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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)
 12 Months Ended
Dec. 31, 2025
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable
The following table presents the composition of the loan portfolio:
(In thousands)December 31, 2025December 31, 2024
Commercial real estate$1,273,813 $969,514 
Residential mortgage599,051 401,950 
Commercial and industrial205,452 140,906 
Home equity lines of credit127,341 85,685 
Real estate construction116,680 76,773 
Consumer10,140 9,318 
Gross loans2,332,477 1,684,146 
Unearned income(1,963)(1,236)
Total loans, net of unearned income$2,330,514 $1,682,910 
Financing Receivable, Related Party The following table is a summary of the aggregate dollar amount, including unadvanced commitments, for these related-party loans:
(In thousands)2025
Balance at January 1$4,759 
New loans1
11,859 
Repayments496 
Balance at December 31$16,122 
__________________________________________________
1 Includes $6.7 million of loans as a result of the Acquisition.
 [1]
Loan Portfolio Summarized By The Past Due Status The following tables present the classes of the loan portfolio summarized by the past due status:
(In thousands)30–59 Days Past Due60–89 Days
Past Due		≥ 90 Days
Past Due		Total Past
Due		CurrentTotal Loans
Receivable		Loans
Receivable
≥ 90 Days
and
Accruing
December 31, 2025
Commercial real estate$457 $400 $292 $1,149 $1,272,664 $1,273,813 $— 
Residential mortgage4,988 2,098 4,261 11,347 587,704 599,051 2,332 
Commercial and industrial10 332 142 484 204,968 205,452 — 
Home equity lines of credit572 — 514 1,086 126,255 127,341 514 
Real estate construction578 — — 578 116,102 116,680 — 
Consumer23 30 8 61 10,079 10,140 8 
Gross Loans$6,628 $2,860 $5,217 $14,705 $2,317,772 $2,332,477 $2,854 
December 31, 2024
Commercial real estate$763 $527 $314 $1,604 $967,910 $969,514 $— 
Residential mortgage953 987 850 2,790 399,160 401,950 850 
Commercial and industrial437 24 155 616 140,290 140,906 — 
Home equity lines of credit161 — 91 252 85,433 85,685 91 
Real estate construction15 11 — 26 76,747 76,773 — 
Consumer47 18 — 65 9,253 9,318 — 
Gross Loans$2,376 $1,567 $1,410 $5,353 $1,678,793 $1,684,146 $941 
Nonaccrual Loans By Classes Of The Loan Portfolio
Loans individually evaluated consist of nonaccrual loans, presented in the following table:
December 31, 2025December 31, 2024
(In thousands)With a Related AllowanceWithout a Related AllowanceTotalWith a Related AllowanceWithout a Related AllowanceTotal
Commercial real estate$— $3,644 $3,644 $314 $3,250 $3,564 
Residential mortgage246 1,684 1,930 — — — 
Commercial and industrial698 1,590 2,288 2,081 226 2,307 
Home equity lines of credit— 5 5 — — — 
 Total$944 $6,923 $7,867 $2,395 $3,476 $5,871 
Schedule of Nonperforming Loans
Total nonperforming loans at December 31 are as follows:
(In thousands)20252024
Nonaccrual loans$7,867 $5,871 
Greater than or equal to 90 days past due and accruing2,854 941 
Total nonperforming loans$10,721 $6,812 
Financing Receivable, Amortized Cost Basis
The amortized cost basis of individually evaluated loans by type of collateral as of December 31:
20252024
(In thousands)Business AssetsReal EstateBusiness AssetsReal Estate
Commercial real estate$— $3,644 $— $3,564 
Residential mortgage— 1,930 — — 
Commercial and industrial1,971 317 2,307 — 
Home equity lines of credit— 5 — — 
Total$1,971 $5,896 $2,307 $3,564 
Schedule of actual loan modifications
The following tables present the amortized cost basis of loans that were both experiencing financial difficulty and modified during the years ended December 31, 2025 and 2024, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below:
(Dollars in thousands)Term ExtensionPayment DeferralCombination Payment Deferral and Term ExtensionCombination Payment Deferral and Interest-Only PaymentsPercent of Class of Financing Receivable
2025
Residential mortgage$— $— $436 $— 0.1 %
Commercial real estate— 126 — — — %
Commercial and industrial142 — — — 0.1 %
Consumer— — 10 — 0.1 %
Total$142 $126 $446 $— 
2024
Commercial real estate$— $— $— $2,293 0.2 %
Commercial and industrial— — — 1,748 1.2 %
Total$— $— $— $4,041 
The following presents information regarding the financial effect on modified loans to borrowers experiencing difficulty during the year ended December 31, 2025:
Modification TypeFinancial Effect
2025
Residential mortgageCombination Payment Deferral and Term Extension
Extended the term of the loans by a weighted-average of 6 months, which allowed the borrowers to defer payments.
Commercial real estatePayment DeferralThe term was not extended.
Commercial and industrialTerm Extension
Extended the term of the loan 12 months.
ConsumerCombination Payment Deferral and Term Extension
Extended the term of the loan by 4 months, which allowed the borrower to defer payments.
The loan modifications made during 2024 did not result in term extensions.
The following presents the performance of loans modified in the previous twelve months as of December 31, 2025:
(In thousands)Current30-89 Days Past Due≥ 90 Days Past DueTotal Past Due
Residential mortgage$436 $— $— $— 
Commercial real estate126 — — — 
Commercial and industrial142 — — — 
Consumer10 — — — 
Total$714 $— $— $— 
Classes Of The Loan Portfolio Summarized By The Aggregate Risk Rating
The following summarizes designated internal risk categories by portfolio segment for loans assigned a risk rating and those evaluated based on the performance status:
December 31, 2025
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisTotal
(In thousands)20252024202320222021Prior
Internally Risk Rated:
Commercial real estate
Pass$83,583 $171,026 $182,864 $199,094 $166,194 $392,397 $25,109 $1,220,267 
Special Mention420 1,807 2,386 4,485 9,367 25,923 1,615 46,003 
Substandard153 105 294 2,492 327 4,172 — 7,543 
Total Commercial real estate$84,156 $172,938 $185,544 $206,071 $175,888 $422,492 $26,724 $1,273,813 
Year-to-date gross charge-offs$— $— $— $— $— $32 $— $32 
Residential mortgage
Pass$37,231 $29,754 $34,884 $23,227 $37,692 $54,050 $953 $217,791 
Special Mention176 247 140 304 140 2,789 — 3,796 
Substandard— — 231 1,816 — 271 — 2,318 
Total Residential Mortgage$37,407 $30,001 $35,255 $25,347 $37,832 $57,110 $953 $223,905 
Year-to-date gross charge-offs$19 $— $— $— $— $— $— $19 
Commercial and industrial
Pass$20,925 $22,881 $16,950 $20,101 $30,917 $30,588 $46,211 $188,573 
Special Mention383 208 478 4,888 40 483 7,100 13,580 
Substandard— — 463 774 94 513 1,455 3,299 
Total Commercial and industrial$21,308 $23,089 $17,891 $25,763 $31,051 $31,584 $54,766 $205,452 
Year-to-date gross charge-offs$— $— $— $— $— $14 $— $14 
Home equity lines of credit
Pass$— $— $485 $84 $29 $51 $10,974 $11,623 
Special Mention— — — — 93 97 160 350 
Substandard— — — — — 5 5 10 
Total Home equity lines of credit$— $— $485 $84 $122 $153 $11,139 $11,983 
Real estate construction
Pass$26,653 $19,215 $15,519 $7,513 $1,640 $757 $5,867 $77,164 
Special Mention— — — 4,678 — 365 — 5,043 
Total Real estate construction$26,653 $19,215 $15,519 $12,191 $1,640 $1,122 $5,867 $82,207 
Performance Rated:
Residential mortgage
Performing$40,566 $33,541 $53,484 $79,888 $39,877 $120,302 $5,157 $372,815 
Nonperforming— 231 — 635 — 1,465 — 2,331 
Total Residential Mortgage$40,566 $33,772 $53,484 $80,523 $39,877 $121,767 $5,157 $375,146 
Home equity lines of credit
Performing$— $— $13 $29 $— $1,989 $112,813 $114,844 
Nonperforming— — — — — — 514 514 
Total Home equity lines of credit$— $— $13 $29 $— $1,989 $113,327 $115,358 
Real estate construction
Performing$27,937 $4,650 $553 $362 $144 $826 $1 $34,473 
Total Real estate construction$27,937 $4,650 $553 $362 $144 $826 $1 $34,473 
Consumer
Performing$1,641 $1,232 $877 $1,125 $260 $587 $4,410 $10,132 
Nonperforming— — — — — 8 — 8 
Total Consumer$1,641 $1,232 $877 $1,125 $260 $595 $4,410 $10,140 
Year-to-date gross charge-offs$14 $27 $61 $18 $— $8 $230 $358 
Total Portfolio loans
Pass$168,392 $242,876 $250,702 $250,019 $236,472 $477,843 $89,114 $1,715,418 
Special Mention979 2,262 3,004 14,355 9,640 29,657 8,875 68,772 
Substandard153 105 988 5,082 421 4,961 1,460 13,170 
Performing70,144 39,423 54,927 81,404 40,281 123,704 122,381 532,264 
Nonperforming— 231 — 635 — 1,473 514 2,853 
Total Portfolio loans$239,668 $284,897 $309,621 $351,495 $286,814 $637,638 $222,344 $2,332,477 
Year-to-date gross charge-offs$33 $27 $61 $18 $— $54 $230 $423 
December 31, 2024
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost Basis
(In thousands)20242023202220212020PriorTotal
Internally Risk Rated:
Commercial real estate
Pass$120,989 $135,995 $164,167 $121,092 $55,408 $312,999 $17,276 $927,926 
Special Mention1,887 3,826 2,880 6,639 2,177 11,613 1,303 30,325 
Substandard— — 2,332 342 1,485 7,059 45 11,263 
Total Commercial real estate$122,876 $139,821 $169,379 $128,073 $59,070 $331,671 $18,624 $969,514 
Residential mortgage
Pass$27,887 $35,566 $23,095 $38,848 $13,446 $31,784 $466 $171,092 
Special Mention130 1,692 167 146 366 3,246 115 5,862 
Substandard— 237 188 — — 68 — 493 
Total Residential Mortgage$28,017 $37,495 $23,450 $38,994 $13,812 $35,098 $581 $177,447 
Commercial and industrial
Pass$10,000 $10,067 $19,584 $29,673 $13,162 $18,976 $30,015 $131,477 
Special Mention165 109 246 192 78 459 2,554 3,803 
Substandard— 526 468 335 2 979 3,316 5,626 
Total Commercial and industrial$10,165 $10,702 $20,298 $30,200 $13,242 $20,414 $35,885 $140,906 
Year-to-date gross charge-offs$— $38 $— $— $— $100 $— $138 
Home equity lines of credit
Pass$— $294 $92 $— $— $501 $5,729 $6,616 
Special Mention— — — — — — 696 696 
Substandard— — — — — 6 — 6 
Total Home equity lines of credit$— $294 $92 $— $— $507 $6,425 $7,318 
Real estate construction
Pass$21,227 $24,463 $7,719 $1,209 $298 $1,060 $6,086 $62,062 
Special Mention— 168 5,100 — — 667 45 5,980 
Substandard— — — — — 62 — 62 
Total Real estate construction$21,227 $24,631 $12,819 $1,209 $298 $1,789 $6,131 $68,104 
Performance Rated:
Residential mortgage
Performing$14,786 $41,275 $39,943 $13,523 $13,876 $100,601 $72 $224,076 
Nonperforming— — — — — 427 — 427 
Total Residential Mortgage$14,786 $41,275 $39,943 $13,523 $13,876 $101,028 $72 $224,503 
Home equity lines of credit
Performing$— $18 $34 $— $12 $2,591 $75,621 $78,276 
Nonperforming— — — — — — 91 91 
Total Home equity lines of credit$— $18 $34 $— $12 $2,591 $75,712 $78,367 
Real estate construction
Performing$6,486 $222 $725 $160 $188 $888 $— $8,669 
Total Real estate construction$6,486 $222 $725 $160 $188 $888 $— $8,669 
Consumer
Performing$2,000 $1,521 $1,694 $465 $276 $778 $2,584 $9,318 
Total Consumer$2,000 $1,521 $1,694 $465 $276 $778 $2,584 $9,318 
Year-to-date gross charge-offs$— $4 $9 $— $1 $7 $197 $218 
Total Portfolio loans
Pass$180,103 $206,385 $214,657 $190,822 $82,314 $365,320 $59,572 $1,299,173 
Special Mention2,182 5,795 8,393 6,977 2,621 15,985 4,713 46,666 
Substandard— 763 2,988 677 1,487 8,174 3,361 17,450 
Performing23,272 43,036 42,396 14,148 14,352 104,858 78,277 320,339 
Nonperforming— — — — — 427 91 518 
Total Portfolio loans$205,557 $255,979 $268,434 $212,624 $100,774 $494,764 $146,014 $1,684,146 
Year-to-date gross charge-offs$— $42 $9 $— $1 $107 $197 $356 
Financing Receivable, Allowance for Credit Loss
The following table presents the ACL by loan portfolio segment:
(In thousands)Commercial
Real Estate		Residential MortgageCommercial and IndustrialHome Equity Lines of CreditReal Estate ConstructionConsumerUnallocatedTotal
Beginning balance - January 1, 2025$10,578 $2,976 $1,416 $294 $1,918 $98 $— $17,280 
Allowance established for acquired PCD loans798 140 194 13 169 150 — 1,464 
Charge-offs(32)(19)(14)— — (358)— (423)
Recoveries— — 15 — — 74 — 89 
Provisions1,915 2,289 189 175 501 193 — 5,262 
Ending balance - December 31, 2025$13,259 $5,386 $1,800 $482 $2,588 $157 $— $23,672 
Beginning balance - January 1, 2024$12,010 $3,303 $2,048 $397 $2,070 $141 $— $19,969 
Charge-offs— — (138)— — (218)— (356)
Recoveries— — 26 — — 78 — 104 
(Reversal of) provisions(1,432)(327)(520)(103)(152)97 — (2,437)
Ending balance - December 31, 2024$10,578 $2,976 $1,416 $294 $1,918 $98 $— $17,280 
Beginning balance - January 1, 2023$10,016 $3,029 $2,848 $347 $1,000 $376 $245 $17,861 
Impact of CECL adoption1,106 297 (762)17 1,347 (142)(245)1,618 
Charge-offs— — (110)— — (396)— (506)
Recoveries— — 64 — — 72 — 136 
Provisions (reversal of)888 (23)8 33 (277)231 — 860 
Ending balance - December 31, 2023$12,010 $3,303 $2,048 $397 $2,070 $141 $— $19,969 
[1] Includes $6.7 million of loans as a result of the Acquisition.