Loan Quality And Allowance For Credit Losses (Tables)

6 Months Ended

Jun. 30, 2026

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 June 30, 2026	2026		2025		2024		2023		2022		Prior		Cost Basis		to Term		Total
Residential real estate 1-4 family:
Commercial:
Risk rating:
Pass (1-5)	$	5,883	$	6,424	$	4,552	$	13,806	$	5,984	$	26,878	$	6,342	$	—	$	69,869
OAEM (6)		—		—		—		—		—		—		95		—		95
Substandard (7)		—		—		—		—		—		225		—		—		225
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		5,883		6,424		4,552		13,806		5,984		27,103		6,437		—		70,189
Consumer:
Performing		20,392		45,182		43,310		56,060		26,714		42,066		73,349		15,781		322,854
Nonperforming		—		—		—		—		—		—		19		—		19
Total Consumer		20,392		45,182		43,310		56,060		26,714		42,066		73,368		15,781		322,873
Total	$	26,275	$	51,606	$	47,862	$	69,866	$	32,698	$	69,169	$	79,805	$	15,781	$	393,062
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Residential real estate construction:
Commercial:
Risk rating:
Pass (1-5)	$	2,772	$	3,237	$	5,132	$	907	$	253	$	2,036	$	1,319	$	—	$	15,656
OAEM (6)		—		—		—		—		—		—		—		—		—
Substandard (7)		—		—		—		—		—		—		—		—		—
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		2,772		3,237		5,132		907		253		2,036		1,319		—		15,656
Consumer:
Performing		7,459		25,460		5,503		—		—		—		—		—		38,422
Nonperforming		—		—		—		—		—		—		—		—		—
Total Consumer		7,459		25,460		5,503		—		—		—		—		—		38,422
Total	$	10,231	$	28,697	$	10,635	$	907	$	253	$	2,036	$	1,319	$	—	$	54,078
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate:
Risk rating:
Pass (1-5)	$	57,170	$	133,971		141,092		203,310	$	92,414	$	260,368	$	15,667	$	—	$	903,992
OAEM (6)		—		—		—		12,376		914		6,676		15		—		19,981
Substandard (7)		1,603		—		—		21,875		221		1,694		—		—		25,393
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	58,773	$	133,971	$	141,092	$	237,561	$	93,549	$	268,738	$	15,682	$	—	$	949,366
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial:
Risk rating:
Pass (1-5)	$	9,213	$	13,656	$	20,461	$	8,422	$	17,273	$	93,488	$	37,490	$	—	$	200,003
OAEM (6)		—		—		—		7		328		1,234		198		—		1,767
Substandard (7)		—		—		381		—		389		—		3,339		—		4,109
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	9,213	$	13,656	$	20,842	$	8,429	$	17,990	$	94,722	$	41,027	$	—	$	205,879
Current period gross charge-offs	$	(2)	$	—	$	(55)	$	—	$	(209)	$	—	$	(645)	$	—	$	(911)

Consumer:
Performing		980		1,256		858		521		94		1,435		3,085		—		8,229
Nonperforming		—		—		—		—		—		—		5		—		5
Total	$	980	$	1,256	$	858	$	521	$	94	$	1,435	$	3,090	$	—	$	8,234
Current period gross charge-offs	$	(29)	$	—	$	—	$	(5)	$	—	$	(3)	$	(26)	$	—	$	(63)

‎



(Dollars in thousands)													Revolving		Revolving
	Term Loans												Loans		Loans
	Amortized Cost Basis by Origination Year												Amortized		Converted
As of December 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)	$	6,601	$	4,914	$	14,483	$	6,381	$	8,982	$	23,381	$	5,237	$	—	$	69,979
OAEM (6)		—		—		—		—		—		—		95		—		95
Substandard (7)		—		—		—		—		—		222		—		—		222
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		6,601		4,914		14,483		6,381		8,982		23,603		5,332		—		70,296
Consumer:
Performing		35,726		45,927		60,145		27,930		13,385		31,675		67,410		15,872		298,070
Nonperforming		—		—		—		—		—		—		20		—		20
Total Consumer		35,726		45,927		60,145		27,930		13,385		31,675		67,430		15,872		298,090
Total	$	42,327	$	50,841	$	74,628	$	34,311	$	22,367	$	55,278	$	72,762	$	15,872	$	368,386
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Residential real estate construction:
Commercial:
Risk rating:
Pass (1-5)	$	4,228	$	16,503	$	1,204	$	—	$	1,093	$	1,488	$	—	$	—	$	24,516
OAEM (6)		—		—		—		—		—		—		—		—		—
Substandard (7)		—		—		—		—		—		—		—		—		—
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		4,228		16,503		1,204		—		1,093		1,488		—		—		24,516
Consumer:
Performing		24,744		4,865		—		—		—		—		—		—		29,609
Nonperforming		—		—		—		—		—		—		—		—		—
Total Consumer		24,744		4,865		—		—		—		—		—		—		29,609
Total	$	28,972	$	21,368	$	1,204	$	—	$	1,093	$	1,488	$	—	$	—	$	54,125
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate:
Risk rating:
Pass (1-5)	$	137,253	$	126,702	$	206,916	$	96,083	$	84,154	$	189,407	$	12,236	$	—	$	852,751
OAEM (6)		—		—		12,956		448		689		11,924		—		—		26,017
Substandard (7)		—		544		22,040		239		—		1,980		—		—		24,803
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	137,253	$	127,246	$	241,912	$	96,770	$	84,843	$	203,311	$	12,236	$	—	$	903,571
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial:
Risk rating:
Pass (1-5)	$	17,563	$	23,890	$	11,979	$	19,675	$	33,813	$	65,515	$	45,425	$	—	$	217,860
OAEM (6)		—		—		8		359		1,323		—		198		—		1,888
Substandard (7)		—		553		—		583		—		—		4,615		—		5,751
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	17,563	$	24,443	$	11,987	$	20,617	$	35,136	$	65,515	$	50,238	$	—	$	225,499
Current period gross charge-offs	$	(9)	$	—	$	(17)	$	—	$	(2)	$	(8)	$	—	$	—	$	(36)

Consumer:
Performing		1,853		1,145		709		201		1,499		—		4,245		—		9,652
Nonperforming		—		—		—		—		—		—		5		—		5
Total	$	1,853	$	1,145	$	709	$	201	$	1,499	$	—	$	4,250	$	—	$	9,657
Current period gross charge-offs	$	(71)	$	(6)	$	(18)	$	(3)	$	(1)	$	(2)	$	(30)	$	—	$	(131)

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



	June 30, 2026						December 31, 2025
(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
June 30, 2026
Residential Real Estate 1-4 Family
First liens	$	51	$	—	$	—	$	—	$	—	$	—
Junior liens and lines of credit		19		—		—		20		—		—
Total		70		—		—		20		—		—
Residential real estate - construction		—		—		—		—		—		—
Commercial real estate		221		17,387		—		1,029		7,119		—
Commercial		49		—		—		55		290		—
Consumer		—		—		5		—		—		5
Total	$	340	$	17,387	$	5	$	1,104	$	7,409	$	5

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
June 30, 2026
Residential Real Estate 1-4 Family
First liens	$	158	$	597	$	51	$	806	$	295,589	$	296,395
Junior liens and lines of credit		238		160		—		398		96,269		96,667
Total		396		757		51		1,204		391,858		393,062
Residential real estate - construction		—		—		—		—		54,078		54,078
Commercial real estate		284		—		7,027		7,311		942,055		949,366
Commercial		126		—		49		175		205,704		205,879
Consumer		31		28		5		64		8,170		8,234
Total	$	837	$	785	$	7,132	$	8,754	$	1,601,865	$	1,610,619



	Loans Past Due						Total				Total
	30-59 Days		60-89 Days		90 Days+		Past Due		Current		Loans
December 31, 2025
Residential Real Estate 1-4 Family
First liens	$	145	$	855	$	—	$	1,000	$	275,897	$	276,897
Junior liens and lines of credit		333		160		20		513		90,976		91,489
Total		478		1,015		20		1,513		366,873		368,386
Residential real estate - construction		—		—		—		—		54,125		54,125
Commercial real estate		542		—		1,029		1,571		902,000		903,571
Commercial		500		1		345		846		224,653		225,499
Consumer		55		19		5		79		9,578		9,657
Total	$	1,575	$	1,035	$	1,399	$	4,009	$	1,557,229	$	1,561,238

Amortized Cost Basis Of Loans Modified

Combination

Term Extension

Total Class

(Dollars in thousands)

Principal

Payment

Term

Interest Rate

and Principal

and Interest

of Financing

Forgiveness

Delay

Extension

Reduction

Forgiveness

Rate Reduction

Receivable

June 30, 2026

Commercial real estate

—

15,786

—

1.66%

Loans Modifications




(Dollars in thousands)			Loans Past Due						Total
	Current		30-59 Days		60-89 Days		90 Days+		Past Due
June 30, 2026
Commercial real estate	$	8,759	$	—	$	—	$	7,027	$	7,027

Summary Of Financial Effect Of Modifications To Troubled Borrowers



			Weighted-		Weighted-
			Average		Average
(Dollars in thousands)	Principal		Interest Rate		Term
	Forgiveness		Reduction		Extension
June 30, 2026
Commercial real estate		—		0.00%		0.5 years

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 March 31, 2026	$	1,733	$	510	$	692	$	14,580	$	3,037	$	177	$	20,729
Charge-offs		—		—		—		—		(564)		(22)		(586)
Recoveries		—		—		—		—		100		21		121
Provision		50		14		(36)		1,838		(209)		(57)		1,600
ACL at June 30, 2026	$	1,783	$	524	$	656	$	16,418	$	2,364	$	119	$	21,864

ACL at December 31, 2025	$	1,665	$	500	$	652	$	14,042	$	3,641	$	155	$	20,655
Charge-offs		—		—		—		—		(911)		(63)		(974)
Recoveries		—		—		67		—		279		35		381
Provision		118		24		(63)		2,376		(645)		(8)		1,802
ACL at June 30, 2026	$	1,783	$	524	$	656	$	16,418	$	2,364	$	119	$	21,864

ACL at March 31, 2025	$	1,529	$	470	$	455	$	12,480	$	3,394	$	116	$	18,444
Charge-offs		—		—		—		—		(10)		(43)		(53)
Recoveries		—		—		—		—		21		6		27
Provision		108		18		106		372		55		45		704
ACL at June 30, 2025	$	1,637	$	488	$	561	$	12,852	$	3,460	$	124	$	19,122

ACL at December 31, 2024	$	1,497	$	461	$	376	$	12,004	$	3,182	$	133	$	17,653
Charge-offs		—		—		—		—		(13)		(61)		(74)
Recoveries		—		—		3		—		75		11		89
Provision		140		27		182		848		216		41		1,454
ACL at June 30, 2025	$	1,637	$	488	$	561	$	12,852	$	3,460	$	124	$	19,122