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LOANS (Tables)
12 Months Ended
Dec. 31, 2025
LOANS  
Schedule of loan portfolio

The loan portfolio of the Company consists of the following:

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AT DECEMBER 31, 

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2025

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2024

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(IN THOUSANDS)

Commercial:

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Commercial real estate (owner occupied) (1)

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$

85,233

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$

86,953

Commercial and industrial

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144,325

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​

147,251

Commercial real estate (non-owner occupied):

 

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Retail (1)

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171,530

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181,778

Multi-family (1)

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131,085

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​

132,364

Other (1)

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217,935

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233,882

Residential mortgages (1)

 

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169,814

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​

177,110

Consumer

 

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112,805

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​

108,611

Loans, net of unearned income

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$

1,032,727

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$

1,067,949

(1)Real estate construction loans constituted 5.0% and 3.6% of the Company’s total loans, net of unearned income as of December 31, 2025 and 2024, respectively.
Schedule of loan activity with related parties

The following tables summarize the loan activity with related parties for the years ended December 31, 2025 and 2024 (in thousands).

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YEAR ENDED DECEMBER 31, 2025

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BALANCE AT DECEMBER 31, 2024

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ADDITIONS

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REPAYMENTS

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BALANCE AT DECEMBER 31, 2025

Loans to related parties

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$

540

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$

110

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$

151

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$

499

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YEAR ENDED DECEMBER 31, 2024

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BALANCE AT DECEMBER 31, 2023

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ADDITIONS

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REPAYMENTS

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BALANCE AT DECEMBER 31, 2024

Loans to related parties

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$

663

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$

48

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$

171

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$

540

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