Loan Quality And Allowance For Credit Losses (Tables)

9 Months Ended

Sep. 30, 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 September 30, 2025	2025		2024		2023		2022		2021		Prior		Cost Basis		to Term		Total
Residential real estate 1-4 family:
Commercial:
Risk rating:
Pass (1-5)	$	4,899	$	4,970	$	9,247	$	6,502	$	9,179	$	25,039	$	5,347	$	—	$	65,183
OAEM (6)		—		—		—		—		—		—		—		—		—
Substandard (7)		—		—		—		—		—		181		—		—		181
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		4,899		4,970		9,247		6,502		9,179		25,220		5,347		—		65,364
Consumer:
Performing		30,358		51,275		64,259		28,488		13,564		32,671		65,371		16,285		302,271
Nonperforming		—		—		—		—		—		7		—		—		7
Total Consumer		30,358		51,275		64,259		28,488		13,564		32,678		65,371		16,285		302,278
Total	$	35,257	$	56,245	$	73,506	$	34,990	$	22,743	$	57,898	$	70,718	$	16,285	$	367,642
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential real estate construction:
Commercial:
Risk rating:
Pass (1-5)	$	4,427	$	16,330	$	2,162	$	403	$	388	$	705	$	—	$	—	$	24,415
OAEM (6)		—		—		—		—		—		—		—		—		—
Substandard (7)		—		—		—		—		—		—		—		—		—
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		4,427		16,330		2,162		403		388		705		—		—		24,415
Consumer:
Performing		13,951		13,386		—		—		—		—		—		—		27,337
Nonperforming		—		—		—		—		—		—		—		—		—
Total Consumer		13,951		13,386		—		—		—		—		—		—		27,337
Total	$	18,378	$	29,716	$	2,162	$	403	$	388	$	705	$	—	$	—	$	51,752
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate:
Risk rating:
Pass (1-5)	$	111,137	$	122,903		216,532		96,841	$	85,782	$	214,240	$	11,089	$	—	$	858,524
OAEM (6)		—		—		3,598		7,051		695		7,306		—		—		18,650
Substandard (7)		—		—		22,240		239		—		4,943		50		—		27,472
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	111,137	$	122,903	$	242,370	$	104,131	$	86,477	$	226,489	$	11,139	$	—	$	904,646
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial:
Risk rating:
Pass (1-5)	$	13,915	$	23,967	$	13,104	$	21,383	$	35,144	$	70,327	$	45,297	$	—	$	223,137
OAEM (6)		—		521		9		1,053		1,368		2		3,733		—		6,686
Substandard (7)		—		—		—		—		—		—		462		—		462
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	13,915	$	24,488	$	13,113	$	22,436	$	36,512	$	70,329	$	49,492	$	—	$	230,285
Current period gross charge-offs	$	(6)	$	—	$	(15)	$	—	$	—	$	(8)	$	—	$	—	$	(29)
Consumer:
Performing		1,868		1,409		844		241		1,548		12		3,615		—		9,537
Nonperforming		—		—		—		—		—		—		5		—		5
Total	$	1,868	$	1,409	$	844	$	241	$	1,548	$	12	$	3,620	$	—	$	9,542
Current period gross charge-offs	$	(53)	$	(5)	$	(6)	$	(1)	$	(1)	$	(2)	$	(18)	$	—	$	(86)

‎

(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

	September 30, 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
September 30, 2025
Residential Real Estate 1-4 Family
First liens	$	—	$	—	$	7	$	—	$	—	$	—
Junior liens and lines of credit		—		—		—		—		—		—
Total		—		—		7		—		—		—
Residential real estate - construction		—		—		—		—		—		—
Commercial real estate		3,406		7,266		—		266		—		—
Commercial		—		—		—		—		—		—
Consumer		—		—		5		—		—		2
Total	$	3,406	$	7,266	$	12	$	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
September 30, 2025
Residential Real Estate 1-4 Family
First liens	$	420	$	672	$	7	$	1,099	$	274,713	$	275,812
Junior liens and lines of credit		365		160		—		525		91,305		91,830
Total		785		832		7		1,624		366,018		367,642
Residential real estate - construction		—		—		—		—		51,752		51,752
Commercial real estate		756		552		3,167		4,475		900,171		904,646
Commercial		306		—		—		306		229,979		230,285
Consumer		24		4		5		33		9,509		9,542
Total	$	1,871	$	1,388	$	3,179	$	6,438	$	1,557,429	$	1,563,867

	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 June 30, 2025	$	1,637	$	488	$	561	$	12,852	$	3,460	$	124	$	19,122
Charge-offs		—		—		—		—		(16)		(25)		(41)
Recoveries		—		—		8		—		10		2		20
Provision		24		18		55		1,275		(166)		45		1,251
ACL at September 30, 2025	$	1,661	$	506	$	624	$	14,127	$	3,288	$	146	$	20,352
ACL at December 31, 2024	$	1,497	$	461	$	376	$	12,004	$	3,182	$	133	$	17,653
Charge-offs		—		—		—		—		(29)		(86)		(115)
Recoveries		—		—		11		—		85		14		110
Provision		164		45		237		2,123		50		85		2,704
ACL at September 30, 2025	$	1,661	$	506	$	624	$	14,127	$	3,288	$	146	$	20,352
ACL at June 30, 2024	$	1,384	$	429	$	318	$	11,423	$	3,364	$	100	$	17,018
Charge-offs		—		—		—		—		(2)		(25)		(27)
Recoveries		—		—		4		3		32		3		42
Provision		81		26		9		230		95		33		474
ACL at September 30, 2024	$	1,465	$	455	$	331	$	11,656	$	3,489	$	111	$	17,507
ACL at December 31, 2023	$	1,296	$	419	$	296	$	10,657	$	3,290	$	94	$	16,052
Charge-offs		—		—		—		(2)		(151)		(71)		(224)
Recoveries		—		—		11		3		112		29		155
Provision		169		36		24		998		238		59		1,524
ACL at September 30, 2024	$	1,465	$	455	$	331	$	11,656	$	3,489	$	111	$	17,507