Loans (Tables)

9 Months Ended

Sep. 30, 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:

	September 30, 2025		December 31, 2024
Residential real estate	(Dollars in thousands)
Non-revolving residential real estate	$	443,152	$	445,425
Revolving residential real estate	27,750		21,884
Construction real estate
Commercial construction real estate	56,723		54,985
Residential construction real estate	56,804		51,202
Commercial real estate
Non-residential commercial real estate	331,191		330,010
Multi-family residential real estate	102,291		104,328
Commercial	32,719		35,175
Consumer	2,659		2,523
Municipal	120,984		110,204
Gross loans	1,174,273		1,155,736
ACL on loans	(8,397)		(7,680)
Net deferred loan costs	2,107		2,162
Net loans	$	1,167,983	$	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:

	September 30, 2025		December 31, 2024
	Real Estate		Real Estate
	(Dollars in thousands)
Residential real estate	$	9	$	—
Commercial construction real estate	13,010		—
Non-residential commercial real estate	3,202		4,246
Multi-family residential real estate	420		—
Commercial	44		500
Total	$	16,685	$	4,746