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Allowance For Loan Losses (Tables)
 12 Months Ended
Dec. 31, 2024
Receivables [Abstract]  
Schedule Of Allowance For Loan Loss By Portfolio Segment The following table summarizes the activity in the allowance for credit losses, by portfolio loan classification, for the years ended December 31, 2024, 2023 and 2022 (in thousands).  The allocation of a portion of the allowance in one portfolio segment does not preclude its availability to absorb losses in other portfolio segments.
Beginning BalanceCharge-offsRecoveriesProvision for (recovery of) credit lossesEnding Balance
December 31, 2024
Commercial and industrial$4,474 $(672)$88 $651 $4,541 
   1-4 Family1,402 (177)211 (70)1,366 
   Hotels2,211 — — 144 2,355 
   Multi-family1,002 — — 388 1,390 
   Non Residential Non-Owner Occupied4,077 (3)9 (1,082)3,001 
   Non Residential Owner Occupied2,453 (1,800)161 911 1,725 
Commercial real estate11,145 (1,980)381 291 9,837 
Residential real estate5,398 (423)258 565 5,798 
Home equity490 (228)77 304 643 
Consumer269 (182)162 65 314 
DDA overdrafts969 (1,570)1,446 (56)789 
$22,745 $(5,055)$2,412 $1,820 $21,922 
Beginning BalanceImpact of Adopting ASU 2022-02PCD Loan ReservesCharge-offsRecoveriesProvision for (recovery of) credit lossesEnding Balance
December 31, 2023
Commercial and industrial$3,568 $12 $— $(153)$836 $211 $4,474 
  1-4 Family566 (1)— (340)50 1,127 1,402 
  Hotels2,332 — — (40)— (81)2,211 
  Multi-family380 — 500 — — 122 1,002 
  Non Residential Non-Owner Occupied2,019 — 1,536 — 171 351 4,077 
  Non Residential Owner Occupied1,315 — 775 — 56 307 2,453 
Commercial real estate6,612 (1)2,811 (380)277 1,826 11,145 
Residential real estate5,427 (138)— (209)47 271 5,398 
Home equity290 (46)— (400)47 599 490 
Consumer110 (2)— (187)123 225 269 
DDA Overdrafts1,101 — — (1,645)1,402 111 969 
$17,108 $(175)$2,811 $(2,974)$2,732 $3,243 $22,745 
  
Beginning BalanceCharge-offsRecoveriesProvision for (recovery of) credit lossesEnding Balance
December 31, 2022
Commercial and industrial$3,480 $(562)$334 $316 $3,568 
1-4 Family598 (55)160 (137)566 
Hotels2,426 — — (94)2,332 
Multi-family483 — — (103)380 
Non Residential Non-Owner Occupied2,319 — 47 (347)2,019 
Non Residential Owner Occupied1,485 — — (170)1,315 
Commercial real estate7,311 (55)207 (851)6,612 
Residential real estate5,716 (265)99 (123)5,427 
Home equity517 (279)56 (4)290 
Consumer106 (63)107 (40)110 
DDA Overdrafts1,036 (2,624)1,513 1,176 1,101 
$18,166 $(3,848)$2,316 $474 $17,108 
Financing Receivable, Nonaccrual
The following table presents the amortized cost basis of loans on non-accrual status and loans past due over 90 days still accruing as of December 31, 2024 (in thousands):
Non-accrual With NoNon-accrual WithLoans Past Due
Allowance forAllowance forOver 90 Days
Credit LossesCredit LossesStill Accruing
Commercial & Industrial$590 $2,571 $— 
   1-4 Family— 134 — 
   Hotels— — — 
   Multi-family— — — 
   Non Residential Non-Owner Occupied— 346 — 
   Non Residential Owner Occupied6,012 1,341 — 
Commercial Real Estate6,012 1,821 — 
Residential Real Estate— 2,823 156 
Home Equity— 212 26 
Consumer— — — 
Total$6,602 $7,427 $182 

The following table presents the amortized cost basis of loans on non-accrual status and loans past due over 90 days still accruing as of December 31, 2023 (in thousands):
Non-accrual With NoNon-accrual WithLoans Past Due
Allowance forAllowance forOver 90 Days
Credit LossesCredit LossesStill Accruing
Commercial & Industrial$1,000 $1,211 $— 
   1-4 Family— 521 — 
   Hotels— — — 
   Multi-family— — — 
   Non Residential Non-Owner Occupied— 446 — 
   Non Residential Owner Occupied— 1,420 — 
Commercial Real Estate— 2,387 — 
Residential Real Estate— 2,849 214 
Home Equity— 111 56 
Consumer— — — 
Total$1,000 $6,558 $270 
Schedule Of Aging Analysis Of Accruing And Non-Accruing Loans
The following presents the aging of the amortized cost basis in past-due loans as of December 31, 2024 and 2023 by class of loan (in thousands):
December 31, 2024
30-59
Past Due		60-89
Past Due		90+
Past Due		Total
Past Due		Current
Loans		Non-accrualTotal
Loans
Commercial and industrial$— $— $— $— $416,677 $3,161 $419,838 
   1-4 Family106 — — 106 197,018 134 197,258 
   Hotels — — — — 389,660 — 389,660 
   Multi-family— — — — 240,943 — 240,943 
   Non Residential Non-Owner
    Occupied		— — — — 706,919 346 707,265 
   Non Residential Owner Occupied134 — — 134 226,010 7,353 233,497 
Commercial real estate240 — — 240 1,760,550 7,833 1,768,623 
Residential real estate6,014 842 156 7,012 1,813,775 2,823 1,823,610 
Home equity687 189 26 902 198,078 212 199,192 
Consumer145 128 — 273 57,543 — 57,816 
Overdrafts384 7 — 391 5,306 — 5,697 
Total$7,470 $1,166 $182 $8,818 $4,251,929 $14,029 $4,274,776 
December 31, 2023
30-59
Past Due		60-89
Past Due		90+
Past Due		Total
Past Due		Current
Loans		Non-accrualTotal
Loans
Commercial and industrial$185 $250 $— $435 $424,305 $2,211 $426,951 
   1-4 Family67 25 — 92 205,624 521 206,237 
   Hotels— — — — 357,142 — 357,142 
   Multi-family— — — — 189,165 — 189,165 
   Non Residential Non-Owner
    Occupied		— — — — 680,144 446 680,590 
   Non Residential Owner Occupied623 — — 623 238,285 1,420 240,328 
Commercial real estate690 25 — 715 1,670,360 2,387 1,673,462 
Residential real estate7,034 811 214 8,059 1,777,241 2,849 1,788,149 
Home equity1,020 159 56 1,235 165,855 111 167,201 
Consumer129 — — 129 65,117 — 65,246 
Overdrafts355 9 — 364 4,550 — 4,914 
Total$9,413 $1,254 $270 $10,937 $4,107,428 $7,558 $4,125,923 
Schedule Of Credit Quality Indicators
Based on the most recent analysis performed, the risk category of loans by class of loans at December 31, 2024 is as follows (in thousands ) with the loans acquired from Citizens categorized by their origination date. Retail and mortgage loans are considered performing if they are less than 90 days delinquent and non-performing if they are 90 days or more delinquent.
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
20242023202220212020PriorCost BasisTotal
Commercial and industrial
Pass$65,161 $63,650 $26,201 $62,445 $36,440 $21,148 $109,869 $384,914 
Special mention60 5 — — — — — 65 
Substandard1,134 452 1,926 548 2,449 2,051 26,299 34,859 
Total$66,355 $64,107 $28,127 $62,993 $38,889 $23,199 $136,168 $419,838 
YTD Gross Charge-offs$— $6 $99 $69 $— $248 $250 $672 
Commercial real estate -
1-4 Family
Pass$39,992 $28,545 $38,562 $27,846 $18,218 $29,102 $10,011 $192,276 
Special mention— — 180 — 842 613 — 1,635 
Substandard— — 1,688 411 312 936 — 3,347 
Total$39,992 $28,545 $40,430 $28,257 $19,372 $30,651 $10,011 $197,258 
YTD Gross Charge-offs$— $— $— $— $— $177 $— $177 
Commercial real estate -
Hotels
Pass$46,980 $48,278 $78,225 $31,161 $6,742 $152,896 $288 $364,570 
Special mention— — — — — — — — 
Substandard— — — — — 25,090 — 25,090 
Total$46,980 $48,278 $78,225 $31,161 $6,742 $177,986 $288 $389,660 
YTD Gross Charge-offs$— $— $— $— $— $— $— $— 
Commercial real estate -
Multi-family
Pass$73,914 $6,939 $18,191 $19,174 $56,587 $63,314 $1,825 $239,944 
Special mention— — — — — — — — 
Substandard— — 542 457 — — — 999 
Total$73,914 $6,939 $18,733 $19,631 $56,587 $63,314 $1,825 $240,943 
YTD Gross Charge-offs$— $— $— $— $— $— $— $— 
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
20242023202220212020PriorCost BasisTotal
Commercial real estate -
Non Residential Non-Owner Occupied
Pass$76,051 $110,212 $115,753 $92,783 $53,513 $213,886 $16,284 $678,482 
Special mention— — 839 92 486 24,108 — 25,525 
Substandard73 15 — 139 — 3,031 — 3,258 
Total$76,124 $110,227 $116,592 $93,014 $53,999 $241,025 $16,284 $707,265 
YTD Gross Charge-offs$— $— $— $— $— $3 $— $3 
Commercial real estate -
Non Residential Owner Occupied
Pass$23,376 $45,011 $28,830 $38,061 $15,154 $58,846 $3,938 $213,216 
Special mention— — — — — 2,029 — 2,029 
Substandard— 3,713 842 1,950 1,167 10,221 359 18,252 
Total$23,376 $48,724 $29,672 $40,011 $16,321 $71,096 $4,297 $233,497 
YTD Gross Charge-offs$— $— $— $— $— $1,800 $— $1,800 
Commercial real estate -
Total
Pass$260,313 $238,984 $279,562 $209,025 $150,213 $518,042 $32,346 $1,688,485 
Special mention— — 1,019 92 1,327 26,751 — 29,189 
Substandard73 3,728 3,073 2,958 1,479 39,279 359 50,949 
Total$260,386 $242,712 $283,654 $212,075 $153,019 $584,072 $32,705 $1,768,623 
YTD Gross Charge-offs$— $— $— $— $— $1,980 $— $1,980 
Residential real estate
Performing$230,045 $209,641 $355,495 $283,509 $223,004 $451,144 $67,949 $1,820,787 
Non-performing179 91 44 628 — 1,521 360 2,823 
Total$230,224 $209,732 $355,539 $284,137 $223,004 $452,665 $68,309 $1,823,610 
YTD Gross Charge-offs$— $— $89 $— $4 $220 $110 $423 
Home equity
Performing$31,751 $25,164 $11,344 $5,232 $2,832 $7,346 $115,311 $198,980 
Non-performing— — — — — — 212 212 
Total$31,751 $25,164 $11,344 $5,232 $2,832 $7,346 $115,523 $199,192 
YTD Gross Charge-offs$— $— $— $— $27 $162 $39 $228 
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
20242023202220212020PriorCost BasisTotal
Consumer
Performing$17,621 $21,062 $11,628 $2,374 $1,456 $1,180 $2,495 $57,816 
Non-performing— — — — — — — — 
Total$17,621 $21,062 $11,628 $2,374 $1,456 $1,180 $2,495 $57,816 
YTD Gross Charge-offs$4 $45 $40 $4 $10 $78 $1 $182 


Based on the most recent analysis performed, the risk category of loans by class of loans at December 31, 2023 is as follows (in thousands):
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
20232022202120202019PriorCost BasisTotal
Commercial and industrial
Pass$70,494 $47,473 $76,605 $47,688 $21,820 $18,328 $111,546 $393,954 
Special mention— 33 — 2,600 22 — 70 2,725 
Substandard379 2,748 854 775 923 1,538 23,055 30,272 
Total$70,873 $50,254 $77,459 $51,063 $22,765 $19,866 $134,671 $426,951 
Commercial real estate -
1-4 Family
Pass$38,143 $53,907 $32,058 $21,363 $12,073 $29,846 $13,967 $201,357 
Special mention565 451 — 1,167 — 730 250 3,163 
Substandard— 77 — 250 131 1,259 — 1,717 
Total$38,708 $54,435 $32,058 $22,780 $12,204 $31,835 $14,217 $206,237 
Commercial real estate -
Hotels
Pass$47,739 $82,200 $33,560 $3,327 $58,384 $101,740 $305 $327,255 
Special mention— — — — — — — — 
Substandard— — — 4,020 23,604 2,263 — 29,887 
Total$47,739 $82,200 $33,560 $7,347 $81,988 $104,003 $305 $357,142 
Commercial real estate -
Multi-family
Pass$6,925 $21,320 $28,268 $63,750 $38,007 $29,814 $1,081 $189,165 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Total$6,925 $21,320 $28,268 $63,750 $38,007 $29,814 $1,081 $189,165 
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
20232022202120202019PriorCost BasisTotal
Commercial real estate -
Non Residential Non-Owner Occupied
Pass$117,515 $119,382 $99,210 $59,083 $64,332 $156,941 $32,111 $648,574 
Special mention— — 102 731 165 24,747 — 25,745 
Substandard— — 145 2,395 79 3,652 — 6,271 
Total$117,515 $119,382 $99,457 $62,209 $64,576 $185,340 $32,111 $680,590 
Commercial real estate -
Non Residential Owner Occupied
Pass$41,481 $34,320 $42,203 $16,990 $21,772 $52,363 $6,060 $215,189 
Special mention— — 164 — 2,880 431 188 3,663 
Substandard3,957 909 2,010 1,212 1,335 11,792 261 21,476 
Total$45,438 $35,229 $44,377 $18,202 $25,987 $64,586 $6,509 $240,328 
Commercial real estate -
Total
Pass$251,802 $311,129 $235,298 $164,514 $194,569 $370,704 $53,522 $1,581,538 
Special mention565 451 266 1,898 3,045 25,909 438 32,572 
Substandard3,957 986 2,155 7,877 25,148 18,968 261 59,352 
Total$256,324 $312,566 $237,719 $174,289 $222,762 $415,581 $54,221 $1,673,462 
Residential real estate
Performing$234,802 $392,865 $314,617 $250,030 $109,736 $410,925 $72,324 $1,785,299 
Non-performing161 119 183 26 713 1,349 299 2,850 
Total$234,963 $392,984 $314,800 $250,056 $110,449 $412,274 $72,623 $1,788,149 
Home equity
Performing$29,611 $13,921 $6,218 $3,826 $2,510 $5,108 $105,896 $167,090 
Non-performing— — — 14 — — 97 111 
Total$29,611 $13,921 $6,218 $3,840 $2,510 $5,108 $105,993 $167,201 
Consumer
Performing$33,700 $18,293 $4,531 $3,148 $2,120 $1,645 $1,809 $65,246 
Non-performing— — — — — — — — 
Total$33,700 $18,293 $4,531 $3,148 $2,120 $1,645 $1,809 $65,246