Loans and the Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2024

Receivables [Abstract]

Schedule of Recorded Investment in Loans by Category

The recorded investment in loans is presented in the Consolidated Balance Sheets net of deferred loan fees and costs, and discounts on purchased loans. Net deferred loan costs were $11.9 million at December 31, 2024 and $11.5 million at December 31, 2023. The un-accreted discount on purchased loans from acquisitions was $10.5 million at December 31, 2024 and $13.5 million at December 31, 2023.

	December 31,		December 31,
(in thousands)	2024		2023
Commercial real estate:
Land and construction	$	1,352,083	$	1,055,865
Improved property		5,974,598		5,509,583
Total commercial real estate		7,326,681		6,565,448
Commercial and industrial		1,787,277		1,670,659
Residential real estate		2,520,086		2,438,574
Home equity		821,110		734,219
Consumer		201,275		229,561
Total portfolio loans		12,656,429		11,638,461
Loans held for sale		18,695		16,354
Total loans	$	12,675,124	$	11,654,815

Summary of Changes in Allowance for Credit Losses

The following tables summarize changes in the allowance for credit losses applicable to each category of the loan portfolio:

	For the Year Ended December 31, 2024
(in thousands)	Commercial Real Estate- Land and Construction			Commercial Real Estate- Improved Property			Commercial & Industrial			Residential Real Estate			Home Equity			Consumer			Deposit Overdrafts (1)			Total
Balance at beginning of year:
Allowance for credit    losses - loans	$	7,123		$	59,351		$	36,644		$	21,218		$	1,017		$	3,956		$	1,366		$	130,675
Allowance for credit    losses - loan commitments		6,894			—			429			1,276			5			—			—			8,604
Total beginning allowance for    credit losses - loans and loan    commitments		14,017			59,351			37,073			22,494			1,022			3,956			1,366			139,279
Provision for credit losses:
Provision for loan losses		1,815			516			14,287			631			530			2,141			1,814			21,734
Provision for loan commitments		(1,789	)		—			(429	)		(261	)		(5	)		—			—			(2,484	)
Total provision for credit    losses - loans and loan    commitments (2)		26			516			13,858			370			525			2,141			1,814			19,250
Charge-offs		(813	)		(937	)		(10,533	)		(308	)		(994	)		(4,402	)		(1,888	)		(19,875	)
Recoveries		286			898			2,000			249			682			1,696			421			6,232
Net recoveries (charge-offs)		(527	)		(39	)		(8,533	)		(59	)		(312	)		(2,706	)		(1,467	)		(13,643	)
Balance at end of period:
Allowance for credit    losses - loans		8,411			59,828			42,398			21,790			1,235			3,391			1,713			138,766
Allowance for credit    losses - loan commitments		5,105			—			—			1,015			—			—			—			6,120
Total ending allowance for credit    losses - loans and loan    commitments	$	13,516		$	59,828		$	42,398		$	22,805		$	1,235		$	3,391		$	1,713		$	144,886

(1) Deposit overdrafts of $13.8 million and $4.7 million are included in total portfolio loans for the periods ending December 31, 2024 and December 31, 2023, respectively.

(2) The total provision for credit losses - loans and loan commitments is reported in the consolidated statements of income in the provision for credit losses line item, which also includes the provision for credit losses on held-to-maturity securities. For more information on the provision relating to held-to-maturity securities, please see Note 4, "Securities."

	For the Year Ended December 31, 2023
(in thousands)	Commercial Real Estate- Land and Construction			Commercial Real Estate- Improved Property			Commercial & Industrial			Residential Real Estate			Home Equity			Consumer			Deposit Overdrafts (1)			Total
Balance at beginning of year:
Allowance for credit    losses - loans	$	6,737		$	52,659		$	31,540		$	18,208		$	4,234		$	3,127		$	1,285		$	117,790
Allowance for credit    losses - loan commitments		6,025			—			—			2,215			128			—			—			8,368
Total beginning allowance for    credit losses - loans and loan    commitments		12,762			52,659			31,540			20,423			4,362			3,127			1,285			126,158
Provision for credit losses:
Provision for loan losses		321			7,722			6,168			2,290			(2,901	)		2,507			1,420			17,527
Provision for loan commitments		869			—			429			(939	)		(123	)		—			—			236
Total provision for credit    losses - loans and loan    commitments (2)		1,190			7,722			6,597			1,351			(3,024	)		2,507			1,420			17,763
Charge-offs		(222	)		(1,877	)		(2,283	)		(392	)		(925	)		(3,725	)		(1,753	)		(11,177	)
Recoveries		287			847			1,219			1,112			609			2,047			414			6,535
Net recoveries (charge-offs)		65			(1,030	)		(1,064	)		720			(316	)		(1,678	)		(1,339	)		(4,642	)
Balance at end of period:
Allowance for credit    losses - loans		7,123			59,351			36,644			21,218			1,017			3,956			1,366			130,675
Allowance for credit    losses - loan commitments		6,894			—			429			1,276			5			—			—			8,604
Total ending allowance for credit    losses - loans and loan    commitments	$	14,017		$	59,351		$	37,073		$	22,494		$	1,022		$	3,956		$	1,366		$	139,279

(1) Deposit overdrafts of $4.7 million and $4.4 million are included in total portfolio loans for the periods ending December 31, 2023 and December 31, 2022, respectively.

(2) The total provision for credit losses - loans and loan commitments is reported in the consolidated statements of income in the provision for credit losses line item, which also includes the provision for credit losses on held-to-maturity securities. For more information on the provision relating to held-to-maturity securities, please see Note 4, "Securities."

	For the Year Ended December 31, 2022
(in thousands)	Commercial Real Estate- Land and Construction			Commercial Real Estate- Improved Property			Commercial & Industrial			Residential Real Estate			Home Equity			Consumer			Deposit Overdrafts (1)			Total
Balance at beginning of year:
Allowance for credit    losses - loans	$	7,310		$	65,355		$	26,875		$	15,401		$	724		$	3,737		$	2,220		$	121,622
Allowance for credit    losses - loan commitments		4,180			201			1,497			1,576			49			272			—			7,775
Total beginning allowance for    credit losses - loans and loan    commitments		11,490			65,556			28,372			16,977			773			4,009			2,220			129,397
Provision for credit losses:
Provision for loan losses		(625	)		(12,939	)		4,736			2,717			3,526			44			333			(2,208	)
Provision for loan commitments		1,845			(201	)		(1,497	)		639			79			(272	)		—			593
Total provision for credit    losses - loans and loan    commitments (2)		1,220			(13,140	)		3,239			3,356			3,605			(228	)		333			(1,615	)
Charge-offs		(73	)		(795	)		(1,068	)		(500	)		(358	)		(3,476	)		(1,622	)		(7,892	)
Recoveries		125			1,038			997			590			342			2,822			354			6,268
Net recoveries (charge-offs)		52			243			(71	)		90			(16	)		(654	)		(1,268	)		(1,624	)
Balance at end of period:
Allowance for credit    losses - loans		6,737			52,659			31,540			18,208			4,234			3,127			1,285			117,790
Allowance for credit    losses - loan commitments		6,025			—			—			2,215			128			—			—			8,368
Total ending allowance for credit    losses - loans and loan    commitments	$	12,762		$	52,659		$	31,540		$	20,423		$	4,362		$	3,127		$	1,285		$	126,158

(1) Deposit overdrafts of $4.4 million and $19.0 million are included in total portfolio loans for the periods ending December 31, 2022 and December 31, 2021, respectively.

(2) The total provision for credit losses - loans and loan commitments is reported in the consolidated statements of income in the provision for credit losses line item, which also includes the provision for credit losses on held-to-maturity securities. For more information on the provision relating to held-to-maturity securities, please see Note 4, "Securities."

Allowance for Credit Losses and Recorded Investments in Loans

The following tables present the allowance for credit losses and recorded investments in loans by category, as of each period-end:

	Allowance for Credit Losses and Recorded Investment in Loans
(in thousands)	Commercial Real Estate- Land and Construction		Commercial Real Estate- Improved Property		Commercial and Industrial		Residential Real Estate		Home Equity		Consumer		Deposit Overdrafts (1)		Total
December 31, 2024
Allowance for credit losses:
Loans individually-evaluated	$	—	$	12,461	$	5,353	$	—	$	—	$	—	$	—	$	17,814
Loans collectively-evaluated		8,411		47,367		37,045		21,790		1,235		3,391		1,713		120,952
Loan commitments (2)		5,105		—		—		1,015		—		—		—		6,120
Total allowance for credit    losses - loans and commitments	$	13,516	$	59,828	$	42,398	$	22,805	$	1,235	$	3,391	$	1,713	$	144,886
Portfolio loans:
Individually-evaluated for credit    losses	$	—	$	45,224	$	7,116	$	—	$	—	$	—	$	—	$	52,340
Collectively-evaluated for credit    losses		1,352,083		5,929,374		1,780,161		2,520,086		821,110		201,275		—		12,604,089
Total portfolio loans	$	1,352,083	$	5,974,598	$	1,787,277	$	2,520,086	$	821,110	$	201,275	$	—	$	12,656,429
December 31, 2023
Allowance for credit losses:
Loans individually-evaluated	$	—	$	5,745	$	—	$	—	$	—	$	—	$	—	$	5,745
Loans collectively-evaluated		7,123		53,606		36,644		21,218		1,017		3,956		1,366		124,930
Loan commitments (2)		6,894		—		429		1,276		5		—		—		8,604
Total allowance for credit    losses - loans and commitments	$	14,017	$	59,351	$	37,073	$	22,494	$	1,022	$	3,956	$	1,366	$	139,279
Portfolio loans:
Individually-evaluated for credit    losses	$	—	$	36,929	$	116	$	—	$	—	$	—	$	—	$	37,045
Collectively-evaluated for credit    losses		1,055,865		5,472,654		1,670,543		2,438,574		734,219		229,561		—		11,601,416
Total portfolio loans	$	1,055,865	$	5,509,583	$	1,670,659	$	2,438,574	$	734,219	$	229,561	$	—	$	11,638,461

(1) Deposit overdrafts of $13.8 million and $4.7 million are included in total portfolio loans for the periods ending December 31, 2024 and December 31, 2023, respectively.

(2) For additional detail relating to loan commitments, see Note 19, "Commitments and Contingent Liabilities".

Summary of Commercial Loans by Risk Grade

The following tables summarize commercial loans by their assigned risk grade:

	Commercial Loans by Internally Assigned Risk Grade
(in thousands)	Commercial Real Estate- Land and Construction		Commercial Real Estate- Improved Property		Commercial & Industrial		Total Commercial Loans
As of December 31, 2024
Pass	$	1,347,374	$	5,690,606	$	1,721,309	$	8,759,289
Criticized—compromised		3,873		189,322		48,805		242,000
Classified—substandard		836		94,670		17,163		112,669
Classified—doubtful		—		—		—		—
Total	$	1,352,083	$	5,974,598	$	1,787,277	$	9,113,958
As of December 31, 2023
Pass	$	1,053,359	$	5,337,394	$	1,586,683	$	7,977,436
Criticized—compromised		2,497		107,473		73,204		183,174
Classified—substandard		9		64,716		10,772		75,497
Classified—doubtful		—		—		—		—
Total	$	1,055,865	$	5,509,583	$	1,670,659	$	8,236,107

Summary of Age Analysis of Loan Categories

The following tables summarize the age analysis of all categories of loans.

	Age Analysis of Loans
(in thousands)	Current		30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Total Loans		90 Days or More Past Due  and Accruing
As of December 31, 2024
Commercial real estate:
Land and construction	$	1,351,251	$	832	$	—	$	—	$	832	$	1,352,083	$	—
Improved property		5,935,163		7,646		8,148		23,641		39,435		5,974,598		5,561
Total commercial real estate		7,286,414		8,478		8,148		23,641		40,267		7,326,681		5,561
Commercial and industrial		1,772,832		957		8,872		4,616		14,445		1,787,277		3,498
Residential real estate		2,506,959		1,483		3,523		8,121		13,127		2,520,086		2,489
Home equity		806,025		7,420		3,043		4,622		15,085		821,110		1,150
Consumer		195,082		3,916		1,384		893		6,193		201,275		857
Total portfolio loans		12,567,312		22,254		24,970		41,893		89,117		12,656,429		13,555
Loans held for sale		18,695		—		—		—		—		18,695		—
Total loans	$	12,586,007	$	22,254	$	24,970	$	41,893	$	89,117	$	12,675,124	$	13,555
Nonperforming loans included above are as follows:
Non-accrual loans	$	10,117	$	684	$	613	$	28,338		29,635	$	39,752
As of December 31, 2023
Commercial real estate:
Land and construction	$	1,055,865	$	—	$	—	$	—	$	—	$	1,055,865	$	—
Improved property		5,490,946		4,416		3,627		10,594		18,637		5,509,583		1,899
Total commercial real estate		6,546,811		4,416		3,627		10,594		18,637		6,565,448		1,899
Commercial and industrial		1,663,985		640		1,255		4,779		6,674		1,670,659		3,184
Residential real estate		2,429,200		1,572		2,471		5,331		9,374		2,438,574		2,602
Home equity		724,293		4,691		1,198		4,037		9,926		734,219		1,407
Consumer		223,989		3,833		1,178		561		5,572		229,561		546
Total portfolio loans		11,588,278		15,152		9,729		25,302		50,183		11,638,461		9,638
Loans held for sale		16,354		—		—		—		—		16,354		—
Total loans	$	11,604,632	$	15,152	$	9,729	$	25,302	$	50,183	$	11,654,815	$	9,638
Nonperforming loans included above are as follows:
Non-accrual loans	$	9,138	$	1,300	$	706	$	15,664		17,670	$	26,808

Summary of Nonperforming Loans

The following tables summarize nonperforming loans:

	Nonperforming Loans
	December 31, 2024						December 31, 2023
(in thousands)	Unpaid Principal Balance (1)		Recorded Investment		Related Allowance		Unpaid Principal Balance (1)		Recorded Investment		Related Allowance
With no related specific allowance recorded:
Commercial real estate:
Land and construction	$	—	$	—	$	—	$	—	$	—	$	—
Improved property		17,489		15,918		—		11,248		9,557		—
Commercial and industrial		2,896		1,897		—		2,492		1,841		—
Residential real estate		17,200		12,524		—		15,128		10,582		—
Home equity		8,284		6,208		—		6,521		4,777		—
Consumer		140		87		—		104		51		—
Total nonperforming loans without a specific allowance		46,009		36,634		—		35,493		26,808		—
With a specific allowance recorded:
Commercial real estate:
Land and construction		—		—		—		—		—		—
Improved property		3,118		3,118		516		—		—		—
Commercial and industrial		—		—		—		—		—		—
Residential real estate		—		—		—		—		—		—
Home equity		—		—		—		—		—		—
Consumer		—		—		—		—		—		—
Total nonperforming loans with a specific allowance		3,118		3,118		516		—		—		—
Total nonperforming loans	$	49,127	$	39,752	$	516	$	35,493	$	26,808	$	—

(1) The difference between the unpaid principal balance and the recorded investment generally reflects amounts that have been previously charged-off and fair market value adjustments on acquired nonperforming loans.

	Nonperforming Loans
	For the Year Ended December 31, 2024				For the Year Ended December 31, 2023				For the Year Ended December 31, 2022
(in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related specific allowance recorded:
Commercial real estate:
Land and construction	$	79	$	—	$	22	$	—	$	79	$	2
Improved property		13,396		—		13,369		—		9,324		99
Commercial and industrial		2,166		—		2,530		—		4,233		12
Residential real estate		11,413		—		12,628		—		17,873		247
Home equity		5,317		—		5,119		—		5,298		37
Consumer		79		—		107		—		406		5
Total nonperforming loans without a specific allowance		32,450		—		33,775		—		37,213		402
With a specific allowance recorded:
Commercial real estate:
Land and construction		—		—		—		—		—		—
Improved property		624		—		—		—		—		—
Commercial and industrial		—		—		—		—		—		—
Residential real estate		—		—		—		—		—		—
Home equity		—		—		—		—		—		—
Consumer		—		—		—		—		—		—
Total nonperforming loans with a specific allowance		624		—		—		—		—		—
Total nonperforming loans	$	33,074	$	—	$	33,775	$	—	$	37,213	$	402

Recognition of Interest Income on Nonperforming Loans

The following table summarizes the recognition of interest income on nonperforming loans:

	For the years ended December 31,
(in thousands)	2024		2023		2022
Average nonperforming loans	$	33,074	$	33,775	$	37,213
Amount of contractual interest income on nonperforming loans		3,338		1,191		2,722
Amount of interest income recognized on nonperforming loans		—		—		402

Recorded Investment in Non-Accrual Loans

The following table presents the recorded investment in non-accrual loans:

	Non-accrual Loans (1)
(in thousands)	December 31, 2024		December 31, 2023
Commercial real estate:
Land and construction	$	—	$	—
Improved property		19,036		9,557
Total commercial real estate		19,036		9,557
Commercial and industrial		1,897		1,841
Residential real estate		12,524		10,582
Home equity		6,208		4,777
Consumer		87		51
Total	$	39,752	$	26,808

(1) At December 31, 2024, there were six borrowers with loan balances greater than $1.0 million totaling $13.1 million, as compared to two borrowers with a loan balance greater than $1.0 million totaling $7.2 million at December 31, 2023. Total non-accrual loans include loans that are also restructured for borrowers experiencing financial difficulty. Such loans are also set forth in the following tables.

Summary of Details of Portfolio Loans Modified by Loan Category

The following table displays the details of portfolio loans that were modified during the year ended December 31, 2024 presented by loan category:

	For the Year Ended December 31, 2024
(in thousands)	Term Extension		Payment Delay		Total		Percent of Total by Loan Category
Commercial real estate - land and construction	$	836	$	—	$	836		0.1
Commercial real estate - improved property		80,183		29,329		109,512		1.8
Commercial and industrial		7,607		46		7,653		0.4
Residential real estate		—		3,552		3,552		0.1
Home equity		—		1,644		1,644		0.2
Consumer		—		368		368		0.2
Total	$	88,626	$	34,939	$	123,565		1.0
	For the Year Ended December 31, 2023
(in thousands)	Term Extension		Payment Delay		Total		Percent of Total by Loan Category
Commercial real estate - land and construction	$	—	$	—	$	—		—
Commercial real estate - improved property		6,281		153		6,434		0.1
Commercial and industrial		10,555		16		10,571		0.6
Residential real estate		—		989		989		0.0
Home equity		8		1,186		1,194		0.2
Consumer		—		446		446		0.2
Total	$	16,844	$	2,790	$	19,634		0.2

Unfunded loan commitments on modifications for borrowers experiencing financial difficulty ("MBEFDs") totaled $0.5 million and $1.8 million for loans modified during the twelve months ended December 31, 2024 and December 31, 2023, respectively. These commitments are not included in the table above.

Summary of Financial Impacts of Loan Modifications and Payment Deferrals to Portfolio Loans

The following table summarizes the financial impacts of loan modifications and payment deferrals made to portfolio loans during the years ended December 31, 2024 and December 31, 2023, presented by loan category:

	For the Year Ended December 31, 2024		For the Year Ended December 31, 2023
(in thousands)	Weighted-Average Term Extension (in months)		Weighted-Average Term Extension (in months)
Commercial real estate - land and construction		2		—
Commercial real estate - improved property		9		25
Commercial and industrial		6		9
Residential real estate		—		—
Home equity		—		120
Consumer		—		—

Summary of Loans with MBEFDs

The following table summarizes loans with MBEFDs which defaulted (defined as 90 days past due) during the 12 months after the loan was modified. Modified loans, including those that have defaulted, are already included in the allowance for credit losses through the various methodologies used to estimate the allowance. As such, no modification to the allowance is recorded specifically due to a modified loan subsequently defaulting.

	For the Year Ended December 31, 2024
(in thousands)	Term Extension		Payment Delay		Total
Commercial real estate - land and construction	$	—	$	—	$	—
Commercial real estate - improved property		3,118		—		3,118
Commercial and industrial		161		46		207
Residential real estate		—		301		301
Home equity		—		195		195
Consumer		—		65		65
Total loans that subsequently defaulted	$	3,279	$	607	$	3,886
	For the Year Ended December 31, 2023
(in thousands)	Term Extension		Payment Delay		Total
Commercial real estate - land and construction	$	—	$	—	$	—
Commercial real estate - improved property		33		—		33
Commercial and industrial		2,975		—		2,975
Residential real estate		—		—		—
Home equity		—		—		—
Consumer		—		—		—
Total loans that subsequently defaulted	$	3,008	$	—	$	3,008

Summary of Aging Analysis of Portfolio Loans Restructured

The following tables present an aging analysis of portfolio loans by loan category that were modified during the twelve months prior to December 31, 2024 and December 31, 2023:

	December 31, 2024
(in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total
Commercial real estate - land and construction	$	832	$	—	$	—	$	832	$	4	$	836
Commercial real estate - improved property		—		7,950		8,193		16,143		93,369		109,512
Commercial and industrial		43		6,959		46		7,048		605		7,653
Residential real estate		—		—		329		329		3,223		3,552
Home equity		155		—		234		389		1,255		1,644
Consumer		6		49		86		141		227		368
Total modified loans (1)		1,036		14,958		8,888		24,882		98,683		123,565
	December 31, 2023
(in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total
Commercial real estate - land and construction	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate - improved property		182		—		113		295		6,139		6,434
Commercial and industrial		—		16		2,975		2,991		7,580		10,571
Residential real estate		—		72		32		104		885		989
Home equity		—		46		227		273		921		1,194
Consumer		8		53		28		89		357		446
Total modified loans (1)		190		187		3,375		3,752		15,882		19,634

(1) Represents balance at period end.

Summary of Amortized Cost Basis Loan Balances by Year of Origination and Credit Quality Indicator

The following table summarizes amortized cost basis loan balances by year of origination and credit quality indicator.

	Loans As of December 31, 2024
	Amortized Cost Basis by Origination Year
(in thousands)	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Commercial real estate: land and construction
Risk rating:
Pass	$	245,699	$	403,923	$	249,690	$	84,527	$	21,316	$	52,485	$	145,032	$	144,702	$	1,347,374
Criticized - compromised		1,746		—		1,096		—		—		10		376		645		3,873
Classified - substandard		—		—		—		—		—		4		—		832		836
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	247,445	$	403,923	$	250,786	$	84,527	$	21,316	$	52,499	$	145,408	$	146,179	$	1,352,083
Current-period gross charge-offs	$	—	$	813	$	—	$	—	$	—	$	—	$	—	$	—	$	813
Commercial real estate: improved property
Risk rating:
Pass	$	542,333	$	472,746	$	1,038,745	$	543,212	$	512,916	$	1,897,950	$	200,572	$	482,132	$	5,690,606
Criticized - compromised		365		28,204		5,188		13,590		6,733		39,845		825		94,572		189,322
Classified - substandard		19,746		1,836		23,393		1,186		9,952		36,142		623		1,792		94,670
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	562,444	$	502,786	$	1,067,326	$	557,988	$	529,601	$	1,973,937	$	202,020	$	578,496	$	5,974,598
Current-period gross charge-offs	$	—	$	—	$	75	$	7	$	—	$	855	$	—	$	—	$	937
Commercial and industrial
Risk rating:
Pass	$	225,344	$	139,460	$	206,252	$	106,446	$	48,285	$	250,438	$	616,831	$	128,253	$	1,721,309
Criticized - compromised		217		7,335		3,337		921		1,597		7,660		20,464		7,274		48,805
Classified - substandard		1,494		382		1,158		1,225		65		2,639		2,460		7,740		17,163
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	227,055	$	147,177	$	210,747	$	108,592	$	49,947	$	260,737	$	639,755	$	143,267	$	1,787,277
Current-period gross charge-offs	$	48	$	648	$	1,048	$	228	$	162	$	1,029	$	1	$	7,369	$	10,533
Residential real estate
Loan delinquency:
Current	$	201,454	$	195,121	$	323,588	$	397,596	$	168,526	$	471,081	$	—	$	749,593	$	2,506,959
30-59 days past due		—		—		—		—		—		1,483		—		—		1,483
60-89 days past due		—		—		—		319		37		2,763		—		404		3,523
90 days or more past due		—		219		838		128		204		5,237		—		1,495		8,121
Total	$	201,454	$	195,340	$	324,426	$	398,043	$	168,767	$	480,564	$	—	$	751,492	$	2,520,086
Current-period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	250	$	—	$	58	$	308
Home equity
Loan delinquency:
Current	$	11,504	$	1,857	$	2,220	$	969	$	2,623	$	22,444	$	763,157	$	1,251	$	806,025
30-59 days past due		—		167		530		65		88		1,226		5,166		178		7,420
60-89 days past due		—		656		1,170		346		—		636		91		144		3,043
90 days or more past due		—		927		795		235		363		2,045		112		145		4,622
Total	$	11,504	$	3,607	$	4,715	$	1,615	$	3,074	$	26,351	$	768,526	$	1,718	$	821,110
Current-period gross charge-offs	$	—	$	355	$	132	$	65	$	35	$	260	$	28	$	119	$	994
Consumer
Loan delinquency:
Current	$	51,073	$	55,821	$	36,994	$	11,744	$	5,640	$	9,270	$	24,540	$	—	$	195,082
30-59 days past due		774		1,225		765		602		205		197		148		—		3,916
60-89 days past due		271		327		517		161		51		57		—		—		1,384
90 days or more past due		320		235		123		116		34		65		—		—		893
Total	$	52,438	$	57,608	$	38,399	$	12,623	$	5,930	$	9,589	$	24,688	$	—	$	201,275
Current-period gross charge-offs	$	382	$	1,578	$	1,466	$	497	$	166	$	313	$	—	$	—	$	4,402

	Loans As of December 31, 2023
	Amortized Cost Basis by Origination Year
(in thousands)	2023		2022		2021		2020		2019		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Commercial real estate: land and construction
Risk rating:
Pass	$	290,954	$	349,549	$	145,043	$	54,172	$	48,655	$	35,917	$	82,288	$	46,781	$	1,053,359
Criticized - compromised		—		—		—		—		—		16		299		2,182		2,497
Classified - substandard		—		—		—		—		—		9		—		—		9
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	290,954	$	349,549	$	145,043	$	54,172	$	48,655	$	35,942	$	82,587	$	48,963	$	1,055,865
Current-period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	222	$	222
Commercial real estate: improved property
Risk rating:
Pass	$	494,142	$	1,076,535	$	603,354	$	581,540	$	514,523	$	1,706,804	$	103,467	$	257,029	$	5,337,394
Criticized - compromised		—		16,270		8,630		4,387		5,185		44,861		2,373		25,767		107,473
Classified - substandard		1,921		517		417		2,416		23,472		35,939		—		34		64,716
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	496,063	$	1,093,322	$	612,401	$	588,343	$	543,180	$	1,787,604	$	105,840	$	282,830	$	5,509,583
Current-period gross charge-offs	$	—	$	—	$	372	$	—	$	—	$	1,505	$	—	$	—	$	1,877
Commercial and industrial
Risk rating:
Pass	$	238,427	$	234,520	$	136,998	$	78,836	$	39,259	$	252,826	$	541,400	$	64,417	$	1,586,683
Criticized - compromised		1,094		834		3,169		1,490		7,334		31,526		20,626		7,131		73,204
Classified - substandard		33		149		315		265		825		1,916		5,797		1,472		10,772
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	239,554	$	235,503	$	140,482	$	80,591	$	47,418	$	286,268	$	567,823	$	73,020	$	1,670,659
Current-period gross charge-offs	$	98	$	205	$	603	$	353	$	20	$	463	$	—	$	541	$	2,283
Residential real estate
Loan delinquency:
Current	$	277,790	$	429,835	$	445,322	$	185,139	$	86,149	$	456,818	$	—	$	548,147	$	2,429,200
30-59 days past due		—		—		—		—		—		1,572		—		—		1,572
60-89 days past due		—		—		—		341		—		2,130		—		—		2,471
90 days or more past due		—		799		34		-		263		4,207		—		28		5,331
Total	$	277,790	$	430,634	$	445,356	$	185,480	$	86,412	$	464,727	$	—	$	548,175	$	2,438,574
Current-period gross charge-offs	$	—	$	—	$	—	$	—	$	5	$	387	$	—	$	—	$	392
Home equity
Loan delinquency:
Current	$	12,675	$	1,235	$	1,467	$	1,571	$	1,614	$	22,484	$	681,848	$	1,399	$	724,293
30-59 days past due		34		193		85		73		44		947		3,315		-		4,691
60-89 days past due		119		318		16		68		76		524		—		77		1,198
90 days or more past due		—		213		-		737		230		2,527		—		330		4,037
Total	$	12,828	$	1,959	$	1,568	$	2,449	$	1,964	$	26,482	$	685,163	$	1,806	$	734,219
Current-period gross charge-offs	$	—	$	139	$	57	$	29	$	79	$	615	$	6	$	—	$	925
Consumer
Loan delinquency:
Current	$	84,526	$	57,661	$	21,592	$	13,189	$	10,958	$	12,143	$	23,916	$	4	$	223,989
30-59 days past due		699		1,526		952		343		162		119		32		—		3,833
60-89 days past due		191		616		195		112		5		59		—		—		1,178
90 days or more past due		64		203		114		63		9		108		—		—		561
Total	$	85,480	$	60,006	$	22,853	$	13,707	$	11,134	$	12,429	$	23,948	$	4	$	229,561
Current-period gross charge-offs	$	251	$	1,921	$	901	$	301	$	100	$	247	$	4	$	—	$	3,725

Summary of Other Real Estate Owned and Repossessed Assets

The following table summarizes other real estate owned and repossessed assets included in other assets:

	December 31,
(in thousands)	2024		2023
Other real estate owned	$	649	$	1,207
Repossessed assets		203		290
Total other real estate owned and repossessed assets	$	852	$	1,497