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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:

AT DECEMBER 31, 

  ​ ​ ​

2025

  ​ ​ ​

2024

(IN THOUSANDS)

Commercial:

Commercial real estate (owner occupied) (1)

$

85,233

$

86,953

Commercial and industrial

144,325

147,251

Commercial real estate (non-owner occupied):

 

Retail (1)

171,530

181,778

Multi-family (1)

131,085

132,364

Other (1)

217,935

233,882

Residential mortgages (1)

 

169,814

177,110

Consumer

 

112,805

108,611

Loans, net of unearned income

$

1,032,727

$

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).

YEAR ENDED DECEMBER 31, 2025

BALANCE AT DECEMBER 31, 2024

ADDITIONS

REPAYMENTS

BALANCE AT DECEMBER 31, 2025

Loans to related parties

$

540

$

110

$

151

$

499

YEAR ENDED DECEMBER 31, 2024

BALANCE AT DECEMBER 31, 2023

ADDITIONS

REPAYMENTS

BALANCE AT DECEMBER 31, 2024

Loans to related parties

$

663

$

48

$

171

$

540