-sec-ix-hidden: xdx2ixbrl3455">Loans</span></span></td><td style="width: 1%"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--HedgedAssetFairValueHedge_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--LoansMember_zH15EZSQwdG4" style="border-bottom: Black 1pt solid; width: 18%; text-align: right">199,393</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--LoansMember_zQZQHrZu0QAc" style="border-bottom: Black 1pt solid; width: 18%; text-align: right">(607</td><td style="width: 1%; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 2.7pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--HedgedAssetFairValueHedge_iI_pn3n3_c20231231_zBdFCJ3LyHr6" style="border-bottom: Black 2.5pt double; text-align: right" title="Carrying Amount of Hedged Assets/(Liabilities)">199,393</td><td style="padding-bottom: 2.5pt; 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_c20231231_zqmLaxeLwXB" 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)">(607</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> <p id="xdx_8A9_zmABX0qsxEr" 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">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 December 31, 2023, the amortized cost basis of the closed portfolios used in these hedging relationships was $<span id="xdx_90F_eus-gaap--PrepayableFinancialAssetClosedPortfolioLastOfLayerAmortizedCost_iI_pn5n6_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_za6syoxcFBFe" title="Amortized cost basis of closed portfolios">461.2</span> million; the cumulative basis adjustments associated with these hedging relationships was approximately $<span id="xdx_906_eus-gaap--HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease_iNI_pn3p0_di_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zjnM5X2jnes5" title="Cumulative basis adjustments">607,000</span>; and the notional amount of the designated hedged items were $<span id="xdx_90D_eus-gaap--DerivativeAssetNotionalAmount_iI_pn5n6_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zW6JcDyJi96e" title="Notional amount">200</span> million. 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.</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>Non-hedging 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">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; 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>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"> </span></p> <p id="xdx_897_eus-gaap--FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock_z5JA8ZUsXrzi" style="font: 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_z3IuGCc8XX7e">The tables below present 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 December 31, 2024 and December 31, 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; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span style="text-decoration: underline">December 31, 2024</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="4" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Asset Derivatives</td> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="4" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Liability Derivatives</td> <td style="font-weight: bold; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </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 <br/> 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="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 <br/> 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="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="11" style="text-align: center">(Dollars in thousands)</td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="11" style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td>Derivatives not designated as hedging instruments:</td><td> </td> <td colspan="11" style="text-align: center"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; text-align: left; text-indent: -5.4pt; padding-left: 11.55pt">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: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20241231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zoaJvs0xrkR5" style="width: 12%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3471">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 12%; text-align: center; padding-left: 5.4pt"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_985_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20241231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zwkfmb6FDJrd" style="width: 12%; text-align: right">5,883</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: -5.4pt; padding-left: 11.55pt">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_c20241231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_z0QTDT2as5yh" style="border-bottom: Black 1pt solid; text-align: right">5,883</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_982_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20241231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_zORg9Q790Hrk" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3474">—</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: 2.5pt; padding-left: 7.05pt"> 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_90D_eus-gaap--DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20241231_zbkYC8cVMiyc" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherAssets"><span style="-sec-ix-hidden: xdx2ixbrl3475">Other Assets</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20241231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zc44khMd653" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative assets">5,883</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_903_eus-gaap--DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20241231_zOTWMsnRigFe" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherLiabilities"><span style="-sec-ix-hidden: xdx2ixbrl3478">Other Liabilities</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20241231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zqbMSBy1TGH7" style="border-bottom: Black 2.5pt double; text-align: right">5,883</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <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="padding-bottom: 1pt"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: -5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline">December 31, 2023</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: -5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="4" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Asset Derivatives</td> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="4" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Liability Derivatives</td> <td style="font-weight: bold; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </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 <br/> Location</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 style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance Sheet <br/> Location</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> </td><td> </td> <td colspan="11" style="text-align: center">(Dollars in thousands)</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0in">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="width: 44%; text-align: left; padding-left: 7.05pt">Interest rate swaps - fair value hedges</td><td style="width: 1%"> </td> <td style="width: 12%; padding-left: 5.4pt"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_znpilPg6ifR2" style="width: 12%; text-align: right" title="Fair value of derivative assets">651</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 12%; text-align: center; padding-left: 5.4pt"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zdovSGYdK1Wi" style="width: 12%; text-align: right" title="Fair value of derivative liability"><span style="-sec-ix-hidden: xdx2ixbrl3483">—</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; padding-left: 0in">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: -5.4pt; padding-left: 11.55pt">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_98B_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zGPPBhGnct88" style="text-align: right" title="Fair value of derivative assets"><span style="-sec-ix-hidden: xdx2ixbrl3485">—</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_98F_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_z2OY2YPZLsjl" style="text-align: right" title="Fair value of derivative liability">5,239</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: -5.4pt; padding-left: 11.55pt">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_986_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_z8g8d3xKXxrf" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of derivative assets">5,239</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_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_zPpLkvjMw71a" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of derivative liability"><span style="-sec-ix-hidden: xdx2ixbrl3491">—</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: 2.5pt; padding-left: 7.05pt"> 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_909_eus-gaap--DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20231231_z1cOAiUZWFId" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherAssets"><span style="-sec-ix-hidden: xdx2ixbrl3492">Other Assets</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zu8g1T8d1VRb" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative assets">5,890</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_90B_eus-gaap--DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20231231_zRORr7pRH8N5" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherLiabilities"><span style="-sec-ix-hidden: xdx2ixbrl3495">Other Liabilities</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zddTbSDLPu1k" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative liability">5,239</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A3_zSMPx8hi8qT5" 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_896_eus-gaap--ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_z7OU3w5ZQyVg" style="font: 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_zkn1OD93HEi5">The table below presents the effect of the Company’s derivative financial instruments on the statements of net income as of December 31, 2024, 2023 and 2022.</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="text-align: center; padding-left: 0.125in; text-indent: -0.125in"> </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: center"> </td> <td id="xdx_491_20240101__20241231__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zwsaD9dbmZvg" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_497_20230101__20231231__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zXbu5n82v808" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49D_20220101__20221231__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zxkbkF28yMJ9" style="border-top: Black 1pt solid; 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="text-align: center; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Location and Amount of Gain (Loss) Recognized in Income <br/> on Fair Value Hedging Relationships</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; 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">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; 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">2024</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">2023</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="10" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 0.125in; 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="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Balance sheet location</td><td> </td> <td colspan="2" style="text-align: center"><span style="font: 10pt Times New Roman, Times, Serif">Interest Income</span></td><td style="text-align: left"> </td><td> </td> <td colspan="2" style="text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"> Interest Income</span></td><td style="text-align: left"> </td><td> </td> <td colspan="2" style="text-align: center"><span style="font: 10pt Times New Roman, Times, Serif">Interest Income</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--GainLossOnFairValueHedgesRecognizedInEarnings_zU4AgDau8Gwg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-align: left; padding-left: 0.25in; text-indent: -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">$</td><td style="width: 12%; text-align: right">1,398</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,085</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: xdx2ixbrl3503">—</span></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-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></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0.25in; text-indent: -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></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.25in; text-indent: -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></tr> <tr id="xdx_406_eus-gaap--GainLossFromHedgedFirmCommitmentNotQualifyingAsFairValueHedgeNet_z3IQLO4ew0D3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.375in; text-indent: -0.125in">Hedged items</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">607</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(607</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: xdx2ixbrl3507">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--GainLossOnFairValueHedgeIneffectivenessNet_zudujc78QzBk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.375in; text-indent: -0.125in">Derivatives designated as hedging instruments</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">791</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,692</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: xdx2ixbrl3511">—</span></td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A4_zJRwAolLVu4h" 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">There were no gains or losses recognized in accumulated other comprehensive income during the years ended December 31, 2024 and 2023, 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"><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: 10pt Times New Roman, Times, Serif"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"> </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"><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 December 31, 2024, we had minimum collateral posting thresholds with certain of our derivative counterparties. As of December 31, 2024, 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_890_eus-gaap--ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_zfLa1NpUJNt6" style="font: 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 October of 2024, $200 million in notional amount of designated fair value hedges matured. As of December 31, 2024, the Company did not have any outstanding fair value hedges on the balance sheet. <span id="xdx_8BE_zuBvrFKHoqH8">As of December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges:</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: 95%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Item in the Balance Sheet in which the <br/> Hedged Item is Included</td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; white-space: nowrap; 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="2" style="border-bottom: Black 1pt solid; white-space: nowrap; font-weight: bold; text-align: center">Cumulative Amount of Fair <br/> Value Hedging Adjustments <br/> Included in the Carrying <br/> Amount of Hedged <br/> Assets/(Liabilities)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </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">At December 31, 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">At December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 58%; text-indent: -5.4pt; padding-left: 5.4pt"> <span id="xdx_905_eus-gaap--HedgedAssetStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20231231_zoYm4ogLpfMi" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"><span style="-sec-ix-hidden: xdx2ixbrl3455">Loans</span></span></td><td style="width: 1%"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--HedgedAssetFairValueHedge_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--LoansMember_zH15EZSQwdG4" style="border-bottom: Black 1pt solid; width: 18%; text-align: right">199,393</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--LoansMember_zQZQHrZu0QAc" style="border-bottom: Black 1pt solid; width: 18%; text-align: right">(607</td><td style="width: 1%; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 2.7pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--HedgedAssetFairValueHedge_iI_pn3n3_c20231231_zBdFCJ3LyHr6" style="border-bottom: Black 2.5pt double; text-align: right" title="Carrying Amount of Hedged Assets/(Liabilities)">199,393</td><td style="padding-bottom: 2.5pt; 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_c20231231_zqmLaxeLwXB" 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)">(607</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> 199393000 -607000 199393000 -607000 461200000 -607000 200000000 <p id="xdx_897_eus-gaap--FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock_z5JA8ZUsXrzi" style="font: 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_z3IuGCc8XX7e">The tables below present 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 December 31, 2024 and December 31, 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; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span style="text-decoration: underline">December 31, 2024</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="4" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Asset Derivatives</td> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="4" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Liability Derivatives</td> <td style="font-weight: bold; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </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 <br/> 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="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 <br/> 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="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="11" style="text-align: center">(Dollars in thousands)</td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="11" style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td>Derivatives not designated as hedging instruments:</td><td> </td> <td colspan="11" style="text-align: center"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; text-align: left; text-indent: -5.4pt; padding-left: 11.55pt">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: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20241231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zoaJvs0xrkR5" style="width: 12%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3471">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 12%; text-align: center; padding-left: 5.4pt"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_985_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20241231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zwkfmb6FDJrd" style="width: 12%; text-align: right">5,883</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: -5.4pt; padding-left: 11.55pt">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_c20241231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_z0QTDT2as5yh" style="border-bottom: Black 1pt solid; text-align: right">5,883</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_982_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20241231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_zORg9Q790Hrk" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3474">—</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: 2.5pt; padding-left: 7.05pt"> 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_90D_eus-gaap--DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20241231_zbkYC8cVMiyc" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherAssets"><span style="-sec-ix-hidden: xdx2ixbrl3475">Other Assets</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20241231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zc44khMd653" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative assets">5,883</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_903_eus-gaap--DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20241231_zOTWMsnRigFe" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherLiabilities"><span style="-sec-ix-hidden: xdx2ixbrl3478">Other Liabilities</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20241231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zqbMSBy1TGH7" style="border-bottom: Black 2.5pt double; text-align: right">5,883</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <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="padding-bottom: 1pt"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: -5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline">December 31, 2023</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: -5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="4" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Asset Derivatives</td> <td style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="4" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Liability Derivatives</td> <td style="font-weight: bold; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </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 <br/> Location</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 style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance Sheet <br/> Location</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> </td><td> </td> <td colspan="11" style="text-align: center">(Dollars in thousands)</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0in">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="width: 44%; text-align: left; padding-left: 7.05pt">Interest rate swaps - fair value hedges</td><td style="width: 1%"> </td> <td style="width: 12%; padding-left: 5.4pt"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_znpilPg6ifR2" style="width: 12%; text-align: right" title="Fair value of derivative assets">651</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 12%; text-align: center; padding-left: 5.4pt"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zdovSGYdK1Wi" style="width: 12%; text-align: right" title="Fair value of derivative liability"><span style="-sec-ix-hidden: xdx2ixbrl3483">—</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; padding-left: 0in">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: -5.4pt; padding-left: 11.55pt">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_98B_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zGPPBhGnct88" style="text-align: right" title="Fair value of derivative assets"><span style="-sec-ix-hidden: xdx2ixbrl3485">—</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_98F_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_z2OY2YPZLsjl" style="text-align: right" title="Fair value of derivative liability">5,239</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: -5.4pt; padding-left: 11.55pt">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_986_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_z8g8d3xKXxrf" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of derivative assets">5,239</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_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_zPpLkvjMw71a" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of derivative liability"><span style="-sec-ix-hidden: xdx2ixbrl3491">—</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: 2.5pt; padding-left: 7.05pt"> 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_909_eus-gaap--DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20231231_z1cOAiUZWFId" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherAssets"><span style="-sec-ix-hidden: xdx2ixbrl3492">Other Assets</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zu8g1T8d1VRb" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative assets">5,890</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_90B_eus-gaap--DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20231231_zRORr7pRH8N5" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherLiabilities"><span style="-sec-ix-hidden: xdx2ixbrl3495">Other Liabilities</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zddTbSDLPu1k" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative liability">5,239</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 5883000 5883000 5883000 5883000 651000 5239000 5239000 5890000 5239000 <p id="xdx_896_eus-gaap--ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_z7OU3w5ZQyVg" style="font: 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_zkn1OD93HEi5">The table below presents the effect of the Company’s derivative financial instruments on the statements of net income as of December 31, 2024, 2023 and 2022.</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="text-align: center; padding-left: 0.125in; text-indent: -0.125in"> </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: center"> </td> <td id="xdx_491_20240101__20241231__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zwsaD9dbmZvg" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_497_20230101__20231231__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zXbu5n82v808" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49D_20220101__20221231__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zxkbkF28yMJ9" style="border-top: Black 1pt solid; 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="text-align: center; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Location and Amount of Gain (Loss) Recognized in Income <br/> on Fair Value Hedging Relationships</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; 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">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; 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">2024</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">2023</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="10" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 0.125in; 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="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Balance sheet location</td><td> </td> <td colspan="2" style="text-align: center"><span style="font: 10pt Times New Roman, Times, Serif">Interest Income</span></td><td style="text-align: left"> </td><td> </td> <td colspan="2" style="text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"> Interest Income</span></td><td style="text-align: left"> </td><td> </td> <td colspan="2" style="text-align: center"><span style="font: 10pt Times New Roman, Times, Serif">Interest Income</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--GainLossOnFairValueHedgesRecognizedInEarnings_zU4AgDau8Gwg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-align: left; padding-left: 0.25in; text-indent: -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">$</td><td style="width: 12%; text-align: right">1,398</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,085</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: xdx2ixbrl3503">—</span></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-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></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0.25in; text-indent: -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></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.25in; text-indent: -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></tr> <tr id="xdx_406_eus-gaap--GainLossFromHedgedFirmCommitmentNotQualifyingAsFairValueHedgeNet_z3IQLO4ew0D3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.375in; text-indent: -0.125in">Hedged items</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">607</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(607</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: xdx2ixbrl3507">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--GainLossOnFairValueHedgeIneffectivenessNet_zudujc78QzBk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.375in; text-indent: -0.125in">Derivatives designated as hedging instruments</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">791</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,692</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: xdx2ixbrl3511">—</span></td><td style="text-align: left"> </td></tr> </table> 1398000 1085000 607000 -607000 791000 1692000 <p id="xdx_80E_eus-gaap--LesseeOperatingLeasesTextBlock_zIVFA9dBgcR3" style="font: 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-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>12.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_82D_zfVfKEbLPnZb">LEASES</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"> </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 lease agreements with lease and non-lease components, which are generally accounted for separately. We have not elected the practical expedient to account for lease and non-lease components as one lease component. The Company has operating leases for certain of our banking offices and ATMs. Our leases have remaining lease terms of less than <span id="xdx_904_eus-gaap--LesseeOperatingLeaseTermOfContract_iI_dc_c20241231__srt--RangeAxis__srt--MinimumMember_zMyYYY7pqTbe" title="Operating lease, term of contract">one year</span> to <span id="xdx_90A_eus-gaap--LesseeOperatingLeaseTermOfContract_iI_dt_c20241231__srt--RangeAxis__srt--MaximumMember_zIPtr5oqUYcg" title="Operating lease, term of contract">fourteen years</span>, some of which include options to extend the leases for additional <span id="xdx_90D_eus-gaap--LesseeOperatingLeaseRenewalTerm_iI_dxL_c20241231__srt--RangeAxis__srt--MinimumMember_zj7zYH5eZYxj" title="Operating lease, renewal term::XDX::P5Y"><span style="-sec-ix-hidden: xdx2ixbrl3520">five-year</span></span> terms up to <span id="xdx_903_eus-gaap--LesseeOperatingLeaseRenewalTerm_iI_dc_c20241231__srt--RangeAxis__srt--MaximumMember_z7sNo0Qkjp1" title="Operating lease, renewal term">ten years</span>. Operating lease costs were $<span id="xdx_903_eus-gaap--OperatingLeaseCost_pn5n6_c20240101__20241231_zlx6Cy0WQ7ph" title="Operating lease cost">1.6</span> million, $<span id="xdx_908_eus-gaap--OperatingLeaseCost_pn5n6_c20230101__20231231_zXxxAAYzHhK6" title="Operating lease cost">1.6</span> million, and $<span id="xdx_903_eus-gaap--OperatingLeaseCost_pn5n6_c20220101__20221231_zd0Tt6ZjchY6" title="Operating lease cost">1.5</span> million for the years ended December 31, 2024, 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_893_eus-gaap--CashFlowSupplementalDisclosuresTextBlock_zIFza2GX5Rc8" 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_8B1_zEg5ki0RPqea">Supplemental cash flow information related to leases was 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> </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_494_20240101__20241231_zf4YWAWnEzQk" 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_498_20230101__20231231_zTRug4nF1Ayj" 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> </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">Year Ended December 31,</td><td style="padding-bottom: 1pt; 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">2024</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></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </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_40D_eus-gaap--CashFlowOperatingActivitiesLesseeAbstract_iB_zw1SeB89a9T9" style="vertical-align: bottom"> <td style="text-align: left">Cash paid for amounts included in the measurement of lease 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></tr> <tr id="xdx_401_eus-gaap--OperatingLeasePayments_i01_pn3n3_uUSD_zWlLr4DVq5N2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 74%; text-align: left; padding-left: 0.125in"> Operating cash flows from operating leases</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,524</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">1,488</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--RightOfUseAssetsObtainedInExchangeForLeaseObligationsAbstract_iB_pn3n3_z9RE76PCmGb2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">ROU assets obtained in exchange for lease obligations:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability_i01_pn3n3_uUSD_zfFn8P1efgB6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">Operating leases</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">412</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A5_zkCZRhMVh319" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p id="xdx_890_eus-gaap--SupplementalBalanceSheetDisclosuresTextBlock_zxnNs4squwte" 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_8BC_zAD12RPljXmb">Supplemental balance sheet information related to leases was 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: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_497_20241231_zHf40JFSjD9d" style="border-bottom: Black 1pt solid; white-space: nowrap; font-weight: bold; text-align: center">December 31, 2024</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_498_20231231_zdHsv6kywiZ4" style="border-bottom: Black 1pt solid; white-space: nowrap; font-weight: bold; text-align: center">December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </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--OperatingLeaseRightOfUseAsset_iI_pn3n3_uUSD_zhkUKwHnWXg8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 50%; text-align: left; text-indent: -6.75pt; padding-left: 6.75pt">Operating lease ROU assets</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">7,383</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">8,201</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--OperatingLeaseLiability_iI_pn3n3_uUSD_z5VCTN9d1qLf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,673</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">8,471</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AE_zAIeHJc1W7Wi" 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">The weighted average remaining lease term for our operating leases was <span id="xdx_90C_eus-gaap--OperatingLeaseWeightedAverageRemainingLeaseTerm1_iI_dtY_c20241231_zafv7VaSww44" title="Weighted average remaining lease term">8.4</span> years with a weighted average discount rate of <span id="xdx_904_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pid_dp_uPure_c20241231_zVFff9Fy3z4d" title="Weighted average discount rate">3.33</span>% at December 31, 2024.</span></p> <p style="margin-top: 0; margin-bottom: 0"> </p> <p id="xdx_895_eus-gaap--LesseeOperatingLeaseLiabilityMaturityTableTextBlock_zf8ONRfwb5Qf" style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B5_zMPljfC9v0fa">Future undiscounted lease payments for the Company’s operating lease liabilities were as follows (in thousands):</span></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 40%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td> </td><td> </td> <td colspan="2" id="xdx_499_20241231_zXZHavotxZyh" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Years Ending December 31,</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_405_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_uUSD_maLOLLPzLYx_zUE6MJtrCea7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 22%; text-align: left">2025</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: 14%; text-align: right">1,474</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_uUSD_maLOLLPzLYx_zJxLevNqixo8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,358</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_uUSD_maLOLLPzLYx_zsvXBVn18vd1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">2027</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,099</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_uUSD_maLOLLPzLYx_z8oTuJMMAx4h" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2028</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">861</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFive_iI_pn3n3_uUSD_maLOLLPzLYx_zIFGH4Zstff5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">2029</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">821</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_iI_pn3n3_uUSD_maLOLLPzLYx_zsh4WZyNito1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Thereafter</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">3,262</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_iTI_pn3n3_uUSD_mtLOLLPzLYx_zxEd9kC82Czb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total lease payments</b></span></td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,875</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_uUSD_zwLXftG3Ht8j" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Less imputed interest</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">(1,202</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_402_eus-gaap--OperatingLeaseLiability_iI_pn3n3_uUSD_zYeZTpnTlvT9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></td><td style="padding-bottom: 2.5pt; font-weight: bold; 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">7,673</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A3_zMvvyuAV44B" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> P1Y P14Y P10Y 1600000 1600000 1500000 <p id="xdx_893_eus-gaap--CashFlowSupplementalDisclosuresTextBlock_zIFza2GX5Rc8" 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_8B1_zEg5ki0RPqea">Supplemental cash flow information related to leases was 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> </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_494_20240101__20241231_zf4YWAWnEzQk" 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_498_20230101__20231231_zTRug4nF1Ayj" 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> </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">Year Ended December 31,</td><td style="padding-bottom: 1pt; 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">2024</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></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </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_40D_eus-gaap--CashFlowOperatingActivitiesLesseeAbstract_iB_zw1SeB89a9T9" style="vertical-align: bottom"> <td style="text-align: left">Cash paid for amounts included in the measurement of lease 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></tr> <tr id="xdx_401_eus-gaap--OperatingLeasePayments_i01_pn3n3_uUSD_zWlLr4DVq5N2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 74%; text-align: left; padding-left: 0.125in"> Operating cash flows from operating leases</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,524</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">1,488</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--RightOfUseAssetsObtainedInExchangeForLeaseObligationsAbstract_iB_pn3n3_z9RE76PCmGb2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">ROU assets obtained in exchange for lease obligations:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability_i01_pn3n3_uUSD_zfFn8P1efgB6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">Operating leases</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">412</td><td style="text-align: left"> </td></tr> </table> 1524000 1488000 451000 412000 <p id="xdx_890_eus-gaap--SupplementalBalanceSheetDisclosuresTextBlock_zxnNs4squwte" 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_8BC_zAD12RPljXmb">Supplemental balance sheet information related to leases was 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: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_497_20241231_zHf40JFSjD9d" style="border-bottom: Black 1pt solid; white-space: nowrap; font-weight: bold; text-align: center">December 31, 2024</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_498_20231231_zdHsv6kywiZ4" style="border-bottom: Black 1pt solid; white-space: nowrap; font-weight: bold; text-align: center">December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </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--OperatingLeaseRightOfUseAsset_iI_pn3n3_uUSD_zhkUKwHnWXg8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 50%; text-align: left; text-indent: -6.75pt; padding-left: 6.75pt">Operating lease ROU assets</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">7,383</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">8,201</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--OperatingLeaseLiability_iI_pn3n3_uUSD_z5VCTN9d1qLf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,673</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">8,471</td><td style="text-align: left"> </td></tr> </table> 7383000 8201000 7673000 8471000 P8Y4M24D 0.0333 <p id="xdx_895_eus-gaap--LesseeOperatingLeaseLiabilityMaturityTableTextBlock_zf8ONRfwb5Qf" style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B5_zMPljfC9v0fa">Future undiscounted lease payments for the Company’s operating lease liabilities were as follows (in thousands):</span></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 40%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td> </td><td> </td> <td colspan="2" id="xdx_499_20241231_zXZHavotxZyh" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Years Ending December 31,</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_405_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_uUSD_maLOLLPzLYx_zUE6MJtrCea7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 22%; text-align: left">2025</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 14%; text-align: right">1,474</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_uUSD_maLOLLPzLYx_zJxLevNqixo8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,358</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_uUSD_maLOLLPzLYx_zsvXBVn18vd1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">2027</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,099</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_uUSD_maLOLLPzLYx_z8oTuJMMAx4h" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2028</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">861</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFive_iI_pn3n3_uUSD_maLOLLPzLYx_zIFGH4Zstff5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">2029</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">821</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_iI_pn3n3_uUSD_maLOLLPzLYx_zsh4WZyNito1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Thereafter</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">3,262</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_iTI_pn3n3_uUSD_mtLOLLPzLYx_zxEd9kC82Czb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total lease payments</b></span></td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,875</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_uUSD_zwLXftG3Ht8j" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Less imputed interest</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">(1,202</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_402_eus-gaap--OperatingLeaseLiability_iI_pn3n3_uUSD_zYeZTpnTlvT9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></td><td style="padding-bottom: 2.5pt; font-weight: bold; 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">7,673</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1474000 1358000 1099000 861000 821000 3262000 8875000 1202000 7673000 <p id="xdx_80B_eus-gaap--RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_z3DXxoXmCwOc" 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-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>13.</b></span></td><td id="xdx_828_zXASG2GKUpr1" style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>REGULATORY CAPITAL</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 style="font: 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 and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on our consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to savings and loan holding companies.</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">Federal banking regulations require the Company and the Bank to maintain minimum amounts and ratios of total, common equity Tier 1, Tier 1 and total capital to risk-weighted assets and Tier 1 capital to average assets, as set forth in the table below. Additionally, community banking institutions must maintain a capital conservation buffer of common equity Tier 1 capital in an amount greater than <span id="xdx_903_eus-gaap--BankingRegulationCapitalConservationBufferCapitalConservedMinimum_iI_pp4p2_c20241231_z7TQn0LbSCH" title="Capital conservation buffer of common equity Tier 1 capital, minimum percentage">2.5</span>% of total risk-weighted assets to avoid being subject to limitations on capital distributions and discretionary bonuses.</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 December 31, 2024, we exceeded each of the applicable regulatory capital requirements including the capital conservation buffer. As of December 31, 2024, 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.</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_899_eus-gaap--ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_z3qAjH7H7z3j" style="font: 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_8B7_zMuiOBIEu5C4">Our actual capital ratios of December 31, 2024 and December 31, 2023 are also presented in the following table.</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"> </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">Actual</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">Minimum For Capital <br/> Adequacy Purpose</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">Minimum To Be Well <br/> Capitalized Under Prompt <br/> Corrective Action Provisions</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">Amount</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">Ratio</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">Amount</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">Ratio</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">Amount</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">Ratio</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td> </td> <td colspan="22" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; padding-left: -0.125in"><span style="text-decoration: underline">December 31, 2024</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 style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0in">Total Capital (to Risk Weighted Assets):</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 46%; text-indent: 8pt; padding-left: 0in">Consolidated</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--Capital_iI_pn3n3_c20241231_z5An4xBfXtOf" style="width: 6%; text-align: right" title="Total Capital">285,545</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_eus-gaap--CapitalToRiskWeightedAssets_iI_pp4p2_c20241231_zA7WiRVWmq8a" style="width: 6%; text-align: right" title="Total Capital (to risk-weighted assets) ratio">14.38</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--CapitalRequiredForCapitalAdequacy_iI_pn3n3_c20241231_zhbAnPb6yogf" style="width: 6%; text-align: right" title="Minimum amount of capital for adequacy purposes">158,884</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--CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pp4p2_c20241231_z5XwQk1By3Wd" style="width: 6%; text-align: right" title="Minimum amount of capital for adequacy purposes, ratio">8.00</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: 6%; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </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: 6%; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; padding-left: 0in">Bank</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--Capital_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zyElTrx1Nyfl" style="text-align: right" title="Total Capital">270,879</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--CapitalToRiskWeightedAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zNiW7t6ephE3" style="text-align: right" title="Total Capital (to risk-weighted assets) ratio">13.65</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--CapitalRequiredForCapitalAdequacy_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zD6zyqdeMXZh" style="text-align: right" title="Minimum amount of capital for adequacy purposes">158,744</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zYBFJ5VNb954" style="text-align: right" title="Minimum amount of capital for adequacy purposes, ratio">8.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_986_eus-gaap--CapitalRequiredToBeWellCapitalized_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zc5JiSnY9yL6" style="text-align: right" title="Minimum Capital required to be well-capitalized">198,430</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zEtUBQ2yPHec" style="text-align: right" title="Minimum Capital required to be well-capitalized, ratio">10.00</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-left: 0in">Tier 1 Capital (to Risk Weighted Assets):</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 8pt; padding-left: 0in">Consolidated</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--TierOneRiskBasedCapital_iI_pn3n3_c20241231_zKieaE1dbGe6" style="text-align: right" title="Tier 1 Capital">245,663</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--TierOneRiskBasedCapitalToRiskWeightedAssets_iI_pp4p2_c20241231_z20tWndjJDll" style="text-align: right" title="Tier 1 Capital (to risk-weighted assets) ratio">12.37</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20241231_z6gHWSPBWdd" style="text-align: right" title="Minimum amount of Tier 1 Capital for adequacy purposes">119,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pp4p2_c20241231_zj5JVhhWAjv2" style="text-align: right" title="Minimum amount of Tier 1 Capital for adequacy purposes, ratio">6.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 8pt; padding-left: 0in">Bank</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--TierOneRiskBasedCapital_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zyHFlrbRcdEf" style="text-align: right" title="Tier 1 Capital">250,748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--TierOneRiskBasedCapitalToRiskWeightedAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_z0dbqEbNJQYh" style="text-align: right" title="Tier 1 Capital (to risk-weighted assets) ratio">12.64</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zVetdFIx28L7" style="text-align: right" title="Minimum amount of Tier 1 Capital for adequacy purposes">119,058</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zH9QYLaSkZpb" style="text-align: right" title="Minimum amount of Tier 1 Capital for adequacy purposes, ratio">6.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--TierOneRiskBasedCapitalRequiredToBeWellCapitalized_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_z63hdkeGeagg" style="text-align: right" title="Minimum Tier 1 Capital required to be well-capitalized">158,744</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zLRJY3PCiN36" style="text-align: right" title="Minimum Tier 1 Capital required to be well-capitalized, ratio">8.00</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Common Equity Tier 1 Capital (to Risk Weighted Assets):</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 8pt; padding-left: 0in">Consolidated</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--CommonEquityTierOneCapital_iI_pn3n3_c20241231_zddg9rRhqffd" style="text-align: right" title="Common Equity Tier 1 Capital">245,663</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--CommonEquityTierOneCapitalRatio_iI_pp4p2_c20241231_zeSMHrChoojf" style="text-align: right" title="Common Equity Tier 1 Capital (to risk-weighted assets) ratio">12.37</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--CommonEquityTierOneCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20241231_zFTtQupNDT44" style="text-align: right" title="Minimum amount of Common Equity Tier 1 Capital for adequacy purposes">89,372</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_iI_pp4p2_c20241231_zUs9nVbCkq75" style="text-align: right" title="Minimum amount of Common Equity Tier 1 Capital for adequacy purposes, ratio">4.50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; padding-left: 0in">Bank</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--CommonEquityTierOneCapital_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zFjmjqvR0az" style="text-align: right" title="Common Equity Tier 1 Capital">250,748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--CommonEquityTierOneCapitalRatio_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zqThtiYjTYyl" style="text-align: right" title="Common Equity Tier 1 Capital (to risk-weighted assets) ratio">12.64</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--CommonEquityTierOneCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zSQCfvOUUTp3" style="text-align: right" title="Minimum amount of Common Equity Tier 1 Capital for adequacy purposes">89,293</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zHO08kOFGxp3" style="text-align: right" title="Minimum amount of Common Equity Tier 1 Capital for adequacy purposes, ratio">4.50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--CommonEquityTierOneCapitalRequiredToBeWellCapitalized_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zJxVxpuSTb8j" style="text-align: right" title="Minimum Common Equity Tier 1 Capital required to be well-capitalized">128,979</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zZyPGprm9lXj" style="text-align: right" title="Minimum Common Equity Tier 1 Capital required to be well-capitalized, ratio">6.50</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-left: 0in">Tier 1 Leverage Ratio (to Adjusted Average Assets):</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 8pt; padding-left: 0in">Consolidated</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--TierOneLeverageCapital_iI_pn3n3_c20241231_z2iv5iSUhlw9" style="text-align: right" title="Tier 1 Leverage ratio">245,663</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--TierOneLeverageCapitalToAverageAssets_iI_pp4p2_c20241231_zoTxNlNJj8z3" style="text-align: right" title="Tier 1 Leverage (to adjusted average assets) ratio">9.14</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20241231_z8C9wN6IibFb" style="text-align: right" title="Minimum amount of Tier 1 Leverage for adequacy purposes">107,461</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_iI_pp4p2_c20241231_zHDQttlejkGb" style="text-align: right" title="Minimum amount of Tier 1 Leverage for adequacy purposes, ratio">4.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 8pt; padding-left: 0in">Bank</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--TierOneLeverageCapital_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zm1QHFdomo05" style="text-align: right" title="Tier 1 Leverage ratio">250,748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--TierOneLeverageCapitalToAverageAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zh6ATfpR2lT" style="text-align: right" title="Tier 1 Leverage (to adjusted average assets) ratio">9.34</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zjoGsRN6RW98" style="text-align: right" title="Minimum amount of Tier 1 Leverage for adequacy purposes">107,390</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zd9YDM4EF6pj" style="text-align: right" title="Minimum amount of Tier 1 Leverage for adequacy purposes, ratio">4.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--TierOneLeverageCapitalRequiredToBeWellCapitalized_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zRvEinXwsXEc" style="text-align: right" title="Minimum Tier 1 Capital required to be well-capitalized">134,237</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_z2vx9nfXl9Yd" style="text-align: right" title="Minimum Tier 1 Leverage required to be well-capitalized, ratio">5.00</td><td style="text-align: left"> </td></tr> </table> <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> </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">Actual</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">Minimum For Capital <br/> Adequacy Purpose</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">Minimum To Be Well <br/> Capitalized Under Prompt <br/> Corrective Action Provisions</td><td style="padding-bottom: 1pt; 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">Amount</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">Ratio</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">Amount</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">Ratio</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">Amount</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">Ratio</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="22" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span style="text-decoration: underline">December 31, 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"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; padding-left: 5.4pt">Total Capital (to Risk Weighted Assets):</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 46%; text-indent: 8pt; padding-left: 5.4pt">Consolidated</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--Capital_iI_pn3n3_c20231231_z2dcoXdiRwMb" style="width: 6%; text-align: right" title="Total Capital">285,760</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98E_eus-gaap--CapitalToRiskWeightedAssets_iI_pp4p2_c20231231_z02PpbyCpwJj" style="width: 6%; text-align: right" title="Total Capital (to risk-weighted assets) ratio">14.67</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--CapitalRequiredForCapitalAdequacy_iI_pn3n3_c20231231_zE4sUg8KoNLg" style="width: 6%; text-align: right" title="Minimum amount of capital for adequacy purposes">155,873</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--CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pp4p2_c20231231_zCN1Aiho6Ka4" style="width: 6%; text-align: right" title="Minimum amount of capital for adequacy purposes, ratio">8.00</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: 6%; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </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: 6%; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; padding-left: 5.4pt">Bank</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--Capital_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zlW05OKip1v5" style="text-align: right" title="Total Capital">271,420</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--CapitalToRiskWeightedAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zjDHJjIXTtK4" style="text-align: right" title="Total Capital (to risk-weighted assets) ratio">13.94</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--CapitalRequiredForCapitalAdequacy_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zF7yA124obuc" style="text-align: right" title="Minimum amount of capital for adequacy purposes">155,711</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zfue2nCjLfJ2" style="text-align: right" title="Minimum amount of capital for adequacy purposes, ratio">8.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_982_eus-gaap--CapitalRequiredToBeWellCapitalized_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zYtxrTvztMxe" style="text-align: right" title="Minimum Capital required to be well-capitalized">194,639</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zsxNcJHFWVW4" style="text-align: right" title="Minimum Capital required to be well-capitalized, ratio">10.00</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-left: 5.4pt">Tier 1 Capital (to Risk Weighted Assets):</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 8pt; padding-left: 5.4pt">Consolidated</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--TierOneRiskBasedCapital_iI_pn3n3_c20231231_z0FnS0NA9pIf" style="text-align: right" title="Tier 1 Capital">245,363</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--TierOneRiskBasedCapitalToRiskWeightedAssets_iI_pp4p2_c20231231_z7hc6ljFTM45" style="text-align: right" title="Tier 1 Capital (to risk-weighted assets) ratio">12.59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20231231_zp5faBAUGO3i" style="text-align: right" title="Minimum amount of Tier 1 Capital for adequacy purposes">116,905</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pp4p2_c20231231_zALGOwnwrbl8" style="text-align: right" title="Minimum amount of Tier 1 Capital for adequacy purposes, ratio">6.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 8pt; padding-left: 5.4pt">Bank</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--TierOneRiskBasedCapital_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zPJWJ2IvW7L8" style="text-align: right" title="Tier 1 Capital">250,734</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--TierOneRiskBasedCapitalToRiskWeightedAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zvatp4jp8LZd" style="text-align: right" title="Tier 1 Capital (to risk-weighted assets) ratio">12.88</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zBxO87rMTDTl" style="text-align: right" title="Minimum amount of Tier 1 Capital for adequacy purposes">116,783</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zLaXOzi1uIIi" style="text-align: right" title="Minimum amount of Tier 1 Capital for adequacy purposes, ratio">6.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--TierOneRiskBasedCapitalRequiredToBeWellCapitalized_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zDAvd4QNmRI7" style="text-align: right" title="Minimum Tier 1 Capital required to be well-capitalized">155,711</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zpkW8wlgZOog" style="text-align: right" title="Minimum Tier 1 Capital required to be well-capitalized, ratio">8.00</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Common Equity Tier 1 Capital (to Risk Weighted Assets):</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 8pt; padding-left: 5.4pt">Consolidated</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--CommonEquityTierOneCapital_iI_pn3n3_c20231231_zOa7uyfr2Kya" style="text-align: right" title="Common Equity Tier 1 Capital">245,363</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--CommonEquityTierOneCapitalRatio_iI_pp4p2_c20231231_z7WA7IMXeYTk" style="text-align: right" title="Common Equity Tier 1 Capital (to risk-weighted assets) ratio">12.59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--CommonEquityTierOneCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20231231_zMerh086oe3l" style="text-align: right" title="Minimum amount of Common Equity Tier 1 Capital for adequacy purposes">87,679</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_iI_pp4p2_c20231231_z2qXAVm4da7j" style="text-align: right" title="Minimum amount of Common Equity Tier 1 Capital for adequacy purposes, ratio">4.50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; padding-left: 5.4pt">Bank</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--CommonEquityTierOneCapital_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_z5jF5ukc5yZ3" style="text-align: right" title="Common Equity Tier 1 Capital">250,734</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--CommonEquityTierOneCapitalRatio_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zBvBrnhzBlOc" style="text-align: right" title="Common Equity Tier 1 Capital (to risk-weighted assets) ratio">12.88</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--CommonEquityTierOneCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zOPHOS1iQMd6" style="text-align: right" title="Minimum amount of Common Equity Tier 1 Capital for adequacy purposes">87,587</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zx7R2uKNOhF3" style="text-align: right" title="Minimum amount of Common Equity Tier 1 Capital for adequacy purposes, ratio">4.50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--CommonEquityTierOneCapitalRequiredToBeWellCapitalized_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_znSOqJF573Qj" style="text-align: right" title="Minimum Common Equity Tier 1 Capital required to be well-capitalized">126,515</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zJbqJurFm2dj" style="text-align: right" title="Minimum Common Equity Tier 1 Capital required to be well-capitalized, ratio">6.50</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-left: 5.4pt">Tier 1 Leverage Ratio (to Adjusted Average Assets):</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 8pt; padding-left: 5.4pt">Consolidated</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--TierOneLeverageCapital_iI_pn3n3_c20231231_zHUad3gOV0p3" style="text-align: right" title="Tier 1 Leverage ratio">245,363</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--TierOneLeverageCapitalToAverageAssets_iI_pp4p2_c20231231_z8MpV2FCQFwf" style="text-align: right" title="Tier 1 Leverage (to adjusted average assets) ratio">9.40</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20231231_zQCrfrpdPTb7" style="text-align: right" title="Minimum amount of Tier 1 Leverage for adequacy purposes">104,400</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_iI_pp4p2_c20231231_zN1K6yRfSgud" style="text-align: right" title="Minimum amount of Tier 1 Leverage for adequacy purposes, ratio">4.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 8pt; padding-left: 5.4pt">Bank</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--TierOneLeverageCapital_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_z9gEGdcT72h4" style="text-align: right" title="Tier 1 Leverage ratio">250,734</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--TierOneLeverageCapitalToAverageAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zWQxpK0wSr97" style="text-align: right" title="Tier 1 Leverage (to adjusted average assets) ratio">9.62</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_z4ah21g3vOL4" style="text-align: right" title="Minimum amount of Tier 1 Leverage for adequacy purposes">104,290</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zWNdfXtmbOkd" style="text-align: right" title="Minimum amount of Tier 1 Leverage for adequacy purposes, ratio">4.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--TierOneLeverageCapitalRequiredToBeWellCapitalized_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_z0upFtAlfrh4" style="text-align: right" title="Minimum Tier 1 Capital required to be well-capitalized">130,363</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zh2EMickV0O9" style="text-align: right" title="Minimum Tier 1 Leverage required to be well-capitalized, ratio">5.00</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AE_zxNKfdSePgZ5" style="margin-top: 0; margin-bottom: 0"> </p> <p id="xdx_89C_ecustom--ReconciliationOfStockholdersEquityToRegulatoryCapitalTableTextBlock_z7nt34HSire3" 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_8B4_znvhJGIvfJRi">The following is a reconciliation of our GAAP capital to regulatory Tier 1, Common Equity Tier 1 and total capital:</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: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </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_49A_20241231_z7QHXn8JJsL3" 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_49B_20231231_zBJbKpSA6wB4" 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> </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">December 31,</td><td style="padding-bottom: 1pt; 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">2024</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></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_40E_eus-gaap--StockholdersEquity_iI_pn3n3_uUSD_maTORBCzcu8_zrhJ4L1MbaOk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 58%; text-align: left">Consolidated GAAP capital</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">235,910</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">237,409</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--NetUnrealizedLossesOnAvailableforsaleSecuritiesNetOfTax_iI_pn3n3_uUSD_maTORBCzcu8_zMLBuApEbY8d" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net unrealized losses on available-for-sale securities, net of tax</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">23,274</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,744</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--Goodwill_iNI_pn3n3_di_uUSD_msTORBCzcu8_z6FIJYE0ej9b" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Goodwill</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(12,487</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(12,487</td><td style="text-align: left">)</td></tr> <tr id="xdx_40E_ecustom--IntangibleAssetsNetOfAssociatedDeferredTaxLiabilities_iNI_pn3n3_di_uUSD_msTORBCzcu8_z7zN4hcapwmj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Intangible assets, net of associated deferred tax liabilities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,034</td><td style="padding-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">(1,303</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_409_eus-gaap--TierOneRiskBasedCapital_iTI_pn3n3_uUSD_mtTORBCzcu8_maCz24g_z4oPrkeHQi5f" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in">Tier 1 and Common Equity Tier 1 capital</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">245,663</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">245,363</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--ValuationAllowancesAndReservesBalance_iI_pn3n3_uUSD_maCz24g_zWwt6KewZe5b" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">Allowance for credit losses for regulatory capital</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">20,131</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">20,685</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--SubordinatedDebt_iI_pn3n3_uUSD_maCz24g_zpphK3AcUzVk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Subordinated debt</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">19,751</td><td style="padding-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">19,712</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--Capital_iTI_pn3n3_uUSD_mtCz24g_zrQuTfjxgs5i" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total regulatory capital</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">285,545</td><td style="padding-bottom: 2.5pt; 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">285,760</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A1_zPWVtR77L4Q7" 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">On May 22, 2024, the Board of Directors authorized a new stock repurchase plan (the “2024 Plan”) under which the Company may repurchase up to <span id="xdx_904_esrt--StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased_iI_pn5n6_uShares_c20240522__srt--ShareRepurchaseProgramAxis__custom--RepurchasePlan2024Member_zVwInZnKwwLj" title="Number of shares authorized to be repurchased">1.0</span> million shares, or approximately <span id="xdx_90C_ecustom--PercentageOfCommonEquity_iI_dp_c20240522__srt--ShareRepurchaseProgramAxis__custom--RepurchasePlan2024Member_zmhNuiO70I3c" title="Number of shares authorized to be repurchased as percentage of total outstanding shares of common stock">4.6</span>%, of the Company’s then-outstanding shares of common stock.</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">During the three months ended December 31, 2024, the Company repurchased <span id="xdx_908_eus-gaap--StockRepurchasedDuringPeriodShares_pid_uShares_c20241001__20241231__srt--ShareRepurchaseProgramAxis__custom--RepurchasePlan2024Member_zgcBJjk9TlKl" title="Common stock repurchased (in shares)">220,000</span> shares of common stock under the 2024 Plan, with an average price per share of <span id="xdx_903_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pid_c20241001__20241231__srt--ShareRepurchaseProgramAxis__custom--RepurchasePlan2024Member_ztWYWpjCokxj" title="Common stock repurchased, average price per share">$9.00</span>. During the twelve months ended December 31, 2024, the Company repurchased <span id="xdx_906_eus-gaap--StockRepurchasedDuringPeriodShares_pid_c20240101__20241231__srt--ShareRepurchaseProgramAxis__custom--RepurchasePlan2024AndPreviousPlanMember_zxd1RFHoITnc" title="Common stock repurchased (in shares)">934,282</span> shares of common stock under the 2024 Plan and the previously existing share repurchase plan, as applicable, with an average price per share of <span id="xdx_90E_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pid_c20240101__20241231__srt--ShareRepurchaseProgramAxis__custom--RepurchasePlan2024AndPreviousPlanMember_zUlQbivaCw6a" title="Common stock repurchased, average price per share">$7.94</span>. As of December 31, 2024, there were <span id="xdx_904_eus-gaap--StockRepurchaseProgramRemainingNumberOfSharesAuthorizedToBeRepurchased_iI_pid_c20241231__srt--ShareRepurchaseProgramAxis__custom--RepurchasePlan2024Member_zXQATjrYvx07" title="Shares remaining under plan">472,318</span> shares of common stock available for repurchase under the 2024 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">We are subject to dividend restrictions imposed by various regulators, including a limitation on the total of all dividends that the Bank may pay to the Company in any calendar year, to an amount that shall not exceed the Bank’s net income for the current year, plus its net income retained for the two previous years, without regulatory approval. At December 31, 2024, the Bank had $<span id="xdx_90D_eus-gaap--StatutoryAccountingPracticesStatutoryAmountAvailableForDividendPaymentsWithoutRegulatoryApproval_iI_pn5n6_c20241231_zXaqSx4m14m1" title="Amount available for payment of dividends without prior regulatory approval">5.3</span> million in retained earnings available for payment of dividends without prior regulatory approval. In addition, the Bank may not declare or pay dividends on, and we may not repurchase, any of our shares of common stock if the effect thereof would cause shareholders’ equity to be reduced below applicable regulatory capital maintenance requirements or if such declaration, payment or repurchase would otherwise violate regulatory requirements. The Bank will be prohibited from paying cash dividends to the Company to the extent that any such payment would reduce the Bank’s capital below required capital levels. Accordingly, $<span id="xdx_90D_eus-gaap--EquityRestrictions_iI_pn5n6_c20241231_zrwXzuiFRZB2" title="Restricted equity in net assets">159.0</span> million and $<span id="xdx_902_eus-gaap--EquityRestrictions_iI_pn5n6_c20231231_zqlR8cuEziof" title="Restricted equity in net assets">156.0</span> million of our equity in the net assets of the Bank was restricted at December 31, 2024 and 2023, respectively.</span></p> 0.025 <p id="xdx_899_eus-gaap--ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_z3qAjH7H7z3j" style="font: 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_8B7_zMuiOBIEu5C4">Our actual capital ratios of December 31, 2024 and December 31, 2023 are also presented in the following table.</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"> </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">Actual</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">Minimum For Capital <br/> Adequacy Purpose</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">Minimum To Be Well <br/> Capitalized Under Prompt <br/> Corrective Action Provisions</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="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">Amount</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">Ratio</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">Amount</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">Ratio</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">Amount</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">Ratio</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td> </td> <td colspan="22" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; padding-left: -0.125in"><span style="text-decoration: underline">December 31, 2024</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 style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0in">Total Capital (to Risk Weighted Assets):</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 46%; text-indent: 8pt; padding-left: 0in">Consolidated</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--Capital_iI_pn3n3_c20241231_z5An4xBfXtOf" style="width: 6%; text-align: right" title="Total Capital">285,545</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_eus-gaap--CapitalToRiskWeightedAssets_iI_pp4p2_c20241231_zA7WiRVWmq8a" style="width: 6%; text-align: right" title="Total Capital (to risk-weighted assets) ratio">14.38</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--CapitalRequiredForCapitalAdequacy_iI_pn3n3_c20241231_zhbAnPb6yogf" style="width: 6%; text-align: right" title="Minimum amount of capital for adequacy purposes">158,884</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--CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pp4p2_c20241231_z5XwQk1By3Wd" style="width: 6%; text-align: right" title="Minimum amount of capital for adequacy purposes, ratio">8.00</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: 6%; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </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: 6%; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; padding-left: 0in">Bank</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--Capital_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zyElTrx1Nyfl" style="text-align: right" title="Total Capital">270,879</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--CapitalToRiskWeightedAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zNiW7t6ephE3" style="text-align: right" title="Total Capital (to risk-weighted assets) ratio">13.65</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--CapitalRequiredForCapitalAdequacy_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zD6zyqdeMXZh" style="text-align: right" title="Minimum amount of capital for adequacy purposes">158,744</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zYBFJ5VNb954" style="text-align: right" title="Minimum amount of capital for adequacy purposes, ratio">8.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_986_eus-gaap--CapitalRequiredToBeWellCapitalized_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zc5JiSnY9yL6" style="text-align: right" title="Minimum Capital required to be well-capitalized">198,430</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zEtUBQ2yPHec" style="text-align: right" title="Minimum Capital required to be well-capitalized, ratio">10.00</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-left: 0in">Tier 1 Capital (to Risk Weighted Assets):</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 8pt; padding-left: 0in">Consolidated</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--TierOneRiskBasedCapital_iI_pn3n3_c20241231_zKieaE1dbGe6" style="text-align: right" title="Tier 1 Capital">245,663</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--TierOneRiskBasedCapitalToRiskWeightedAssets_iI_pp4p2_c20241231_z20tWndjJDll" style="text-align: right" title="Tier 1 Capital (to risk-weighted assets) ratio">12.37</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20241231_z6gHWSPBWdd" style="text-align: right" title="Minimum amount of Tier 1 Capital for adequacy purposes">119,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pp4p2_c20241231_zj5JVhhWAjv2" style="text-align: right" title="Minimum amount of Tier 1 Capital for adequacy purposes, ratio">6.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 8pt; padding-left: 0in">Bank</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--TierOneRiskBasedCapital_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zyHFlrbRcdEf" style="text-align: right" title="Tier 1 Capital">250,748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--TierOneRiskBasedCapitalToRiskWeightedAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_z0dbqEbNJQYh" style="text-align: right" title="Tier 1 Capital (to risk-weighted assets) ratio">12.64</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zVetdFIx28L7" style="text-align: right" title="Minimum amount of Tier 1 Capital for adequacy purposes">119,058</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zH9QYLaSkZpb" style="text-align: right" title="Minimum amount of Tier 1 Capital for adequacy purposes, ratio">6.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--TierOneRiskBasedCapitalRequiredToBeWellCapitalized_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_z63hdkeGeagg" style="text-align: right" title="Minimum Tier 1 Capital required to be well-capitalized">158,744</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zLRJY3PCiN36" style="text-align: right" title="Minimum Tier 1 Capital required to be well-capitalized, ratio">8.00</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Common Equity Tier 1 Capital (to Risk Weighted Assets):</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 8pt; padding-left: 0in">Consolidated</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--CommonEquityTierOneCapital_iI_pn3n3_c20241231_zddg9rRhqffd" style="text-align: right" title="Common Equity Tier 1 Capital">245,663</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--CommonEquityTierOneCapitalRatio_iI_pp4p2_c20241231_zeSMHrChoojf" style="text-align: right" title="Common Equity Tier 1 Capital (to risk-weighted assets) ratio">12.37</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--CommonEquityTierOneCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20241231_zFTtQupNDT44" style="text-align: right" title="Minimum amount of Common Equity Tier 1 Capital for adequacy purposes">89,372</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_iI_pp4p2_c20241231_zUs9nVbCkq75" style="text-align: right" title="Minimum amount of Common Equity Tier 1 Capital for adequacy purposes, ratio">4.50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; padding-left: 0in">Bank</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--CommonEquityTierOneCapital_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zFjmjqvR0az" style="text-align: right" title="Common Equity Tier 1 Capital">250,748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--CommonEquityTierOneCapitalRatio_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zqThtiYjTYyl" style="text-align: right" title="Common Equity Tier 1 Capital (to risk-weighted assets) ratio">12.64</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--CommonEquityTierOneCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zSQCfvOUUTp3" style="text-align: right" title="Minimum amount of Common Equity Tier 1 Capital for adequacy purposes">89,293</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zHO08kOFGxp3" style="text-align: right" title="Minimum amount of Common Equity Tier 1 Capital for adequacy purposes, ratio">4.50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--CommonEquityTierOneCapitalRequiredToBeWellCapitalized_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zJxVxpuSTb8j" style="text-align: right" title="Minimum Common Equity Tier 1 Capital required to be well-capitalized">128,979</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zZyPGprm9lXj" style="text-align: right" title="Minimum Common Equity Tier 1 Capital required to be well-capitalized, ratio">6.50</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-left: 0in">Tier 1 Leverage Ratio (to Adjusted Average Assets):</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 8pt; padding-left: 0in">Consolidated</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--TierOneLeverageCapital_iI_pn3n3_c20241231_z2iv5iSUhlw9" style="text-align: right" title="Tier 1 Leverage ratio">245,663</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--TierOneLeverageCapitalToAverageAssets_iI_pp4p2_c20241231_zoTxNlNJj8z3" style="text-align: right" title="Tier 1 Leverage (to adjusted average assets) ratio">9.14</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20241231_z8C9wN6IibFb" style="text-align: right" title="Minimum amount of Tier 1 Leverage for adequacy purposes">107,461</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_iI_pp4p2_c20241231_zHDQttlejkGb" style="text-align: right" title="Minimum amount of Tier 1 Leverage for adequacy purposes, ratio">4.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 8pt; padding-left: 0in">Bank</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--TierOneLeverageCapital_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zm1QHFdomo05" style="text-align: right" title="Tier 1 Leverage ratio">250,748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--TierOneLeverageCapitalToAverageAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zh6ATfpR2lT" style="text-align: right" title="Tier 1 Leverage (to adjusted average assets) ratio">9.34</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zjoGsRN6RW98" style="text-align: right" title="Minimum amount of Tier 1 Leverage for adequacy purposes">107,390</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zd9YDM4EF6pj" style="text-align: right" title="Minimum amount of Tier 1 Leverage for adequacy purposes, ratio">4.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--TierOneLeverageCapitalRequiredToBeWellCapitalized_iI_pn3n3_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zRvEinXwsXEc" style="text-align: right" title="Minimum Tier 1 Capital required to be well-capitalized">134,237</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_iI_pp4p2_c20241231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_z2vx9nfXl9Yd" style="text-align: right" title="Minimum Tier 1 Leverage required to be well-capitalized, ratio">5.00</td><td style="text-align: left"> </td></tr> </table> <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> </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">Actual</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">Minimum For Capital <br/> Adequacy Purpose</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">Minimum To Be Well <br/> Capitalized Under Prompt <br/> Corrective Action Provisions</td><td style="padding-bottom: 1pt; 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">Amount</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">Ratio</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">Amount</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">Ratio</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">Amount</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">Ratio</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="22" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span style="text-decoration: underline">December 31, 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"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; padding-left: 5.4pt">Total Capital (to Risk Weighted Assets):</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 46%; text-indent: 8pt; padding-left: 5.4pt">Consolidated</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--Capital_iI_pn3n3_c20231231_z2dcoXdiRwMb" style="width: 6%; text-align: right" title="Total Capital">285,760</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98E_eus-gaap--CapitalToRiskWeightedAssets_iI_pp4p2_c20231231_z02PpbyCpwJj" style="width: 6%; text-align: right" title="Total Capital (to risk-weighted assets) ratio">14.67</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--CapitalRequiredForCapitalAdequacy_iI_pn3n3_c20231231_zE4sUg8KoNLg" style="width: 6%; text-align: right" title="Minimum amount of capital for adequacy purposes">155,873</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--CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pp4p2_c20231231_zCN1Aiho6Ka4" style="width: 6%; text-align: right" title="Minimum amount of capital for adequacy purposes, ratio">8.00</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: 6%; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </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: 6%; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; padding-left: 5.4pt">Bank</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--Capital_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zlW05OKip1v5" style="text-align: right" title="Total Capital">271,420</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--CapitalToRiskWeightedAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zjDHJjIXTtK4" style="text-align: right" title="Total Capital (to risk-weighted assets) ratio">13.94</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--CapitalRequiredForCapitalAdequacy_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zF7yA124obuc" style="text-align: right" title="Minimum amount of capital for adequacy purposes">155,711</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zfue2nCjLfJ2" style="text-align: right" title="Minimum amount of capital for adequacy purposes, ratio">8.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_982_eus-gaap--CapitalRequiredToBeWellCapitalized_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zYtxrTvztMxe" style="text-align: right" title="Minimum Capital required to be well-capitalized">194,639</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zsxNcJHFWVW4" style="text-align: right" title="Minimum Capital required to be well-capitalized, ratio">10.00</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-left: 5.4pt">Tier 1 Capital (to Risk Weighted Assets):</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 8pt; padding-left: 5.4pt">Consolidated</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--TierOneRiskBasedCapital_iI_pn3n3_c20231231_z0FnS0NA9pIf" style="text-align: right" title="Tier 1 Capital">245,363</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--TierOneRiskBasedCapitalToRiskWeightedAssets_iI_pp4p2_c20231231_z7hc6ljFTM45" style="text-align: right" title="Tier 1 Capital (to risk-weighted assets) ratio">12.59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20231231_zp5faBAUGO3i" style="text-align: right" title="Minimum amount of Tier 1 Capital for adequacy purposes">116,905</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pp4p2_c20231231_zALGOwnwrbl8" style="text-align: right" title="Minimum amount of Tier 1 Capital for adequacy purposes, ratio">6.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 8pt; padding-left: 5.4pt">Bank</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--TierOneRiskBasedCapital_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zPJWJ2IvW7L8" style="text-align: right" title="Tier 1 Capital">250,734</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--TierOneRiskBasedCapitalToRiskWeightedAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zvatp4jp8LZd" style="text-align: right" title="Tier 1 Capital (to risk-weighted assets) ratio">12.88</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zBxO87rMTDTl" style="text-align: right" title="Minimum amount of Tier 1 Capital for adequacy purposes">116,783</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zLaXOzi1uIIi" style="text-align: right" title="Minimum amount of Tier 1 Capital for adequacy purposes, ratio">6.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--TierOneRiskBasedCapitalRequiredToBeWellCapitalized_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zDAvd4QNmRI7" style="text-align: right" title="Minimum Tier 1 Capital required to be well-capitalized">155,711</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zpkW8wlgZOog" style="text-align: right" title="Minimum Tier 1 Capital required to be well-capitalized, ratio">8.00</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Common Equity Tier 1 Capital (to Risk Weighted Assets):</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 8pt; padding-left: 5.4pt">Consolidated</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--CommonEquityTierOneCapital_iI_pn3n3_c20231231_zOa7uyfr2Kya" style="text-align: right" title="Common Equity Tier 1 Capital">245,363</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--CommonEquityTierOneCapitalRatio_iI_pp4p2_c20231231_z7WA7IMXeYTk" style="text-align: right" title="Common Equity Tier 1 Capital (to risk-weighted assets) ratio">12.59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--CommonEquityTierOneCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20231231_zMerh086oe3l" style="text-align: right" title="Minimum amount of Common Equity Tier 1 Capital for adequacy purposes">87,679</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_iI_pp4p2_c20231231_z2qXAVm4da7j" style="text-align: right" title="Minimum amount of Common Equity Tier 1 Capital for adequacy purposes, ratio">4.50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; padding-left: 5.4pt">Bank</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--CommonEquityTierOneCapital_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_z5jF5ukc5yZ3" style="text-align: right" title="Common Equity Tier 1 Capital">250,734</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--CommonEquityTierOneCapitalRatio_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zBvBrnhzBlOc" style="text-align: right" title="Common Equity Tier 1 Capital (to risk-weighted assets) ratio">12.88</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--CommonEquityTierOneCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zOPHOS1iQMd6" style="text-align: right" title="Minimum amount of Common Equity Tier 1 Capital for adequacy purposes">87,587</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zx7R2uKNOhF3" style="text-align: right" title="Minimum amount of Common Equity Tier 1 Capital for adequacy purposes, ratio">4.50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--CommonEquityTierOneCapitalRequiredToBeWellCapitalized_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_znSOqJF573Qj" style="text-align: right" title="Minimum Common Equity Tier 1 Capital required to be well-capitalized">126,515</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zJbqJurFm2dj" style="text-align: right" title="Minimum Common Equity Tier 1 Capital required to be well-capitalized, ratio">6.50</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-left: 5.4pt">Tier 1 Leverage Ratio (to Adjusted Average Assets):</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 8pt; padding-left: 5.4pt">Consolidated</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--TierOneLeverageCapital_iI_pn3n3_c20231231_zHUad3gOV0p3" style="text-align: right" title="Tier 1 Leverage ratio">245,363</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--TierOneLeverageCapitalToAverageAssets_iI_pp4p2_c20231231_z8MpV2FCQFwf" style="text-align: right" title="Tier 1 Leverage (to adjusted average assets) ratio">9.40</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20231231_zQCrfrpdPTb7" style="text-align: right" title="Minimum amount of Tier 1 Leverage for adequacy purposes">104,400</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_iI_pp4p2_c20231231_zN1K6yRfSgud" style="text-align: right" title="Minimum amount of Tier 1 Leverage for adequacy purposes, ratio">4.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> N/A </span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 8pt; padding-left: 5.4pt">Bank</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--TierOneLeverageCapital_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_z9gEGdcT72h4" style="text-align: right" title="Tier 1 Leverage ratio">250,734</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--TierOneLeverageCapitalToAverageAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zWQxpK0wSr97" style="text-align: right" title="Tier 1 Leverage (to adjusted average assets) ratio">9.62</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacy_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_z4ah21g3vOL4" style="text-align: right" title="Minimum amount of Tier 1 Leverage for adequacy purposes">104,290</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zWNdfXtmbOkd" style="text-align: right" title="Minimum amount of Tier 1 Leverage for adequacy purposes, ratio">4.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--TierOneLeverageCapitalRequiredToBeWellCapitalized_iI_pn3n3_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_z0upFtAlfrh4" style="text-align: right" title="Minimum Tier 1 Capital required to be well-capitalized">130,363</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_iI_pp4p2_c20231231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_zh2EMickV0O9" style="text-align: right" title="Minimum Tier 1 Leverage required to be well-capitalized, ratio">5.00</td><td style="text-align: left"> </td></tr> </table> 285545000 0.1438 158884000 0.0800 270879000 0.1365 158744000 0.0800 198430000 0.1000 245663000 0.1237 119163000 0.0600 250748000 0.1264 119058000 0.0600 158744000 0.0800 245663000 0.1237 89372000 0.0450 250748000 0.1264 89293000 0.0450 128979000 0.0650 245663000 0.0914 107461000 0.0400 250748000 0.0934 107390000 0.0400 134237000 0.0500 285760000 0.1467 155873000 0.0800 271420000 0.1394 155711000 0.0800 194639000 0.1000 245363000 0.1259 116905000 0.0600 250734000 0.1288 116783000 0.0600 155711000 0.0800 245363000 0.1259 87679000 0.0450 250734000 0.1288 87587000 0.0450 126515000 0.0650 245363000 0.0940 104400000 0.0400 250734000 0.0962 104290000 0.0400 130363000 0.0500 <p id="xdx_89C_ecustom--ReconciliationOfStockholdersEquityToRegulatoryCapitalTableTextBlock_z7nt34HSire3" 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_8B4_znvhJGIvfJRi">The following is a reconciliation of our GAAP capital to regulatory Tier 1, Common Equity Tier 1 and total capital:</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: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </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_49A_20241231_z7QHXn8JJsL3" 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_49B_20231231_zBJbKpSA6wB4" 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> </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">December 31,</td><td style="padding-bottom: 1pt; 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">2024</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></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_40E_eus-gaap--StockholdersEquity_iI_pn3n3_uUSD_maTORBCzcu8_zrhJ4L1MbaOk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 58%; text-align: left">Consolidated GAAP capital</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">235,910</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">237,409</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--NetUnrealizedLossesOnAvailableforsaleSecuritiesNetOfTax_iI_pn3n3_uUSD_maTORBCzcu8_zMLBuApEbY8d" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net unrealized losses on available-for-sale securities, net of tax</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">23,274</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,744</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--Goodwill_iNI_pn3n3_di_uUSD_msTORBCzcu8_z6FIJYE0ej9b" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Goodwill</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(12,487</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(12,487</td><td style="text-align: left">)</td></tr> <tr id="xdx_40E_ecustom--IntangibleAssetsNetOfAssociatedDeferredTaxLiabilities_iNI_pn3n3_di_uUSD_msTORBCzcu8_z7zN4hcapwmj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Intangible assets, net of associated deferred tax liabilities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,034</td><td style="padding-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">(1,303</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_409_eus-gaap--TierOneRiskBasedCapital_iTI_pn3n3_uUSD_mtTORBCzcu8_maCz24g_z4oPrkeHQi5f" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in">Tier 1 and Common Equity Tier 1 capital</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">245,663</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">245,363</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--ValuationAllowancesAndReservesBalance_iI_pn3n3_uUSD_maCz24g_zWwt6KewZe5b" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">Allowance for credit losses for regulatory capital</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">20,131</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">20,685</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--SubordinatedDebt_iI_pn3n3_uUSD_maCz24g_zpphK3AcUzVk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Subordinated debt</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">19,751</td><td style="padding-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">19,712</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--Capital_iTI_pn3n3_uUSD_mtCz24g_zrQuTfjxgs5i" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total regulatory capital</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">285,545</td><td style="padding-bottom: 2.5pt; 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">285,760</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 235910000 237409000 23274000 21744000 12487000 12487000 1034000 1303000 245663000 245363000 20131000 20685000 19751000 19712000 285545000 285760000 1000000.0 0.046 220000 9.00 934282 7.94 472318 5300000 159000000.0 156000000.0 <p id="xdx_80B_eus-gaap--IncomeTaxDisclosureTextBlock_zhJNHF3OkBj1" style="font: 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-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>14.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_820_zL7SaWhuCU31">INCOME TAXES</span></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 id="xdx_89D_eus-gaap--ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_z3FFgex990p2" 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_8BE_zGE7G1OTCeQ6">Income taxes consist of the following:</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: 95%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </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_494_20240101__20241231_z5zvgmwJFYH9" 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_492_20230101__20231231_zQGAR0gB4GU5" 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_49E_20220101__20221231_zxhQEeQT3vyh" 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> </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">Years Ended December 31,</td><td style="padding-bottom: 1pt; 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">2024</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> </td><td> </td> <td colspan="10" style="text-align: center">(Dollars in thousands)</td><td> </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></tr> <tr id="xdx_403_eus-gaap--CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_iB_zv079Debsmk8" style="vertical-align: bottom"> <td style="text-align: left">Current tax provision:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--CurrentFederalTaxExpenseBenefit_pn3n3_uUSD_maCITEBzs8S_zoqfXqqaXK8e" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 61%; padding-left: 0.125in">Federal</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">2,089</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">2,990</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">5,251</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--CurrentStateAndLocalTaxExpenseBenefit_pn3n3_uUSD_maCITEBzs8S_z4S4f7Qw8r19" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in">State</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,024</td><td style="padding-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">1,335</td><td style="padding-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">2,403</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--CurrentIncomeTaxExpenseBenefit_iT_pn3n3_uUSD_mtCITEBzs8S_maITEBzphM_zIe7ws0rzCRa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 1pt; padding-left: 0.25in">Total</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,113</td><td style="padding-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">4,325</td><td style="padding-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">7,654</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract_iB_zZVMDZjBXrS" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Deferred tax provision:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_40C_eus-gaap--DeferredFederalIncomeTaxExpenseBenefit_pn3n3_uUSD_maDITEBzWHd_z78RwZETO8U6" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Federal</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">123</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">94</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">712</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DeferredStateAndLocalIncomeTaxExpenseBenefit_pn3n3_uUSD_maDITEBzWHd_znX9bvvhMLFc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0.125in">State</td><td style="padding-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><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td 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 style="border-bottom: Black 1pt solid; text-align: right">376</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--DeferredIncomeTaxExpenseBenefit_iT_pn3n3_uUSD_mtDITEBzWHd_maITEBzphM_zQleqh9OK0L9" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 1pt; padding-left: 0.25in">Total</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">178</td><td style="padding-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">191</td><td style="padding-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">1,088</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--IncomeTaxExpenseBenefit_iT_pn3n3_uUSD_mtITEBzphM_zDPoYrTtJva" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total tax provision</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,291</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,516</td><td style="padding-bottom: 2.5pt; 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">8,742</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A3_zU4gtlaE11v3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p id="xdx_89F_eus-gaap--ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_zd1jIPAZYZf3" 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_8B4_zGDQgB67PtDa">The differences between the statutory federal income tax at a rate of 21% and the effective tax are summarized below:</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: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </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_499_20240101__20241231_zGTap0KD6RU8" 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_49D_20230101__20231231_zNfRG4CUWsE4" 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_49C_20220101__20221231_zBe7UV3wIjL5" 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> </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">Years Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </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">2024</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="text-align: center"> </td><td> </td> <td colspan="10" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <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_405_eus-gaap--IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_pn3n3_uUSD_maITEBzbKD_zRL1j4wrlrJi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 61%; text-align: left">Statutory federal income tax</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">3,141</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,113</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">7,272</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercentAbstract_iB_z8jLPpoIkol2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Increase (decrease) resulting from:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--IncomeTaxReconciliationStateAndLocalIncomeTaxes_i01_pn3n3_uUSD_maITEBzbKD_zUobics06MS1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">State taxes, net of federal tax benefit</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">853</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,244</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,195</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--IncomeTaxReconciliationTaxExemptIncome_i01N_pn3n3_di_msITEBzbKD_zsOvvWwTAJ52" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">Tax-exempt income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(340</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(340</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(360</td><td style="text-align: left">)</td></tr> <tr id="xdx_401_ecustom--IncomeTaxReconciliationBankOwnedLifeInsurance_i01N_pn3n3_di_uUSD_msITEBzbKD_zwZixAZL82fg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">Bank-owned life insurance (BOLI)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(401</td><td style="text-align: left">)</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">(362</td><td style="text-align: left">)</td></tr> <tr id="xdx_409_ecustom--IncomeTaxReconciliationBankOwnedLifeInsuranceDeathBenefit_i01N_pn3n3_di_msITEBzbKD_ztdZfYAGu8ng" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">BOLI death benefit</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3852">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(163</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: xdx2ixbrl3854">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_401_ecustom--IncomeTaxReconciliationOptionExerciseTaxBenefit_i01N_pn3n3_di_uUSD_msITEBzbKD_zYmweT3Jshwi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">Option exercise tax (benefit) shortfall</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3856">—</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: xdx2ixbrl3857">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(28</td><td style="text-align: left">)</td></tr> <tr id="xdx_400_eus-gaap--IncomeTaxReconciliationOtherAdjustments_i01_pn3n3_uUSD_maITEBzbKD_zXaDgeDHqsta" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Other, net</td><td style="padding-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">44</td><td style="padding-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></tr> <tr id="xdx_404_eus-gaap--IncomeTaxExpenseBenefit_i01T_pn3n3_uUSD_mtITEBzbKD_zchmncgGdyYc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Effective tax</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,291</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,516</td><td style="padding-bottom: 2.5pt; 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">8,742</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AF_zj4tPNY3Pb6a" 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">Cash paid for income taxes for the years ended December 31, 2024, 2023 and 2022 was $<span id="xdx_90C_eus-gaap--IncomeTaxesPaid_pn5n6_c20240101__20241231_zpPEc07PuGtb" title="Cash paid for income taxes">2.9</span> million, $<span id="xdx_90D_eus-gaap--IncomeTaxesPaid_pn5n6_c20230101__20231231_z3ARfFnF6ah9" title="Cash paid for income taxes">4.6</span> million and $<span id="xdx_90B_eus-gaap--IncomeTaxesPaid_pn5n6_c20220101__20221231_zKcbkQw8wGVd" title="Cash paid for income taxes">7.4</span> million, respectively.</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--ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_zzVn6QDJSnI4" 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_8B3_zFMK27Wxy9V6">The tax effects of each item that gives rise to deferred taxes 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"> </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_492_20241231_zQsKXvAhSX7k" 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_49B_20231231_zSDyaveggDee" 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"> </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">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; 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">2024</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"><b>2023</b></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxAssetsGrossAbstract_iB_pn3n3_uUSD_z0jpFHuzIoZk" style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0in">Deferred tax assets:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross_iI_pn3n3_uUSD_maDTAGz4Pn_zGHxE7J68ZM7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 74%; text-align: left; text-indent: 12.6pt; padding-left: 0in">Net unrealized loss 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">7,962</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">7,422</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_iI_pn3n3_uUSD_maDTAGz4Pn_zJCg26R5RXf1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">Allowance for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,702</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,865</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--DeferredTaxAssetsLeaseLiability_iI_pn3n3_uUSD_maDTAGz4Pn_zl0r6xZ7pPZ1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">Lease liability</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,157</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,381</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeBenefits_iI_pn3n3_uUSD_maDTAGz4Pn_z4qfnjs0KkUc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">Employee benefit and share-based compensation plans</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,154</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,272</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseOther_iI_pn3n3_uUSD_maDTAGz4Pn_zo7XV6d3l889" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">Accrued expenses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">599</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">450</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DeferredTaxAssetsDeferredIncome_iI_pn3n3_uUSD_maDTAGz4Pn_z0eQXIQPH569" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">Nonperforming interest</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">292</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">264</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--DeferredTaxAssetsFDICAssessment_iI_pn3n3_uUSD_maDTAGz4Pn_z6n7NTx25ohj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">FDIC assessment</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">103</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">95</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--DeferredTaxAssetInterestCarryforward_iI_pn3n3_uUSD_maDTAGz4Pn_zaXEPSAAQfl8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">Interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">90</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">73</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DeferredTaxAssetsGoodwillAndIntangibleAssets_iI_pn3n3_uUSD_maDTAGz4Pn_zS19ulngF3D2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">Purchased mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">66</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></tr> <tr id="xdx_407_eus-gaap--DeferredTaxAssetsOther_iI_pn3n3_uUSD_maDTAGz4Pn_zgi3Es7IwPH9" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: 12.6pt; padding-left: 0in">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">203</td><td style="padding-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">277</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DeferredTaxAssetsGross_iTI_pn3n3_uUSD_mtDTAGz4Pn_maDTANz72V_z5hX8t4PTrF7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.375in">Gross deferred tax assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">18,328</td><td style="padding-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">18,137</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--DeferredTaxLiabilitiesAbstract_iB_zvRSNFItpg1a" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Deferred tax 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></tr> <tr id="xdx_40A_ecustom--DeferredTaxLiabilitiesLeaseRightOfUseAsset_iNI_pn3n3_di_uUSD_maDITLzqhM_zamyx0nZ4LG8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 11.6pt; padding-left: 0in">Lease right-of-use asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,075</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,305</td><td style="text-align: left">)</td></tr> <tr id="xdx_40B_ecustom--DeferredTaxLiabilitiesPurchaseAccountingAdjustmentsNet_iNI_pn3n3_di_uUSD_maDITLzqhM_zV3E9PLHzUFe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 11.6pt; padding-left: 0in">Purchase accounting adjustments, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(774</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(867</td><td style="text-align: left">)</td></tr> <tr id="xdx_405_eus-gaap--DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts_iNI_pn3n3_di_uUSD_maDITLzqhM_zzAe1ZmoHF99" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">Deferred loan fees</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(914</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(804</td><td style="text-align: left">)</td></tr> <tr id="xdx_402_eus-gaap--DeferredTaxLiabilitiesPropertyPlantAndEquipment_iNI_pn3n3_di_uUSD_maDITLzqhM_zVFgrjDksfF8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 11.6pt; padding-left: 0in">Fixed asset depreciation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(533</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(494</td><td style="text-align: left">)</td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxLiabilitiesOther_iNI_pn3n3_di_uUSD_maDITLzqhM_zYbYNEdoxyOd" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: 12.6pt; padding-left: 0in">Other</td><td style="padding-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">(31</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40A_eus-gaap--DeferredIncomeTaxLiabilities_iNTI_pn3n3_di_uUSD_mtDITLzqhM_msDTANz72V_zTjROdEtJzf4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.375in">Gross deferred tax liabilities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(4,331</td><td style="padding-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">(4,501</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_40E_eus-gaap--DeferredTaxAssetsNet_iTI_pn3n3_uUSD_mtDTANz72V_zCJf1K4fjBo5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Net deferred tax asset</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">13,997</td><td style="padding-bottom: 2.5pt; 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">13,636</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"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_8AD_znY7BJsNf7Ke" style="margin-top: 0; margin-bottom: 0"> </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 federal income tax reserve for loan losses at the Bank’s base year is $<span id="xdx_901_eus-gaap--BadDebtReserveForTaxPurposesOfQualifiedLender_iI_pdn6_c20241231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--DomesticCountryMember_zoTw1auMlOD1" title="Income tax reserve for loan losses at Bank's base year">9.4</span> million. If any portion of the reserve is used for purposes other than to absorb loan losses, approximately <span id="xdx_909_ecustom--PercentageOfReserveUsedTaxableAsPenalty_pid_dp_uPure_c20240101__20241231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--DomesticCountryMember_zwnuNnlkwffh" title="Percentage of amount actually used net of reserve subject to taxation">150</span>% of the amount actually used, limited to the amount of the reserve, would be subject to taxation in the fiscal year in which used. As the Bank intends to use the reserve solely to absorb loan losses, a deferred tax liability of $<span id="xdx_902_eus-gaap--DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender_iI_pdn6_c20241231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--DomesticCountryMember_zMGbjSNYiyCb" title="Deferred tax liability not recognized">2.6</span> million has not been provided.</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 did not have any uncertain tax positions at December 31, 2024 or 2023 which required accrual or disclosure. We record interest and penalties as part of income tax expense. There were no interest or penalties recorded for the years ended December 31, 2024, 2023 and 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; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our income tax returns are subject to review and examination by federal and state tax authorities. We are currently open to audit under the applicable statutes of limitations by the Internal Revenue Service for the years ended December 31, 2021 through 2024. The years open to examination by state taxing authorities vary by jurisdiction; however, no years prior to 2021 are open.</span></p> <p id="xdx_89D_eus-gaap--ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_z3FFgex990p2" 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_8BE_zGE7G1OTCeQ6">Income taxes consist of the following:</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: 95%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </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_494_20240101__20241231_z5zvgmwJFYH9" 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_492_20230101__20231231_zQGAR0gB4GU5" 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_49E_20220101__20221231_zxhQEeQT3vyh" 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> </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">Years Ended December 31,</td><td style="padding-bottom: 1pt; 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">2024</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> </td><td> </td> <td colspan="10" style="text-align: center">(Dollars in thousands)</td><td> </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></tr> <tr id="xdx_403_eus-gaap--CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_iB_zv079Debsmk8" style="vertical-align: bottom"> <td style="text-align: left">Current tax provision:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--CurrentFederalTaxExpenseBenefit_pn3n3_uUSD_maCITEBzs8S_zoqfXqqaXK8e" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 61%; padding-left: 0.125in">Federal</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">2,089</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">2,990</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">5,251</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--CurrentStateAndLocalTaxExpenseBenefit_pn3n3_uUSD_maCITEBzs8S_z4S4f7Qw8r19" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in">State</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,024</td><td style="padding-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">1,335</td><td style="padding-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">2,403</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--CurrentIncomeTaxExpenseBenefit_iT_pn3n3_uUSD_mtCITEBzs8S_maITEBzphM_zIe7ws0rzCRa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 1pt; padding-left: 0.25in">Total</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,113</td><td style="padding-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">4,325</td><td style="padding-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">7,654</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract_iB_zZVMDZjBXrS" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Deferred tax provision:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_40C_eus-gaap--DeferredFederalIncomeTaxExpenseBenefit_pn3n3_uUSD_maDITEBzWHd_z78RwZETO8U6" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Federal</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">123</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">94</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">712</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DeferredStateAndLocalIncomeTaxExpenseBenefit_pn3n3_uUSD_maDITEBzWHd_znX9bvvhMLFc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0.125in">State</td><td style="padding-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><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td 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 style="border-bottom: Black 1pt solid; text-align: right">376</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--DeferredIncomeTaxExpenseBenefit_iT_pn3n3_uUSD_mtDITEBzWHd_maITEBzphM_zQleqh9OK0L9" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 1pt; padding-left: 0.25in">Total</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">178</td><td style="padding-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">191</td><td style="padding-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">1,088</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--IncomeTaxExpenseBenefit_iT_pn3n3_uUSD_mtITEBzphM_zDPoYrTtJva" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total tax provision</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,291</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,516</td><td style="padding-bottom: 2.5pt; 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">8,742</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 2089000 2990000 5251000 1024000 1335000 2403000 3113000 4325000 7654000 123000 94000 712000 55000 97000 376000 178000 191000 1088000 3291000 4516000 8742000 <p id="xdx_89F_eus-gaap--ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_zd1jIPAZYZf3" 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_8B4_zGDQgB67PtDa">The differences between the statutory federal income tax at a rate of 21% and the effective tax are summarized below:</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: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </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_499_20240101__20241231_zGTap0KD6RU8" 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_49D_20230101__20231231_zNfRG4CUWsE4" 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_49C_20220101__20221231_zBe7UV3wIjL5" 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> </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">Years Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </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">2024</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="text-align: center"> </td><td> </td> <td colspan="10" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <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_405_eus-gaap--IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_pn3n3_uUSD_maITEBzbKD_zRL1j4wrlrJi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 61%; text-align: left">Statutory federal income tax</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">3,141</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,113</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">7,272</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercentAbstract_iB_z8jLPpoIkol2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Increase (decrease) resulting from:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--IncomeTaxReconciliationStateAndLocalIncomeTaxes_i01_pn3n3_uUSD_maITEBzbKD_zUobics06MS1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">State taxes, net of federal tax benefit</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">853</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,244</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,195</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--IncomeTaxReconciliationTaxExemptIncome_i01N_pn3n3_di_msITEBzbKD_zsOvvWwTAJ52" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">Tax-exempt income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(340</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(340</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(360</td><td style="text-align: left">)</td></tr> <tr id="xdx_401_ecustom--IncomeTaxReconciliationBankOwnedLifeInsurance_i01N_pn3n3_di_uUSD_msITEBzbKD_zwZixAZL82fg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">Bank-owned life insurance (BOLI)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(401</td><td style="text-align: left">)</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">(362</td><td style="text-align: left">)</td></tr> <tr id="xdx_409_ecustom--IncomeTaxReconciliationBankOwnedLifeInsuranceDeathBenefit_i01N_pn3n3_di_msITEBzbKD_ztdZfYAGu8ng" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">BOLI death benefit</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3852">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(163</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: xdx2ixbrl3854">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_401_ecustom--IncomeTaxReconciliationOptionExerciseTaxBenefit_i01N_pn3n3_di_uUSD_msITEBzbKD_zYmweT3Jshwi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">Option exercise tax (benefit) shortfall</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3856">—</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: xdx2ixbrl3857">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(28</td><td style="text-align: left">)</td></tr> <tr id="xdx_400_eus-gaap--IncomeTaxReconciliationOtherAdjustments_i01_pn3n3_uUSD_maITEBzbKD_zXaDgeDHqsta" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Other, net</td><td style="padding-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">44</td><td style="padding-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></tr> <tr id="xdx_404_eus-gaap--IncomeTaxExpenseBenefit_i01T_pn3n3_uUSD_mtITEBzbKD_zchmncgGdyYc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Effective tax</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,291</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,516</td><td style="padding-bottom: 2.5pt; 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">8,742</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 3141000 4113000 7272000 853000 1244000 2195000 340000 340000 360000 401000 382000 362000 163000 28000 38000 44000 25000 3291000 4516000 8742000 2900000 4600000 7400000 <p id="xdx_894_eus-gaap--ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_zzVn6QDJSnI4" 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_8B3_zFMK27Wxy9V6">The tax effects of each item that gives rise to deferred taxes 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"> </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_492_20241231_zQsKXvAhSX7k" 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_49B_20231231_zSDyaveggDee" 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"> </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">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; 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">2024</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"><b>2023</b></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: -0.125in"> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxAssetsGrossAbstract_iB_pn3n3_uUSD_z0jpFHuzIoZk" style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0in">Deferred tax assets:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross_iI_pn3n3_uUSD_maDTAGz4Pn_zGHxE7J68ZM7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 74%; text-align: left; text-indent: 12.6pt; padding-left: 0in">Net unrealized loss 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">7,962</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">7,422</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_iI_pn3n3_uUSD_maDTAGz4Pn_zJCg26R5RXf1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">Allowance for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,702</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,865</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--DeferredTaxAssetsLeaseLiability_iI_pn3n3_uUSD_maDTAGz4Pn_zl0r6xZ7pPZ1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">Lease liability</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,157</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,381</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeBenefits_iI_pn3n3_uUSD_maDTAGz4Pn_z4qfnjs0KkUc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">Employee benefit and share-based compensation plans</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,154</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,272</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseOther_iI_pn3n3_uUSD_maDTAGz4Pn_zo7XV6d3l889" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">Accrued expenses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">599</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">450</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DeferredTaxAssetsDeferredIncome_iI_pn3n3_uUSD_maDTAGz4Pn_z0eQXIQPH569" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">Nonperforming interest</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">292</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">264</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--DeferredTaxAssetsFDICAssessment_iI_pn3n3_uUSD_maDTAGz4Pn_z6n7NTx25ohj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">FDIC assessment</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">103</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">95</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--DeferredTaxAssetInterestCarryforward_iI_pn3n3_uUSD_maDTAGz4Pn_zaXEPSAAQfl8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">Interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">90</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">73</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DeferredTaxAssetsGoodwillAndIntangibleAssets_iI_pn3n3_uUSD_maDTAGz4Pn_zS19ulngF3D2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">Purchased mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">66</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></tr> <tr id="xdx_407_eus-gaap--DeferredTaxAssetsOther_iI_pn3n3_uUSD_maDTAGz4Pn_zgi3Es7IwPH9" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: 12.6pt; padding-left: 0in">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">203</td><td style="padding-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">277</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DeferredTaxAssetsGross_iTI_pn3n3_uUSD_mtDTAGz4Pn_maDTANz72V_z5hX8t4PTrF7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.375in">Gross deferred tax assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">18,328</td><td style="padding-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">18,137</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--DeferredTaxLiabilitiesAbstract_iB_zvRSNFItpg1a" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Deferred tax 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></tr> <tr id="xdx_40A_ecustom--DeferredTaxLiabilitiesLeaseRightOfUseAsset_iNI_pn3n3_di_uUSD_maDITLzqhM_zamyx0nZ4LG8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 11.6pt; padding-left: 0in">Lease right-of-use asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,075</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,305</td><td style="text-align: left">)</td></tr> <tr id="xdx_40B_ecustom--DeferredTaxLiabilitiesPurchaseAccountingAdjustmentsNet_iNI_pn3n3_di_uUSD_maDITLzqhM_zV3E9PLHzUFe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 11.6pt; padding-left: 0in">Purchase accounting adjustments, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(774</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(867</td><td style="text-align: left">)</td></tr> <tr id="xdx_405_eus-gaap--DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts_iNI_pn3n3_di_uUSD_maDITLzqhM_zzAe1ZmoHF99" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.6pt; padding-left: 0in">Deferred loan fees</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(914</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(804</td><td style="text-align: left">)</td></tr> <tr id="xdx_402_eus-gaap--DeferredTaxLiabilitiesPropertyPlantAndEquipment_iNI_pn3n3_di_uUSD_maDITLzqhM_zVFgrjDksfF8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 11.6pt; padding-left: 0in">Fixed asset depreciation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(533</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(494</td><td style="text-align: left">)</td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxLiabilitiesOther_iNI_pn3n3_di_uUSD_maDITLzqhM_zYbYNEdoxyOd" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: 12.6pt; padding-left: 0in">Other</td><td style="padding-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">(31</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40A_eus-gaap--DeferredIncomeTaxLiabilities_iNTI_pn3n3_di_uUSD_mtDITLzqhM_msDTANz72V_zTjROdEtJzf4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.375in">Gross deferred tax liabilities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(4,331</td><td style="padding-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">(4,501</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_40E_eus-gaap--DeferredTaxAssetsNet_iTI_pn3n3_uUSD_mtDTANz72V_zCJf1K4fjBo5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Net deferred tax asset</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">13,997</td><td style="padding-bottom: 2.5pt; 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">13,636</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"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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> 7962000 7422000 5702000 5865000 2157000 2381000 1154000 1272000 599000 450000 292000 264000 103000 95000 90000 73000 66000 38000 203000 277000 18328000 18137000 2075000 2305000 774000 867000 914000 804000 533000 494000 35000 31000 4331000 4501000 13997000 13636000 9400000 1.50 2600000 <p id="xdx_801_eus-gaap--RelatedPartyTransactionsDisclosureTextBlock_zyAH4MNYZdBa" style="margin-top: 0; margin-bottom: 0"> </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> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>15.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_821_zWTf7PGiUwL2">TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS</span></b></span></td> </tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"> </span></p> <p id="xdx_890_eus-gaap--ScheduleOfRelatedPartyTransactionsTableTextBlock_zefE8i8iCdXb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: -0.9pt"><span style="font: 10pt Times New Roman, Times, Serif">We have had, and expect to have in the future, loans with our directors and executive officers including their affiliates. Such loans, in our opinion, do not include more than the normal risk of collectability or other unfavorable features. <span id="xdx_8B9_zEAkhBbCGAXj">Following is a summary of activity for such loans:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: -0.9pt"><span style="font: 10pt Times New Roman, Times, Serif"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 60%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </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_49B_20240101__20241231_ztsDctlGuzB9" 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_494_20230101__20231231_zCslJPo7sLC8" 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> </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">Years Ended December 31,</td><td style="padding-bottom: 1pt; 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">2024</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></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </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></tr> <tr id="xdx_401_eus-gaap--LoansAndLeasesReceivableRelatedParties_iS_zu7MTjonk5Ve" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 34%; text-align: left">Balance at beginning of year</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">561</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">545</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--LoansAndLeasesReceivableRelatedPartiesAdditions_znKkzMUl7EX8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Principal distributions</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">1</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--LoansAndLeasesReceivableRelatedPartiesProceeds_iN_di_zTfL1SDmnXCd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Repayments of principal</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(246</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(42</td><td style="text-align: left">)</td></tr> <tr id="xdx_40C_ecustom--LoansAndLeasesReceivableRelatedPartiesChangeInRelatedPartyStatus_iN_di_z8XYF2n9sASh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Change in related party status</td><td style="padding-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: xdx2ixbrl3956">—</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">57</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_402_eus-gaap--LoansAndLeasesReceivableRelatedParties_iE_zwZnWoIXDwT6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Balance at end of year </b></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">365</td><td style="padding-bottom: 2.5pt; 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">561</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A2_zUlS1Dq4UCaj" style="margin-top: 0; margin-bottom: 0"></p> <p id="xdx_890_eus-gaap--ScheduleOfRelatedPartyTransactionsTableTextBlock_zefE8i8iCdXb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: -0.9pt"><span style="font: 10pt Times New Roman, Times, Serif">We have had, and expect to have in the future, loans with our directors and executive officers including their affiliates. Such loans, in our opinion, do not include more than the normal risk of collectability or other unfavorable features. <span id="xdx_8B9_zEAkhBbCGAXj">Following is a summary of activity for such loans:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: -0.9pt"><span style="font: 10pt Times New Roman, Times, Serif"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 60%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </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_49B_20240101__20241231_ztsDctlGuzB9" 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_494_20230101__20231231_zCslJPo7sLC8" 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> </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">Years Ended December 31,</td><td style="padding-bottom: 1pt; 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">2024</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></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </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></tr> <tr id="xdx_401_eus-gaap--LoansAndLeasesReceivableRelatedParties_iS_zu7MTjonk5Ve" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 34%; text-align: left">Balance at beginning of year</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">561</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">545</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--LoansAndLeasesReceivableRelatedPartiesAdditions_znKkzMUl7EX8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Principal distributions</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">1</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--LoansAndLeasesReceivableRelatedPartiesProceeds_iN_di_zTfL1SDmnXCd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Repayments of principal</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(246</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(42</td><td style="text-align: left">)</td></tr> <tr id="xdx_40C_ecustom--LoansAndLeasesReceivableRelatedPartiesChangeInRelatedPartyStatus_iN_di_z8XYF2n9sASh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Change in related party status</td><td style="padding-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: xdx2ixbrl3956">—</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">57</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_402_eus-gaap--LoansAndLeasesReceivableRelatedParties_iE_zwZnWoIXDwT6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Balance at end of year </b></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">365</td><td style="padding-bottom: 2.5pt; 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">561</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 561000 545000 50000 1000 246000 42000 -57000 365000 561000 <p id="xdx_804_eus-gaap--CommitmentsAndContingenciesDisclosureTextBlock_zVmpMUOVG7wb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 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: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>16.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_823_zlNWH1sbXZge">COMMITMENTS AND CONTINGENCIES</span></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"><b>Loan Commitments.</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 the normal course of business, various commitments and contingent liabilities are outstanding, such as standby letters of credit and commitments to extend credit with off-balance-sheet risk that are not reflected in the consolidated financial statements. Financial instruments with off-balance-sheet risk involve elements of credit, interest rate, liquidity and market 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 id="xdx_89B_eus-gaap--OtherCommitmentsTableTextBlock_zqT26iCeefng" style="font: 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 do not anticipate any significant losses as a result of these transactions. <span id="xdx_8BA_zxFwQ9zEIgmf">The following summarizes these financial instruments and other commitments and contingent liabilities at their contract amounts:</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> </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">December 31,</td><td style="padding-bottom: 1pt; 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">2024</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></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">Commitments to extend credit:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 74%; text-align: left; padding-left: 0.25in">Unused lines of credit</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--UnusedCommitmentsToExtendCredit_iI_c20241231__us-gaap--OtherCommitmentsAxis__us-gaap--UnusedLinesOfCreditMember_zQQWpMdnrxE5" style="width: 10%; text-align: right" title="Commitments to extend credit">343,078</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--UnusedCommitmentsToExtendCredit_iI_c20231231__us-gaap--OtherCommitmentsAxis__us-gaap--UnusedLinesOfCreditMember_zJwygoPc6Smj" style="width: 10%; text-align: right" title="Commitments to extend credit">352,462</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.25in">Loan commitments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--UnusedCommitmentsToExtendCredit_iI_c20241231__us-gaap--OtherCommitmentsAxis__custom--LoanCommitmentsMember_zWRxxNrwp38l" style="text-align: right" title="Commitments to extend credit">56,183</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--UnusedCommitmentsToExtendCredit_iI_c20231231__us-gaap--OtherCommitmentsAxis__custom--LoanCommitmentsMember_zsIARRW9avLa" style="text-align: right" title="Commitments to extend credit">37,814</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-left: 0.25in">Existing construction loan agreements</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--UnusedCommitmentsToExtendCredit_iI_c20241231__us-gaap--OtherCommitmentsAxis__custom--ExistingConstructionLoanAgreementsMember_zFcXkT7B9qO3" style="text-align: right" title="Commitments to extend credit">47,398</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--UnusedCommitmentsToExtendCredit_iI_c20231231__us-gaap--OtherCommitmentsAxis__custom--ExistingConstructionLoanAgreementsMember_zTKeqsAnAPVg" style="text-align: right" title="Commitments to extend credit">31,829</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.25in">Standby letters of credit</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--UnusedCommitmentsToExtendCredit_iI_c20241231__us-gaap--OtherCommitmentsAxis__us-gaap--StandbyLettersOfCreditMember_zxzG1qVRWdSc" style="text-align: right" title="Commitments to extend credit">18,773</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--UnusedCommitmentsToExtendCredit_iI_c20231231__us-gaap--OtherCommitmentsAxis__us-gaap--StandbyLettersOfCreditMember_zGC9Fw9S5RL7" style="text-align: right" title="Commitments to extend credit">22,393</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AC_z1JCPF2O2Clg" 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">We use the same credit policies in making commitments and conditional obligations as for on balance sheet instruments.</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">Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some commitments expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. We evaluate each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by us upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment, and income-producing commercial properties.</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">Standby letters of credit are written conditional commitments that guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. At December 31, 2024 and 2023, outstanding standby letter of credit commitments totaled $<span id="xdx_903_eus-gaap--UnusedCommitmentsToExtendCredit_iI_pn3n3_dxL_c20241231__us-gaap--OtherCommitmentsAxis__us-gaap--StandbyLettersOfCreditMember_zabAv2vMQ3zl" title="Commitments to extend credit::XDX::18773"><span style="-sec-ix-hidden: xdx2ixbrl3982">18.8</span></span> million and $<span id="xdx_900_eus-gaap--UnusedCommitmentsToExtendCredit_iI_pn3n3_dxL_c20231231__us-gaap--OtherCommitmentsAxis__us-gaap--StandbyLettersOfCreditMember_z3cP6w0mIuL3" title="Commitments to extend credit::XDX::22393"><span style="-sec-ix-hidden: xdx2ixbrl3984">22.4</span></span> million, respectively, with standby letters of credit issued by the FHLB on our behalf totaling $<span id="xdx_902_eus-gaap--UnusedCommitmentsToExtendCredit_iI_pn5n6_c20241231__us-gaap--OtherCommitmentsAxis__custom--FederalHomeLoanBankStandbyLettersOfCreditMember_zjVhul87hrs5" title="Commitments to extend credit">11.8</span> million and $<span id="xdx_90D_eus-gaap--UnusedCommitmentsToExtendCredit_iI_pn5n6_c20231231__us-gaap--OtherCommitmentsAxis__custom--FederalHomeLoanBankStandbyLettersOfCreditMember_zecK0El8CJgj" title="Commitments to extend credit">15.3</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">At December 31, 2024, outstanding commitments to extend credit totaled $<span id="xdx_907_eus-gaap--UnusedCommitmentsToExtendCredit_iI_pn5n6_c20241231_zGozSFj1JrQ2" title="Commitments to extend credit">465.4</span> million, with $<span id="xdx_90A_eus-gaap--LoansAndLeasesReceivableCommitmentsFixedRates_pn5n6_c20240101__20241231_zjx2CSfWLvE3" title="Fixed rate commitments">33.9</span> million in fixed rate commitments with interest rates ranging from <span id="xdx_909_ecustom--CommitmentsToExtendCreditFixedInterestRate_pid_dp_uPure_c20240101__20241231__srt--RangeAxis__srt--MinimumMember_zcsZWncyaON6" title="Fixed rate commitments - interest rates">3.25</span>% to <span id="xdx_900_ecustom--CommitmentsToExtendCreditFixedInterestRate_pid_dp_uPure_c20240101__20241231__srt--RangeAxis__srt--MaximumMember_zJmO2HjHHJE3" title="Fixed rate commitments - interest rates">18.00</span>% and $<span id="xdx_904_eus-gaap--LoansAndLeasesReceivableCommitmentsVariableRates_pn5n6_c20240101__20241231_zaE4Rcl4vJc6" title="Variable rate commitments">431.5</span> million in variable rate commitments. At December 31, 2023, outstanding commitments to extend credit totaled $<span id="xdx_90B_eus-gaap--UnusedCommitmentsToExtendCredit_iI_pn5n6_c20231231_zqID3QjylYi4" title="Commitments to extend credit">444.5</span> million, with $<span id="xdx_90C_eus-gaap--LoansAndLeasesReceivableCommitmentsFixedRates_pn5n6_c20230101__20231231_zHiUsYLSDaBc" title="Fixed rate commitments">52.8</span> million in fixed rate commitments with interest rates ranging from <span id="xdx_909_ecustom--CommitmentsToExtendCreditFixedInterestRate_pid_dp_uPure_c20230101__20231231__srt--RangeAxis__srt--MinimumMember_zbLHIuE9YC65" title="Fixed rate commitments - interest rates">1.99</span>% to <span id="xdx_906_ecustom--CommitmentsToExtendCreditFixedInterestRate_pid_dp_uPure_c20230101__20231231__srt--RangeAxis__srt--MaximumMember_zgjSs5LHBSzh" title="Fixed rate commitments - interest rates">18.00</span>% and $<span id="xdx_909_eus-gaap--LoansAndLeasesReceivableCommitmentsVariableRates_pn5n6_c20230101__20231231_zQLcTAqtpzdd" title="Variable rate commitments">391.7</span> million in variable rate commitments.</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: 10pt Times New Roman, Times, Serif"></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 also have risk participation agreements (“RPAs”) with another financial institution. The RPAs are a guarantee to share credit risk associated with an interest rate swap on participation loans in the event of counterparty default. As such, we accept a portion of the credit risk in order to participate in the loans and we receive a one-time fee. The interest rate swap is collateralized (generally by real estate or business assets) by us and the third party, which limits the credit risk associated with the RPAs. Per the terms of the RPAs, we must pledge collateral equal to our exposure for the interest rate swap. We monitor overall collateral as part of our off-balance sheet liability analysis, and at December 31, 2024, believe sufficient collateral is available to cover potential swap 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">In the ordinary course of business, we are party to various legal proceedings, none of which, in our opinion, will have a material effect on our consolidated financial position or results of operations.</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>Vendor Contract.</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 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 December 31, 2024 were estimated to be $<span id="xdx_90F_eus-gaap--OtherCommitment_iI_pn5n6_c20241231_z1UvNax2Idol" title="Vendor contract payable">7.1</span> million, with $<span id="xdx_903_eus-gaap--OtherCommitmentDueInNextTwelveMonths_iI_pn5n6_c20241231_zWYsyV8X3Unj" title="Vendor contract payable within one year">6.1</span> million expected to be paid within one year and the remaining $<span id="xdx_90B_ecustom--OtherCommitmentDueInSecondThroughThirdYear_iI_pn5n6_c20241231_zYaqkVrJcV62" title="Vendor contract payable within the next three years">1</span>.0 million to be paid within the next three years.</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>Investment Commitments.</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 Bank is a limited partner in a Small Business Investment Company (“SBIC”) and committed to contribute capital of $<span id="xdx_903_ecustom--PartnersCommittedCapitalContrbution_iI_pdn6_c20241231__dei--LegalEntityAxis__custom--SmallBusinessInvestmentCompanyMember_zKkAvG637urg" title="Committed capital contrbution to partnership">7.5</span> million to the partnership. At December 31, 2024, the SBIC currently has a book value of $<span id="xdx_905_eus-gaap--InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_iI_pn5n6_c20241231__dei--LegalEntityAxis__custom--SmallBusinessInvestmentCompanyMember_z8l0Id2jSHT6" title="Investment in partnership">3.7</span> million and is included in other assets. The unfunded commitment to the partnership was $<span id="xdx_908_ecustom--UnfundedCommitment_iI_pn5n6_c20241231__dei--LegalEntityAxis__custom--SmallBusinessInvestmentCompanyMember_z6I8n3T3ERii" title="Unfunded commitment to partnership">3.8</span> million at December 31, 2024.</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>Employment and change of control agreements.</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 have entered into employment and change of control agreements with certain senior officers. The initial term of the employment agreements is for three years subject to separate one-year extensions as approved by the Board of Directors at the end of each applicable fiscal year. Each employment agreement provides for minimum annual salaries, discretionary cash bonuses and other fringe benefits as well as severance benefits upon certain terminations of employment that are not for cause. The change of control agreements expire one year following a notice of non-extension and only provide for severance benefits upon certain terminations of employment that are not for cause and that are related to a change of control of the Company or the Bank.</span></p> <p id="xdx_89B_eus-gaap--OtherCommitmentsTableTextBlock_zqT26iCeefng" style="font: 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 do not anticipate any significant losses as a result of these transactions. <span id="xdx_8BA_zxFwQ9zEIgmf">The following summarizes these financial instruments and other commitments and contingent liabilities at their contract amounts:</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> </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">December 31,</td><td style="padding-bottom: 1pt; 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">2024</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></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">Commitments to extend credit:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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: 74%; text-align: left; padding-left: 0.25in">Unused lines of credit</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--UnusedCommitmentsToExtendCredit_iI_c20241231__us-gaap--OtherCommitmentsAxis__us-gaap--UnusedLinesOfCreditMember_zQQWpMdnrxE5" style="width: 10%; text-align: right" title="Commitments to extend credit">343,078</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--UnusedCommitmentsToExtendCredit_iI_c20231231__us-gaap--OtherCommitmentsAxis__us-gaap--UnusedLinesOfCreditMember_zJwygoPc6Smj" style="width: 10%; text-align: right" title="Commitments to extend credit">352,462</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.25in">Loan commitments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--UnusedCommitmentsToExtendCredit_iI_c20241231__us-gaap--OtherCommitmentsAxis__custom--LoanCommitmentsMember_zWRxxNrwp38l" style="text-align: right" title="Commitments to extend credit">56,183</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--UnusedCommitmentsToExtendCredit_iI_c20231231__us-gaap--OtherCommitmentsAxis__custom--LoanCommitmentsMember_zsIARRW9avLa" style="text-align: right" title="Commitments to extend credit">37,814</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-left: 0.25in">Existing construction loan agreements</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--UnusedCommitmentsToExtendCredit_iI_c20241231__us-gaap--OtherCommitmentsAxis__custom--ExistingConstructionLoanAgreementsMember_zFcXkT7B9qO3" style="text-align: right" title="Commitments to extend credit">47,398</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--UnusedCommitmentsToExtendCredit_iI_c20231231__us-gaap--OtherCommitmentsAxis__custom--ExistingConstructionLoanAgreementsMember_zTKeqsAnAPVg" style="text-align: right" title="Commitments to extend credit">31,829</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.25in">Standby letters of credit</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--UnusedCommitmentsToExtendCredit_iI_c20241231__us-gaap--OtherCommitmentsAxis__us-gaap--StandbyLettersOfCreditMember_zxzG1qVRWdSc" style="text-align: right" title="Commitments to extend credit">18,773</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--UnusedCommitmentsToExtendCredit_iI_c20231231__us-gaap--OtherCommitmentsAxis__us-gaap--StandbyLettersOfCreditMember_zGC9Fw9S5RL7" style="text-align: right" title="Commitments to extend credit">22,393</td><td style="text-align: left"> </td></tr> </table> 343078000 352462000 56183000 37814000 47398000 31829000 18773000 22393000 11800000 15300000 465400000 33900000 0.0325 0.1800 431500000 444500000 52800000 0.0199 0.1800 391700000 7100000 6100000 1000000 7500000 3700000 3800000 <p id="xdx_803_eus-gaap--FairValueDisclosuresTextBlock_zxHYhvJWe7X5" style="font: 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-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>17.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_829_z48YGDI8TMx8">FAIR VALUE OF ASSETS AND LIABLITIES</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"> </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>Determination of Fair Value.</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 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; text-indent: -0.9pt"><span style="font: 10pt Times New Roman, Times, Serif"></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"><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>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"> </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_89B_eus-gaap--ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_zE2QhGsL7RHc" style="font: 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_8B4_zsfxZMUhmYj1">Assets and liabilities measured at fair value on a recurring basis are summarized below:</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: 96%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </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_494_20241231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_ztvs7ilFGeUi" 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_491_20241231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zytOOgdaNKda" 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_49E_20241231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zJ25kHvGH4ck" 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_492_20241231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember_zHSZkFrDkIj" 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> </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, 2024</td><td style="padding-bottom: 1pt; 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">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="14"> </td><td> </td></tr> <tr id="xdx_403_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_uUSD_maAFVDzGM3_zqx74UwA9Tv6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; padding-left: 0in">Securities available-for-sale</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: xdx2ixbrl4028">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">160,704</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4030">—</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">160,704</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--EquitySecuritiesFvNi_iI_pn3n3_uUSD_maAFVDzGM3_zkU4aHsnhd91" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">397</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: xdx2ixbrl4034">—</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: xdx2ixbrl4035">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">397</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DerivativeAssets_iI_pn3n3_uUSD_maAFVDzGM3_ziZjH3mpTuTd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl4038">—</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">5,883</td><td style="padding-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: xdx2ixbrl4040">—</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">5,883</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AssetsFairValueDisclosure_iTI_pn3n3_uUSD_mtAFVDzGM3_z4XdIhu1kEcc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: 20pt; padding-left: 5.4pt">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">397</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">166,587</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4045">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">166,984</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 20pt; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-left: 0in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DerivativeLiabilities_iI_pn3n3_uUSD_z0SbjMwRmwMf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Interest rate swaps</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4048">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,883</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4050">—</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">5,883</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </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_498_20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zIx9CKxPImEa" 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_499_20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zHdUecUTszG1" 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_49F_20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zmCnvy685elb" 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_49D_20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember_zFECdri9Dgj2" 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> </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, 2023</td><td style="padding-bottom: 1pt; 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">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="14"> </td><td> </td></tr> <tr id="xdx_400_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_uUSD_zWXFHpWul8he" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; padding-left: 0in">Securities available-for-sale</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: xdx2ixbrl4053">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">137,115</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4055">—</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">137,115</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--EquitySecuritiesFvNi_iI_pn3n3_uUSD_zffl2Nk3ZcI4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</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: xdx2ixbrl4059">—</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: xdx2ixbrl4060">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--DerivativeAssets_iI_pn3n3_uUSD_z31tMGVMLfN8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl4063">—</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">5,890</td><td style="padding-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: xdx2ixbrl4065">—</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">5,890</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--AssetsFairValueDisclosure_iTI_pn3n3_uUSD_zPLnCxOQH59l" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: 20pt; padding-left: 5.4pt">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">196</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">143,005</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4070">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">143,201</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 20pt; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-left: 0in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DerivativeLiabilities_iI_pn3n3_uUSD_z3c8ActRfpAi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Interest rate swaps</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4073">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,239</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4075">—</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">5,239</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_8A6_zpx1JD5Ceshc" style="margin-top: 0; margin-bottom: 0"> </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 during the years ended December 31, 2024 and 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"><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 id="xdx_894_eus-gaap--FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_z5GUk0CHVrY2" style="font: 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 id="xdx_8B3_zKATz8yBfbah">The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2024 and 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: 96%; 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">Year 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, 2024</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">December 31, 2024</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="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Level 2</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">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">(Dollars in thousands)</td><td> </td><td> </td> <td colspan="2" style="white-space: nowrap; text-align: center">(Dollars 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="white-space: nowrap; text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; 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_988_ecustom--CollateralDependentLoans_iI_pn3n3_c20241231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zBixDla61LFl" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Collateral dependent loans">325</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_980_eus-gaap--FairValueOptionChangesInFairValueGainLoss1_iN_pn3n3_di_c20240101__20241231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--IndividuallyEvaluatedLoansMember_zbDgbN6BICye" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Total losses">182</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; 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">Year 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, 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">December 31, 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="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Level 2</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">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">(Dollars in thousands)</td><td> </td><td> </td> <td colspan="2" style="white-space: nowrap; text-align: center">(Dollars 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="white-space: nowrap; text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; 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_984_ecustom--CollateralDependentLoans_iI_pn3n3_c20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zRcjZ9qykqJ6" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Collateral dependent loans">1,100</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_98E_eus-gaap--FairValueOptionChangesInFairValueGainLoss1_iN_pn3n3_di_c20230101__20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--IndividuallyEvaluatedLoansMember_zJojZ2VNjPIi" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Total losses">2,178</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A4_ziGCWZdYUhMh" 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">The amount of impaired loans represents the carrying value, net of the related write-down or valuation allowance of collateral dependent loans for which adjustments are based on the estimated fair value of the underlying collateral. The fair value of collateral dependent loans with specific allocations of the allowance for loan 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; text-align: justify"><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_893_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_zU2qtGj3raVa" style="font: 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_z7PAcVkV6ozh">The estimated fair values of our financial instruments 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; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_49A_20241231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_zrQ2ywMytMxg" style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_492_20241231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zJKXJRq5wTjk" style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_493_20241231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zVtBosN5oeDl" style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_498_20241231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zLnM7qkYEFL9" style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_492_20241231_z6ylQ4L1LH61" style="border-bottom: Black 1pt solid; text-align: center"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="18" 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>December 31, 2024 </b></span></p></td><td style="padding-bottom: 1pt"> </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">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> </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> </td><td> </td> <td colspan="18" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_40A_eus-gaap--AssetsAbstract_iB_zVEsXpqyw9Hf" style="vertical-align: bottom"> <td style="font-weight: bold">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_404_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_i01I_pn3n3_uUSD_zSZibpU4Nsgc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 45%; text-align: left; padding-left: 8.85pt">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">66,450</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">66,450</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4099">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4100">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">66,450</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--HeldToMaturitySecuritiesFairValue_i01I_pn3n3_z5FVNSQXOsIj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Securities held-to-maturity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">205,036</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,727</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">160,879</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: xdx2ixbrl4106">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">165,606</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_pn3n3_uUSD_z87Xc6UWTiVj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.85pt">Securities available-for-sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">160,704</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: xdx2ixbrl4110">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">160,704</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: xdx2ixbrl4112">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">160,704</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--EquitySecuritiesFvNi_i01I_pn3n3_uUSD_zUeTjOgz6QX8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">397</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">397</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: xdx2ixbrl4117">—</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: xdx2ixbrl4118">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">397</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--RestrictedInvestmentsAtFairValue_i01I_pn3n3_uUSD_zOuQseokbRD5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.1in; padding-left: 15.95pt">FHLB and other restricted stock</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,818</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: xdx2ixbrl4122">—</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: xdx2ixbrl4123">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,818</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,818</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--LoansReceivableFairValueDisclosure_i01I_pn3n3_uUSD_zqcTtr9pAXtf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.1pt; padding-left: 8.75pt">Loans - net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,050,660</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: xdx2ixbrl4128">—</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: xdx2ixbrl4129">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,894,621</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,894,621</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_ecustom--AccruedInvestmentIncomeReceivableFairValueDisclosure_i01I_pn3n3_uUSD_zqXxJJXKroI7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.1pt; padding-left: 8.75pt">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,468</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: xdx2ixbrl4134">—</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: xdx2ixbrl4135">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,468</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,468</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--FairValueOfMortgageServicingRights_i01I_pn3n3_uUSD_zuJbvxcMBPTb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">436</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: xdx2ixbrl4140">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">826</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: xdx2ixbrl4142">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">826</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DerivativeAssets_i01I_pn3n3_uUSD_zYLLdT9l0PCj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt"> Derivative asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,883</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: xdx2ixbrl4146">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,883</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: xdx2ixbrl4148">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,883</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_eus-gaap--LiabilitiesAbstract_iB_zLL9ZL1MKaAj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0in">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_40A_eus-gaap--DepositsFairValueDisclosure_i01I_pn3n3_uUSD_zALCDIS99SRf" style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; padding-left: 5.4pt">Deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,262,647</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: xdx2ixbrl4158">—</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: xdx2ixbrl4159">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,261,666</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,261,666</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--ShorttermDebtFairValue_i01I_pn3n3_uUSD_z5J5CUknHg98" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Short-term borrowings</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,390</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: xdx2ixbrl4164">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,390</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: xdx2ixbrl4166">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,390</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--LongTermDebtFairValue_i01I_pn3n3_uUSD_zFeNoz7MgZXf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Long-term debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">98,000</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: xdx2ixbrl4170">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">98,835</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: xdx2ixbrl4172">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">98,835</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--SubordinatedDebtFairValue_i01I_pn3n3_uUSD_zNXQAuMYGrAa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Subordinated debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,751</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: xdx2ixbrl4176">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15,876</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: xdx2ixbrl4178">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15,876</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--InterestPayableFairValueDisclosure_i01I_pn3n3_uUSD_zE9n1cM4w6Rh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">903</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: xdx2ixbrl4182">—</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: xdx2ixbrl4183">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">903</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">903</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--DerivativeLiabilities_i01I_pn3n3_uUSD_zeI0O5Mt2Wb1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Derivative liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,883</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: xdx2ixbrl4188">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,883</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: xdx2ixbrl4190">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,883</td><td style="text-align: left"> </td></tr> </table> <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> </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_496_20231231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_z7hmiAzq0vk5" 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_499_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zfSgUU8pHpj2" 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_49E_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zZPkR1XYzx63" 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_497_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zjTi8k5Ev9a1" 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_49C_20231231_zRDHWvdEbVAk" 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> </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, 2023</td><td style="padding-bottom: 1pt; 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">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> </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> </td><td> </td> <td colspan="18" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_403_eus-gaap--AssetsFairValueDisclosureAbstract_iB_zkO1EobKZaBi" style="vertical-align: bottom"> <td style="font-weight: bold">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_404_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_i01I_pn3n3_uUSD_zw9m9yDs5zg1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 45%; text-align: left; padding-left: 8.85pt">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">28,840</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">28,840</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4202">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4203">—</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">28,840</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--HeldToMaturitySecuritiesFairValue_i01I_pn3n3_zEPQCXzIpKlf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Securities held-to-maturity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">223,370</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">178,242</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: xdx2ixbrl4209">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">187,692</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_pn3n3_uUSD_zcWCzOF5ZTp7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.85pt">Securities available-for-sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">137,115</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: xdx2ixbrl4213">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">137,115</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: xdx2ixbrl4215">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">137,115</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--EquitySecuritiesFvNi_i01I_pn3n3_uUSD_zEyp1am7euvk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</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: xdx2ixbrl4220">—</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: xdx2ixbrl4221">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--RestrictedInvestmentsAtFairValue_i01I_pn3n3_uUSD_zonzHDHsBOOh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.1in; padding-left: 15.95pt">FHLB and other restricted stock</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,707</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: xdx2ixbrl4225">—</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: xdx2ixbrl4226">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,707</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,707</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--LoansReceivableFairValueDisclosure_i01I_pn3n3_uUSD_znaAb9rCirTc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.1pt; padding-left: 8.75pt">Loans - net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,007,050</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: xdx2ixbrl4231">—</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: xdx2ixbrl4232">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,841,913</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,841,913</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_ecustom--AccruedInvestmentIncomeReceivableFairValueDisclosure_i01I_pn3n3_uUSD_zrpTbVUcqtc8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.1pt; padding-left: 8.75pt">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,528</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: xdx2ixbrl4237">—</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: xdx2ixbrl4238">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,528</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,528</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--FairValueOfMortgageServicingRights_i01I_pn3n3_uUSD_z97YMSgsui17" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">422</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: xdx2ixbrl4243">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">724</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: xdx2ixbrl4245">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">724</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DerivativeAssets_i01I_pn3n3_uUSD_zKwJPjMLuaTj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt"> Derivative asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,890</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: xdx2ixbrl4249">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,890</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: xdx2ixbrl4251">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,890</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_409_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_zKC3wV7F6Pjb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0in">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_40A_eus-gaap--DepositsFairValueDisclosure_i01I_pn3n3_uUSD_z3BnxFoVrsx7" style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; padding-left: 5.4pt">Deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,143,744</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: xdx2ixbrl4261">—</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: xdx2ixbrl4262">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,140,930</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,140,930</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--ShorttermDebtFairValue_i01I_pn3n3_uUSD_zkGR2lrzbtFa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Short-term borrowings</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,100</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: xdx2ixbrl4267">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,100</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: xdx2ixbrl4269">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,100</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--LongTermDebtFairValue_i01I_pn3n3_uUSD_z1n0WN2kiyW2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Long-term debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,646</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: xdx2ixbrl4273">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,460</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: xdx2ixbrl4275">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,460</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--SubordinatedDebtFairValue_i01I_pn3n3_uUSD_z9kDA2rPQdUe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Subordinated debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,712</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: xdx2ixbrl4279">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,938</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: xdx2ixbrl4281">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,938</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--InterestPayableFairValueDisclosure_i01I_pn3n3_uUSD_zM8hSPC6UKL4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,310</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: xdx2ixbrl4285">—</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: xdx2ixbrl4286">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,310</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,310</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--DerivativeLiabilities_i01I_pn3n3_uUSD_zMloCIihNZCi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Derivative liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,239</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: xdx2ixbrl4291">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,239</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: xdx2ixbrl4293">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,239</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; 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: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_8AA_zUlhUJiXQrk1" style="margin-top: 0; margin-bottom: 0"></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>Limitations</b>. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time our entire holdings of a particular financial instrument. Where quoted market prices are not available, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment. Changes in assumptions could significantly affect the estimates.</span></p> <p id="xdx_89B_eus-gaap--ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_zE2QhGsL7RHc" style="font: 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_8B4_zsfxZMUhmYj1">Assets and liabilities measured at fair value on a recurring basis are summarized below:</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: 96%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </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_494_20241231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_ztvs7ilFGeUi" 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_491_20241231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zytOOgdaNKda" 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_49E_20241231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zJ25kHvGH4ck" 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_492_20241231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember_zHSZkFrDkIj" 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> </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, 2024</td><td style="padding-bottom: 1pt; 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">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="14"> </td><td> </td></tr> <tr id="xdx_403_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_uUSD_maAFVDzGM3_zqx74UwA9Tv6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; padding-left: 0in">Securities available-for-sale</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: xdx2ixbrl4028">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">160,704</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4030">—</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">160,704</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--EquitySecuritiesFvNi_iI_pn3n3_uUSD_maAFVDzGM3_zkU4aHsnhd91" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">397</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: xdx2ixbrl4034">—</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: xdx2ixbrl4035">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">397</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DerivativeAssets_iI_pn3n3_uUSD_maAFVDzGM3_ziZjH3mpTuTd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl4038">—</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">5,883</td><td style="padding-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: xdx2ixbrl4040">—</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">5,883</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AssetsFairValueDisclosure_iTI_pn3n3_uUSD_mtAFVDzGM3_z4XdIhu1kEcc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: 20pt; padding-left: 5.4pt">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">397</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">166,587</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4045">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">166,984</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 20pt; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-left: 0in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DerivativeLiabilities_iI_pn3n3_uUSD_z0SbjMwRmwMf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Interest rate swaps</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4048">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,883</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4050">—</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">5,883</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </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_498_20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zIx9CKxPImEa" 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_499_20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zHdUecUTszG1" 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_49F_20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zmCnvy685elb" 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_49D_20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember_zFECdri9Dgj2" 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> </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, 2023</td><td style="padding-bottom: 1pt; 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">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="14"> </td><td> </td></tr> <tr id="xdx_400_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_uUSD_zWXFHpWul8he" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; padding-left: 0in">Securities available-for-sale</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: xdx2ixbrl4053">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">137,115</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4055">—</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">137,115</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--EquitySecuritiesFvNi_iI_pn3n3_uUSD_zffl2Nk3ZcI4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</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: xdx2ixbrl4059">—</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: xdx2ixbrl4060">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--DerivativeAssets_iI_pn3n3_uUSD_z31tMGVMLfN8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">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: xdx2ixbrl4063">—</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">5,890</td><td style="padding-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: xdx2ixbrl4065">—</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">5,890</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--AssetsFairValueDisclosure_iTI_pn3n3_uUSD_zPLnCxOQH59l" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: 20pt; padding-left: 5.4pt">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">196</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">143,005</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4070">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">143,201</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 20pt; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-left: 0in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DerivativeLiabilities_iI_pn3n3_uUSD_z3c8ActRfpAi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Interest rate swaps</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4073">—</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,239</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4075">—</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">5,239</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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> 160704000 160704000 397000 397000 5883000 5883000 397000 166587000 166984000 5883000 5883000 137115000 137115000 196000 196000 5890000 5890000 196000 143005000 143201000 5239000 5239000 <p id="xdx_894_eus-gaap--FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_z5GUk0CHVrY2" style="font: 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 id="xdx_8B3_zKATz8yBfbah">The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2024 and 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: 96%; 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">Year 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, 2024</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">December 31, 2024</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="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Level 2</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">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">(Dollars in thousands)</td><td> </td><td> </td> <td colspan="2" style="white-space: nowrap; text-align: center">(Dollars 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="white-space: nowrap; text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; 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_988_ecustom--CollateralDependentLoans_iI_pn3n3_c20241231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zBixDla61LFl" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Collateral dependent loans">325</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_980_eus-gaap--FairValueOptionChangesInFairValueGainLoss1_iN_pn3n3_di_c20240101__20241231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--IndividuallyEvaluatedLoansMember_zbDgbN6BICye" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Total losses">182</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; 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">Year 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, 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">December 31, 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="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">Level 2</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </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">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">(Dollars in thousands)</td><td> </td><td> </td> <td colspan="2" style="white-space: nowrap; text-align: center">(Dollars 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="white-space: nowrap; text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; 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_984_ecustom--CollateralDependentLoans_iI_pn3n3_c20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zRcjZ9qykqJ6" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Collateral dependent loans">1,100</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_98E_eus-gaap--FairValueOptionChangesInFairValueGainLoss1_iN_pn3n3_di_c20230101__20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--IndividuallyEvaluatedLoansMember_zJojZ2VNjPIi" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Total losses">2,178</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 325000 -182000 1100000 -2178000 <p id="xdx_893_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_zU2qtGj3raVa" style="font: 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_z7PAcVkV6ozh">The estimated fair values of our financial instruments 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; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_49A_20241231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_zrQ2ywMytMxg" style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_492_20241231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zJKXJRq5wTjk" style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_493_20241231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zVtBosN5oeDl" style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_498_20241231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zLnM7qkYEFL9" style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_492_20241231_z6ylQ4L1LH61" style="border-bottom: Black 1pt solid; text-align: center"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="18" 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>December 31, 2024 </b></span></p></td><td style="padding-bottom: 1pt"> </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">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> </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> </td><td> </td> <td colspan="18" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_40A_eus-gaap--AssetsAbstract_iB_zVEsXpqyw9Hf" style="vertical-align: bottom"> <td style="font-weight: bold">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_404_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_i01I_pn3n3_uUSD_zSZibpU4Nsgc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 45%; text-align: left; padding-left: 8.85pt">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">66,450</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">66,450</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4099">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4100">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">66,450</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--HeldToMaturitySecuritiesFairValue_i01I_pn3n3_z5FVNSQXOsIj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Securities held-to-maturity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">205,036</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,727</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">160,879</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: xdx2ixbrl4106">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">165,606</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_pn3n3_uUSD_z87Xc6UWTiVj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.85pt">Securities available-for-sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">160,704</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: xdx2ixbrl4110">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">160,704</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: xdx2ixbrl4112">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">160,704</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--EquitySecuritiesFvNi_i01I_pn3n3_uUSD_zUeTjOgz6QX8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">397</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">397</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: xdx2ixbrl4117">—</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: xdx2ixbrl4118">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">397</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--RestrictedInvestmentsAtFairValue_i01I_pn3n3_uUSD_zOuQseokbRD5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.1in; padding-left: 15.95pt">FHLB and other restricted stock</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,818</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: xdx2ixbrl4122">—</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: xdx2ixbrl4123">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,818</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,818</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--LoansReceivableFairValueDisclosure_i01I_pn3n3_uUSD_zqcTtr9pAXtf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.1pt; padding-left: 8.75pt">Loans - net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,050,660</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: xdx2ixbrl4128">—</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: xdx2ixbrl4129">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,894,621</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,894,621</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_ecustom--AccruedInvestmentIncomeReceivableFairValueDisclosure_i01I_pn3n3_uUSD_zqXxJJXKroI7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.1pt; padding-left: 8.75pt">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,468</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: xdx2ixbrl4134">—</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: xdx2ixbrl4135">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,468</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,468</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--FairValueOfMortgageServicingRights_i01I_pn3n3_uUSD_zuJbvxcMBPTb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">436</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: xdx2ixbrl4140">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">826</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: xdx2ixbrl4142">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">826</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DerivativeAssets_i01I_pn3n3_uUSD_zYLLdT9l0PCj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt"> Derivative asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,883</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: xdx2ixbrl4146">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,883</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: xdx2ixbrl4148">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,883</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_eus-gaap--LiabilitiesAbstract_iB_zLL9ZL1MKaAj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0in">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_40A_eus-gaap--DepositsFairValueDisclosure_i01I_pn3n3_uUSD_zALCDIS99SRf" style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; padding-left: 5.4pt">Deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,262,647</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: xdx2ixbrl4158">—</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: xdx2ixbrl4159">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,261,666</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,261,666</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--ShorttermDebtFairValue_i01I_pn3n3_uUSD_z5J5CUknHg98" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Short-term borrowings</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,390</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: xdx2ixbrl4164">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,390</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: xdx2ixbrl4166">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,390</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--LongTermDebtFairValue_i01I_pn3n3_uUSD_zFeNoz7MgZXf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Long-term debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">98,000</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: xdx2ixbrl4170">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">98,835</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: xdx2ixbrl4172">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">98,835</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--SubordinatedDebtFairValue_i01I_pn3n3_uUSD_zNXQAuMYGrAa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Subordinated debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,751</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: xdx2ixbrl4176">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15,876</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: xdx2ixbrl4178">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15,876</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--InterestPayableFairValueDisclosure_i01I_pn3n3_uUSD_zE9n1cM4w6Rh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">903</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: xdx2ixbrl4182">—</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: xdx2ixbrl4183">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">903</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">903</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--DerivativeLiabilities_i01I_pn3n3_uUSD_zeI0O5Mt2Wb1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Derivative liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,883</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: xdx2ixbrl4188">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,883</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: xdx2ixbrl4190">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,883</td><td style="text-align: left"> </td></tr> </table> <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> </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_496_20231231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_z7hmiAzq0vk5" 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_499_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zfSgUU8pHpj2" 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_49E_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zZPkR1XYzx63" 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_497_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zjTi8k5Ev9a1" 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_49C_20231231_zRDHWvdEbVAk" 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> </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, 2023</td><td style="padding-bottom: 1pt; 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">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> </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> </td><td> </td> <td colspan="18" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_403_eus-gaap--AssetsFairValueDisclosureAbstract_iB_zkO1EobKZaBi" style="vertical-align: bottom"> <td style="font-weight: bold">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_404_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_i01I_pn3n3_uUSD_zw9m9yDs5zg1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 45%; text-align: left; padding-left: 8.85pt">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">28,840</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">28,840</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4202">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4203">—</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">28,840</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--HeldToMaturitySecuritiesFairValue_i01I_pn3n3_zEPQCXzIpKlf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Securities held-to-maturity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">223,370</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">178,242</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: xdx2ixbrl4209">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">187,692</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_pn3n3_uUSD_zcWCzOF5ZTp7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.85pt">Securities available-for-sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">137,115</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: xdx2ixbrl4213">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">137,115</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: xdx2ixbrl4215">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">137,115</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--EquitySecuritiesFvNi_i01I_pn3n3_uUSD_zEyp1am7euvk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</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: xdx2ixbrl4220">—</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: xdx2ixbrl4221">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--RestrictedInvestmentsAtFairValue_i01I_pn3n3_uUSD_zonzHDHsBOOh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.1in; padding-left: 15.95pt">FHLB and other restricted stock</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,707</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: xdx2ixbrl4225">—</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: xdx2ixbrl4226">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,707</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,707</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--LoansReceivableFairValueDisclosure_i01I_pn3n3_uUSD_znaAb9rCirTc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.1pt; padding-left: 8.75pt">Loans - net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,007,050</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: xdx2ixbrl4231">—</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: xdx2ixbrl4232">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,841,913</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,841,913</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_ecustom--AccruedInvestmentIncomeReceivableFairValueDisclosure_i01I_pn3n3_uUSD_zrpTbVUcqtc8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.1pt; padding-left: 8.75pt">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,528</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: xdx2ixbrl4237">—</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: xdx2ixbrl4238">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,528</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,528</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--FairValueOfMortgageServicingRights_i01I_pn3n3_uUSD_z97YMSgsui17" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">422</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: xdx2ixbrl4243">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">724</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: xdx2ixbrl4245">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">724</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DerivativeAssets_i01I_pn3n3_uUSD_zKwJPjMLuaTj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt"> Derivative asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,890</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: xdx2ixbrl4249">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,890</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: xdx2ixbrl4251">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,890</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_409_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_zKC3wV7F6Pjb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0in">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_40A_eus-gaap--DepositsFairValueDisclosure_i01I_pn3n3_uUSD_z3BnxFoVrsx7" style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; padding-left: 5.4pt">Deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,143,744</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: xdx2ixbrl4261">—</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: xdx2ixbrl4262">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,140,930</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,140,930</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--ShorttermDebtFairValue_i01I_pn3n3_uUSD_zkGR2lrzbtFa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Short-term borrowings</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,100</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: xdx2ixbrl4267">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,100</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: xdx2ixbrl4269">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,100</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--LongTermDebtFairValue_i01I_pn3n3_uUSD_z1n0WN2kiyW2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Long-term debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,646</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: xdx2ixbrl4273">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,460</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: xdx2ixbrl4275">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,460</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--SubordinatedDebtFairValue_i01I_pn3n3_uUSD_z9kDA2rPQdUe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Subordinated debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,712</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: xdx2ixbrl4279">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,938</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: xdx2ixbrl4281">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,938</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--InterestPayableFairValueDisclosure_i01I_pn3n3_uUSD_zM8hSPC6UKL4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,310</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: xdx2ixbrl4285">—</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: xdx2ixbrl4286">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,310</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,310</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--DerivativeLiabilities_i01I_pn3n3_uUSD_zMloCIihNZCi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 5.4pt">Derivative liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,239</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: xdx2ixbrl4291">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,239</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: xdx2ixbrl4293">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,239</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; 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: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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> 66450000 66450000 66450000 205036000 4727000 160879000 165606000 160704000 160704000 160704000 397000 397000 397000 5818000 5818000 5818000 2050660000 1894621000 1894621000 8468000 8468000 8468000 436000 826000 826000 5883000 5883000 5883000 2262647000 2261666000 2261666000 5390000 5390000 5390000 98000000 98835000 98835000 19751000 15876000 15876000 903000 903000 903000 5883000 5883000 5883000 28840000 28840000 28840000 223370000 9450000 178242000 187692000 137115000 137115000 137115000 196000 196000 196000 3707000 3707000 3707000 2007050000 1841913000 1841913000 8528000 8528000 8528000 422000 724000 724000 5890000 5890000 5890000 2143744000 2140930000 2140930000 16100000 16100000 16100000 120646000 120460000 120460000 19712000 17938000 17938000 3310000 3310000 3310000 5239000 5239000 5239000 <p id="xdx_803_eus-gaap--SegmentReportingDisclosureTextBlock_zX5LPoDxgjN7" style="font: 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-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>18.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_827_zKVwMiH0B3nc">SEGMENT</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"> </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 operates as a <span id="xdx_909_eus-gaap--NumberOfReportableSegments_pip0_dxL_uNumber_c20240101__20241231_zNycgHnyKC7i" title="Number of reportable segments::XDX::1"><span style="-sec-ix-hidden: xdx2ixbrl4298">single</span></span> reportable segment under ASC 280, as the Chief Operating Decision Maker (“CODM”) reviews financial performance and allocates resources based on the consolidated results of the Company as a whole. The Company, through its bank subsidiary, provides banking services to individuals and companies primarily in Hampden County and Hampshire County in western Massachusetts and Hartford County and Tolland County in northern Connecticut. These services include commercial lending, residential lending and consumer lending, checking, savings, time deposits, cash management, and wealth management. The CODM primarily evaluates performance using net interest income and net income as reported in the consolidated statement of income. The Company’s primary measure of profitability is net interest and dividend income. Net interest and dividend income is the difference between the interest income earned on interest-earning assets and the interest paid on interest-bearing liabilities. Interest-earning assets consist primarily of commercial real estate loans, commercial and industrial loans, residential real estate loans and securities. Interest-bearing liabilities consist primarily of time deposits and money market accounts, demand deposits, savings accounts and borrowings from the FHLB. The consolidated results of operations also depend on the provision for credit losses, non-interest income, and non-interest expense. In addition, the CODM considers net income as a key measure of overall financial performance. The Company’s CODM consists of members of the Senior Management team, including the Chief Executive Officer, the Chief Financial Officer, the Chief Banking Officer and the Chief Lending Officer.</span></p> <p id="xdx_801_eus-gaap--CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_zT8lg5e1Yha9" 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-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>19.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_822_zHz6ZhjTgtmh">CONDENSED PARENT COMPANY FINANCIAL STATEMENTS</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"> </span></p> <p id="xdx_898_esrt--ScheduleOfCondensedBalanceSheetTableTextBlock_zHZDzKgzgobf" 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 id="xdx_8BA_znxewROpr6s5">The condensed balance sheets of the parent company are as follows:</span><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></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; margin-right: auto"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 10pt; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20241231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_z3k7uTMLYESa" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20231231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_z3Dlb0dHOHt4" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </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">December 31,</td><td style="padding-bottom: 1pt; 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">2024</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></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_40A_eus-gaap--AssetsAbstract_iB_z9GkFeM51kGh" style="vertical-align: bottom"> <td style="font-weight: bold">ASSETS:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_407_eus-gaap--CashEquivalentsAtCarryingValue_iI_pn3n3_maAzYOr_maAzLq5_zKt5CphDqiBl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 10pt; padding-left: 5.4pt; width: 74%">Cash equivalents</td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%">$</td><td style="text-align: right; width: 10%">422</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%">940</td><td style="text-align: left; width: 1%"> </td></tr> <tr id="xdx_404_eus-gaap--InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_iI_pn3n3_maAzYOr_maAzLq5_zyfvlOYscEm9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 10pt; padding-left: 5.4pt">Investment in subsidiaries</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">240,994</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">242,780</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_ecustom--EmployeeStockOwnershipPlanESOPLoanReceivable_iI_pn3n3_maAzYOr_maAzLq5_zEwPluCM7M3g" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 10pt; padding-left: 5.4pt">ESOP loan receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,417</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,050</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--OtherAssets_iI_pn3n3_maAzYOr_maAzLq5_zaQqStERKad5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 10pt; padding-left: 5.4pt">Other assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14,575</td><td style="padding-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">13,780</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--Assets_iI_pn3n3_maAzYOr_mtAzLq5_z8IYyHLTEGy5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: 10pt; padding-left: 5.4pt">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">258,408</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">260,550</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--LiabilitiesAbstract_iB_zYotSDVNiV74" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0in">LIABILITIES:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--EmployeeStockOwnershipPlanESOPDebtStructureLoanAmount_iI_pn3n3_maLASEzgN8_zamX4YsGbgvf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 10pt; padding-left: 5.4pt">ESOP loan payable</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,417</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,050</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--OtherLiabilities_iI_pn3n3_maLASEzgN8_zBS8zQQ44qR1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 10pt; padding-left: 5.4pt">Other liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">20,081</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">20,091</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--StockholdersEquity_iI_maLASEzgN8_z3oc5iecx2B8" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 1pt; padding-left: 0in">EQUITY</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">235,910</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">237,409</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LiabilitiesAndStockholdersEquity_iI_pn3n3_mtLASEzgN8_zXlgY7m6S3q1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: 10.05pt; padding-left: 5.4pt">TOTAL LIABILITIES AND EQUITY</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">258,408</td><td style="padding-bottom: 2.5pt; 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">260,550</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A8_zWU85tGjwr32" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p id="xdx_894_esrt--ScheduleOfCondensedIncomeStatementTableTextBlock_zkB1216Yjpl5" 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_8B3_zcAYBHtykSQ9">The condensed statements of net income for the parent company 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; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </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_495_20240101__20241231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zBlzdtVgcp3g" 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_491_20230101__20231231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zM163im6rC2k" 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 colspan="2" id="xdx_49A_20220101__20221231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zoKX0W5Wy1Xf" 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> </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">Years Ended December 31,</td><td style="padding-bottom: 1pt; 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">2024</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> </td><td> </td> <td colspan="10" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_402_eus-gaap--RevenuesAbstract_iB_z9BqhfBq04Fc" style="vertical-align: bottom"> <td style="font-weight: bold">INCOME:</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_404_ecustom--DividendsReceivedByParentCompanyFromBankSubsidiaries_i01_maRzKvo_znohGuh3Pipe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 67%; text-align: left; padding-left: 0in">Dividends from subsidiaries</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">14,209</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">12,119</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">8,152</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--InterestIncomeOther_i01_maRzKvo_zrnNCsKMo5Bf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">ESOP loan interest income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">244</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">296</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">349</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--NoninterestIncomeOtherOperatingIncome_i01_maRzKvo_zurV6nmQvbmg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Other income</td><td style="padding-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</td><td style="padding-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">36</td><td style="padding-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></tr> <tr id="xdx_402_eus-gaap--Revenues_i01T_mtRzKvo_maIBEIUzgD7_zjYtMQSmHtok" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9.2pt; padding-left: 5.4pt">Total income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14,464</td><td style="padding-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">12,451</td><td style="padding-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">8,503</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: 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: left"> </td><td style="text-align: right"> </td><td style="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--OperatingExpensesAbstract_iB_znD2jl7Ghfph" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0in">OPERATING EXPENSE:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--LaborAndRelatedExpense_i01_maOEzVC1_z7sGV3YAWWvj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Salaries and employee benefits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,408</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,761</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,011</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--InterestExpenseOther_i01_maOEzVC1_zOt8GTQH8Pq4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">ESOP loan interest expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">244</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">296</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">349</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--OtherGeneralExpense_i01_maOEzVC1_zqBHdQS1l7Zc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Other expenses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,285</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 style="border-bottom: Black 1pt solid; text-align: right">1,310</td><td style="padding-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">1,283</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--OperatingExpenses_i01T_mtOEzVC1_msIBEIUzgD7_zEtPUAxXcBD8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9.2pt; padding-left: 5.4pt">Total operating expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,937</td><td style="padding-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">3,367</td><td style="padding-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">3,643</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: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_409_ecustom--IncomeBeforeEquityInUndistributedIncomeOfSubsidiariesAndIncomeTaxes_iT_mtIBEIUzgD7_maILFCOzwK3_zHXYOck6iEhj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Income before equity in undistributed income of subsidiaries and income taxes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,527</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,084</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,860</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_ecustom--EquityInUndistributedNetIncomeOfSubsidiaries_maILFCOzwK3_ze0HUqP20EYc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 0; padding-left: 0">Equity in undistributed income of subsidiaries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(255</td><td style="padding-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">5,591</td><td style="padding-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">20,595</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_mtILFCOzwK3_zGa5peUUx0Gb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Net income before taxes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,272</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">14,675</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,455</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--IncomeTaxExpenseBenefit_zndRv7sl872k" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Income tax benefit</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(394</td><td style="padding-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">(393</td><td style="padding-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">(432</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_401_eus-gaap--NetIncomeLoss_iT_zykYgZIcesX6" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.2in">Net income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">11,666</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,068</td><td style="padding-bottom: 2.5pt; 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">25,887</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AE_zXKZo0ls3Jqa" style="margin-top: 0; margin-bottom: 0"> </p> <p id="xdx_894_esrt--ScheduleOfCondensedCashFlowStatementTableTextBlock_zVqwR97fzLB" 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_8B8_z7tDRQhV2QJ2">The condensed statements of cash flows of the parent company 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; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </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_49D_20240101__20241231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zPyHrmrcMty3" 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_499_20230101__20231231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_ziqKMDmYEiKa" 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_494_20220101__20221231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zCPpNJxUgyYa" 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> </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">Years Ended December 31,</td><td style="padding-bottom: 1pt; 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">2024</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> </td><td> </td> <td colspan="10" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_406_eus-gaap--NetCashProvidedByUsedInOperatingActivitiesAbstract_iB_zXTur6aHTmpa" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">OPERATING ACTIVITIES:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--NetIncomeLoss_i01_zF72lqzUyIhk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 67%; text-align: left; padding-left: 0.125in">Net income</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">11,666</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">15,068</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">25,887</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--EquityInUndistributedNetIncomeOfSubsidiaries_i01N_di_zb3WorAH7rHf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">Equity in undistributed income of subsidiaries</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">255</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(5,591</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(20,595</td><td style="text-align: left">)</td></tr> <tr id="xdx_40D_ecustom--NetAmortizationOfPremiumsOnSubordinatedDebt_i01_zZumpkKGtvQl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">Net amortization of premiums on subordinated debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">39</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">39</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></tr> <tr id="xdx_40F_eus-gaap--IncreaseDecreaseInOtherOperatingLiabilities_i01_z6EDNCgkf4Ok" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">Change in other liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(844</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(881</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(642</td><td style="text-align: left">)</td></tr> <tr id="xdx_40E_eus-gaap--IncreaseDecreaseInOtherOperatingAssets_i01N_di_zrxCGQz6tOH1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">Change in other assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(162</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">651</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">694</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--IncreaseDecreaseInOtherOperatingCapitalNet_i01N_di_zuj3eXmxJt55" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Other, net</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,041</td><td style="padding-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">1,979</td><td style="padding-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">1,757</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--NetCashProvidedByUsedInOperatingActivities_i01T_pn3n3_maCCERCzpkN_ziO6da3z98z" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.25in"> Net cash provided by operating activities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">12,995</td><td style="padding-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">11,265</td><td style="padding-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">7,141</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_40E_eus-gaap--NetCashProvidedByUsedInInvestingActivitiesAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><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>INVESTING ACTIVITIES:</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_406_eus-gaap--PaymentsToAcquireMarketableSecurities_i01N_di_zQgnrchzlli7" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Purchase of securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(82</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(103</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(107</td><td style="text-align: left">)</td></tr> <tr id="xdx_409_eus-gaap--ProceedsFromSaleAndMaturityOfMarketableSecurities_i01_zH5JSGciy1ub" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0.125in">Sales of securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">82</td><td style="padding-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">103</td><td style="padding-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">107</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--NetCashProvidedByUsedInInvestingActivities_i01T_pn3n3_maCCERCzpkN_ztJSKuVXu762" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Net cash provided by investing activities</td><td style="padding-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: xdx2ixbrl4446">—</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: xdx2ixbrl4447">—</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: xdx2ixbrl4448">—</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-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--NetCashProvidedByUsedInFinancingActivitiesAbstract_iB_zEwU8qRzrWQj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><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>FINANCING ACTIVITIES: </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--PaymentsOfDividends_i01N_di_zHOcYlhHTQP7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">Cash dividends paid</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(5,914</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(6,066</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(5,281</td><td style="text-align: left">)</td></tr> <tr id="xdx_40F_eus-gaap--PaymentsForRepurchaseOfCommonStock_i01N_di_zdjRKHu7Xa9g" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">Common stock repurchased</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(7,599</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(5,022</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(6,351</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; padding-left: 0.125in">Issuance of common stock in connection with stock option exercises</td><td style="padding-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><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,171</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--ProceedsFromStockOptionsExercised_i01T_maCCERCzpkN_zereN6pH31Jd" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Net cash used in financing activities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(13,513</td><td style="padding-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">(11,088</td><td style="padding-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">(10,461</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_40E_eus-gaap--CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_iT_mtCCERCzpkN_zHs0pfbSKB29" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">NET CHANGE IN CASH AND CASH EQUIVALENTS</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(518</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">177</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(3,320</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--CashAndCashEquivalentsAbstract_iB_zhXlcah2YNLj" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">CASH AND CASH EQUIVALENTS</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--CashAndCashEquivalentsAtCarryingValue_i01S_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0.125in">Beginning of year</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">940</td><td style="padding-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">763</td><td style="padding-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">4,083</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--CashAndCashEquivalentsAtCarryingValue_i01E_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt; padding-left: 0.125in">End of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">422</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">940</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">763</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--SupplementalCashFlowInformationAbstract_iB_zNM7LyrzKSL9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Supplemental cash flow information:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_401_ecustom--NetChangeInCashDueToBroker_i01_z6TeZDCkiKG" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net change in due to broker for common stock repurchased</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4487">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4488">—</span></td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A0_zDmPX3IGZZul" style="margin-top: 0; margin-bottom: 0"></p> <p id="xdx_898_esrt--ScheduleOfCondensedBalanceSheetTableTextBlock_zHZDzKgzgobf" 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 id="xdx_8BA_znxewROpr6s5">The condensed balance sheets of the parent company are as follows:</span><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></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; margin-right: auto"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 10pt; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20241231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_z3k7uTMLYESa" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20231231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_z3Dlb0dHOHt4" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </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">December 31,</td><td style="padding-bottom: 1pt; 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">2024</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></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_40A_eus-gaap--AssetsAbstract_iB_z9GkFeM51kGh" style="vertical-align: bottom"> <td style="font-weight: bold">ASSETS:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_407_eus-gaap--CashEquivalentsAtCarryingValue_iI_pn3n3_maAzYOr_maAzLq5_zKt5CphDqiBl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 10pt; padding-left: 5.4pt; width: 74%">Cash equivalents</td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%">$</td><td style="text-align: right; width: 10%">422</td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%">$</td><td style="text-align: right; width: 10%">940</td><td style="text-align: left; width: 1%"> </td></tr> <tr id="xdx_404_eus-gaap--InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_iI_pn3n3_maAzYOr_maAzLq5_zyfvlOYscEm9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 10pt; padding-left: 5.4pt">Investment in subsidiaries</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">240,994</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">242,780</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_ecustom--EmployeeStockOwnershipPlanESOPLoanReceivable_iI_pn3n3_maAzYOr_maAzLq5_zEwPluCM7M3g" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 10pt; padding-left: 5.4pt">ESOP loan receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,417</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,050</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--OtherAssets_iI_pn3n3_maAzYOr_maAzLq5_zaQqStERKad5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 10pt; padding-left: 5.4pt">Other assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14,575</td><td style="padding-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">13,780</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--Assets_iI_pn3n3_maAzYOr_mtAzLq5_z8IYyHLTEGy5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: 10pt; padding-left: 5.4pt">TOTAL ASSETS</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">258,408</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">260,550</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--LiabilitiesAbstract_iB_zYotSDVNiV74" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0in">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></tr> <tr id="xdx_400_ecustom--EmployeeStockOwnershipPlanESOPDebtStructureLoanAmount_iI_pn3n3_maLASEzgN8_zamX4YsGbgvf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 10pt; padding-left: 5.4pt">ESOP loan payable</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,417</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,050</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--OtherLiabilities_iI_pn3n3_maLASEzgN8_zBS8zQQ44qR1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 10pt; padding-left: 5.4pt">Other liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">20,081</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">20,091</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--StockholdersEquity_iI_maLASEzgN8_z3oc5iecx2B8" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 1pt; padding-left: 0in">EQUITY</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">235,910</td><td style="padding-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">237,409</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LiabilitiesAndStockholdersEquity_iI_pn3n3_mtLASEzgN8_zXlgY7m6S3q1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: 10.05pt; padding-left: 5.4pt">TOTAL LIABILITIES AND EQUITY</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">258,408</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">260,550</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 422000 940000 240994000 242780000 2417000 3050000 14575000 13780000 258408000 260550000 2417000 3050000 20081000 20091000 235910000 237409000 258408000 260550000 <p id="xdx_894_esrt--ScheduleOfCondensedIncomeStatementTableTextBlock_zkB1216Yjpl5" 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_8B3_zcAYBHtykSQ9">The condensed statements of net income for the parent company 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; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </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_495_20240101__20241231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zBlzdtVgcp3g" 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_491_20230101__20231231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zM163im6rC2k" 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 colspan="2" id="xdx_49A_20220101__20221231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zoKX0W5Wy1Xf" 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> </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">Years Ended December 31,</td><td style="padding-bottom: 1pt; 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">2024</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> </td><td> </td> <td colspan="10" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_402_eus-gaap--RevenuesAbstract_iB_z9BqhfBq04Fc" style="vertical-align: bottom"> <td style="font-weight: bold">INCOME:</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_404_ecustom--DividendsReceivedByParentCompanyFromBankSubsidiaries_i01_maRzKvo_znohGuh3Pipe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 67%; text-align: left; padding-left: 0in">Dividends from subsidiaries</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">14,209</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">12,119</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">8,152</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--InterestIncomeOther_i01_maRzKvo_zrnNCsKMo5Bf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">ESOP loan interest income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">244</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">296</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">349</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--NoninterestIncomeOtherOperatingIncome_i01_maRzKvo_zurV6nmQvbmg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Other income</td><td style="padding-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</td><td style="padding-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">36</td><td style="padding-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></tr> <tr id="xdx_402_eus-gaap--Revenues_i01T_mtRzKvo_maIBEIUzgD7_zjYtMQSmHtok" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9.2pt; padding-left: 5.4pt">Total income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14,464</td><td style="padding-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">12,451</td><td style="padding-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">8,503</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: 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: left"> </td><td style="text-align: right"> </td><td style="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--OperatingExpensesAbstract_iB_znD2jl7Ghfph" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0in">OPERATING EXPENSE:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--LaborAndRelatedExpense_i01_maOEzVC1_z7sGV3YAWWvj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Salaries and employee benefits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,408</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,761</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,011</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--InterestExpenseOther_i01_maOEzVC1_zOt8GTQH8Pq4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">ESOP loan interest expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">244</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">296</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">349</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--OtherGeneralExpense_i01_maOEzVC1_zqBHdQS1l7Zc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Other expenses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,285</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 style="border-bottom: Black 1pt solid; text-align: right">1,310</td><td style="padding-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">1,283</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--OperatingExpenses_i01T_mtOEzVC1_msIBEIUzgD7_zEtPUAxXcBD8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9.2pt; padding-left: 5.4pt">Total operating expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,937</td><td style="padding-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">3,367</td><td style="padding-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">3,643</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: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_409_ecustom--IncomeBeforeEquityInUndistributedIncomeOfSubsidiariesAndIncomeTaxes_iT_mtIBEIUzgD7_maILFCOzwK3_zHXYOck6iEhj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Income before equity in undistributed income of subsidiaries and income taxes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,527</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,084</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,860</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_ecustom--EquityInUndistributedNetIncomeOfSubsidiaries_maILFCOzwK3_ze0HUqP20EYc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 0; padding-left: 0">Equity in undistributed income of subsidiaries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(255</td><td style="padding-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">5,591</td><td style="padding-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">20,595</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_mtILFCOzwK3_zGa5peUUx0Gb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Net income before taxes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,272</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">14,675</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,455</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--IncomeTaxExpenseBenefit_zndRv7sl872k" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Income tax benefit</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(394</td><td style="padding-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">(393</td><td style="padding-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">(432</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_401_eus-gaap--NetIncomeLoss_iT_zykYgZIcesX6" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.2in">Net income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">11,666</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,068</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">25,887</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 14209000 12119000 8152000 244000 296000 349000 11000 36000 2000 14464000 12451000 8503000 1408000 1761000 2011000 244000 296000 349000 1285000 1310000 1283000 2937000 3367000 3643000 11527000 9084000 4860000 -255000 5591000 20595000 11272000 14675000 25455000 -394000 -393000 -432000 11666000 15068000 25887000 <p id="xdx_894_esrt--ScheduleOfCondensedCashFlowStatementTableTextBlock_zVqwR97fzLB" 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_8B8_z7tDRQhV2QJ2">The condensed statements of cash flows of the parent company 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; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </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_49D_20240101__20241231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zPyHrmrcMty3" 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_499_20230101__20231231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_ziqKMDmYEiKa" 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_494_20220101__20221231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zCPpNJxUgyYa" 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> </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">Years Ended December 31,</td><td style="padding-bottom: 1pt; 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">2024</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> </td><td> </td> <td colspan="10" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr id="xdx_406_eus-gaap--NetCashProvidedByUsedInOperatingActivitiesAbstract_iB_zXTur6aHTmpa" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">OPERATING ACTIVITIES:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--NetIncomeLoss_i01_zF72lqzUyIhk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 67%; text-align: left; padding-left: 0.125in">Net income</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">11,666</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">15,068</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">25,887</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--EquityInUndistributedNetIncomeOfSubsidiaries_i01N_di_zb3WorAH7rHf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">Equity in undistributed income of subsidiaries</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">255</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(5,591</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(20,595</td><td style="text-align: left">)</td></tr> <tr id="xdx_40D_ecustom--NetAmortizationOfPremiumsOnSubordinatedDebt_i01_zZumpkKGtvQl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">Net amortization of premiums on subordinated debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">39</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">39</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></tr> <tr id="xdx_40F_eus-gaap--IncreaseDecreaseInOtherOperatingLiabilities_i01_z6EDNCgkf4Ok" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">Change in other liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(844</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(881</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(642</td><td style="text-align: left">)</td></tr> <tr id="xdx_40E_eus-gaap--IncreaseDecreaseInOtherOperatingAssets_i01N_di_zrxCGQz6tOH1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">Change in other assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(162</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">651</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">694</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--IncreaseDecreaseInOtherOperatingCapitalNet_i01N_di_zuj3eXmxJt55" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Other, net</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,041</td><td style="padding-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">1,979</td><td style="padding-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">1,757</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--NetCashProvidedByUsedInOperatingActivities_i01T_pn3n3_maCCERCzpkN_ziO6da3z98z" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.25in"> Net cash provided by operating activities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">12,995</td><td style="padding-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">11,265</td><td style="padding-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">7,141</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_40E_eus-gaap--NetCashProvidedByUsedInInvestingActivitiesAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><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>INVESTING ACTIVITIES:</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_406_eus-gaap--PaymentsToAcquireMarketableSecurities_i01N_di_zQgnrchzlli7" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in">Purchase of securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(82</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(103</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(107</td><td style="text-align: left">)</td></tr> <tr id="xdx_409_eus-gaap--ProceedsFromSaleAndMaturityOfMarketableSecurities_i01_zH5JSGciy1ub" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0.125in">Sales of securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">82</td><td style="padding-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">103</td><td style="padding-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">107</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--NetCashProvidedByUsedInInvestingActivities_i01T_pn3n3_maCCERCzpkN_ztJSKuVXu762" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Net cash provided by investing activities</td><td style="padding-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: xdx2ixbrl4446">—</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: xdx2ixbrl4447">—</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: xdx2ixbrl4448">—</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-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--NetCashProvidedByUsedInFinancingActivitiesAbstract_iB_zEwU8qRzrWQj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><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>FINANCING ACTIVITIES: </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--PaymentsOfDividends_i01N_di_zHOcYlhHTQP7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in">Cash dividends paid</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(5,914</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(6,066</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(5,281</td><td style="text-align: left">)</td></tr> <tr id="xdx_40F_eus-gaap--PaymentsForRepurchaseOfCommonStock_i01N_di_zdjRKHu7Xa9g" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in">Common stock repurchased</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(7,599</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(5,022</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(6,351</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; padding-left: 0.125in">Issuance of common stock in connection with stock option exercises</td><td style="padding-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><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,171</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--ProceedsFromStockOptionsExercised_i01T_maCCERCzpkN_zereN6pH31Jd" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Net cash used in financing activities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(13,513</td><td style="padding-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">(11,088</td><td style="padding-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">(10,461</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_40E_eus-gaap--CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_iT_mtCCERCzpkN_zHs0pfbSKB29" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">NET CHANGE IN CASH AND CASH EQUIVALENTS</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(518</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">177</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(3,320</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--CashAndCashEquivalentsAbstract_iB_zhXlcah2YNLj" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">CASH AND CASH EQUIVALENTS</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--CashAndCashEquivalentsAtCarryingValue_i01S_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0.125in">Beginning of year</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">940</td><td style="padding-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">763</td><td style="padding-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">4,083</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--CashAndCashEquivalentsAtCarryingValue_i01E_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt; padding-left: 0.125in">End of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">422</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">940</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">763</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--SupplementalCashFlowInformationAbstract_iB_zNM7LyrzKSL9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Supplemental cash flow information:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_ecustom--NetChangeInCashDueToBroker_i01_z6TeZDCkiKG" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net change in due to broker for common stock repurchased</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4487">—</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: xdx2ixbrl4488">—</span></td><td style="text-align: left"> </td></tr> </table> 11666000 15068000 25887000 -255000 5591000 20595000 39000 39000 40000 -844000 -881000 -642000 162000 -651000 -694000 -2041000 -1979000 -1757000 12995000 11265000 7141000 82000 103000 107000 82000 103000 107000 5914000 6066000 5281000 7599000 5022000 6351000 -13513000 -11088000 -10461000 -518000 177000 -3320000 940000 763000 4083000 422000 940000 763000 163000 <p id="xdx_80C_eus-gaap--QuarterlyFinancialInformationTextBlock_ziWIv7mRA8Vd" style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>20.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_82A_zD3AlcrJgbRl">SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED)</span></b></span></td> </tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89C_eus-gaap--ScheduleOfQuarterlyFinancialInformationTableTextBlock_z3l1fTHGLMnh" 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 id="xdx_8B1_zBql3oOTlohc"><span id="xdx_8BC_zM3XdZlQr9Mi">The following tables present a summary of our quarterly financial information for the periods indicated.</span> The year-to-date totals may differ slightly due to rounding. All unaudited interim financial statements furnished shall reflect all adjustments which are, in the opinion of management, necessary to a fair statement of the results for interim periods presented and are of a normal and recurring nature, unless otherwise noted</span>.</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; text-indent: 0.9pt"><span style="font: 10pt Times New Roman, Times, Serif"></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> </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_49F_20240101__20240331_zvjlEhdvwWId" 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_492_20240401__20240630_zu0fQF37Inq2" 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_49B_20240701__20240930_zjNTf0zJzYB" 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 colspan="2" id="xdx_490_20241001__20241231_zMRdiK7xxDnd" 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> </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">2024</td><td style="padding-bottom: 1pt; 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">First Quarter</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">Second Quarter</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">Third Quarter</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">Fourth Quarter</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands, except per share amounts)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="14" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_400_eus-gaap--InterestAndDividendIncomeOperating_zWKZXkyWTmT9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left">Interest and dividend income</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">26,604</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">26,802</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">27,840</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">28,586</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--InterestExpense_zOHQR1uIErbj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Interest expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">11,258</td><td style="padding-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">12,332</td><td style="padding-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">13,112</td><td style="padding-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">13,313</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_402_eus-gaap--InterestIncomeExpenseNet_zExyGTLpIvta" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Net interest and dividend income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">15,346</td><td style="padding-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">14,470</td><td style="padding-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">14,728</td><td style="padding-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">15,273</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--ProvisionForLoanLeaseAndOtherLosses_pn3n3_znBYxdrLPb5k" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">(Reversal of) provision for credit losses</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">(294</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">941</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(762</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--GainLossOnDispositionOfAssets_pn3n3_zEmWaxwZC5Hi" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Loss on disposal of premises and equipment</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(6</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: xdx2ixbrl4516">—</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: xdx2ixbrl4517">—</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: xdx2ixbrl4518">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--EquitySecuritiesFvNiUnrealizedGainLoss_pn3n3_zVbUs26gnzpk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Unrealized gain (loss) on marketable equity securities, net</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">4</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10</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> <tr id="xdx_401_ecustom--NonMarketableSecuritiesUnrealizedGainLoss_zTL1CB5PShnl" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Gain on non-marketable equity investments</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4525">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">987</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: xdx2ixbrl4527">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">300</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--GainLossOnSaleOfMortgageLoans_zEHlmaI96cIh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Gain (loss) on sale of mortgages</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4530">—</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: xdx2ixbrl4531">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">246</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(11</td><td style="text-align: left">)</td></tr> <tr id="xdx_40B_eus-gaap--NoninterestIncomeOther_zdwuXYu571V8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Other non-interest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,672</td><td style="padding-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">2,843</td><td style="padding-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">2,885</td><td style="padding-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">2,974</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--NoninterestIncome_zygLTu0wNdFg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Non-interest income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,674</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,834</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,141</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,254</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--NoninterestExpense_zAA1rDtlumPk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt">Non-interest expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14,782</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">14,314</td><td style="padding-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">14,406</td><td style="padding-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">14,926</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_405_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_zKKJfdOY5rmc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Income before income taxes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,788</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,284</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,522</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,363</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--IncomeTaxExpenseBenefit_zVNy6uI1gnJk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Income tax provision</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">827</td><td style="padding-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">771</td><td style="padding-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">618</td><td style="padding-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">1,075</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--NetIncomeLoss_zJzsjpHLKwo1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Net income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,961</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,513</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,904</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,288</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--EarningsPerShareBasic_pid_zsszS7YXC5pi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Basic earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.14</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.17</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.09</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.16</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--EarningsPerShareDiluted_pid_zJ10OGbYoA7j" style="vertical-align: bottom; background-color: White"> <td>Diluted earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.14</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.17</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.09</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.16</td><td style="text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 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> </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_491_20230101__20230331_zMwlQwav3VIf" 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_49F_20230401__20230630_zCHQVVsgWdXh" 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_495_20230701__20230930_z7JUoG7G56xh" 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_496_20231001__20231231_zdho6O2xHHtk" 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> </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">2023</td><td style="padding-bottom: 1pt; 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">First Quarter</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">Second Quarter</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">Third Quarter</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">Fourth Quarter</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands, except per share amounts)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="14" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_400_eus-gaap--InterestAndDividendIncomeOperating_z5n81PISpe6k" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left">Interest and dividend income</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">23,638</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">24,809</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">25,901</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">26,770</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--InterestExpense_zzuYqIHfSLd4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Interest expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,134</td><td style="padding-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">7,963</td><td style="padding-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">9,518</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">10,594</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_402_eus-gaap--InterestIncomeExpenseNet_zbpTMYx7TPLd" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Net interest and dividend income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">18,504</td><td style="padding-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">16,846</td><td style="padding-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">16,383</td><td style="padding-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">16,176</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--ProvisionForLoanLeaseAndOtherLosses_pn3n3_zEG1g8zAV0ce" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">(Reversal of) provision for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(388</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">420</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">354</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">486</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--GainLossOnDispositionOfAssets_pn3n3_zvV5RzxiptM3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Loss on disposal of premises and equipment</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4595">—</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: xdx2ixbrl4596">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(3</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: xdx2ixbrl4598">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--EquitySecuritiesFvNiUnrealizedGainLoss_pn3n3_zpntaj14tIJ9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Unrealized loss on marketable equity securities, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4600">—</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: xdx2ixbrl4601">—</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: xdx2ixbrl4602">—</span></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></tr> <tr id="xdx_401_ecustom--NonMarketableSecuritiesUnrealizedGainLoss_zMKWvxdZ6JK7" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Gain on non-marketable equity investments</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">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: xdx2ixbrl4606">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">238</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: xdx2ixbrl4608">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--DefinedBenefitPlanRecognizedNetGainLossDueToCurtailments_iP3custom--NonMarketableSecuritiesUnrealizedGainLoss_zE0fEqiBRpwe" 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">Loss on defined benefit plan termination<sup id="xdx_F4F_zVlChmDvPU5k">(1)</sup></span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4610">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,143</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: xdx2ixbrl4612">—</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: xdx2ixbrl4613">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--BankOwnedLifeInsuranceDeathBenefits_iP3us-gaap--DefinedBenefitPlanRecognizedNetGainLossDueToCurtailments_pn3n3_zHNY3gPRFY04" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gain on bank-owned life insurance death benefit<sup id="xdx_F4E_zDaCrDqc8byf">(2)</sup></span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4615">—</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: xdx2ixbrl4616">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">778</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: xdx2ixbrl4618">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--NoninterestIncomeOther_zFMbLRFq4Up1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Other non-interest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,627</td><td style="padding-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">2,735</td><td style="padding-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">2,599</td><td style="padding-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">2,715</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--NoninterestIncome_zr34sXLYiHc9" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0.25in">Non-interest income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,979</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,592</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,612</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,714</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--NoninterestExpense_zXQbuj1FOHO8" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt">Non-interest expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14,896</td><td style="padding-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">14,551</td><td style="padding-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">14,118</td><td style="padding-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">14,785</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_405_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_zVKHxh5NFy4a" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Income before income taxes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,975</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,467</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,523</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,619</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--IncomeTaxExpenseBenefit_zkh9ciP1T6B5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Income tax provision</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,671</td><td style="padding-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">704</td><td style="padding-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">1,033</td><td style="padding-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">1,108</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--NetIncomeLoss_zftrlxHu99Ca" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Net income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,304</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,763</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,490</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,511</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--EarningsPerShareBasic_pid_zOPTJRhNIHEe" style="vertical-align: bottom; background-color: White"> <td>Basic earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.24</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.13</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.21</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.12</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--EarningsPerShareDiluted_pid_zDpdVDlMN8e7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Diluted earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.24</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.13</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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">0.12</td><td style="text-align: left"> </td></tr> </table> <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> <div style="text-align: left; margin-top: 3pt; margin-bottom: 3pt"><div style="border-top: Black 1pt solid; font-size: 1pt; width: 20%"> </div></div> <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-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span id="xdx_F04_zFlowcuGgBmk" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</span></td><td style="text-align: justify"><span id="xdx_F1E_zAjWjLyJ8Un" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The decrease in non-interest income for the three months ended June 30, 2023 was due to a one-time, non-recurring final termination expense of <span id="xdx_90C_eus-gaap--DefinedBenefitPlanRecognizedNetGainLossDueToCurtailments_pn3n3_dxL_c20230401__20230630_zuFwJm3DuxXd" title="::XDX::-1143"><span style="-sec-ix-hidden: xdx2ixbrl4660">$1.1</span></span> million resulting from the termination of the Company’s defined benefit pension plan.</span></td> </tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -0.25in"><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: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span id="xdx_F06_zTPdSccLYWRe" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</span></td><td style="text-align: justify"><span id="xdx_F15_zwUhH6jo84d7" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The increase in non-interest income for the three months ended September 30, 2023 was due to a non-taxable gain on bank-owned life insurance.</span></td> </tr></table> <p id="xdx_8A1_z96XwaLQmZpl" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: justify"></p> <p id="xdx_89C_eus-gaap--ScheduleOfQuarterlyFinancialInformationTableTextBlock_z3l1fTHGLMnh" 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 id="xdx_8B1_zBql3oOTlohc"><span id="xdx_8BC_zM3XdZlQr9Mi">The following tables present a summary of our quarterly financial information for the periods indicated.</span> The year-to-date totals may differ slightly due to rounding. All unaudited interim financial statements furnished shall reflect all adjustments which are, in the opinion of management, necessary to a fair statement of the results for interim periods presented and are of a normal and recurring nature, unless otherwise noted</span>.</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; text-indent: 0.9pt"><span style="font: 10pt Times New Roman, Times, Serif"></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> </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_49F_20240101__20240331_zvjlEhdvwWId" 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_492_20240401__20240630_zu0fQF37Inq2" 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_49B_20240701__20240930_zjNTf0zJzYB" 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 colspan="2" id="xdx_490_20241001__20241231_zMRdiK7xxDnd" 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> </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">2024</td><td style="padding-bottom: 1pt; 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">First Quarter</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">Second Quarter</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">Third Quarter</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">Fourth Quarter</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands, except per share amounts)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="14" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_400_eus-gaap--InterestAndDividendIncomeOperating_zWKZXkyWTmT9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left">Interest and dividend income</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">26,604</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">26,802</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">27,840</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">28,586</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--InterestExpense_zOHQR1uIErbj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Interest expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">11,258</td><td style="padding-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">12,332</td><td style="padding-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">13,112</td><td style="padding-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">13,313</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_402_eus-gaap--InterestIncomeExpenseNet_zExyGTLpIvta" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Net interest and dividend income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">15,346</td><td style="padding-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">14,470</td><td style="padding-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">14,728</td><td style="padding-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">15,273</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--ProvisionForLoanLeaseAndOtherLosses_pn3n3_znBYxdrLPb5k" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">(Reversal of) provision for credit losses</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">(294</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">941</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(762</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--GainLossOnDispositionOfAssets_pn3n3_zEmWaxwZC5Hi" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Loss on disposal of premises and equipment</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(6</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: xdx2ixbrl4516">—</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: xdx2ixbrl4517">—</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: xdx2ixbrl4518">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--EquitySecuritiesFvNiUnrealizedGainLoss_pn3n3_zVbUs26gnzpk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Unrealized gain (loss) on marketable equity securities, net</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">4</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10</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> <tr id="xdx_401_ecustom--NonMarketableSecuritiesUnrealizedGainLoss_zTL1CB5PShnl" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Gain on non-marketable equity investments</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4525">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">987</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: xdx2ixbrl4527">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">300</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--GainLossOnSaleOfMortgageLoans_zEHlmaI96cIh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Gain (loss) on sale of mortgages</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4530">—</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: xdx2ixbrl4531">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">246</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(11</td><td style="text-align: left">)</td></tr> <tr id="xdx_40B_eus-gaap--NoninterestIncomeOther_zdwuXYu571V8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Other non-interest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,672</td><td style="padding-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">2,843</td><td style="padding-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">2,885</td><td style="padding-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">2,974</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--NoninterestIncome_zygLTu0wNdFg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Non-interest income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,674</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,834</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,141</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,254</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--NoninterestExpense_zAA1rDtlumPk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt">Non-interest expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14,782</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">14,314</td><td style="padding-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">14,406</td><td style="padding-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">14,926</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_405_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_zKKJfdOY5rmc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Income before income taxes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,788</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,284</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,522</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,363</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--IncomeTaxExpenseBenefit_zVNy6uI1gnJk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Income tax provision</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">827</td><td style="padding-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">771</td><td style="padding-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">618</td><td style="padding-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">1,075</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--NetIncomeLoss_zJzsjpHLKwo1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Net income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,961</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,513</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,904</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,288</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--EarningsPerShareBasic_pid_zsszS7YXC5pi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Basic earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.14</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.17</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.09</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.16</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--EarningsPerShareDiluted_pid_zJ10OGbYoA7j" style="vertical-align: bottom; background-color: White"> <td>Diluted earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.14</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.17</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.09</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.16</td><td style="text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 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> </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_491_20230101__20230331_zMwlQwav3VIf" 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_49F_20230401__20230630_zCHQVVsgWdXh" 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_495_20230701__20230930_z7JUoG7G56xh" 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_496_20231001__20231231_zdho6O2xHHtk" 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> </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">2023</td><td style="padding-bottom: 1pt; 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">First Quarter</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">Second Quarter</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">Third Quarter</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">Fourth Quarter</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(Dollars in thousands, except per share amounts)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="14" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_400_eus-gaap--InterestAndDividendIncomeOperating_z5n81PISpe6k" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left">Interest and dividend income</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">23,638</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">24,809</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">25,901</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">26,770</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--InterestExpense_zzuYqIHfSLd4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Interest expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,134</td><td style="padding-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">7,963</td><td style="padding-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">9,518</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">10,594</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_402_eus-gaap--InterestIncomeExpenseNet_zbpTMYx7TPLd" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Net interest and dividend income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">18,504</td><td style="padding-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">16,846</td><td style="padding-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">16,383</td><td style="padding-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">16,176</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--ProvisionForLoanLeaseAndOtherLosses_pn3n3_zEG1g8zAV0ce" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">(Reversal of) provision for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(388</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">420</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">354</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">486</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--GainLossOnDispositionOfAssets_pn3n3_zvV5RzxiptM3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Loss on disposal of premises and equipment</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4595">—</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: xdx2ixbrl4596">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(3</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: xdx2ixbrl4598">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--EquitySecuritiesFvNiUnrealizedGainLoss_pn3n3_zpntaj14tIJ9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Unrealized loss on marketable equity securities, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4600">—</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: xdx2ixbrl4601">—</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: xdx2ixbrl4602">—</span></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></tr> <tr id="xdx_401_ecustom--NonMarketableSecuritiesUnrealizedGainLoss_zMKWvxdZ6JK7" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Gain on non-marketable equity investments</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">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: xdx2ixbrl4606">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">238</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: xdx2ixbrl4608">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--DefinedBenefitPlanRecognizedNetGainLossDueToCurtailments_iP3custom--NonMarketableSecuritiesUnrealizedGainLoss_zE0fEqiBRpwe" 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">Loss on defined benefit plan termination<sup id="xdx_F4F_zVlChmDvPU5k">(1)</sup></span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4610">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,143</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: xdx2ixbrl4612">—</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: xdx2ixbrl4613">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--BankOwnedLifeInsuranceDeathBenefits_iP3us-gaap--DefinedBenefitPlanRecognizedNetGainLossDueToCurtailments_pn3n3_zHNY3gPRFY04" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gain on bank-owned life insurance death benefit<sup id="xdx_F4E_zDaCrDqc8byf">(2)</sup></span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl4615">—</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: xdx2ixbrl4616">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">778</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: xdx2ixbrl4618">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--NoninterestIncomeOther_zFMbLRFq4Up1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Other non-interest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,627</td><td style="padding-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">2,735</td><td style="padding-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">2,599</td><td style="padding-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">2,715</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--NoninterestIncome_zr34sXLYiHc9" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0.25in">Non-interest income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,979</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,592</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,612</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,714</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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--NoninterestExpense_zXQbuj1FOHO8" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt">Non-interest expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14,896</td><td style="padding-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">14,551</td><td style="padding-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">14,118</td><td style="padding-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">14,785</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="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_405_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_zVKHxh5NFy4a" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Income before income taxes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,975</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,467</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,523</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,619</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--IncomeTaxExpenseBenefit_zkh9ciP1T6B5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Income tax provision</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,671</td><td style="padding-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">704</td><td style="padding-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">1,033</td><td style="padding-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">1,108</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--NetIncomeLoss_zftrlxHu99Ca" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Net income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,304</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,763</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,490</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,511</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--EarningsPerShareBasic_pid_zOPTJRhNIHEe" style="vertical-align: bottom; background-color: White"> <td>Basic earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.24</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.13</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.21</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.12</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--EarningsPerShareDiluted_pid_zDpdVDlMN8e7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Diluted earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.24</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.13</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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">0.12</td><td style="text-align: left"> </td></tr> </table> <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> <div style="text-align: left; margin-top: 3pt; margin-bottom: 3pt"><div style="border-top: Black 1pt solid; font-size: 1pt; width: 20%"> </div></div> <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-top: 0pt; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span id="xdx_F04_zFlowcuGgBmk" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</span></td><td style="text-align: justify"><span id="xdx_F1E_zAjWjLyJ8Un" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The decrease in non-interest income for the three months ended June 30, 2023 was due to a one-time, non-recurring final termination expense of <span id="xdx_90C_eus-gaap--DefinedBenefitPlanRecognizedNetGainLossDueToCurtailments_pn3n3_dxL_c20230401__20230630_zuFwJm3DuxXd" title="::XDX::-1143"><span style="-sec-ix-hidden: xdx2ixbrl4660">$1.1</span></span> million resulting from the termination of the Company’s defined benefit pension plan.</span></td> </tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify; text-indent: -0.25in"><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: 0; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.25in; text-align: left"><span id="xdx_F06_zTPdSccLYWRe" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</span></td><td style="text-align: justify"><span id="xdx_F15_zwUhH6jo84d7" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The increase in non-interest income for the three months ended September 30, 2023 was due to a non-taxable gain on bank-owned life insurance.</span></td> </tr></table> 26604000 26802000 27840000 28586000 11258000 12332000 13112000 13313000 15346000 14470000 14728000 15273000 -550000 -294000 941000 -762000 -6000 8000 4000 10000 -9000 987000 300000 246000 -11000 2672000 2843000 2885000 2974000 2674000 3834000 3141000 3254000 14782000 14314000 14406000 14926000 3788000 4284000 2522000 4363000 827000 771000 618000 1075000 2961000 3513000 1904000 3288000 0.14 0.17 0.09 0.16 0.14 0.17 0.09 0.16 23638000 24809000 25901000 26770000 5134000 7963000 9518000 10594000 18504000 16846000 16383000 16176000 -388000 420000 354000 486000 -3000 -1000 352000 238000 -1143000 778000 2627000 2735000 2599000 2715000 2979000 1592000 3612000 2714000 14896000 14551000 14118000 14785000 6975000 3467000 5523000 3619000 1671000 704000 1033000 1108000 5304000 2763000 4490000 2511000 0.24 0.13 0.21 0.12 0.24 0.13 0.21 0.12 Realized gains and losses on available-for-sale securities are recognized as a component of non-interest income in the consolidated statements of net income. The tax effects applicable to net realized gains were $1,000 for the year ended December 31, 2022. There were no tax effects applicable to net realized gains or losses for the years ended December 31, 2024 and 2023. Amounts represent the reclassification of defined benefit plan termination realized in income and have been recognized as a component of non-interest income. Income tax effects associated with the reclassification adjustments were $321,000 and $789,000 for the years ended December 31, 2023 and December 31, 2022, respectively. There were no tax effects applicable to reclassification adjustments for the year ended 2024. Amount represents the reclassification of defined benefit plan amortization and has been recognized as a component of non-interest expense. Income tax effects associated with the reclassification adjustment were $149,000 for the year ended December 31, 2022. There were no tax effects applicable to reclassification adjustments for the years ended 2024 and 2023. 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. The decrease in non-interest income for the three months ended June 30, 2023 was due to a one-time, non-recurring final termination expense of $1.1 million resulting from the termination of the Company’s defined benefit pension plan. The increase in non-interest income for the three months ended September 30, 2023 was due to a non-taxable gain on bank-owned life insurance.

    •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