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Loans (Tables)
 6 Months Ended
Jun. 30, 2022
Receivables [Abstract]  
Schedule of Loan Portfolio Segments and Classes The table below identifies the Company’s loan portfolio segments and classes.
Portfolio SegmentClass of Financing Receivable
CommercialOwner occupied real estate
Non-owner occupied real estate
Residential spec homes
Development & spec land
Commercial and industrial
Real estateResidential mortgage
Residential construction
Mortgage warehouseMortgage warehouse
ConsumerDirect installment
Indirect installment
Home equity
Schedule of Loans Outstanding by Portfolio Class
The following table presents total loans outstanding by portfolio class, as of June 30, 2022 and December 31, 2021:
June 30,
2022		December 31,
2021
Commercial
Owner occupied real estate$585,648 $560,887 
Non–owner occupied real estate1,159,808 1,088,470 
Residential spec homes11,320 9,907 
Development & spec land24,913 24,473 
Commercial and industrial582,302 530,208 
Total commercial2,363,991 2,213,945 
Real estate
Residential mortgage576,353 563,811 
Residential construction32,229 30,571 
Mortgage warehouse116,488 109,031 
Total real estate725,070 703,413 
Consumer
Direct installment59,833 63,714 
Indirect installment466,267 372,575 
Home equity322,649 290,970 
Total consumer848,749 727,259 
Total loans3,937,810 3,644,617 
Allowance for credit losses(52,350)(54,286)
Net loans$3,885,460 $3,590,331 
Schedule of Non-accrual, Loans Past Due Over 90 Days Still on Accrual, and Troubled Debt Restructured ("TDRs") by Class of Loans
The following table presents non–accrual loans, loans past due over 90 days still on accrual, and troubled debt restructurings (“TDRs”) by class of loans:

June 30, 2022
Non–accrualLoans Past
Due Over 90
Days Still
Accruing		Non–performing
TDRs		Performing
TDRs		Total
Non–performing
Loans		Non–performing
with no Allowance for Credit Losses
Commercial
Owner occupied real estate$4,229 $— $— $568 $4,797 $2,557 
Non–owner occupied real estate619 — — 277 896 896 
Residential spec homes101 — — — 101 101 
Development & spec land815 — — — 815 65 
Commercial and industrial1,399 — — — 1,399 859 
Total commercial7,163 — — 845 8,008 4,478 
Real estate
Residential mortgage6,113 — 998 1,358 8,469 8,469 
Residential construction— — — — — — 
Mortgage warehouse— — — — — — 
Total real estate6,113 — 998 1,358 8,469 8,469 
Consumer
Direct installment132 — — — 132 132 
Indirect installment479 210 — — 689 689 
Home equity2,229 — 347 332 2,908 2,908 
Total consumer2,840 210 347 332 3,729 3,729 
Total$16,116 $210 $1,345 $2,535 $20,206 $16,676 
December 31, 2021
Non–accrualLoans Past
Due Over 90
Days Still
Accruing		Non–performing
TDRs		Performing
TDRs		Total
Non–performing
Loans		Non–performing
with no Allowance for Credit Losses
Commercial
Owner occupied real estate$4,247 $— $— $603 $4,850 $2,796 
Non–owner occupied real estate761 — 285 — 1,046 1,046 
Residential spec homes— — — — — — 
Development & spec land919 — — — 919 919 
Commercial and industrial694 — — — 694 456 
Total commercial6,621 — 285 603 7,509 5,217 
Real estate
Residential mortgage5,626 66 892 1,421 8,005 8,005 
Residential construction— — — — — — 
Mortgage warehouse— — — — — — 
Total real estate5,626 66 892 1,421 8,005 8,005 
Consumer
Direct installment7 — — — 7 7 
Indirect installment538 15 — — 553 553 
Home equity2,170 64 344 367 2,945 2,945 
Total consumer2,715 79 344 367 3,505 3,505 
Total$14,962 $145 $1,521 $2,391 $19,019 $16,727 
Schedule of Payment Status by Class of Loan
The following table presents the payment status by class of loan, excluding non–accrual loans of $16.1 million and non–performing TDRs of $1.3 million at June 30, 2022:
June 30, 2022
Current30–59 Days
Past Due		60–89 Days
Past Due		90 Days or
Greater
Past Due		Total 
Past Due
Loans		Total
Loans
Commercial
Owner occupied real estate$580,910 $480 $29 $— $509 $581,419 
Non–owner occupied real estate1,159,079 110 — — 110 1,159,189 
Residential spec homes11,219 — — — — 11,219 
Development & spec land24,085 — 13 — 13 24,098 
Commercial and industrial580,465 280 158 — 438 580,903 
Total commercial2,355,758 870 200 — 1,070 2,356,828 
Real estate
Residential mortgage567,058 1,866 318 — 2,184 569,242 
Residential construction32,229 — — — — 32,229 
Mortgage warehouse116,488 — — — — 116,488 
Total real estate715,775 1,866 318 — 2,184 717,959 
Consumer
Direct installment59,585 113 3 — 116 59,701 
Indirect installment463,474 1,586 518 210 2,314 465,788 
Home equity318,808 761 504 — 1,265 320,073 
Total consumer841,867 2,460 1,025 210 3,695 845,562 
Total$3,913,400 $5,196 $1,543 $210 $6,949 $3,920,349 
The following table presents the payment status by class of loan, excluding non–accrual loans of $15.0 million and non–performing TDRs of $1.5 million at December 31, 2021:
December 31, 2021
Current30–59 Days
Past Due		60–89 Days
Past Due		90 Days or
Greater
Past Due		Total 
Past Due
Loans		Total
Commercial
Owner occupied real estate$555,851 $789 $— $— $789 $556,640 
Non–owner occupied real estate1,085,716 1,708 — — 1,708 1,087,424 
Residential spec homes9,907 — — — — 9,907 
Development & spec land23,496 58 — — 58 23,554 
Commercial and industrial528,461 974 79 — 1,053 529,514 
Total commercial2,203,431 3,529 79 — 3,608 2,207,039 
Real estate
Residential mortgage556,128 834 265 66 1,165 557,293 
Residential construction30,571 — — — — 30,571 
Mortgage warehouse109,031 — — — — 109,031 
Total real estate695,730 834 265 66 1,165 696,895 
Consumer
Direct installment63,295 409 3 — 412 63,707 
Indirect installment369,615 2,271 136 15 2,422 372,037 
Home equity287,382 849 161 64 1,074 288,456 
Total consumer720,292 3,529 300 79 3,908 724,200 
Total$3,619,453 $7,892 $644 $145 $8,681 $3,628,134 
Schedule of TDRs by Loan Portfolio
The following table presents TDRs by class of loan:
June 30, 2022December 31, 2021
Non–accrualAccruingTotalNon–accrualAccruingTotal
Commercial
Owner occupied real estate$— $568 $568 $— $603 $603 
Non–owner occupied real estate— 277 277 285 — 285 
Residential spec homes— — — — — — 
Development & spec land— — — — — — 
Commercial and industrial— — — — — — 
Total commercial— 845 845 285 603 888 
Real estate
Residential mortgage998 1,358 2,356 892 1,421 2,313 
Residential construction— — — — — — 
Mortgage warehouse— — — — — — 
Total real estate998 1,358 2,356 892 1,421 2,313 
Consumer
Direct installment— — — — — — 
Indirect installment— — — — — — 
Home equity347 332 679 344 367 711 
Total consumer347 332 679 344 367 711 
Total$1,345 $2,535 $3,880 $1,521 $2,391 $3,912 
Schedule of Allowance for Credit Loss Allocated for Collateral Dependent Loans
The table below presents the amortized cost basis and allowance for credit losses (“ACL”) allocated for collateral dependent loans in accordance with ASC 326, which are individually evaluated to determine expected credit losses.
June 30, 2022
Real EstateAccounts Receivable/EquipmentOtherTotalACL
Allocation
Commercial
Owner occupied real estate$4,863 $510 $— $5,373 $751 
Non–owner occupied real estate2,630 — — 2,630 — 
Residential spec homes101 — — 101 — 
Development & spec land815 — — 815 72 
Commercial and industrial536 1,045 10 1,591 242 
Total commercial8,945 1,555 10 10,510 1,065 
Total collateral dependent loans$8,945 $1,555 $10 $10,510 $1,065 
December 31, 2021
Real EstateAccounts Receivable/EquipmentOtherTotalACL
Allocation
Commercial
Owner occupied real estate$11,201 $103 $— $11,304 $632 
Non–owner occupied real estate2,068 — — 2,068 — 
Residential spec homes— — — — — 
Development & spec land919 — — 919 — 
Commercial and industrial427 1,218 — 1,645 128 
Total commercial14,615 1,321 — 15,936 760 
Total collateral dependent loans$14,615 $1,321 $— $15,936 $760 
Schedule of Loans by Credit Grades
The following tables present loans by credit grades and origination year at June 30, 2022.
June 30, 202220222021202020192018PriorRevolving LoansTotal
Commercial
Owner occupied real estate
Pass$59,036 $83,995 $53,337 $51,638 $42,377 $196,669 $58,971 $546,023 
Special Mention— 6,775 — 2,130 599 6,908 — 16,412 
Substandard500 257 993 1,010 3,126 11,436 5,891 23,213 
Doubtful— — — — — — — — 
Total owner occupied real estate$59,536 $91,027 $54,330 $54,778 $46,102 $215,013 $64,862 $585,648 
Non–owner occupied real estate
Pass$119,235 $178,883 $127,999 $114,899 $54,785 $328,530 $168,576 $1,092,907 
Special Mention— — 271 6,847 39,724 9,206 4,071 60,119 
Substandard— 709 — — 3,575 2,498 — 6,782 
Doubtful— — — — — — — — 
Total non–owner occupied real estate$119,235 $179,592 $128,270 $121,746 $98,084 $340,234 $172,647 $1,159,808 
Residential spec homes
Pass$305 $3,519 $66 $— $— $2,087 $5,242 $11,219 
Special Mention— — — — — — — — 
Substandard— — — — — — 101 101 
Doubtful— — — — — — — — 
Total residential spec homes$305 $3,519 $66 $— $— $2,087 $5,343 $11,320 
Development & spec land
Pass$369 $1,459 $477 $408 $8 $11,852 $9,236 $23,809 
Special Mention— — — — — 161 — 161 
Substandard— — — — — 195 748 943 
Doubtful— — — — — — — — 
Total development & spec land$369 $1,459 $477 $408 $8 $12,208 $9,984 $24,913 
Commercial & industrial
Pass$103,523 $153,070 $38,644 $36,734 $43,168 $119,929 $48,587 $543,655 
Special Mention263 2,526 30 1,321 10,558 6,009 1,800 22,507 
Substandard90 529 3,024 1,472 3,763 4,637 2,625 16,140 
Doubtful— — — — — — — — 
Total commercial & industrial$103,876 $156,125 $41,698 $39,527 $57,489 $130,575 $53,012 $582,302 
Total commercial$283,321 $431,722 $224,841 $216,459 $201,683 $700,117 $305,848 $2,363,991 
June 30, 202220222021202020192018PriorRevolving LoansTotal
Real estate
Residential mortgage
Performing$53,519 $140,003 $98,753 $35,766 $39,693 $199,933 $217 $567,884 
Non–performing— 132 366 552 947 6,472 — 8,469 
Total residential mortgage$53,519 $140,135 $99,119 $36,318 $40,640 $206,405 $217 $576,353 
Residential construction
Performing$4 $— $— $— $— $— $32,225 $32,229 
Non–performing— — — — — — — — 
Total residential construction$4 $— $— $— $— $— $32,225 $32,229 
Mortgage warehouse
Performing$— $— $— $— $— $— $116,488 $116,488 
Non–performing— — — — — — — — 
Total mortgage warehouse$— $— $— $— $— $— $116,488 $116,488 
Total real estate$53,523 $140,135 $99,119 $36,318 $40,640 $206,405 $148,930 $725,070 
June 30, 202220222021202020192018PriorRevolving LoansTotal
Consumer
Direct installment
Performing$13,448 $15,123 $9,099 $9,923 $5,117 $6,983 $8 $59,701 
Non–performing— 39 — 39 — 54 — 132 
Total direct installment$13,448 $15,162 $9,099 $9,962 $5,117 $7,037 $8 $59,833 
Indirect installment
Performing$171,661 $136,528 $72,333 $44,473 $27,624 $12,959 $— $465,578 
Non–performing— 129 138 232 76 114 — 689 
Total indirect installment$171,661 $136,657 $72,471 $44,705 $27,700 $13,073 $— $466,267 
Home equity
Performing$57,170 $82,698 $46,638 $30,724 $23,593 $72,350 $6,568 $319,741 
Non–performing19 8 105 132 33 1,295 1,316 2,908 
Total home equity$57,189 $82,706 $46,743 $30,856 $23,626 $73,645 $7,884 $322,649 
Total consumer$242,298 $234,525 $128,313 $85,523 $56,443 $93,755 $7,892 $848,749 
The following tables present loans by credit grades and origination year at December 31, 2021.
December 31, 202120212020201920182017PriorRevolving LoansTotal
Commercial
Owner occupied real estate
Pass$86,798 $58,789 $61,134 $43,903 $46,530 $159,351 $60,539 $517,044 
Special Mention— 72 2,685 3,194 7,279 11,451 1,345 26,026 
Substandard— 1,003 1,312 3,192 1,957 9,579 774 17,817 
Doubtful— — — — — — — — 
Total owner occupied real estate$86,798 $59,864 $65,131 $50,289 $55,766 $180,381 $62,658 $560,887 
Non–owner occupied real estate
Pass$175,538 $108,465 $120,561 $59,596 $126,334 $260,362 $178,928 $1,029,784 
Special Mention— 839 1,192 34,412 999 3,850 515 41,807 
Substandard720 — 6,045 1,096 425 7,793 800 16,879 
Doubtful— — — — — — — — 
Total non–owner occupied real estate$176,258 $109,304 $127,798 $95,104 $127,758 $272,005 $180,243 $1,088,470 
Residential spec homes
Pass$1,115 $254 $155 $— $— $1,346 $7,037 $9,907 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total residential spec homes$1,115 $254 $155 $— $— $1,346 $7,037 $9,907 
Development & spec land
Pass$2,282 $536 $503 $11 $3,583 $8,496 $7,837 $23,248 
Special Mention— — — — — 177 — 177 
Substandard— — — — 11 289 748 1,048 
Doubtful— — — — — — — — 
Total development & spec land$2,282 $536 $503 $11 $3,594 $8,962 $8,585 $24,473 
Commercial & industrial
Pass$198,482 $48,245 $43,003 $47,986 $64,292 $69,589 $23,647 $495,244 
Special Mention592 3,278 2,090 4,588 3,781 7,427 3,295 25,051 
Substandard111 143 1,211 3,936 1,313 1,847 1,352 9,913 
Doubtful— — — — — — — — 
Total commercial & industrial$199,185 $51,666 $46,304 $56,510 $69,386 $78,863 $28,294 $530,208 
Total commercial$465,638 $221,624 $239,891 $201,914 $256,504 $541,557 $286,817 $2,213,945 
December 31, 202120212020201920182017PriorRevolving LoansTotal
Real estate
Residential mortgage
Performing$116,118 $105,051 $44,691 $50,778 $56,330 $182,838 $— $555,806 
Non–performing— 78 448 854 66 6,559 — 8,005 
Total residential mortgage$116,118 $105,129 $45,139 $51,632 $56,396 $189,397 $— $563,811 
Residential construction
Performing$— $— $— $— $— $— $30,571 $30,571 
Non–performing— — — — — — — — 
Total residential construction$— $— $— $— $— $— $30,571 $30,571 
Mortgage warehouse
Performing$— $— $— $— $— $— $109,031 $109,031 
Non–performing— — — — — — — — 
Total mortgage warehouse$— $— $— $— $— $— $109,031 $109,031 
Total real estate$116,118 $105,129 $45,139 $51,632 $56,396 $189,397 $139,602 $703,413 
December 31, 202120212020201920182017PriorRevolving LoansTotal
Consumer
Direct installment
Performing$18,826 $12,756 $13,390 $7,027 $6,036 $5,577 $95 $63,707 
Non–performing— — — — 1 6 — 7 
Total direct installment$18,826 $12,756 $13,390 $7,027 $6,037 $5,583 $95 $63,714 
Indirect installment
Performing$160,194 $91,416 $58,907 $39,956 $17,014 $4,535 $— $372,022 
Non–performing46 93 162 92 88 72 — 553 
Total indirect installment$160,240 $91,509 $59,069 $40,048 $17,102 $4,607 $— $372,575 
Home equity
Performing$80,389 $51,856 $34,603 $26,924 $22,495 $65,059 $6,699 $288,025 
Non–performing9 114 37 90 166 1,321 1,208 2,945 
Total home equity$80,398 $51,970 $34,640 $27,014 $22,661 $66,380 $7,907 $290,970 
Total consumer$259,464 $156,235 $107,099 $74,089 $45,800 $76,570 $8,002 $727,259