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Loans (Tables)
 9 Months Ended
Sep. 30, 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:
 September 30, 2021
(In thousands)Portfolio LoansAcquired Non-PCD LoansPCD LoansTotal
Construction and land development$190,344 $37,067 $48 $227,459 
Commercial real estate - owner-occupied951,119 218,128 32,089 1,201,336 
Commercial real estate - non owner-occupied1,166,220 428,095 79,272 1,673,587 
Residential real estate1,278,138 181,344 7,847 1,467,329 
Commercial and financial865,064 97,642 19,846 982,552 
Consumer157,916 5,092 11 163,019 
Paycheck Protection Program153,842 36,760 — 190,602 
Totals$4,762,643 $1,004,128 $139,113 $5,905,884 
 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 September 30, 2021 and December 31, 2020. Loans on short-term payment deferral at the reporting date are reported as current.
 September 30, 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$190,310 $— $— $— $34 $190,344 
Commercial real estate - owner-occupied949,282 671 — — 1,166 951,119 
Commercial real estate - non owner-occupied1,164,458 — — — 1,762 1,166,220 
Residential real estate1,267,081 340 35 — 10,682 1,278,138 
Commercial and financial856,579 1,179 99 1,814 5,393 865,064 
Consumer157,468 269 34 — 145 157,916 
Paycheck Protection Program1
153,484 358 — — — 153,842 
Total Portfolio Loans$4,738,662 $2,817 $168 $1,814 $19,182 $4,762,643 
Acquired Non-PCD Loans
Construction and land development$37,067 $— $— $— $— $37,067 
Commercial real estate - owner-occupied217,436 — 692 — — 218,128 
Commercial real estate - non owner-occupied427,170 — — — 925 428,095 
Residential real estate178,504 300 — — 2,540 181,344 
Commercial and financial96,799 334 — — 509 97,642 
Consumer4,639 15 — — 438 5,092 
Paycheck Protection Program1
36,760 — — — — 36,760 
 Total Acquired Non-PCD Loans$998,375 $649 $692 $— $4,412 $1,004,128 
PCD Loans
Construction and land development$42 $— $— $— $6 $48 
Commercial real estate - owner-occupied28,739 — — — 3,350 32,089 
Commercial real estate - non owner-occupied76,768 — — — 2,504 79,272 
Residential real estate6,007 24 — — 1,816 7,847 
Commercial and financial17,678 743 83 — 1,342 19,846 
Consumer11 — — 11 
Total PCD Loans$129,245 $767 $83 $— $9,018 $139,113 
Total Loans$5,866,282 $4,233 $943 $1,814 $32,612 $5,905,884 
1Paycheck Protection Program loans are not reflected as past due when forgiveness applications are being processed by the SBA. Repayment of principal and interest is fully guaranteed by the U.S. government.
 
 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:
September 30, 2021
(In thousands)Nonaccrual Loans With No Related AllowanceNonaccrual Loans With an AllowanceTotal Nonaccrual LoansAllowance for Credit Losses
Construction and land development$40 $— $40 $— 
Commercial real estate - owner-occupied3,490 1,026 4,516 417 
Commercial real estate - non owner-occupied3,739 1,452 5,191 95 
Residential real estate14,345 693 15,038 362 
Commercial and financial3,443 3,801 7,244 2,658 
Consumer33 550 583 550 
Totals $25,090 $7,522 $32,612 $4,082 
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)September 30, 2021December 31, 2020
Construction and land development$31 $189 
Commercial real estate - owner-occupied5,152 11,992 
Commercial real estate - non owner-occupied5,190 7,285 
Residential real estate 15,039 16,652 
Commercial and financial9,302 11,198 
Consumer583 586 
Totals $35,297 $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:
September 30, 2021
(In thousands)20212020201920182017PriorRevolvingTotal
Construction and Land Development
Risk Ratings:
Pass$62,879 $38,326 $38,517 $26,344 $4,771 $20,952 $35,590 $227,379 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Substandard Impaired — — — — — 80 — 80 
Doubtful— — — — — — — — 
Total$62,879 $38,326 $38,517 $26,344 $4,771 $21,032 $35,590 $227,459 
Commercial real estate - owner-occupied
Risk Ratings:
Pass$155,499 $159,752 $186,442 $142,027 $132,413 $385,244 $8,951 $1,170,328 
Special Mention— 6,588 5,416 655 220 5,690 — 18,569 
Substandard— — — 77 3,903 2,770 — 6,750 
Substandard Impaired — — 2,811 256 1,104 1,518 — 5,689 
Doubtful— — — — — — — — 
Total$155,499 $166,340 $194,669 $143,015 $137,640 $395,222 $8,951 $1,201,336 
Commercial real estate - non owner-occupied
Risk Ratings:
Pass$248,842 $201,940 $303,903 $202,400 $123,851 $513,792 $7,203 $1,601,931 
Special Mention— — 2,363 — 1,620 8,397 — 12,380 
Substandard— 4,798 3,856 24,078 1,907 19,446 — 54,085 
Substandard Impaired — — 1,052 — — 4,139 — 5,191 
Doubtful— — — — — — — — 
Total$248,842 $206,738 $311,174 $226,478 $127,378 $545,774 $7,203 $1,673,587 
Residential real estate
Risk Ratings:
Pass$364,563 $119,039 $110,560 $136,044 $132,151 $243,005 $342,581 $1,447,943 
Special Mention— — — 47 — 205 285 537 
Substandard— — — — — 160 35 195 
Substandard Impaired — 488 728 40 5,358 9,335 2,705 18,654 
Doubtful— — — — — — — — 
Total$364,563 $119,527 $111,288 $136,131 $137,509 $252,705 $345,606 $1,467,329 
September 30, 2021
(In thousands)20212020201920182017PriorRevolvingTotal
Commercial and financial
Risk Ratings:
Pass$229,168 $187,063 $107,743 $83,267 $45,562 $60,048 $222,822 $935,673 
Special Mention563 16,137 219 247 275 149 406 17,996 
Substandard— 388 4,502 3,666 1,491 3,333 25 13,405 
Substandard Impaired — — 5,394 4,335 1,698 3,389 662 15,478 
Doubtful— — — — — — — — 
Total$229,731 $203,588 $117,858 $91,515 $49,026 $66,919 $223,915 $982,552 
Consumer
Risk Ratings:
Pass$32,239 $34,927 $30,164 $19,961 $12,050 $18,097 $12,838 $160,276 
Special Mention— 38 90 57 42 50 1,477 1,754 
Substandard— — — 11 35 — 198 244 
Substandard Impaired — 15 59 25 79 129 438 745 
Doubtful— — — — — — — — 
Total$32,239 $34,980 $30,313 $20,054 $12,206 $18,276 $14,951 $163,019 
Paycheck Protection Program
Risk Ratings:
Pass$182,082 $8,520 $— $— $— $— $— $190,602 
Total$182,082 $8,520 $— $— $— $— $— $190,602 
Consolidated
Risk Ratings:
Pass$1,275,272 $749,567 $777,329 $610,043 $450,798 $1,241,138 $629,985 $5,734,132 
Special Mention563 22,763 8,088 1,006 2,157 14,491 2,168 51,236 
Substandard— 5,186 8,358 27,832 7,336 25,709 258 74,679 
Substandard Impaired — 503 10,044 4,656 8,239 18,590 3,805 45,837 
Doubtful— — — — — — — — 
Total$1,275,835 $778,019 $803,819 $643,537 $468,530 $1,299,928 $636,216 $5,905,884 
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 $5,735,349 
1Loans classified as doubtful are fully reserved at December 31, 2020.
Schedule of Loans Modified
The following table presents the balance of loans with active payment accommodations at the specified dates, excluding PPP loans:
(In thousands)September 30, 2021December 31, 2020
Construction and land development$— $1,032 
Commercial real estate - owner-occupied582 14,248 
Commercial real estate - non owner-occupied— 32,549 
Residential real estate610 12,839 
Commercial and financial624 11,915 
Consumer338 1,479 
Totals$2,154 $74,062 
Schedule of Troubled Debt Restructuring
The following table presents loans that were modified in a troubled debt restructuring during the three and nine months ended:
Three Months Ended September 30,
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 152 152 — — — 
Commercial and financial— — — — — — 
Consumer— — — 1 41 41 
Totals1 $152 $152 1 $41 $41 
Nine Months Ended September 30,
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 estate 4 231 231 1 45 45 
Commercial and financial1 142 142 4 437 437 
Consumer— — — 3 88 88 
 Totals 5 $373 $373 8 $570 $570