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Allowance for Credit and Loan Losses (Tables)
 9 Months Ended
Sep. 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 nine months ended September 30, 2025 and 2024:
Three Months Ended September 30, 2025
CommercialReal EstateMortgage WarehouseConsumerTotal
Balance, beginning of period$34,413 $3,229 $— $16,757 $54,399 
Credit loss expense (recovery)271 (127)— (3,534)(3,390)
Charge-offs(319)(415)— (1,008)(1,742)
Recoveries25 395 — 491 911 
Balance, end of period$34,390 $3,082 $— $12,706 $50,178 

Three Months Ended September 30, 2024
CommercialReal EstateMortgage WarehouseConsumerTotal
Balance, beginning of period$31,941 $2,588 $736 $16,950 $52,215 
Credit loss expense (recovery)861 78 126 (21)1,044 
Charge-offs(38)(2)— (731)(771)
Recoveries90 11 — 292 393 
Balance, end of period$32,854 $2,675 $862 $16,490 $52,881 

Nine Months Ended September 30, 2025
CommercialReal EstateMortgage WarehouseConsumerTotal
Balance, beginning of period$30,953 $2,715 $— $18,312 $51,980 
Provision for credit losses on loans3,768 393 — (4,009)152 
Charge-offs(471)(843)— (3,341)(4,655)
Recoveries140 817 — 1,744 2,701 
Balance, end of period$34,390 $3,082 $— $12,706 $50,178 

Nine Months Ended September 30, 2024
CommercialReal EstateMortgage WarehouseConsumerTotal
Balance, beginning of period$29,736 $2,503 $481 $17,309 $50,029 
Provision for credit losses on loans2,951 154 381 642 4,128 
Charge-offs(149)(5)— (2,295)(2,449)
Recoveries316 23 — 834 1,173 
Balance, end of period$32,854 $2,675 $862 $16,490 $52,881 
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
September 30, 2025September 30, 2024
Balance, beginning of periodCredit loss expense (reversal)Ending balanceBalance, beginning of periodCredit loss expense (reversal)Ending balance
Commercial$1,545 $(5)$1,540 $— $— $— 
Real Estate98 (2)96 41 — 41 
Mortgage Warehouse— — — — — — 
Consumer669 (34)635 664 — 664 
Total$2,312 $(41)$2,271 $705 $— $705 

Nine Months Ended
September 30, 2025September 30, 2024
Balance, beginning of periodCredit loss expense (reversal)Ending balanceBalance, beginning of periodCredit loss expense (reversal)Ending balance
Commercial$1,385 155 1,540 $— — — 
Real Estate61 35 96 64 (23)41 
Mortgage Warehouse— — — — — — 
Consumer703 (68)635 551 113 664 
Total$2,149 $122 $2,271 $615 $90 $705 
The following table represents the commitments to extend credit and standby letters of credit as of September 30, 2025 and December 31, 2024, respectively:
September 30, 2025December 31, 2024
Commitments to extend credit$1,165,657 $1,018,302 
Standby letters of credit21,699 23,457 
Total$1,187,356 $1,041,759