Loans Receivable

12 Months Ended

Dec. 31, 2025

Loans and Leases Receivable Disclosure [Abstract]

Loans Receivable

3. LOANS RECEIVABLE

The portfolio segments and classes of loans are as follows:

(In Thousands)	December 31, 2025			December 31, 2024
Agriculture and farmland loans	$	61,611		$	67,741
Construction loans		172,917			152,619
Commercial & industrial loans		275,824			245,833
Commercial real estate loans
Multifamily		244,554			211,778
Owner occupied		545,837			477,742
Non-owner occupied		771,537			628,237
Residential real estate loans
First liens		377,108			373,469
Second liens and lines of credit		87,051			76,713
Consumer and other loans		17,062			17,086
Municipal loans		2,767			3,886
		2,556,268			2,255,104
Deferred costs		461			645
Allowance for credit losses		(31,674	)		(26,435	)
Total	$	2,525,055		$	2,229,314

The above table does not include loans that are held for sale related to the New Jersey branch sale at December 31, 2024.

The Company originates commercial, residential, and consumer loans within its primary market areas of southcentral and southeastern Pennsylvania, northern Virginia, eastern Maryland, and Delaware. A significant portion of the loan portfolio is secured by real estate.

At December 31, 2025 and 2024, the Company serviced residential mortgage loans for the FHLB in the amount of $37,342 and $40,578, respectively.