Loan Quality And Allowance For Credit Losses (Tables)

3 Months Ended

Mar. 31, 2025

Loan Quality And Allowance For Credit Losses [Abstract]

Schedule Of Loans By Year Of Origination And Internally Assigned Risk Ratings

(Dollars in thousands)													Revolving		Revolving
	Term Loans												Loans		Loans
	Amortized Cost Basis by Origination Year												Amortized		Converted
As of March 31, 2025	2025		2024		2023		2022		2021		Prior		Cost Basis		to Term		Total
Residential real estate 1-4 family:
Commercial:
Risk rating:
Pass (1-5)	$	799	$	5,150	$	9,157	$	7,221	$	9,918	$	27,471	$	3,801	$	—	$	63,517
OAEM (6)		—		—		—		—		—		—		—		—		—
Substandard (7)		—		—		—		—		—		186		—		—		186
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		799		5,150		9,157		7,221		9,918		27,657		3,801		—		63,703
Consumer:
Performing		9,648		35,815		66,103		30,933		13,998		35,493		56,209		17,418		265,617
Nonperforming		—		—		—		—		—		13		—		—		13
Total Consumer		9,648		35,815		66,103		30,933		13,998		35,506		56,209		17,418		265,630
Total	$	10,447	$	40,965	$	75,260	$	38,154	$	23,916	$	63,163	$	60,010	$	17,418	$	329,333
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential real estate construction:
Commercial:
Risk rating:
Pass (1-5)	$	1,921	$	15,574	$	2,201	$	403	$	582	$	1,658	$	—	$	—	$	22,339
OAEM (6)		—		—		—		—		—		—		—		—		—
Substandard (7)		—		—		—		—		—		—		—		—		—
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		1,921		15,574		2,201		403		582		1,658		—		—		22,339
Consumer:
Performing		1,597		24,550		482		—		—		—		—		—		26,629
Nonperforming		—		—		—		—		—		—		—		—		—
Total Consumer		1,597		24,550		482		—		—		—		—		—		26,629
Total	$	3,518	$	40,124	$	2,683	$	403	$	582	$	1,658	$	—	$	—	$	48,968
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate:
Risk rating:
Pass (1-5)	$	41,435	$	95,143		215,877		103,900	$	92,285	$	235,849	$	18,218	$	—	$	802,707
OAEM (6)		—		—		8,879		1,760		706		9,509		—		—		20,854
Substandard (7)		—		—		6,269		253		—		1,654		50		—		8,226
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	41,435	$	95,143	$	231,025	$	105,913	$	92,991	$	247,012	$	18,268	$	—	$	831,787
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial:
Risk rating:
Pass (1-5)	$	6,434	$	26,234	$	15,702	$	26,473	$	37,616	$	76,484	$	46,964	$	—	$	235,907
OAEM (6)		—		—		10		405		1,456		7		175		—		2,053
Substandard (7)		—		—		—		—		—		—		50		—		50
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	6,434	$	26,234	$	15,712	$	26,878	$	39,072	$	76,491	$	47,189	$	—	$	238,010
Current period gross charge-offs	$	(3)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	(3)
Consumer:
Performing		605		1,838		1,059		336		1,633		40		2,575		—		8,086
Nonperforming		—		—		—		—		—		—		7		—		7
Total	$	605	$	1,838	$	1,059	$	336	$	1,633	$	40	$	2,582	$	—	$	8,093
Current period gross charge-offs	$	(12)	$	—	$	—	$	(1)	$	(1)	$	(1)	$	(3)	$	—	$	(18)

‎

(Dollars in thousands)													Revolving		Revolving
	Term Loans												Loans		Loans
	Amortized Cost Basis by Origination Year												Amortized		Converted
As of December 31, 2024	2024		2023		2022		2021		2020		Prior		Cost Basis		to Term		Total
Residential real estate 1-4 family:
Commercial:
Risk rating:
Pass (1-5)	$	5,306	$	9,436	$	7,529	$	10,133	$	8,099	$	20,251	$	4,079	$	—	$	64,833
OAEM (6)		—		—		—		—		—		—		—		—		—
Substandard (7)		—		—		—		—		—		—		187		—		187
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		5,306		9,436		7,529		10,133		8,099		20,251		4,266		—		65,020
Consumer:
Performing		36,214		67,248		31,290		14,303		9,014		27,744		54,147		17,855		257,815
Nonperforming		—		—		—		—		—		—		—		—		—
Total Consumer		36,214		67,248		31,290		14,303		9,014		27,744		54,147		17,855		257,815
Total	$	41,520	$	76,684	$	38,819	$	24,436	$	17,113	$	47,995	$	58,413	$	17,855	$	322,835
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential real estate construction:
Commercial:
Risk rating:
Pass (1-5)	$	5,582	$	3,306	$	403	$	1,150	$	159	$	1,085	$	—	$	—	$	11,685
OAEM (6)		—		—		—		—		—		—		—		—		—
Substandard (7)		—		—		—		—		—		—		—		—		—
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		5,582		3,306		403		1,150		159		1,085		—		—		11,685
Consumer:
Performing		19,907		835		—		—		—		—		—		—		20,742
Nonperforming		—		—		—		—		—		—		—		—		—
Total Consumer		19,907		835		—		—		—		—		—		—		20,742
Total	$	25,489	$	4,141	$	403	$	1,150	$	159	$	1,085	$	—	$	—	$	32,427
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate:
Risk rating:
Pass (1-5)	$	95,410	$	221,889	$	106,385	$	93,228	$	32,546	$	218,875	$	16,290	$	—	$	784,623
OAEM (6)		—		—		1,772		1,711		6,624		—		—		—		10,107
Substandard (7)		—		6,301		266		—		—		2,018		50		—		8,635
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	95,410	$	228,190	$	108,423	$	94,939	$	39,170	$	220,893	$	16,340	$	—	$	803,365
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	(2)	$	—	$	—	$	(2)
Commercial:
Risk rating:
Pass (1-5)	$	25,398	$	16,289	$	27,545	$	37,927	$	18,196	$	60,126	$	42,595	$	—	$	228,076
OAEM (6)		—		11		420		1,500		9		—		250		—		2,190
Substandard (7)		—		—		—		—		58		—		273		—		331
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	25,398	$	16,300	$	27,965	$	39,427	$	18,263	$	60,126	$	43,118	$	—	$	230,597
Current period gross charge-offs	$	(11)	$	—	$	(287)	$	—	$	—	$	—	$	(161)	$	—	$	(459)
Consumer:
Performing		2,289		1,140		386		1,682		36		27		3,291		—		8,851
Nonperforming		—		—		—		1		—		—		1		—		2
Total	$	2,289	$	1,140	$	386	$	1,683	$	36	$	27	$	3,292	$	—	$	8,853
Current period gross charge-offs	$	(44)	$	—	$	—	$	—	$	(6)	$	—	$	(49)	$	—	$	(99)

Schedule Of Nonaccrual Loans And Loans Past Due Over 90 Days And Still On Accrual By Class Of Loans

	March 31, 2025						December 31, 2024
(Dollars in thousands)	Nonaccrual and Loans past due 90 Days or more						Nonaccrual and Loans past due 90 Days or more
					Loans past due						Loans past due
	Nonaccrual		Nonaccrual		90 Days or more		Nonaccrual		Nonaccrual		90 Days or more
	Without ACL		With ACL		Still Accruing		Without ACL		With ACL		Still Accruing
March 31, 2025
Residential Real Estate 1-4 Family
First liens	$	—	$	—	$	13	$	—	$	—	$	—
Junior liens and lines of credit		—		—		—		—		—		—
Total		—		—		13		—		—		—
Residential real estate - construction		—		—		—		—		—		—
Commercial real estate		253		—		—		266		—		—
Commercial		—		—		—		—		—		—
Consumer		—		—		7		—		—		2
Total	$	253	$	—	$	20	$	266	$	—	$	2

Aging Of Payments Of The Loan Portfolio

(Dollars in thousands)	Loans Past Due						Total				Total
	30-59 Days		60-89 Days		90 Days+		Past Due		Current		Loans
March 31, 2025
Residential Real Estate 1-4 Family
First liens	$	520	$	58	$	13	$	591	$	244,853	$	245,444
Junior liens and lines of credit		342		—		—		342		83,547		83,889
Total		862		58		13		933		328,400		329,333
Residential real estate - construction		—		—		—		—		48,968		48,968
Commercial real estate		3,506		—		253		3,759		828,028		831,787
Commercial		154		50		—		204		237,806		238,010
Consumer		32		1		7		40		8,053		8,093
Total	$	4,554	$	109	$	273	$	4,936	$	1,451,255	$	1,456,191

	Loans Past Due						Total				Total
	30-59 Days		60-89 Days		90 Days+		Past Due		Current		Loans
December 31, 2024
Residential Real Estate 1-4 Family
First liens	$	203	$	640	$	—	$	843	$	239,758	$	240,601
Junior liens and lines of credit		241		160		—		401		81,833		82,234
Total		444		800		—		1,244		321,591		322,835
Residential real estate - construction		—		—		—		—		32,427		32,427
Commercial real estate		380		219		—		599		802,766		803,365
Commercial		747		50		266		1,063		229,534		230,597
Consumer		30		4		2		36		8,817		8,853
Total	$	1,601	$	1,073	$	268	$	2,942	$	1,395,135	$	1,398,077

Allowance For Credit Losses (ACL), By Loan Segment

	Residential Real Estate 1-4 Family
	First		Junior Liens &				Commercial
(Dollars in thousands)	Liens		Lines of Credit		Construction		Real Estate		Commercial		Consumer		Total
ACL at December 31, 2024	$	1,497	$	461	$	376	$	12,004	$	3,182	$	133	$	17,653
Charge-offs		—		—		—		—		(3)		(18)		(21)
Recoveries		—		—		3		—		54		5		62
Provision		32		9		76		476		161		(4)		750
ACL at March 31, 2025	$	1,529	$	470	$	455	$	12,480	$	3,394	$	116	$	18,444
ACL at December 31, 2024	$	1,497	$	461	$	376	$	12,004	$	3,182	$	133	$	17,653
ACL at December 31, 2023	$	1,296	$	419	$	296	$	10,657	$	3,290	$	94	$	16,052
Charge-offs		—		—		—		(2)		(66)		(28)		(96)
Recoveries		—		—		4		—		60		23		87
Provision		12		(4)		37		402		40		3		490
ACL at March 31, 2024	$	1,308	$	415	$	337	$	11,057	$	3,324	$	92	$	16,533