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Loans (Tables)
 9 Months Ended
Sep. 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 September 30, 2022 and December 31, 2021:
September 30,
2022		December 31,
2021
Commercial
Owner occupied real estate$587,075 $560,887 
Non–owner occupied real estate1,194,898 1,088,470 
Residential spec homes10,708 9,907 
Development & spec land23,679 24,473 
Commercial and industrial587,383 530,208 
Total commercial2,403,743 2,213,945 
Real estate
Residential mortgage598,250 563,811 
Residential construction36,651 30,571 
Mortgage warehouse73,690 109,031 
Total real estate708,591 703,413 
Consumer
Direct installment58,673 63,714 
Indirect installment499,080 372,575 
Home equity342,128 290,970 
Total consumer899,881 727,259 
Total loans4,012,215 3,644,617 
Allowance for credit losses(51,369)(54,286)
Net loans$3,960,846 $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:

September 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$4,145 $— $— $568 $4,713 $4,527 
Non–owner occupied real estate607 — — 273 880 880 
Residential spec homes101 — — — 101 101 
Development & spec land815 — — — 815 65 
Commercial and industrial690 — — — 690 333 
Total commercial6,358 — — 841 7,199 5,906 
Real estate
Residential mortgage5,331 52 1,305 1,359 8,047 8,047 
Residential construction— — — — — — 
Mortgage warehouse— — — — — — 
Total real estate5,331 52 1,305 1,359 8,047 8,047 
Consumer
Direct installment148 — — — 148 148 
Indirect installment564 57 — — 621 621 
Home equity2,370 84 360 329 3,143 3,143 
Total consumer3,082 141 360 329 3,912 3,912 
Total$14,771 $193 $1,665 $2,529 $19,158 $17,865 
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 $14.8 million and non–performing TDRs of $1.7 million at September 30, 2022:
September 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$582,469 $402 $59 $— $461 $582,930 
Non–owner occupied real estate1,194,183 108 — — 108 1,194,291 
Residential spec homes10,607 — — — — 10,607 
Development & spec land22,864 — — — — 22,864 
Commercial and industrial586,478 156 59 — 215 586,693 
Total commercial2,396,601 666 118 — 784 2,397,385 
Real estate
Residential mortgage590,223 456 883 52 1,391 591,614 
Residential construction36,651 — — — — 36,651 
Mortgage warehouse73,690 — — — — 73,690 
Total real estate700,564 456 883 52 1,391 701,955 
Consumer
Direct installment58,427 65 33 — 98 58,525 
Indirect installment495,537 2,610 312 57 2,979 498,516 
Home equity337,487 1,713 114 84 1,911 339,398 
Total consumer891,451 4,388 459 141 4,988 896,439 
Total$3,988,616 $5,510 $1,460 $193 $7,163 $3,995,779 
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 $3,628,134 
Schedule of TDRs by Loan Portfolio
The following table presents TDRs by class of loan:
September 30, 2022December 31, 2021
Non–accrualAccruingTotalNon–accrualAccruingTotal
Commercial
Owner occupied real estate$— $568 $568 $— $603 $603 
Non–owner occupied real estate— 273 273 285 — 285 
Residential spec homes— — — — — — 
Development & spec land— — — — — — 
Commercial and industrial— — — — — — 
Total commercial— 841 841 285 603 888 
Real estate
Residential mortgage1,305 1,359 2,664 892 1,421 2,313 
Residential construction— — — — — — 
Mortgage warehouse— — — — — — 
Total real estate1,305 1,359 2,664 892 1,421 2,313 
Consumer
Direct installment— — — — — — 
Indirect installment— — — — — — 
Home equity360 329 689 344 367 711 
Total consumer360 329 689 344 367 711 
Total$1,665 $2,529 $4,194 $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.
September 30, 2022
Real EstateAccounts Receivable/EquipmentOtherTotalACL
Allocation
Commercial
Owner occupied real estate$4,806 $508 $— $5,314 $215 
Non–owner occupied real estate2,613 — — 2,613 — 
Residential spec homes101 — — 101 — 
Development & spec land815 — — 815 55 
Commercial and industrial224 862 31 1,117 235 
Total commercial8,559 1,370 31 9,960 505 
Total collateral dependent loans$8,559 $1,370 $31 $9,960 $505 
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 September 30, 2022.
September 30, 202220222021202020192018PriorRevolving LoansTotal
Commercial
Owner occupied real estate
Pass$80,017 $83,784 $52,008 $49,284 $39,449 $174,687 $73,017 $552,246 
Special Mention— 6,722 — 1,922 596 3,464 — 12,704 
Substandard500 255 988 1,008 3,094 10,373 5,907 22,125 
Doubtful— — — — — — — — 
Total owner occupied real estate$80,517 $90,761 $52,996 $52,214 $43,139 $188,524 $78,924 $587,075 
Non–owner occupied real estate
Pass$173,753 $176,098 $129,192 $103,011 $55,666 $315,357 $176,622 $1,129,699 
Special Mention798 — 268 6,788 39,530 7,130 4,026 58,540 
Substandard— 703 — — 3,564 2,392 — 6,659 
Doubtful— — — — — — — — 
Total non–owner occupied real estate$174,551 $176,801 $129,460 $109,799 $98,760 $324,879 $180,648 $1,194,898 
Residential spec homes
Pass$334 $3,725 $251 $— $— $1,784 $4,514 $10,608 
Special Mention— — — — — — — — 
Substandard— — — — — — 100 100 
Doubtful— — — — — — — — 
Total residential spec homes$334 $3,725 $251 $— $— $1,784 $4,614 $10,708 
Development & spec land
Pass$363 $1,421 $493 $275 $6 $9,948 $10,092 $22,598 
Special Mention— — — — — 153 — 153 
Substandard— — — — — 180 748 928 
Doubtful— — — — — — — — 
Total development & spec land$363 $1,421 $493 $275 $6 $10,281 $10,840 $23,679 
Commercial & industrial
Pass$128,945 $142,316 $36,543 $35,630 $53,819 $121,021 $46,813 $565,087 
Special Mention184 440 44 854 1,012 3,167 434 6,135 
Substandard89 2,568 2,701 517 3,113 4,813 2,360 16,161 
Doubtful— — — — — — — — 
Total commercial & industrial$129,218 $145,324 $39,288 $37,001 $57,944 $129,001 $49,607 $587,383 
Total commercial$384,983 $418,032 $222,488 $199,289 $199,849 $654,469 $324,633 $2,403,743 
September 30, 202220222021202020192018PriorRevolving LoansTotal
Real estate
Residential mortgage
Performing$85,899 $151,237 $94,838 $34,339 $37,898 $185,992 $— $590,203 
Non–performing— 132 286 626 633 6,370 — 8,047 
Total residential mortgage$85,899 $151,369 $95,124 $34,965 $38,531 $192,362 $— $598,250 
Residential construction
Performing$8 $— $— $— $— $— $36,643 $36,651 
Non–performing— — — — — — — — 
Total residential construction$8 $— $— $— $— $— $36,643 $36,651 
Mortgage warehouse
Performing$— $— $— $— $— $— $73,690 $73,690 
Non–performing— — — — — — — — 
Total mortgage warehouse$— $— $— $— $— $— $73,690 $73,690 
Total real estate$85,907 $151,369 $95,124 $34,965 $38,531 $192,362 $110,333 $708,591 
September 30, 202220222021202020192018PriorRevolving LoansTotal
Consumer
Direct installment
Performing$17,674 $13,804 $8,024 $8,632 $4,563 $5,816 $12 $58,525 
Non–performing— 38 — 56 — 54 — 148 
Total direct installment$17,674 $13,842 $8,024 $8,688 $4,563 $5,870 $12 $58,673 
Indirect installment
Performing$238,812 $124,338 $64,265 $38,635 $22,666 $9,743 $— $498,459 
Non–performing22 100 99 181 113 106 — 621 
Total indirect installment$238,834 $124,438 $64,364 $38,816 $22,779 $9,849 $— $499,080 
Home equity
Performing$89,484 $80,222 $43,032 $28,233 $23,127 $68,301 $6,586 $338,985 
Non–performing19 16 105 160 154 1,132 1,557 3,143 
Total home equity$89,503 $80,238 $43,137 $28,393 $23,281 $69,433 $8,143 $342,128 
Total consumer$346,011 $218,518 $115,525 $75,897 $50,623 $85,152 $8,155 $899,881 
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