XML 66 R54.htm IDEA: XBRL DOCUMENT v3.25.3
LOANS AND ALLOWANCE FOR CREDIT LOSSES - Credit Quality Indicator (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Term Loans Amortized Cost by Origination Year          
2025 $ 263,845   $ 263,845   $ 260,403
2024 260,069   260,069   299,782
2023 274,505   274,505   496,016
2022 444,491   444,491   272,066
2021 252,892   252,892   192,541
Prior 501,292   501,292   380,263
Revolving Loans Amortized Cost 196,282   196,282   166,273
Revolving Loans Converted to Term 8,980   8,980   4,075
Total loans, net of deferred loan fees and costs 2,202,356   2,202,356   2,071,419
Total gross charge-offs          
2025     1   52
2024     177   622
2023     447   746
2022     240   181
2021     882   99
Prior     43   152
Revolving Loans Amortized Cost     17   21
Revolving Loans Converted to Term     0   0
Total 288 $ 305 1,807 $ 1,122 1,873
Commercial and industrial          
Term Loans Amortized Cost by Origination Year          
2025 35,220   35,220   45,060
2024 36,873   36,873   32,419
2023 26,743   26,743   38,803
2022 29,961   29,961   17,520
2021 14,304   14,304   12,746
Prior 26,288   26,288   31,812
Revolving Loans Amortized Cost 133,499   133,499   119,401
Revolving Loans Converted to Term 6,333   6,333   1,760
Total loans, net of deferred loan fees and costs 309,221   309,221   299,521
Total gross charge-offs          
2025     0   0
2024     0   84
2023     0   200
2022     0   6
2021     772   0
Prior     0   0
Revolving Loans Amortized Cost     5   12
Revolving Loans Converted to Term     0   0
Total     777   302
Commercial and industrial | Pass          
Term Loans Amortized Cost by Origination Year          
2025 34,611   34,611   44,130
2024 36,244   36,244   32,157
2023 26,023   26,023   34,862
2022 27,535   27,535   16,787
2021 13,728   13,728   8,326
Prior 18,060   18,060   27,452
Revolving Loans Amortized Cost 122,589   122,589   108,819
Revolving Loans Converted to Term 2,527   2,527   1,380
Total loans, net of deferred loan fees and costs 281,317   281,317   273,913
Commercial and industrial | Special mention          
Term Loans Amortized Cost by Origination Year          
2025 609   609   810
2024 275   275   262
2023 707   707   3,933
2022 2,426   2,426   0
2021 532   532   4,390
Prior 7,644   7,644   3,673
Revolving Loans Amortized Cost 8,189   8,189   10,203
Revolving Loans Converted to Term 3,641   3,641   62
Total loans, net of deferred loan fees and costs 24,023   24,023   23,333
Commercial and industrial | Substandard          
Term Loans Amortized Cost by Origination Year          
2025 0   0   99
2024 334   334   0
2023 13   13   8
2022 0   0   733
2021 44   44   30
Prior 0   0   0
Revolving Loans Amortized Cost 2,721   2,721   379
Revolving Loans Converted to Term 80   80   318
Total loans, net of deferred loan fees and costs 3,192   3,192   1,567
Commercial and industrial | Doubtful          
Term Loans Amortized Cost by Origination Year          
2025 0   0   21
2024 20   20   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
Prior 584   584   687
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 85   85   0
Total loans, net of deferred loan fees and costs 689   689   708
Commercial Mortgages          
Term Loans Amortized Cost by Origination Year          
Total loans, net of deferred loan fees and costs 1,362,040   1,362,040   1,217,004
Total gross charge-offs          
Total 0 0 0 0  
Commercial Mortgages | Construction          
Term Loans Amortized Cost by Origination Year          
2025 17,456   17,456   19,344
2024 28,578   28,578   46,954
2023 37,355   37,355   17,568
2022 14,024   14,024   9,058
2021 8,882   8,882   0
Prior 1,378   1,378   1,536
Revolving Loans Amortized Cost 1,934   1,934   483
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 109,607   109,607   94,943
Total gross charge-offs          
2025     0   0
2024     0   0
2023     0   0
2022     0   0
2021     0   0
Prior     0   0
Revolving Loans Amortized Cost     0   0
Revolving Loans Converted to Term     0   0
Total     0   0
Commercial Mortgages | Construction | Pass          
Term Loans Amortized Cost by Origination Year          
2025 17,456   17,456   19,344
2024 28,578   28,578   46,954
2023 37,355   37,355   17,568
2022 14,024   14,024   9,058
2021 8,882   8,882   0
Prior 1,378   1,378   1,536
Revolving Loans Amortized Cost 1,934   1,934   483
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 109,607   109,607   94,943
Commercial Mortgages | Construction | Special mention          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
Prior 0   0   0
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 0   0   0
Commercial Mortgages | Construction | Substandard          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
Prior 0   0   0
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 0   0   0
Commercial Mortgages | Construction | Doubtful          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
Prior 0   0   0
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 0   0   0
Commercial Mortgages | Owner occupied commercial real estate          
Term Loans Amortized Cost by Origination Year          
2025 34,862   34,862   23,196
2024 23,473   23,473   23,651
2023 22,608   22,608   27,808
2022 26,371   26,371   21,409
2021 20,197   20,197   9,513
Prior 39,626   39,626   34,550
Revolving Loans Amortized Cost 2,734   2,734   2,097
Revolving Loans Converted to Term 43   43   55
Total loans, net of deferred loan fees and costs 169,914   169,914   142,279
Total gross charge-offs          
2025     0   0
2024     0   0
2023     0   0
2022     0   0
2021     0   0
Prior     0   0
Revolving Loans Amortized Cost     0   0
Revolving Loans Converted to Term     0   0
Total     0   0
Commercial Mortgages | Owner occupied commercial real estate | Pass          
Term Loans Amortized Cost by Origination Year          
2025 33,651   33,651   23,196
2024 23,473   23,473   23,185
2023 17,796   17,796   26,945
2022 23,613   23,613   20,979
2021 13,613   13,613   9,513
Prior 35,043   35,043   31,222
Revolving Loans Amortized Cost 734   734   97
Revolving Loans Converted to Term 43   43   55
Total loans, net of deferred loan fees and costs 147,966   147,966   135,192
Commercial Mortgages | Owner occupied commercial real estate | Special mention          
Term Loans Amortized Cost by Origination Year          
2025 1,211   1,211   0
2024 0   0   370
2023 4,716   4,716   0
2022 2,269   2,269   109
2021 6,584   6,584   0
Prior 3,633   3,633   2,206
Revolving Loans Amortized Cost 2,000   2,000   2,000
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 20,413   20,413   4,685
Commercial Mortgages | Owner occupied commercial real estate | Substandard          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   96
2023 96   96   863
2022 489   489   321
2021 0   0   0
Prior 944   944   1,107
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 1,529   1,529   2,387
Commercial Mortgages | Owner occupied commercial real estate | Doubtful          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
Prior 6   6   15
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 6   6   15
Commercial Mortgages | Non-owner occupied commercial real estate          
Term Loans Amortized Cost by Origination Year          
2025 128,042   128,042   97,155
2024 103,508   103,508   111,502
2023 120,260   120,260   273,361
2022 263,425   263,425   149,657
2021 145,662   145,662   98,842
Prior 311,805   311,805   241,792
Revolving Loans Amortized Cost 9,080   9,080   6,696
Revolving Loans Converted to Term 737   737   777
Total loans, net of deferred loan fees and costs 1,082,519   1,082,519   979,782
Total gross charge-offs          
2025     0   0
2024     0   0
2023     0   0
2022     0   0
2021     0   0
Prior     0   0
Revolving Loans Amortized Cost     0   0
Revolving Loans Converted to Term     0   0
Total     0   0
Commercial Mortgages | Non-owner occupied commercial real estate | Pass          
Term Loans Amortized Cost by Origination Year          
2025 125,997   125,997   97,155
2024 103,508   103,508   109,354
2023 114,535   114,535   267,280
2022 247,529   247,529   141,864
2021 138,179   138,179   97,828
Prior 308,293   308,293   233,084
Revolving Loans Amortized Cost 9,080   9,080   6,696
Revolving Loans Converted to Term 737   737   777
Total loans, net of deferred loan fees and costs 1,047,858   1,047,858   954,038
Commercial Mortgages | Non-owner occupied commercial real estate | Special mention          
Term Loans Amortized Cost by Origination Year          
2025 2,045   2,045   0
2024 0   0   0
2023 3,555   3,555   5,935
2022 15,764   15,764   7,793
2021 7,483   7,483   0
Prior 2,901   2,901   7,833
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 31,748   31,748   21,561
Commercial Mortgages | Non-owner occupied commercial real estate | Substandard          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   2,148
2023 2,170   2,170   146
2022 132   132   0
2021 0   0   1,014
Prior 611   611   875
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 2,913   2,913   4,183
Commercial Mortgages | Non-owner occupied commercial real estate | Doubtful          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
Prior 0   0   0
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 0   0   0
Commercial Mortgages | Home equity lines and loans | Special mention          
Term Loans Amortized Cost by Origination Year          
2025         0
2024         0
2023         115
2022         0
2021         0
Prior         0
Revolving Loans Amortized Cost         0
Revolving Loans Converted to Term         0
Total loans, net of deferred loan fees and costs         115
Residential Mortgages          
Term Loans Amortized Cost by Origination Year          
2025 22,492   22,492   21,574
2024 24,123   24,123   20,257
2023 19,138   19,138   55,406
2022 52,105   52,105   55,923
2021 51,780   51,780   64,691
Prior 108,091   108,091   57,128
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 277,729   277,729   274,979
Total gross charge-offs          
2025     0   0
2024     0   0
2023     0   0
2022     0   0
2021     0   0
Prior     0   21
Revolving Loans Amortized Cost     0   0
Revolving Loans Converted to Term     0   0
Total 0 1 0 21 21
Residential Mortgages | Not rated          
Term Loans Amortized Cost by Origination Year          
2025 22,492   22,492   21,574
2024 24,123   24,123   20,257
2023 19,138   19,138   55,321
2022 51,885   51,885   55,152
2021 51,043   51,043   64,471
Prior 106,594   106,594   56,708
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 275,275   275,275   273,483
Residential Mortgages | Special mention          
Term Loans Amortized Cost by Origination Year          
2025 0   0    
2024 0   0    
2023 0   0    
2022 0   0    
2021 426   426    
Prior 0   0    
Revolving Loans Amortized Cost 0   0    
Revolving Loans Converted to Term 0   0    
Total loans, net of deferred loan fees and costs 426   426    
Residential Mortgages | Substandard          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   0
2023 0   0   85
2022 220   220   771
2021 311   311   220
Prior 1,497   1,497   420
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 2,028   2,028   1,496
Consumer Loans          
Term Loans Amortized Cost by Origination Year          
Total loans, net of deferred loan fees and costs 253,366   253,366   279,915
Total gross charge-offs          
Total 288 $ 286 1,030 $ 1,083  
Consumer Loans | Home equity lines and loans          
Term Loans Amortized Cost by Origination Year          
2025 5,721   5,721   13,833
2024 12,474   12,474   10,681
2023 9,170   9,170   14,272
2022 11,893   11,893   4,879
2021 4,315   4,315   2,503
Prior 10,975   10,975   10,454
Revolving Loans Amortized Cost 46,672   46,672   35,131
Revolving Loans Converted to Term 1,852   1,852   1,467
Total loans, net of deferred loan fees and costs 103,072   103,072   93,220
Total gross charge-offs          
2025     0   0
2024     0   0
2023     0   1
2022     0   0
2021     0   0
Prior     0   11
Revolving Loans Amortized Cost     0   1
Revolving Loans Converted to Term     0   0
Total     0   13
Consumer Loans | Home equity lines and loans | Not rated          
Term Loans Amortized Cost by Origination Year          
2025 5,721   5,721   13,833
2024 12,474   12,474   10,657
2023 9,147   9,147   14,094
2022 11,567   11,567   4,879
2021 4,315   4,315   2,503
Prior 10,784   10,784   10,259
Revolving Loans Amortized Cost 46,556   46,556   35,015
Revolving Loans Converted to Term 1,386   1,386   1,252
Total loans, net of deferred loan fees and costs 101,950   101,950   92,492
Consumer Loans | Home equity lines and loans | Special mention          
Term Loans Amortized Cost by Origination Year          
2025 0   0    
2024 0   0    
2023 0   0    
2022 113   113    
2021 0   0    
Prior 0   0    
Revolving Loans Amortized Cost 0   0    
Revolving Loans Converted to Term 0   0    
Total loans, net of deferred loan fees and costs 113   113    
Consumer Loans | Home equity lines and loans | Substandard          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   24
2023 23   23   63
2022 213   213   0
2021 0   0   0
Prior 191   191   195
Revolving Loans Amortized Cost 116   116   116
Revolving Loans Converted to Term 466   466   215
Total loans, net of deferred loan fees and costs 1,009   1,009   613
Consumer Loans | Indirect consumer          
Term Loans Amortized Cost by Origination Year          
2025 18,712   18,712   37,821
2024 29,475   29,475   52,637
2023 38,335   38,335   67,344
2022 46,018   46,018   13,345
2021 7,665   7,665   4,205
Prior 2,949   2,949   2,766
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 143,154   143,154   178,118
Total gross charge-offs          
2025     1   47
2024     157   517
2023     424   525
2022     231   161
2021     107   99
Prior     43   116
Revolving Loans Amortized Cost     0   0
Revolving Loans Converted to Term     0   0
Total     963   1,465
Consumer Loans | Indirect consumer | Not rated          
Term Loans Amortized Cost by Origination Year          
2025 18,712   18,712   37,746
2024 29,171   29,171   52,480
2023 38,024   38,024   67,237
2022 45,731   45,731   13,266
2021 7,628   7,628   4,194
Prior 2,925   2,925   2,726
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 142,191   142,191   177,649
Consumer Loans | Indirect consumer | Substandard          
Term Loans Amortized Cost by Origination Year          
2025 0   0   75
2024 304   304   157
2023 311   311   107
2022 287   287   79
2021 37   37   11
Prior 24   24   40
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 963   963   469
Consumer Loans | Direct consumer          
Term Loans Amortized Cost by Origination Year          
2025 1,340   1,340   2,420
2024 1,565   1,565   1,681
2023 896   896   1,454
2022 694   694   275
2021 87   87   41
Prior 180   180   225
Revolving Loans Amortized Cost 2,363   2,363   2,465
Revolving Loans Converted to Term 15   15   16
Total loans, net of deferred loan fees and costs 7,140   7,140   8,577
Total gross charge-offs          
2025     0   5
2024     20   21
2023     23   20
2022     9   14
2021     3   0
Prior     0   4
Revolving Loans Amortized Cost     12   8
Revolving Loans Converted to Term     0   0
Total     67   72
Consumer Loans | Direct consumer | Not rated          
Term Loans Amortized Cost by Origination Year          
2025 1,337   1,337   2,420
2024 1,565   1,565   1,681
2023 896   896   1,454
2022 694   694   275
2021 87   87   41
Prior 180   180   225
Revolving Loans Amortized Cost 2,353   2,353   2,455
Revolving Loans Converted to Term 14   14   14
Total loans, net of deferred loan fees and costs 7,126   7,126   8,565
Consumer Loans | Direct consumer | Substandard          
Term Loans Amortized Cost by Origination Year          
2025 3   3   0
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
Prior 0   0   0
Revolving Loans Amortized Cost 10   10   10
Revolving Loans Converted to Term 1   1   2
Total loans, net of deferred loan fees and costs $ 14   $ 14   $ 12