Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2024

Allowance for Credit Losses

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

	Three Months Ended September 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	$	14,713	$	44,412	$	9,331	$	2,352	$	46,152	$	9,183	$	34,374	$	160,517
Charge-offs		(1,178)		(400)		—		—		—		—		(4,192)		(5,770)
Recoveries		160		—		—		—		31		86		1,560		1,837
Provision		(470)		1		481		(62)		(3,287)		1,268		9,185		7,116
Balance at end of period	$	13,225	$	44,013	$	9,812	$	2,290	$	42,896	$	10,537	$	40,927	$	163,700

	Nine Months Ended September 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		(2,764)		(400)		—		—		—		—		(13,228)		(16,392)
Recoveries		621		—		—		—		89		242		5,199		6,151
Provision		412		469		(580)		536		5,927		(1,433)		12,077		17,408
Balance at end of period	$	13,225	$	44,013	$	9,812	$	2,290	$	42,896	$	10,537	$	40,927	$	163,700

	Three Months Ended September 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	$	13,810	$	39,887	$	9,871	$	1,447	$	32,803	$	11,806	$	38,957	$	148,581
Charge-offs		(784)		—		—		—		—		—		(3,665)		(4,449)
Recoveries		2,637		—		—		—		53		303		1,746		4,739
Provision		(1,963)		3,911		333		263		4,143		(682)		(81)		5,924
Balance at end of period	$	13,700	$	43,798	$	10,204	$	1,710	$	36,999	$	11,427	$	36,957	$	154,795

	Nine Months Ended September 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		(2,572)		—		—		—		(122)		(272)		(12,963)		(15,929)
Recoveries		3,175		—		—		—		110		539		5,640		9,464
Provision		(1,467)		(12)		4,361		159		1,836		2,864		9,619		17,360
Balance at end of period	$	13,700	$	43,798	$	10,204	$	1,710	$	36,999	$	11,427	$	36,957	$	154,795

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

	Three Months Ended September 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	$	7,947	$	1,435	$	7,122	$	—	$	8	$	16,879	$	22	$	33,413
Provision		104		(262)		643		—		14		(240)		25		284
Balance at end of period	$	8,051	$	1,173	$	7,765	$	—	$	22	$	16,639	$	47	$	33,697

	Nine Months Ended September 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		(1,065)		(614)		(283)		—		(2)		50		6		(1,908)
Balance at end of period	$	8,051	$	1,173	$	7,765	$	—	$	22	$	16,639	$	47	$	33,697

	Three Months Ended September 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	$	6,354	$	1,991	$	9,789	$	—	$	19	$	18,015	$	31	$	36,199
Provision		3,577		(129)		(382)		—		(6)		(1,475)		(9)		1,576
Balance at end of period	$	9,931	$	1,862	$	9,407	$	—	$	13	$	16,540	$	22	$	37,775

	Nine Months Ended September 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		2,120		(142)		1,937		—		(17)		57		(15)		3,940
Balance at end of period	$	9,931	$	1,862	$	9,407	$	—	$	13	$	16,540	$	22	$	37,775

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 September 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	$	100,174	$	82,175	$	191,861	$	256,997	$	20,866	$	266,720	$	1,026,457	$	13,396	$	1,958,646
Special Mention		303		1		7,327		48		398		1,371		18,239		—		27,687
Substandard		—		—		8,251		219		358		2,033		32,296		—		43,157
Other (1)		10,797		10,542		7,779		3,074		1,052		1,723		45,620		—		80,587
Total Commercial and Industrial		111,274		92,718		215,218		260,338		22,674		271,847		1,122,612		13,396		2,110,077
Current period gross charge-offs		—		578		333		89		221		1,543		—		—		2,764
Commercial Real Estate
Risk rating:
Pass		118,884		347,480		810,746		649,133		325,887		1,774,529		87,188		7,760		4,121,607
Special Mention		3,587		2,261		7,537		41,384		3,306		11,973		7,815		—		77,863
Substandard		—		—		54,984		1,003		—		9,548		149		—		65,684
Other (1)		—		—		—		—		—		135		—		—		135
Total Commercial Real Estate		122,471		349,741		873,267		691,520		329,193		1,796,185		95,152		7,760		4,265,289
Current period gross charge-offs		—		—		—		—		—		400		—		—		400
Construction
Risk rating:
Pass		61,677		246,176		361,974		241,212		58,820		46,344		4,484		—		1,020,687
Special Mention		—		—		—		—		—		164		—		—		164
Other (1)		4,970		9,468		12,022		3,575		1,199		3,463		701		—		35,398
Total Construction		66,647		255,644		373,996		244,787		60,019		49,971		5,185		—		1,056,249
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Lease Financing
Risk rating:
Pass		126,380		105,523		66,764		15,483		23,133		89,254		—		—		426,537
Special Mention		—		42		100		300		5		—		—		—		447
Substandard		4,899		602		343		—		—		—		—		—		5,844
Total Lease Financing		131,279		106,167		67,207		15,783		23,138		89,254		—		—		432,828
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Total Commercial Lending	$	431,671	$	804,270	$	1,529,688	$	1,212,428	$	435,024	$	2,207,257	$	1,222,949	$	21,156	$	7,864,443
Current period gross charge-offs	$	—	$	578	$	333	$	89	$	221	$	1,943	$	—	$	—	$	3,164

(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	$	113,307	$	206,224	$	504,141	$	956,983	$	503,160	$	1,129,857	$	—	$	—	$	3,413,672
680 - 739		11,614		28,638		65,128		109,018		66,719		157,263		—		—		438,380
620 - 679		1,519		1,792		22,921		19,854		11,651		37,979		—		—		95,716
550 - 619		—		896		3,703		6,707		2,269		15,751		—		—		29,326
Less than 550		—		286		2,380		3,818		2,959		5,569		—		—		15,012
No Score (3)		543		7,117		16,923		10,512		5,553		52,526		—		—		93,174
Other (2)		8,148		12,786		16,721		14,776		11,222		30,022		8,105		—		101,780
Total Residential Mortgage		135,131		257,739		631,917		1,121,668		603,533		1,428,967		8,105		—		4,187,060
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Home Equity Line
FICO:
740 and greater		—		—		—		—		—		—		930,909		1,730		932,639
680 - 739		—		—		—		—		—		—		167,097		1,137		168,234
620 - 679		—		—		—		—		—		—		36,540		985		37,525
550 - 619		—		—		—		—		—		—		14,514		581		15,095
Less than 550		—		—		—		—		—		—		4,477		571		5,048
No Score (3)		—		—		—		—		—		—		1,282		—		1,282
Total Home Equity Line		—		—		—		—		—		—		1,154,819		5,004		1,159,823
Current period gross charge-offs		—		—		—		—		—		—		—		—		—
Total Residential Lending	$	135,131	$	257,739	$	631,917	$	1,121,668	$	603,533	$	1,428,967	$	1,162,924	$	5,004	$	5,346,883
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer Lending
FICO:
740 and greater		71,777		71,423		94,710		51,952		18,512		10,435		121,278		128		440,215
680 - 739		51,651		51,667		49,864		23,959		9,995		7,497		77,278		525		272,436
620 - 679		21,223		20,604		21,700		12,515		5,155		5,577		35,665		851		123,290
550 - 619		4,116		7,348		9,802		5,983		2,862		3,862		12,674		825		47,472
Less than 550		1,071		3,266		6,247		3,999		1,783		2,492		4,836		525		24,219
No Score (3)		2,291		117		47		—		7		8		42,658		205		45,333
Other (2)		—		—		296		911		101		981		74,790		—		77,079
Total Consumer Lending	$	152,129	$	154,425	$	182,666	$	99,319	$	38,415	$	30,852	$	369,179	$	3,059	$	1,030,044
Current period gross charge-offs	$	385	$	1,403	$	2,107	$	1,085	$	518	$	2,234	$	4,952	$	544	$	13,228
Total Loans and Leases	$	718,931	$	1,216,434	$	2,344,271	$	2,433,415	$	1,076,972	$	3,667,076	$	2,755,052	$	29,219	$	14,241,370
Current period gross charge-offs	$	385	$	1,981	$	2,440	$	1,174	$	739	$	4,177	$	4,952	$	544	$	16,392

(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 (680 and above). As of September 30, 2024, the majority of the loans in this population were current.

(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. As of September 30, 2024, the majority of the loans in this population were current.

(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 (680 and above). As of December 31, 2023, the majority of the loans in this population were current.

(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. As of December 31, 2023, the majority of the loans in this population were current.

(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

	September 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	$	2,118	$	670	$	1,463	$	4,251	$	2,105,826	$	2,110,077	$	529
Commercial real estate		—		246		720		966		4,264,323		4,265,289		568
Construction		1,179		139		—		1,318		1,054,931		1,056,249		—
Lease financing		—		—		—		—		432,828		432,828		—
Residential mortgage		15,356		4,631		6,425		26,412		4,160,648		4,187,060		931
Home equity line		4,659		891		3,408		8,958		1,150,865		1,159,823		—
Consumer		15,227		2,939		2,515		20,681		1,009,363		1,030,044		2,515
Total	$	38,539	$	9,516	$	14,531	$	62,586	$	14,178,784	$	14,241,370	$	4,543

	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

	September 30, 2024
	Nonaccrual
	Loans
	and Leases
	With No		Nonaccrual
	Allowance		Loans
(dollars in thousands)	for Credit Losses		and Leases
Commercial and industrial	$	—	$	934
Commercial real estate		—		152
Residential mortgage		3,264		9,103
Home equity line		1,651		7,645
Total Nonaccrual Loans and Leases	$	4,915	$	17,834

	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				Nine Months Ended
		September 30, 2024				September 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	$	416	0.04	%	$	1,384	0.13	%
Total	$	416	n/m	%	$	1,384	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				Nine Months Ended
		September 30, 2023				September 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
Consumer	$	255	0.02	%	$	889	0.08	%
Total	$	255	n/m	%	$	889	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.

	Term Extension
		Three Months Ended				Nine Months Ended
		September 30, 2024				September 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	$	115	n/m	%	$	371	0.02	%
Commercial real estate		705	0.02			1,873	0.04
Residential mortgage		—	—			1,077	0.03
Consumer		90	n/m			213	0.02
Total	$	910	n/m	%	$	3,534	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				Nine Months Ended
		September 30, 2023				September 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	$	145	0.01	%	$	248	0.01	%
Commercial real estate		—	—			1,214	0.03
Construction		669	0.08			897	0.10
Residential mortgage		—	—			33	n/m
Consumer		17	n/m			130	0.01
Total	$	831	0.01	%	$	2,522	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.

	Other-Than-Insignificant Payment Delay
		Three Months Ended				Nine Months Ended
		September 30, 2024				September 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	$	—	—	%	$	1,062	0.03	%
Total	$	—	—	%	$	1,062	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 September 30, 2024	Nine Months Ended September 30, 2024
Consumer	Reduced weighted-average contractual interest rate by 13.41%.	Reduced weighted-average contractual interest rate by 13.53%.

	Interest Rate Reduction
	Financial Effect
	Three Months Ended September 30, 2023	Nine Months Ended September 30, 2023
Consumer	Reduced weighted-average contractual interest rate by 13.31%.	Reduced weighted-average contractual interest rate by 13.22%.

	Term Extension
	Financial Effect
	Three Months Ended September 30, 2024	Nine Months Ended September 30, 2024
Commercial and industrial	Added a weighted-average 5.0 years to the life of loans.	Added a weighted-average 4.3 years to the life of loans.
Commercial real estate	Added a weighted-average 0.4 years to the life of loans.	Added a weighted-average 0.8 years to the life of loans.
Residential mortgage	—	Added a weighted-average 0.8 years to the life of loans.
Consumer	Added a weighted-average 5.0 years to the life of loans.	Added a weighted-average 4.5 years to the life of loans.

	Term Extension
	Financial Effect
	Three Months Ended September 30, 2023	Nine Months Ended September 30, 2023
Commercial and industrial	Added a weighted-average 2.6 years to the life of loans.	Added a weighted-average 3.0 years to the life of loans.
Commercial real estate	—	Added a weighted-average 1.0 years to the life of loans.
Construction	Added a weighted-average 1.0 years to the life of loans.	Added a weighted-average 1.4 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 2.9 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 September 30, 2024	Nine Months Ended September 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 September 30, 2024				Nine Months Ended September 30, 2024
(dollars in thousands)	Interest Rate Reduction		Term Extension		Interest Rate Reduction		Term Extension
Commercial and industrial	$	—	$	122	$	—	$	122
Residential mortgage		—		323		—		323
Consumer		452		24		584		24
Total	$	452	$	469	$	584	$	469

(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 September 30, 2023				Nine Months Ended September 30, 2023
(dollars in thousands)	Interest Rate Reduction		Term Extension		Interest Rate Reduction		Term Extension
Consumer	$	166	$	—	$	186	$	—
Total	$	166	$	—	$	186	$	—

(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

		September 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	$	—	$	—	$	—	$	—	$	371	$	371
Commercial real estate		—		—		—		—		2,308		2,308
Residential mortgage		—		323		—		323		1,816		2,139
Consumer		141		102		79		322		1,544		1,866
Total	$	141	$	425	$	79	$	645	$	6,039	$	6,684

		September 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	$	—	$	—	$	—	$	—	$	248	$	248
Commercial real estate		—		—		—		—		1,214		1,214
Construction		—		—		—		—		897		897
Residential mortgage		—		—		—		—		33		33
Consumer		62		18		18		98		921		1,019
Total	$	62	$	18	$	18	$	98	$	3,313	$	3,411