Loans (Tables)

12 Months Ended

Dec. 31, 2023

Receivables [Abstract]

Schedule Of Composition of Net Loans

The composition of Net loans at December 31, by regulatory call report code segmentation based on underlying collateral or purpose for certain loan types, was as follows:

	2023		2022
	(Dollars in thousands)
Residential real estate
Non-revolving residential real estate	$	397,409	$	335,470
Revolving residential real estate	18,902		16,963
Construction real estate
Commercial construction real estate	36,973		56,501
Residential construction real estate	51,662		40,119
Commercial real estate
Non-residential commercial real estate	298,148		282,397
Multi-family residential real estate	105,344		95,550
Commercial	40,448		40,973
Consumer	2,589		2,204
Municipal	76,795		87,980
Gross loans	1,028,270		958,157
ACL on loans	(6,566)		(8,339)
Net deferred loan costs	1,752		1,336
Net loans	$	1,023,456	$	951,154

The following table presents collateral dependent loans to borrowers experiencing financial difficulty by loan class and collateral type as of the balance sheet dates:

	December 31, 2023		December 31, 2022
	Real Estate		Real Estate
	(Dollars in thousands)
Non-residential commercial real estate	$	1,841	$	2,068