Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2024

Allowance for Credit Losses

Schedule of activity in the allowance by class of loans and lease

	Three Months Ended June 30, 2024
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Allowance for credit losses:
Balance at beginning of period	$	17,087	$	43,526	$	12,441	$	2,485	$	36,790	$	11,447	$	36,060	$	159,836
Charge-offs		(677)		—		—		—		—		—		(4,182)		(4,859)
Recoveries		250		—		—		—		28		112		1,950		2,340
Provision		(1,947)		886		(3,110)		(133)		9,334		(2,376)		546		3,200
Balance at end of period	$	14,713	$	44,412	$	9,331	$	2,352	$	46,152	$	9,183	$	34,374	$	160,517

	Six Months Ended June 30, 2024
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Allowance for credit losses:
Balance at beginning of period	$	14,956	$	43,944	$	10,392	$	1,754	$	36,880	$	11,728	$	36,879	$	156,533
Charge-offs		(1,586)		—		—		—		—		—		(9,036)		(10,622)
Recoveries		461		—		—		—		58		156		3,639		4,314
Provision		882		468		(1,061)		598		9,214		(2,701)		2,892		10,292
Balance at end of period	$	14,713	$	44,412	$	9,331	$	2,352	$	46,152	$	9,183	$	34,374	$	160,517

	Three Months Ended June 30, 2023
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Allowance for credit losses:
Balance at beginning of period	$	14,038	$	40,311	$	6,473	$	1,481	$	34,320	$	9,341	$	41,158	$	147,122
Charge-offs		(997)		—		—		—		—		(137)		(4,516)		(5,650)
Recoveries		292		—		—		—		30		59		1,728		2,109
Provision		477		(424)		3,398		(34)		(1,547)		2,543		587		5,000
Balance at end of period	$	13,810	$	39,887	$	9,871	$	1,447	$	32,803	$	11,806	$	38,957	$	148,581

	Six Months Ended June 30, 2023
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Allowance for credit losses:
Balance at beginning of period	$	14,564	$	43,810	$	5,843	$	1,551	$	35,175	$	8,296	$	34,661	$	143,900
Charge-offs		(1,788)		—		—		—		(122)		(272)		(9,298)		(11,480)
Recoveries		538		—		—		—		57		236		3,894		4,725
Provision		496		(3,923)		4,028		(104)		(2,307)		3,546		9,700		11,436
Balance at end of period	$	13,810	$	39,887	$	9,871	$	1,447	$	32,803	$	11,806	$	38,957	$	148,581

Schedule of activity in the Liability for Credit Losses for Off-Balance-Sheet Financial Instruments

	Three Months Ended June 30, 2024
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Reserve for unfunded commitments:
Balance at beginning of period	$	8,792	$	1,873	$	6,897	$	—	$	14	$	17,187	$	50	$	34,813
Provision		(845)		(438)		225		—		(6)		(308)		(28)		(1,400)
Balance at end of period	$	7,947	$	1,435	$	7,122	$	—	$	8	$	16,879	$	22	$	33,413

	Six Months Ended June 30, 2024
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Reserve for unfunded commitments:
Balance at beginning of period	$	9,116	$	1,787	$	8,048	$	—	$	24	$	16,589	$	41	$	35,605
Provision		(1,169)		(352)		(926)		—		(16)		290		(19)		(2,192)
Balance at end of period	$	7,947	$	1,435	$	7,122	$	—	$	8	$	16,879	$	22	$	33,413

	Three Months Ended June 30, 2023
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Reserve for unfunded commitments:
Balance at beginning of period	$	7,153	$	1,692	$	8,952	$	—	$	17	$	18,336	$	49	$	36,199
Provision		(799)		299		837		—		2		(321)		(18)		—
Balance at end of period	$	6,354	$	1,991	$	9,789	$	—	$	19	$	18,015	$	31	$	36,199

	Six Months Ended June 30, 2023
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Reserve for unfunded commitments:
Balance at beginning of period	$	7,811	$	2,004	$	7,470	$	—	$	30	$	16,483	$	37	$	33,835
Provision		(1,457)		(13)		2,319		—		(11)		1,532		(6)		2,364
Balance at end of period	$	6,354	$	1,991	$	9,789	$	—	$	19	$	18,015	$	31	$	36,199

Schedule of amortized cost basis by year of origination and credit quality indicator

The amortized cost basis by year of origination and credit quality indicator of the Company’s loans and leases as of June 30, 2024 was as follows:

															Revolving
															Loans
															Converted
	Term Loans												Revolving		to Term
	Amortized Cost Basis by Origination Year												Loans		Loans
													Amortized		Amortized
(dollars in thousands)	2024		2023		2022		2021		2020		Prior		Cost Basis		Cost Basis		Total
Commercial Lending
Commercial and Industrial
Risk rating:
Pass	$	66,318	$	88,879	$	228,354	$	276,824	$	23,556	$	274,582	$	1,101,721	$	3,199	$	2,063,433
Special Mention		315		1		10,547		54		564		1,313		18,727		—		31,521
Substandard		—		—		6,230		242		417		2,038		23,145		—		32,072
Other (1)		9,351		11,580		8,737		3,632		1,696		1,792		44,876		—		81,664
Total Commercial and Industrial		75,984		100,460		253,868		280,752		26,233		279,725		1,188,469		3,199		2,208,690
Current period gross charge-offs		—		216		319		61		52		938		—		—		1,586
Commercial Real Estate
Risk rating:
Pass		98,062		347,143		863,033		676,256		331,737		1,798,626		89,069		6,910		4,210,836
Special Mention		3,338		2,275		7,565		41,369		1,353		19,329		6,965		—		82,194
Substandard		—		—		5,016		1,003		—		5,331		499		—		11,849
Other (1)		—		—		—		—		—		138		—		—		138
Total Commercial Real Estate		101,400		349,418		875,614		718,628		333,090		1,823,424		96,533		6,910		4,305,017
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Construction
Risk rating:
Pass		35,785		206,622		348,241		256,821		59,453		61,308		10,800		—		979,030
Special Mention		—		—		—		—		—		825		—		—		825
Other (1)		2,177		9,963		13,622		4,951		1,199		5,176		706		—		37,794
Total Construction		37,962		216,585		361,863		261,772		60,652		67,309		11,506		—		1,017,649
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Lease Financing
Risk rating:
Pass		105,719		107,492		72,986		16,419		25,908		90,013		—		—		418,537
Special Mention		—		47		113		338		12		—		—		—		510
Substandard		5,136		639		368		—		—		—		—		—		6,143
Total Lease Financing		110,855		108,178		73,467		16,757		25,920		90,013		—		—		425,190
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Total Commercial Lending	$	326,201	$	774,641	$	1,564,812	$	1,277,909	$	445,895	$	2,260,471	$	1,296,508	$	10,109	$	7,956,546
Current period gross charge-offs	$	—	$	216	$	319	$	61	$	52	$	938	$	—	$	—	$	1,586

(continued)

															Revolving
															Loans
															Converted
	Term Loans												Revolving		to Term
	Amortized Cost Basis by Origination Year												Loans		Loans
(continued)													Amortized		Amortized
(dollars in thousands)	2024		2023		2022		2021		2020		Prior		Cost Basis		Cost Basis		Total
Residential Lending
Residential Mortgage
FICO:
740 and greater	$	70,514	$	210,915	$	514,686	$	975,554	$	505,850	$	1,165,042	$	—	$	—	$	3,442,561
680 - 739		9,653		27,661		64,910		109,306		68,491		150,793		—		—		430,814
620 - 679		813		1,619		18,125		20,117		16,097		35,943		—		—		92,714
550 - 619		—		2,045		6,336		3,822		2,853		12,349		—		—		27,405
Less than 550		—		—		2,689		3,939		2,833		8,662		—		—		18,123
No Score (3)		544		8,300		18,472		10,601		5,804		54,420		—		—		98,141
Other (2)		7,384		13,003		16,802		15,582		11,331		30,245		12,311		—		106,658
Total Residential Mortgage		88,908		263,543		642,020		1,138,921		613,259		1,457,454		12,311		—		4,216,416
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Home Equity Line
FICO:
740 and greater		—		—		—		—		—		—		937,349		1,244		938,593
680 - 739		—		—		—		—		—		—		158,877		1,713		160,590
620 - 679		—		—		—		—		—		—		38,362		1,362		39,724
550 - 619		—		—		—		—		—		—		13,065		457		13,522
Less than 550		—		—		—		—		—		—		5,455		620		6,075
No Score (3)		—		—		—		—		—		—		1,329		—		1,329
Total Home Equity Line		—		—		—		—		—		—		1,154,437		5,396		1,159,833
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Total Residential Lending	$	88,908	$	263,543	$	642,020	$	1,138,921	$	613,259	$	1,457,454	$	1,166,748	$	5,396	$	5,376,249
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer Lending
FICO:
740 and greater		40,216		77,383		104,378		59,698		23,380		16,094		117,299		154		438,602
680 - 739		29,906		57,534		58,142		28,100		12,379		10,584		75,643		466		272,754
620 - 679		12,113		22,995		23,172		13,871		5,939		7,729		34,769		777		121,365
550 - 619		1,882		7,706		11,366		6,837		3,455		4,719		13,096		843		49,904
Less than 550		682		3,242		6,673		4,278		2,189		3,189		5,249		591		26,093
No Score (3)		1,730		457		135		—		9		22		40,193		216		42,762
Other (2)		—		—		330		936		324		1,008		73,026		—		75,624
Total Consumer Lending	$	86,529	$	169,317	$	204,196	$	113,720	$	47,675	$	43,345	$	359,275	$	3,047	$	1,027,104
Current period gross charge-offs	$	—	$	941	$	1,437	$	800	$	345	$	1,471	$	3,652	$	390	$	9,036
Total Loans and Leases	$	501,638	$	1,207,501	$	2,411,028	$	2,530,550	$	1,106,829	$	3,761,270	$	2,822,531	$	18,552	$	14,359,899
Current period gross charge-offs	$	—	$	1,157	$	1,756	$	861	$	397	$	2,409	$	3,652	$	390	$	10,622

(1) Other credit quality indicators used for monitoring purposes are primarily FICO scores. The majority of the loans in this population were originated to borrowers with a prime FICO score.

(2) Other credit quality indicators used for monitoring purposes are primarily internal risk ratings. The majority of the loans in this population were graded with a “Pass” rating.

(3) No FICO scores are primarily related to loans and leases extended to non-residents. Loans and leases of this nature are primarily secured by collateral and/or are closely monitored for performance.

The amortized cost basis by year of origination and credit quality indicator of the Company’s loans and leases as of December 31, 2023 was as follows:

															Revolving
															Loans
															Converted
	Term Loans												Revolving		to Term
	Amortized Cost Basis by Origination Year												Loans		Loans
													Amortized		Amortized
(dollars in thousands)	2023		2022		2021		2020		2019		Prior		Cost Basis		Cost Basis		Total
Commercial Lending
Commercial and Industrial
Risk rating:
Pass	$	85,839	$	273,663	$	346,024	$	32,753	$	146,893	$	141,681	$	971,065	$	1,823	$	1,999,741
Special Mention		1		44,069		80		653		1,032		1,290		22,807		14		69,946
Substandard		—		342		230		677		1,686		829		8,330		—		12,094
Other (1)		15,978		11,598		4,814		2,370		1,702		1,125		45,981		—		83,568
Total Commercial and Industrial		101,818		329,672		351,148		36,453		151,313		144,925		1,048,183		1,837		2,165,349
Current period gross charge-offs		130		70		75		87		168		2,952		—		—		3,482
Commercial Real Estate
Risk rating:
Pass		346,369		872,783		676,362		337,529		523,446		1,414,613		74,238		1,350		4,246,690
Special Mention		2,307		7,618		41,320		1,359		13,550		11,998		819		—		78,971
Substandard		205		5,079		2,003		—		2,953		2,545		1,655		—		14,440
Other (1)		—		—		—		—		—		142		—		—		142
Total Commercial Real Estate		348,881		885,480		719,685		338,888		539,949		1,429,298		76,712		1,350		4,340,243
Current period gross charge-offs		—		—		—		—		2,500		—		—		—		2,500
Construction
Risk rating:
Pass		156,432		269,623		265,674		60,057		63,018		27,847		6,070		—		848,721
Special Mention		—		—		—		—		189		665		—		—		854
Other (1)		12,728		21,036		8,250		2,143		2,031		3,820		709		—		50,717
Total Construction		169,160		290,659		273,924		62,200		65,238		32,332		6,779		—		900,292
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Lease Financing
Risk rating:
Pass		145,914		82,833		18,680		31,791		30,299		68,520		—		—		378,037
Special Mention		56		137		414		35		—		—		—		—		642
Substandard		712		416		—		—		2		—		—		—		1,130
Total Lease Financing		146,682		83,386		19,094		31,826		30,301		68,520		—		—		379,809
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Total Commercial Lending	$	766,541	$	1,589,197	$	1,363,851	$	469,367	$	786,801	$	1,675,075	$	1,131,674	$	3,187	$	7,785,693
Current period gross charge-offs	$	130	$	70	$	75	$	87	$	2,668	$	2,952	$	—	$	—	$	5,982

(continued)

															Revolving
															Loans
															Converted
	Term Loans												Revolving		to Term
	Amortized Cost Basis by Origination Year												Loans		Loans
(continued)													Amortized		Amortized
(dollars in thousands)	2023		2022		2021		2020		2019		Prior		Cost Basis		Cost Basis		Total
Residential Lending
Residential Mortgage
FICO:
740 and greater	$	211,598	$	529,296	$	999,522	$	529,881	$	227,058	$	987,251	$	—	$	—	$	3,484,606
680 - 739		36,975		67,205		117,337		68,122		33,148		130,387		—		—		453,174
620 - 679		3,544		16,395		19,184		12,811		4,096		38,987		—		—		95,017
550 - 619		1,305		6,521		1,917		2,492		398		11,679		—		—		24,312
Less than 550		—		—		2,909		2,017		582		6,439		—		—		11,947
No Score (3)		9,137		19,311		11,492		6,043		9,679		51,109		—		—		106,771
Other (2)		15,802		17,528		17,432		12,534		8,599		25,513		10,080		—		107,488
Total Residential Mortgage		278,361		656,256		1,169,793		633,900		283,560		1,251,365		10,080		—		4,283,315
Current period gross charge-offs		—		—		—		—		—		122		—		—		122
Home Equity Line
FICO:
740 and greater		—		—		—		—		—		—		964,932		1,511		966,443
680 - 739		—		—		—		—		—		—		151,716		1,920		153,636
620 - 679		—		—		—		—		—		—		36,541		1,189		37,730
550 - 619		—		—		—		—		—		—		9,896		1,012		10,908
Less than 550		—		—		—		—		—		—		4,488		100		4,588
No Score (3)		—		—		—		—		—		—		1,283		—		1,283
Total Home Equity Line		—		—		—		—		—		—		1,168,856		5,732		1,174,588
Current period gross charge-offs		—		—		—		—		—		—		273		19		292
Total Residential Lending	$	278,361	$	656,256	$	1,169,793	$	633,900	$	283,560	$	1,251,365	$	1,178,936	$	5,732	$	5,457,903
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	122	$	273	$	19	$	414
Consumer Lending
FICO:
740 and greater		92,117		128,358		76,148		33,507		21,819		8,970		123,592		155		484,666
680 - 739		68,865		71,031		37,925		17,116		13,270		5,690		76,645		401		290,943
620 - 679		28,533		29,229		16,919		7,843		7,972		4,624		35,210		781		131,111
550 - 619		4,996		10,859		7,760		4,917		4,651		2,986		13,223		925		50,317
Less than 550		1,790		6,370		4,842		2,796		2,905		2,040		5,222		455		26,420
No Score (3)		1,545		229		—		—		1		10		42,933		136		44,854
Other (2)		361		368		982		335		1,059		1		78,484		—		81,590
Total Consumer Lending	$	198,207	$	246,444	$	144,576	$	66,514	$	51,677	$	24,321	$	375,309	$	2,853	$	1,109,901
Current period gross charge-offs	$	639	$	2,400	$	2,135	$	1,142	$	1,816	$	2,622	$	5,790	$	566	$	17,110
Total Loans and Leases	$	1,243,109	$	2,491,897	$	2,678,220	$	1,169,781	$	1,122,038	$	2,950,761	$	2,685,919	$	11,772	$	14,353,497
Current period gross charge-offs	$	769	$	2,470	$	2,210	$	1,229	$	4,484	$	5,696	$	6,063	$	585	$	23,506

(1) Other credit quality indicators used for monitoring purposes are primarily FICO scores. The majority of the loans in this population were originated to borrowers with a prime FICO score.

(2) Other credit quality indicators used for monitoring purposes are primarily internal risk ratings. The majority of the loans in this population were graded with a “Pass” rating.

(3) No FICO scores are primarily related to loans and leases extended to non-residents. Loans and leases of this nature are primarily secured by collateral and/or are closely monitored for performance.

Schedule of aging analyses of past due loans and leases

	June 30, 2024
	Past Due												Loans and
					Greater								Leases Past
					Than or								Due 90 Days
	30-59		60-89		Equal to								or More and
	Days		Days		90 Days		Total				Total Loans		Still Accruing
(dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		and Leases		Interest
Commercial and industrial	$	1,647	$	193	$	1,194	$	3,034	$	2,205,656	$	2,208,690	$	110
Commercial real estate		—		—		3,085		3,085		4,301,932		4,305,017		—
Construction		375		—		447		822		1,016,827		1,017,649		—
Lease financing		—		—		—		—		425,190		425,190		—
Residential mortgage		14,812		4,166		6,887		25,865		4,190,551		4,216,416		1,820
Home equity line		2,316		1,172		3,093		6,581		1,153,252		1,159,833		—
Consumer		16,101		2,852		1,835		20,788		1,006,316		1,027,104		1,835
Total	$	35,251	$	8,383	$	16,541	$	60,175	$	14,299,724	$	14,359,899	$	3,765

	December 31, 2023
	Past Due												Loans and
					Greater								Leases Past
					Than or								Due 90 Days
	30-59		60-89		Equal to								or More and
	Days		Days		90 Days		Total				Total Loans		Still Accruing
(dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		and Leases		Interest
Commercial and industrial	$	2,611	$	349	$	1,464	$	4,424	$	2,160,925	$	2,165,349	$	494
Commercial real estate		—		196		300		496		4,339,747		4,340,243		300
Construction		25,191		—		—		25,191		875,101		900,292		—
Lease financing		—		—		—		—		379,809		379,809		—
Residential mortgage		5,244		1,475		4,720		11,439		4,271,876		4,283,315		—
Home equity line		5,940		624		3,550		10,114		1,164,474		1,174,588		—
Consumer		23,259		3,897		2,702		29,858		1,080,043		1,109,901		2,702
Total	$	62,245	$	6,541	$	12,736	$	81,522	$	14,271,975	$	14,353,497	$	3,496

Schedule of amortized cost basis of loans and leases on nonaccrual status

	June 30, 2024
	Nonaccrual
	Loans
	and Leases
	With No		Nonaccrual
	Allowance		Loans
(dollars in thousands)	for Credit Losses		and Leases
Commercial and industrial	$	—	$	1,084
Commercial real estate		—		3,085
Construction		—		447
Residential mortgage		3,285		7,273
Home equity line		1,150		6,124
Total Nonaccrual Loans and Leases	$	4,435	$	18,013

	December 31, 2023
	Nonaccrual
	Loans
	and Leases
	With No		Nonaccrual
	Allowance		Loans
(dollars in thousands)	for Credit Losses		and Leases
Commercial and industrial	$	—	$	970
Commercial real estate		2,685		2,953
Residential mortgage		2,667		7,620
Home equity line		1,163		7,052
Total Nonaccrual Loans and Leases	$	6,515	$	18,595

Schedule of loans modified to borrowers experiencing financial difficulty

	Interest Rate Reduction
		Three Months Ended				Six Months Ended
		June 30, 2024				June 30, 2024
		Amortized	% of Total Class			Amortized	% of Total Class
(dollars in thousands)		Cost Basis(1)	of Financing Receivable			Cost Basis(1)	of Financing Receivable
Consumer	$	473	0.05	%	$	1,043	0.10	%
Total	$	473	n/m	%	$	1,043	n/m	%

n/m – Represents less than 0.01% of total class of financing receivable.

(1) The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.

	Interest Rate Reduction
		Three Months Ended				Six Months Ended
		June 30, 2023				June 30, 2023
		Amortized	% of Total Class			Amortized	% of Total Class
(dollars in thousands)		Cost Basis(1)	of Financing Receivable			Cost Basis(1)	of Financing Receivable
Commercial real estate	$	—	—	%	$	2	n/m	%
Consumer		371	0.03			705	0.06
Total	$	371	n/m	%	$	707	n/m	%

n/m – Represents less than 0.01% of total class of financing receivable.

(1) The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.

	Term Extension
		Three Months Ended				Six Months Ended
		June 30, 2024				June 30, 2024
		Amortized	% of Total Class			Amortized	% of Total Class
(dollars in thousands)		Cost Basis(1)	of Financing Receivable			Cost Basis(1)	of Financing Receivable
Commercial and industrial	$	83	n/m	%	$	273	0.01	%
Commercial real estate		1,184	0.03			1,184	0.03
Residential mortgage		792	0.02			1,099	0.03
Consumer		15	n/m			129	0.01
Total	$	2,074	0.01	%	$	2,685	0.02	%

n/m – Represents less than 0.01% of total class of financing receivable.

(1) The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.

	Term Extension
		Three Months Ended				Six Months Ended
		June 30, 2023				June 30, 2023
		Amortized	% of Total Class			Amortized	% of Total Class
(dollars in thousands)		Cost Basis(1)	of Financing Receivable			Cost Basis(1)	of Financing Receivable
Commercial and industrial	$	87	n/m	%	$	109	n/m	%
Commercial real estate		1,227	0.03			1,227	0.03
Construction		—	—			230	0.03
Residential mortgage		—	—			33	n/m
Consumer		46	n/m			117	0.01
Total	$	1,360	0.01	%	$	1,716	0.01	%

n/m – Represents less than 0.01% of total class of financing receivable.

(1) The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.

	Other-Than-Insignificant Payment Delay
		Three Months Ended				Six Months Ended
		June 30, 2024				June 30, 2024
		Amortized	% of Total Class			Amortized	% of Total Class
(dollars in thousands)		Cost Basis(1)	of Financing Receivable			Cost Basis(1)	of Financing Receivable
Residential mortgage	$	—	—	%	$	1,226	0.03	%
Total	$	—	—	%	$	1,226	n/m	%

n/m – Represents less than 0.01% of total class of financing receivable.

(1) The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.

Schedule of financial effect of the modifications made to borrowers experiencing financial difficulty

	Interest Rate Reduction
	Financial Effect
	Three Months Ended June 30, 2024	Six Months Ended June 30, 2024
Consumer	Reduced weighted-average contractual interest rate by 13.61%.	Reduced weighted-average contractual interest rate by 13.57%.

	Interest Rate Reduction
	Financial Effect
	Three Months Ended June 30, 2023	Six Months Ended June 30, 2023
Commercial real estate	—	Reduced weighted-average contractual interest rate by 0.75%.
Consumer	Reduced weighted-average contractual interest rate by 12.98%.	Reduced weighted-average contractual interest rate by 13.23%.

	Term Extension
	Financial Effect
	Three Months Ended June 30, 2024	Six Months Ended June 30, 2024
Commercial and industrial	Added a weighted-average 4.9 years to the life of loans.	Added a weighted-average 4.1 years to the life of loans.
Commercial real estate	Added a weighted-average 1.0 years to the life of loans.	Added a weighted-average 1.0 years to the life of loans.
Residential mortgage	Added a weighted-average 0.7 years to the life of loans.	Added a weighted-average 0.8 years to the life of loans.
Consumer	Added a weighted-average 2.9 years to the life of loans.	Added a weighted-average 4.1 years to the life of loans.

	Term Extension
	Financial Effect
	Three Months Ended June 30, 2023	Six Months Ended June 30, 2023
Commercial and industrial	Added a weighted-average 3.6 years to the life of loans.	Added a weighted-average 3.5 years to the life of loans.
Commercial real estate	Added a weighted-average 1.0 years to the life of loans.	Added a weighted-average 1.0 years to the life of loans.
Construction	—	Added a weighted-average 2.9 years to the life of loans.
Residential mortgage	—	Added a weighted-average 5.9 years to the life of loans.
Consumer	Added a weighted-average 2.3 years to the life of loans.	Added a weighted-average 3.6 years to the life of loans.

	Other-Than-Insignificant Payment Delay
	Financial Effect
	Three Months Ended June 30, 2024	Six Months Ended June 30, 2024
Residential mortgage	—	Deferred an average of $172 thousand in loan payments.

Tabular disclosure of financing receivables to borrowers experiencing financial difficulty modified within the previous 12 months and for which there was a payment default

	Amortized Cost Basis of Modified Loans That Subsequently Defaulted(1)
	Three Months Ended June 30, 2024				Six Months Ended June 30, 2024
(dollars in thousands)	Interest Rate Reduction		Term Extension		Interest Rate Reduction		Term Extension
Commercial and industrial	$	—	$	74	$	—	$	74
Consumer	$	397	$	20	$	467	$	20
Total	$	397	$	94	$	467	$	94

(1) The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.

	Amortized Cost Basis of Modified Loans That Subsequently Defaulted(1)
	Three Months Ended June 30, 2023				Six Months Ended June 30, 2023
(dollars in thousands)	Interest Rate Reduction		Term Extension		Interest Rate Reduction		Term Extension
Consumer	$	87	$	—	$	88	$	—
Total	$	87	$	—	$	88	$	—

(1) The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.

Schedule of aging analyses of loans modified with a borrower experiencing financial difficulty

		June 30, 2024
		Past Due
						Greater Than
						or Equal to
		30-59 Days		60-89 Days		90 Days		Total
(dollars in thousands)		Past Due		Past Due		Past Due		Past Due		Current		Total
Commercial and industrial	$	—	$	—	$	—	$	—	$	435	$	435
Commercial real estate		—		—		—		—		2,685		2,685
Construction		—		—		—		—		653		653
Residential mortgage		—		—		—		—		2,326		2,326
Consumer		152		53		31		236		1,384		1,620
Total	$	152	$	53	$	31	$	236	$	7,483	$	7,719

		June 30, 2023
		Past Due
						Greater Than
						or Equal to
		30-59 Days		60-89 Days		90 Days		Total
(dollars in thousands)		Past Due		Past Due		Past Due		Past Due		Current		Total
Commercial and industrial	$	—	$	—	$	—	$	—	$	109	$	109
Commercial real estate		—		—		—		—		1,229		1,229
Construction		—		—		—		—		230		230
Residential mortgage		—		—		—		—		33		33
Consumer		34		—		33		67		755		822
Total	$	34	$	—	$	33	$	67	$	2,356	$	2,423