Loans (Tables)

3 Months Ended

Mar. 31, 2025

Receivables [Abstract]

Schedule of Composition of Net Loans

The composition of Net loans as of the balance sheet dates, by regulatory call report code segmentation based on underlying collateral or purpose for certain loan types, was as follows:

	March 31, 2025		December 31, 2024
Residential real estate	(Dollars in thousands)
Non-revolving residential real estate	$	441,149	$	445,425
Revolving residential real estate	22,177		21,884
Construction real estate
Commercial construction real estate	51,385		54,985
Residential construction real estate	56,089		51,202
Commercial real estate
Non-residential commercial real estate	334,444		330,010
Multi-family residential real estate	106,392		104,328
Commercial	34,310		35,175
Consumer	2,824		2,523
Municipal	112,389		110,204
Gross loans	1,161,159		1,155,736
ACL on loans	(8,110)		(7,680)
Net deferred loan costs	2,162		2,162
Net loans	$	1,155,211	$	1,150,218

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

	March 31, 2025		December 31, 2024
	(Dollars in thousands)
Commercial construction real estate	$	12,160	$	—
Non-residential commercial real estate	4,187		4,246
Commercial	541		500
Total	$	16,888	$	4,746