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Loans (Tables)
 3 Months Ended
Mar. 31, 2021
Receivables [Abstract]  
Schedule of Portfolio Loans, Purchased Credit Impaired Loans and Purchased Unimpaired Loans
The following tables present net loan balances by segment as of:
 March 31, 2021
(In thousands)Portfolio LoansAcquired Non-PCD LoansPCD LoansTotal
Construction and land development$206,627 $18,465 $2,025 $227,117 
Commercial real estate - owner-occupied868,347 225,785 38,953 1,133,085 
Commercial real estate - non owner-occupied1,116,362 294,128 27,875 1,438,365 
Residential real estate1,088,822 149,762 7,965 1,246,549 
Commercial and financial760,975 84,309 15,529 860,813 
Consumer167,778 5,900 232 173,910 
Paycheck Protection Program547,308 34,345 — 581,653 
Totals$4,756,219 $812,694 $92,579 $5,661,492 
 December 31, 2020
(In thousands)Portfolio LoansAcquired Non-PCD LoansPCD LoansTotal
Construction and land development$216,420 $26,250 $2,438 $245,108 
Commercial real estate - owner occupied854,769 247,090 39,451 1,141,310 
Commercial real estate - non-owner occupied1,043,459 323,273 29,122 1,395,854 
Residential real estate1,155,914 176,105 10,609 1,342,628 
Commercial and financial743,846 94,627 16,280 854,753 
Consumer181,797 6,660 278 188,735 
Paycheck Protection Program515,532 51,429 — 566,961 
Totals$4,711,737 $925,434 $98,178 $5,735,349 
Schedule of Past Due Financing Receivables
The following tables present the status of net loan balances as of March 31, 2021 and December 31, 2020. Loans on short-term payment deferral at the reporting date are reported as current.
 March 31, 2021
(In thousands)CurrentAccruing
30-59 Days
Past Due		Accruing
60-89 Days
Past Due		Accruing
Greater
Than
90 Days		NonaccrualTotal
Portfolio Loans      
Construction and land development$206,473 $— $— $— $154 $206,627 
Commercial real estate - owner-occupied865,373 732 — — 2,242 868,347 
Commercial real estate - non owner-occupied1,114,278 — — — 2,084 1,116,362 
Residential real estate1,073,848 4,344 1,078 720 8,832 1,088,822 
Commercial and financial755,349 1,144 36 1 4,445 760,975 
Consumer166,587 768 — — 423 167,778 
Paycheck Protection Program
547,308 — — — — 547,308 
Total Portfolio Loans$4,729,216 $6,988 $1,114 $721 $18,180 $4,756,219 
Acquired Non-PCD Loans
Construction and land development$18,465 $— $— $— $— $18,465 
Commercial real estate - owner-occupied223,758 — — — 2,027 225,785 
Commercial real estate - non owner-occupied293,148 — — — 980 294,128 
Residential real estate145,347 596 104 — 3,715 149,762 
Commercial and financial83,671 — — — 638 84,309 
Consumer5,900 — — — — 5,900 
Paycheck Protection Program
34,345 — — — — 34,345 
 Total Acquired Non-PCD Loans$804,634 $596 $104 $— $7,360 $812,694 
PCD Loans
Construction and land development$2,017 $— $— $— $8 $2,025 
Commercial real estate - owner-occupied36,057 — — — 2,896 38,953 
Commercial real estate - non owner-occupied23,068 — — — 4,807 27,875 
Residential real estate6,899 — — — 1,066 7,965 
Commercial and financial14,518 — — — 1,011 15,529 
Consumer232 — — — — 232 
Total PCD Loans$82,791 $— $— $— $9,788 $92,579 
Total Loans$5,616,641 $7,584 $1,218 $721 $35,328 $5,661,492 
 
 December 31, 2020
(In thousands)CurrentAccruing
30-59 Days
Past Due		Accruing
60-89 Days
Past Due		Accruing
Greater
Than
90 Days		NonaccrualTotal
Portfolio Loans      
Construction and land development$216,262 $— $— $— $158 $216,420 
Commercial real estate - owner occupied851,222 1,076 — — 2,471 854,769 
Commercial real estate - non-owner occupied1,041,306 — — — 2,153 1,043,459 
Residential real estate1,142,893 3,002 1,427 61 8,531 1,155,914 
Commercial and financial737,362 135 1,967 — 4,382 743,846 
Consumer180,879 203 138 2 575 181,797 
Paycheck Protection Program515,532 — — — — 515,532 
 Total Portfolio Loans$4,685,456 $4,416 $3,532 $63 $18,270 $4,711,737 
Acquired Non-PCD Loans
Construction and land development$26,250 $— $— $— $— $26,250 
Commercial real estate - owner occupied244,486 — — — 2,604 247,090 
Commercial real estate - non-owner occupied322,264 — — — 1,009 323,273 
Residential real estate171,507 1,605 104 — 2,889 176,105 
Commercial and financial93,223 216 — — 1,188 94,627 
Consumer6,640 20 — — — 6,660 
Paycheck Protection Program51,429 — — — — 51,429 
 Total Acquired Non-PCD Loans$915,799 $1,841 $104 $— $7,690 $925,434 
PCD Loans
Construction and land development$2,429 $— $— $— $9 $2,438 
Commercial real estate - owner occupied36,345 — — — 3,106 39,451 
Commercial real estate - non-owner occupied24,200 — — — 4,922 29,122 
Residential real estate9,537 — — — 1,072 10,609 
Commercial and financial15,121 125 — — 1,034 16,280 
Consumer271 — — — 7 278 
 Total PCD Loans$87,903 $125 $— $— $10,150 $98,178 
Total Loans$5,689,158 $6,382 $3,636 $63 $36,110 $5,735,349 
Schedule of Nonaccrual Loans by Loan Category
The following tables present net balances of loans on nonaccrual status and the related allowance for credit losses, if any, as of:
March 31, 2021
(In thousands)Nonaccrual Loans With No Related AllowanceNonaccrual Loans With an AllowanceTotal Nonaccrual LoansAllowance for Credit Losses
Construction and land development$144 $18 $162 $7 
Commercial real estate - owner-occupied6,891 274 7,165 274 
Commercial real estate - non owner-occupied3,946 3,925 7,871 1,746 
Residential real estate11,592 2,021 13,613 1,123 
Commercial and financial3,751 2,343 6,094 1,620 
Consumer51 372 423 87 
Totals $26,375 $8,953 $35,328 $4,857 
December 31, 2020
(In thousands)Nonaccrual Loans With No Related AllowanceNonaccrual Loans With an AllowanceTotal Nonaccrual LoansAllowance for Credit Losses
Construction and land development$148 $19 $167 $8 
Commercial real estate - owner-occupied7,893 288 8,181 287 
Commercial real estate - non owner-occupied5,666 2,418 8,084 1,640 
Residential real estate9,520 2,972 12,492 1,587 
Commercial and financial3,175 3,429 6,604 2,235 
Consumer222 360 582 75 
Totals$26,624 $9,486 $36,110 $5,832 
Schedule of Collateral Dependent Loans The following table presents collateral-dependent loans as of:
(In thousands)March 31, 2021December 31, 2020
Construction and land development$181 $189 
Commercial real estate - owner-occupied11,503 11,992 
Commercial real estate - non owner-occupied7,114 7,285 
Residential real estate 17,460 16,652 
Commercial and financial10,475 11,198 
Consumer424 586 
Totals $47,157 $47,902 
Schedule of Risk Categories of Loans by Class of Loans
The following tables present the risk rating of loans by year of origination as of:
March 31, 2021
(In thousands)20212020201920182017PriorRevolvingTotal
Construction and Land Development
Risk Ratings:
Pass$11,721 $61,751 $41,791 $27,743 $12,069 $24,206 $37,615 $216,896 
Special Mention— — — 8,486 — 262 — 8,748 
Substandard— — — — — 1,212 — 1,212 
Substandard Impaired — — — — 37 224 — 261 
Doubtful— — — — — — — — 
Total$11,721 $61,751 $41,791 $36,229 $12,106 $25,904 $37,615 $227,117 
Commercial real estate - owner-occupied
Risk Ratings:
Pass$39,915 $153,127 $195,476 $150,551 $132,555 $412,493 $13,064 $1,097,181 
Special Mention— 5,891 1,839 1,294 — 8,202 — 17,226 
Substandard— — — — 4,152 5,423 — 9,575 
Substandard Impaired — — 2,952 716 1,862 3,573 — 9,103 
Doubtful— — — — — — — — 
Total$39,915 $159,018 $200,267 $152,561 $138,569 $429,691 $13,064 $1,133,085 
Commercial real estate - non owner-occupied
Risk Ratings:
Pass$79,711 $161,211 $311,098 $188,793 $111,807 $510,852 $9,084 $1,372,556 
Special Mention— — 430 9,443 16,575 9,800 — 36,248 
Substandard— — — 9,708 — 11,981 — 21,689 
Substandard Impaired — — 2,397 — — 5,475 — 7,872 
Doubtful— — — — — — — — 
Total$79,711 $161,211 $313,925 $207,944 $128,382 $538,108 $9,084 $1,438,365 
Residential real estate
Risk Ratings:
Pass$21,192 $118,310 $125,666 $174,835 $175,133 $280,387 $327,456 $1,222,979 
Special Mention— 49 — 70 2,069 319 1,579 4,086 
Substandard— — — — — 388 40 428 
Substandard Impaired — 453 1,053 1,342 4,016 10,291 1,901 19,056 
Doubtful— — — — — — — — 
Total$21,192 $118,812 $126,719 $176,247 $181,218 $291,385 $330,976 $1,246,549 
March 31, 2021
(In thousands)20212020201920182017PriorRevolvingTotal
Commercial and financial
Risk Ratings:
Pass$60,114 $218,567 $134,501 $92,551 $56,103 $86,551 $188,805 $837,192 
Special Mention— 67 905 919 293 95 436 2,715 
Substandard— 153 41 2,536 1,560 3,826 254 8,370 
Substandard Impaired — — 4,824 2,970 1,684 2,490 68 12,036 
Doubtful1
— — — 500 — — — 500 
Total$60,114 $218,787 $140,271 $99,476 $59,640 $92,962 $189,563 $860,813 
Consumer
Risk Ratings:
Pass$7,025 $42,871 $37,567 $26,482 $16,226 $27,290 $13,534 $170,995 
Special Mention— — 85 52 25 605 1,276 2,043 
Substandard— — — — 16 — 190 206 
Substandard Impaired — 27 49 9 62 519 — 666 
Doubtful— — — — — — — — 
Total$7,025 $42,898 $37,701 $26,543 $16,329 $28,414 $15,000 $173,910 
Paycheck Protection Program
Risk Ratings:
Pass$232,438 $349,215 $— $— $— $— $— $581,653 
Total$232,438 $349,215 $— $— $— $— $— $581,653 
Consolidated
Risk Ratings:
Pass$452,116 $1,105,052 $846,099 $660,955 $503,893 $1,341,779 $589,558 $5,499,452 
Special Mention— 6,007 3,259 20,264 18,962 19,283 3,291 71,066 
Substandard— 153 41 12,244 5,728 22,830 484 41,480 
Substandard Impaired — 480 11,275 5,037 7,661 22,572 1,969 48,994 
Doubtful1
— — — 500 — — — 500 
Total$452,116 $1,111,692 $860,674 $699,000 $536,244 $1,406,464 $595,302 $5,661,492 
1Loans classified as doubtful are fully reserved as of March 31, 2021.
December 31, 2020
(In thousands)20202019201820172016PriorRevolvingTotal
Construction and Land Development
Risk Ratings:
Pass$62,107 $52,384 $46,067 $15,873 $7,335 $17,873 $35,324 $236,963 
Special Mention206 245 5,918 — — 1,449 — 7,818 
Substandard— — — — — 51 — 51 
Substandard Impaired — — — 37 — 239 — 276 
Doubtful— — — — — — — — 
Total$62,313 $52,629 $51,985 $15,910 $7,335 $19,612 $35,324 $245,108 
Commercial real estate - owner-occupied
Risk Ratings:
Pass$155,953 $198,559 $156,276 $138,341 $148,389 $287,772 $14,255 $1,099,545 
Special Mention5,773 1,858 3,305 — 4,471 4,050 2 19,459 
Substandard— — — 4,709 1,955 5,508 — 12,172 
Substandard Impaired — 3,151 747 1,362 — 4,874 — 10,134 
Doubtful— — — — — — — — 
Total$161,726 $203,568 $160,328 $144,412 $154,815 $302,204 $14,257 $1,141,310 
December 31, 2020
(In thousands)20202019201820172016PriorRevolvingTotal
Commercial real estate - non owner-occupied
Risk Ratings:
Pass$159,299 $313,287 $201,112 $123,357 $175,623 $356,943 $8,596 $1,338,217 
Special Mention— 431 9,487 7,580 10,240 114 — 27,852 
Substandard— — 9,709 — 8,311 3,682 — 21,702 
Substandard Impaired — 2,418 — — 125 5,540 — 8,083 
Doubtful— — — — — — — — 
Total$159,299 $316,136 $220,308 $130,937 $194,299 $366,279 $8,596 $1,395,854 
Residential real estate
Risk Ratings:
Pass$96,819 $144,329 $204,077 $205,046 $160,612 $159,742 $350,502 $1,321,127 
Special Mention— — 33 720 — 966 479 2,198 
Substandard350 — — 896 — 1,452 100 2,798 
Substandard Impaired 109 726 1,520 1,762 715 9,671 2,002 16,505 
Doubtful— — — — — — — — 
Total$97,278 $145,055 $205,630 $208,424 $161,327 $171,831 $353,083 $1,342,628 
Commercial and financial
Risk Ratings:
Pass$214,774 $146,511 $103,769 $60,782 $39,692 $53,758 $204,304 $823,590 
Special Mention71 946 965 5,612 67 635 209 8,505 
Substandard154 41 3,016 1,609 553 3,239 764 9,376 
Substandard Impaired 317 4,595 3,199 2,292 2,074 704 81 13,262 
Doubtful1
— — — — — — 20 20 
Total$215,316 $152,093 $110,949 $70,295 $42,386 $58,336 $205,378 $854,753 
Consumer
Risk Ratings:
Pass$46,476 $43,143 $30,433 $18,937 $21,880 $9,488 $15,089 $185,446 
Special Mention58 27 14 41 42 21 1,854 2,057 
Substandard— — — 42 4 151 228 425 
Substandard Impaired 7 50 193 24 329 183 21 807 
Doubtful— — — — — — — — 
Total$46,541 $43,220 $30,640 $19,044 $22,255 $9,843 $17,192 $188,735 
Paycheck Protection Program
Risk Ratings:
Pass$566,961 $— $— $— $— $— $— $566,961 
Total$566,961 $— $— $— $— $— $— $566,961 
Consolidated
Risk Ratings:
Pass$1,302,389 $898,213 $741,734 $562,336 $553,531 $885,576 $628,070 $5,571,849 
Special Mention6,108 3,507 19,722 13,953 14,820 7,235 2,544 67,889 
Substandard504 41 12,725 7,256 10,823 14,083 1,092 46,524 
Substandard Impaired 433 10,940 5,659 5,477 3,243 21,211 2,104 49,067 
Doubtful1
— — — — — — 20 20 
Total$1,309,434 $912,701 $779,840 $589,022 $582,417 $928,105 $633,830 $5,735,349 
1Loans classified as doubtful are fully reserved at December 31, 2020.
Schedule of Loans Modified
The following table presents the balance of loans with active payment accommodations at the specified dates, excluding PPP loans:
(In thousands)March 31, 2021December 31, 2020
Construction and land development$1,037 $1,032 
Commercial real estate - owner-occupied2,204 14,248 
Commercial real estate - non owner-occupied8,797 32,549 
Residential real estate5,286 12,839 
Commercial and financial9,949 11,915 
Consumer1,135 1,479 
Totals$28,408 $74,062 
Schedule of Troubled Debt Restructuring
The following table presents loans that were modified in a troubled debt restructuring during the three months ended:
Three Months Ended March 31,
20212020
(In thousands)Number of ContractsPre-Modification Outstanding Recorded InvestmentPost-Modification Outstanding Recorded InvestmentNumber of ContractsPre-Modification Outstanding Recorded InvestmentPost-Modification Outstanding Recorded Investment
Construction and land development— $— $— — $— $— 
Commercial real estate - owner-occupied— — — — — — 
Commercial real estate - non owner-occupied— — — — — — 
Residential real estate1 27 27 1 45 45 
Commercial and financial— — — 4 437 437 
Consumer— — — — — — 
Totals1 $27 $27 5 $482 $482