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Allowance for Credit and Loan Losses (Tables)
 6 Months Ended
Jun. 30, 2025
Receivables [Abstract]  
Schedule of Allowance for Loan Losses
The following tables represent, by loan portfolio segment, a summary of changes in the ACL on loans for the three and six months ended June 30, 2025 and 2024:

Three Months Ended June 30, 2025
CommercialReal EstateMortgage WarehouseConsumerTotal
Balance, beginning of period$32,640 $3,167 $— $16,847 $52,654 
Credit loss expense (recovery)1,857 114 — 28 1,999 
Charge-offs(144)(425)— (879)(1,448)
Recoveries60 373 — 761 1,194 
Balance, end of period$34,413 $3,229 $— $16,757 $54,399 

Three Months Ended June 30, 2024
CommercialReal EstateMortgage WarehouseConsumerTotal
Balance, beginning of period$30,514 $2,655 $659 $16,559 $50,387 
Credit loss expense (recovery)1,484 (71)77 925 2,415 
Charge-offs(111)(1)— (741)(853)
Recoveries54 5 — 207 266 
Balance, end of period$31,941 $2,588 $736 $16,950 $52,215 

Six Months Ended June 30, 2025
CommercialReal EstateMortgage WarehouseConsumerTotal
Balance, beginning of period$30,953 $2,715 $— $18,312 $51,980 
Provision for credit losses on loans3,497 519 — (474)3,542 
Charge-offs(152)(427)— (2,332)(2,911)
Recoveries115 422 — 1,251 1,788 
Balance, end of period$34,413 $3,229 $— $16,757 $54,399 

Six Months Ended June 30, 2024
CommercialReal EstateMortgage WarehouseConsumerTotal
Balance, beginning of period$29,736 $2,503 $481 $17,309 $50,029 
Provision for credit losses on loans2,090 76 255 663 3,084 
Charge-offs3 (2)— (1,564)(1,563)
Recoveries112 11 — 542 665 
Balance, end of period$31,941 $2,588 $736 $16,950 $52,215 
Financial Instruments with Off-Balance Sheet Risk
The following tables represent, by loan portfolio segment, a summary of changes in the activity in the liability for commitments to extend credit and standby letters of credit (please see note 14):
Three Months Ended
June 30, 202545382June 30, 2024
Balance, beginning of periodCredit loss expense (reversal)Ending balanceBalance, beginning of periodCredit loss expense (reversal)Ending balance
Commercial$1,132 $411 $1,543 $— $— $— 
Real Estate72 27 99 46 (5)41 
Mortgage Warehouse— — — — — — 
Consumer796 (127)669 704 (40)664 
Total$2,000 $311 $2,311 $750 $(45)$705 
Six Months Ended
June 30, 2025June 30, 2024
Balance, beginning of periodCredit loss expense (reversal)Ending balanceBalance, beginning of periodCredit loss expense (reversal)Ending balance
Commercial$1,385 158 1,543 $— — — 
Real Estate61 38 99 64 (23)41 
Mortgage Warehouse— — — — — — 
Consumer703 (34)669 551 113 664 
Total$2,149 $162 $2,311 $615 $90 $705 
The following table represents the commitments to extend credit and standby letters of credit as of June 30, 2025 and December 31, 2024, respectively:
June 30, 2025December 31, 2024
Commitments to extend credit$1,069,729 $1,018,302 
Standby letters of credit26,286 23,457 
Total$1,096,015 $1,041,759