0001999371-24-005722.txt : 20240507 0001999371-24-005722.hdr.sgml : 20240507 20240507160611 ACCESSION NUMBER: 0001999371-24-005722 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 80 CONFORMED PERIOD OF REPORT: 20240331 FILED AS OF DATE: 20240507 DATE AS OF CHANGE: 20240507 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Western New England Bancorp, Inc. CENTRAL INDEX KEY: 0001157647 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] ORGANIZATION NAME: 02 Finance IRS NUMBER: 731627673 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 001-16767 FILM NUMBER: 24921793 BUSINESS ADDRESS: STREET 1: 141 ELM STREET CITY: WESTFIELD STATE: MA ZIP: 01085 BUSINESS PHONE: 413-568-1911 MAIL ADDRESS: STREET 1: 141 ELM STREET CITY: WESTFIELD STATE: MA ZIP: 01085 FORMER COMPANY: FORMER CONFORMED NAME: WESTFIELD FINANCIAL INC DATE OF NAME CHANGE: 20010816 10-Q 1 wneb-10q_033124.htm QUARTERLY REPORT
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 10-Q

 

☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2024

or

☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from ___________ to ___________

 

Commission File Number: 001-16767

 

Western New England Bancorp, Inc.

(Exact name of registrant as specified in its charter)

 

Massachusetts   73-1627673
       (State or other jurisdiction of incorporation or organization)   (IRS Employer Identification Number)

 

141 Elm Street, Westfield, Massachusetts   01086
(Address of principal executive offices)   (Zip Code)

 

(413) 568-1911

(Registrant’s telephone number, including area code)

 

 

(Former name, former address and former fiscal year, if changed since last report)

 

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class Trading Symbol(s) Name of each exchange on which registered
Common Stock, $0.01 par value per share WNEB NASDAQ

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.  Yes ☒     No ☐

 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).  Yes ☒     No ☐

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer ☐ Accelerated filer ☒
Non-accelerated filer ☐  Smaller reporting company ☒
  Emerging growth company ☐  

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).  Yes ☐    No ☒ 

 

At May 1, 2024 the registrant had 21,627,690 shares of common stock, $0.01 par value, issued and outstanding.

 

 

 

 

 

 

TABLE OF CONTENTS

 

    Page
     
FORWARD-LOOKING STATEMENTS i
     
PART I – FINANCIAL INFORMATION  
     
Item 1. Financial Statements of Western New England Bancorp, Inc. and Subsidiaries (Unaudited)  
     
  Consolidated Balance Sheets – March 31, 2024 and December 31, 2023 1
     
  Consolidated Statements of Net Income – Three Months Ended March 31, 2024 and 2023 2
     
  Consolidated Statements of Comprehensive Income (Loss) – Three Months Ended March 31, 2024 and 2023 3
     
  Consolidated Statements of Changes in Shareholders’ Equity – Three Months Ended March 31, 2024 and 2023 4
     
  Consolidated Statements of Cash Flows – Three Months Ended March 31, 2024 and 2023 5
     
  Notes to Consolidated Financial Statements 6
     
Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations 36
     
Item 3. Quantitative and Qualitative Disclosures About Market Risk 48
     
Item 4. Controls and Procedures 49
     
PART II – OTHER INFORMATION  
     
Item 1. Legal Proceedings 49
     
Item 1A. Risk Factors 49
     
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds 49
     
Item 3. Defaults upon Senior Securities 50
     
Item 4. Mine Safety Disclosures 50
     
Item 5. Other Information 50
     
Item 6. Exhibits 50

 

 

 

FORWARD–LOOKING STATEMENTS

 

 

We may, from time to time, make written or oral “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 with respect to the Company’s financial condition, liquidity, results of operations, future performance, and business. Forward-looking statements may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” and “potential.” Examples of forward-looking statements include, but are not limited to, estimates with respect to our financial condition, results of operations and business that are subject to various factors which could cause actual results to differ materially from these estimates. These factors include, but are not limited to:

 

●unpredictable changes in general economic conditions, financial markets, fiscal, monetary and regulatory policies, including actual or potential stress in the banking industry;
●the duration and scope of potential pandemics, including the emergence of new variants and the response thereto;
●unstable political and economic conditions which could materially impact credit quality trends and the ability to generate loans and gather deposits;
●inflation and governmental responses to inflation, including recent and potential future increases in interest rates that reduce margins;
●the effect on our operations of governmental legislation and regulation, including changes in accounting regulation or standards, the nature and timing of the adoption and effectiveness of new requirements under the Dodd-Frank Act Wall Street Reform and Consumer Protection Act of 2010, Basel guidelines, capital requirements and other applicable laws and regulations;
●significant changes in accounting, tax or regulatory practices or requirements;
●new legal obligations or liabilities or unfavorable resolutions of litigation;
●disruptive technologies in payment systems and other services traditionally provided by banks;
●the highly competitive industry and market area in which we operate;
●changes in business conditions and inflation;
●operational risks or risk management failures by us or critical third parties, including without limitation with respect to data processing, information systems, cybersecurity, technological changes, vendor issues, business interruption, and fraud risks;
●failure or circumvention of our internal controls or procedures;
●changes in the securities markets which affect investment management revenues;
●increases in Federal Deposit Insurance Corporation deposit insurance premiums and assessments;
●the soundness of other financial services institutions which may adversely affect our credit risk;
●certain of our intangible assets may become impaired in the future;
●new lines of business or new products and services, which may subject us to additional risks;
●changes in key management personnel which may adversely impact our operations;
●severe weather, natural disasters, acts of war or terrorism and other external events which could significantly impact our business; and
●other risk factors detailed from time to time in our SEC filings.

 

Investors should consider these risks, uncertainties, and other factors in addition to the factors under the heading “Risk Factors” included in this filing and our other filings with the SEC.

 

Although we believe that the expectations reflected in such forward-looking statements are reasonable, actual results may differ materially from the results discussed in these forward-looking statements. You are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date hereof. We do not undertake any obligation to republish revised forward-looking statements to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events, except to the extent required by law.

 

i

 

PART I – FINANCIAL INFORMATION

 

ITEM 1: FINANCIAL STATEMENTS.

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS - UNAUDITED

(Dollars in thousands, except per share data)

 

   March 31,   December 31, 
   2024   2023 
ASSETS          
Cash and due from banks  $19,244   $20,784 
Federal funds sold   709    2,991 
Interest-bearing deposits and other short-term investments   2,660    5,065 
Cash and cash equivalents   22,613    28,840 
           
Available-for-sale securities, at fair value   138,362    137,115 
Held-to-maturity securities, at amortized cost (Fair value of $181,679 at March 31, 2024 and $187,692 at December 31, 2023)   221,242    223,370 
Marketable equity securities, at fair value   222    196 
Federal Home Loan Bank stock and other restricted stock, at cost   3,105    3,707 
Loans, net of allowance for credit losses of $19,884 at March 31, 2024 and $20,267 at December 31, 2023   2,005,682    2,007,050 
Premises and equipment, net   24,968    25,575 
Accrued interest receivable   8,622    8,528 
Bank-owned life insurance   75,598    75,145 
Deferred tax asset, net   14,278    13,636 
Goodwill   12,487    12,487 
Core deposit intangible   1,719    1,813 
Other assets   28,338    27,109 
TOTAL ASSETS  $2,557,236   $2,564,571 
           
LIABILITIES AND SHAREHOLDERS’ EQUITY          
LIABILITIES:          
Deposits:          
Non-interest-bearing  $559,928   $579,594 
Interest-bearing   1,583,819    1,564,150 
Total deposits   2,143,747    2,143,744 
           
Short-term borrowings   11,470    16,100 
Long-term debt   120,646    120,646 
Subordinated debt   19,722    19,712 
Other liabilities   25,855    26,960 
 TOTAL LIABILITIES   2,321,440    2,327,162 
           
SHAREHOLDERS’ EQUITY:          
Preferred stock - $0.01 par value, 5,000,000 shares authorized, none outstanding at March 31, 2024 and December 31, 2023   —    — 
Common stock - $0.01 par value, 75,000,000 shares authorized, 21,627,690 shares issued and outstanding at March 31, 2024; 21,666,807 shares issued and outstanding at December 31, 2023   216    217 
Additional paid-in capital   125,213    125,448 
Unearned compensation – ESOP   (2,272)   (2,394)
Unearned compensation - Equity Incentive Plan   (2,174)   (1,111)
Retained earnings   138,450    136,993 
Accumulated other comprehensive loss   (23,637)   (21,744)
TOTAL SHAREHOLDERS’ EQUITY   235,796    237,409 
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY  $2,557,236   $2,564,571 

 

See accompanying notes to unaudited consolidated financial statements.

 

1

 

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF NET INCOME – UNAUDITED 

(Dollars in thousands, except per share data)

 

             
   Three Months 
   Ended March 31, 
   2024   2023 
Interest and dividend income:          
Residential and commercial real estate loans  $20,953   $18,252 
Commercial and industrial loans   3,205    3,002 
Consumer loans   83    75 
Debt securities, taxable   2,112    2,076 
Debt securities, tax-exempt   1    2 
Marketable equity securities   1    71 
Other investments   136    106 
Short-term investments   113    54 
Total interest and dividend income   26,604    23,638 
           
Interest expense:          
Deposits   9,293    4,103 
Short-term borrowings   283    703 
Long-term debt   1,428    74 
Subordinated debt   254    254 
Total interest expense   11,258    5,134 
Net interest and dividend income   15,346    18,504 
           
Reversal of credit losses   (550)   (388)
Net interest and dividend income after reversal of credit losses   15,896    18,892 
           
Non-interest income:          
Service charges and fees   2,219    2,187 
Income from bank-owned life insurance   453    440 
Loss on disposal of premises and equipment   (6)   — 
Net unrealized gain on marketable equity securities   8    — 
Gain on non-marketable equity investments   —    352 
Total non-interest income   2,674    2,979 
           
Non-interest expense:          
Salaries and employee benefits   8,244    8,431 
Occupancy   1,363    1,348 
Furniture and equipment   484    486 
Data processing   862    753 
Software   699    514 
Net ATM network   552    490 
Professional fees   569    757 
FDIC insurance assessment   410    352 
Advertising   349    417 
Other expenses   1,250    1,348 
Total non-interest expense   14,782    14,896 
Income before income taxes   3,788    6,975 
Income tax provision   827    1,671 
Net income   $2,961   $5,304 
           
Earnings per common share:          
Basic earnings per share  $0.14   $0.24 
Weighted average shares outstanding   21,180,968    21,699,042 
Diluted earnings per share  $0.14   $0.24 
Weighted average diluted shares outstanding   21,271,323    21,716,869 
Dividends per share  $0.07   $0.07 

 

See accompanying notes to unaudited consolidated financial statements.

 

2

 

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) – UNAUDITED 

(Dollars in thousands)

 

             
   Three Months Ended March 31, 
   2024   2023 
         
Net income  $2,961   $5,304 
           
Other comprehensive income (loss):          
Unrealized gain (loss) on available-for-sale securities:          
Unrealized holding (loss) gain   (2,536)   2,616 
Net amount   (2,536)   2,616 
Tax effect   643    (675)
Net-of-tax amount   (1,893)   1,941 
           
Other comprehensive (loss) income   (1,893)   1,941 
           
Comprehensive income  $1,068   $7,245 

 

See accompanying notes to unaudited consolidated financial statements.

 

3

 

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY - UNAUDITED

THREE MONTHS ENDED MARCH 31, 2024 AND 2023

(Dollars in thousands, except per share data)

 

                                     
   Common Stock                    
  Shares   Par  Value   Additional Paid-in Capital   Unearned Compensation- ESOP   Unearned Compensation- Equity Incentive Plan   Retained Earnings   Accumulated Other Comprehensive Loss      Total  
                                 
BALANCE AT DECEMBER 31, 2022   22,216,789   $222   $128,899   $(2,906)  $(1,012)  $127,982   $(25,042)  $228,143 
Cumulative effect accounting adjustment(1)   —      —      —      —      —      9    —      9 
Comprehensive income   —      —      —      —      —      5,304    1,941    7,245 
Common stock held by ESOP committed to be released (74,993 shares)   —      —      52    128    —      —      —      180 
Share-based compensation - equity incentive plan   —      —      —      —      529    —      —      529 
Forfeited equity incentive plan shares reissued in connection with 2020 LTI performance share grant (19,761 shares)   —      —      180    —      (180)   —      —      —   
Common stock repurchased   (143,896)   (1)   (1,350)   —      —      —      —      (1,351)
Issuance of common stock in connection with equity incentive plan   136,454    1    1,348    —      (1,349)   —      —      —   
Forfeited equity incentive plan shares reissued in connection with 2023 LTI grant (2,742 shares)   —      —      27    —      (27)   —      —      —   
Cash dividends declared and paid on common stock ($0.07 per share)   —      —      —      —      —      (1,533)   —      (1,533)
BALANCE AT MARCH 31, 2023   22,209,347   $222   $129,156   $(2,778)  $(2,039)  $131,762   $(23,101)  $233,222 
                                         
BALANCE AT DECEMBER 31, 2023   21,666,807   $217   $125,448   $(2,394)  $(1,111)  $136,993   $(21,744)  $237,409 
Comprehensive income   —      —      —      —      —      2,961    (1,893)   1,068 
Common stock held by ESOP committed to be released (71,240 shares)   —      —      30    122    —      —      —      152 
Share-based compensation - equity incentive plan   —      —      —      —      505    —      —      505 
Forfeited equity incentive plan shares reissued in connection with 2021 LTI performance share grant (4,219 shares)   —      —      35    —      (35)   —      —      —   
Common stock repurchased   (221,947)   (3)   (1,831)   —      —      —      —      (1,834)
Issuance of common stock in connection with equity incentive plan   182,830    2    1,531    —      (1,533)   —      —      —   
Cash dividends declared and paid on common stock ($0.07 per share)   —      —      —      —      —      (1,504)   —      (1,504)
BALANCE AT MARCH 31, 2024   21,627,690   $216   $125,213   $(2,272)  $(2,174)  $138,450   $(23,637)  $235,796 

 

See accompanying notes to unaudited consolidated financial statements.

 

(1)Represents gross transition adjustment amount of $13,000, net of taxes of $4,000, to reflect the cumulative impact on retained earnings pursuant to the Company’s adoption of Accounting Standards Update (“ASU”) 2016-13 Financial Instruments-Credit Losses on Financial Instruments and relevant amendments.

 

4

 

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS - UNAUDITED

(Dollars in thousands)

 

               
   Three Months Ended March 31, 
   2024   2023 
CASH FLOWS FROM OPERATING ACTIVITIES:          
Net income  $2,961   $5,304 
Adjustments to reconcile net income to net cash provided by (used in) operating activities:          
Reversal of credit losses   (550)   (388)
Depreciation and amortization of premises and equipment   560    562 
Net (accretion) amortization of purchase accounting adjustments   (71)   72 
Amortization of core deposit intangible   94    94 
Net amortization of premiums and discounts on securities and mortgage loans   291    330 
Net amortization of deferred costs on loans   103    106 
Net amortization of premiums on subordinated debt   10    9 
Share-based compensation expense   505    529 
ESOP expense   152    180 
Net change in unrealized gain on marketable equity securities   (8)   — 
Loss on the disposal of premises and equipment   6    — 
Income from bank-owned life insurance   (453)   (440)
Net change in:          
Accrued interest receivable   (94)   131 
Other assets   (1,207)   (1,424)
Other liabilities   (1,127)   (11,043)
Net cash provided by (used in) operating activities   1,172    (5,978)
           
CASH FLOWS FROM INVESTING ACTIVITIES:          
Purchases of held-to-maturity securities   (1,100)   — 
Proceeds from calls, maturities and principal collections of held-to-maturity securities   3,126    3,065 
Purchases of available-for-sale securities and marketable equity securities   (9,362)   — 
Proceeds from calls, maturities, and principal collections of available-for-sale securities   5,374    2,949 
Loan originations and principal payments, net   1,895    (15,770)
Redemption (purchase) of Federal Home Loan Bank of Boston stock   602    (3,821)
Purchases of premises and equipment   19    2 
Proceeds from disposal of premises and equipment   12    — 
Net cash provided by (used in) investing activities   566    (13,575)
           
CASH FLOWS FROM FINANCING ACTIVITIES:          
Net increase (decrease) in deposits   3    (72,315)
Net (decrease) increase in short-term borrowings   (4,630)   57,640 
Proceeds from issuance of long-term debt   —    30,000 
Cash dividends paid on common stock   (1,504)   (1,533)
Common stock repurchased   (1,834)   (1,351)
Net cash (used in) provided by financing activities   (7,965)   12,441 
           
NET CHANGE IN CASH AND CASH EQUIVALENTS:   (6,227)   (7,112)
Beginning of period   28,840    30,342 
End of period  $22,613   $23,230 
           
Supplemental cash flow information:          
Interest paid  $10,153   $4,984 
Taxes paid   627    3,077 

 

See the accompanying notes to unaudited consolidated financial statements.

 

5

 

 

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES

 

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)

 

MARCH 31, 2024

 

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

 

Nature of Operations and Basis of Presentation. Western New England Bancorp, Inc. (“WNEB,” “Company,” “we,” or “us”) is a Massachusetts-chartered stock holding company for Westfield Bank, a federally-chartered savings bank (“Bank”).

 

The Bank operates 25 banking offices in Hampden County and Hampshire County in western Massachusetts and Hartford County and Tolland County in northern Connecticut, and its primary sources of revenue are interest income from loans as well as interest income from investment securities. The West Hartford Financial Services Center serves as the Company’s Connecticut hub, housing Commercial Lending, Cash Management and a Mortgage Loan Officer. The Bank’s deposits are insured up to the maximum Federal Deposit Insurance Corporation (“FDIC”) coverage limits.

 

Wholly-owned Subsidiaries. Elm Street Securities Corporation, WFD Securities, Inc. and CSB Colts, Inc., are Massachusetts-chartered securities corporations, formed for the primary purpose of holding qualified securities. WB Real Estate Holdings, LLC is a Massachusetts-chartered limited liability company that holds real property acquired as security for debts previously contracted by the Bank.

 

Principles of Consolidation. The consolidated financial statements include the accounts of Western New England Bancorp, Inc., the Bank, CSB Colts, Inc., Elm Street Securities Corporation, WB Real Estate Holdings, LLC and WFD Securities, Inc. All material intercompany balances and transactions have been eliminated in consolidation.

 

Estimates. The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of income and expenses for each. Actual results could differ from those estimates. Estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for credit losses and goodwill impairment.

 

Basis of Presentation. In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation of our financial condition as of March 31, 2024, and the results of operations, changes in shareholders’ equity and cash flows for the interim periods presented. The results of operations for the three months ended March 31, 2024 are not necessarily indicative of the results of operations for the year ending December 31, 2024. Certain information and disclosures normally included in financial statements prepared in accordance with U.S. GAAP have been omitted pursuant to the rules and regulations of the Securities and Exchange Commission.

 

On January 1, 2023, the Company adopted ASU 2016-13 Financial Instruments - Credit Losses (Topic326): Measurement of Credit Losses on Financial Instruments, which requires the recognition of the allowance for credit losses be estimated using the current expected credit loss (“CECL”) methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases.

 

These unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements as of and for the year ended December 31, 2023, included in our Annual Report on Form 10-K for the year ended December 31, 2023 (the “2023 Annual Report”).

 

Reclassifications. Amounts in the prior period financial statements are reclassified when necessary to conform to the current year presentation.

 

 

 6

 

 

2. EARNINGS PER SHARE

 

Basic earnings per share represents income available to common shareholders divided by the weighted-average number of common shares outstanding during the period. If rights to dividends on unvested awards are non-forfeitable, these unvested awards are considered outstanding in the computation of basic earnings per share. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by us relate to stock options and certain performance-based restricted stock awards and are determined using the treasury stock method. Unallocated Employee Stock Ownership Plan (“ESOP”) shares are not deemed outstanding for earnings per share calculations. There were no anti-dilutive shares outstanding during the three months ended March 31, 2024 and 2023.

 

Earnings per common share for the three months ended March 31, 2024 and 2023 have been computed based on the following:

 

             
   Three Months Ended 
   March 31, 
   2024   2023 
   (In thousands, except per share data) 
Net income applicable to common stock  $2,961   $5,304 
           
Average number of common shares issued   21,640    22,220 
Less: Average unallocated ESOP Shares   (291)   (367)
Less: Average unvested performance-based equity incentive plan shares   (168)   (154)
           
Average number of common shares outstanding used to calculate basic earnings per common share   21,181    21,699 
           
Effect of dilutive performance-based equity incentive plan shares   90    18 
           
Average number of common shares outstanding used to calculate diluted earnings per common share   21,271    21,717 
Basic earnings per share  $0.14   $0.24 
Diluted earnings per share  $0.14   $0.24 

 

 

3. COMPREHENSIVE INCOME (LOSS)

 

Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income (loss).

 

The components of accumulated other comprehensive loss included in shareholders’ equity are as follows:

 

   March 31, 2024   December 31, 2023 
   (In thousands) 
Net unrealized losses on available-for-sale securities  $(31,702)  $(29,166)
Tax effect   8,065    7,422 
 Net-of-tax amount   (23,637)   (21,744)
           
Accumulated other comprehensive loss  $(23,637)  $(21,744)

 

 

 7

 

 

4.     INVESTMENT SECURITIES

 

Available-for-sale and held-to-maturity investment securities at March 31, 2024 and December 31, 2023 are summarized as follows:

 

   March 31, 2024 
   Amortized
Cost		   Gross
Unrealized
Gains		   Gross
Unrealized
Losses		   Fair Value 
   (In thousands) 
Available-for-sale securities:                    
Debt securities:                    
Government-sponsored enterprise obligations  $14,927   $—   $(3,095)  $11,832 
State and municipal bonds   135    —    (1)   134 
Corporate bonds   5,000    —    (929)   4,071 
Total debt securities   20,062    —    (4,025)   16,037 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   143,410    —    (26,321)   117,089 
 U.S. government guaranteed mortgage-backed securities   6,592    —    (1,356)   5,236 
Total mortgage-backed securities   150,002    —    (27,677)   122,325 
                     
Total available-for-sale   170,064    —    (31,702)   138,362 
                     
Held-to-maturity securities:                    
Debt securities:                    
U.S. Treasury securities   9,997    —    (534)   9,463 
U.S. government guaranteed obligations   1,100    3    —    1,103 
Total debt securities   11,097    3    (534)   10,566 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   210,145    36    (39,068)   171,113 
Total mortgage-backed securities   210,145    36    (39,068)   171,113 
                     
 Total held-to-maturity   221,242    39    (39,602)   181,679 

Total

  $391,306   $39   $(71,304)  $320,041 

 

 8

 

 
   December 31, 2023 
   Amortized Cost   Gross
Unrealized
Gains		   Gross
Unrealized
Losses		   Fair Value 
   (In thousands) 
Available-for-sale securities:                    
Debt securities:                    
Government-sponsored enterprise obligations  $14,924   $—   $(2,898)  $12,026 
State and municipal bonds   135    —    —    135 
Corporate bonds   8,000    —    (1,038)   6,962 
Total debt securities   23,059    —    (3,936)   19,123 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   136,533    —    (23,976)   112,557 
 U.S. government guaranteed mortgage-backed securities   6,689    —    (1,254)   5,435 
Total mortgage-backed securities   143,222    —    (25,230)   117,992 
                     
Total available-for-sale   166,281    —    (29,166)   137,115 
                     

Held-to-maturity securities:

                    
Debt securities:                    
U.S. Treasury securities   9,995    —    (545)   9,450 
Total debt securities   9,995    —    (545)   9,450 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   213,375    107    (35,240)   178,242 
Total mortgage-backed securities   213,375    107    (35,240)   178,242 
                     
 Total held-to-maturity   223,370    107    (35,785)   187,692 

Total

  $389,651   $107   $(64,951)  $324,807 

 

The following table presents the unrealized gains recognized on marketable equity securities for the periods indicated:

 

             
  

Three Months Ended

March 31

 
   2024   2023 
   (In thousands) 
Net gains recognized during the period on marketable equity securities  $8   $— 
Net losses recognized during the period on equity securities sold during the period   —    — 
Unrealized gains recognized during the period on marketable equity securities still held at end of period  $8   $— 

 

 

At March 31, 2024, U.S. Treasury securities with a fair value of $9.5 million, government-sponsored enterprise obligations with a fair value of $7.8 million and mortgage-backed securities with a fair value of $169.4 million were pledged to secure public deposits, the Bank Term Funding Program (“BTFP”) and for other purposes as required or permitted by law. The securities collateralizing public deposits are subject to fluctuations in fair value. We monitor the fair value of the collateral on a periodic basis, and pledge additional collateral if necessary based on changes in fair value of collateral or the balances of such deposits.

 

 9

 

 

The amortized cost and fair value of available-for-sale and held-to-maturity securities at March 31, 2024, by final maturity, are shown below. Actual maturities may differ from contractual maturities because certain issuers have the right to call or prepay obligations.

 

   Available-for-Sale   Held-to-Maturity 
   Amortized Cost   Fair Value   Amortized Cost   Fair Value 
   (In thousands) 
Debt securities:                    
Due in one year or less  $135   $134   $4,994   $4,864 
Due after one year through five years   —    —    5,003    4,599 
Due after five years through ten years   19,927    15,903    —    — 
Due after ten years   —    —    1,100    1,103 
Total debt securities  $20,062   $16,037   $11,097   $10,566 

 

Mortgage-backed securities:                
Due after one year through five years  $962   $916   $—   $— 
Due after five years through ten years   844    767    —    — 
Due after ten years   148,196    120,642    210,145    171,113 
 Total mortgage-backed securities   150,002    122,325    210,145    171,113 
Total securities  $170,064   $138,362   $221,242   $181,679 

 

There were no sales of available-for-sale securities for the three months ended March 31, 2024 and 2023.

 

Allowance for Credit Losses – Available-for-Sale Securities

 

The Company measures expected credit losses on available-for-sale debt securities based upon the gain or loss position of the security. For available-for-sale debt securities in an unrealized loss position which the Company does not intend to sell, and it is not more likely than not that the Company will be required to sell the security before recovery of the Company’s amortized cost, the Company evaluates qualitative criteria to determine any expected loss. This includes among other items the financial health of, and specific prospects for the issuer, including whether the issuer is in compliance with the terms and covenants of the security. The Company also evaluates quantitative criteria including determining whether there has been an adverse change in expected future cash flows of the security. Available-for-sale securities which are guaranteed by government agencies do not currently have an allowance for credit loss as the Company determined these securities are either backed by the full faith and credit of the U.S. government and/or there is an unconditional commitment to make interest payments and to return the principal investment in full to investors when a debt security reaches maturity. In assessing the Company’s investments in government-sponsored and U.S. government guaranteed mortgage-backed securities and government-sponsored enterprise obligations, the contractual cash flows of these investments are guaranteed by the respective government-sponsored enterprise; Federal Home Loan Mortgage Corporation (“FHLMC”), Federal National Mortgage Association (“FNMA”), Federal Farm Credit Bank (“FFCB”), or Federal Home Loan Bank (“FHLB”). Accordingly, it is expected that the securities would not be settled at a price less than the par value of the Company’s investments. The Company will evaluate this position no less than annually, however, certain items which may cause the Company to change this methodology include legislative changes that remove a government-sponsored enterprise’s ability to draw funds from the U.S. government, or legislative changes to housing policy that reduce or eliminate the U.S. government’s implicit guarantee on such securities. Accrued interest receivable on available-for-sale securities guaranteed by government agencies totaled $360,000 at March 31, 2024 and $333,000 at December 31, 2023, and is excluded from the estimate of credit losses. If the Company does not expect to recover the entire amortized cost basis of the security, an allowance for credit losses would be recorded, with a related charge to earnings, limited by the amount of the fair value of the security less its amortized cost. If the Company intends to sell the security or it is more likely than not that the Company will be required to sell the debt security before recovery of its amortized cost basis, the Company recognizes the entire difference between the amortized cost basis of the security and its fair value in earnings. Any impairment that has not been recorded through an allowance for credit loss is recognized in other comprehensive income. Accrued interest receivable on available-for-sale debt securities not guaranteed by government agencies totaled $51,000 at March 31, 2024 and $178,000 at December 31, 2023, and is excluded from the estimate of credit losses. There were no allowance for credit losses established on available-for-sale debt securities during the three months ended March 31, 2024.

 

 10

 

 

Allowance for Credit Losses – Held-to-Maturity Securities

 

The Company measures expected credit losses on held-to-maturity debt securities on a collective basis by security type and risk rating where available. The reserve for each pool is calculated based on a Probability of Default/Loss Given Default basis taking into consideration the expected life of each security. Held-to-maturity securities which are issued by the United States Treasury or are guaranteed by government agencies do not currently have an allowance for credit loss as the Company determined these securities are either backed by the full faith and credit of the U.S. government and/or there is an unconditional commitment to make interest payments and to return the principal investment in full to investors when a debt security reaches maturity. In assessing the Company’s investments in government-sponsored and U.S. government guaranteed mortgage-backed securities and government-sponsored enterprise obligations, the contractual cash flows of these investments are guaranteed by the respective government-sponsored enterprise; FHLMC, FNMA, FFCB, or FHLB. Accordingly, it is expected that the securities would not be settled at a price less than the par value of the Company’s investments. The Company will evaluate this position no less than annually, however, certain items which may cause the Company to change this methodology include legislative changes that remove a government-sponsored enterprise’s ability to draw funds from the U.S. government, or legislative changes to housing policy that reduce or eliminate the U.S. government’s implicit guarantee on such securities. Any expected credit losses on held-to-maturity securities would be presented as an allowance for credit loss. Accrued interest receivable on held-to-maturity securities totaled $482,000 at March 31, 2024 and $454,000 at December 31, 2023, and is excluded from the estimate of credit losses. There were no allowance for credit losses established on held-to-maturity securities during the three months ended March 31, 2024.

 

At March 31, 2024 and December 31, 2023, management attributed the unrealized losses to increases in current market yields compared to the yields at the time the investments were purchased by the Company and not due to credit quality. There was no credit loss during the three months ended March 31, 2024 and March 31, 2023, respectively. At March 31, 2024, there was one available-for-sale corporate bond that was rated below investment grade by one or more ratings agencies, while at December 31, 2023, there were two available-for-sale corporate bonds that were rated below investment grade by one or more ratings agencies. At March 31, 2024, the Company reviewed the financial strength of the one available-for-sale corporate bond below investment grade and concluded that the amortized cost remains supported by the expected future cash flows of the security.

 

Information pertaining to investment securities with gross unrealized losses as of March 31, 2024 and December 31, 2023 for which the Company did not recognize a provision for credit losses under CECL, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows:

 

   March 31, 2024 
   Less Than Twelve Months   Over Twelve Months 
   Number of Securities   Fair Value   Gross Unrealized Loss   Depreciation from Amortized Cost Basis (%)   Number of Securities   Fair Value   Gross Unrealized Loss   Depreciation from Amortized Cost Basis (%) 
   (Dollars in thousands) 
Available-for-sale:                                
Government-sponsored mortgage-backed securities   2   $9,295   $13    0.1%   70   $107,794   $26,308    19.6%
U.S. government guaranteed mortgage-backed securities   —    —    —    —    9    5,236    1,356    20.6 
Government-sponsored enterprise obligations   —    —    —    —    3    11,832    3,095    20.7 
Corporate bonds   —    —    —    —    2    4,071    929    18.6 
State and municipal bonds   1    134    1    0.7    —    —    —    — 
Total available-for-sale   3    9,429    14         84    128,933    31,688      
                                         
Held-to-maturity:                                        
U.S. Treasury securities   —    —    —    —%   2    9,463    534    5.3%
Government-sponsored mortgage-backed securities   3    5,711    80    1.4    37    159,059    38,988    19.7 
Total held-to-maturity   3    5,711    80         39    168,522    39,522      
                                         
Total   6   $15,140   $94         123   $297,455   $71,210      

 

 11

 

 
   December 31, 2023 
   Less Than Twelve Months   Over Twelve Months 
   Number of Securities   Fair Value   Gross Unrealized Loss   Depreciation from Amortized Cost Basis (%)   Number of Securities   Fair Value   Gross Unrealized Loss   Depreciation from Amortized Cost Basis (%) 
   (Dollars in thousands) 
Available-for-sale:                                
Government-sponsored mortgage-backed securities   —   $—   $—    —%   70   $112,557   $23,976    17.6%
U.S. government guaranteed mortgage-backed securities   —    —    —    —    9    5,435    1,254    18.7 
Government-sponsored enterprise obligations   —    —    —    —    3    12,026    2,898    19.4 
Corporate bonds   —    —    —    —    3    6,962    1,038    13.0 
Total available-for-sale   —    —    —         85    136,980    29,166      
                                         
Held-to-maturity:                                        
U.S. Treasury securities   —    —    —    —%   2    9,450    545    5.5%
Government-sponsored mortgage-backed securities   4    7,097    56    0.8    36    164,395    35,184    17.6 
Total held-to-maturity   4    7,097    56         38    173,845    35,729      
                                         
Total   4   $7,097   $56         123   $310,825   $64,895      

 

5.        LOANS AND ALLOWANCE FOR CREDIT LOSSES

 

Major classifications of loans at the periods indicated were as follows:

 

   March 31,   December 31, 
   2024   2023 
   (In thousands) 
Commercial real estate  $1,083,910   $1,079,751 
Residential real estate:          
Residential one-to-four family   615,277    612,315 
Home equity   111,488    109,839 
 Total residential real estate   726,765    722,154 
           
Commercial and industrial   207,307    217,447 
           
Consumer   4,998    5,472 
 Total gross loans   2,022,980    2,024,824 
Unearned premiums and deferred loan fees and costs, net   2,586    2,493 
Total loans, net   2,025,566    2,027,317 
Allowance for credit losses   (19,884)   (20,267)
Net loans  $2,005,682   $2,007,050 

 

Loans Serviced for Others.

 

The Company has transferred a portion of its originated commercial loans to participating lenders. The amounts transferred have been accounted for as sales and are therefore not included in our accompanying consolidated balance sheets. We continue to service the loans on behalf of the participating lenders. We share with participating lenders, on a pro-rata basis, any gains or losses that may result from a borrower’s lack of compliance with contractual terms of the loan. At March 31, 2024 and December 31, 2023, the Company was servicing commercial loans participated out to various other institutions totaling $59.1 million and $65.0 million, respectively.

 

Residential real estate mortgages are originated by the Company both for its portfolio and for sale into the secondary market. The Company may sell its loans to institutional investors such as the FHLMC. Under loan sale and servicing agreements with the investor, the Company generally continues to service the residential real estate mortgages. The Company pays the investor an agreed upon rate on the loan, which is less than the interest rate received from the borrower. The Company retains the difference as a fee for servicing the residential real estate mortgages. The Company capitalizes mortgage servicing rights at their fair value upon sale of the related loans, amortizes the asset over the estimated life of the serviced loan, and periodically assesses the asset for impairment. The significant assumptions used by a third party to estimate the fair value of capitalized servicing rights at March 31, 2024, include weighted average prepayment speed for the portfolio using the Public Securities Association Standard Prepayment Model (104 PSA), weighted average internal rate of return (10.01%), weighted average servicing fee (0.25%), and average cost to service loans ($83.38 per loan). The estimated fair value of capitalized servicing rights may vary significantly in subsequent periods primarily due to changing market interest rates, and their effect on prepayment speeds and discount rates. There were no sales of residential real estate mortgages to the secondary market during the three months ended March 31, 2024.

 

 12

 

 

At March 31, 2024 and December 31, 2023, the Company was servicing residential mortgage loans owned by investors totaling $71.4 million and $72.3 million, respectively. Servicing fee income of $44,000 and $50,000 was recorded for the three months ended March 31, 2024 and 2023, respectively, and is included in service charges and fees on the consolidated statements of net income.

 

A summary of the activity in the balances of mortgage servicing rights follows:

 

         
   Three Months Ended March 31, 
   2024   2023 
   (In thousands) 
Balance at the beginning of year:  $422   $550 
Capitalized mortgage servicing rights   —    — 
Amortization   (22)   (35)
Balance at the end of period  $400   $515 
Fair value at the end of period  $707   $779 

 

Loans are recorded at the principal amount outstanding, adjusted for charge-offs, unearned premiums and deferred loan fees and costs. Interest on loans is calculated using the effective yield method on daily balances of the principal amount outstanding and is credited to income on the accrual basis to the extent it is deemed collectable. Our general policy is to discontinue the accrual of interest when principal or interest payments are delinquent 90 days or more based on the contractual terms of the loan, or earlier if there are concerns regarding the collectability of the loan. Any unpaid amounts previously accrued on these loans are reversed from income. Subsequent cash receipts are applied to the outstanding principal balance or to interest income if, in the judgment of management, collection of the principal balance is not in question. Loans are returned to accrual status when they become current as to both principal and interest and perform in accordance with contractual terms for a period of at least six months, reducing the concern as to the collectability of principal and interest. Loan fees and certain direct loan origination costs are deferred, and the net fee or cost is recognized as an adjustment to interest income over the estimated average lives of the related loans.

 

Allowance for Credit Losses.

 

The allowance for credit losses is an estimate of expected losses inherent within the Company’s existing loans held for investment portfolio. The allowance for credit losses for loans held for investment, as reported in our consolidated balance sheet, is adjusted by a credit loss expense, which is reported in earnings, and reduced by the charge-off of loan amounts, net of recoveries. Accrued interest receivable on loans held for investment was $7.6 million at March 31, 2024 and $7.5 million at December 31, 2023 and is excluded from the estimate of credit losses.

 

The loan loss estimation process involves procedures to appropriately consider the unique characteristics of loan portfolio segments, which consist of commercial real estate loans, residential real estate loans, commercial and industrial loans, and consumer loans. These segments are further disaggregated into loan classes, the level at which credit risk is monitored. For each of these pools, the Company generates cash flow projections at the instrument level wherein payment expectations are adjusted for estimated prepayment speed, curtailments, time to recovery, probability of default, and loss given default. The modeling of expected prepayment speeds, curtailment rates, and time to recovery are based on historical internal data. The quantitative component of the ACL on loans is model-based and utilizes a forward-looking macroeconomic forecast. The Company uses a discounted cash flow method, incorporating probability of default and loss given default forecasted based on statistically derived economic variable loss drivers, to estimate expected credit losses. This process includes estimates which involve modeling loss projections attributable to existing loan balances, and considering historical experience, current conditions, and future expectations for pools of loans over a reasonable and supportable forecast period. The historical information either experienced by the Company or by a selection of peer banks, when appropriate, is derived from a combination of recessionary and non-recessionary performance periods for which data is available.

 

 13

 

 

Commercial real estate loans. Loans in this segment include commercial real estate, multi-family dwellings, owner-occupied commercial real estate and income producing investment properties, as well as commercial construction loans for commercial development projects throughout New England. The underlying cash flows generated by the properties or operations can be adversely impacted by a downturn in the economy due to increased vacancy rates or diminished cash flows, which in turn, would have an effect on the credit quality in this segment. Management obtains financial information annually and continually monitors the cash flows of these loans.

 

Residential real estate loans. This portfolio segment consists of first mortgages, home equity loans, and home equity lines secured by one-to-four family residential properties. First mortgages may be underwritten to a maximum loan-to-value of 97% for owner-occupied homes, 90% for second homes and 85% for investment properties. Mortgages with loan-to-values greater than 80% require private mortgage insurance. We do not grant subprime loans. Home equity loans and lines are secured by first or second mortgages on one-to-four family owner-occupied properties. Equity loans and lines are underwritten to a maximum combined loan-to-value of 85% of the appraised value of the property. Underwriting approval is dependent on review of the borrower’s ability to repay and credit history in accordance with Westfield Bank’s policy. The overall health of the economy, including unemployment rates and housing pricing, will have an effect on the credit quality in this segment.

 

Commercial and industrial loans. Loans in this segment include commercial business loans and are generally secured by assignments of corporate assets and personal guarantees of the business owners. Repayment is expected from the cash flows of the business. A weakened economy, and resultant decreased consumer spending, will have an effect on the credit quality in this segment.

 

Consumer loans. Loans in this segment are both secured and unsecured and repayment is dependent on the credit quality of the individual borrower.

 

Discounted cash flow method (“DCF”)

 

In estimating the component of the allowance for credit losses for loans that share similar risk characteristics with other loans, such loans are segregated into loan classes. Loans are designated into loan classes based on loans pooled by product types and similar risk characteristics or areas of risk concentration. In determining the allowance for credit losses, we derive an estimated credit loss assumption from a model that categorizes loan pools based on loan type and purpose. This model calculates an expected loss percentage for each loan class by considering the probability of default, using life-of-loan analysis periods for all loan segments, and the historical severity of loss, based on the aggregate net lifetime losses incurred per loan class. The default and severity factors used to calculate the allowance for credit losses for loans that share similar risk characteristics with other loans are adjusted for differences between the historical period used to calculate historical default and loss severity rates and expected conditions over the remaining lives of the loans in the portfolio related to: (1) lending policies and procedures; (2) international, national, regional and local economic business conditions and developments that affect the collectability of the portfolio; (3) the nature and volume of the loan portfolio including the terms of the loans; (4) the experience, ability, and depth of the lending management and other relevant staff; (5) the volume and severity of past due and adversely classified loans and the volume of nonaccrual loans; (6) the quality of our loan review system and (7) the value of underlying collateral for collateralized loans. Additional factors include the existence and effect of any concentrations of credit, and changes in the level of such concentrations and the effect of external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the existing portfolio. Such factors are used to adjust the historical probabilities of default and severity of loss so that they reflect management expectation of future conditions based on a reasonable and supportable forecast. The Company uses regression analysis of historical internal and peer data to determine which variables are best suited to be economic variables utilized when modeling lifetime probability of default and loss given default. This analysis also determines how expected probability of default and loss given default will react to forecasted levels of the economic variables.

 

 14

 

 

For all DCF models, management has determined that four quarters represents a reasonable and supportable forecast period and reverts back to a historical loss rate over four quarters on a straight-line basis. Other internal and external indicators of economic forecasts are also considered by management when developing the forecast metrics.

 

Individually evaluated financial assets

 

For a loan that does not share risk characteristics with other loans, expected credit loss is measured based on net realizable value, that is, the difference between the discounted value of the expected future cash flows, based on the original effective interest rate, and the amortized cost basis of the loan. For these loans, we recognize expected credit loss equal to the amount by which the net realizable value of the loan is less than the amortized cost basis of the loan (which is net of previous charge-offs and deferred loan fees and costs), except when the loan is collateral dependent, that is, when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. In these cases, expected credit loss is measured as the difference between the amortized cost basis of the loan and the fair value of the collateral. The fair value of the collateral is adjusted for the estimated cost to sell if repayment or satisfaction of a loan is dependent on the sale (rather than only on the operation) of the collateral.

 

Allowance for credit losses on off-balance sheet credit exposures, including unfunded loan commitments

 

The Company maintains a separate allowance for credit losses from off-balance-sheet credit exposures, including unfunded loan commitments, which is included in other liabilities on the balance sheet. Management estimates the amount of expected losses by calculating a commitment usage factor over the contractual period for exposures that are not unconditionally cancellable by the Company and applying the loss factors used in the ACL methodology to the results of the usage calculation to estimate the liability for credit losses related to unfunded commitments for each loan type. No credit loss estimate is reported for off-balance-sheet credit exposures that are unconditionally cancellable by the Company, such as undrawn amounts under such arrangements that may be drawn prior to the cancellation of the arrangement. The allowance for credit losses on off-balance sheet credit exposures is adjusted as credit loss expense. Categories of off-balance sheet credit exposures correspond to the loan portfolio segments described above. Management evaluates the need for a reserve on unfunded loan commitments in a manner consistent with loans held for investment.

 

An analysis of changes in the allowance for credit losses by segment for the three months ended March 31, 2024 and March 31, 2023 is as follows:

 

   Commercial Real Estate   Residential Real Estate   Commercial and Industrial   Consumer   Unallocated   Total 
   (In thousands) 
                         
Balance at December 31, 2023  $15,141   $2,548   $2,537   $41   $—   $20,267 
Provision (reversal) for credit losses   (398)   (71)   (95)   114    —    (450)
Charge-offs   —    (7)   (1)   (59)   —    (67)
Recoveries   28    11    67    28    —    134 
Balance at March 31, 2024  $14,771   $2,481   $2,508   $124   $—   $19,884 
                               
Allowance for credit losses for off-balance sheet exposures                              
Balance at December 31, 2023  $375   $163   $59   $—   $—   $597 
Provision (reversal) for credit losses   (111)   21    (10)   —    —    (100)
Balance at March 31, 2024  $264   $184   $49   $—   $—   $497 

 

 15

 

 
   Commercial Real Estate   Residential Real Estate   Commercial and Industrial   Consumer   Unallocated   Total 
   (In thousands) 
                         
Balance at December 31, 2022  $12,199   $4,312   $3,160   $245   $15   $19,931 
Cumulative effect of change in accounting principle   3,989    (2,518)   (75)   (199)   (15)   1,182 
Adjusted Beginning Balance  $16,188   $1,794   $3,085    46    —   $21,113 
Provision (reversal) for credit losses   (349)   83    3    31    —    (232)
Charge-offs   (414)   —    (1,413)   (35)   —    (1,862)
Recoveries   —    —    1    11    —    12 
Balance at March 31, 2023  $15,425   $1,877   $1,676   $53   $—   $19,031 
                               

Allowance for credit losses for off-balance sheet exposures

                              
Balance at December 31, 2022  $—   $—   $—   $—   $—   $— 
Cumulative effect of change in accounting principle   611    267    40    —    —    918 
Provision (reversal) for credit losses   (93)   (62)   (1)   —    —    (156)
Balance at March 31, 2023  $518   $205   $39   $—   $—   $762 

 

The $550,000 reversal of credit losses during the three months ended March 31, 2024 was comprised of a $450,000 reversal of credit losses for loans and a $100,000 reversal of credit losses for unfunded commitments. The $100,000 reversal of credit losses for unfunded commitments for the three months ended March 31, 2024 was primarily related to the impact of lower unfunded loan commitments. Total unfunded loan commitments decreased $12.4 million, or 7.6%, to $149.9 million at March 31, 2024 from $162.3 million at December 31, 2023.

 

The provision for credit losses was determined by a number of factors: the continued strong credit performance of the Company’s loan portfolio, changes in the loan portfolio mix and management’s consideration of existing economic conditions and the economic outlook from the Federal Reserve’s actions to control inflation. Management continues to monitor macroeconomic variables related to increasing interest rates, inflation and the concerns of an economic downturn, and believes it is appropriately reserved for the current economic environment and supportable forecast period.

 

Past Due Loans.

 

The following tables present an age analysis of past due loans as of the dates indicated:

 

   30 – 59 Days Past Due   60 – 89 Days Past Due   90 Days or More Past Due  

Total

Past Due Loans

  

Total  

Current Loans

  

Total

Loans

   Nonaccrual Loans 
   (In thousands) 
March 31, 2024                            
Commercial real estate  $522   $3   $799   $1,324   $1,082,586   $1,083,910   $1,035 
Residential real estate:                                   
Residential one-to-four family   1,547    514    800    2,861    612,416    615,277    4,492 
Home equity   347    —    101    448    111,040    111,488    101 
Total:   1,894    514    901    3,309    723,456    726,765    4,593 
Commercial and industrial   60    —    9    69    207,238    207,307    201 
Consumer   7    —    7    14    4,984    4,998    8 
Total loans  $2,483   $517   $1,716   $4,716   $2,018,264   $2,022,980   $5,837 

 

 16

 

 
   30 – 59 Days Past Due   60 – 89 Days Past Due   90 Days or More Past Due  

Total

Past Due Loans

  

Total  

Current Loans

  

Total

Loans

   Nonaccrual Loans 
   (In thousands) 
December 31, 2023                            
Commercial real estate  $272   $647   $403   $1,322   $1,078,429   $1,079,751   $1,347 
Residential real estate:                                   
Residential one-to-four family   2,354    934    881    4,169    608,146    612,315    4,739 
Home equity   263    112    102    477    109,362    109,839    109 
Total:   2,617    1,046    983    4,646    717,508    722,154    4,848 
Commercial and industrial   20    —    8    28    217,419    217,447    218 
Consumer   3    —    —    3    5,469    5,472    8 
Total loans  $2,912   $1,693   $1,394   $5,999   $2,018,825   $2,024,824   $6,421 

 

At March 31, 2024, total past due loans totaled $4.7 million, or 0.23% of total loans, and at December 31, 2023, total past due loans totaled $6.0 million, or 0.30% of total loans.

 

Nonaccrual Loans.

 

Accrual of interest on loans is generally discontinued when contractual payment of principal or interest becomes past due 90 days or, if in management’s judgment, reasonable doubt exists as to the full timely collection of interest. Exceptions may be made if the loan has matured and is in the process of renewal or is well-secured and in the process of collection. When a loan is placed on nonaccrual status, interest accruals cease and uncollected accrued interest is reversed and charged against current interest income. Interest payments on nonaccrual loans are generally applied to principal. If collection of the principal is reasonably assured, interest payments are recognized as income on the cash basis. Loans are generally returned to accrual status when principal and interest payments are current, full collectability of principal and interest is reasonably assured and a consistent record of at least six consecutive months of performance has been achieved.

 

The following table presents information regarding nonaccrual loans as of the dates indicated:

 

                 
   As of March 31, 2024   For the Three Months Ended March 31, 2024 
   Nonaccrual Loans with Allowance for Credit Loss   Nonaccrual Loans Without Allowance for Credit Loss   Total Nonaccrual Loans   Accrued Interest Receivable Reversed from Income 
   (In thousands) 
                 
Commercial real estate  $—   $1,035   $1,035   $24 
Residential real estate:                    
Residential   —    4,492    4,492    55 
Home equity   —    101    101    3 
Commercial and industrial   —    201    201    39 
Consumer   8    —    8    — 
Total loans  $8   $5,829   $5,837   $121 

 

 17

 

 
                 
   As of December 31, 2023   For the Three Months Ended March 31, 2023 
   Nonaccrual Loans with Allowance for Credit Loss   Nonaccrual Loans Without Allowance for Credit Loss   Total Nonaccrual Loans   Accrued Interest Receivable Reversed from Income 
   (In thousands) 
                 
Commercial real estate  $—   $1,347   $1,347   $23 
Residential real estate:                    
Residential   —    4,739    4,739    45 
Home equity   —    109    109    3 
Commercial and industrial   —    218    218    58 
Consumer   —    8    8    — 
Total loans  $—   $6,421   $6,421   $129 

 

At March 31, 2024 and December 31, 2023, nonaccrual loans totaled $5.8 million, or 0.29% of total loans, and $6.4 million, or 0.32%, of total loans, respectively. The Company did not recognize any interest income on nonaccrual loans for the three months ended March 31, 2024 and 2023. At March 31, 2024 and December 31, 2023, there were no commitments to lend additional funds to any borrower on nonaccrual status. At March 31, 2024 and December 31, 2023, there were no loans 90 or more days past due and still accruing interest.

 

Individually Evaluated Collateral Dependent Loans.

 

Loans that do not share similar risk characteristics with loans that are pooled into portfolio segments are individually evaluated. A loan is considered collateral dependent when, based on current information and events, the borrower is experiencing financial difficulty and repayment, both principal and interest, is expected to be provided substantially through the operation or sale of the collateral. Loans that are rated Substandard, have a loan-to-value above 85% or have demonstrated a specific weakness (e.g. slow payment history, industry weakness, or other clear credit deterioration) may be considered for individual evaluation if they are determined not to share similar risk characteristics within the segment. Individually evaluated assets will be measured primarily using the collateral dependent financial asset practical expedient, although the discounted cash flow method may be used when management deems it more appropriate or collateral values cannot be supported. For individually evaluated assets, an ACL is determined separately for each financial asset. At March 31, 2024, the Company had $822,000 in individually evaluated commercial loans, collateralized by business assets, and $14.8 million in individually evaluated real estate loans, collateralized by real estate property.

 

The following table summarizes the Company’s individually evaluated collateral dependent loans by class as of the dates indicated:

 

   As of March 31, 2024 
   Recorded Investment   Related Allowance 
   (In thousands) 
With no related allowance recorded:          
Commercial real estate  $10,063   $— 
Residential real estate:          
Residential one-to-four family   4,665    — 
Home equity   101    — 
Commercial and industrial   305    — 
Consumer   —    — 
Loans with no related allowance recorded  $15,134   $— 
           
With an allowance recorded:          
Commercial real estate  $—   $— 
Residential real estate:          
Residential one-to-four family   —    — 
Home equity   —    — 
Commercial and industrial   517    179 
Consumer   —    — 
Loans with an allowance recorded  $517   $179 
Total individually evaluated loans  $15,651   $179 

 

 18

 

 
   As of December 31, 2023 
   Recorded Investment   Related Allowance 
   (In thousands) 
With no related allowance recorded:          
Commercial real estate  $10,648   $— 
Residential real estate:          
Residential one-to-four family   5,163    — 
Home equity   109    — 
Commercial and industrial   13,273    — 
Consumer   8    — 
Loans with no related allowance recorded  $29,201   $— 
           
With an allowance recorded:          
Commercial real estate  $—   $— 
Residential real estate:          
Residential one-to-four family   —    — 
Home equity   —    — 
Commercial and industrial   517    179 
Consumer   —    — 
Loans with an allowance recorded  $517   $179 
Total individually evaluated loans  $29,718   $179 

 

Modified Loans.

 

Loans are designated as modified when, as part of an agreement to modify the original contractual terms of the loan as a result of financial difficulties of the borrower, the Company grants the borrower a concession on the terms that would not otherwise be considered. Typically, such concessions may consist of a reduction in interest rate to a below market rate, taking into account the credit quality of the note, extension of additional credit based on receipt of adequate collateral, or a deferment or reduction of payments (principal or interest) which materially alters the Company’s position or significantly extends the note’s maturity date, such that the present value of cash flows to be received is materially less than those contractually established at the loan’s origination.

 

There were no loan modifications during the three months ended March 31, 2024 and for the year ended December 31, 2023. During the three months ended March 31, 2024 and 2023, no modified loans defaulted (defined as 30 days or more past due) within 12 months of restructuring. There were no charge-offs on modified loans during the three months ended March 31, 2024 or 2023.

 

Credit Quality Information.

 

The Company utilizes an eight-grade internal loan rating system for commercial real estate and commercial and industrial loans. The Company’s internal credit risk grades are based on the definitions currently utilized by the banking regulatory agencies. The grades assigned and definitions are as follows, and loans graded excellent, above average, good (risk ratings 1-4) are treated as “pass” for grading purposes. All loans risk rated Special Mention (5), Substandard (6), Doubtful (7) and Loss (8) are listed on the Company’s criticized report and are reviewed not less than on a quarterly basis to assess the level of risk and to ensure that appropriate actions are being taken to minimize potential loss exposure. In addition, the Company closely monitors classified loans, defined as Substandard, Doubtful, and loss for signs of deterioration to mitigate the growth in nonaccrual loans, including performing additional due diligence, updating valuations and requiring additional financial reporting from the borrower. Loans identified as containing a loss are partially charged-off or fully charged-off. Performing residential real estate, home equity and consumer loans are grouped with “Pass” rated loans. Nonperforming residential real estate, home equity and consumer loans are risk rated as “Substandard” and individually evaluated.

 

 19

 

 

Loans rated 1 – 4: Loans rated 1-4 represent groups of loans that are not subject to adverse criticism as defined in regulatory guidance. Loans in these groups exhibit characteristics that represent acceptable risk.

 

Loans rated 5: Loans rated 5 are considered “Special Mention” and may exhibit potential credit weaknesses or downward trends and are being monitored by management. Loans in this category are currently protected based on collateral and repayment capacity and do not constitute undesirable credit risk, but have potential weakness that may result in deterioration of the repayment process at some future date. This classification is used if a negative trend is evident in the obligor’s financial situation. Special Mention loans do not sufficiently expose the Company to warrant adverse classification.

 

Loans rated 6: Loans rated 6 are considered “Substandard.” A loan is classified as Substandard if the borrower exhibits a well-defined weakness and may be inadequately protected by the current net worth and cash flow capacity to pay the current debt.

 

Loans rated 7: Loans rated 7 are considered “Doubtful.” Loans classified as Doubtful have all the weaknesses inherent in those classified Substandard with the added characteristic that the weaknesses make collection or liquidation of the loan highly questionable and improbable. The possibility of some loss is extremely high, but because of specific pending factors that may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined.

 

Loans rated 8: Loans rated 8 are considered uncollectible. The loss classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off the asset because recovery and collection time may be affected in the future.

 

On an annual basis, or more often if needed, we formally review the ratings on all commercial real estate and commercial and industrial loans. In addition, management utilizes delinquency reports, the criticized loan report and other loan reports to monitor credit quality. In addition, at least on an annual basis, the Company contracts with an external loan review company to review the internal credit ratings assigned to loans in the commercial loan portfolio on a pre-determined schedule, based on the type, size, rating, and overall risk of the loan. During the course of its review, the third party examines a sample of loans, including new loans, existing relationships over certain dollar amounts and classified assets.

 

The following tables detail the amortized cost balances of the Company’s loan portfolio presented by risk rating and origination year as of the periods presented. In addition, payment activity has been included as an additional credit quality indicator:

 

 20

 

 
                                     
   Term Loan Origination by Year   Revolving Loans     
   March 31, 2024   2023   2022   2021   2020   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
                                     
Commercial Real Estate:                                             
Pass (Rated 1- 4)  $8,558   $43,495   $187,387   $235,012   $111,791   $403,778   $77,388   $—   $1,067,409 
Special Mention (Rated 5)   —    —    —    —    174    3,684    693    —    4,551 
Substandard (Rated 6)   —    —    —    —    8,492    3,458    —    —    11,950 
Total commercial real estate loans  $8,558   $43,495   $187,387   $235,012   $120,457   $410,920   $78,081   $—   $1,083,910 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $8,558   $43,495   $187,387   $235,012   $120,457   $409,885   $78,081   $—   $1,082,875 
Nonperforming   —    —    —    —    —    1,035    —    —    1,035 
                                              
Residential One-to-Four Family:                                             
Pass  $11,361   $57,844   $91,010   $93,134   $123,881   $224,744   $7,904   $—   $609,878 
Substandard   —    —    446    484    872    3,597    —    —    5,399 
Total residential one-to-four family  $11,361   $57,844   $91,456   $93,618   $124,753   $228,341   $7,904   $—   $615,277 
                                              
 Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $11,361   $57,844   $91,010   $93,134   $123,881   $225,651   $7,904   $—   $610,785 
Nonperforming   —    —    446    484    872    2,690    —    —    4,492 
                                              
Home Equity:                                             
Pass  $2,599   $10,003   $10,462   $6,680   $6,849   $11,976   $60,612   $2,206   $111,387 
Substandard   —    —    —    —    —    —    90    11    101 
Total home equity loans  $2,599   $10,003   $10,462   $6,680   $6,849   $11,976   $60,702   $2,217   $111,488 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $7   $—   $—   $7 
                                              
Payment Performance:                                             
Performing  $2,599   $10,003   $10,462   $6,680   $6,849   $11,976   $60,612   $2,206   $111,387 
Nonperforming   —    —    —    —    —    —    90    11    101 

 

 21

 

 
   Term Loans Originated by Year   Revolving Loans     
   March 31, 2024   2023   2022   2021   2020   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
Commercial and Industrial:                                             
Pass (Rated 1- 4)  $6,463   $23,412   $34,411   $30,525   $17,998   $25,793   $53,851   $68   $192,521 
Special Mention (Rated 5)   —    6,200    95    35    —    2,052    2,266    —    10,648 
Substandard (Rated 6)   —    —    —    —    527    74    3,537    —    4,138 
Total commercial and industrial loans  $6,463   $29,612   $34,506   $30,560   $18,525   $27,919   $59,654   $68   $207,307 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $1   $1 
                                              
Payment Performance:                                             
Performing  $6,463   $29,612   $34,506   $30,560   $18,525   $27,913   $59,459   $68   $207,106 
Nonperforming   —    —    —    —    —    6    195    —    201 
                                              
Consumer:                                             
Pass  $299   $1,895   $1,205   $449   $163   $210   $770   $—   $4,991 
Substandard   —    —    —    —    —    7    —    —    7 
Total consumer loans  $299   $1,895   $1,205   $449   $163   $217   $770   $—   $4,998 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $59   $59 
                                              
Payment Performance:                                             
Performing  $299   $1,895   $1,205   $449   $163   $210   $769   $—   $4,990 
Nonperforming   —    —    —    —    —    7    1    —    8 

 

 22

 

 
                                     
   Term Loan Origination by Year   Revolving Loans     
   2023   2022   2021   2020   2019   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
                                     
Commercial Real Estate:                                             
Pass (Rated 1- 4)  $42,764   $175,829   $228,739   $113,631   $91,353   $320,806   $81,483   $9,289   $1,063,894 
Special Mention (Rated 5)   —    —    —    180    915    3,237    164    —    4,496 
Substandard (Rated 6)   —    —    —    8,013    —    3,348    —    —    11,361 
Total commercial real estate loans  $42,764   $175,829   $228,739   $121,824   $92,268   $327,391   $81,647   $9,289   $1,079,751 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $764   $—   $—   $764 
                                              
Payment Performance:                                             
Performing  $42,764   $175,829   $228,739   $121,824   $92,268   $326,044   $81,647   $9,289   $1,078,404 
Nonperforming   —    —    —    —    —    1,347    —    —    1,347 
                                              
Residential One-to-Four Family:                                             
Pass  $59,257   $88,213   $94,290   $125,917   $54,263   $174,688   $10,401   $—   $607,029 
Substandard   —    447    495    445    —    3,899    —    —    5,286 
Total residential one-to-four family  $59,257   $88,660   $94,785   $126,362   $54,263   $178,587   $10,401   $—   $612,315 
                                              
 Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $59,257   $88,213   $94,290   $125,540   $54,263   $175,612   $10,401   $—   $607,576 
Nonperforming   —    447    495    822    —    2,975    —    —    4,739 
                                              
Home Equity:                                             
Pass  $9,937   $10,885   $6,861   $7,108   $5,234   $7,261   $60,115   $2,329   $109,730 
Substandard   —    —    —    —    —    7    90    12    109 
Total home equity loans  $9,937   $10,885   $6,861   $7,108   $5,234   $7,268   $60,205   $2,341   $109,839 
                                              
 Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $9,937   $10,885   $6,861   $7,108   $5,234   $7,261   $60,115   $2,329   $109,730 
Nonperforming   —    —    —    —    —    7    90    12    109 

 

 23

 

 
   Term Loans Originated by Year   Revolving Loans     
   2023   2022   2021   2020   2019   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
Commercial and Industrial:                                             
Pass (Rated 1- 4)  $31,108   $35,705   $26,553   $19,780   $19,765   $8,825   $57,393   $69   $199,198 
Special Mention (Rated 5)   —    101    —    —    8    498    707    —    1,314 
Substandard (Rated 6)   —    —    1,408    8,156    —    85    7,286    —    16,935 
Total commercial and industrial loans  $31,108   $35,806   $27,961   $27,936   $19,773   $9,408   $65,386   $69   $217,447 
                                              
Current period gross charge-offs  $—   $147   $—   $—   $—   $221   $—   $1,193   $1,561 
                                              
Payment Performance:                                             
Performing  $31,108   $35,806   $27,961   $27,936   $19,773   $9,401   $65,175   $69   $217,229 
Nonperforming   —    —    —    —    —    7    211    —    218 
                                              
Consumer:                                             
Pass  $2,168   $1,381   $524   $241   $68   $270   $812   $—   $5,464 
Substandard   —    —    —    —    —    8    —    —    8 
Total consumer loans  $2,168   $1,381   $524   $241   $68   $278   $812   $—   $5,472 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $3   $182   $185 
                                              
Payment Performance:                                             
Performing  $2,168   $1,381   $524   $241   $68   $271   $811   $—   $5,464 
Nonperforming   —    —    —    —    —    7    1    —    8 

 

 24

 

 

6. GOODWILL AND OTHER INTANGIBLES

 

Goodwill

 

Goodwill is measured as the excess of the cost of a business combination over the sum of the amounts assigned to identifiable intangible assets acquired less liabilities assumed. Goodwill is not amortized but rather assessed for impairment annually or more frequently if circumstances warrant. Management has the option of first assessing qualitative factors, such as events and circumstances, to determine whether it is more likely than not, meaning a likelihood of more than 50%, the value of a reporting unit is less than its carrying amount. If, after considering all relevant events and circumstances, management determines it is not more likely than not the fair value of a reporting unit is less than its carrying amount, then performing an impairment test is unnecessary. At March 31, 2024 and December 31, 2023, the Company’s goodwill was related to the acquisition of Chicopee Savings Bank in October 2016. For the three months ended March 31, 2024, management determined that it was not more likely than not the fair value of the reporting unit was less than its carrying amount. If management had determined otherwise, a fair value analysis would have been completed to determine the impairment and necessary write-down of goodwill. For the year ended December 31, 2023, the carrying value of the Company’s equity exceeded its market capitalization for a period in 2023 due to events affecting the banking industry, specifically three large bank failures and the continued impact of higher interest rates, resulting in declines in bank stock prices. Therefore, the Company completed a fair value analysis to assess potential impairment and any necessary write-down of the carrying value of goodwill. Management used valuation multiples from recent comparable whole bank merger and acquisition transactions to determine the estimated fair value of the Company. Based on the results of this analysis, management determined that the fair value of the Company exceeded the carrying value of the reporting unit, and as a result, goodwill was not impaired at December 31, 2023.

 

Core Deposit Intangibles

 

In connection with the acquisition of Chicopee, the Bank recorded a core deposit intangible of $4.5 million, which is amortized over twelve years using the straight-line method. Amortization expense was $94,000 for the three months ended March 31, 2024 and 2023. At March 31, 2024, future amortization of the core deposit intangible totaled $375,000 for each of the next four years and $219,000 thereafter.

 

7. SHARE-BASED COMPENSATION

 

Restricted Stock Awards.

 

In May 2021, the Company’s shareholders approved the 2021 Omnibus Incentive Plan, a stock-based compensation plan (the “2021 Omnibus Plan”). Under the 2021 Omnibus Plan, up to 700,000 shares of the Company’s common stock were reserved for grants of stock awards, including stock options and restricted stock, which may be granted to any officer, key employee or non-employee director of the Company. Any shares that are not issued because vesting requirements are not met will be available for future issuance under the 2021 Omnibus Plan.

 

On an annual basis, the Compensation Committee (the “Committee”) approves long-term incentive awards out of the 2021 Omnibus Plan, whereby shares will be granted to eligible participants of the Company that are nominated by the Chief Executive Officer and approved by the Committee, with vesting over a three-year term for employees and a one-year term for directors. Annual employee grants provide for a periodic award that is both performance and time-based and is designed to recognize the executive’s responsibilities, reward performance and leadership and as a retention tool. The objective of the award is to align compensation for the named executive officers and directors over a multi-year period directly with the interests of our shareholders by motivating and rewarding creation and preservation of long-term financial strength, shareholder value and relative shareholder return.

 

In May 2021, 122,362 shares were granted under the 2021 Long-Term Incentive Plan (the “2021 Incentive Plan”). Of the 122,362 shares, 61,181 shares were time-based, vesting ratably over a three-year period. The remaining 61,181 shares granted are performance-based and are subject to the achievement of the 2021 Incentive Plan performance metrics, with 50% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2021 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and maximum absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.

25 

 

The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows:

 

                      
    Return on Equity Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
December 31, 2021   5.63%   6.25%   7.50%
December 31, 2022   5.85%   6.50%   7.80%
December 31, 2023   6.08%   6.75%   8.10%

 

                      
    

Earnings Per Share Metrics

 
Performance Period Ending   Threshold    Target    Stretch 
                
Three-year Cumulative Diluted Earnings Per Share  $1.58   $1.97   $2.36 
                

 

As of December 31, 2023, the three-year performance period for the 2021 Long-Tern Incentive Plan (the “2021 LTI Plan”) ended. The 2021 LTI Plan included a “catch-up” provision allowing unearned performance-based shares from the 2021 and 2022 performance periods to be earned at the end of the three-year period based on the final year performance. Of the 50,205 performance-based shares granted in 2021 based on achieving target, 69,376 performance-based shares were eligible for vesting during the first quarter of 2024 based on achieving stretch.

 

In March 2022, 137,151 shares were granted under the 2022 Long-Term Incentive Plan (the “2022 Incentive Plan”). Of the 137,151 shares, 77,463 shares were time-based, with 17,775 vesting in one year and 59,688 vesting ratably over a three-year period. The remaining 59,688 shares granted are performance-based and are subject to the achievement of the 2022 Incentive Plan performance metrics, with 50% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2022 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and maximum absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.

 

The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows:

 

                      
    Return on Equity Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
December 31, 2022   7.79%   8.20%   8.61%
December 31, 2023   7.93%   8.35%   8.77%
December 31, 2024   8.03%   8.45%   8.87%

 

                      
    Earnings Per Share Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
Three-year Cumulatzive Diluted Earnings Per Share  $2.35   $2.61   $2.85 

 

26 

 

In March 2023, 139,196 shares were granted under the 2023 Long-Term Incentive Plan (the “2023 Incentive Plan”). Of the 139,196 shares, 78,697 shares were time-based, with 18,198 vesting in one year and 60,499 vesting ratably over a three-year period. The remaining 60,499 shares granted are performance-based and are subject to the achievement of the 2023 Incentive Plan performance metrics, with 50% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2023 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and maximum absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.

 

The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows:

 

                      
    Return on Equity Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
December 31, 2023   8.00%   8.45%   8.85%
December 31, 2024   8.75%   9.25%   9.75%
December 31, 2025   9.00%   9.50%   10.00%

 

                      
    Earnings Per Share Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
Three-year Cumulative Diluted Earnings Per Share  $2.39   $2.65   $2.89 

 

In March 2024, 167,878 shares were granted under the 2024 Long-Term Incentive Plan (the “2024 Incentive Plan”). Of the 167,878 shares, 94,667 shares were time-based, with 21,456 vesting in one year and 73,211 vesting ratably over a three-year period. The remaining 73,211 shares granted are performance-based and are subject to the achievement of the 2024 Incentive Plan performance metrics, with 50% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2024 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and stretch absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.

 

The threshold, target and stretch metrics under the 2024 Incentive Plan are as follows:

 

                      
    Return on Equity Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
December 31, 2024   5.05%   5.61%   6.17%
December 31, 2025   6.18%   6.86%   7.55%
December 31, 2026   7.30%   8.11%   8.92%

 

                      
    

Earnings Per Share Metrics

 
Performance Period Ending   Threshold    Target    Stretch 
                
Three-year Cumulative Diluted Earnings Per Share  $2.25   $2.50   $2.75 

 

At March 31, 2024, there were 121,203 remaining shares available to grant under the 2021 Plan.

27 

 

A summary of the status of restricted stock awards at March 31, 2024 and 2023 is presented below:

 

    Shares  

Weighted Average

Grant Date Fair Value 

($)

 
Balance at December 31, 2023    220,635    9.29 
 Shares granted    187,049    8.38 
 Shares vested    (69,376)   8.34 
Balance at March 31, 2024    338,308    8.98 

 

    Shares  

Weighted Average

Grant Date Fair Value

($)

 
Balance at December 31, 2022    206,092    8.85 
Shares granted    158,957    9.79 
Shares vested    (59,270)   9.11 
Balance at March 31, 2023    305,779    9.29 

 

We recorded total expense for restricted stock awards of $505,000 and $529,000 for the three months ended March 31, 2024 and 2023, respectively.

 

8. SHORT-TERM BORROWINGS AND LONG-TERM DEBT

 

We utilize short-term borrowings and long-term debt as additional sources of funds to finance our lending and investing activities and to provide liquidity for daily operations. Total borrowing capacity includes borrowing arrangements at the FHLB, the Federal Reserve Bank (“FRB”), and borrowing arrangements with correspondent banks.

 

Short-term borrowings can consist of FHLB advances with an original maturity of less than one year, overnight Ideal Way line of credit advances and other borrowings held as collateral for customer swap arrangements. Other borrowings totaled $6.7 million with a weighted average rate of 5.33% at March 31, 2024, compared to $6.1 million with a weighted average rate of 5.33% at December 31, 2023. Short-term borrowings issued by the FHLB were $4.8 million with a weighted average rate of 5.54% at March 31, 2024 and $10.0 million with a weighted average rate of 5.56% at December 31, 2023.

 

FHLB advances provide more pricing and option alternatives for particular asset/liability needs. The FHLB provides a central credit facility primarily for member institutions. As an FHLB member, the Company is required to own capital stock of the FHLB, calculated periodically based primarily on its level of borrowings from the FHLB. FHLB borrowings are secured by certain securities from the Company’s investment portfolio not otherwise pledged as well as certain residential real estate and commercial real estate loans. Advances are made under several different credit programs with different lending standards, interest rates and range of maturities. This relationship is an integral component of the Company’s asset-liability management program. At March 31, 2024, the Bank had $508.1 million in additional borrowing capacity from the FHLB.

 

The Company also has a standing available overnight Ideal Way line of credit with the FHLB of $9.5 million. Interest on this line of credit is payable at a rate determined and reset by the FHLB on a daily basis. The outstanding principal is due daily but the portion not repaid will be automatically renewed. The Company has an available line of credit of $72.2 million with the FRB Discount Window at an interest rate determined and reset on a daily basis. Borrowings from the FRB Discount Window are secured by certain securities from the Company’s investment portfolio not otherwise pledged. As of March 31, 2024 and December 31, 2023, there were no advances outstanding under either of these lines.

 

The Company also has pre-established, non-collateralized overnight borrowing arrangements with large national and regional correspondent banks to provide additional overnight and short-term borrowing capacity for the Company. The Company has a $15.0 million line of credit with a correspondent bank and a $10.0 million line of credit with another correspondent bank, both at an interest rate determined and reset on a daily basis. As of March 31, 2024 and December 31, 2023, there were no advances outstanding under these lines.

 

28 

 

Long-term debt consists of FHLB and FRB advances with an original maturity of one year or more. On March 12, 2023, the FRB made available the BTFP, which enhances the ability of banks to borrow greater amounts against certain high-quality, unencumbered investments at par value. During 2023, the Company participated in the BTFP, which enabled the Company to pay off higher rate FHLB advances. With the BTFP, the Company has the ability to pay off the BTFP advance prior to maturity without incurring a penalty or termination fee. Interest expense on BTFP advances is payable at maturity.

 

At March 31, 2024 and December 31, 2023, long-term debt consisted of $30.6 million in outstanding advances with the FHLB with a weighted average fixed rate of 4.81% and $90.0 million in outstanding advances under the BTFP with a weighted average fixed rate of 4.71%. At March 31, 2024, the Company had no remaining borrowing capacity under the BTFP.

 

9. SUBORDINATED DEBT

 

On April 20, 2021, the Company completed an offering of $20 million in aggregate principal amount of its 4.875% fixed-to-floating rate subordinated notes (the “Notes”) to certain qualified institutional buyers in a private placement transaction. At March 31, 2023, $19.7 million aggregate principle amount of the Notes was outstanding.

 

Unless earlier redeemed, the Notes mature on May 1, 2031. The Notes will bear interest from the initial issue date to, but excluding, May 1, 2026, or the earlier redemption date, at a fixed rate of 4.875% per annum, payable quarterly in arrears on May 1, August 1, November 1 and February 1 of each year, beginning August 1, 2021, and from and including May 1, 2026, but excluding the maturity date or earlier redemption date, equal to the benchmark rate, which is the 90-day average secured overnight financing rate, plus 412 basis points, determined on the determination date of the applicable interest period, payable quarterly in arrears on May 1, August 1, November 1 and February 1 of each year. The Company may also redeem the Notes, in whole or in part, on or after May 1, 2026, and at any time upon the occurrence of certain events, subject in each case to the approval of the Board of Governors of the Federal Reserve System (the “Federal Reserve”). The Notes were designed to qualify as Tier 2 capital under the Federal Reserve’s capital adequacy regulations.

 

The Notes are presented net of issuance costs of $278,000 as of March 31, 2024, which are being amortized into interest expense over the life of the Notes. Amortization of issuance costs into interest expense was $10,000 and $9,000 for the three months ended March 31, 2024 and 2023, respectively.

 

10. DERIVATIVES AND HEDGING ACTIVITIES

 

Risk Management Objective of Using Derivatives.

 

The Company is exposed to certain risks arising from both our business operations and economic conditions. We principally manage our exposures to a wide variety of business and operational risks through management of our core business activities. We manage economic risks, including interest rate, liquidity, and credit risk, primarily by managing the amount, sources, and duration of our assets and liabilities and the use of derivative financial instruments. Specifically, we entered into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. Our derivative financial instruments are used to manage differences in the amount, timing, and duration of our known or expected cash receipts and our known or expected cash payments principally related to certain variable rate loan assets and variable rate borrowings.

 

Fair Value Hedges of Interest Rate Risk.

 

The Company is exposed to changes in the fair value of certain pools of fixed-rate assets due to changes in benchmark interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value on these instruments attributable to changes in the designated benchmark interest rate. The Company's interest rate swaps designated as fair value hedges involve the payment of fixed-rate amounts to a counterparty in exchange for the Company receiving variable-rate payments over the life of the agreements without the exchange of the underlying notional amount. For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in interest income.

29 

 

As of March 31, 2024 and December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges:

 

 

 

Carrying Amount of Hedged

Assets/(Liabilities)

   Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities) 
Item in the Balance Sheet in which the Hedged Item is Included 

At

March 31, 2024

  

At

December 31, 2023

  

At

March 31, 2024

  

At

December 31, 2023

 
   (In thousands) 
     
    Loans  $199,192   $199,393   $(808)  $(607)
Total  $199,192   $199,393   $(808)  $(607)

 

These amounts include the amortized cost basis of closed portfolios of fixed rate residential loans used to designate hedging relationships in which the hedged item is the stated amount of assets in the closed portfolio anticipated to be outstanding for the designated hedged period. At March 31, 2024, the amortized cost basis of the closed portfolios used in these hedging relationships was $454.1 million; the cumulative basis adjustments associated with these hedging relationships was approximately $808,000; and the notional amount of the designated hedged items were $200 million. At December 31, 2023, the amortized cost basis of the closed portfolios used in these hedging relationships was $461.2 million; the cumulative basis adjustments associated with these hedging relationships was approximately $607,000; and the notional amount of the designated hedged items were $200 million. The notional amounts of these agreements do not represent amounts exchanged by the parties and, thus, are not a measure of the potential loss exposure. At March 31, 2024, the Company’s fair value hedges had a remaining maturity of 0.6 years, and an average fixed rate of 4.43%.

 

Non-hedging Derivatives.

 

Derivatives not designated as hedges are not speculative, but rather result from a service the Company provides to certain customers. The Company executes loan-level derivative products such as interest-rate swap agreements with commercial banking customers to aid them in managing their interest-rate risk by converting floating-rate loan payments to fixed-rate loan payments. The Company concurrently enters into offsetting swaps with a third-party financial institution, effectively minimizing the Company’s net risk exposure resulting from such transactions. The third-party financial institution exchanges the customer's fixed-rate loan payments for floating-rate loan payments. As the interest-rate swap agreements associated with this program do not meet hedge accounting requirements, changes in the fair value are recognized directly in earnings.

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Fair Values of Derivative Instruments on the Balance Sheet.

 

The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of March 31, 2024 and December 31, 2023.

 

   Asset Derivatives  Liability Derivatives
March 31, 2024 

Balance Sheet

Location

  Fair Value  

Balance Sheet

Location

  Fair Value 
   (In thousands)
Hedging Derivatives                
Interest rate swaps - fair value hedges     $845      $—  
Derivatives not designated as hedging instruments:                
Interest rate swap – with customer counterparties      —        5,875 
Interest rate swap – with dealer counterparties      5,875       —  
Total derivatives  Other Assets  $6,720   Other Liabilities  $5,875 

 

 

  Asset Derivatives  Liability Derivatives
December 31, 2023 

Balance Sheet

Location

  Fair Value  

Balance Sheet

Location

  Fair Value 
   (In thousands)
Hedging Derivatives                
Interest rate swaps - fair value hedges     $651      $—  
Derivatives not designated as hedging instruments:                
Interest rate swap – with customer counterparties      —        5,239 
Interest rate swap – with dealer counterparties      5,239       —  
Total derivatives  Other Assets  $5,890   Other Liabilities  $5,239 

 

Effect of Derivative Instruments in the Consolidated Statements of Net Income.

 

The table below presents the effect of the Company’s fair value hedge derivative on the statements of net income as of March 31, 2024. There were no fair value hedge derivatives at March 31, 2023.

 

             
   Location and Amount of Gain (Loss) Recognized in Income on  Fair Value Hedging Relationships 
  

Three Months Ended

March 31, 2024

  

Three Months Ended

March 31, 2023

 
   (In thousands) 
     
    Interest Income    Interest Income 
Total amounts of income line items presented in the statements of net income in which the effects of fair value hedges are recorded  $443   $— 
           
Gain (loss) on fair value hedging relationships          
Interest rate contracts:          
Hedged items  $(6)   — 
Derivatives designated as hedging instruments   449    — 

 

There were no gains or losses recognized in accumulated other comprehensive income during the three months ended March 31, 2024.

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Credit-risk-related Contingent Features

 

By using derivative financial instruments, we expose ourselves to credit risk. Credit risk is the risk of failure by the counterparty to perform under the terms of the derivative contract. When the fair value of a derivative contract is positive, the counterparty owes us, which creates credit risk for us. When the fair value of a derivative is negative, we owe the counterparty and, therefore, it does not possess credit risk. The credit risk in derivative instruments is mitigated by entering into transactions with highly-rated counterparties that we believe to be creditworthy and by limiting the amount of exposure to each counterparty.

 

We have agreements with our derivative counterparties that contain a provision where if we default on any of our indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then we could also be declared in default on our derivative obligations. We also have agreements with certain of our derivative counterparties that contain a provision where if we fail to maintain our status as well capitalized, then the counterparty could terminate the derivative positions and we would be required to settle our obligations under the agreements. Certain of our agreements with our derivative counterparties contain provisions where if a formal administrative action by a federal or state regulatory agency occurs that materially changes our creditworthiness in an adverse manner, we may be required to fully collateralize our obligations under the derivative instrument.

 

At March 31, 2024, we had minimum collateral posting thresholds with certain of our derivative counterparties. As of March 31, 2024, we were not required to post collateral under these agreements because we did not have any derivatives in a liability position with those counterparties.

 

11. FAIR VALUE OF ASSETS AND LIABILITIES

 

Determination of Fair Value.

 

We use fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for our various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument.

 

Methods and assumptions for valuing our financial instruments are set forth below. Estimated fair values are calculated based on the value without regard to any premium or discount that may result from concentrations of ownership of a financial instrument, possible tax ramifications or estimated transaction cost.

 

Securities. The securities measured at fair value in Level 1 are based on quoted market prices in an active exchange market. All other securities are measured at fair value in Level 2 and are based on pricing models that consider standard input factors such as observable market data, benchmark yields, interest rate volatilities, broker/dealer quotes, credit spreads and new issue data. These securities include government-sponsored enterprise obligations, state and municipal obligations, corporate bonds, residential mortgage-backed securities guaranteed and sponsored by the U.S. government or an agency thereof. Fair value measurements are obtained from a third-party pricing service and are not adjusted by management.

 

Interest rate swaps. The valuation of our interest rate swaps is obtained from a third-party pricing service and is determined using a discounted cash flow analysis on the expected cash flows of each derivative. The pricing analysis is based on observable inputs for the contractual terms of the derivatives, including the period to maturity and interest rate curves. We have determined that the majority of the inputs used to value our interest rate derivatives fall within Level 2 of the fair value hierarchy.

32 

 

 

Assets and Liabilities Measured at Fair Value on a Recurring Basis.

 

Assets and liabilities measured at fair value on a recurring basis are summarized below:

 

                               
   March 31, 2024 
   Level 1   Level 2   Level 3   Total 
Assets:  (In thousands) 
Available-for-sale securities  $—   $138,362   $—   $138,362 
Marketable equity securities   222    —    —    222 
Interest rate swaps   —    6,720    —    6,720 
Total assets  $222   $145,082   $—   $145,304 
                     
Liabilities:                    
Interest rate swaps  $—   $5,875   $—   $5,875 

 

                               
   December 31, 2023 
   Level 1   Level 2   Level 3   Total 
Assets:  (In thousands) 
Available-for-sale securities  $—   $137,115   $—   $137,115 
Marketable equity securities   196    —    —    196 
Interest rate swaps   —    5,890    —    5,890 
Total assets  $196   $143,005   $—   $143,201 
                     
Liabilities:                    
Interest rate swaps  $—   $5,239   $—   $5,239 

 

There were no transfers to or from Level 1 and 2 for assets measured at fair value on a recurring basis at March 31, 2024 and December 31, 2023.

 

Assets Measured at Fair Value on a Non-recurring Basis.

 

We may also be required, from time to time, to measure certain other financial assets at fair value on a nonrecurring basis in accordance with generally accepted accounting principles. These adjustments to fair value usually result from application of lower-of-cost-or-market accounting or write-downs of individual assets. There were no collateral dependent loans measured at fair value on a nonrecurring basis as of March 31, 2024. The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2023:

 

   At December 31, 2023  

Three Months Ended

March 31, 2023

 
   Level 1   Level 2   Level 3  

Total

Losses

 
   (In thousands)   (In thousands) 
Collateral dependent loans  $—   $—   $1,100   $2,178 

 

The amount of impaired loans represents the carrying value, net of the related write-down or valuation allowance of collateral dependent loans for which adjustments are based on the estimated fair value of the underlying collateral.  The fair value of collateral dependent loans with specific allocations of the allowance for loan losses is generally based on real estate appraisals performed by independent licensed or certified appraisers.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available.  Management will discount appraisals as deemed necessary based on the date of the appraisal and new information deemed relevant to the valuation.  Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value.

 

33

 

 

Summary of Fair Values of Financial Instruments.

 

The estimated fair values of our financial instruments are as follows:

 

                                       
   March 31, 2024 
   Carrying Value   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (In thousands) 
Assets:                    
Cash and cash equivalents  $22,613   $22,613   $—   $—   $22,613 
Securities held-to-maturity   221,242    9,463    172,216    —    181,679 
Securities available-for-sale   138,362    —    138,362    —    138,362 
Marketable equity securities   222    222    —    —    222 
Federal Home Loan Bank of Boston and other restricted stock   3,105    —    —    3,105    3,105 
Loans - net   2,005,682    —    —    1,837,472    1,837,472 
Accrued interest receivable   8,622    —    —    8,622    8,622 
Mortgage servicing rights   400    —    707    —    707 
    Derivative asset   6,720    —    6,720    —    6,720 
                          
Liabilities:                         
Deposits   2,143,747    —    —    2,140,561    2,140,561 
Short-term borrowings   11,470    —    11,459    —    11,459 
Long-term debt   120,646    —    120,459    —    120,459 
Subordinated debt   19,722    —    17,281    —    17,281 
Accrued interest payable   4,414    —    —    4,414    4,414 
Derivative liabilities   5,875    —    5,875    —    5,875 

 

                                       
  

December 31, 2023 

 
   Carrying Value   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (In thousands) 
Assets:                    
Cash and cash equivalents  $28,840   $28,840   $—   $—   $28,840 
Securities held-to-maturity   223,370    9,450    178,242    —    187,692 
Securities available-for-sale   137,115    —    137,115    —    137,115 
Marketable equity securities   196    196    —    —    196 
Federal Home Loan Bank of Boston and other restricted stock   3,707    —    —    3,707    3,707 
Loans - net   2,007,050    —    —    1,841,913    1,841,913 
Accrued interest receivable   8,528    —    —    8,528    8,528 
Mortgage servicing rights   422    —    724    —    724 
    Derivative asset   5,890    —    5,890    —    5,890 
                          
Liabilities:                         
Deposits   2,143,744    —    —    2,140,930    2,140,930 
Short-term borrowings   16,100    —    16,100    —    16,100 
Long-term debt   120,646    —    120,460    —    120,460 
Subordinated debt   19,712    —    17,938    —    17,938 
Accrued interest payable   3,310    —    —    3,310    3,310 
Derivative liabilities   5,239    —    5,239    —    5,239 

 

 

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12. RECENT ACCOUNTING PRONOUNCEMENTS

 

In December 2023, the Financial Accounting Standards Board issued ASU 2023-09, Income Taxes—Improvements to Income Tax Disclosures (Topic 740), which requires entities to disclose specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold. On an annual basis, entities must disclose: (1) the amount of income taxes paid, net of refunds, disaggregated by federal, state, and foreign; and (2) the amount of income taxes paid, net of refunds, disaggregated by individual jurisdictions in which income taxes paid, net of refunds received, for amounts equal to or greater than 5% of total income taxes paid. Further, the amendments also require entities to disclose: (1) income or loss from continued operations before income tax expense (or benefit) disaggregated between domestic and foreign sources; and (2) income or loss from continued operations disaggregated by federal, state, and foreign sources. This ASU, as amended, is effective for the Company in fiscal years beginning after December 15, 2024 and is not expected to have a material impact on the Company’s consolidated financial statements.

 

35

 

 

ITEM 2: MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS.

 

Overview.

 

We strive to remain a leader in meeting the financial service needs of the local community and to provide quality service to the individuals and businesses in the market areas that we have served since 1853. Historically, we have been a community-oriented provider of traditional banking products and services to business organizations and individuals, including products such as residential and commercial real estate loans, commercial and industrial loans, consumer loans and a variety of deposit products. We meet the needs of our local community through a community-based and service-oriented approach to banking.

 

We have adopted a growth-oriented strategy that continues to focus on increasing commercial lending and residential lending. Our strategy also calls for increasing deposit relationships, specifically core deposits (defined below), and broadening our product lines and services. We believe that this business strategy is best for our long-term success and viability, and complements our existing commitment to high-quality customer service.

 

In connection with our overall growth strategy, we seek to:

 

●Increase market share and achieve scale to improve the Company’s profitability and efficiency and return value to shareholders;

 

●Grow the Company’s commercial loan portfolio and related commercial deposits by targeting businesses in our primary market area of Hampden County and Hampshire County in western Massachusetts and Hartford and Tolland Counties in northern Connecticut to increase the net interest margin and loan income;

 

●Supplement the commercial portfolio by growing the residential real estate portfolio to diversify the loan portfolio and deepen customer relationships;

 

●Focus on expanding our retail banking deposit franchise and increase the number of households served within our designated market area;

 

●Invest in people, systems and technology to grow revenue, improve efficiency and enhance the overall customer experience;

 

●Grow revenues, increase book value per share and tangible book value (a non-GAAP financial measure), pay competitive dividends to shareholders and utilize the Company’s stock repurchase plan to leverage our capital and enhance franchise value; and

 

●Consider growth through acquisitions. We may pursue expansion opportunities in existing or adjacent strategic locations with companies that add complementary products to our existing business and at terms that add value to our existing shareholders.

 

You should read the following financial results for the three months ended March 31, 2024 in the context of this strategy.

 

●Net income was $3.0 million, or $0.14 per diluted share, for the three months ended March 31, 2024, compared to net income of $5.3 million, or $0.24 per diluted share, for the three months ended March 31, 2023.

 

●During the three months ended March 31, 2024, the Company recorded a reversal of credit losses of $550,000, compared to a reversal of credit losses of $388,000 during the three months ended March 31, 2023. The Company recorded net recoveries of $67,000 for the three months ended March 31, 2024 and net charge-offs of $1.9 million for the three months ended March 31, 2023. The charge-offs for the three months ended March 31, 2023 were related to one commercial loan relationship acquired on October 21, 2016 from Chicopee Bancorp, Inc. The charge-off represented the nonaccretable credit mark that was required to be grossed-up to the loan’s amortized cost basis with a corresponding increase to the allowance for credit losses under the CECL implementation. There was no impact to earnings as a result of the charge-off.

 

 36

 

 

●Net interest income, our primary driver of revenues, decreased $3.2 million, or 17.1%, to $15.3 million for the three months ended March 31, 2024, from $18.5 million for the three months ended March 31, 2023. The decrease in net interest income was the result of the interest rate paid on interest-bearing liabilities outpacing the increase in the yield on interest-earning assets. Interest expense increased $6.1 million, or 119.3%, while interest and dividend income increased $3.0 million, or 12.5%. The increase in interest expense was a result of the higher cost of interest-bearing liabilities as well as the continued unfavorable shift in the deposit mix from low cost core deposits to high cost time deposits.

 

CRITICAL ACCOUNTING POLICIES.

 

Our consolidated financial statements are prepared in accordance with U.S. GAAP and practices within the banking industry. Application of these principles requires management to make estimates, assumptions, and judgments that affect the amounts reported in the financial statements and accompanying notes. These estimates, assumptions, and judgments are based on information available as of the date of the financial statements; accordingly, as this information changes, the financial statements could reflect different estimates, assumptions, and judgments. Actual results could differ from those estimates.

 

Critical accounting estimates are necessary in the application of certain accounting policies and procedures, and are particularly susceptible to significant change. Critical accounting policies are defined as those that are reflective of significant judgments and uncertainties, and could potentially result in materially different results under different assumptions and conditions.

 

There have been no material changes to our critical accounting policies during the three months ended March 31, 2024. For additional information on our critical accounting policies, please refer to the information contained in Note 1 of the accompanying unaudited consolidated financial statements and Note 1 of the consolidated financial statements included in our 2023 Annual Report.

 

COMPARISON OF FINANCIAL CONDITION AT MARCH 31, 2024 AND DECEMBER 31, 2023

 

At March 31, 2024, total assets were $2.6 billion, a decrease of $7.3 million, or 0.3%, from December 31, 2023. The decrease in total assets was mainly related to a decrease in total loans of $1.8 million, or 0.1%, a decrease in investment securities of $855,000, or 0.2%, to $359.8 million, and a decrease in cash and cash equivalents of $6.2 million, or 21.6%, to $22.6 million.

 

At March 31, 2024 and December 31, 2023, the available-for-sale (“AFS”) and held-to-maturity (“HTM”) securities portfolio represented 14.1% of total assets. At March 31, 2024, the Company’s AFS securities portfolio, recorded at fair market value, increased $1.3 million, or 0.9%, from $137.1 million at December 31, 2023 to $138.4 million. The HTM securities portfolio, recorded at amortized cost, decreased $2.2 million, or 1.0%, from $223.4 million at December 31, 2023 to $221.2 million at March 31, 2024.

 

At March 31, 2024, the Company reported unrealized losses on the AFS securities portfolio of $31.7 million, or 18.6% of the amortized cost basis of the AFS securities portfolio, compared to unrealized losses of $29.2 million, or 17.5% of the amortized cost basis of the AFS securities at December 31, 2023. At March 31, 2024, the Company reported unrealized losses on the HTM securities portfolio of $39.6 million, or 17.9%, of the amortized cost basis of the HTM securities portfolio, compared to $35.7 million, or 16.0% of the amortized cost basis of the HTM securities portfolio at December 31, 2023.

 

The securities in which the Company may invest are limited by regulation. Federally chartered savings banks have authority to invest in various types of assets, including U.S. Treasury obligations, securities of various government-sponsored enterprises, mortgage-backed securities, certain certificates of deposit of insured financial institutions, repurchase agreements, overnight and short-term loans to other banks, corporate debt instruments and marketable equity securities. The securities, with the exception of $4.1 million in corporate bonds, are issued by the United States government or government-sponsored enterprises and are therefore either explicitly or implicitly guaranteed as to the timely payment of contractual principal and interest. These positions are deemed to have no credit impairment, therefore, the disclosed unrealized losses with the securities portfolio relate primarily to changes in prevailing interest rates. In all cases, price improvement in future periods will be realized as the issuances approach maturity.

 

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Management regularly reviews the portfolio for securities in an unrealized loss position. At March 31, 2024 and December 31, 2023, the Company did not record any credit impairment charges on its securities portfolio and attributed the unrealized losses primarily due to fluctuations in general interest rates or changes in expected prepayments and not due to credit quality. The primary objective of the Company’s investment portfolio is to provide liquidity and to secure municipal deposit accounts while preserving the safety of principal. The Company expects to strategically redeploy available cash flows from the securities portfolio to fund loan growth and deposit outflows.

 

At March 31, 2024, total loans decreased $1.8 million, or 0.1%, to $2.0 billion from December 31, 2023. Commercial and industrial loans decreased $10.1 million, or 4.7%. The decrease in commercial and industrial loans was partially offset by an increase in residential real estate loans, including home equity loans, of $4.6 million, or 0.6%, and an increase in commercial real estate loans of $4.2 million, or 0.4%. The decrease in commercial and industrial loans at March 31, 2024 was due to the payoff of one Substandard commercial loan relationship totaling $13.0 million during the three months ended March 31, 2024. All loans where the payments are 90 days or more in arrears as of the closing date of each month are placed on nonaccrual status. If all nonaccrual loans had been performing in accordance with their terms, we would have earned additional interest income of $121,000 and $129,000 for the three months ended March 31, 2024 and 2023, respectively.

 

Total delinquency was 0.23% of total loans at March 31, 2024, compared to 0.30% of total loans at December 31, 2023. At March 31, 2024, nonperforming loans totaled $5.8 million, or 0.29% of total loans, compared to $6.4 million, or 0.32% of total loans, at December 31, 2023. At March 31, 2024 and December 31, 2023, there were no loans 90 or more days past due and still accruing interest. At March 31, 2024 and December 31, 2023, nonperforming assets to total assets was 0.23% and 0.25%, respectively. At March 31, 2024 and December 31, 2023, the Company did not have any other real estate owned.

 

At March 31, 2024, the allowance for credit losses as a percentage of total loans was 0.98%, compared to 1.00% at December 31, 2023. At March 31, 2024, the allowance for credit losses as a percentage of nonperforming loans was 340.7%, compared to 315.6% at December 31, 2023.

 

Total criticized loans, defined as Special Mention and Substandard loans, decreased $2.7 million, or 6.9%, from $39.5 million, or 1.9% of total loans, at December 31, 2023 to $36.8 million, or 1.8%, of total loans at March 31, 2024. We continue to maintain diversity among property types and within our geographic footprint. A summary of our past due and nonaccrual loans by class is listed in Note 5 of the accompanying unaudited consolidated financial statements.

 

Total deposits were $2.1 billion at March 31, 2024 and December 31, 2023. Core deposits, which the Company defines as all deposits except time deposits, decreased $31.9 million, or 2.1%, from $1.5 billion, or 71.5% of total deposits, at December 31, 2023, to $1.5 billion, or 70.0% of total deposits, at March 31, 2024. Money market accounts decreased $9.9 million, or 1.6%, to $624.5 million, non-interest-bearing deposits decreased $19.7 million, or 3.4%, to $559.9 million, interest-bearing checking accounts decreased $5.6 million, or 4.3%, to $125.4 million and savings accounts increased $3.3 million, or 1.8%, to $190.7 million. Time deposits increased $31.8 million, or 5.2%, from $611.4 million at December 31, 2023 to $643.2 million at March 31, 2024. Brokered time deposits, which are included in time deposits, totaled $1.7 million at March 31, 2024 and December 31, 2023.

 

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The table below is a summary of our deposit balances for the periods noted:

 

   March 31,   December 31,   September 30,   June 30,   March 31, 
   2024   2023   2023   2023   2023 
   (Dollars in thousands) 
Core Deposits:                         
Demand accounts  $559,928   $579,595   $593,601   $584,511   $625,656 
Interest bearing accounts   125,377    131,031    152,886    162,823    133,727 
Savings accounts   190,732    187,405    192,321    203,376    218,800 
Money market accounts   624,474    634,361    654,909    672,483    721,219 
Total Core Deposits  $1,500,511   $1,532,392   $1,593,717   $1,623,193   $1,699,402 
                          
Time Deposits   643,236    611,352    582,586    534,781    457,726 
Total Deposits:  $2,143,747   $2,143,744   $2,176,303   $2,157,974   $2,157,128 

 

During the three months ended March 31, 2024, the Company continued to experience an unfavorable shift in deposit mix from low cost core deposits to high cost time deposits as customers continue to migrate to higher deposit rates. The Company continues to focus on the maintenance, development, and expansion of its core deposit base to meet funding requirements and liquidity needs, with an emphasis on retaining a long-term customer relationship base by competing for and retaining deposits in our local market. At March 31, 2024, the Bank’s uninsured deposits represented 26.0% of total deposits, compared to 26.8% at December 31, 2023.

 

At March 31, 2024, total borrowings decreased $4.7 million, or 3.0%, from $156.5 million at December 31, 2023 to $151.8 million. Short-term borrowings decreased $4.6 million, or 28.8%, to $11.5 million, compared to $16.1 million at December 31, 2023. Long-term borrowings were $120.6 million at March 31, 2024 and at December 31, 2023. Long-term borrowings consisted of $30.6 million outstanding with the FHLB and $90.0 million outstanding under the Federal Reserve BTFP at March 31, 2024 and at December 31, 2023. At March 31, 2024 and December 31, 2023, borrowings also consisted of $19.7 million in fixed-to-floating rate subordinated notes.

 

At March 31, 2024, shareholders’ equity was $235.8 million, or 9.2% of total assets, compared to $237.4 million, or 9.3% of total assets, at December 31, 2023. The decrease was primarily attributable to an increase in accumulated other comprehensive loss of $1.9 million, $1.8 million for the repurchase of common stock and cash dividends paid of $1.5 million, partially offset by net income of $3.0 million. At March 31, 2024, total shares outstanding were 21,627,690.

 

The Company’s regulatory capital ratios continue to be strong and in excess of regulatory minimum requirements to be considered well-capitalized as defined by regulators and internal Company targets. The Company’s Total Risk-Based Capital Ratio was 14.7% at March 31, 2024 and December 31, 2023. The Bank’s Tier 1 Leverage Ratio to adjusted average assets was 9.77% at March 31, 2024 and 9.62% at December 31, 2023. The Bank’s tangible common equity (“TCE”) to tangible assets ratio, a non-GAAP financial measure, was 8.85% at March 31, 2024, compared to 8.78% at December 31, 2023. Fluctuations in the TCE ratio were driven by the changes in the unrealized loss on available-for-sale securities. TCE is a non-GAAP measure. See “Explanation of Use of Non-GAAP Financial Measurements” for more information regarding our uses of non-GAAP financial measurements.

 

COMPARISON OF OPERATING RESULTS FOR THE THREE MONTHS ENDED MARCH 31, 2024 AND MARCH 31, 2023

 

General.

 

Net income was $3.0 million, or $0.14 per diluted share, for the three months ended March 31, 2024, compared to net income of $5.3 million, or $0.24 per diluted share, for the three months ended March 31, 2023. Net interest income, our primary driver of revenues, decreased $3.2 million, or 17.1%, to $15.3 million for the three months ended March 31, 2024, from $18.5 million for the three months ended March 31, 2023.

 

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Net Interest and Dividend Income.

 

The following tables set forth the information relating to our average balance and net interest income for the three months ended March 31, 2024 and 2023, and reflect the average yield on interest-earning assets and average cost of interest-bearing liabilities for the periods indicated. Yields and costs are derived by dividing annualized interest income by the average balance of interest-earning assets and annualized interest expense by the average balance of interest-bearing liabilities for the periods shown. The interest rate spread is the difference between the total average yield on interest-earning assets and the cost of interest-bearing liabilities. Net interest margin represents tax-equivalent net interest and dividend income as a percentage of average interest-earning assets. Average balances are derived from actual daily balances over the periods indicated. Interest income includes fees earned when the real estate loans are prepaid or refinanced. For analytical purposes, the interest earned on tax-exempt assets is adjusted to a tax-equivalent basis to recognize the income tax savings which facilitates comparison between taxable and tax-exempt assets.

 

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   Three Months Ended March 31, 
   2024   2023 
   Average       Average Yield/   Average       Average Yield/ 
   Balance   Interest   Cost   Balance   Interest   Cost 
   (Dollars in thousands) 
ASSETS:                        
Interest-earning assets                              
Loans(1)(2)  $2,021,713   $24,351    4.84%  $1,993,124   $21,449    4.36%
Securities(2)   359,493    2,114    2.37    382,373    2,149    2.28 
Other investments - at cost   12,494    136    4.38    12,098    106    3.55 
Short-term investments(3)   9,386    113    4.84    5,909    54    3.71 
Total interest-earning assets   2,403,086    26,714    4.47    2,393,504    23,758    4.03 
Total non-interest-earning assets   154,410              152,539           
Total assets  $2,557,496             $2,546,043           
                               
LIABILITIES AND EQUITY:                              
Interest-bearing liabilities                              
Interest-bearing checking accounts  $135,559   $234    0.69%  $139,755   $263    0.76%
Savings accounts   186,125    39    0.08    218,797    45    0.08 
Money market accounts   626,267    2,587    1.66    777,673    1,995    1.04 
Time deposits   627,699    6,433    4.12    427,895    1,800    1.71 
Total interest-bearing deposits   1,575,650    9,293    2.37    1,564,120    4,103    1.06 
Short-term borrowings and long-term debt   160,802    1,965    4.91    86,360    1,031    4.84 
Interest-bearing liabilities   1,736,452    11,258    2.61    1,650,480    5,134    1.26 
Non-interest-bearing deposits   557,711              639,162           
Other non-interest-bearing liabilities   27,078              25,331           
Total non-interest-bearing liabilities   584,789              664,493           
                               
Total liabilities   2,321,241              2,314,973           
Total equity   236,255              231,070           
Total liabilities and equity  $2,557,496             $2,546,043           
Less: Tax-equivalent adjustment(2)        (110)             (120)     
Net interest and dividend income       $15,346             $18,504      
Net interest rate spread(4)             1.85%             2.74%
Net interest rate spread, on a tax equivalent basis(5)             1.86%             2.76%
Net interest margin(6)             2.57%             3.14%
Net interest margin, on a tax equivalent basis(7)             2.59%             3.16%
Ratio of average interest-earning assets to average interest-bearing liabilities             138.39%             145.02%

________________________

 

(1)Loans, including nonaccrual loans, are net of deferred loan origination costs and unadvanced funds.

(2)Loan and securities income are presented on a tax-equivalent basis using a tax rate of 21%. The tax-equivalent adjustment is deducted from tax-equivalent net interest and dividend income to agree to the amount reported on the consolidated statements of net income.

(3)Short-term investments include federal funds sold.

(4)Net interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average cost of interest-bearing liabilities.

(5)Net interest rate spread, on a tax-equivalent basis, represents the difference between the tax-equivalent weighted average yield on interest-earning assets and the tax-equivalent weighted average cost of interest-bearing liabilities. See “Explanation of Use of Non-GAAP Financial Measurements”.

(6)Net interest margin represents net interest and dividend income as a percentage of average interest-earning assets.

(7)Net interest margin, on a tax-equivalent basis, represents tax-equivalent net interest and dividend income as a percentage of average interest-earning assets. See “Explanation of Use of Non-GAAP Financial Measurements”.

 

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Rate/Volume Analysis.

 

The following table shows how changes in interest rates and changes in the volume of interest-earning assets and interest-bearing liabilities have affected our interest and dividend income and interest expense during the periods indicated. Information is provided in each category with respect to: (1) interest income changes attributable to changes in volume (changes in volume multiplied by prior rate); (2) interest income changes attributable to changes in rate (changes in rate multiplied by prior volume); and (3) the net change.

 

The changes attributable to the combined impact of volume and rate have been allocated proportionately to the changes due to volume and the changes due to rate.

 

   Three Months Ended March 31, 2024 compared to Three Months Ended March 31, 2023 
   Increase (Decrease) Due to     
   Volume   Rate   Net 
Interest-earning assets  (In thousands) 
Loans (1)  $388   $2,514   $2,902 
Investment securities (1)   (120)   85    (35)
Other investments - at cost   3    27    30 
Short-term investments   32    27    59 
 Total interest-earning assets   303    2,653    2,956 
                
Interest-bearing liabilities               
Interest-bearing checking accounts   (7)   (22)   (29)
Savings accounts   (7)   1    (6)
Money market accounts   (384)   976    592 
Time deposits   859    3,774    4,633 
Short-term borrowing and long-term debt   900    34    934 
 Total interest-bearing liabilities   1,361    4,763    6,124 
Change in net interest and dividend income (1)  $(1,058)  $(2,110)  $(3,168)

__________________________

 

(1)Securities, loan income and change in net interest and dividend income are presented on a tax-equivalent basis using a tax rate of 21%. The tax-equivalent adjustment is deducted from tax-equivalent net interest income to agree to the amount reported in the consolidated statements of net income. See “Explanation of Use of Non-GAAP Financial Measurements”.

 

Net interest income, our primary driver of revenues, decreased $3.2 million, or 17.1%, to $15.3 million for the three months ended March 31, 2024, from $18.5 million for the three months ended March 31, 2023. The decrease in net interest income was the result of the interest rate paid on interest-bearing liabilities outpacing the increase in the yield on interest-earning assets. Interest expense increased $6.1 million, or 119.3%, while interest and dividend income increased $3.0 million, or 12.5%. The increase in interest expense was a result of the higher cost of interest-bearing liabilities as well as the unfavorable shift in the deposit mix from low cost core deposits to high cost time deposits.

 

The net interest margin was 2.57% for the three months ended March 31, 2024, compared to 3.14%, for the three months ended March 31, 2023. The net interest margin, on a tax-equivalent basis, was 2.59% for the three months ended March 31, 2024, compared to 3.16% for the three months ended March 31, 2023. The Company’s net interest margin, during the three months ended March 31, 2024, continued to be negatively impacted by higher deposit costs as well as a shift in the deposit mix from low-cost core deposits to high-cost deposits.

 

The average yield on interest-earning assets increased 44 basis points from 4.01% for the three months ended March 31, 2023 to 4.45% for the three months ended March 31, 2024. The average loan yield, without the impact of tax-equivalent adjustments, was 4.82% for the three months ended March 31, 2024, compared to 4.34% for the three months ended March 31, 2023. During the three months ended March 31, 2024, average interest-earning assets increased $9.6 million, or 0.4% to $2.4 billion, primarily due to an increase in average loans of $28.6 million, or 1.4%, an increase in average short-term investments, consisting of cash and cash equivalents, of $3.5 million, or 58.8%, partially offset by a decrease in average securities of $22.9 million, or 6.0%.

 

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During the three months ended March 31, 2024, the average cost of funds, including non-interest-bearing demand accounts and borrowings, increased 106 basis points, from 0.91% for the three months ended March 31, 2023 to 1.97% for the three months ended March 31, 2024. The average cost of core deposits, which include non-interest-bearing demand accounts, increased 23 basis points, from 0.53% for the three months ended March 31, 2023 to 0.76% for the three months ended March 31, 2024. The average cost of time deposits increased 241 basis points from 1.71% for the three months ended March 31, 2023 to 4.12% for the three months ended March 31, 2024. The average cost of borrowings, including subordinated debt, increased 7 basis points from 4.84% for the three months ended March 31, 2023 to 4.91% for the three months ended March 31, 2024. For the three months ended March 31, 2024, average demand deposits, an interest-free source of funds, decreased $81.5 million, or 12.7%, to $557.7 million, or 26.1% of total average deposits, from $639.2 million, or 29.0% of total average deposits for the three months ended March 31, 2023.

 

Provision for (Reversal of) Credit Losses.

 

The provision for credit losses is reviewed by management based upon our evaluation of economic and business conditions affecting our key lending areas and other conditions, such as new loan products, credit quality trends (including trends in nonperforming loans expected to result from existing conditions), collateral values, loan volumes and concentrations, specific industry conditions using reasonable and supportable forecasts and the impact that such conditions were believed to have had on the collectability of the loan portfolio.

 

During the three months ended March 31, 2024, the Company recorded a reversal of credit losses of $550,000, compared to a reversal of credit losses of $388,000 during the three months ended March 31, 2023. The provision for credit losses was determined by a number of factors: the continued strong credit performance of the Company’s loan portfolio, changes in the loan portfolio mix and Management’s consideration of existing economic conditions and the economic outlook from the Federal Reserve’s actions to control inflation. Management continues to monitor macroeconomic variables related to increasing interest rates, inflation and the concerns of an economic downturn, and believes it is appropriately reserved for the current economic environment and supportable forecast period.

 

The Company recorded net recoveries of $67,000 for the three months ended March 31, 2024, compared to net charge-offs of $1.9 million for the three months ended March 31, 2023. The charge-offs during the three months ended March 31, 2023 were related to one commercial relationship.

 

Although we believe that we have established and maintained the allowance for credit losses at adequate levels, future adjustments may be necessary if economic, real estate and other conditions differ substantially from the current operating environment.

 

Non-Interest Income.

 

Non-interest income decreased $305,000, or 10.2%, to $2.7 million for the three months ended March 31, 2024, from $3.0 million for the three months ended March 31, 2023. During the three months ended March 31, 2024, service charges and fees on deposits increased $32,000, or 1.5%, income from BOLI increased $13,000, or 3.0%, from $440,000 for the three months ended March 31, 2023 to $453,000 for the three months ended March 31, 2024. During the three months ended March 31, 2024, the Company reported a loss on the disposal of premises and equipment of $6,000. The Company did not have a comparable loss during the three months ended March 31, 2023. During the three months ended March 31, 2024, the Company reported unrealized gains on marketable equity securities of $8,000. The Company did not have comparable unrealized gains or losses during the three months ended March 31, 2023. During the three months ended March 31, 2023, the Company reported a gain on non-marketable equity investments of $352,000. The Company did not have comparable unrealized gains or losses during the three months ended March 31, 2024. Gains and losses from the investment portfolio vary from quarter to quarter based on market conditions, as well as the related yield curve and valuation changes.

 

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Non-Interest Expense.

 

For the three months ended March 31, 2024, non-interest expense decreased $114,000, or 0.8%, to $14.8 million, from $14.9 million for the three months ended March 31, 2023. Salaries and employee benefits decreased $187,000, or 2.2%, professional fees decreased $188,000, or 24.8%, other non-interest expense decreased $98,000, or 7.3%, advertising expense decreased $68,000, or 16.3%, and furniture and equipment expense decreased $2,000, or 0.4%. Software expense increased $185,000, or 36.1%, data processing expense increased $109,000, or 14.5%, ATM network expense increased $62,000, or 12.6%, FDIC insurance expense increased $58,000, or 16.5%, and occupancy expense increased $15,000, or 1.1%.

 

For the three months ended March 31, 2024, the efficiency ratio was 82.0%, compared to 69.3% for March 31, 2023. The increase in the efficiency ratio was primarily the result of a $3.5 million, or 16.1%, decrease in total revenues as a result of the interest paid on interest-bearing liabilities outpacing the increase in the yield on interest-earning assets. See “Explanation of Use of Non-GAAP Financial Measurements” for the related efficiency ratio calculation and a reconciliation of GAAP to non-GAAP financial measures.

 

Income Taxes.

 

Income tax expense for the three months ended March 31, 2024 was $827,000, or an effective tax rate of 21.8%, compared to $1.7 million, or an effective tax rate of 24.0%, for three months ended March 31, 2023.

 

Explanation of Use of Non-GAAP Financial Measurements.

 

We believe that it is common practice in the banking industry to present interest income and related yield information on tax-exempt loans and securities on a tax-equivalent basis, as well as presenting tangible book value per share and adjusted efficiency ratio, and that such information is useful to investors because it facilitates comparisons among financial institutions. However, the adjustment of interest income and yields on tax-exempt loans and securities to a tax-equivalent amount, as well as the presentation of tangible book value per share and adjusted efficiency ratio, may be considered to include financial information that is not in compliance with GAAP. A reconciliation from GAAP to non-GAAP is provided below.

 

   For the three months ended 
   3/31/2024   3/31/2023 
   (In thousands) 
         
Loans (no tax adjustment)  $24,241   $21,329 
Tax-equivalent adjustment (1)   110    120 
Loans (tax-equivalent basis)  $24,351   $21,449 
           
Net interest income (no tax adjustment)  $15,346   $18,504 
Tax equivalent adjustment (1)   110    120 
Net interest income (tax-equivalent basis)  $15,456   $18,624 
           
Average interest-earning assets  $2,403,086   $2,393,504 
Net interest margin (no tax adjustment)   2.57%   3.14%
Net interest margin, tax-equivalent   2.59%   3.16%

 

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   At or for the three months ended 
   3/31/2024   3/31/2023 
   (In thousands) 
         
Book Value per Share (GAAP)  $10.90   $10.50 
Non-GAAP adjustments:          
Goodwill   (0.58)   (0.56)
Core deposit intangible   (0.07)   (0.10)
Tangible Book Value per Share (non-GAAP)  $10.25   $9.84 
           
Adjusted Efficiency Ratio:          
Non-interest Expense (GAAP)  $14,782   $14,896 
           
Net Interest Income (GAAP)  $15,346   $18,504 
           
Non-interest Income (GAAP)  $2,674   $2,979 
Non-GAAP adjustments:          
Loss on disposal of premises and equipment   6    — 
Unrealized losses on marketable equity securities   (8)   — 
Gain on non-marketable equity investments   —    (352)
Non-interest Income for Adjusted Efficiency Ratio (non-GAAP)  $2,672   $2,627 
Total Revenue for Adjusted Efficiency Ratio (non-GAAP)  $18,018   $21,131 
           
Efficiency Ratio (GAAP)   82.03%   69.34%
           
Adjusted Efficiency Ratio (Non-interest Expense for Adjusted Efficiency Ratio (non-GAAP)/Total Revenue for Adjusted Efficiency Ratio (non-GAAP))   82.04%   70.49%

___________________

(1)The tax equivalent adjustment is based upon a 21% tax rate for all periods presented.

 

 45

 

 

Liquidity and Capital Resources.

 

The term “liquidity” refers to our ability to generate adequate amounts of cash to fund loan originations, loan purchases, deposit withdrawals and operating expenses. Our primary sources of liquidity are deposits, scheduled amortization and prepayments of loan principal and mortgage-backed securities, maturities and calls of investment securities and funds provided by our operations. We also can borrow funds from the FHLB based on eligible collateral of loans and securities. Our material cash commitments include funding loan originations, fulfilling contractual obligations with third-party service providers, maintaining operating leases for certain of our Bank properties and satisfying repayment of our long-term debt obligations.

 

Primary Sources of Liquidity

 

The Company, on an ongoing basis, closely monitors the Company’s liquidity position for compliance with internal policies, and believes that available sources of liquidity are adequate to meet funding needs in the normal course of business. As part of that monitoring process, the Company stresses the potential liabilities calculation to ensure a strong liquidity position. Included in the calculation are assumptions of some significant deposit run-off as well as funds needed for loan closing and investment purchases. The Company does not anticipate engaging in any activities, either currently or over the long-term, for which adequate funding would not be available and which would therefore result in significant pressure on liquidity. However, an economic recession could negatively impact the Company’s liquidity. The Bank relies heavily on FHLB as a source of funds, particularly with its overnight line of credit. In past economic recessions, some FHLB branches have suspended dividends, cut dividend payments, and not bought back excess FHLB stock that members hold in an effort to conserve capital. FHLB has stated that it expects to be able to continue to pay dividends, redeem excess capital stock, and provide competitively priced advances in the future.

 

At March 31, 2024 and December 31, 2023, outstanding borrowings from the FHLB were $35.4 million and $40.6 million, respectively. At March 31, 2024, we had $517.7 million in available borrowing capacity with the FHLB, which includes our Ideal Way Line of Credit. We have the ability to increase our borrowing capacity with the FHLB by pledging investment securities or additional loans.

 

The Company has an available line of credit of $72.2 million with the FRB Discount Window at an interest rate determined and reset on a daily basis. Borrowings from the FRB Discount Window are secured by certain securities from the Company’s investment portfolio not otherwise pledged. As of March 31, 2024 and December 31, 2023, there were no advances outstanding under either of these lines.

 

On March 12, 2023, the FRB made available the BTFP, which enhances the ability of banks to borrow greater amounts against certain high-quality, unencumbered investments at par value. During the year ended December 31, 2023, the Company participated in the BTFP, which enabled the Company to pay off higher rate FHLB advances. With the BTFP, the Company has the ability to pay off the BTFP advance prior to maturity without incurring a penalty or termination fee.

 

At March 31, 2024 and December 31, 2023, long-term debt included $90.0 million in outstanding advances under the BTFP with a weighted average fixed rate of 4.71%. At March 31, 2024, the Company had no remaining borrowing capacity under the BTFP.

 

In addition, we have available lines of credit of $15.0 million and $10.0 million with other correspondent banks. Interest rates on these lines are determined and reset on a daily basis by each respective bank. At March 31, 2024 and December 31, 2023, we did not have an outstanding balance under either of these lines of credit. In addition, we may enter into reverse repurchase agreements with approved broker-dealers. Reverse repurchase agreements are agreements that allow us to borrow money using our securities as collateral.

 

We also have outstanding at any time, a significant number of commitments to extend credit and provide financial guarantees to third parties. These arrangements are subject to strict credit control assessments. Guarantees specify limits to our obligations. Because many commitments and almost all guarantees expire without being funded in whole or in part, the contract amounts are not estimates of future cash flows. We are also obligated under agreements with the FHLB to repay borrowed funds and are obligated under leases for certain of our branches and equipment.

 

 46

 

 

Maturing investment securities are a relatively predictable source of funds. However, deposit flows, calls of securities and prepayments of loans and mortgage-backed securities are strongly influenced by interest rates, general and local economic conditions and competition in the marketplace. These factors reduce the predictability of the timing of these sources of funds.

 

The Company’s primary activities are the origination of commercial real estate loans, commercial and industrial loans and residential real estate loans, as well as and the purchase of mortgage-backed and other investment securities. At March 31, 2024, the Company had approximately $95.9 million in loan commitments and letters of credit to borrowers and approximately $350.7 million in available home equity and other unadvanced lines of credit.

 

Deposit inflows and outflows are affected by the level of interest rates, the products and interest rates offered by competitors and by other factors. At March 31, 2024, time deposit accounts scheduled to mature within one year totaled $615.7 million. Based on the Company’s deposit retention experience and current pricing strategy, we anticipate that a significant portion of these time deposits will remain on deposit. We monitor our liquidity position frequently and anticipate that it will have sufficient funds to meet our current funding commitments for the next 12 months and beyond.

 

Material Cash Commitments

 

The Company entered into a long-term contractual obligation with a vendor for use of its core provider and ancillary services beginning in 2016. Total remaining contractual obligations outstanding with this vendor as of March 31, 2024 were estimated to be $9.5 million, with $5.0 million expected to be paid within one year and the remaining $4.5 million to be paid within the next three years. Further, the Company has operating leases for certain of its banking offices and ATMs. Our leases have remaining lease terms of less than one year to fourteen years, some of which include options to extend the leases for additional five-year terms up to ten years. Undiscounted lease liabilities totaled $9.9 million as of March 31, 2024. Principal payments expected to be made on our lease liabilities during the twelve months ended March 31, 2025 were $1.5 million. The remaining lease liability payments totaled $8.4 million and are expected to be made after March 31, 2025.

 

In addition, the Company completed an offering of $20 million in aggregate principal amount of its 4.875% Notes to certain qualified institutional buyers in a private placement transaction on April 20, 2021. Unless earlier redeemed, the Notes mature on May 1, 2031. At March 31, 2024, $19.7 million aggregate principle amount of the Notes was outstanding. The Notes will bear interest from the initial issue date to, but excluding, May 1, 2026, or the earlier redemption date, at a fixed rate of 4.875% per annum, payable quarterly in arrears on May 1, August 1, November 1 and February 1 of each year, beginning August 1, 2021, and from and including May 1, 2026, but excluding the maturity date or earlier redemption date, equal to the benchmark rate, which is the 90-day average secured overnight financing rate, plus 412 basis points, determined on the determination date of the applicable interest period, payable quarterly in arrears on May 1, August 1, November 1 and February 1 of each year. The Company may also redeem the Notes, in whole or in part, on or after May 1, 2026, and at any time upon the occurrence of certain events, subject in each case to the approval of the Board of Governors of the Federal Reserve.

 

We do not anticipate any material capital expenditures during the calendar year 2024, except in pursuance of the Company’s strategic initiatives. The Company does not have any balloon or other payments due on any long-term obligations or any off-balance sheet items other than the commitments and unused lines of credit noted above.

 

At March 31, 2024, we exceeded each of the applicable regulatory capital requirements. As of March 31, 2024, the most recent notification from the Office of Comptroller of the Currency categorized the Bank as “well-capitalized” under the regulatory framework for prompt corrective action. To be categorized as “well-capitalized,” the Bank must maintain minimum total risk-based, Tier 1 risk-based, Common Equity Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the following table. There are no conditions or events since that notification that management believes would change our category.

 

 47

 

 

Our actual capital ratios of March 31, 2024 and December 31, 2023 are also presented in the following table.

 

   Actual   Minimum For Capital Adequacy Purpose   Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions 
   Amount   Ratio   Amount   Ratio   Amount   Ratio 
   (Dollars in thousands) 
March 31, 2024                        
Total Capital (to Risk Weighted Assets):                              
Consolidated  $285,634    14.67%  $155,798    8.00%    N/A      N/A  
Bank   271,596    13.96    155,663    8.00   $194,579    10.00%
Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,710    12.62    116,848    6.00     N/A      N/A  
Bank   251,394    12.92    116,747    6.00    155,663    8.00 
Common Equity Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,710    12.62    87,636    4.50     N/A      N/A  
Bank   251,394    12.92    87,560    4.50    126,476    6.50 
Tier 1 Leverage Ratio (to Adjusted Average Assets):                              
Consolidated   245,710    9.54    102,980    4.00     N/A      N/A  
Bank   251,394    9.77    102,901    4.00    128,626    5.00 

 

   Actual   Minimum For Capital Adequacy Purpose   Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions 
   Amount   Ratio   Amount   Ratio   Amount   Ratio 
   (Dollars in thousands) 
December 31, 2023                        
Total Capital (to Risk Weighted Assets):                              
Consolidated  $285,760    14.67%  $155,873    8.00%    N/A      N/A  
Bank   271,420    13.94    155,711    8.00   $194,639    10.00%
Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,363    12.59    116,905    6.00     N/A      N/A  
Bank   250,734    12.88    116,783    6.00    155,711    8.00 
Common Equity Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,363    12.59    87,679    4.50     N/A      N/A  
Bank   250,734    12.88    87,587    4.50    126,515    6.50 
Tier 1 Leverage Ratio (to Adjusted Average Assets):                              
Consolidated   245,363    9.40    104,400    4.00     N/A      N/A  
Bank   250,734    9.62    104,290    4.00    130,363    5.00 

 

We also have outstanding, at any time, a significant number of commitments to extend credit and provide financial guarantees to third parties. These arrangements are subject to strict credit control assessments. Guarantees specify limits to our obligations. Because many commitments and almost all guarantees expire without being funded in whole or in part, the contract amounts are not estimates of future cash flows.

 

OFF-BALANCE SHEET ARRANGEMENTS.

 

The Company does not have any off-balance sheet arrangements, other than noted above under Material Cash Commitments, that have or are reasonably likely to have a current or future effect on our financial condition, changes in financial condition, revenues or expenses, results of operations, liquidity, capital expenditures or capital resources that are material to investors.

 

ITEM 3: QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

 

There have been no material changes in our assessment of our sensitivity to market risk since our presentation in our 2023 Annual Report. Please refer to Item 7A of the 2023 Annual Report for additional information.

 

 48

 

 

ITEM 4: CONTROLS AND PROCEDURES

 

Disclosure Controls and Procedures.

 

Management, including our Chief Executive Officer and Chief Financial Officer, has evaluated the effectiveness of our disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)), as of the end of the period covered by this report. Based upon the evaluation, the Chief Executive Officer and Chief Financial Officer concluded that the disclosure controls and procedures were effective, to ensure that information required to be disclosed in the reports we file and submit under the Securities Exchange Act of 1934, as amended, is (i) recorded, processed, summarized and reported as and when required and (ii) accumulated and communicated to our management, including the Chief Executive Officer and Chief Financial Officer, as appropriate to allow timely discussion regarding required disclosure.

 

Changes in Internal Control Over Financial Reporting.

 

There have been no changes in our internal control over financial reporting identified in connection with the evaluation that occurred during our last fiscal quarter that have materially affected, or that are reasonably likely to materially affect, our internal control over financial reporting.

 

PART II – OTHER INFORMATION

 

ITEM 1.LEGAL PROCEEDINGS.

 

Except as set forth in Item 3 of our Annual Report on Form 10-K for the year ended December 31, 2023, the Company was not involved in any material pending legal proceedings as a plaintiff or as a defendant, other than routine legal proceedings occurring in the ordinary course of business. We believe that all such claims and actions currently pending against us, if any, are either adequately covered by insurance or would not have a material adverse effect on us if decided in a manner unfavorable to us.

 

ITEM 1A.RISK FACTORS.

 

For a summary of risk factors relevant to our operations, see Part 1, Item 1A, “Risk Factors” in our 2023 Annual Report. There are no additional material changes in the risk factors relevant to our operations since December 31, 2023.

 

ITEM 2.UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS.

 

The following table sets forth information with respect to purchases made by us of our common stock during the three months ended March 31, 2024.

 

Period   Total Number of Shares Purchased   Average Price Paid per Share ($)   Total Number of Shares Purchased as Part of Publicly Announced Programs   Maximum Number of Shares that May Yet Be Purchased Under the Program (1)(2) 
January 1 - 31, 2024    —    —    —    406,600 
February 1 – 29, 2024    100,000    8.18    100,000    306,600 
March 1 - 31, 2024    121,947    8.32    100,000    206,600 
Total    221,947    8.26    200,000    206,600 

 

(1)On July 26, 2022, the Board of Directors authorized an additional stock repurchase plan (the “2022 Plan”) under which the Company may purchase up to 1,100,000 shares of common stock, or 5%, of its outstanding common stock, as of the date the 2022 Plan was adopted.

(2)Repurchase of 21,947 shares related to tax obligations for shares of restricted stock that vested on March 5, 2024 under our 2021 LTI Recognition & Retention Plan. These repurchases were reported by each reporting person on March 7, 2024.

 

 49

 

 

There were no sales by us of unregistered securities during the three months ended March 31, 2024.

 

ITEM 3.DEFAULTS UPON SENIOR SECURITIES.

 

None.

 

ITEM 4.MINE SAFETY DISCLOSURE.

 

Not applicable.

 

ITEM 5.OTHER INFORMATION.

 

During the quarter ended March 31, 2024, no director or officer of the Company adopted or terminated any Rule 10b5-1 trading arrangements or non-Rule 10b5-1 trading arrangements.

 

ITEM 6.EXHIBITS.

 

Exhibit  

Number

  

Exhibit Description

3.2   Restated Articles of Organization of Western New England Bancorp, Inc. (incorporated by reference to Exhibit 3.1 of the Form 8-K filed with the SEC on October 26, 2016).
     
3.3   Amended and Restated Bylaws of Western New England Bancorp, Inc. (incorporated by reference to Exhibit 3.1 of the Form 8-K filed with the SEC on February 2, 2017).
     
4.1   Form of Stock Certificate of Western New England Bancorp, Inc. (f/k/a Westfield Financial, Inc.) (incorporated by reference to Exhibit 4.1 of the Registration Statement No. 333-137024 on Form S-1 filed with the Securities and Exchange Commission on August 31, 2006).
     
31.1*   Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
     
31.2*   Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
     
32.1*   Certification of Chief Executive Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
     
32.2*   Certification of Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
     
101**   Financial statements from the quarterly report on Form 10-Q of Western New England Bancorp, Inc. for the quarter ended March 31, 2024, formatted in Inline XBRL (eXtensible Business Reporting Language): (i) the Consolidated Balance Sheets, (ii) the Consolidated Statements of Net Income, (iii) the Consolidated Statements of Comprehensive Income, (iv) the Consolidated Statements of Shareholders’ Equity, (v) the Consolidated Statements of Cash Flows and (vi) Notes to Consolidated Financial Statements.
     
104   Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101).

________________________________

*Filed herewith.

**Pursuant to Rule 406T of Regulation S-T, the Interactive Data Files on Exhibit 101 hereto are deemed not filed or part of a registration statement or prospectus for purposes of Sections 11 or 12 of the Securities Act of 1933, as amended, are deemed not filed for purposes of Section 18 of the Securities and Exchange Act of 1934, as amended, and otherwise are not subject to liability under those sections.

 

 50

 

 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized on May 7, 2024.

 

Western New England Bancorp, Inc.

 

By:/s/ James C. Hagan

James C. Hagan

President and Chief Executive Officer

 

By:/s/ Guida R. Sajdak

Guida R. Sajdak

Executive Vice President and Chief Financial Officer

 

 

 EX-31.1 2 ex31-1.htm CERTIFICATION OF CHIEF EXECUTIVE OFFICER
 

Western New England Bancorp, Inc 10-Q

 

EXHIBIT 31.1

 

CERTIFICATION

 

I, James C. Hagan, certify that:

 

1.I have reviewed this quarterly report on Form 10-Q of Western New England Bancorp, Inc.;

 

2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4.The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 

(a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

(b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

(c)Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

(d)Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5.The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 

(a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

(b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date:May 7, 2024 /s/ James C. Hagan
James C. Hagan

President and Chief Executive Officer

(Principal Executive Officer)

 

 

 EX-31.2 3 ex31-2.htm CERTIFICATION OF CHIEF FINANCIAL OFFICER
 

Western New England Bancorp, Inc 10-Q

 

EXHIBIT 31.2

 

CERTIFICATION

 

I, Guida R. Sajdak, certify that:

 

1.I have reviewed this quarterly report on Form 10-Q of Western New England Bancorp, Inc.;

 

2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4.The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the Company and have:

 

(a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

(b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

(c)Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

(d)Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5.The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 

(a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

(b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date:May 7, 2024 /s/ Guida R. Sajdak

Guida R. Sajdak
Chief Financial Officer
(Principal Financial Officer)

 

 

 EX-32.1 4 ex32-1.htm CERTIFICATION OF CHIEF EXECUTIVE OFFICER
 

Western New England Bancorp, Inc 10-Q

 

EXHIBIT 32.1

 

statement furnished pursuant to section 906 of the
sarbanes-oxley act of 2002, 18 u.s.c. section 1350

 

In connection with the Quarterly Report on Form 10-Q of Western New England Bancorp, Inc. (the “Company”) for the quarter ended March 31, 2024, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), James C. Hagan, President and Chief Executive Officer of the Company, hereby certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of my knowledge:

 

A)the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m or 78o(d)), and

 

B)the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of the dates and for the periods covered by the Report.

 

May 7, 2024 /s/ James C. Hagan

Dated

James C. Hagan

President and Chief Executive Officer

 

 

 EX-32.2 5 ex32-2.htm CERTIFICATION OF CHIEF FINANCIAL OFFICER
 

Western New England Bancorp, Inc 10-Q

 

EXHIBIT 32.2

 

statement furnished pursuant to section 906 of the
sarbanes-oxley act of 2002, 18 u.s.c. section 1350

 

In connection with the Quarterly Report on Form 10-Q of Western New England Bancorp, Inc. (the “Company”) for the quarter ended March 31, 2024, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), Guida R. Sajdak, Chief Financial Officer of the Company, hereby certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of my knowledge:

 

A)the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m or 78o(d)), and

 

B)the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of the dates and for the periods covered by the Report.

 

May 7, 2024 /s/ Guida R. Sajdak
DatedGuida R. Sajdak
Chief Financial Officer

 

 

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(Details) link:presentationLink link:calculationLink link:definitionLink 995549 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 995550 - Disclosure - GOODWILL AND OTHER INTANGIBLES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 995551 - Disclosure - The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 995552 - Disclosure - The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 995553 - Disclosure - The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 995554 - Disclosure - The threshold, target and stretch metrics under the 2024 Incentive Plan are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 995555 - Disclosure - A summary of the status of restricted stock awards at March 31, 2024 and 2023 is presented below: (Details) link:presentationLink link:calculationLink link:definitionLink 995556 - Disclosure - SHARE-BASED COMPENSATION (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 995557 - Disclosure - SHORT-TERM BORROWINGS AND LONG-TERM DEBT (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 995558 - Disclosure - SUBORDINATED DEBT (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 995559 - Disclosure - As of March 31, 2024 and December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges: (Details) link:presentationLink link:calculationLink link:definitionLink 995560 - Disclosure - The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of March 31, 2024 and December 31, 2023. (Details) link:presentationLink link:calculationLink link:definitionLink 995561 - Disclosure - The table below presents the effect of the Company’s fair value hedge derivative on the statements of net income as of March 31, 2024. (Details) link:presentationLink link:calculationLink link:definitionLink 995562 - Disclosure - DERIVATIVES AND HEDGING ACTIVITIES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 995563 - Disclosure - Assets and liabilities measured at fair value on a recurring basis are summarized below: (Details) link:presentationLink link:calculationLink link:definitionLink 995564 - Disclosure - The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2023: (Details) link:presentationLink link:calculationLink link:definitionLink 995565 - Disclosure - The estimated fair values of our financial instruments are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 7 wneb-20240331_cal.xml XBRL CALCULATION FILE EX-101.DEF 8 wneb-20240331_def.xml XBRL DEFINITION FILE EX-101.LAB 9 wneb-20240331_lab.xml XBRL LABEL FILE Equity Components [Axis] Common Stock [Member] Additional Paid-in Capital [Member] Unearned Compensation - ESOP [Member] Deferred Compensation, Share-Based Payments [Member] Retained Earnings [Member] AOCI Attributable to Parent [Member] Accounting Standards Update [Axis] Accounting Standards Update 2016-13 [Member] AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member] Financial Instrument [Axis] Government-sponsored enterprise obligations [Member] State and Municipal Bonds [Member] Corporate Debt Securities [Member] Debt Securities [Member] Government-sponsored mortgage-backed securities [Member] U.S. government guaranteed mortgage-backed securities [Member] Collateralized Mortgage-Backed Securities [Member] US Treasury Securities [Member] U.S. Government Guaranteed Obligations [Member] Pledged Status [Axis] Asset Pledged as Collateral [Member] Pledging Purpose [Axis] Deposits [Member] Guaranteed by government agencies [Member] Not guaranteed by government agencies [Member] Corporate Bonds [Member] Class of Financing Receivable [Axis] Commercial Real Estate [Member] Residential Mortgage [Member] Home Equity Line of Credit [Member] Residential Portfolio Segment [Member] Commercial and Industrial Sector [Member] Consumer Loan [Member] Unfunded Loan Commitment [Member] Financial Asset, Aging [Axis] Financial Asset, Past Due [Member] Commercial Loan [Member] Real Estate Loan [Member] Unallocated [Member] Cumulative Effect, Period of Adoption [Axis] Cumulative Effect, Period of Adoption, Adjustment [Member] Cumulative Effect, Period of Adoption, Adjusted Balance [Member] Financial Asset, 30 to 59 Days Past Due [Member] Financial Asset, 60 to 89 Days Past Due [Member] Financial Asset, Equal to or Greater than 90 Days Past Due [Member] Financial Asset, Not Past Due [Member] Credit Loss Status [Axis] With No Related Allowance Recorded [Member] With Allowance Recorded [Member] Internal Credit Assessment [Axis] Pass (Rated 1 - 4) [Member] Special Mention (Rated 5) [Member] Substandard (Rated 6) [Member] Financial Instrument Performance Status [Axis] Performing Financial Instruments [Member] Nonperforming Financial Instruments [Member] Home Equity Loan [Member] Finite-Lived Intangible Assets by Major Class [Axis] Core Deposits [Member] Award Type [Axis] 2021 Omnibus Plan [Member] Share-Based Payment Arrangement [Member] Grantee Status [Axis] Share-Based Payment Arrangement, Employee [Member] Share-Based Payment Arrangement, Nonemployee [Member] Plan Name [Axis] LTI Plan for 2021 [Member] Time Based Shares [Member] Performance Shares [Member] LTI Plan for 2022 [Member] Vesting [Axis] Share-Based Payment Arrangement, Tranche One [Member] Share-Based Payment Arrangement, Tranche Two [Member] LTI Plan for 2023 [Member] LTI Plan for 2024 [Member] Threshold [Member] Target [Member] Stretch [Member] Restricted Stock [Member] Debt Instrument [Axis] Federal Home Loan Bank Borrowings [Member] Lender Name [Axis] Line of Credit [Member] FRB Discount Window [Member] Correspondent Banks [Member] Bank [Member] Long-Term Debt, Type [Axis] Federal Home Loan Bank Advances [Member] FRB Bank Term Funding Program [Member] Subordinated Debt [Member] Debt Instrument, Redemption, Period [Axis] Debt Instrument, Redemption, Period One [Member] Debt Instrument, Redemption, Period Two [Member] Loans [Member] Hedging Designation [Axis] Designated as Hedging Instrument [Member] Hedging Relationship [Axis] Fair Value Hedging [Member] Derivative Instrument [Axis] Interest Rate Swap [Member] Not Designated as Hedging Instrument [Member] Customer counterparties [Member] Dealer counterparties [Member] Measurement Frequency [Axis] Fair Value, Recurring [Member] Fair Value Hierarchy and NAV [Axis] Fair Value, Inputs, Level 1 [Member] Fair Value, Inputs, Level 2 [Member] Fair Value, Inputs, Level 3 [Member] Fair Value, Nonrecurring [Member] Impaired Loans [Member] Measurement Basis [Axis] Reported Value Measurement [Member] Cover [Abstract] Document Type Amendment Flag Amendment Description Document Registration Statement Document Annual Report Document Quarterly Report Document Transition Report Document Shell Company Report Document Shell Company Event Date Document Period Start Date Document Period End Date Document Fiscal Period Focus Document Fiscal Year Focus Current Fiscal Year End Date Entity File Number Entity Registrant Name Entity Central Index Key Entity Primary SIC Number Entity Tax Identification Number Entity Incorporation, State or Country Code Entity Address, Address Line One Entity Address, Address Line Two Entity Address, Address Line Three Entity Address, City or Town Entity Address, State or Province Entity Address, Country Entity Address, Postal Zip Code Country Region City Area Code Local Phone Number Extension Written Communications Soliciting Material Pre-commencement Tender Offer Pre-commencement Issuer Tender Offer Title of 12(b) Security No Trading Symbol Flag Trading Symbol Security Exchange Name Title of 12(g) Security Security Reporting Obligation Annual Information Form Audited Annual Financial Statements Entity Well-known Seasoned Issuer Entity Voluntary Filers Entity Current Reporting Status Entity Interactive Data Current Entity Filer Category Entity Small Business Entity Emerging Growth Company Elected Not To Use the Extended Transition Period Document Accounting Standard Other Reporting Standard Item Number Entity Shell Company Entity Public Float Entity Bankruptcy Proceedings, Reporting Current Entity Common Stock, Shares Outstanding Documents Incorporated by Reference [Text Block] Statement of Financial Position [Abstract] ASSETS Cash and due from banks Federal funds sold Interest-bearing deposits and other short-term investments Cash and cash equivalents Available-for-sale securities, at fair value Held-to-maturity securities, at amortized cost (Fair value of $181,679 at March 31, 2024 and $187,692 at December 31, 2023) Marketable equity securities, at fair value Federal Home Loan Bank stock and other restricted stock, at cost Loans, net of allowance for credit losses of $19,884 at March 31, 2024 and $20,267 at December 31, 2023 Premises and equipment, net Accrued interest receivable Bank-owned life insurance Deferred tax asset, net Goodwill Core deposit intangible Other assets TOTAL ASSETS LIABILITIES AND SHAREHOLDERS’ EQUITY LIABILITIES: Deposits: Non-interest-bearing Interest-bearing Total deposits Short-term borrowings Long-term debt Subordinated debt Other liabilities  TOTAL LIABILITIES SHAREHOLDERS’ EQUITY: Preferred stock - $0.01 par value, 5,000,000 shares authorized, none outstanding at March 31, 2024 and December 31, 2023 Common stock - $0.01 par value, 75,000,000 shares authorized, 21,627,690 shares issued and outstanding at March 31, 2024; 21,666,807 shares issued and outstanding at December 31, 2023 Additional paid-in capital Unearned compensation – ESOP Unearned compensation - Equity Incentive Plan Retained earnings Accumulated other comprehensive loss TOTAL SHAREHOLDERS’ EQUITY TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY Held-to-maturity securities, fair value Loans, allowance for loan losses Preferred stock, par value (in dollars per share) Preferred stock, authorized Preferred stock, outstanding Common stock, par value (in dollars per share) Common stock, authorized Common stock, issued Common stock, outstanding Income Statement [Abstract] Interest and dividend income: Residential and commercial real estate loans Commercial and industrial loans Consumer loans Debt securities, taxable Debt securities, tax-exempt Marketable equity securities Other investments Short-term investments Total interest and dividend income Interest expense: Deposits Short-term borrowings Long-term debt Subordinated debt Total interest expense Net interest and dividend income Reversal of credit losses Net interest and dividend income after reversal of credit losses Non-interest income: Service charges and fees Income from bank-owned life insurance Loss on disposal of premises and equipment Net unrealized gain on marketable equity securities Gain on non-marketable equity investments Total non-interest income Non-interest expense: Salaries and employee benefits Occupancy Furniture and equipment Data processing Software Net ATM network Professional fees FDIC insurance assessment Advertising Other expenses Total non-interest expense Income before income taxes Income tax provision Net income Earnings per common share: Basic earnings per share Weighted average shares outstanding Diluted earnings per share Weighted average diluted shares outstanding Dividends per share Net income Other comprehensive income (loss): Unrealized gain (loss) on available-for-sale securities: Unrealized holding (loss) gain Net amount Tax effect Net-of-tax amount Other comprehensive (loss) income Comprehensive income Statement [Table] Statement [Line Items] Beginning balance, value Beginning balance, shares Cumulative effect accounting adjustment Comprehensive income Common stock held by ESOP committed to be released Share-based compensation - equity incentive plan Forfeited equity incentive plan shares reissued in connection with 2021 LTI performance share grant (4,219 shares) Forfeited equity incentive plan shares reissued in connection with 2020 LTI performance share grant (19,761 shares) Common stock repurchased Common stock repurchased, shares Issuance of common stock in connection with equity incentive plan Issuance of common stock in connection with equity incentive plan, shares Forfeited equity incentive plan shares reissued in connection with 2023 LTI grant (2,742 shares) Cash dividends declared and paid on common stock ($0.07 per share) Ending balance, value Ending balance, shares Common stock held by ESOP committed to be released (shares) Forfeited equity incentive plan shares reissued in connection with 2020 LTI performance share grant, shares Forfeited equity incentive plan shares reissued in connection with 2023 LTI grant, shares Forfeited equity incentive plan shares reissued in connection with 2021 LTI performance share grant, shares Cash dividends declared and paid on common stock (per share) Cumulative effect accounting adjustment, before tax Cumulative effect accounting adjustment, tax Statement of Cash Flows [Abstract] CASH FLOWS FROM OPERATING ACTIVITIES: Adjustments to reconcile net income to net cash provided by (used in) operating activities: Depreciation and amortization of premises and equipment Net (accretion) amortization of purchase accounting adjustments Amortization of core deposit intangible Net amortization of premiums and discounts on securities and mortgage loans Net amortization of deferred costs on loans Net amortization of premiums on subordinated debt Share-based compensation expense ESOP expense Net change in unrealized gain on marketable equity securities Loss on the disposal of premises and equipment Income from bank-owned life insurance Net change in: Accrued interest receivable Other assets Other liabilities Net cash provided by (used in) operating activities CASH FLOWS FROM INVESTING ACTIVITIES: Purchases of held-to-maturity securities Proceeds from calls, maturities and principal collections of held-to-maturity securities Purchases of available-for-sale securities and marketable equity securities Proceeds from calls, maturities, and principal collections of available-for-sale securities Loan originations and principal payments, net Redemption (purchase) of Federal Home Loan Bank of Boston stock Purchases of premises and equipment Proceeds from disposal of premises and equipment Net cash provided by (used in) investing activities CASH FLOWS FROM FINANCING ACTIVITIES: Net increase (decrease) in deposits Net (decrease) increase in short-term borrowings Proceeds from issuance of long-term debt Cash dividends paid on common stock Common stock repurchased Net cash (used in) provided by financing activities NET CHANGE IN CASH AND CASH EQUIVALENTS: Beginning of period End of period Supplemental cash flow information: Interest paid Taxes paid Pay vs Performance Disclosure [Table] Executive Category [Axis] Individual [Axis] Adjustment to Compensation [Axis] Measure [Axis] Pay vs Performance Disclosure, Table Company Selected Measure Name Named Executive Officers, Footnote Peer Group Issuers, Footnote Changed Peer Group, Footnote PEO Total Compensation Amount PEO Actually Paid Compensation Amount Adjustment To PEO Compensation, Footnote Non-PEO NEO Average Total Compensation Amount Non-PEO NEO Average Compensation Actually Paid Amount Adjustment to Non-PEO NEO Compensation Footnote Equity Valuation Assumption Difference, Footnote Compensation Actually Paid vs. Total Shareholder Return Compensation Actually Paid vs. Net Income Compensation Actually Paid vs. Company Selected Measure Total Shareholder Return Vs Peer Group Compensation Actually Paid vs. Other Measure Tabular List, Table Total Shareholder Return Amount Peer Group Total Shareholder Return Amount Net Income (Loss) Company Selected Measure Amount Other Performance Measure, Amount Adjustment to Compensation, Amount PEO Name Name Non-GAAP Measure Description Additional 402(v) Disclosure Pension Benefits Adjustments, Footnote Erroneously Awarded Compensation Recovery [Table] Restatement Determination Date [Axis] Restatement Determination Date Aggregate Erroneous Compensation Amount Erroneous Compensation Analysis Stock Price or TSR Estimation Method Outstanding Aggregate Erroneous Compensation Amount Aggregate Erroneous Compensation Not Yet Determined Name Forgone Recovery due to Expense of Enforcement, Amount Forgone Recovery due to Violation of Home Country Law, Amount Forgone Recovery due to Disqualification of Tax Benefits, Amount Forgone Recovery, Explanation of Impracticability Name Compensation Amount Restatement does not require Recovery Awards Close in Time to MNPI Disclosures [Table] Award Timing MNPI Disclosure Award Timing Method Award Timing Predetermined Award Timing MNPI Considered Award Timing, How MNPI Considered MNPI Disclosure Timed for Compensation Value Awards Close in Time to MNPI Disclosures, Table Name Underlying Securities Exercise Price Fair Value as of Grant Date Underlying Security Market Price Change Trading Arrangements, by Individual [Table] Trading Arrangement [Axis] Material Terms of Trading Arrangement Name Title Rule 10b5-1 Arrangement Adopted Non-Rule 10b5-1 Arrangement Adopted Adoption Date Rule 10b5-1 Arrangement Terminated Non-Rule 10b5-1 Arrangement Terminated Termination Date Expiration Date Arrangement Duration Insider Trading Policies and Procedures [Line Items] Insider Trading Policies and Procedures Adopted Insider Trading Policies and Procedures Not Adopted Accounting Policies [Abstract] SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Earnings Per Share [Abstract] EARNINGS PER SHARE Equity [Abstract] COMPREHENSIVE INCOME (LOSS) Investments, Debt and Equity Securities [Abstract] INVESTMENT SECURITIES Receivables [Abstract] LOANS AND ALLOWANCE FOR CREDIT LOSSES Goodwill and Intangible Assets Disclosure [Abstract] GOODWILL AND OTHER INTANGIBLES Share-Based Payment Arrangement [Abstract] SHARE-BASED COMPENSATION Debt Disclosure [Abstract] SHORT-TERM BORROWINGS AND LONG-TERM DEBT SUBORDINATED DEBT Derivative Instruments and Hedging Activities Disclosure [Abstract] DERIVATIVES AND HEDGING ACTIVITIES Fair Value Disclosures [Abstract] FAIR VALUE OF ASSETS AND LIABILITIES Accounting Changes and Error Corrections [Abstract] RECENT ACCOUNTING PRONOUNCEMENTS Nature of Operations and Basis of Presentation Wholly-owned Subsidiaries Principles of Consolidation Estimates Basis of Presentation Reclassifications Earnings per common share for the three months ended March 31, 2024 and 2023 have been computed based on the following: The components of accumulated other comprehensive loss included in shareholders’ equity are as follows: Available-for-sale and held-to-maturity investment securities at March 31, 2024 and December 31, 2023 are summarized as follows: The following table presents the unrealized gains recognized on marketable equity securities for the periods indicated: The amortized cost and fair value of available-for-sale and held-to-maturity securities at March 31, 2024, by final maturity, are shown below. Information pertaining to investment securities with gross unrealized losses Major classifications of loans at the periods indicated were as follows: A summary of the activity in the balances of mortgage servicing rights follows: An analysis of changes in the allowance for credit losses by segment for the three months ended March 31, 2024 and March 31, 2023 is as follows: The following tables present an age analysis of past due loans as of the dates indicated: The following table presents information regarding nonaccrual loans as of the dates indicated: The following table summarizes the Company’s individually evaluated collateral dependent loans by class as of the dates indicated: The following tables detail the amortized cost balances of the Company’s loan portfolio presented by risk rating and origination year as of the periods presented. The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows: The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows: The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows: The threshold, target and stretch metrics under the 2024 Incentive Plan are as follows: A summary of the status of restricted stock awards at March 31, 2024 and 2023 is presented below: As of March 31, 2024 and December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges: The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of March 31, 2024 and December 31, 2023. The table below presents the effect of the Company’s fair value hedge derivative on the statements of net income as of March 31, 2024. Assets and liabilities measured at fair value on a recurring basis are summarized below: The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2023: The estimated fair values of our financial instruments are as follows: Number of banking offices in which bank operates Net income applicable to common stock Average number of common shares issued Less: Average unallocated ESOP Shares Less: Average unvested performance-based equity incentive plan shares Average number of common shares outstanding used to calculate basic earnings per common share Effect of dilutive performance-based equity incentive plan shares Average number of common shares outstanding used to calculate diluted earnings per common share Accumulated Other Comprehensive Income (Loss) [Table] Accumulated Other Comprehensive Income (Loss) [Line Items] Net unrealized losses on available-for-sale securities Tax effect Accumulated other comprehensive loss Marketable Securities [Table] Marketable Securities [Line Items] Available-for-sale securities, amortized cost Available-for-sale securities, gross unrealized gains Available-for-sale securities, gross unrealized losses Held-to-maturity securities, amortized cost Held-to-maturity securities, gross unrealized gains Held-to-maturity securities, gross unrealized losses Total, amortized cost Total, gross unrealized gains Total, gross unrealized losses Total, fair value Net gains recognized during the period on marketable equity securities Net losses recognized during the period on equity securities sold during the period Unrealized gains recognized during the period on marketable equity securities still held at end of period Available-for-sale securities, due in one year or less, amortized cost Available-for-sale securities, due in one year or less, fair value Held-to-maturity securities, due in one year or less, amortized cost Held-to-maturity securities, due in one year or less, fair value Available-for-sale securities, due after one year through five years, amortized cost Available-for-sale securities, due after one year through five years, fair value Held-to-maturity securities, due after one year through five years, amortized cost Held-to-maturity securities, due after one year through five years, fair value Available-for-sale securities, due after five years through ten years, amortized cost Available-for-sale securities, due after five years through ten years, fair value Held-to-maturity securities, due after five years through ten years, amortized cost Held-to-maturity securities, due after five years through ten years, fair value Available-for-sale securities, due after ten years, amortized cost Available-for-sale securities, due after ten years, fair value Held-to-maturity securities, due after ten years, amortized cost Held-to-maturity securities, due after ten years, fair value Amortized cost, available for sale Fair value, available for sale Amortized cost, held to maturity Fair value, held to maturity Available-for-sale, less than 12 months, number of securities Available-for-sale, less than 12 months, fair value Available-for-sale, less than 12 months, gross unrealized loss Available-for-sale, less than 12 months, depreciation from amortized cost basis (%) Available-for-sale, over 12 months, number of securities Available-for-sale, over 12 months, fair value Available-for-sale, over 12 months, gross unrealized loss Available-for-sale, over 12 months, depreciation from amortized cost basis (%) Held-to-maturity, less than 12 months, number of securities Held-to-maturity, less than 12 months, fair value Held-to-maturity, less than 12 months, gross unrealized loss Held-to-maturity, less than 12 months, depreciation from amortized cost basis (%) Held-to-maturity, over 12 months, number of securities Held-to-maturity, over 12 months, fair value Held-to-maturity, over 12 months, gross unrealized loss Held-to-maturity, over 12 months, depreciation from amortized cost basis (%) Total, less than 12 months, number of securities Total, less than 12 months, fair value Total, less than 12 months, gross unrealized loss Total, over 12 months, number of securities Total, over 12 months, fair value Total, over 12 months, gross unrealized loss Securities fair value Accrued interest receivable on available for sale securities Accrued interest receivable on held-to-maturity securities Accounts and Financing Receivables [Table] Accounts, Notes, Loans and Financing Receivable [Line Items]  Total gross loans Unearned premiums and deferred loan fees and costs, net Total loans, net Allowance for credit losses Net loans Balance at the beginning of year: Capitalized mortgage servicing rights Amortization Balance at the end of period Fair value at the end of period Financing Receivable, Allowance for Credit Loss [Table] Financing Receivable, Allowance for Credit Loss [Line Items] Beginning balance, allowance for credit losses Provision (reversal) for credit losses Charge-offs Recoveries Ending balance, allowance for credit losses Allowance for credit losses for off-balance sheet exposures Beginning balance Provision (reversal) for credit losses Ending balance Financing Receivable, Past Due [Table] Financing Receivable, Past Due [Line Items] Total loans Non-Accrual Loans Financing Receivable, Nonaccrual, With Allowance Financing Receivable, Nonaccrual, No Allowance Financing Receivable, Nonaccrual Accrued Interest Receivable Reversed from Income Individually evaluated loans, recorded investment Loans with an allowance recorded, related allowance Financing Receivable, Credit Quality Indicator [Table] Financing Receivable, Credit Quality Indicator [Line Items] Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year Revolving Loans Revolving Loans Converted to Term Loans Total Current period gross charge-offs, Year Two, Originated, Fiscal Year before Current Fiscal Year Current period gross charge-offs, Originated, More than Five Years before Current Fiscal Year Current period gross charge-offs, Revolving Loans Current period gross charge-offs, Revolving Loans Converted to Term Loans Current period gross charge-offs Serviced commercial loans for participants Weighted average prepayment speed, PSA Weighted average internal rate of return Weighted average servicing fee percentage Net cost to service loans Mortgage loans serviced for others Servicing fee income Accrued interest receivable on loans held for investment First mortgages maximum loan-to-value percentage, owner-occupied homes First mortgages maximum loan-to-value percentage, second homes First mortgages maximum loan-to-value percentage, investment properties Loan-to-value ratio requiring private mortgage insurance Residential equity loans and lines maximum percentage of appraised value underwritten Provision for credit losses Provision for loan losses Reversal for credit losses for off-balance sheet exposures Decrease in unfunded commitments Percentage of decrease in off-balance sheet exposure Total unfunded loan commitments Total past due, percentage of total loans Nonaccrual loans Nonaccrual loans, percentage of total loans Individually evaluated loans Intangible Asset, Finite-Lived [Table] Finite-Lived Intangible Assets [Line Items] Acquired core deposit intangible Amortization period of core deposit intangible Future amortization of core deposit intangible assets years 1-4 Future amortization of core deposit intangible assets thereafter Schedule of Share-Based Compensation Arrangements by Share-Based Payment Award [Table] Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items] December 31, 2021 December 31, 2022 December 31, 2023 Three-year Cumulative Diluted Earnings Per Share December 31, 2022 December 31, 2023 December 31, 2024 Three-year Cumulatzive Diluted Earnings Per Share December 31, 2023 December 31, 2024 December 31, 2025 Three-year Cumulative Diluted Earnings Per Share December 31, 2024 December 31, 2025 December 31, 2026 Three-year Cumulative Diluted Earnings Per Share Beginning balance Beginning balance Shares granted Shares granted Shares vested Shares vested Ending balance Ending balance Shares authorized Vesting period Vesting percentage Performance based shares eligible for vest Shares available for grant Restricted stock expense Schedule of Long-Term Debt Instruments [Table] Debt Instrument [Line Items] Other borrowings Weighted average rate for other borrowings Short term borrowings Weighted average rate Borrowing capacity Line of credit available Long-term Debt Weighted average fixed rate Principal amount Interest rate Principal amount outstanding Maturity Date Earliest redemption date Benchmark rate Interest rate basis spread Issuance costs Amortization of subordinated debt issuance costs Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table] Derivatives, Fair Value [Line Items] Carrying Amount of Hedged Assets/(Liabilities) Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities) Derivative [Table] Derivative [Line Items] Fair value of derivative assets Fair value of derivative liability Derivative Asset, Statement of Financial Position [Extensible Enumeration] Derivative Liability, Statement of Financial Position [Extensible Enumeration] Derivative Instruments, Gain (Loss) [Table] Derivative Instruments, Gain (Loss) [Line Items] Total amounts of income line items presented in the statements of net income in which the effects of fair value hedges are recorded Hedged items Derivatives designated as hedging instruments Amortized cost basis of closed portfolios Cumulative basis adjustments Notional amount Remaining maturity Average fixed rate Fair Value, Recurring and Nonrecurring [Table] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Assets: Available-for-sale securities Marketable equity securities Interest rate swaps Total assets Liabilities: Interest rate swaps Impaired Loans Total losses Fair Value, by Balance Sheet Grouping [Table] Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] Cash and cash equivalents Securities held-to-maturity Securities available-for-sale Federal Home Loan Bank of Boston and other restricted stock Loans - net Accrued interest receivable Mortgage servicing rights     Derivative asset Deposits Short-term borrowings Long-term debt Subordinated debt Accrued interest payable Derivative liabilities Average number of basic shares determined by relating the portion of time within a reporting period that common shares have been outstanding to the total time in that period. Average number of shares outstanding that are used in calculating diluted EPS determined based on the timing of issuance of shares or units in the period. Correspondent Banks. Represents the information pertaining to employee stock ownership plan ESOP plan. Fair value of an mortgage servicing rights representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements. Interest income on federal funds sold. Federal funds sold represent the excess federal funds held by one commercial bank which it lends to another commercial bank, usually at an agreed-upon (federal funds) rate of interest. Such loans are made for legal reserve requirement purposes of the borrowing bank and generally are of short-duration (overnight). Also include interest income on other investments not otherwise specified in the taxonomy that will be realized in a short period of time, usually less than one year or the normal operating cycle, whichever is longer. Fair value of accrued interest payable. Third party mortgage loans serviced at period end. It represents cost to service loans. Number of branches the bank operates by location. Represents the pass. Cash outflow (inflow) related to loan originations and principal payments, net. Percent of performance stock awards participants will be able to earn during the fourth performance year. Commercial loans serviced for participants at period end. Represents the special member. Represents the state and municipal bonds. It represents stretch member. Represents the substandard. It represents target member. Three-year cumulative earnings per share diluted. It represents threshold member. Represents the time based. Information related to unallocaetd. Weighted average prepayment speed, Public Securities Association Standard Prepayment Model. Accretion of purchase accounting adjustments net. Government Sponsored Enterprise Obligations Available for sale securities continuous unrealized loss position twelve months or longer depreciation from amortized cost percentage. FRB Discount Window Percent of performance stock awards participants will be able to earn during the fifth performance year. Gain (loss) on non-marketable equity investments. Number of investments in debt securities measured at amortized cost (held-to-maturity), in continuous unrealized loss position for less than 12 months. Number of investments in debt securities measured at amortized cost (held-to-maturity), in continuous unrealized loss position for 12 months or longer. Held to maturity securities continuous unrealized loss position less than twelve months depreciation from amortized cost percentage. Held to maturity securities continuous unrealized loss position twelve months or longer depreciation from amortized cost percentage. Number of investments in debt securities measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale) and debt securities measured at amortized cost (held-to-maturity), in continuous unrealized loss position for less than 12 months. Amount of investment in available-for-sale and held-to-maturity debt securities in continuous unrealized loss position for less than 12 months. Amount of accumulated unrealized loss on investment in avilable-for-sale and held-to-maturity debt securities in continuous unrealized loss position for less than 12 months. Number of investments in debt securities measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale) and debt securities measured at amortized cost (held-to-maturity), in continuous unrealized loss position 12 months or longer. Amount of investment in available-for-sale and held-to-maturity debt securities in continuous unrealized loss position 12 months or longer. Amount of accumulated unrealized loss on investment in avilable-for-sale and held-to-maturity debt securities in continuous unrealized loss position for 12 months or longer. Value of forfeited equity incentive plan shares reissued during the period. Number of forfeited equity incentive plan shares reissued during the period. Government-sponsored mortgage-backed securities. U.S. government guaranteed mortgage-backed securities. The amount refers to service charges and fees. Available for sale securities continuous unrealized loss position less than twelve months depreciation from amortized cost percentage. Name of the equity-based compensation arrangement plan. Servicing fee income. The minimum loan-to-value ratio at loan origination requiring private mortgage insurance. Bank Schedule of original and adjusted threshold and target metrics under the LTI Plans. 2021 Omnibus Plan. Corporate Bonds It represents the percentage of weighted average internal rate of return. It represents the percentage of weighted average servicing fee. Schedule of original and adjusted threshold and target metrics under the LTI Plans. Name of the equity-based compensation arrangement plan. Percent of performance stock awards participants will be able to earn during the sixth performance year. Percent of performance stock awards participants will be able to earn during the seventh performance year. Percent of performance stock awards participants will be able to earn during the eighth performance year. Percent of performance stock awards participants will be able to earn during the ninth performance year. Three-year cumulative earnings per share diluted. Percent of performance stock awards participants will be able to earn during the tenth performance year. Percent of performance stock awards participants will be able to earn during the eleventh performance year. Percent of performance stock awards participants will be able to earn during the twelfth performance year. Three-year cumulative earnings per share diluted. Maximum percentage of appraised value of property underwritten by residential equity loans and lines. Fair value of subordinated debt. Maximum loan-to-value percentage for first mortgages on owner-occupied homes. Maximum loan-to-value percentage for first mortgages on second homes. Maximum loan-to-value percentage for first mortgages on investment properties. Percent of performance stock awards participants will be able to earn during the current performance year. Percent of performance stock awards participants will be able to earn during the next performance year. Percent of performance stock awards participants will be able to earn during the third performance year. Schedule of original and adjusted threshold and target metrics under the LTI Plans. Fair value portion of impaired loans receivable. Impaired Loans Name of the equity-based compensation arrangement plan. Amortized cost of financing receivable on nonaccrual status with allowance for credit loss. Excludes net investment in lease. Amount, excluding accrued interest, of writeoff of financing receivable originated more than five years prior to current fiscal year. Excludes net investment in lease. Amount, excluding accrued interest, of writeoff of revolving financing receivable converted to term loan. Amount, excluding accrued interest, of writeoff of financing receivable that can be withdrawn, repaid, and redrawn. Value of forfeited equity incentive plan shares reissued in connection with 2020 LTI performance share grant. Number of forfeited equity incentive plan shares reissued in connection with 2020 LTI performance share grant. Value of forfeited equity incentive plan shares reissued in connection with 2023 LTI grant. Number of forfeited equity incentive plan shares reissued in connection with 2023 LTI grant. Cumulative effect accounting adjustment, net of tax. Cumulative effect accounting adjustment, before tax. Cumulative effect accounting adjustment, ta effect. Guaranteed by government agencies. Not guaranteed by government agencies. Three-year cumulative earnings per share diluted. FRB Bank Term Funding Program. Customer counterparties. Dealer counterparties. Fair value of accrued interest receivable. Amount, excluding accrued interest, of writeoff of financing receivable originated in fiscal year before current fiscal year. Excludes net investment in lease. Percentage of increase (decrease) in off-balance sheet exposure during the period. Amount of software expense during the period. Net ATM network expense during the period. The cash outflow (inflow) associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets. Schedule of original and adjusted threshold and target metrics under the LTI Plans. With No Related Allowance Recorded. With Allowance Recorded. Amount of amortization expense for assets, excluding financial assets and goodwill, lacking physical substance with a finite life expected to be recognized for each of the next four years. Name of the equity-based compensation arrangement plan. U.S. Government Guaranteed Obligations. Tabular disclosure of individually evaluated collateral dependent loans. Cash, Cash Equivalents, and Federal Funds Sold Assets Deposits [Default Label] Liabilities Unearned ESOP Shares Deferred Compensation Equity Equity, Attributable to Parent Liabilities and Equity Interest and Dividend Income, Operating Interest Expense, Short-Term Borrowings Interest Expense, Long-Term Debt Interest Expense, Debt Interest Expense, Operating and Nonoperating Interest Income (Expense), Operating Interest Income (Expense), after Provision for Loan Loss Noninterest Income Noninterest Expense Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, before Tax OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, Tax OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment and Tax Other Comprehensive Income (Loss), Net of Tax Shares, Outstanding Forfeited Equity Incentive Plan Shares Reissued Value Stock Repurchased During Period, Value Stock Repurchased During Period, Shares Forfeited Equity Incentive Plan Shares Reissued in Connection with LTI Grant, Value Dividends, Common Stock, Cash Increase (Decrease) in Interest and Dividends Receivable Increase (Decrease) in Other Operating Assets Increase (Decrease) in Other Operating Liabilities Net Cash Provided by (Used in) Operating Activities Payments to Acquire Held-to-Maturity Securities Payments to Acquire Debt Securities, Available-for-Sale Payment Loan Originations And Principal Payments Net Payments for (Proceeds from) Federal Home Loan Bank Stock Payments to Acquire Property, Plant, and Equipment, Net Net Cash Provided by (Used in) Investing Activities Payments of Dividends Payments for Repurchase of Common Stock Net Cash Provided by (Used in) Financing Activities Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents Forgone Recovery, Individual Name Outstanding Recovery, Individual Name Awards Close in Time to MNPI Disclosures, Individual Name Trading Arrangement, Individual Name Weighted Average Number of Shares, Employee Stock Ownership Plan Shares Not Committed to be Released Weighted Average Number of Shares, Contingently Issuable Average number of common shares outstanding used to calculate basic earnings per common share Average number of common shares outstanding used to calculate diluted earnings per common share AOCI Tax, Attributable to Parent Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax Debt Securities, Held-to-Maturity, Accumulated Unrecognized Loss Debt Securities, Available-for-Sale and Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss Debt Securities, Available-for-Sale and Held-to-Maturity, Cumulative Unrecognized Gain Debt Securities, Available-for-Sale and Held-to-Maturity, Cumulative Unrecognized Loss Equity Securities, FV-NI, Gain (Loss) Debt Securities, Available-for-Sale and Held-to-Maturity, Continuous Unrealized Loss Position, Less than 12 Months, Number of Positions Debt Securities, Available-for-sale and Held-to-Maturity, Continuous Unrealized Loss Position, Less than 12 Months Debt Securities, Available-for-sale and Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss Debt Securities, Available-for-Sale and Held-to-Maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Number of Positions Debt Securities, Available-for-sale and Held-to-Maturity, Continuous Unrealized Loss Position, 12 Months or Longer Debt Securities, Available-for-sale and Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss Servicing Asset at Amortized Cost Servicing Asset at Amortized Cost, Amortization Servicing Asset at Fair Value, Amount Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff Off-Balance-Sheet, Credit Loss, Liability Off-Balance-Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal) Increase (Decrease) in Finance Receivables Percentage of increase (decrease) in off-balance sheet exposure December 31, 2021 [Default Label] Percentage of preformance earned during year five Percentage of preformance earned during year seven Percentage of preformance earned during year eight Three-year Cumulative Diluted Earnings Per Share Three Percentage of preformance earned during year ten Percentage of preformance earned during year eleven Three-year Cumulative Diluted Earnings Per Share Four Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period Hedged Asset, Fair Value Hedge, Portfolio Layer Method, Hedged Layer, Fair Value, Cumulative Increase (Decrease) Assets, Fair Value Disclosure Fair Value, Option, Changes in Fair Value, Gain (Loss) Interest Receivable Fair Value Disclosure Deposits, Fair Value Disclosure Short-Term Debt, Fair Value Long-Term Debt, Fair Value Subordinated Debt Fair Value EX-101.PRE 10 wneb-20240331_pre.xml XBRL PRESENTATION FILE XML 12 R1.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Cover - shares
 3 Months Ended
Mar. 31, 2024
May 01, 2024
Cover [Abstract]    
Document Type 10-Q  
Amendment Flag false  
Document Quarterly Report true  
Document Transition Report false  
Document Period End Date Mar. 31, 2024  
Document Fiscal Period Focus Q1  
Document Fiscal Year Focus 2024  
Current Fiscal Year End Date --12-31  
Entity File Number 001-16767  
Entity Registrant Name Western New England Bancorp, Inc.  
Entity Central Index Key 0001157647  
Entity Tax Identification Number 73-1627673  
Entity Incorporation, State or Country Code MA  
Entity Address, Address Line One 141 Elm Street  
Entity Address, City or Town Westfield  
Entity Address, State or Province MA  
Entity Address, Postal Zip Code 01086  
City Area Code (413)  
Local Phone Number 568-1911  
Title of 12(b) Security Common Stock, $0.01 par value per share  
Trading Symbol WNEB  
Security Exchange Name NASDAQ  
Entity Current Reporting Status Yes  
Entity Interactive Data Current Yes  
Entity Filer Category Accelerated Filer  
Entity Small Business true  
Entity Emerging Growth Company false  
Entity Shell Company false  
Entity Common Stock, Shares Outstanding   21,627,690
XML 13 R2.htm IDEA: XBRL DOCUMENT v3.24.1.u1
CONSOLIDATED BALANCE SHEETS - UNAUDITED - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
ASSETS    
Cash and due from banks $ 19,244 $ 20,784
Federal funds sold 709 2,991
Interest-bearing deposits and other short-term investments 2,660 5,065
Cash and cash equivalents 22,613 28,840
Available-for-sale securities, at fair value 138,362 137,115
Held-to-maturity securities, at amortized cost (Fair value of $181,679 at March 31, 2024 and $187,692 at December 31, 2023) 221,242 223,370
Marketable equity securities, at fair value 222 196
Federal Home Loan Bank stock and other restricted stock, at cost 3,105 3,707
Loans, net of allowance for credit losses of $19,884 at March 31, 2024 and $20,267 at December 31, 2023 2,005,682 2,007,050
Premises and equipment, net 24,968 25,575
Accrued interest receivable 8,622 8,528
Bank-owned life insurance 75,598 75,145
Deferred tax asset, net 14,278 13,636
Goodwill 12,487 12,487
Core deposit intangible 1,719 1,813
Other assets 28,338 27,109
TOTAL ASSETS 2,557,236 2,564,571
Deposits:    
Non-interest-bearing 559,928 579,594
Interest-bearing 1,583,819 1,564,150
Total deposits 2,143,747 2,143,744
Short-term borrowings 11,470 16,100
Long-term debt 120,646 120,646
Subordinated debt 19,722 19,712
Other liabilities 25,855 26,960
 TOTAL LIABILITIES 2,321,440 2,327,162
SHAREHOLDERS’ EQUITY:    
Preferred stock - $0.01 par value, 5,000,000 shares authorized, none outstanding at March 31, 2024 and December 31, 2023
Common stock - $0.01 par value, 75,000,000 shares authorized, 21,627,690 shares issued and outstanding at March 31, 2024; 21,666,807 shares issued and outstanding at December 31, 2023 216 217
Additional paid-in capital 125,213 125,448
Unearned compensation – ESOP (2,272) (2,394)
Unearned compensation - Equity Incentive Plan (2,174) (1,111)
Retained earnings 138,450 136,993
Accumulated other comprehensive loss (23,637) (21,744)
TOTAL SHAREHOLDERS’ EQUITY 235,796 237,409
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY $ 2,557,236 $ 2,564,571
XML 14 R3.htm IDEA: XBRL DOCUMENT v3.24.1.u1
CONSOLIDATED BALANCE SHEETS - UNAUDITED (Parenthetical) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Statement of Financial Position [Abstract]    
Held-to-maturity securities, fair value $ 181,679 $ 187,692
Loans, allowance for loan losses $ 19,884 $ 20,267
Preferred stock, par value (in dollars per share) $ 0.01 $ 0.01
Preferred stock, authorized 5,000,000 5,000,000
Preferred stock, outstanding 0 0
Common stock, par value (in dollars per share) $ 0.01 $ 0.01
Common stock, authorized 75,000,000 75,000,000
Common stock, issued 21,627,690 21,666,807
Common stock, outstanding 21,627,690 21,666,807
XML 15 R4.htm IDEA: XBRL DOCUMENT v3.24.1.u1
CONSOLIDATED STATEMENTS OF NET INCOME - UNAUDITED - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Interest and dividend income:    
Residential and commercial real estate loans $ 20,953 $ 18,252
Commercial and industrial loans 3,205 3,002
Consumer loans 83 75
Debt securities, taxable 2,112 2,076
Debt securities, tax-exempt 1 2
Marketable equity securities 1 71
Other investments 136 106
Short-term investments 113 54
Total interest and dividend income 26,604 23,638
Interest expense:    
Deposits 9,293 4,103
Short-term borrowings 283 703
Long-term debt 1,428 74
Subordinated debt 254 254
Total interest expense 11,258 5,134
Net interest and dividend income 15,346 18,504
Reversal of credit losses (550) (388)
Net interest and dividend income after reversal of credit losses 15,896 18,892
Non-interest income:    
Service charges and fees 2,219 2,187
Income from bank-owned life insurance 453 440
Loss on disposal of premises and equipment (6)
Net unrealized gain on marketable equity securities 8
Gain on non-marketable equity investments 352
Total non-interest income 2,674 2,979
Non-interest expense:    
Salaries and employee benefits 8,244 8,431
Occupancy 1,363 1,348
Furniture and equipment 484 486
Data processing 862 753
Software 699 514
Net ATM network 552 490
Professional fees 569 757
FDIC insurance assessment 410 352
Advertising 349 417
Other expenses 1,250 1,348
Total non-interest expense 14,782 14,896
Income before income taxes 3,788 6,975
Income tax provision 827 1,671
Net income $ 2,961 $ 5,304
Earnings per common share:    
Basic earnings per share $ 0.14 $ 0.24
Weighted average shares outstanding 21,180,968 21,699,042
Diluted earnings per share $ 0.14 $ 0.24
Weighted average diluted shares outstanding 21,271,323 21,716,869
Dividends per share $ 0.07 $ 0.07
XML 16 R5.htm IDEA: XBRL DOCUMENT v3.24.1.u1
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - UNAUDITED - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Income Statement [Abstract]    
Net income $ 2,961 $ 5,304
Unrealized gain (loss) on available-for-sale securities:    
Unrealized holding (loss) gain (2,536) 2,616
Net amount (2,536) 2,616
Tax effect 643 (675)
Net-of-tax amount (1,893) 1,941
Other comprehensive (loss) income (1,893) 1,941
Comprehensive income $ 1,068 $ 7,245
XML 17 R6.htm IDEA: XBRL DOCUMENT v3.24.1.u1
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - UNAUDITED - USD ($)
$ in Thousands
Common Stock [Member]
Additional Paid-in Capital [Member]
Unearned Compensation - ESOP [Member]
Deferred Compensation, Share-Based Payments [Member]
Retained Earnings [Member]
AOCI Attributable to Parent [Member]
Total
Beginning balance, value at Dec. 31, 2022 $ 222 $ 128,899 $ (2,906) $ (1,012) $ 127,982 $ (25,042) $ 228,143
Beginning balance, shares at Dec. 31, 2022 22,216,789            
Cumulative effect accounting adjustment [1] 9 9
Comprehensive income 5,304 1,941 7,245
Common stock held by ESOP committed to be released 52 128 180
Share-based compensation - equity incentive plan 529 529
Forfeited equity incentive plan shares reissued in connection with 2020 LTI performance share grant (19,761 shares) 180 (180)
Common stock repurchased $ (1) (1,350) (1,351)
Common stock repurchased, shares (143,896)            
Issuance of common stock in connection with equity incentive plan $ 1 1,348 (1,349)
Issuance of common stock in connection with equity incentive plan, shares 136,454            
Forfeited equity incentive plan shares reissued in connection with 2023 LTI grant (2,742 shares) 27 (27)
Cash dividends declared and paid on common stock ($0.07 per share) (1,533) (1,533)
Ending balance, value at Mar. 31, 2023 $ 222 129,156 (2,778) (2,039) 131,762 (23,101) 233,222
Ending balance, shares at Mar. 31, 2023 22,209,347            
Beginning balance, value at Dec. 31, 2023 $ 217 125,448 (2,394) (1,111) 136,993 (21,744) 237,409
Beginning balance, shares at Dec. 31, 2023 21,666,807            
Comprehensive income 2,961 (1,893) 1,068
Common stock held by ESOP committed to be released 30 122 152
Share-based compensation - equity incentive plan 505 505
Forfeited equity incentive plan shares reissued in connection with 2021 LTI performance share grant (4,219 shares) 35 (35)
Common stock repurchased $ (3) (1,831) (1,834)
Common stock repurchased, shares (221,947)            
Issuance of common stock in connection with equity incentive plan $ 2 1,531 (1,533)
Issuance of common stock in connection with equity incentive plan, shares 182,830            
Cash dividends declared and paid on common stock ($0.07 per share) (1,504) (1,504)
Ending balance, value at Mar. 31, 2024 $ 216 $ 125,213 $ (2,272) $ (2,174) $ 138,450 $ (23,637) $ 235,796
Ending balance, shares at Mar. 31, 2024 21,627,690            
[1] Represents gross transition adjustment amount of $13,000, net of taxes of $4,000, to reflect the cumulative impact on retained earnings pursuant to the Company’s adoption of Accounting Standards Update (“ASU”) 2016-13 Financial Instruments-Credit Losses on Financial Instruments and relevant amendments.
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CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - UNAUDITED (Parenthetical) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Common stock held by ESOP committed to be released (shares) 71,240 74,993
Forfeited equity incentive plan shares reissued in connection with 2020 LTI performance share grant, shares   19,761
Forfeited equity incentive plan shares reissued in connection with 2023 LTI grant, shares   2,742
Forfeited equity incentive plan shares reissued in connection with 2021 LTI performance share grant, shares 4,219  
Cash dividends declared and paid on common stock (per share) $ 0.07 $ 0.07
Accounting Standards Update 2016-13 [Member]    
Cumulative effect accounting adjustment, before tax   $ 13
Cumulative effect accounting adjustment, tax   $ 4
XML 19 R8.htm IDEA: XBRL DOCUMENT v3.24.1.u1
CONSOLIDATED STATEMENTS OF CASH FLOWS - UNAUDITED - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 2,961 $ 5,304
Adjustments to reconcile net income to net cash provided by (used in) operating activities:    
Reversal of credit losses (550) (388)
Depreciation and amortization of premises and equipment 560 562
Net (accretion) amortization of purchase accounting adjustments (71) 72
Amortization of core deposit intangible 94 94
Net amortization of premiums and discounts on securities and mortgage loans 291 330
Net amortization of deferred costs on loans 103 106
Net amortization of premiums on subordinated debt 10 9
Share-based compensation expense 505 529
ESOP expense 152 180
Net change in unrealized gain on marketable equity securities (8)
Loss on the disposal of premises and equipment 6
Income from bank-owned life insurance (453) (440)
Net change in:    
Accrued interest receivable (94) 131
Other assets (1,207) (1,424)
Other liabilities (1,127) (11,043)
Net cash provided by (used in) operating activities 1,172 (5,978)
CASH FLOWS FROM INVESTING ACTIVITIES:    
Purchases of held-to-maturity securities (1,100)
Proceeds from calls, maturities and principal collections of held-to-maturity securities 3,126 3,065
Purchases of available-for-sale securities and marketable equity securities (9,362)
Proceeds from calls, maturities, and principal collections of available-for-sale securities 5,374 2,949
Loan originations and principal payments, net 1,895 (15,770)
Redemption (purchase) of Federal Home Loan Bank of Boston stock 602 (3,821)
Purchases of premises and equipment 19 2
Proceeds from disposal of premises and equipment 12
Net cash provided by (used in) investing activities 566 (13,575)
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net increase (decrease) in deposits 3 (72,315)
Net (decrease) increase in short-term borrowings (4,630) 57,640
Proceeds from issuance of long-term debt 30,000
Cash dividends paid on common stock (1,504) (1,533)
Common stock repurchased (1,834) (1,351)
Net cash (used in) provided by financing activities (7,965) 12,441
NET CHANGE IN CASH AND CASH EQUIVALENTS: (6,227) (7,112)
Beginning of period 28,840 30,342
End of period 22,613 23,230
Supplemental cash flow information:    
Interest paid 10,153 4,984
Taxes paid $ 627 $ 3,077
XML 20 R9.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Pay vs Performance Disclosure - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Pay vs Performance Disclosure [Table]    
Net Income (Loss) $ 2,961 $ 5,304
XML 21 R10.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Insider Trading Arrangements
 3 Months Ended
Mar. 31, 2024
Trading Arrangements, by Individual [Table]  
Rule 10b5-1 Arrangement Adopted false
Non-Rule 10b5-1 Arrangement Adopted false
Rule 10b5-1 Arrangement Terminated false
Non-Rule 10b5-1 Arrangement Terminated false
XML 22 R11.htm IDEA: XBRL DOCUMENT v3.24.1.u1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
 3 Months Ended
Mar. 31, 2024
Accounting Policies [Abstract]  
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

 

Nature of Operations and Basis of Presentation. Western New England Bancorp, Inc. (“WNEB,” “Company,” “we,” or “us”) is a Massachusetts-chartered stock holding company for Westfield Bank, a federally-chartered savings bank (“Bank”).

 

The Bank operates 25 banking offices in Hampden County and Hampshire County in western Massachusetts and Hartford County and Tolland County in northern Connecticut, and its primary sources of revenue are interest income from loans as well as interest income from investment securities. The West Hartford Financial Services Center serves as the Company’s Connecticut hub, housing Commercial Lending, Cash Management and a Mortgage Loan Officer. The Bank’s deposits are insured up to the maximum Federal Deposit Insurance Corporation (“FDIC”) coverage limits.

 

Wholly-owned Subsidiaries. Elm Street Securities Corporation, WFD Securities, Inc. and CSB Colts, Inc., are Massachusetts-chartered securities corporations, formed for the primary purpose of holding qualified securities. WB Real Estate Holdings, LLC is a Massachusetts-chartered limited liability company that holds real property acquired as security for debts previously contracted by the Bank.

 

Principles of Consolidation. The consolidated financial statements include the accounts of Western New England Bancorp, Inc., the Bank, CSB Colts, Inc., Elm Street Securities Corporation, WB Real Estate Holdings, LLC and WFD Securities, Inc. All material intercompany balances and transactions have been eliminated in consolidation.

 

Estimates. The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of income and expenses for each. Actual results could differ from those estimates. Estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for credit losses and goodwill impairment.

 

Basis of Presentation. In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation of our financial condition as of March 31, 2024, and the results of operations, changes in shareholders’ equity and cash flows for the interim periods presented. The results of operations for the three months ended March 31, 2024 are not necessarily indicative of the results of operations for the year ending December 31, 2024. Certain information and disclosures normally included in financial statements prepared in accordance with U.S. GAAP have been omitted pursuant to the rules and regulations of the Securities and Exchange Commission.

 

On January 1, 2023, the Company adopted ASU 2016-13 Financial Instruments - Credit Losses (Topic326): Measurement of Credit Losses on Financial Instruments, which requires the recognition of the allowance for credit losses be estimated using the current expected credit loss (“CECL”) methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases.

 

These unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements as of and for the year ended December 31, 2023, included in our Annual Report on Form 10-K for the year ended December 31, 2023 (the “2023 Annual Report”).

 

Reclassifications. Amounts in the prior period financial statements are reclassified when necessary to conform to the current year presentation.

 
XML 23 R12.htm IDEA: XBRL DOCUMENT v3.24.1.u1
EARNINGS PER SHARE
 3 Months Ended
Mar. 31, 2024
Earnings per common share:  
EARNINGS PER SHARE

2. EARNINGS PER SHARE

 

Basic earnings per share represents income available to common shareholders divided by the weighted-average number of common shares outstanding during the period. If rights to dividends on unvested awards are non-forfeitable, these unvested awards are considered outstanding in the computation of basic earnings per share. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by us relate to stock options and certain performance-based restricted stock awards and are determined using the treasury stock method. Unallocated Employee Stock Ownership Plan (“ESOP”) shares are not deemed outstanding for earnings per share calculations. There were no anti-dilutive shares outstanding during the three months ended March 31, 2024 and 2023.

 

Earnings per common share for the three months ended March 31, 2024 and 2023 have been computed based on the following:

 

             
   Three Months Ended 
   March 31, 
   2024   2023 
   (In thousands, except per share data) 
Net income applicable to common stock  $2,961   $5,304 
           
Average number of common shares issued   21,640    22,220 
Less: Average unallocated ESOP Shares   (291)   (367)
Less: Average unvested performance-based equity incentive plan shares   (168)   (154)
           
Average number of common shares outstanding used to calculate basic earnings per common share   21,181    21,699 
           
Effect of dilutive performance-based equity incentive plan shares   90    18 
           
Average number of common shares outstanding used to calculate diluted earnings per common share   21,271    21,717 
Basic earnings per share  $0.14   $0.24 
Diluted earnings per share  $0.14   $0.24 

 
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COMPREHENSIVE INCOME (LOSS)
 3 Months Ended
Mar. 31, 2024
Equity [Abstract]  
COMPREHENSIVE INCOME (LOSS)

3. COMPREHENSIVE INCOME (LOSS)

 

Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income (loss).

 

The components of accumulated other comprehensive loss included in shareholders’ equity are as follows:

 

   March 31, 2024   December 31, 2023 
   (In thousands) 
Net unrealized losses on available-for-sale securities  $(31,702)  $(29,166)
Tax effect   8,065    7,422 
 Net-of-tax amount   (23,637)   (21,744)
           
Accumulated other comprehensive loss  $(23,637)  $(21,744)

 
XML 25 R14.htm IDEA: XBRL DOCUMENT v3.24.1.u1
INVESTMENT SECURITIES
 3 Months Ended
Mar. 31, 2024
Investments, Debt and Equity Securities [Abstract]  
INVESTMENT SECURITIES

4.     INVESTMENT SECURITIES

 

Available-for-sale and held-to-maturity investment securities at March 31, 2024 and December 31, 2023 are summarized as follows:

 

   March 31, 2024 
   Amortized
Cost		   Gross
Unrealized
Gains		   Gross
Unrealized
Losses		   Fair Value 
   (In thousands) 
Available-for-sale securities:                    
Debt securities:                    
Government-sponsored enterprise obligations  $14,927   $—   $(3,095)  $11,832 
State and municipal bonds   135    —    (1)   134 
Corporate bonds   5,000    —    (929)   4,071 
Total debt securities   20,062    —    (4,025)   16,037 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   143,410    —    (26,321)   117,089 
 U.S. government guaranteed mortgage-backed securities   6,592    —    (1,356)   5,236 
Total mortgage-backed securities   150,002    —    (27,677)   122,325 
                     
Total available-for-sale   170,064    —    (31,702)   138,362 
                     
Held-to-maturity securities:                    
Debt securities:                    
U.S. Treasury securities   9,997    —    (534)   9,463 
U.S. government guaranteed obligations   1,100    3    —    1,103 
Total debt securities   11,097    3    (534)   10,566 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   210,145    36    (39,068)   171,113 
Total mortgage-backed securities   210,145    36    (39,068)   171,113 
                     
 Total held-to-maturity   221,242    39    (39,602)   181,679 

Total

  $391,306   $39   $(71,304)  $320,041 

 

   December 31, 2023 
   Amortized Cost   Gross
Unrealized
Gains		   Gross
Unrealized
Losses		   Fair Value 
   (In thousands) 
Available-for-sale securities:                    
Debt securities:                    
Government-sponsored enterprise obligations  $14,924   $—   $(2,898)  $12,026 
State and municipal bonds   135    —    —    135 
Corporate bonds   8,000    —    (1,038)   6,962 
Total debt securities   23,059    —    (3,936)   19,123 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   136,533    —    (23,976)   112,557 
 U.S. government guaranteed mortgage-backed securities   6,689    —    (1,254)   5,435 
Total mortgage-backed securities   143,222    —    (25,230)   117,992 
                     
Total available-for-sale   166,281    —    (29,166)   137,115 
                     

Held-to-maturity securities:

                    
Debt securities:                    
U.S. Treasury securities   9,995    —    (545)   9,450 
Total debt securities   9,995    —    (545)   9,450 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   213,375    107    (35,240)   178,242 
Total mortgage-backed securities   213,375    107    (35,240)   178,242 
                     
 Total held-to-maturity   223,370    107    (35,785)   187,692 

Total

  $389,651   $107   $(64,951)  $324,807 

 

The following table presents the unrealized gains recognized on marketable equity securities for the periods indicated:

 

             
  

Three Months Ended

March 31

 
   2024   2023 
   (In thousands) 
Net gains recognized during the period on marketable equity securities  $8   $— 
Net losses recognized during the period on equity securities sold during the period   —    — 
Unrealized gains recognized during the period on marketable equity securities still held at end of period  $8   $— 

 

 

At March 31, 2024, U.S. Treasury securities with a fair value of $9.5 million, government-sponsored enterprise obligations with a fair value of $7.8 million and mortgage-backed securities with a fair value of $169.4 million were pledged to secure public deposits, the Bank Term Funding Program (“BTFP”) and for other purposes as required or permitted by law. The securities collateralizing public deposits are subject to fluctuations in fair value. We monitor the fair value of the collateral on a periodic basis, and pledge additional collateral if necessary based on changes in fair value of collateral or the balances of such deposits.

 

The amortized cost and fair value of available-for-sale and held-to-maturity securities at March 31, 2024, by final maturity, are shown below. Actual maturities may differ from contractual maturities because certain issuers have the right to call or prepay obligations.

 

   Available-for-Sale   Held-to-Maturity 
   Amortized Cost   Fair Value   Amortized Cost   Fair Value 
   (In thousands) 
Debt securities:                    
Due in one year or less  $135   $134   $4,994   $4,864 
Due after one year through five years   —    —    5,003    4,599 
Due after five years through ten years   19,927    15,903    —    — 
Due after ten years   —    —    1,100    1,103 
Total debt securities  $20,062   $16,037   $11,097   $10,566 

 

Mortgage-backed securities:                
Due after one year through five years  $962   $916   $—   $— 
Due after five years through ten years   844    767    —    — 
Due after ten years   148,196    120,642    210,145    171,113 
 Total mortgage-backed securities   150,002    122,325    210,145    171,113 
Total securities  $170,064   $138,362   $221,242   $181,679 

 

There were no sales of available-for-sale securities for the three months ended March 31, 2024 and 2023.

 

Allowance for Credit Losses – Available-for-Sale Securities

 

The Company measures expected credit losses on available-for-sale debt securities based upon the gain or loss position of the security. For available-for-sale debt securities in an unrealized loss position which the Company does not intend to sell, and it is not more likely than not that the Company will be required to sell the security before recovery of the Company’s amortized cost, the Company evaluates qualitative criteria to determine any expected loss. This includes among other items the financial health of, and specific prospects for the issuer, including whether the issuer is in compliance with the terms and covenants of the security. The Company also evaluates quantitative criteria including determining whether there has been an adverse change in expected future cash flows of the security. Available-for-sale securities which are guaranteed by government agencies do not currently have an allowance for credit loss as the Company determined these securities are either backed by the full faith and credit of the U.S. government and/or there is an unconditional commitment to make interest payments and to return the principal investment in full to investors when a debt security reaches maturity. In assessing the Company’s investments in government-sponsored and U.S. government guaranteed mortgage-backed securities and government-sponsored enterprise obligations, the contractual cash flows of these investments are guaranteed by the respective government-sponsored enterprise; Federal Home Loan Mortgage Corporation (“FHLMC”), Federal National Mortgage Association (“FNMA”), Federal Farm Credit Bank (“FFCB”), or Federal Home Loan Bank (“FHLB”). Accordingly, it is expected that the securities would not be settled at a price less than the par value of the Company’s investments. The Company will evaluate this position no less than annually, however, certain items which may cause the Company to change this methodology include legislative changes that remove a government-sponsored enterprise’s ability to draw funds from the U.S. government, or legislative changes to housing policy that reduce or eliminate the U.S. government’s implicit guarantee on such securities. Accrued interest receivable on available-for-sale securities guaranteed by government agencies totaled $360,000 at March 31, 2024 and $333,000 at December 31, 2023, and is excluded from the estimate of credit losses. If the Company does not expect to recover the entire amortized cost basis of the security, an allowance for credit losses would be recorded, with a related charge to earnings, limited by the amount of the fair value of the security less its amortized cost. If the Company intends to sell the security or it is more likely than not that the Company will be required to sell the debt security before recovery of its amortized cost basis, the Company recognizes the entire difference between the amortized cost basis of the security and its fair value in earnings. Any impairment that has not been recorded through an allowance for credit loss is recognized in other comprehensive income. Accrued interest receivable on available-for-sale debt securities not guaranteed by government agencies totaled $51,000 at March 31, 2024 and $178,000 at December 31, 2023, and is excluded from the estimate of credit losses. There were no allowance for credit losses established on available-for-sale debt securities during the three months ended March 31, 2024.

 

Allowance for Credit Losses – Held-to-Maturity Securities

 

The Company measures expected credit losses on held-to-maturity debt securities on a collective basis by security type and risk rating where available. The reserve for each pool is calculated based on a Probability of Default/Loss Given Default basis taking into consideration the expected life of each security. Held-to-maturity securities which are issued by the United States Treasury or are guaranteed by government agencies do not currently have an allowance for credit loss as the Company determined these securities are either backed by the full faith and credit of the U.S. government and/or there is an unconditional commitment to make interest payments and to return the principal investment in full to investors when a debt security reaches maturity. In assessing the Company’s investments in government-sponsored and U.S. government guaranteed mortgage-backed securities and government-sponsored enterprise obligations, the contractual cash flows of these investments are guaranteed by the respective government-sponsored enterprise; FHLMC, FNMA, FFCB, or FHLB. Accordingly, it is expected that the securities would not be settled at a price less than the par value of the Company’s investments. The Company will evaluate this position no less than annually, however, certain items which may cause the Company to change this methodology include legislative changes that remove a government-sponsored enterprise’s ability to draw funds from the U.S. government, or legislative changes to housing policy that reduce or eliminate the U.S. government’s implicit guarantee on such securities. Any expected credit losses on held-to-maturity securities would be presented as an allowance for credit loss. Accrued interest receivable on held-to-maturity securities totaled $482,000 at March 31, 2024 and $454,000 at December 31, 2023, and is excluded from the estimate of credit losses. There were no allowance for credit losses established on held-to-maturity securities during the three months ended March 31, 2024.

 

At March 31, 2024 and December 31, 2023, management attributed the unrealized losses to increases in current market yields compared to the yields at the time the investments were purchased by the Company and not due to credit quality. There was no credit loss during the three months ended March 31, 2024 and March 31, 2023, respectively. At March 31, 2024, there was one available-for-sale corporate bond that was rated below investment grade by one or more ratings agencies, while at December 31, 2023, there were two available-for-sale corporate bonds that were rated below investment grade by one or more ratings agencies. At March 31, 2024, the Company reviewed the financial strength of the one available-for-sale corporate bond below investment grade and concluded that the amortized cost remains supported by the expected future cash flows of the security.

 

Information pertaining to investment securities with gross unrealized losses as of March 31, 2024 and December 31, 2023 for which the Company did not recognize a provision for credit losses under CECL, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows:

 

   March 31, 2024 
   Less Than Twelve Months   Over Twelve Months 
   Number of Securities   Fair Value   Gross Unrealized Loss   Depreciation from Amortized Cost Basis (%)   Number of Securities   Fair Value   Gross Unrealized Loss   Depreciation from Amortized Cost Basis (%) 
   (Dollars in thousands) 
Available-for-sale:                                
Government-sponsored mortgage-backed securities   2   $9,295   $13    0.1%   70   $107,794   $26,308    19.6%
U.S. government guaranteed mortgage-backed securities   —    —    —    —    9    5,236    1,356    20.6 
Government-sponsored enterprise obligations   —    —    —    —    3    11,832    3,095    20.7 
Corporate bonds   —    —    —    —    2    4,071    929    18.6 
State and municipal bonds   1    134    1    0.7    —    —    —    — 
Total available-for-sale   3    9,429    14         84    128,933    31,688      
                                         
Held-to-maturity:                                        
U.S. Treasury securities   —    —    —    —%   2    9,463    534    5.3%
Government-sponsored mortgage-backed securities   3    5,711    80    1.4    37    159,059    38,988    19.7 
Total held-to-maturity   3    5,711    80         39    168,522    39,522      
                                         
Total   6   $15,140   $94         123   $297,455   $71,210      

 

   December 31, 2023 
   Less Than Twelve Months   Over Twelve Months 
   Number of Securities   Fair Value   Gross Unrealized Loss   Depreciation from Amortized Cost Basis (%)   Number of Securities   Fair Value   Gross Unrealized Loss   Depreciation from Amortized Cost Basis (%) 
   (Dollars in thousands) 
Available-for-sale:                                
Government-sponsored mortgage-backed securities   —   $—   $—    —%   70   $112,557   $23,976    17.6%
U.S. government guaranteed mortgage-backed securities   —    —    —    —    9    5,435    1,254    18.7 
Government-sponsored enterprise obligations   —    —    —    —    3    12,026    2,898    19.4 
Corporate bonds   —    —    —    —    3    6,962    1,038    13.0 
Total available-for-sale   —    —    —         85    136,980    29,166      
                                         
Held-to-maturity:                                        
U.S. Treasury securities   —    —    —    —%   2    9,450    545    5.5%
Government-sponsored mortgage-backed securities   4    7,097    56    0.8    36    164,395    35,184    17.6 
Total held-to-maturity   4    7,097    56         38    173,845    35,729      
                                         
Total   4   $7,097   $56         123   $310,825   $64,895      
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LOANS AND ALLOWANCE FOR CREDIT LOSSES
 3 Months Ended
Mar. 31, 2024
Receivables [Abstract]  
LOANS AND ALLOWANCE FOR CREDIT LOSSES

5.        LOANS AND ALLOWANCE FOR CREDIT LOSSES

 

Major classifications of loans at the periods indicated were as follows:

 

   March 31,   December 31, 
   2024   2023 
   (In thousands) 
Commercial real estate  $1,083,910   $1,079,751 
Residential real estate:          
Residential one-to-four family   615,277    612,315 
Home equity   111,488    109,839 
 Total residential real estate   726,765    722,154 
           
Commercial and industrial   207,307    217,447 
           
Consumer   4,998    5,472 
 Total gross loans   2,022,980    2,024,824 
Unearned premiums and deferred loan fees and costs, net   2,586    2,493 
Total loans, net   2,025,566    2,027,317 
Allowance for credit losses   (19,884)   (20,267)
Net loans  $2,005,682   $2,007,050 

 

Loans Serviced for Others.

 

The Company has transferred a portion of its originated commercial loans to participating lenders. The amounts transferred have been accounted for as sales and are therefore not included in our accompanying consolidated balance sheets. We continue to service the loans on behalf of the participating lenders. We share with participating lenders, on a pro-rata basis, any gains or losses that may result from a borrower’s lack of compliance with contractual terms of the loan. At March 31, 2024 and December 31, 2023, the Company was servicing commercial loans participated out to various other institutions totaling $59.1 million and $65.0 million, respectively.

 

Residential real estate mortgages are originated by the Company both for its portfolio and for sale into the secondary market. The Company may sell its loans to institutional investors such as the FHLMC. Under loan sale and servicing agreements with the investor, the Company generally continues to service the residential real estate mortgages. The Company pays the investor an agreed upon rate on the loan, which is less than the interest rate received from the borrower. The Company retains the difference as a fee for servicing the residential real estate mortgages. The Company capitalizes mortgage servicing rights at their fair value upon sale of the related loans, amortizes the asset over the estimated life of the serviced loan, and periodically assesses the asset for impairment. The significant assumptions used by a third party to estimate the fair value of capitalized servicing rights at March 31, 2024, include weighted average prepayment speed for the portfolio using the Public Securities Association Standard Prepayment Model (104 PSA), weighted average internal rate of return (10.01%), weighted average servicing fee (0.25%), and average cost to service loans ($83.38 per loan). The estimated fair value of capitalized servicing rights may vary significantly in subsequent periods primarily due to changing market interest rates, and their effect on prepayment speeds and discount rates. There were no sales of residential real estate mortgages to the secondary market during the three months ended March 31, 2024.

 

At March 31, 2024 and December 31, 2023, the Company was servicing residential mortgage loans owned by investors totaling $71.4 million and $72.3 million, respectively. Servicing fee income of $44,000 and $50,000 was recorded for the three months ended March 31, 2024 and 2023, respectively, and is included in service charges and fees on the consolidated statements of net income.

 

A summary of the activity in the balances of mortgage servicing rights follows:

 

         
   Three Months Ended March 31, 
   2024   2023 
   (In thousands) 
Balance at the beginning of year:  $422   $550 
Capitalized mortgage servicing rights   —    — 
Amortization   (22)   (35)
Balance at the end of period  $400   $515 
Fair value at the end of period  $707   $779 

 

Loans are recorded at the principal amount outstanding, adjusted for charge-offs, unearned premiums and deferred loan fees and costs. Interest on loans is calculated using the effective yield method on daily balances of the principal amount outstanding and is credited to income on the accrual basis to the extent it is deemed collectable. Our general policy is to discontinue the accrual of interest when principal or interest payments are delinquent 90 days or more based on the contractual terms of the loan, or earlier if there are concerns regarding the collectability of the loan. Any unpaid amounts previously accrued on these loans are reversed from income. Subsequent cash receipts are applied to the outstanding principal balance or to interest income if, in the judgment of management, collection of the principal balance is not in question. Loans are returned to accrual status when they become current as to both principal and interest and perform in accordance with contractual terms for a period of at least six months, reducing the concern as to the collectability of principal and interest. Loan fees and certain direct loan origination costs are deferred, and the net fee or cost is recognized as an adjustment to interest income over the estimated average lives of the related loans.

 

Allowance for Credit Losses.

 

The allowance for credit losses is an estimate of expected losses inherent within the Company’s existing loans held for investment portfolio. The allowance for credit losses for loans held for investment, as reported in our consolidated balance sheet, is adjusted by a credit loss expense, which is reported in earnings, and reduced by the charge-off of loan amounts, net of recoveries. Accrued interest receivable on loans held for investment was $7.6 million at March 31, 2024 and $7.5 million at December 31, 2023 and is excluded from the estimate of credit losses.

 

The loan loss estimation process involves procedures to appropriately consider the unique characteristics of loan portfolio segments, which consist of commercial real estate loans, residential real estate loans, commercial and industrial loans, and consumer loans. These segments are further disaggregated into loan classes, the level at which credit risk is monitored. For each of these pools, the Company generates cash flow projections at the instrument level wherein payment expectations are adjusted for estimated prepayment speed, curtailments, time to recovery, probability of default, and loss given default. The modeling of expected prepayment speeds, curtailment rates, and time to recovery are based on historical internal data. The quantitative component of the ACL on loans is model-based and utilizes a forward-looking macroeconomic forecast. The Company uses a discounted cash flow method, incorporating probability of default and loss given default forecasted based on statistically derived economic variable loss drivers, to estimate expected credit losses. This process includes estimates which involve modeling loss projections attributable to existing loan balances, and considering historical experience, current conditions, and future expectations for pools of loans over a reasonable and supportable forecast period. The historical information either experienced by the Company or by a selection of peer banks, when appropriate, is derived from a combination of recessionary and non-recessionary performance periods for which data is available.

 

Commercial real estate loans. Loans in this segment include commercial real estate, multi-family dwellings, owner-occupied commercial real estate and income producing investment properties, as well as commercial construction loans for commercial development projects throughout New England. The underlying cash flows generated by the properties or operations can be adversely impacted by a downturn in the economy due to increased vacancy rates or diminished cash flows, which in turn, would have an effect on the credit quality in this segment. Management obtains financial information annually and continually monitors the cash flows of these loans.

 

Residential real estate loans. This portfolio segment consists of first mortgages, home equity loans, and home equity lines secured by one-to-four family residential properties. First mortgages may be underwritten to a maximum loan-to-value of 97% for owner-occupied homes, 90% for second homes and 85% for investment properties. Mortgages with loan-to-values greater than 80% require private mortgage insurance. We do not grant subprime loans. Home equity loans and lines are secured by first or second mortgages on one-to-four family owner-occupied properties. Equity loans and lines are underwritten to a maximum combined loan-to-value of 85% of the appraised value of the property. Underwriting approval is dependent on review of the borrower’s ability to repay and credit history in accordance with Westfield Bank’s policy. The overall health of the economy, including unemployment rates and housing pricing, will have an effect on the credit quality in this segment.

 

Commercial and industrial loans. Loans in this segment include commercial business loans and are generally secured by assignments of corporate assets and personal guarantees of the business owners. Repayment is expected from the cash flows of the business. A weakened economy, and resultant decreased consumer spending, will have an effect on the credit quality in this segment.

 

Consumer loans. Loans in this segment are both secured and unsecured and repayment is dependent on the credit quality of the individual borrower.

 

Discounted cash flow method (“DCF”)

 

In estimating the component of the allowance for credit losses for loans that share similar risk characteristics with other loans, such loans are segregated into loan classes. Loans are designated into loan classes based on loans pooled by product types and similar risk characteristics or areas of risk concentration. In determining the allowance for credit losses, we derive an estimated credit loss assumption from a model that categorizes loan pools based on loan type and purpose. This model calculates an expected loss percentage for each loan class by considering the probability of default, using life-of-loan analysis periods for all loan segments, and the historical severity of loss, based on the aggregate net lifetime losses incurred per loan class. The default and severity factors used to calculate the allowance for credit losses for loans that share similar risk characteristics with other loans are adjusted for differences between the historical period used to calculate historical default and loss severity rates and expected conditions over the remaining lives of the loans in the portfolio related to: (1) lending policies and procedures; (2) international, national, regional and local economic business conditions and developments that affect the collectability of the portfolio; (3) the nature and volume of the loan portfolio including the terms of the loans; (4) the experience, ability, and depth of the lending management and other relevant staff; (5) the volume and severity of past due and adversely classified loans and the volume of nonaccrual loans; (6) the quality of our loan review system and (7) the value of underlying collateral for collateralized loans. Additional factors include the existence and effect of any concentrations of credit, and changes in the level of such concentrations and the effect of external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the existing portfolio. Such factors are used to adjust the historical probabilities of default and severity of loss so that they reflect management expectation of future conditions based on a reasonable and supportable forecast. The Company uses regression analysis of historical internal and peer data to determine which variables are best suited to be economic variables utilized when modeling lifetime probability of default and loss given default. This analysis also determines how expected probability of default and loss given default will react to forecasted levels of the economic variables.

 

For all DCF models, management has determined that four quarters represents a reasonable and supportable forecast period and reverts back to a historical loss rate over four quarters on a straight-line basis. Other internal and external indicators of economic forecasts are also considered by management when developing the forecast metrics.

 

Individually evaluated financial assets

 

For a loan that does not share risk characteristics with other loans, expected credit loss is measured based on net realizable value, that is, the difference between the discounted value of the expected future cash flows, based on the original effective interest rate, and the amortized cost basis of the loan. For these loans, we recognize expected credit loss equal to the amount by which the net realizable value of the loan is less than the amortized cost basis of the loan (which is net of previous charge-offs and deferred loan fees and costs), except when the loan is collateral dependent, that is, when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. In these cases, expected credit loss is measured as the difference between the amortized cost basis of the loan and the fair value of the collateral. The fair value of the collateral is adjusted for the estimated cost to sell if repayment or satisfaction of a loan is dependent on the sale (rather than only on the operation) of the collateral.

 

Allowance for credit losses on off-balance sheet credit exposures, including unfunded loan commitments

 

The Company maintains a separate allowance for credit losses from off-balance-sheet credit exposures, including unfunded loan commitments, which is included in other liabilities on the balance sheet. Management estimates the amount of expected losses by calculating a commitment usage factor over the contractual period for exposures that are not unconditionally cancellable by the Company and applying the loss factors used in the ACL methodology to the results of the usage calculation to estimate the liability for credit losses related to unfunded commitments for each loan type. No credit loss estimate is reported for off-balance-sheet credit exposures that are unconditionally cancellable by the Company, such as undrawn amounts under such arrangements that may be drawn prior to the cancellation of the arrangement. The allowance for credit losses on off-balance sheet credit exposures is adjusted as credit loss expense. Categories of off-balance sheet credit exposures correspond to the loan portfolio segments described above. Management evaluates the need for a reserve on unfunded loan commitments in a manner consistent with loans held for investment.

 

An analysis of changes in the allowance for credit losses by segment for the three months ended March 31, 2024 and March 31, 2023 is as follows:

 

   Commercial Real Estate   Residential Real Estate   Commercial and Industrial   Consumer   Unallocated   Total 
   (In thousands) 
                         
Balance at December 31, 2023  $15,141   $2,548   $2,537   $41   $—   $20,267 
Provision (reversal) for credit losses   (398)   (71)   (95)   114    —    (450)
Charge-offs   —    (7)   (1)   (59)   —    (67)
Recoveries   28    11    67    28    —    134 
Balance at March 31, 2024  $14,771   $2,481   $2,508   $124   $—   $19,884 
                               
Allowance for credit losses for off-balance sheet exposures                              
Balance at December 31, 2023  $375   $163   $59   $—   $—   $597 
Provision (reversal) for credit losses   (111)   21    (10)   —    —    (100)
Balance at March 31, 2024  $264   $184   $49   $—   $—   $497 

 

   Commercial Real Estate   Residential Real Estate   Commercial and Industrial   Consumer   Unallocated   Total 
   (In thousands) 
                         
Balance at December 31, 2022  $12,199   $4,312   $3,160   $245   $15   $19,931 
Cumulative effect of change in accounting principle   3,989    (2,518)   (75)   (199)   (15)   1,182 
Adjusted Beginning Balance  $16,188   $1,794   $3,085    46    —   $21,113 
Provision (reversal) for credit losses   (349)   83    3    31    —    (232)
Charge-offs   (414)   —    (1,413)   (35)   —    (1,862)
Recoveries   —    —    1    11    —    12 
Balance at March 31, 2023  $15,425   $1,877   $1,676   $53   $—   $19,031 
                               

Allowance for credit losses for off-balance sheet exposures

                              
Balance at December 31, 2022  $—   $—   $—   $—   $—   $— 
Cumulative effect of change in accounting principle   611    267    40    —    —    918 
Provision (reversal) for credit losses   (93)   (62)   (1)   —    —    (156)
Balance at March 31, 2023  $518   $205   $39   $—   $—   $762 

 

The $550,000 reversal of credit losses during the three months ended March 31, 2024 was comprised of a $450,000 reversal of credit losses for loans and a $100,000 reversal of credit losses for unfunded commitments. The $100,000 reversal of credit losses for unfunded commitments for the three months ended March 31, 2024 was primarily related to the impact of lower unfunded loan commitments. Total unfunded loan commitments decreased $12.4 million, or 7.6%, to $149.9 million at March 31, 2024 from $162.3 million at December 31, 2023.

 

The provision for credit losses was determined by a number of factors: the continued strong credit performance of the Company’s loan portfolio, changes in the loan portfolio mix and management’s consideration of existing economic conditions and the economic outlook from the Federal Reserve’s actions to control inflation. Management continues to monitor macroeconomic variables related to increasing interest rates, inflation and the concerns of an economic downturn, and believes it is appropriately reserved for the current economic environment and supportable forecast period.

 

Past Due Loans.

 

The following tables present an age analysis of past due loans as of the dates indicated:

 

   30 – 59 Days Past Due   60 – 89 Days Past Due   90 Days or More Past Due  

Total

Past Due Loans

  

Total  

Current Loans

  

Total

Loans

   Nonaccrual Loans 
   (In thousands) 
March 31, 2024                            
Commercial real estate  $522   $3   $799   $1,324   $1,082,586   $1,083,910   $1,035 
Residential real estate:                                   
Residential one-to-four family   1,547    514    800    2,861    612,416    615,277    4,492 
Home equity   347    —    101    448    111,040    111,488    101 
Total:   1,894    514    901    3,309    723,456    726,765    4,593 
Commercial and industrial   60    —    9    69    207,238    207,307    201 
Consumer   7    —    7    14    4,984    4,998    8 
Total loans  $2,483   $517   $1,716   $4,716   $2,018,264   $2,022,980   $5,837 

 

   30 – 59 Days Past Due   60 – 89 Days Past Due   90 Days or More Past Due  

Total

Past Due Loans

  

Total  

Current Loans

  

Total

Loans

   Nonaccrual Loans 
   (In thousands) 
December 31, 2023                            
Commercial real estate  $272   $647   $403   $1,322   $1,078,429   $1,079,751   $1,347 
Residential real estate:                                   
Residential one-to-four family   2,354    934    881    4,169    608,146    612,315    4,739 
Home equity   263    112    102    477    109,362    109,839    109 
Total:   2,617    1,046    983    4,646    717,508    722,154    4,848 
Commercial and industrial   20    —    8    28    217,419    217,447    218 
Consumer   3    —    —    3    5,469    5,472    8 
Total loans  $2,912   $1,693   $1,394   $5,999   $2,018,825   $2,024,824   $6,421 

 

At March 31, 2024, total past due loans totaled $4.7 million, or 0.23% of total loans, and at December 31, 2023, total past due loans totaled $6.0 million, or 0.30% of total loans.

 

Nonaccrual Loans.

 

Accrual of interest on loans is generally discontinued when contractual payment of principal or interest becomes past due 90 days or, if in management’s judgment, reasonable doubt exists as to the full timely collection of interest. Exceptions may be made if the loan has matured and is in the process of renewal or is well-secured and in the process of collection. When a loan is placed on nonaccrual status, interest accruals cease and uncollected accrued interest is reversed and charged against current interest income. Interest payments on nonaccrual loans are generally applied to principal. If collection of the principal is reasonably assured, interest payments are recognized as income on the cash basis. Loans are generally returned to accrual status when principal and interest payments are current, full collectability of principal and interest is reasonably assured and a consistent record of at least six consecutive months of performance has been achieved.

 

The following table presents information regarding nonaccrual loans as of the dates indicated:

 

                 
   As of March 31, 2024   For the Three Months Ended March 31, 2024 
   Nonaccrual Loans with Allowance for Credit Loss   Nonaccrual Loans Without Allowance for Credit Loss   Total Nonaccrual Loans   Accrued Interest Receivable Reversed from Income 
   (In thousands) 
                 
Commercial real estate  $—   $1,035   $1,035   $24 
Residential real estate:                    
Residential   —    4,492    4,492    55 
Home equity   —    101    101    3 
Commercial and industrial   —    201    201    39 
Consumer   8    —    8    — 
Total loans  $8   $5,829   $5,837   $121 

 

                 
   As of December 31, 2023   For the Three Months Ended March 31, 2023 
   Nonaccrual Loans with Allowance for Credit Loss   Nonaccrual Loans Without Allowance for Credit Loss   Total Nonaccrual Loans   Accrued Interest Receivable Reversed from Income 
   (In thousands) 
                 
Commercial real estate  $—   $1,347   $1,347   $23 
Residential real estate:                    
Residential   —    4,739    4,739    45 
Home equity   —    109    109    3 
Commercial and industrial   —    218    218    58 
Consumer   —    8    8    — 
Total loans  $—   $6,421   $6,421   $129 

 

At March 31, 2024 and December 31, 2023, nonaccrual loans totaled $5.8 million, or 0.29% of total loans, and $6.4 million, or 0.32%, of total loans, respectively. The Company did not recognize any interest income on nonaccrual loans for the three months ended March 31, 2024 and 2023. At March 31, 2024 and December 31, 2023, there were no commitments to lend additional funds to any borrower on nonaccrual status. At March 31, 2024 and December 31, 2023, there were no loans 90 or more days past due and still accruing interest.

 

Individually Evaluated Collateral Dependent Loans.

 

Loans that do not share similar risk characteristics with loans that are pooled into portfolio segments are individually evaluated. A loan is considered collateral dependent when, based on current information and events, the borrower is experiencing financial difficulty and repayment, both principal and interest, is expected to be provided substantially through the operation or sale of the collateral. Loans that are rated Substandard, have a loan-to-value above 85% or have demonstrated a specific weakness (e.g. slow payment history, industry weakness, or other clear credit deterioration) may be considered for individual evaluation if they are determined not to share similar risk characteristics within the segment. Individually evaluated assets will be measured primarily using the collateral dependent financial asset practical expedient, although the discounted cash flow method may be used when management deems it more appropriate or collateral values cannot be supported. For individually evaluated assets, an ACL is determined separately for each financial asset. At March 31, 2024, the Company had $822,000 in individually evaluated commercial loans, collateralized by business assets, and $14.8 million in individually evaluated real estate loans, collateralized by real estate property.

 

The following table summarizes the Company’s individually evaluated collateral dependent loans by class as of the dates indicated:

 

   As of March 31, 2024 
   Recorded Investment   Related Allowance 
   (In thousands) 
With no related allowance recorded:          
Commercial real estate  $10,063   $— 
Residential real estate:          
Residential one-to-four family   4,665    — 
Home equity   101    — 
Commercial and industrial   305    — 
Consumer   —    — 
Loans with no related allowance recorded  $15,134   $— 
           
With an allowance recorded:          
Commercial real estate  $—   $— 
Residential real estate:          
Residential one-to-four family   —    — 
Home equity   —    — 
Commercial and industrial   517    179 
Consumer   —    — 
Loans with an allowance recorded  $517   $179 
Total individually evaluated loans  $15,651   $179 

 

   As of December 31, 2023 
   Recorded Investment   Related Allowance 
   (In thousands) 
With no related allowance recorded:          
Commercial real estate  $10,648   $— 
Residential real estate:          
Residential one-to-four family   5,163    — 
Home equity   109    — 
Commercial and industrial   13,273    — 
Consumer   8    — 
Loans with no related allowance recorded  $29,201   $— 
           
With an allowance recorded:          
Commercial real estate  $—   $— 
Residential real estate:          
Residential one-to-four family   —    — 
Home equity   —    — 
Commercial and industrial   517    179 
Consumer   —    — 
Loans with an allowance recorded  $517   $179 
Total individually evaluated loans  $29,718   $179 

 

Modified Loans.

 

Loans are designated as modified when, as part of an agreement to modify the original contractual terms of the loan as a result of financial difficulties of the borrower, the Company grants the borrower a concession on the terms that would not otherwise be considered. Typically, such concessions may consist of a reduction in interest rate to a below market rate, taking into account the credit quality of the note, extension of additional credit based on receipt of adequate collateral, or a deferment or reduction of payments (principal or interest) which materially alters the Company’s position or significantly extends the note’s maturity date, such that the present value of cash flows to be received is materially less than those contractually established at the loan’s origination.

 

There were no loan modifications during the three months ended March 31, 2024 and for the year ended December 31, 2023. During the three months ended March 31, 2024 and 2023, no modified loans defaulted (defined as 30 days or more past due) within 12 months of restructuring. There were no charge-offs on modified loans during the three months ended March 31, 2024 or 2023.

 

Credit Quality Information.

 

The Company utilizes an eight-grade internal loan rating system for commercial real estate and commercial and industrial loans. The Company’s internal credit risk grades are based on the definitions currently utilized by the banking regulatory agencies. The grades assigned and definitions are as follows, and loans graded excellent, above average, good (risk ratings 1-4) are treated as “pass” for grading purposes. All loans risk rated Special Mention (5), Substandard (6), Doubtful (7) and Loss (8) are listed on the Company’s criticized report and are reviewed not less than on a quarterly basis to assess the level of risk and to ensure that appropriate actions are being taken to minimize potential loss exposure. In addition, the Company closely monitors classified loans, defined as Substandard, Doubtful, and loss for signs of deterioration to mitigate the growth in nonaccrual loans, including performing additional due diligence, updating valuations and requiring additional financial reporting from the borrower. Loans identified as containing a loss are partially charged-off or fully charged-off. Performing residential real estate, home equity and consumer loans are grouped with “Pass” rated loans. Nonperforming residential real estate, home equity and consumer loans are risk rated as “Substandard” and individually evaluated.

 

Loans rated 1 – 4: Loans rated 1-4 represent groups of loans that are not subject to adverse criticism as defined in regulatory guidance. Loans in these groups exhibit characteristics that represent acceptable risk.

 

Loans rated 5: Loans rated 5 are considered “Special Mention” and may exhibit potential credit weaknesses or downward trends and are being monitored by management. Loans in this category are currently protected based on collateral and repayment capacity and do not constitute undesirable credit risk, but have potential weakness that may result in deterioration of the repayment process at some future date. This classification is used if a negative trend is evident in the obligor’s financial situation. Special Mention loans do not sufficiently expose the Company to warrant adverse classification.

 

Loans rated 6: Loans rated 6 are considered “Substandard.” A loan is classified as Substandard if the borrower exhibits a well-defined weakness and may be inadequately protected by the current net worth and cash flow capacity to pay the current debt.

 

Loans rated 7: Loans rated 7 are considered “Doubtful.” Loans classified as Doubtful have all the weaknesses inherent in those classified Substandard with the added characteristic that the weaknesses make collection or liquidation of the loan highly questionable and improbable. The possibility of some loss is extremely high, but because of specific pending factors that may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined.

 

Loans rated 8: Loans rated 8 are considered uncollectible. The loss classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off the asset because recovery and collection time may be affected in the future.

 

On an annual basis, or more often if needed, we formally review the ratings on all commercial real estate and commercial and industrial loans. In addition, management utilizes delinquency reports, the criticized loan report and other loan reports to monitor credit quality. In addition, at least on an annual basis, the Company contracts with an external loan review company to review the internal credit ratings assigned to loans in the commercial loan portfolio on a pre-determined schedule, based on the type, size, rating, and overall risk of the loan. During the course of its review, the third party examines a sample of loans, including new loans, existing relationships over certain dollar amounts and classified assets.

 

The following tables detail the amortized cost balances of the Company’s loan portfolio presented by risk rating and origination year as of the periods presented. In addition, payment activity has been included as an additional credit quality indicator:

 

                                     
   Term Loan Origination by Year   Revolving Loans     
   March 31, 2024   2023   2022   2021   2020   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
                                     
Commercial Real Estate:                                             
Pass (Rated 1- 4)  $8,558   $43,495   $187,387   $235,012   $111,791   $403,778   $77,388   $—   $1,067,409 
Special Mention (Rated 5)   —    —    —    —    174    3,684    693    —    4,551 
Substandard (Rated 6)   —    —    —    —    8,492    3,458    —    —    11,950 
Total commercial real estate loans  $8,558   $43,495   $187,387   $235,012   $120,457   $410,920   $78,081   $—   $1,083,910 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $8,558   $43,495   $187,387   $235,012   $120,457   $409,885   $78,081   $—   $1,082,875 
Nonperforming   —    —    —    —    —    1,035    —    —    1,035 
                                              
Residential One-to-Four Family:                                             
Pass  $11,361   $57,844   $91,010   $93,134   $123,881   $224,744   $7,904   $—   $609,878 
Substandard   —    —    446    484    872    3,597    —    —    5,399 
Total residential one-to-four family  $11,361   $57,844   $91,456   $93,618   $124,753   $228,341   $7,904   $—   $615,277 
                                              
 Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $11,361   $57,844   $91,010   $93,134   $123,881   $225,651   $7,904   $—   $610,785 
Nonperforming   —    —    446    484    872    2,690    —    —    4,492 
                                              
Home Equity:                                             
Pass  $2,599   $10,003   $10,462   $6,680   $6,849   $11,976   $60,612   $2,206   $111,387 
Substandard   —    —    —    —    —    —    90    11    101 
Total home equity loans  $2,599   $10,003   $10,462   $6,680   $6,849   $11,976   $60,702   $2,217   $111,488 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $7   $—   $—   $7 
                                              
Payment Performance:                                             
Performing  $2,599   $10,003   $10,462   $6,680   $6,849   $11,976   $60,612   $2,206   $111,387 
Nonperforming   —    —    —    —    —    —    90    11    101 

 

   Term Loans Originated by Year   Revolving Loans     
   March 31, 2024   2023   2022   2021   2020   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
Commercial and Industrial:                                             
Pass (Rated 1- 4)  $6,463   $23,412   $34,411   $30,525   $17,998   $25,793   $53,851   $68   $192,521 
Special Mention (Rated 5)   —    6,200    95    35    —    2,052    2,266    —    10,648 
Substandard (Rated 6)   —    —    —    —    527    74    3,537    —    4,138 
Total commercial and industrial loans  $6,463   $29,612   $34,506   $30,560   $18,525   $27,919   $59,654   $68   $207,307 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $1   $1 
                                              
Payment Performance:                                             
Performing  $6,463   $29,612   $34,506   $30,560   $18,525   $27,913   $59,459   $68   $207,106 
Nonperforming   —    —    —    —    —    6    195    —    201 
                                              
Consumer:                                             
Pass  $299   $1,895   $1,205   $449   $163   $210   $770   $—   $4,991 
Substandard   —    —    —    —    —    7    —    —    7 
Total consumer loans  $299   $1,895   $1,205   $449   $163   $217   $770   $—   $4,998 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $59   $59 
                                              
Payment Performance:                                             
Performing  $299   $1,895   $1,205   $449   $163   $210   $769   $—   $4,990 
Nonperforming   —    —    —    —    —    7    1    —    8 

 

                                     
   Term Loan Origination by Year   Revolving Loans     
   2023   2022   2021   2020   2019   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
                                     
Commercial Real Estate:                                             
Pass (Rated 1- 4)  $42,764   $175,829   $228,739   $113,631   $91,353   $320,806   $81,483   $9,289   $1,063,894 
Special Mention (Rated 5)   —    —    —    180    915    3,237    164    —    4,496 
Substandard (Rated 6)   —    —    —    8,013    —    3,348    —    —    11,361 
Total commercial real estate loans  $42,764   $175,829   $228,739   $121,824   $92,268   $327,391   $81,647   $9,289   $1,079,751 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $764   $—   $—   $764 
                                              
Payment Performance:                                             
Performing  $42,764   $175,829   $228,739   $121,824   $92,268   $326,044   $81,647   $9,289   $1,078,404 
Nonperforming   —    —    —    —    —    1,347    —    —    1,347 
                                              
Residential One-to-Four Family:                                             
Pass  $59,257   $88,213   $94,290   $125,917   $54,263   $174,688   $10,401   $—   $607,029 
Substandard   —    447    495    445    —    3,899    —    —    5,286 
Total residential one-to-four family  $59,257   $88,660   $94,785   $126,362   $54,263   $178,587   $10,401   $—   $612,315 
                                              
 Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $59,257   $88,213   $94,290   $125,540   $54,263   $175,612   $10,401   $—   $607,576 
Nonperforming   —    447    495    822    —    2,975    —    —    4,739 
                                              
Home Equity:                                             
Pass  $9,937   $10,885   $6,861   $7,108   $5,234   $7,261   $60,115   $2,329   $109,730 
Substandard   —    —    —    —    —    7    90    12    109 
Total home equity loans  $9,937   $10,885   $6,861   $7,108   $5,234   $7,268   $60,205   $2,341   $109,839 
                                              
 Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $9,937   $10,885   $6,861   $7,108   $5,234   $7,261   $60,115   $2,329   $109,730 
Nonperforming   —    —    —    —    —    7    90    12    109 

 

   Term Loans Originated by Year   Revolving Loans     
   2023   2022   2021   2020   2019   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
Commercial and Industrial:                                             
Pass (Rated 1- 4)  $31,108   $35,705   $26,553   $19,780   $19,765   $8,825   $57,393   $69   $199,198 
Special Mention (Rated 5)   —    101    —    —    8    498    707    —    1,314 
Substandard (Rated 6)   —    —    1,408    8,156    —    85    7,286    —    16,935 
Total commercial and industrial loans  $31,108   $35,806   $27,961   $27,936   $19,773   $9,408   $65,386   $69   $217,447 
                                              
Current period gross charge-offs  $—   $147   $—   $—   $—   $221   $—   $1,193   $1,561 
                                              
Payment Performance:                                             
Performing  $31,108   $35,806   $27,961   $27,936   $19,773   $9,401   $65,175   $69   $217,229 
Nonperforming   —    —    —    —    —    7    211    —    218 
                                              
Consumer:                                             
Pass  $2,168   $1,381   $524   $241   $68   $270   $812   $—   $5,464 
Substandard   —    —    —    —    —    8    —    —    8 
Total consumer loans  $2,168   $1,381   $524   $241   $68   $278   $812   $—   $5,472 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $3   $182   $185 
                                              
Payment Performance:                                             
Performing  $2,168   $1,381   $524   $241   $68   $271   $811   $—   $5,464 
Nonperforming   —    —    —    —    —    7    1    —    8 
XML 27 R16.htm IDEA: XBRL DOCUMENT v3.24.1.u1
GOODWILL AND OTHER INTANGIBLES
 3 Months Ended
Mar. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]  
GOODWILL AND OTHER INTANGIBLES

6. GOODWILL AND OTHER INTANGIBLES

 

Goodwill

 

Goodwill is measured as the excess of the cost of a business combination over the sum of the amounts assigned to identifiable intangible assets acquired less liabilities assumed. Goodwill is not amortized but rather assessed for impairment annually or more frequently if circumstances warrant. Management has the option of first assessing qualitative factors, such as events and circumstances, to determine whether it is more likely than not, meaning a likelihood of more than 50%, the value of a reporting unit is less than its carrying amount. If, after considering all relevant events and circumstances, management determines it is not more likely than not the fair value of a reporting unit is less than its carrying amount, then performing an impairment test is unnecessary. At March 31, 2024 and December 31, 2023, the Company’s goodwill was related to the acquisition of Chicopee Savings Bank in October 2016. For the three months ended March 31, 2024, management determined that it was not more likely than not the fair value of the reporting unit was less than its carrying amount. If management had determined otherwise, a fair value analysis would have been completed to determine the impairment and necessary write-down of goodwill. For the year ended December 31, 2023, the carrying value of the Company’s equity exceeded its market capitalization for a period in 2023 due to events affecting the banking industry, specifically three large bank failures and the continued impact of higher interest rates, resulting in declines in bank stock prices. Therefore, the Company completed a fair value analysis to assess potential impairment and any necessary write-down of the carrying value of goodwill. Management used valuation multiples from recent comparable whole bank merger and acquisition transactions to determine the estimated fair value of the Company. Based on the results of this analysis, management determined that the fair value of the Company exceeded the carrying value of the reporting unit, and as a result, goodwill was not impaired at December 31, 2023.

 

Core Deposit Intangibles

 

In connection with the acquisition of Chicopee, the Bank recorded a core deposit intangible of $4.5 million, which is amortized over twelve years using the straight-line method. Amortization expense was $94,000 for the three months ended March 31, 2024 and 2023. At March 31, 2024, future amortization of the core deposit intangible totaled $375,000 for each of the next four years and $219,000 thereafter.
XML 28 R17.htm IDEA: XBRL DOCUMENT v3.24.1.u1
SHARE-BASED COMPENSATION
 3 Months Ended
Mar. 31, 2024
Share-Based Payment Arrangement [Abstract]  
SHARE-BASED COMPENSATION

7. SHARE-BASED COMPENSATION

 

Restricted Stock Awards.

 

In May 2021, the Company’s shareholders approved the 2021 Omnibus Incentive Plan, a stock-based compensation plan (the “2021 Omnibus Plan”). Under the 2021 Omnibus Plan, up to 700,000 shares of the Company’s common stock were reserved for grants of stock awards, including stock options and restricted stock, which may be granted to any officer, key employee or non-employee director of the Company. Any shares that are not issued because vesting requirements are not met will be available for future issuance under the 2021 Omnibus Plan.

 

On an annual basis, the Compensation Committee (the “Committee”) approves long-term incentive awards out of the 2021 Omnibus Plan, whereby shares will be granted to eligible participants of the Company that are nominated by the Chief Executive Officer and approved by the Committee, with vesting over a three-year term for employees and a one-year term for directors. Annual employee grants provide for a periodic award that is both performance and time-based and is designed to recognize the executive’s responsibilities, reward performance and leadership and as a retention tool. The objective of the award is to align compensation for the named executive officers and directors over a multi-year period directly with the interests of our shareholders by motivating and rewarding creation and preservation of long-term financial strength, shareholder value and relative shareholder return.

 

In May 2021, 122,362 shares were granted under the 2021 Long-Term Incentive Plan (the “2021 Incentive Plan”). Of the 122,362 shares, 61,181 shares were time-based, vesting ratably over a three-year period. The remaining 61,181 shares granted are performance-based and are subject to the achievement of the 2021 Incentive Plan performance metrics, with 50% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2021 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and maximum absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.

The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows:

 

                      
    Return on Equity Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
December 31, 2021   5.63%   6.25%   7.50%
December 31, 2022   5.85%   6.50%   7.80%
December 31, 2023   6.08%   6.75%   8.10%

 

                      
    

Earnings Per Share Metrics

 
Performance Period Ending   Threshold    Target    Stretch 
                
Three-year Cumulative Diluted Earnings Per Share  $1.58   $1.97   $2.36 
                

 

As of December 31, 2023, the three-year performance period for the 2021 Long-Tern Incentive Plan (the “2021 LTI Plan”) ended. The 2021 LTI Plan included a “catch-up” provision allowing unearned performance-based shares from the 2021 and 2022 performance periods to be earned at the end of the three-year period based on the final year performance. Of the 50,205 performance-based shares granted in 2021 based on achieving target, 69,376 performance-based shares were eligible for vesting during the first quarter of 2024 based on achieving stretch.

 

In March 2022, 137,151 shares were granted under the 2022 Long-Term Incentive Plan (the “2022 Incentive Plan”). Of the 137,151 shares, 77,463 shares were time-based, with 17,775 vesting in one year and 59,688 vesting ratably over a three-year period. The remaining 59,688 shares granted are performance-based and are subject to the achievement of the 2022 Incentive Plan performance metrics, with 50% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2022 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and maximum absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.

 

The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows:

 

                      
    Return on Equity Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
December 31, 2022   7.79%   8.20%   8.61%
December 31, 2023   7.93%   8.35%   8.77%
December 31, 2024   8.03%   8.45%   8.87%

 

                      
    Earnings Per Share Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
Three-year Cumulatzive Diluted Earnings Per Share  $2.35   $2.61   $2.85 

 

In March 2023, 139,196 shares were granted under the 2023 Long-Term Incentive Plan (the “2023 Incentive Plan”). Of the 139,196 shares, 78,697 shares were time-based, with 18,198 vesting in one year and 60,499 vesting ratably over a three-year period. The remaining 60,499 shares granted are performance-based and are subject to the achievement of the 2023 Incentive Plan performance metrics, with 50% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2023 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and maximum absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.

 

The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows:

 

                      
    Return on Equity Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
December 31, 2023   8.00%   8.45%   8.85%
December 31, 2024   8.75%   9.25%   9.75%
December 31, 2025   9.00%   9.50%   10.00%

 

                      
    Earnings Per Share Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
Three-year Cumulative Diluted Earnings Per Share  $2.39   $2.65   $2.89 

 

In March 2024, 167,878 shares were granted under the 2024 Long-Term Incentive Plan (the “2024 Incentive Plan”). Of the 167,878 shares, 94,667 shares were time-based, with 21,456 vesting in one year and 73,211 vesting ratably over a three-year period. The remaining 73,211 shares granted are performance-based and are subject to the achievement of the 2024 Incentive Plan performance metrics, with 50% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2024 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and stretch absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.

 

The threshold, target and stretch metrics under the 2024 Incentive Plan are as follows:

 

                      
    Return on Equity Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
December 31, 2024   5.05%   5.61%   6.17%
December 31, 2025   6.18%   6.86%   7.55%
December 31, 2026   7.30%   8.11%   8.92%

 

                      
    

Earnings Per Share Metrics

 
Performance Period Ending   Threshold    Target    Stretch 
                
Three-year Cumulative Diluted Earnings Per Share  $2.25   $2.50   $2.75 

 

At March 31, 2024, there were 121,203 remaining shares available to grant under the 2021 Plan.

A summary of the status of restricted stock awards at March 31, 2024 and 2023 is presented below:

 

    Shares  

Weighted Average

Grant Date Fair Value 

($)

 
Balance at December 31, 2023    220,635    9.29 
 Shares granted    187,049    8.38 
 Shares vested    (69,376)   8.34 
Balance at March 31, 2024    338,308    8.98 

 

    Shares  

Weighted Average

Grant Date Fair Value

($)

 
Balance at December 31, 2022    206,092    8.85 
Shares granted    158,957    9.79 
Shares vested    (59,270)   9.11 
Balance at March 31, 2023    305,779    9.29 

 

We recorded total expense for restricted stock awards of $505,000 and $529,000 for the three months ended March 31, 2024 and 2023, respectively.

 
XML 29 R18.htm IDEA: XBRL DOCUMENT v3.24.1.u1
SHORT-TERM BORROWINGS AND LONG-TERM DEBT
 3 Months Ended
Mar. 31, 2024
Debt Disclosure [Abstract]  
SHORT-TERM BORROWINGS AND LONG-TERM DEBT

8. SHORT-TERM BORROWINGS AND LONG-TERM DEBT

 

We utilize short-term borrowings and long-term debt as additional sources of funds to finance our lending and investing activities and to provide liquidity for daily operations. Total borrowing capacity includes borrowing arrangements at the FHLB, the Federal Reserve Bank (“FRB”), and borrowing arrangements with correspondent banks.

 

Short-term borrowings can consist of FHLB advances with an original maturity of less than one year, overnight Ideal Way line of credit advances and other borrowings held as collateral for customer swap arrangements. Other borrowings totaled $6.7 million with a weighted average rate of 5.33% at March 31, 2024, compared to $6.1 million with a weighted average rate of 5.33% at December 31, 2023. Short-term borrowings issued by the FHLB were $4.8 million with a weighted average rate of 5.54% at March 31, 2024 and $10.0 million with a weighted average rate of 5.56% at December 31, 2023.

 

FHLB advances provide more pricing and option alternatives for particular asset/liability needs. The FHLB provides a central credit facility primarily for member institutions. As an FHLB member, the Company is required to own capital stock of the FHLB, calculated periodically based primarily on its level of borrowings from the FHLB. FHLB borrowings are secured by certain securities from the Company’s investment portfolio not otherwise pledged as well as certain residential real estate and commercial real estate loans. Advances are made under several different credit programs with different lending standards, interest rates and range of maturities. This relationship is an integral component of the Company’s asset-liability management program. At March 31, 2024, the Bank had $508.1 million in additional borrowing capacity from the FHLB.

 

The Company also has a standing available overnight Ideal Way line of credit with the FHLB of $9.5 million. Interest on this line of credit is payable at a rate determined and reset by the FHLB on a daily basis. The outstanding principal is due daily but the portion not repaid will be automatically renewed. The Company has an available line of credit of $72.2 million with the FRB Discount Window at an interest rate determined and reset on a daily basis. Borrowings from the FRB Discount Window are secured by certain securities from the Company’s investment portfolio not otherwise pledged. As of March 31, 2024 and December 31, 2023, there were no advances outstanding under either of these lines.

 

The Company also has pre-established, non-collateralized overnight borrowing arrangements with large national and regional correspondent banks to provide additional overnight and short-term borrowing capacity for the Company. The Company has a $15.0 million line of credit with a correspondent bank and a $10.0 million line of credit with another correspondent bank, both at an interest rate determined and reset on a daily basis. As of March 31, 2024 and December 31, 2023, there were no advances outstanding under these lines.

 

Long-term debt consists of FHLB and FRB advances with an original maturity of one year or more. On March 12, 2023, the FRB made available the BTFP, which enhances the ability of banks to borrow greater amounts against certain high-quality, unencumbered investments at par value. During 2023, the Company participated in the BTFP, which enabled the Company to pay off higher rate FHLB advances. With the BTFP, the Company has the ability to pay off the BTFP advance prior to maturity without incurring a penalty or termination fee. Interest expense on BTFP advances is payable at maturity.

 

At March 31, 2024 and December 31, 2023, long-term debt consisted of $30.6 million in outstanding advances with the FHLB with a weighted average fixed rate of 4.81% and $90.0 million in outstanding advances under the BTFP with a weighted average fixed rate of 4.71%. At March 31, 2024, the Company had no remaining borrowing capacity under the BTFP.
XML 30 R19.htm IDEA: XBRL DOCUMENT v3.24.1.u1
SUBORDINATED DEBT
 3 Months Ended
Mar. 31, 2024
Debt Disclosure [Abstract]  
SUBORDINATED DEBT

9. SUBORDINATED DEBT

 

On April 20, 2021, the Company completed an offering of $20 million in aggregate principal amount of its 4.875% fixed-to-floating rate subordinated notes (the “Notes”) to certain qualified institutional buyers in a private placement transaction. At March 31, 2023, $19.7 million aggregate principle amount of the Notes was outstanding.

 

Unless earlier redeemed, the Notes mature on May 1, 2031. The Notes will bear interest from the initial issue date to, but excluding, May 1, 2026, or the earlier redemption date, at a fixed rate of 4.875% per annum, payable quarterly in arrears on May 1, August 1, November 1 and February 1 of each year, beginning August 1, 2021, and from and including May 1, 2026, but excluding the maturity date or earlier redemption date, equal to the benchmark rate, which is the 90-day average secured overnight financing rate, plus 412 basis points, determined on the determination date of the applicable interest period, payable quarterly in arrears on May 1, August 1, November 1 and February 1 of each year. The Company may also redeem the Notes, in whole or in part, on or after May 1, 2026, and at any time upon the occurrence of certain events, subject in each case to the approval of the Board of Governors of the Federal Reserve System (the “Federal Reserve”). The Notes were designed to qualify as Tier 2 capital under the Federal Reserve’s capital adequacy regulations.

 

The Notes are presented net of issuance costs of $278,000 as of March 31, 2024, which are being amortized into interest expense over the life of the Notes. Amortization of issuance costs into interest expense was $10,000 and $9,000 for the three months ended March 31, 2024 and 2023, respectively.
XML 31 R20.htm IDEA: XBRL DOCUMENT v3.24.1.u1
DERIVATIVES AND HEDGING ACTIVITIES
 3 Months Ended
Mar. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
DERIVATIVES AND HEDGING ACTIVITIES

10. DERIVATIVES AND HEDGING ACTIVITIES

 

Risk Management Objective of Using Derivatives.

 

The Company is exposed to certain risks arising from both our business operations and economic conditions. We principally manage our exposures to a wide variety of business and operational risks through management of our core business activities. We manage economic risks, including interest rate, liquidity, and credit risk, primarily by managing the amount, sources, and duration of our assets and liabilities and the use of derivative financial instruments. Specifically, we entered into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. Our derivative financial instruments are used to manage differences in the amount, timing, and duration of our known or expected cash receipts and our known or expected cash payments principally related to certain variable rate loan assets and variable rate borrowings.

 

Fair Value Hedges of Interest Rate Risk.

 

The Company is exposed to changes in the fair value of certain pools of fixed-rate assets due to changes in benchmark interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value on these instruments attributable to changes in the designated benchmark interest rate. The Company's interest rate swaps designated as fair value hedges involve the payment of fixed-rate amounts to a counterparty in exchange for the Company receiving variable-rate payments over the life of the agreements without the exchange of the underlying notional amount. For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in interest income.

As of March 31, 2024 and December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges:

 

 

 

Carrying Amount of Hedged

Assets/(Liabilities)

   Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities) 
Item in the Balance Sheet in which the Hedged Item is Included 

At

March 31, 2024

  

At

December 31, 2023

  

At

March 31, 2024

  

At

December 31, 2023

 
   (In thousands) 
     
    Loans  $199,192   $199,393   $(808)  $(607)
Total  $199,192   $199,393   $(808)  $(607)

 

These amounts include the amortized cost basis of closed portfolios of fixed rate residential loans used to designate hedging relationships in which the hedged item is the stated amount of assets in the closed portfolio anticipated to be outstanding for the designated hedged period. At March 31, 2024, the amortized cost basis of the closed portfolios used in these hedging relationships was $454.1 million; the cumulative basis adjustments associated with these hedging relationships was approximately $808,000; and the notional amount of the designated hedged items were $200 million. At December 31, 2023, the amortized cost basis of the closed portfolios used in these hedging relationships was $461.2 million; the cumulative basis adjustments associated with these hedging relationships was approximately $607,000; and the notional amount of the designated hedged items were $200 million. The notional amounts of these agreements do not represent amounts exchanged by the parties and, thus, are not a measure of the potential loss exposure. At March 31, 2024, the Company’s fair value hedges had a remaining maturity of 0.6 years, and an average fixed rate of 4.43%.

 

Non-hedging Derivatives.

 

Derivatives not designated as hedges are not speculative, but rather result from a service the Company provides to certain customers. The Company executes loan-level derivative products such as interest-rate swap agreements with commercial banking customers to aid them in managing their interest-rate risk by converting floating-rate loan payments to fixed-rate loan payments. The Company concurrently enters into offsetting swaps with a third-party financial institution, effectively minimizing the Company’s net risk exposure resulting from such transactions. The third-party financial institution exchanges the customer's fixed-rate loan payments for floating-rate loan payments. As the interest-rate swap agreements associated with this program do not meet hedge accounting requirements, changes in the fair value are recognized directly in earnings.

Fair Values of Derivative Instruments on the Balance Sheet.

 

The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of March 31, 2024 and December 31, 2023.

 

   Asset Derivatives  Liability Derivatives
March 31, 2024 

Balance Sheet

Location

  Fair Value  

Balance Sheet

Location

  Fair Value 
   (In thousands)
Hedging Derivatives                
Interest rate swaps - fair value hedges     $845      $—  
Derivatives not designated as hedging instruments:                
Interest rate swap – with customer counterparties      —        5,875 
Interest rate swap – with dealer counterparties      5,875       —  
Total derivatives  Other Assets  $6,720   Other Liabilities  $5,875 

 

 

  Asset Derivatives  Liability Derivatives
December 31, 2023 

Balance Sheet

Location

  Fair Value  

Balance Sheet

Location

  Fair Value 
   (In thousands)
Hedging Derivatives                
Interest rate swaps - fair value hedges     $651      $—  
Derivatives not designated as hedging instruments:                
Interest rate swap – with customer counterparties      —        5,239 
Interest rate swap – with dealer counterparties      5,239       —  
Total derivatives  Other Assets  $5,890   Other Liabilities  $5,239 

 

Effect of Derivative Instruments in the Consolidated Statements of Net Income.

 

The table below presents the effect of the Company’s fair value hedge derivative on the statements of net income as of March 31, 2024. There were no fair value hedge derivatives at March 31, 2023.

 

             
   Location and Amount of Gain (Loss) Recognized in Income on  Fair Value Hedging Relationships 
  

Three Months Ended

March 31, 2024

  

Three Months Ended

March 31, 2023

 
   (In thousands) 
     
    Interest Income    Interest Income 
Total amounts of income line items presented in the statements of net income in which the effects of fair value hedges are recorded  $443   $— 
           
Gain (loss) on fair value hedging relationships          
Interest rate contracts:          
Hedged items  $(6)   — 
Derivatives designated as hedging instruments   449    — 

 

There were no gains or losses recognized in accumulated other comprehensive income during the three months ended March 31, 2024.

Credit-risk-related Contingent Features

 

By using derivative financial instruments, we expose ourselves to credit risk. Credit risk is the risk of failure by the counterparty to perform under the terms of the derivative contract. When the fair value of a derivative contract is positive, the counterparty owes us, which creates credit risk for us. When the fair value of a derivative is negative, we owe the counterparty and, therefore, it does not possess credit risk. The credit risk in derivative instruments is mitigated by entering into transactions with highly-rated counterparties that we believe to be creditworthy and by limiting the amount of exposure to each counterparty.

 

We have agreements with our derivative counterparties that contain a provision where if we default on any of our indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then we could also be declared in default on our derivative obligations. We also have agreements with certain of our derivative counterparties that contain a provision where if we fail to maintain our status as well capitalized, then the counterparty could terminate the derivative positions and we would be required to settle our obligations under the agreements. Certain of our agreements with our derivative counterparties contain provisions where if a formal administrative action by a federal or state regulatory agency occurs that materially changes our creditworthiness in an adverse manner, we may be required to fully collateralize our obligations under the derivative instrument.

 

At March 31, 2024, we had minimum collateral posting thresholds with certain of our derivative counterparties. As of March 31, 2024, we were not required to post collateral under these agreements because we did not have any derivatives in a liability position with those counterparties.
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FAIR VALUE OF ASSETS AND LIABILITIES
 3 Months Ended
Mar. 31, 2024
Fair Value Disclosures [Abstract]  
FAIR VALUE OF ASSETS AND LIABILITIES

11. FAIR VALUE OF ASSETS AND LIABILITIES

 

Determination of Fair Value.

 

We use fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for our various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument.

 

Methods and assumptions for valuing our financial instruments are set forth below. Estimated fair values are calculated based on the value without regard to any premium or discount that may result from concentrations of ownership of a financial instrument, possible tax ramifications or estimated transaction cost.

 

Securities. The securities measured at fair value in Level 1 are based on quoted market prices in an active exchange market. All other securities are measured at fair value in Level 2 and are based on pricing models that consider standard input factors such as observable market data, benchmark yields, interest rate volatilities, broker/dealer quotes, credit spreads and new issue data. These securities include government-sponsored enterprise obligations, state and municipal obligations, corporate bonds, residential mortgage-backed securities guaranteed and sponsored by the U.S. government or an agency thereof. Fair value measurements are obtained from a third-party pricing service and are not adjusted by management.

 

Interest rate swaps. The valuation of our interest rate swaps is obtained from a third-party pricing service and is determined using a discounted cash flow analysis on the expected cash flows of each derivative. The pricing analysis is based on observable inputs for the contractual terms of the derivatives, including the period to maturity and interest rate curves. We have determined that the majority of the inputs used to value our interest rate derivatives fall within Level 2 of the fair value hierarchy.

 

Assets and Liabilities Measured at Fair Value on a Recurring Basis.

 

Assets and liabilities measured at fair value on a recurring basis are summarized below:

 

                               
   March 31, 2024 
   Level 1   Level 2   Level 3   Total 
Assets:  (In thousands) 
Available-for-sale securities  $—   $138,362   $—   $138,362 
Marketable equity securities   222    —    —    222 
Interest rate swaps   —    6,720    —    6,720 
Total assets  $222   $145,082   $—   $145,304 
                     
Liabilities:                    
Interest rate swaps  $—   $5,875   $—   $5,875 

 

                               
   December 31, 2023 
   Level 1   Level 2   Level 3   Total 
Assets:  (In thousands) 
Available-for-sale securities  $—   $137,115   $—   $137,115 
Marketable equity securities   196    —    —    196 
Interest rate swaps   —    5,890    —    5,890 
Total assets  $196   $143,005   $—   $143,201 
                     
Liabilities:                    
Interest rate swaps  $—   $5,239   $—   $5,239 

 

There were no transfers to or from Level 1 and 2 for assets measured at fair value on a recurring basis at March 31, 2024 and December 31, 2023.

 

Assets Measured at Fair Value on a Non-recurring Basis.

 

We may also be required, from time to time, to measure certain other financial assets at fair value on a nonrecurring basis in accordance with generally accepted accounting principles. These adjustments to fair value usually result from application of lower-of-cost-or-market accounting or write-downs of individual assets. There were no collateral dependent loans measured at fair value on a nonrecurring basis as of March 31, 2024. The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2023:

 

   At December 31, 2023  

Three Months Ended

March 31, 2023

 
   Level 1   Level 2   Level 3  

Total

Losses

 
   (In thousands)   (In thousands) 
Collateral dependent loans  $—   $—   $1,100   $2,178 

 

The amount of impaired loans represents the carrying value, net of the related write-down or valuation allowance of collateral dependent loans for which adjustments are based on the estimated fair value of the underlying collateral.  The fair value of collateral dependent loans with specific allocations of the allowance for loan losses is generally based on real estate appraisals performed by independent licensed or certified appraisers.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available.  Management will discount appraisals as deemed necessary based on the date of the appraisal and new information deemed relevant to the valuation.  Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value.

 

 

Summary of Fair Values of Financial Instruments.

 

The estimated fair values of our financial instruments are as follows:

 

                                       
   March 31, 2024 
   Carrying Value   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (In thousands) 
Assets:                    
Cash and cash equivalents  $22,613   $22,613   $—   $—   $22,613 
Securities held-to-maturity   221,242    9,463    172,216    —    181,679 
Securities available-for-sale   138,362    —    138,362    —    138,362 
Marketable equity securities   222    222    —    —    222 
Federal Home Loan Bank of Boston and other restricted stock   3,105    —    —    3,105    3,105 
Loans - net   2,005,682    —    —    1,837,472    1,837,472 
Accrued interest receivable   8,622    —    —    8,622    8,622 
Mortgage servicing rights   400    —    707    —    707 
    Derivative asset   6,720    —    6,720    —    6,720 
                          
Liabilities:                         
Deposits   2,143,747    —    —    2,140,561    2,140,561 
Short-term borrowings   11,470    —    11,459    —    11,459 
Long-term debt   120,646    —    120,459    —    120,459 
Subordinated debt   19,722    —    17,281    —    17,281 
Accrued interest payable   4,414    —    —    4,414    4,414 
Derivative liabilities   5,875    —    5,875    —    5,875 

 

                                       
  

December 31, 2023 

 
   Carrying Value   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (In thousands) 
Assets:                    
Cash and cash equivalents  $28,840   $28,840   $—   $—   $28,840 
Securities held-to-maturity   223,370    9,450    178,242    —    187,692 
Securities available-for-sale   137,115    —    137,115    —    137,115 
Marketable equity securities   196    196    —    —    196 
Federal Home Loan Bank of Boston and other restricted stock   3,707    —    —    3,707    3,707 
Loans - net   2,007,050    —    —    1,841,913    1,841,913 
Accrued interest receivable   8,528    —    —    8,528    8,528 
Mortgage servicing rights   422    —    724    —    724 
    Derivative asset   5,890    —    5,890    —    5,890 
                          
Liabilities:                         
Deposits   2,143,744    —    —    2,140,930    2,140,930 
Short-term borrowings   16,100    —    16,100    —    16,100 
Long-term debt   120,646    —    120,460    —    120,460 
Subordinated debt   19,712    —    17,938    —    17,938 
Accrued interest payable   3,310    —    —    3,310    3,310 
Derivative liabilities   5,239    —    5,239    —    5,239 

 
XML 33 R22.htm IDEA: XBRL DOCUMENT v3.24.1.u1
RECENT ACCOUNTING PRONOUNCEMENTS
 3 Months Ended
Mar. 31, 2024
Accounting Changes and Error Corrections [Abstract]  
RECENT ACCOUNTING PRONOUNCEMENTS

12. RECENT ACCOUNTING PRONOUNCEMENTS

 

In December 2023, the Financial Accounting Standards Board issued ASU 2023-09, Income Taxes—Improvements to Income Tax Disclosures (Topic 740), which requires entities to disclose specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold. On an annual basis, entities must disclose: (1) the amount of income taxes paid, net of refunds, disaggregated by federal, state, and foreign; and (2) the amount of income taxes paid, net of refunds, disaggregated by individual jurisdictions in which income taxes paid, net of refunds received, for amounts equal to or greater than 5% of total income taxes paid. Further, the amendments also require entities to disclose: (1) income or loss from continued operations before income tax expense (or benefit) disaggregated between domestic and foreign sources; and (2) income or loss from continued operations disaggregated by federal, state, and foreign sources. This ASU, as amended, is effective for the Company in fiscal years beginning after December 15, 2024 and is not expected to have a material impact on the Company’s consolidated financial statements.
XML 34 R23.htm IDEA: XBRL DOCUMENT v3.24.1.u1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)
 3 Months Ended
Mar. 31, 2024
Accounting Policies [Abstract]  
Nature of Operations and Basis of Presentation

Nature of Operations and Basis of Presentation. Western New England Bancorp, Inc. (“WNEB,” “Company,” “we,” or “us”) is a Massachusetts-chartered stock holding company for Westfield Bank, a federally-chartered savings bank (“Bank”).

 

The Bank operates 25 banking offices in Hampden County and Hampshire County in western Massachusetts and Hartford County and Tolland County in northern Connecticut, and its primary sources of revenue are interest income from loans as well as interest income from investment securities. The West Hartford Financial Services Center serves as the Company’s Connecticut hub, housing Commercial Lending, Cash Management and a Mortgage Loan Officer. The Bank’s deposits are insured up to the maximum Federal Deposit Insurance Corporation (“FDIC”) coverage limits.
Wholly-owned Subsidiaries

Wholly-owned Subsidiaries. Elm Street Securities Corporation, WFD Securities, Inc. and CSB Colts, Inc., are Massachusetts-chartered securities corporations, formed for the primary purpose of holding qualified securities. WB Real Estate Holdings, LLC is a Massachusetts-chartered limited liability company that holds real property acquired as security for debts previously contracted by the Bank.
Principles of Consolidation

Principles of Consolidation. The consolidated financial statements include the accounts of Western New England Bancorp, Inc., the Bank, CSB Colts, Inc., Elm Street Securities Corporation, WB Real Estate Holdings, LLC and WFD Securities, Inc. All material intercompany balances and transactions have been eliminated in consolidation.
Estimates

Estimates. The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of income and expenses for each. Actual results could differ from those estimates. Estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for credit losses and goodwill impairment.
Basis of Presentation

Basis of Presentation. In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation of our financial condition as of March 31, 2024, and the results of operations, changes in shareholders’ equity and cash flows for the interim periods presented. The results of operations for the three months ended March 31, 2024 are not necessarily indicative of the results of operations for the year ending December 31, 2024. Certain information and disclosures normally included in financial statements prepared in accordance with U.S. GAAP have been omitted pursuant to the rules and regulations of the Securities and Exchange Commission.

 

On January 1, 2023, the Company adopted ASU 2016-13 Financial Instruments - Credit Losses (Topic326): Measurement of Credit Losses on Financial Instruments, which requires the recognition of the allowance for credit losses be estimated using the current expected credit loss (“CECL”) methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases.

 

These unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements as of and for the year ended December 31, 2023, included in our Annual Report on Form 10-K for the year ended December 31, 2023 (the “2023 Annual Report”).
Reclassifications

Reclassifications. Amounts in the prior period financial statements are reclassified when necessary to conform to the current year presentation.
XML 35 R24.htm IDEA: XBRL DOCUMENT v3.24.1.u1
EARNINGS PER SHARE (Tables)
 3 Months Ended
Mar. 31, 2024
Earnings per common share:  
Earnings per common share for the three months ended March 31, 2024 and 2023 have been computed based on the following:

Earnings per common share for the three months ended March 31, 2024 and 2023 have been computed based on the following:

 

             
   Three Months Ended 
   March 31, 
   2024   2023 
   (In thousands, except per share data) 
Net income applicable to common stock  $2,961   $5,304 
           
Average number of common shares issued   21,640    22,220 
Less: Average unallocated ESOP Shares   (291)   (367)
Less: Average unvested performance-based equity incentive plan shares   (168)   (154)
           
Average number of common shares outstanding used to calculate basic earnings per common share   21,181    21,699 
           
Effect of dilutive performance-based equity incentive plan shares   90    18 
           
Average number of common shares outstanding used to calculate diluted earnings per common share   21,271    21,717 
Basic earnings per share  $0.14   $0.24 
Diluted earnings per share  $0.14   $0.24 
XML 36 R25.htm IDEA: XBRL DOCUMENT v3.24.1.u1
COMPREHENSIVE INCOME (LOSS) (Tables)
 3 Months Ended
Mar. 31, 2024
Equity [Abstract]  
The components of accumulated other comprehensive loss included in shareholders’ equity are as follows:

The components of accumulated other comprehensive loss included in shareholders’ equity are as follows:

 

   March 31, 2024   December 31, 2023 
   (In thousands) 
Net unrealized losses on available-for-sale securities  $(31,702)  $(29,166)
Tax effect   8,065    7,422 
 Net-of-tax amount   (23,637)   (21,744)
           
Accumulated other comprehensive loss  $(23,637)  $(21,744)
XML 37 R26.htm IDEA: XBRL DOCUMENT v3.24.1.u1
INVESTMENT SECURITIES (Tables)
 3 Months Ended
Mar. 31, 2024
Investments, Debt and Equity Securities [Abstract]  
Available-for-sale and held-to-maturity investment securities at March 31, 2024 and December 31, 2023 are summarized as follows:

Available-for-sale and held-to-maturity investment securities at March 31, 2024 and December 31, 2023 are summarized as follows:

 

   March 31, 2024 
   Amortized
Cost		   Gross
Unrealized
Gains		   Gross
Unrealized
Losses		   Fair Value 
   (In thousands) 
Available-for-sale securities:                    
Debt securities:                    
Government-sponsored enterprise obligations  $14,927   $—   $(3,095)  $11,832 
State and municipal bonds   135    —    (1)   134 
Corporate bonds   5,000    —    (929)   4,071 
Total debt securities   20,062    —    (4,025)   16,037 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   143,410    —    (26,321)   117,089 
 U.S. government guaranteed mortgage-backed securities   6,592    —    (1,356)   5,236 
Total mortgage-backed securities   150,002    —    (27,677)   122,325 
                     
Total available-for-sale   170,064    —    (31,702)   138,362 
                     
Held-to-maturity securities:                    
Debt securities:                    
U.S. Treasury securities   9,997    —    (534)   9,463 
U.S. government guaranteed obligations   1,100    3    —    1,103 
Total debt securities   11,097    3    (534)   10,566 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   210,145    36    (39,068)   171,113 
Total mortgage-backed securities   210,145    36    (39,068)   171,113 
                     
 Total held-to-maturity   221,242    39    (39,602)   181,679 

Total

  $391,306   $39   $(71,304)  $320,041 

 

   December 31, 2023 
   Amortized Cost   Gross
Unrealized
Gains		   Gross
Unrealized
Losses		   Fair Value 
   (In thousands) 
Available-for-sale securities:                    
Debt securities:                    
Government-sponsored enterprise obligations  $14,924   $—   $(2,898)  $12,026 
State and municipal bonds   135    —    —    135 
Corporate bonds   8,000    —    (1,038)   6,962 
Total debt securities   23,059    —    (3,936)   19,123 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   136,533    —    (23,976)   112,557 
 U.S. government guaranteed mortgage-backed securities   6,689    —    (1,254)   5,435 
Total mortgage-backed securities   143,222    —    (25,230)   117,992 
                     
Total available-for-sale   166,281    —    (29,166)   137,115 
                     

Held-to-maturity securities:

                    
Debt securities:                    
U.S. Treasury securities   9,995    —    (545)   9,450 
Total debt securities   9,995    —    (545)   9,450 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   213,375    107    (35,240)   178,242 
Total mortgage-backed securities   213,375    107    (35,240)   178,242 
                     
 Total held-to-maturity   223,370    107    (35,785)   187,692 

Total

  $389,651   $107   $(64,951)  $324,807 
The following table presents the unrealized gains recognized on marketable equity securities for the periods indicated:

The following table presents the unrealized gains recognized on marketable equity securities for the periods indicated:

 

             
  

Three Months Ended

March 31

 
   2024   2023 
   (In thousands) 
Net gains recognized during the period on marketable equity securities  $8   $— 
Net losses recognized during the period on equity securities sold during the period   —    — 
Unrealized gains recognized during the period on marketable equity securities still held at end of period  $8   $— 

 
The amortized cost and fair value of available-for-sale and held-to-maturity securities at March 31, 2024, by final maturity, are shown below.

The amortized cost and fair value of available-for-sale and held-to-maturity securities at March 31, 2024, by final maturity, are shown below. Actual maturities may differ from contractual maturities because certain issuers have the right to call or prepay obligations.

 

   Available-for-Sale   Held-to-Maturity 
   Amortized Cost   Fair Value   Amortized Cost   Fair Value 
   (In thousands) 
Debt securities:                    
Due in one year or less  $135   $134   $4,994   $4,864 
Due after one year through five years   —    —    5,003    4,599 
Due after five years through ten years   19,927    15,903    —    — 
Due after ten years   —    —    1,100    1,103 
Total debt securities  $20,062   $16,037   $11,097   $10,566 

 

Mortgage-backed securities:                
Due after one year through five years  $962   $916   $—   $— 
Due after five years through ten years   844    767    —    — 
Due after ten years   148,196    120,642    210,145    171,113 
 Total mortgage-backed securities   150,002    122,325    210,145    171,113 
Total securities  $170,064   $138,362   $221,242   $181,679 
Information pertaining to investment securities with gross unrealized losses

Information pertaining to investment securities with gross unrealized losses as of March 31, 2024 and December 31, 2023 for which the Company did not recognize a provision for credit losses under CECL, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows:

 

   March 31, 2024 
   Less Than Twelve Months   Over Twelve Months 
   Number of Securities   Fair Value   Gross Unrealized Loss   Depreciation from Amortized Cost Basis (%)   Number of Securities   Fair Value   Gross Unrealized Loss   Depreciation from Amortized Cost Basis (%) 
   (Dollars in thousands) 
Available-for-sale:                                
Government-sponsored mortgage-backed securities   2   $9,295   $13    0.1%   70   $107,794   $26,308    19.6%
U.S. government guaranteed mortgage-backed securities   —    —    —    —    9    5,236    1,356    20.6 
Government-sponsored enterprise obligations   —    —    —    —    3    11,832    3,095    20.7 
Corporate bonds   —    —    —    —    2    4,071    929    18.6 
State and municipal bonds   1    134    1    0.7    —    —    —    — 
Total available-for-sale   3    9,429    14         84    128,933    31,688      
                                         
Held-to-maturity:                                        
U.S. Treasury securities   —    —    —    —%   2    9,463    534    5.3%
Government-sponsored mortgage-backed securities   3    5,711    80    1.4    37    159,059    38,988    19.7 
Total held-to-maturity   3    5,711    80         39    168,522    39,522      
                                         
Total   6   $15,140   $94         123   $297,455   $71,210      

 

   December 31, 2023 
   Less Than Twelve Months   Over Twelve Months 
   Number of Securities   Fair Value   Gross Unrealized Loss   Depreciation from Amortized Cost Basis (%)   Number of Securities   Fair Value   Gross Unrealized Loss   Depreciation from Amortized Cost Basis (%) 
   (Dollars in thousands) 
Available-for-sale:                                
Government-sponsored mortgage-backed securities   —   $—   $—    —%   70   $112,557   $23,976    17.6%
U.S. government guaranteed mortgage-backed securities   —    —    —    —    9    5,435    1,254    18.7 
Government-sponsored enterprise obligations   —    —    —    —    3    12,026    2,898    19.4 
Corporate bonds   —    —    —    —    3    6,962    1,038    13.0 
Total available-for-sale   —    —    —         85    136,980    29,166      
                                         
Held-to-maturity:                                        
U.S. Treasury securities   —    —    —    —%   2    9,450    545    5.5%
Government-sponsored mortgage-backed securities   4    7,097    56    0.8    36    164,395    35,184    17.6 
Total held-to-maturity   4    7,097    56         38    173,845    35,729      
                                         
Total   4   $7,097   $56         123   $310,825   $64,895      
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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)
 3 Months Ended
Mar. 31, 2024
Receivables [Abstract]  
Major classifications of loans at the periods indicated were as follows:

Major classifications of loans at the periods indicated were as follows:

 

   March 31,   December 31, 
   2024   2023 
   (In thousands) 
Commercial real estate  $1,083,910   $1,079,751 
Residential real estate:          
Residential one-to-four family   615,277    612,315 
Home equity   111,488    109,839 
 Total residential real estate   726,765    722,154 
           
Commercial and industrial   207,307    217,447 
           
Consumer   4,998    5,472 
 Total gross loans   2,022,980    2,024,824 
Unearned premiums and deferred loan fees and costs, net   2,586    2,493 
Total loans, net   2,025,566    2,027,317 
Allowance for credit losses   (19,884)   (20,267)
Net loans  $2,005,682   $2,007,050 
A summary of the activity in the balances of mortgage servicing rights follows:

A summary of the activity in the balances of mortgage servicing rights follows:

 

         
   Three Months Ended March 31, 
   2024   2023 
   (In thousands) 
Balance at the beginning of year:  $422   $550 
Capitalized mortgage servicing rights   —    — 
Amortization   (22)   (35)
Balance at the end of period  $400   $515 
Fair value at the end of period  $707   $779 
An analysis of changes in the allowance for credit losses by segment for the three months ended March 31, 2024 and March 31, 2023 is as follows:

An analysis of changes in the allowance for credit losses by segment for the three months ended March 31, 2024 and March 31, 2023 is as follows:

 

   Commercial Real Estate   Residential Real Estate   Commercial and Industrial   Consumer   Unallocated   Total 
   (In thousands) 
                         
Balance at December 31, 2023  $15,141   $2,548   $2,537   $41   $—   $20,267 
Provision (reversal) for credit losses   (398)   (71)   (95)   114    —    (450)
Charge-offs   —    (7)   (1)   (59)   —    (67)
Recoveries   28    11    67    28    —    134 
Balance at March 31, 2024  $14,771   $2,481   $2,508   $124   $—   $19,884 
                               
Allowance for credit losses for off-balance sheet exposures                              
Balance at December 31, 2023  $375   $163   $59   $—   $—   $597 
Provision (reversal) for credit losses   (111)   21    (10)   —    —    (100)
Balance at March 31, 2024  $264   $184   $49   $—   $—   $497 

 

   Commercial Real Estate   Residential Real Estate   Commercial and Industrial   Consumer   Unallocated   Total 
   (In thousands) 
                         
Balance at December 31, 2022  $12,199   $4,312   $3,160   $245   $15   $19,931 
Cumulative effect of change in accounting principle   3,989    (2,518)   (75)   (199)   (15)   1,182 
Adjusted Beginning Balance  $16,188   $1,794   $3,085    46    —   $21,113 
Provision (reversal) for credit losses   (349)   83    3    31    —    (232)
Charge-offs   (414)   —    (1,413)   (35)   —    (1,862)
Recoveries   —    —    1    11    —    12 
Balance at March 31, 2023  $15,425   $1,877   $1,676   $53   $—   $19,031 
                               

Allowance for credit losses for off-balance sheet exposures

                              
Balance at December 31, 2022  $—   $—   $—   $—   $—   $— 
Cumulative effect of change in accounting principle   611    267    40    —    —    918 
Provision (reversal) for credit losses   (93)   (62)   (1)   —    —    (156)
Balance at March 31, 2023  $518   $205   $39   $—   $—   $762 
The following tables present an age analysis of past due loans as of the dates indicated:

The following tables present an age analysis of past due loans as of the dates indicated:

 

   30 – 59 Days Past Due   60 – 89 Days Past Due   90 Days or More Past Due  

Total

Past Due Loans

  

Total  

Current Loans

  

Total

Loans

   Nonaccrual Loans 
   (In thousands) 
March 31, 2024                            
Commercial real estate  $522   $3   $799   $1,324   $1,082,586   $1,083,910   $1,035 
Residential real estate:                                   
Residential one-to-four family   1,547    514    800    2,861    612,416    615,277    4,492 
Home equity   347    —    101    448    111,040    111,488    101 
Total:   1,894    514    901    3,309    723,456    726,765    4,593 
Commercial and industrial   60    —    9    69    207,238    207,307    201 
Consumer   7    —    7    14    4,984    4,998    8 
Total loans  $2,483   $517   $1,716   $4,716   $2,018,264   $2,022,980   $5,837 

 

   30 – 59 Days Past Due   60 – 89 Days Past Due   90 Days or More Past Due  

Total

Past Due Loans

  

Total  

Current Loans

  

Total

Loans

   Nonaccrual Loans 
   (In thousands) 
December 31, 2023                            
Commercial real estate  $272   $647   $403   $1,322   $1,078,429   $1,079,751   $1,347 
Residential real estate:                                   
Residential one-to-four family   2,354    934    881    4,169    608,146    612,315    4,739 
Home equity   263    112    102    477    109,362    109,839    109 
Total:   2,617    1,046    983    4,646    717,508    722,154    4,848 
Commercial and industrial   20    —    8    28    217,419    217,447    218 
Consumer   3    —    —    3    5,469    5,472    8 
Total loans  $2,912   $1,693   $1,394   $5,999   $2,018,825   $2,024,824   $6,421 
The following table presents information regarding nonaccrual loans as of the dates indicated:

The following table presents information regarding nonaccrual loans as of the dates indicated:

 

                 
   As of March 31, 2024   For the Three Months Ended March 31, 2024 
   Nonaccrual Loans with Allowance for Credit Loss   Nonaccrual Loans Without Allowance for Credit Loss   Total Nonaccrual Loans   Accrued Interest Receivable Reversed from Income 
   (In thousands) 
                 
Commercial real estate  $—   $1,035   $1,035   $24 
Residential real estate:                    
Residential   —    4,492    4,492    55 
Home equity   —    101    101    3 
Commercial and industrial   —    201    201    39 
Consumer   8    —    8    — 
Total loans  $8   $5,829   $5,837   $121 

 

                 
   As of December 31, 2023   For the Three Months Ended March 31, 2023 
   Nonaccrual Loans with Allowance for Credit Loss   Nonaccrual Loans Without Allowance for Credit Loss   Total Nonaccrual Loans   Accrued Interest Receivable Reversed from Income 
   (In thousands) 
                 
Commercial real estate  $—   $1,347   $1,347   $23 
Residential real estate:                    
Residential   —    4,739    4,739    45 
Home equity   —    109    109    3 
Commercial and industrial   —    218    218    58 
Consumer   —    8    8    — 
Total loans  $—   $6,421   $6,421   $129 
The following table summarizes the Company’s individually evaluated collateral dependent loans by class as of the dates indicated:

The following table summarizes the Company’s individually evaluated collateral dependent loans by class as of the dates indicated:

 

   As of March 31, 2024 
   Recorded Investment   Related Allowance 
   (In thousands) 
With no related allowance recorded:          
Commercial real estate  $10,063   $— 
Residential real estate:          
Residential one-to-four family   4,665    — 
Home equity   101    — 
Commercial and industrial   305    — 
Consumer   —    — 
Loans with no related allowance recorded  $15,134   $— 
           
With an allowance recorded:          
Commercial real estate  $—   $— 
Residential real estate:          
Residential one-to-four family   —    — 
Home equity   —    — 
Commercial and industrial   517    179 
Consumer   —    — 
Loans with an allowance recorded  $517   $179 
Total individually evaluated loans  $15,651   $179 

 

   As of December 31, 2023 
   Recorded Investment   Related Allowance 
   (In thousands) 
With no related allowance recorded:          
Commercial real estate  $10,648   $— 
Residential real estate:          
Residential one-to-four family   5,163    — 
Home equity   109    — 
Commercial and industrial   13,273    — 
Consumer   8    — 
Loans with no related allowance recorded  $29,201   $— 
           
With an allowance recorded:          
Commercial real estate  $—   $— 
Residential real estate:          
Residential one-to-four family   —    — 
Home equity   —    — 
Commercial and industrial   517    179 
Consumer   —    — 
Loans with an allowance recorded  $517   $179 
Total individually evaluated loans  $29,718   $179 
The following tables detail the amortized cost balances of the Company’s loan portfolio presented by risk rating and origination year as of the periods presented.

The following tables detail the amortized cost balances of the Company’s loan portfolio presented by risk rating and origination year as of the periods presented. In addition, payment activity has been included as an additional credit quality indicator:

 

                                     
   Term Loan Origination by Year   Revolving Loans     
   March 31, 2024   2023   2022   2021   2020   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
                                     
Commercial Real Estate:                                             
Pass (Rated 1- 4)  $8,558   $43,495   $187,387   $235,012   $111,791   $403,778   $77,388   $—   $1,067,409 
Special Mention (Rated 5)   —    —    —    —    174    3,684    693    —    4,551 
Substandard (Rated 6)   —    —    —    —    8,492    3,458    —    —    11,950 
Total commercial real estate loans  $8,558   $43,495   $187,387   $235,012   $120,457   $410,920   $78,081   $—   $1,083,910 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $8,558   $43,495   $187,387   $235,012   $120,457   $409,885   $78,081   $—   $1,082,875 
Nonperforming   —    —    —    —    —    1,035    —    —    1,035 
                                              
Residential One-to-Four Family:                                             
Pass  $11,361   $57,844   $91,010   $93,134   $123,881   $224,744   $7,904   $—   $609,878 
Substandard   —    —    446    484    872    3,597    —    —    5,399 
Total residential one-to-four family  $11,361   $57,844   $91,456   $93,618   $124,753   $228,341   $7,904   $—   $615,277 
                                              
 Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $11,361   $57,844   $91,010   $93,134   $123,881   $225,651   $7,904   $—   $610,785 
Nonperforming   —    —    446    484    872    2,690    —    —    4,492 
                                              
Home Equity:                                             
Pass  $2,599   $10,003   $10,462   $6,680   $6,849   $11,976   $60,612   $2,206   $111,387 
Substandard   —    —    —    —    —    —    90    11    101 
Total home equity loans  $2,599   $10,003   $10,462   $6,680   $6,849   $11,976   $60,702   $2,217   $111,488 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $7   $—   $—   $7 
                                              
Payment Performance:                                             
Performing  $2,599   $10,003   $10,462   $6,680   $6,849   $11,976   $60,612   $2,206   $111,387 
Nonperforming   —    —    —    —    —    —    90    11    101 

 

   Term Loans Originated by Year   Revolving Loans     
   March 31, 2024   2023   2022   2021   2020   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
Commercial and Industrial:                                             
Pass (Rated 1- 4)  $6,463   $23,412   $34,411   $30,525   $17,998   $25,793   $53,851   $68   $192,521 
Special Mention (Rated 5)   —    6,200    95    35    —    2,052    2,266    —    10,648 
Substandard (Rated 6)   —    —    —    —    527    74    3,537    —    4,138 
Total commercial and industrial loans  $6,463   $29,612   $34,506   $30,560   $18,525   $27,919   $59,654   $68   $207,307 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $1   $1 
                                              
Payment Performance:                                             
Performing  $6,463   $29,612   $34,506   $30,560   $18,525   $27,913   $59,459   $68   $207,106 
Nonperforming   —    —    —    —    —    6    195    —    201 
                                              
Consumer:                                             
Pass  $299   $1,895   $1,205   $449   $163   $210   $770   $—   $4,991 
Substandard   —    —    —    —    —    7    —    —    7 
Total consumer loans  $299   $1,895   $1,205   $449   $163   $217   $770   $—   $4,998 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $59   $59 
                                              
Payment Performance:                                             
Performing  $299   $1,895   $1,205   $449   $163   $210   $769   $—   $4,990 
Nonperforming   —    —    —    —    —    7    1    —    8 

 

                                     
   Term Loan Origination by Year   Revolving Loans     
   2023   2022   2021   2020   2019   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
                                     
Commercial Real Estate:                                             
Pass (Rated 1- 4)  $42,764   $175,829   $228,739   $113,631   $91,353   $320,806   $81,483   $9,289   $1,063,894 
Special Mention (Rated 5)   —    —    —    180    915    3,237    164    —    4,496 
Substandard (Rated 6)   —    —    —    8,013    —    3,348    —    —    11,361 
Total commercial real estate loans  $42,764   $175,829   $228,739   $121,824   $92,268   $327,391   $81,647   $9,289   $1,079,751 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $764   $—   $—   $764 
                                              
Payment Performance:                                             
Performing  $42,764   $175,829   $228,739   $121,824   $92,268   $326,044   $81,647   $9,289   $1,078,404 
Nonperforming   —    —    —    —    —    1,347    —    —    1,347 
                                              
Residential One-to-Four Family:                                             
Pass  $59,257   $88,213   $94,290   $125,917   $54,263   $174,688   $10,401   $—   $607,029 
Substandard   —    447    495    445    —    3,899    —    —    5,286 
Total residential one-to-four family  $59,257   $88,660   $94,785   $126,362   $54,263   $178,587   $10,401   $—   $612,315 
                                              
 Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $59,257   $88,213   $94,290   $125,540   $54,263   $175,612   $10,401   $—   $607,576 
Nonperforming   —    447    495    822    —    2,975    —    —    4,739 
                                              
Home Equity:                                             
Pass  $9,937   $10,885   $6,861   $7,108   $5,234   $7,261   $60,115   $2,329   $109,730 
Substandard   —    —    —    —    —    7    90    12    109 
Total home equity loans  $9,937   $10,885   $6,861   $7,108   $5,234   $7,268   $60,205   $2,341   $109,839 
                                              
 Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $9,937   $10,885   $6,861   $7,108   $5,234   $7,261   $60,115   $2,329   $109,730 
Nonperforming   —    —    —    —    —    7    90    12    109 

 

   Term Loans Originated by Year   Revolving Loans     
   2023   2022   2021   2020   2019   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
Commercial and Industrial:                                             
Pass (Rated 1- 4)  $31,108   $35,705   $26,553   $19,780   $19,765   $8,825   $57,393   $69   $199,198 
Special Mention (Rated 5)   —    101    —    —    8    498    707    —    1,314 
Substandard (Rated 6)   —    —    1,408    8,156    —    85    7,286    —    16,935 
Total commercial and industrial loans  $31,108   $35,806   $27,961   $27,936   $19,773   $9,408   $65,386   $69   $217,447 
                                              
Current period gross charge-offs  $—   $147   $—   $—   $—   $221   $—   $1,193   $1,561 
                                              
Payment Performance:                                             
Performing  $31,108   $35,806   $27,961   $27,936   $19,773   $9,401   $65,175   $69   $217,229 
Nonperforming   —    —    —    —    —    7    211    —    218 
                                              
Consumer:                                             
Pass  $2,168   $1,381   $524   $241   $68   $270   $812   $—   $5,464 
Substandard   —    —    —    —    —    8    —    —    8 
Total consumer loans  $2,168   $1,381   $524   $241   $68   $278   $812   $—   $5,472 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $3   $182   $185 
                                              
Payment Performance:                                             
Performing  $2,168   $1,381   $524   $241   $68   $271   $811   $—   $5,464 
Nonperforming   —    —    —    —    —    7    1    —    8 
XML 39 R28.htm IDEA: XBRL DOCUMENT v3.24.1.u1
SHARE-BASED COMPENSATION (Tables)
 3 Months Ended
Mar. 31, 2024
Share-Based Payment Arrangement [Abstract]  
The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows:

The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows:

 

                      
    Return on Equity Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
December 31, 2021   5.63%   6.25%   7.50%
December 31, 2022   5.85%   6.50%   7.80%
December 31, 2023   6.08%   6.75%   8.10%

 

                      
    

Earnings Per Share Metrics

 
Performance Period Ending   Threshold    Target    Stretch 
                
Three-year Cumulative Diluted Earnings Per Share  $1.58   $1.97   $2.36 
                
The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows:

The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows:

 

                      
    Return on Equity Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
December 31, 2022   7.79%   8.20%   8.61%
December 31, 2023   7.93%   8.35%   8.77%
December 31, 2024   8.03%   8.45%   8.87%

 

                      
    Earnings Per Share Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
Three-year Cumulatzive Diluted Earnings Per Share  $2.35   $2.61   $2.85 
The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows:

The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows:

 

                      
    Return on Equity Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
December 31, 2023   8.00%   8.45%   8.85%
December 31, 2024   8.75%   9.25%   9.75%
December 31, 2025   9.00%   9.50%   10.00%

 

                      
    Earnings Per Share Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
Three-year Cumulative Diluted Earnings Per Share  $2.39   $2.65   $2.89 
The threshold, target and stretch metrics under the 2024 Incentive Plan are as follows:

The threshold, target and stretch metrics under the 2024 Incentive Plan are as follows:

 

                      
    Return on Equity Metrics 
Performance Period Ending   Threshold    Target    Stretch 
                
December 31, 2024   5.05%   5.61%   6.17%
December 31, 2025   6.18%   6.86%   7.55%
December 31, 2026   7.30%   8.11%   8.92%

 

                      
    

Earnings Per Share Metrics

 
Performance Period Ending   Threshold    Target    Stretch 
                
Three-year Cumulative Diluted Earnings Per Share  $2.25   $2.50   $2.75 
A summary of the status of restricted stock awards at March 31, 2024 and 2023 is presented below:

A summary of the status of restricted stock awards at March 31, 2024 and 2023 is presented below:

 

    Shares  

Weighted Average

Grant Date Fair Value 

($)

 
Balance at December 31, 2023    220,635    9.29 
 Shares granted    187,049    8.38 
 Shares vested    (69,376)   8.34 
Balance at March 31, 2024    338,308    8.98 

 

    Shares  

Weighted Average

Grant Date Fair Value

($)

 
Balance at December 31, 2022    206,092    8.85 
Shares granted    158,957    9.79 
Shares vested    (59,270)   9.11 
Balance at March 31, 2023    305,779    9.29 
XML 40 R29.htm IDEA: XBRL DOCUMENT v3.24.1.u1
DERIVATIVES AND HEDGING ACTIVITIES (Tables)
 3 Months Ended
Mar. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
As of March 31, 2024 and December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges:

As of March 31, 2024 and December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges:

 

 

 

Carrying Amount of Hedged

Assets/(Liabilities)

   Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities) 
Item in the Balance Sheet in which the Hedged Item is Included 

At

March 31, 2024

  

At

December 31, 2023

  

At

March 31, 2024

  

At

December 31, 2023

 
   (In thousands) 
     
    Loans  $199,192   $199,393   $(808)  $(607)
Total  $199,192   $199,393   $(808)  $(607)
The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of March 31, 2024 and December 31, 2023.

The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of March 31, 2024 and December 31, 2023.

 

   Asset Derivatives  Liability Derivatives
March 31, 2024 

Balance Sheet

Location

  Fair Value  

Balance Sheet

Location

  Fair Value 
   (In thousands)
Hedging Derivatives                
Interest rate swaps - fair value hedges     $845      $—  
Derivatives not designated as hedging instruments:                
Interest rate swap – with customer counterparties      —        5,875 
Interest rate swap – with dealer counterparties      5,875       —  
Total derivatives  Other Assets  $6,720   Other Liabilities  $5,875 

 

 

  Asset Derivatives  Liability Derivatives
December 31, 2023 

Balance Sheet

Location

  Fair Value  

Balance Sheet

Location

  Fair Value 
   (In thousands)
Hedging Derivatives                
Interest rate swaps - fair value hedges     $651      $—  
Derivatives not designated as hedging instruments:                
Interest rate swap – with customer counterparties      —        5,239 
Interest rate swap – with dealer counterparties      5,239       —  
Total derivatives  Other Assets  $5,890   Other Liabilities  $5,239 
The table below presents the effect of the Company’s fair value hedge derivative on the statements of net income as of March 31, 2024.

The table below presents the effect of the Company’s fair value hedge derivative on the statements of net income as of March 31, 2024. There were no fair value hedge derivatives at March 31, 2023.

 

             
   Location and Amount of Gain (Loss) Recognized in Income on  Fair Value Hedging Relationships 
  

Three Months Ended

March 31, 2024

  

Three Months Ended

March 31, 2023

 
   (In thousands) 
     
    Interest Income    Interest Income 
Total amounts of income line items presented in the statements of net income in which the effects of fair value hedges are recorded  $443   $— 
           
Gain (loss) on fair value hedging relationships          
Interest rate contracts:          
Hedged items  $(6)   — 
Derivatives designated as hedging instruments   449    — 
XML 41 R30.htm IDEA: XBRL DOCUMENT v3.24.1.u1
FAIR VALUE OF ASSETS AND LIABILITIES (Tables)
 3 Months Ended
Mar. 31, 2024
Fair Value Disclosures [Abstract]  
Assets and liabilities measured at fair value on a recurring basis are summarized below:

Assets and liabilities measured at fair value on a recurring basis are summarized below:

 

                               
   March 31, 2024 
   Level 1   Level 2   Level 3   Total 
Assets:  (In thousands) 
Available-for-sale securities  $—   $138,362   $—   $138,362 
Marketable equity securities   222    —    —    222 
Interest rate swaps   —    6,720    —    6,720 
Total assets  $222   $145,082   $—   $145,304 
                     
Liabilities:                    
Interest rate swaps  $—   $5,875   $—   $5,875 

 

                               
   December 31, 2023 
   Level 1   Level 2   Level 3   Total 
Assets:  (In thousands) 
Available-for-sale securities  $—   $137,115   $—   $137,115 
Marketable equity securities   196    —    —    196 
Interest rate swaps   —    5,890    —    5,890 
Total assets  $196   $143,005   $—   $143,201 
                     
Liabilities:                    
Interest rate swaps  $—   $5,239   $—   $5,239 
The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2023:

We may also be required, from time to time, to measure certain other financial assets at fair value on a nonrecurring basis in accordance with generally accepted accounting principles. These adjustments to fair value usually result from application of lower-of-cost-or-market accounting or write-downs of individual assets. There were no collateral dependent loans measured at fair value on a nonrecurring basis as of March 31, 2024. The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2023:

 

   At December 31, 2023  

Three Months Ended

March 31, 2023

 
   Level 1   Level 2   Level 3  

Total

Losses

 
   (In thousands)   (In thousands) 
Collateral dependent loans  $—   $—   $1,100   $2,178 
The estimated fair values of our financial instruments are as follows:

The estimated fair values of our financial instruments are as follows:

 

                                       
   March 31, 2024 
   Carrying Value   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (In thousands) 
Assets:                    
Cash and cash equivalents  $22,613   $22,613   $—   $—   $22,613 
Securities held-to-maturity   221,242    9,463    172,216    —    181,679 
Securities available-for-sale   138,362    —    138,362    —    138,362 
Marketable equity securities   222    222    —    —    222 
Federal Home Loan Bank of Boston and other restricted stock   3,105    —    —    3,105    3,105 
Loans - net   2,005,682    —    —    1,837,472    1,837,472 
Accrued interest receivable   8,622    —    —    8,622    8,622 
Mortgage servicing rights   400    —    707    —    707 
    Derivative asset   6,720    —    6,720    —    6,720 
                          
Liabilities:                         
Deposits   2,143,747    —    —    2,140,561    2,140,561 
Short-term borrowings   11,470    —    11,459    —    11,459 
Long-term debt   120,646    —    120,459    —    120,459 
Subordinated debt   19,722    —    17,281    —    17,281 
Accrued interest payable   4,414    —    —    4,414    4,414 
Derivative liabilities   5,875    —    5,875    —    5,875 

 

                                       
  

December 31, 2023 

 
   Carrying Value   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (In thousands) 
Assets:                    
Cash and cash equivalents  $28,840   $28,840   $—   $—   $28,840 
Securities held-to-maturity   223,370    9,450    178,242    —    187,692 
Securities available-for-sale   137,115    —    137,115    —    137,115 
Marketable equity securities   196    196    —    —    196 
Federal Home Loan Bank of Boston and other restricted stock   3,707    —    —    3,707    3,707 
Loans - net   2,007,050    —    —    1,841,913    1,841,913 
Accrued interest receivable   8,528    —    —    8,528    8,528 
Mortgage servicing rights   422    —    724    —    724 
    Derivative asset   5,890    —    5,890    —    5,890 
                          
Liabilities:                         
Deposits   2,143,744    —    —    2,140,930    2,140,930 
Short-term borrowings   16,100    —    16,100    —    16,100 
Long-term debt   120,646    —    120,460    —    120,460 
Subordinated debt   19,712    —    17,938    —    17,938 
Accrued interest payable   3,310    —    —    3,310    3,310 
Derivative liabilities   5,239    —    5,239    —    5,239 
XML 42 R31.htm IDEA: XBRL DOCUMENT v3.24.1.u1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative)
Mar. 31, 2024
N
Accounting Policies [Abstract]  
Number of banking offices in which bank operates 25
XML 43 R32.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Earnings per common share for the three months ended March 31, 2024 and 2023 have been computed based on the following: (Details) - USD ($)
$ / shares in Units, shares in Thousands, $ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Earnings per common share:    
Net income applicable to common stock $ 2,961 $ 5,304
Average number of common shares issued 21,640 22,220
Less: Average unallocated ESOP Shares (291) (367)
Less: Average unvested performance-based equity incentive plan shares (168) (154)
Average number of common shares outstanding used to calculate basic earnings per common share 21,181 21,699
Effect of dilutive performance-based equity incentive plan shares 90 18
Average number of common shares outstanding used to calculate diluted earnings per common share 21,271 21,717
Basic earnings per share $ 0.14 $ 0.24
Diluted earnings per share $ 0.14 $ 0.24
XML 44 R33.htm IDEA: XBRL DOCUMENT v3.24.1.u1
The components of accumulated other comprehensive loss included in shareholders’ equity are as follows: (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Accumulated Other Comprehensive Income (Loss) [Line Items]    
Accumulated other comprehensive loss $ (23,637) $ (21,744)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member]    
Accumulated Other Comprehensive Income (Loss) [Line Items]    
Net unrealized losses on available-for-sale securities (31,702) (29,166)
Tax effect 8,065 7,422
Accumulated other comprehensive loss $ (23,637) $ (21,744)
XML 45 R34.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Available-for-sale and held-to-maturity investment securities at March 31, 2024 and December 31, 2023 are summarized as follows: (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost $ 170,064 $ 166,281
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (31,702) (29,166)
Available-for-sale securities, at fair value 138,362 137,115
Held-to-maturity securities, amortized cost 221,242 223,370
Held-to-maturity securities, gross unrealized gains 39 107
Held-to-maturity securities, gross unrealized losses (39,602) (35,785)
Held-to-maturity securities, fair value 181,679 187,692
Total, amortized cost 391,306 389,651
Total, gross unrealized gains 39 107
Total, gross unrealized losses (71,304) (64,951)
Total, fair value 320,041 324,807
Government-sponsored enterprise obligations [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 14,927 14,924
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (3,095) (2,898)
Available-for-sale securities, at fair value 11,832 12,026
State and Municipal Bonds [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 135 135
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (1)
Available-for-sale securities, at fair value 134 135
Corporate Debt Securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 5,000 8,000
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (929) (1,038)
Available-for-sale securities, at fair value 4,071 6,962
Debt Securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 20,062 23,059
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (4,025) (3,936)
Available-for-sale securities, at fair value 16,037 19,123
Held-to-maturity securities, amortized cost 11,097 9,995
Held-to-maturity securities, gross unrealized gains 3
Held-to-maturity securities, gross unrealized losses (534) (545)
Held-to-maturity securities, fair value 10,566 9,450
Government-sponsored mortgage-backed securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 143,410 136,533
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (26,321) (23,976)
Available-for-sale securities, at fair value 117,089 112,557
Held-to-maturity securities, amortized cost 210,145 213,375
Held-to-maturity securities, gross unrealized gains 36 107
Held-to-maturity securities, gross unrealized losses (39,068) (35,240)
Held-to-maturity securities, fair value 171,113 178,242
U.S. government guaranteed mortgage-backed securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 6,592 6,689
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (1,356) (1,254)
Available-for-sale securities, at fair value 5,236 5,435
Collateralized Mortgage-Backed Securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 150,002 143,222
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (27,677) (25,230)
Available-for-sale securities, at fair value 122,325 117,992
Held-to-maturity securities, amortized cost 210,145 213,375
Held-to-maturity securities, gross unrealized gains 36 107
Held-to-maturity securities, gross unrealized losses (39,068) (35,240)
Held-to-maturity securities, fair value 171,113 178,242
US Treasury Securities [Member]    
Marketable Securities [Line Items]    
Held-to-maturity securities, amortized cost 9,997 9,995
Held-to-maturity securities, gross unrealized gains
Held-to-maturity securities, gross unrealized losses (534) (545)
Held-to-maturity securities, fair value 9,463 $ 9,450
U.S. Government Guaranteed Obligations [Member]    
Marketable Securities [Line Items]    
Held-to-maturity securities, amortized cost 1,100  
Held-to-maturity securities, gross unrealized gains 3  
Held-to-maturity securities, gross unrealized losses  
Held-to-maturity securities, fair value $ 1,103  
XML 46 R35.htm IDEA: XBRL DOCUMENT v3.24.1.u1
The following table presents the unrealized gains recognized on marketable equity securities for the periods indicated: (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Investments, Debt and Equity Securities [Abstract]    
Net gains recognized during the period on marketable equity securities $ 8
Net losses recognized during the period on equity securities sold during the period
Unrealized gains recognized during the period on marketable equity securities still held at end of period $ 8
XML 47 R36.htm IDEA: XBRL DOCUMENT v3.24.1.u1
The amortized cost and fair value of available-for-sale and held-to-maturity securities at March 31, 2024, by final maturity, are shown below. (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Marketable Securities [Line Items]    
Amortized cost, available for sale $ 170,064 $ 166,281
Fair value, available for sale 138,362 137,115
Amortized cost, held to maturity 221,242 223,370
Fair value, held to maturity 181,679 187,692
Debt Securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, due in one year or less, amortized cost 135  
Available-for-sale securities, due in one year or less, fair value 134  
Held-to-maturity securities, due in one year or less, amortized cost 4,994  
Held-to-maturity securities, due in one year or less, fair value 4,864  
Available-for-sale securities, due after one year through five years, amortized cost  
Available-for-sale securities, due after one year through five years, fair value  
Held-to-maturity securities, due after one year through five years, amortized cost 5,003  
Held-to-maturity securities, due after one year through five years, fair value 4,599  
Available-for-sale securities, due after five years through ten years, amortized cost 19,927  
Available-for-sale securities, due after five years through ten years, fair value 15,903  
Held-to-maturity securities, due after five years through ten years, amortized cost  
Held-to-maturity securities, due after five years through ten years, fair value  
Available-for-sale securities, due after ten years, amortized cost  
Available-for-sale securities, due after ten years, fair value  
Held-to-maturity securities, due after ten years, amortized cost 1,100  
Held-to-maturity securities, due after ten years, fair value 1,103  
Amortized cost, available for sale 20,062 23,059
Fair value, available for sale 16,037 19,123
Amortized cost, held to maturity 11,097 9,995
Fair value, held to maturity 10,566 9,450
Collateralized Mortgage-Backed Securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, due after one year through five years, amortized cost 962  
Available-for-sale securities, due after one year through five years, fair value 916  
Held-to-maturity securities, due after one year through five years, amortized cost  
Held-to-maturity securities, due after one year through five years, fair value  
Available-for-sale securities, due after five years through ten years, amortized cost 844  
Available-for-sale securities, due after five years through ten years, fair value 767  
Held-to-maturity securities, due after five years through ten years, amortized cost  
Held-to-maturity securities, due after five years through ten years, fair value  
Available-for-sale securities, due after ten years, amortized cost 148,196  
Available-for-sale securities, due after ten years, fair value 120,642  
Held-to-maturity securities, due after ten years, amortized cost 210,145  
Held-to-maturity securities, due after ten years, fair value 171,113  
Amortized cost, available for sale 150,002 143,222
Fair value, available for sale 122,325 117,992
Amortized cost, held to maturity 210,145 213,375
Fair value, held to maturity $ 171,113 $ 178,242
XML 48 R37.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Information pertaining to investment securities with gross unrealized losses (Details)
$ in Thousands
Mar. 31, 2024
USD ($)
N
Dec. 31, 2023
USD ($)
N
Marketable Securities [Line Items]    
Available-for-sale, less than 12 months, number of securities | N 3
Available-for-sale, less than 12 months, fair value $ 9,429
Available-for-sale, less than 12 months, gross unrealized loss $ 14
Available-for-sale, over 12 months, number of securities | N 84 85
Available-for-sale, over 12 months, fair value $ 128,933 $ 136,980
Available-for-sale, over 12 months, gross unrealized loss $ 31,688 $ 29,166
Held-to-maturity, less than 12 months, number of securities | N 3 4
Held-to-maturity, less than 12 months, fair value $ 5,711 $ 7,097
Held-to-maturity, less than 12 months, gross unrealized loss $ 80 $ 56
Held-to-maturity, over 12 months, number of securities | N 39 38
Held-to-maturity, over 12 months, fair value $ 168,522 $ 173,845
Held-to-maturity, over 12 months, gross unrealized loss $ 39,522 $ 35,729
Total, less than 12 months, number of securities | N 6 4
Total, less than 12 months, fair value $ 15,140 $ 7,097
Total, less than 12 months, gross unrealized loss $ 94 $ 56
Total, over 12 months, number of securities | N 123 123
Total, over 12 months, fair value $ 297,455 $ 310,825
Total, over 12 months, gross unrealized loss $ 71,210 $ 64,895
Government-sponsored mortgage-backed securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale, less than 12 months, number of securities | N 2
Available-for-sale, less than 12 months, fair value $ 9,295
Available-for-sale, less than 12 months, gross unrealized loss $ 13
Available-for-sale, less than 12 months, depreciation from amortized cost basis (%) 0.10%
Available-for-sale, over 12 months, number of securities | N 70 70
Available-for-sale, over 12 months, fair value $ 107,794 $ 112,557
Available-for-sale, over 12 months, gross unrealized loss $ 26,308 $ 23,976
Available-for-sale, over 12 months, depreciation from amortized cost basis (%) 19.60% 17.60%
Held-to-maturity, less than 12 months, number of securities | N 3 4
Held-to-maturity, less than 12 months, fair value $ 5,711 $ 7,097
Held-to-maturity, less than 12 months, gross unrealized loss $ 80 $ 56
Held-to-maturity, less than 12 months, depreciation from amortized cost basis (%) 1.40% 0.80%
Held-to-maturity, over 12 months, number of securities | N 37 36
Held-to-maturity, over 12 months, fair value $ 159,059 $ 164,395
Held-to-maturity, over 12 months, gross unrealized loss $ 38,988 $ 35,184
Held-to-maturity, over 12 months, depreciation from amortized cost basis (%) 19.70% 17.60%
U.S. government guaranteed mortgage-backed securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale, less than 12 months, number of securities | N
Available-for-sale, less than 12 months, fair value
Available-for-sale, less than 12 months, gross unrealized loss
Available-for-sale, less than 12 months, depreciation from amortized cost basis (%)
Available-for-sale, over 12 months, number of securities | N 9 9
Available-for-sale, over 12 months, fair value $ 5,236 $ 5,435
Available-for-sale, over 12 months, gross unrealized loss $ 1,356 $ 1,254
Available-for-sale, over 12 months, depreciation from amortized cost basis (%) 20.60% 18.70%
Government-sponsored enterprise obligations [Member]    
Marketable Securities [Line Items]    
Available-for-sale, less than 12 months, number of securities | N
Available-for-sale, less than 12 months, fair value
Available-for-sale, less than 12 months, gross unrealized loss
Available-for-sale, less than 12 months, depreciation from amortized cost basis (%)
Available-for-sale, over 12 months, number of securities | N 3 3
Available-for-sale, over 12 months, fair value $ 11,832 $ 12,026
Available-for-sale, over 12 months, gross unrealized loss $ 3,095 $ 2,898
Available-for-sale, over 12 months, depreciation from amortized cost basis (%) 20.70% 19.40%
Corporate Bonds [Member]    
Marketable Securities [Line Items]    
Available-for-sale, less than 12 months, number of securities | N
Available-for-sale, less than 12 months, fair value
Available-for-sale, less than 12 months, gross unrealized loss
Available-for-sale, less than 12 months, depreciation from amortized cost basis (%)
Available-for-sale, over 12 months, number of securities | N 2 3
Available-for-sale, over 12 months, fair value $ 4,071 $ 6,962
Available-for-sale, over 12 months, gross unrealized loss $ 929 $ 1,038
Available-for-sale, over 12 months, depreciation from amortized cost basis (%) 18.60% 13.00%
State and Municipal Bonds [Member]    
Marketable Securities [Line Items]    
Available-for-sale, less than 12 months, number of securities | N 1  
Available-for-sale, less than 12 months, fair value $ 134  
Available-for-sale, less than 12 months, gross unrealized loss $ 1  
Available-for-sale, less than 12 months, depreciation from amortized cost basis (%) 0.70%  
Available-for-sale, over 12 months, number of securities | N  
Available-for-sale, over 12 months, fair value  
Available-for-sale, over 12 months, gross unrealized loss  
Available-for-sale, over 12 months, depreciation from amortized cost basis (%)  
US Treasury Securities [Member]    
Marketable Securities [Line Items]    
Held-to-maturity, less than 12 months, number of securities | N
Held-to-maturity, less than 12 months, fair value
Held-to-maturity, less than 12 months, gross unrealized loss
Held-to-maturity, less than 12 months, depreciation from amortized cost basis (%)
Held-to-maturity, over 12 months, number of securities | N 2 2
Held-to-maturity, over 12 months, fair value $ 9,463 $ 9,450
Held-to-maturity, over 12 months, gross unrealized loss $ 534 $ 545
Held-to-maturity, over 12 months, depreciation from amortized cost basis (%) 5.30% 5.50%
XML 49 R38.htm IDEA: XBRL DOCUMENT v3.24.1.u1
INVESTMENT SECURITIES (Details Narrative) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Marketable Securities [Line Items]    
Securities fair value $ 320,041 $ 324,807
Accrued interest receivable on held-to-maturity securities 482 454
Guaranteed by government agencies [Member]    
Marketable Securities [Line Items]    
Accrued interest receivable on available for sale securities 360 333
Not guaranteed by government agencies [Member]    
Marketable Securities [Line Items]    
Accrued interest receivable on available for sale securities 51 $ 178
Asset Pledged as Collateral [Member] | Deposits [Member] | US Treasury Securities [Member]    
Marketable Securities [Line Items]    
Securities fair value 9,500  
Asset Pledged as Collateral [Member] | Deposits [Member] | Government-sponsored enterprise obligations [Member]    
Marketable Securities [Line Items]    
Securities fair value 7,800  
Asset Pledged as Collateral [Member] | Deposits [Member] | Collateralized Mortgage-Backed Securities [Member]    
Marketable Securities [Line Items]    
Securities fair value $ 169,400  
XML 50 R39.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Major classifications of loans at the periods indicated were as follows: (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Mar. 31, 2023
Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]        
 Total gross loans $ 2,022,980 $ 2,024,824    
Unearned premiums and deferred loan fees and costs, net 2,586 2,493    
Total loans, net 2,025,566 2,027,317    
Allowance for credit losses (19,884) (20,267) $ (19,031) $ (19,931)
Net loans 2,005,682 2,007,050    
Commercial Real Estate [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
 Total gross loans 1,083,910 1,079,751    
Allowance for credit losses (14,771) (15,141) (15,425) (12,199)
Residential Mortgage [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
 Total gross loans 615,277 612,315    
Home Equity Line of Credit [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
 Total gross loans 111,488 109,839    
Residential Portfolio Segment [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
 Total gross loans 726,765 722,154    
Allowance for credit losses (2,481) (2,548) (1,877) (4,312)
Commercial and Industrial Sector [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
 Total gross loans 207,307 217,447    
Allowance for credit losses (2,508) (2,537) (1,676) (3,160)
Consumer Loan [Member]        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
 Total gross loans 4,998 5,472    
Allowance for credit losses $ (124) $ (41) $ (53) $ (245)
XML 51 R40.htm IDEA: XBRL DOCUMENT v3.24.1.u1
A summary of the activity in the balances of mortgage servicing rights follows: (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Receivables [Abstract]    
Balance at the beginning of year: $ 422 $ 550
Capitalized mortgage servicing rights
Amortization (22) (35)
Balance at the end of period 400 515
Fair value at the end of period $ 707 $ 779
XML 52 R41.htm IDEA: XBRL DOCUMENT v3.24.1.u1
An analysis of changes in the allowance for credit losses by segment for the three months ended March 31, 2024 and March 31, 2023 is as follows: (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses $ 20,267 $ 19,931 $ 19,931
Provision (reversal) for credit losses (450) (232)  
Charge-offs (67) (1,862)  
Recoveries 134 12  
Ending balance, allowance for credit losses 19,884 19,031 20,267
Allowance for credit losses for off-balance sheet exposures      
Beginning balance 597
Provision (reversal) for credit losses (100) (156)  
Ending balance 497 762 597
Cumulative Effect, Period of Adoption, Adjustment [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses   1,182 1,182
Allowance for credit losses for off-balance sheet exposures      
Beginning balance   918 918
Cumulative Effect, Period of Adoption, Adjusted Balance [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses   21,113 21,113
Commercial Real Estate [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses 15,141 12,199 12,199
Provision (reversal) for credit losses (398) (349)  
Charge-offs (414) (764)
Recoveries 28  
Ending balance, allowance for credit losses 14,771 15,425 15,141
Allowance for credit losses for off-balance sheet exposures      
Beginning balance 375
Provision (reversal) for credit losses (111) (93)  
Ending balance 264 518 375
Commercial Real Estate [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses   3,989 3,989
Allowance for credit losses for off-balance sheet exposures      
Beginning balance   611 611
Commercial Real Estate [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses   16,188 16,188
Residential Portfolio Segment [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses 2,548 4,312 4,312
Provision (reversal) for credit losses (71) 83  
Charge-offs (7)  
Recoveries 11  
Ending balance, allowance for credit losses 2,481 1,877 2,548
Allowance for credit losses for off-balance sheet exposures      
Beginning balance 163
Provision (reversal) for credit losses 21 (62)  
Ending balance 184 205 163
Residential Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses   (2,518) (2,518)
Allowance for credit losses for off-balance sheet exposures      
Beginning balance   267 267
Residential Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses   1,794 1,794
Commercial and Industrial Sector [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses 2,537 3,160 3,160
Provision (reversal) for credit losses (95) 3  
Charge-offs (1) (1,413) (1,561)
Recoveries 67 1  
Ending balance, allowance for credit losses 2,508 1,676 2,537
Allowance for credit losses for off-balance sheet exposures      
Beginning balance 59
Provision (reversal) for credit losses (10) (1)  
Ending balance 49 39 59
Commercial and Industrial Sector [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses   (75) (75)
Allowance for credit losses for off-balance sheet exposures      
Beginning balance   40 40
Commercial and Industrial Sector [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses   3,085 3,085
Consumer Loan [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses 41 245 245
Provision (reversal) for credit losses 114 31  
Charge-offs (59) (35) (185)
Recoveries 28 11  
Ending balance, allowance for credit losses 124 53 41
Allowance for credit losses for off-balance sheet exposures      
Beginning balance
Provision (reversal) for credit losses  
Ending balance
Consumer Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses   (199) (199)
Allowance for credit losses for off-balance sheet exposures      
Beginning balance  
Consumer Loan [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses   46 46
Unallocated [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses 15 15
Provision (reversal) for credit losses  
Charge-offs  
Recoveries  
Ending balance, allowance for credit losses
Allowance for credit losses for off-balance sheet exposures      
Beginning balance
Provision (reversal) for credit losses  
Ending balance
Unallocated [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses   (15) (15)
Allowance for credit losses for off-balance sheet exposures      
Beginning balance  
Unallocated [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]      
Financing Receivable, Allowance for Credit Loss [Line Items]      
Beginning balance, allowance for credit losses  
XML 53 R42.htm IDEA: XBRL DOCUMENT v3.24.1.u1
The following tables present an age analysis of past due loans as of the dates indicated: (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Financing Receivable, Past Due [Line Items]    
Total loans $ 2,022,980 $ 2,024,824
Non-Accrual Loans 5,837 6,421
Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 2,483 2,912
Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 517 1,693
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 1,716 1,394
Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 4,716 5,999
Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 2,018,264 2,018,825
Commercial Real Estate [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 1,083,910 1,079,751
Non-Accrual Loans 1,035 1,347
Commercial Real Estate [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 522 272
Commercial Real Estate [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 3 647
Commercial Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 799 403
Commercial Real Estate [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 1,324 1,322
Commercial Real Estate [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 1,082,586 1,078,429
Residential Mortgage [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 615,277 612,315
Non-Accrual Loans 4,492 4,739
Residential Mortgage [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 1,547 2,354
Residential Mortgage [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 514 934
Residential Mortgage [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 800 881
Residential Mortgage [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 2,861 4,169
Residential Mortgage [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 612,416 608,146
Home Equity Line of Credit [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 111,488 109,839
Non-Accrual Loans 101 109
Home Equity Line of Credit [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 347 263
Home Equity Line of Credit [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 112
Home Equity Line of Credit [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 101 102
Home Equity Line of Credit [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 448 477
Home Equity Line of Credit [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 111,040 109,362
Residential Portfolio Segment [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 726,765 722,154
Non-Accrual Loans 4,593 4,848
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 1,894 2,617
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 514 1,046
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 901 983
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 3,309 4,646
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 723,456 717,508
Commercial and Industrial Sector [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 207,307 217,447
Non-Accrual Loans 201 218
Commercial and Industrial Sector [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 60 20
Commercial and Industrial Sector [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans
Commercial and Industrial Sector [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 9 8
Commercial and Industrial Sector [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 69 28
Commercial and Industrial Sector [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 207,238 217,419
Consumer Loan [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 4,998 5,472
Non-Accrual Loans 8 8
Consumer Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 7 3
Consumer Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans
Consumer Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 7
Consumer Loan [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 14 3
Consumer Loan [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans $ 4,984 $ 5,469
XML 54 R43.htm IDEA: XBRL DOCUMENT v3.24.1.u1
The following table presents information regarding nonaccrual loans as of the dates indicated: (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Dec. 31, 2023
Financing Receivable, Past Due [Line Items]      
Financing Receivable, Nonaccrual, With Allowance $ 8  
Financing Receivable, Nonaccrual, No Allowance 5,829   6,421
Financing Receivable, Nonaccrual 5,837   6,421
Accrued Interest Receivable Reversed from Income 121 $ 129  
Commercial Real Estate [Member]      
Financing Receivable, Past Due [Line Items]      
Financing Receivable, Nonaccrual, With Allowance  
Financing Receivable, Nonaccrual, No Allowance 1,035   1,347
Financing Receivable, Nonaccrual 1,035   1,347
Accrued Interest Receivable Reversed from Income 24 23  
Residential Mortgage [Member]      
Financing Receivable, Past Due [Line Items]      
Financing Receivable, Nonaccrual, With Allowance  
Financing Receivable, Nonaccrual, No Allowance 4,492   4,739
Financing Receivable, Nonaccrual 4,492   4,739
Accrued Interest Receivable Reversed from Income 55 45  
Home Equity Line of Credit [Member]      
Financing Receivable, Past Due [Line Items]      
Financing Receivable, Nonaccrual, With Allowance  
Financing Receivable, Nonaccrual, No Allowance 101   109
Financing Receivable, Nonaccrual 101   109
Accrued Interest Receivable Reversed from Income 3 3  
Commercial and Industrial Sector [Member]      
Financing Receivable, Past Due [Line Items]      
Financing Receivable, Nonaccrual, With Allowance  
Financing Receivable, Nonaccrual, No Allowance 201   218
Financing Receivable, Nonaccrual 201   218
Accrued Interest Receivable Reversed from Income 39 58  
Consumer Loan [Member]      
Financing Receivable, Past Due [Line Items]      
Financing Receivable, Nonaccrual, With Allowance 8  
Financing Receivable, Nonaccrual, No Allowance   8
Financing Receivable, Nonaccrual 8   $ 8
Accrued Interest Receivable Reversed from Income  
XML 55 R44.htm IDEA: XBRL DOCUMENT v3.24.1.u1
The following table summarizes the Company’s individually evaluated collateral dependent loans by class as of the dates indicated: (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Financing Receivable, Past Due [Line Items]    
Individually evaluated loans, recorded investment $ 15,651 $ 29,718
Loans with an allowance recorded, related allowance 179 179
With No Related Allowance Recorded [Member]    
Financing Receivable, Past Due [Line Items]    
Individually evaluated loans, recorded investment 15,134 29,201
With Allowance Recorded [Member]    
Financing Receivable, Past Due [Line Items]    
Individually evaluated loans, recorded investment 517 517
Loans with an allowance recorded, related allowance 179 179
Commercial Real Estate [Member] | With No Related Allowance Recorded [Member]    
Financing Receivable, Past Due [Line Items]    
Individually evaluated loans, recorded investment 10,063 10,648
Residential Mortgage [Member] | With No Related Allowance Recorded [Member]    
Financing Receivable, Past Due [Line Items]    
Individually evaluated loans, recorded investment 4,665 5,163
Home Equity Line of Credit [Member] | With No Related Allowance Recorded [Member]    
Financing Receivable, Past Due [Line Items]    
Individually evaluated loans, recorded investment 101 109
Commercial and Industrial Sector [Member] | With No Related Allowance Recorded [Member]    
Financing Receivable, Past Due [Line Items]    
Individually evaluated loans, recorded investment 305 13,273
Commercial and Industrial Sector [Member] | With Allowance Recorded [Member]    
Financing Receivable, Past Due [Line Items]    
Individually evaluated loans, recorded investment 517 517
Loans with an allowance recorded, related allowance $ 179 179
Consumer Loan [Member] | With No Related Allowance Recorded [Member]    
Financing Receivable, Past Due [Line Items]    
Individually evaluated loans, recorded investment   $ 8
XML 56 R45.htm IDEA: XBRL DOCUMENT v3.24.1.u1
The following tables detail the amortized cost balances of the Company’s loan portfolio presented by risk rating and origination year as of the periods presented. (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]      
Total $ 2,022,980   $ 2,024,824
Current period gross charge-offs 67 $ 1,862  
Commercial Real Estate [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 8,558   42,764
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 43,495   175,829
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 187,387   228,739
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 235,012   121,824
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 120,457   92,268
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 410,920   327,391
Revolving Loans 78,081   81,647
Revolving Loans Converted to Term Loans   9,289
Total 1,083,910   1,079,751
Current period gross charge-offs, Originated, More than Five Years before Current Fiscal Year     764
Current period gross charge-offs 414 764
Commercial Real Estate [Member] | Performing Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 8,558   42,764
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 43,495   175,829
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 187,387   228,739
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 235,012   121,824
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 120,457   92,268
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 409,885   326,044
Revolving Loans 78,081   81,647
Revolving Loans Converted to Term Loans   9,289
Total 1,082,875   1,078,404
Commercial Real Estate [Member] | Nonperforming Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 1,035   1,347
Revolving Loans  
Revolving Loans Converted to Term Loans  
Total 1,035   1,347
Commercial Real Estate [Member] | Pass (Rated 1 - 4) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 8,558   42,764
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 43,495   175,829
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 187,387   228,739
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 235,012   113,631
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 111,791   91,353
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 403,778   320,806
Revolving Loans 77,388   81,483
Revolving Loans Converted to Term Loans   9,289
Total 1,067,409   1,063,894
Commercial Real Estate [Member] | Special Mention (Rated 5) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year   180
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 174   915
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 3,684   3,237
Revolving Loans 693   164
Revolving Loans Converted to Term Loans  
Total 4,551   4,496
Commercial Real Estate [Member] | Substandard (Rated 6) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year   8,013
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 8,492  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 3,458   3,348
Revolving Loans  
Revolving Loans Converted to Term Loans  
Total 11,950   11,361
Residential Mortgage [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 11,361   59,257
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 57,844   88,660
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 91,456   94,785
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 93,618   126,362
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 124,753   54,263
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 228,341   178,587
Revolving Loans 7,904   10,401
Revolving Loans Converted to Term Loans  
Total 615,277   612,315
Residential Mortgage [Member] | Performing Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 11,361   59,257
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 57,844   88,213
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 91,010   94,290
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 93,134   125,540
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 123,881   54,263
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 225,651   175,612
Revolving Loans 7,904   10,401
Revolving Loans Converted to Term Loans  
Total 610,785   607,576
Residential Mortgage [Member] | Nonperforming Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year   447
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 446   495
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 484   822
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 872  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 2,690   2,975
Revolving Loans  
Revolving Loans Converted to Term Loans  
Total 4,492   4,739
Residential Mortgage [Member] | Pass (Rated 1 - 4) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 11,361   59,257
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 57,844   88,213
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 91,010   94,290
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 93,134   125,917
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 123,881   54,263
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 224,744   174,688
Revolving Loans 7,904   10,401
Revolving Loans Converted to Term Loans  
Total 609,878   607,029
Residential Mortgage [Member] | Substandard (Rated 6) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year   447
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 446   495
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 484   445
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 872  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 3,597   3,899
Revolving Loans  
Revolving Loans Converted to Term Loans  
Total 5,399   5,286
Home Equity Line of Credit [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 2,599   9,937
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 10,003   10,885
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 10,462   6,861
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 6,680   7,108
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 6,849   5,234
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 11,976   7,268
Revolving Loans 60,702   60,205
Revolving Loans Converted to Term Loans 2,217   2,341
Total 111,488   109,839
Home Equity Line of Credit [Member] | Performing Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 2,599   9,937
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 10,003   10,885
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 10,462   6,861
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 6,680   7,108
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 6,849   5,234
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 11,976   7,261
Revolving Loans 60,612   60,115
Revolving Loans Converted to Term Loans 2,206   2,329
Total 111,387   109,730
Home Equity Line of Credit [Member] | Nonperforming Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year   7
Revolving Loans 90   90
Revolving Loans Converted to Term Loans 11   12
Total 101   109
Home Equity Line of Credit [Member] | Pass (Rated 1 - 4) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 2,599   9,937
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 10,003   10,885
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 10,462   6,861
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 6,680   7,108
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 6,849   5,234
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 11,976   7,261
Revolving Loans 60,612   60,115
Revolving Loans Converted to Term Loans 2,206   2,329
Total 111,387   109,730
Home Equity Line of Credit [Member] | Substandard (Rated 6) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year   7
Revolving Loans 90   90
Revolving Loans Converted to Term Loans 11   12
Total 101   109
Home Equity Loan [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Current period gross charge-offs, Originated, More than Five Years before Current Fiscal Year 7    
Current period gross charge-offs 7    
Commercial and Industrial Sector [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 6,463   31,108
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 29,612   35,806
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 34,506   27,961
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 30,560   27,936
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 18,525   19,773
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 27,919   9,408
Revolving Loans 59,654   65,386
Revolving Loans Converted to Term Loans 68   69
Total 207,307   217,447
Current period gross charge-offs, Year Two, Originated, Fiscal Year before Current Fiscal Year     147
Current period gross charge-offs, Originated, More than Five Years before Current Fiscal Year     221
Current period gross charge-offs, Revolving Loans Converted to Term Loans 1   1,193
Current period gross charge-offs 1 1,413 1,561
Commercial and Industrial Sector [Member] | Performing Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 6,463   31,108
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 29,612   35,806
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 34,506   27,961
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 30,560   27,936
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 18,525   19,773
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 27,913   9,401
Revolving Loans 59,459   65,175
Revolving Loans Converted to Term Loans 68   69
Total 207,106   217,229
Commercial and Industrial Sector [Member] | Nonperforming Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 6   7
Revolving Loans 195   211
Revolving Loans Converted to Term Loans  
Total 201   218
Commercial and Industrial Sector [Member] | Pass (Rated 1 - 4) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 6,463   31,108
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 23,412   35,705
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 34,411   26,553
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 30,525   19,780
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 17,998   19,765
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 25,793   8,825
Revolving Loans 53,851   57,393
Revolving Loans Converted to Term Loans 68   69
Total 192,521   199,198
Commercial and Industrial Sector [Member] | Special Mention (Rated 5) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 6,200   101
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 95  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 35  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year   8
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 2,052   498
Revolving Loans 2,266   707
Revolving Loans Converted to Term Loans  
Total 10,648   1,314
Commercial and Industrial Sector [Member] | Substandard (Rated 6) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year   1,408
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year   8,156
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 527  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 74   85
Revolving Loans 3,537   7,286
Revolving Loans Converted to Term Loans  
Total 4,138   16,935
Consumer Loan [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 299   2,168
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 1,895   1,381
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 1,205   524
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 449   241
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 163   68
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 217   278
Revolving Loans 770   812
Revolving Loans Converted to Term Loans  
Total 4,998   5,472
Current period gross charge-offs, Revolving Loans     3
Current period gross charge-offs, Revolving Loans Converted to Term Loans 59   182
Current period gross charge-offs 59 $ 35 185
Consumer Loan [Member] | Performing Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 299   2,168
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 1,895   1,381
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 1,205   524
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 449   241
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 163   68
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 210   271
Revolving Loans 769   811
Revolving Loans Converted to Term Loans  
Total 4,990   5,464
Consumer Loan [Member] | Nonperforming Financial Instruments [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 7   7
Revolving Loans 1   1
Revolving Loans Converted to Term Loans  
Total 8   8
Consumer Loan [Member] | Pass (Rated 1 - 4) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 299   2,168
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 1,895   1,381
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 1,205   524
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 449   241
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 163   68
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 210   270
Revolving Loans 770   812
Revolving Loans Converted to Term Loans  
Total 4,991   5,464
Consumer Loan [Member] | Substandard (Rated 6) [Member]      
Financing Receivable, Credit Quality Indicator [Line Items]      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 7   8
Revolving Loans  
Revolving Loans Converted to Term Loans  
Total $ 7   $ 8
XML 57 R46.htm IDEA: XBRL DOCUMENT v3.24.1.u1
LOANS AND ALLOWANCE FOR CREDIT LOSSES (Details Narrative)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
USD ($)
$ / Loan
Mar. 31, 2023
USD ($)
Dec. 31, 2023
USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Serviced commercial loans for participants $ 59,100   $ 65,000
Weighted average prepayment speed, PSA 104.00%    
Weighted average internal rate of return 10.01%    
Weighted average servicing fee percentage 0.25%    
Net cost to service loans | $ / Loan 83.38    
Mortgage loans serviced for others $ 71,400   72,300
Servicing fee income 44 $ 50  
Accrued interest receivable on loans held for investment $ 7,600   7,500
First mortgages maximum loan-to-value percentage, owner-occupied homes 97.00%    
First mortgages maximum loan-to-value percentage, second homes 90.00%    
First mortgages maximum loan-to-value percentage, investment properties 85.00%    
Loan-to-value ratio requiring private mortgage insurance 80.00%    
Residential equity loans and lines maximum percentage of appraised value underwritten 85.00%    
Provision for credit losses $ 550 388  
Provision for loan losses 450 232  
Reversal for credit losses for off-balance sheet exposures 100 $ 156  
Total loans $ 2,022,980   $ 2,024,824
Total past due, percentage of total loans 0.23%   0.30%
Nonaccrual loans $ 5,837   $ 6,421
Nonaccrual loans, percentage of total loans 0.29%   0.32%
Individually evaluated loans $ 15,651   $ 29,718
Financial Asset, Past Due [Member]      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Total loans 4,716   5,999
Unfunded Loan Commitment [Member]      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Decrease in unfunded commitments $ 12,400    
Percentage of decrease in off-balance sheet exposure 7.60%    
Total unfunded loan commitments $ 149,900   $ 162,300
Commercial Loan [Member]      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Individually evaluated loans 822    
Real Estate Loan [Member]      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Individually evaluated loans $ 14,800    
XML 58 R47.htm IDEA: XBRL DOCUMENT v3.24.1.u1
GOODWILL AND OTHER INTANGIBLES (Details Narrative) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Finite-Lived Intangible Assets [Line Items]    
Amortization of core deposit intangible $ 94 $ 94
Core Deposits [Member]    
Finite-Lived Intangible Assets [Line Items]    
Acquired core deposit intangible $ 4,500  
Amortization period of core deposit intangible 12 years  
Future amortization of core deposit intangible assets years 1-4 $ 375  
Future amortization of core deposit intangible assets thereafter $ 219  
XML 59 R48.htm IDEA: XBRL DOCUMENT v3.24.1.u1
The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows: (Details) - LTI Plan for 2021 [Member]
 12 Months Ended
Dec. 31, 2021
$ / shares
Threshold [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2021 5.63%
December 31, 2022 5.85%
December 31, 2023 6.08%
Three-year Cumulative Diluted Earnings Per Share $ 1.58
Target [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2021 6.25%
December 31, 2022 6.50%
December 31, 2023 6.75%
Three-year Cumulative Diluted Earnings Per Share $ 1.97
Stretch [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2021 7.50%
December 31, 2022 7.80%
December 31, 2023 8.10%
Three-year Cumulative Diluted Earnings Per Share $ 2.36
XML 60 R49.htm IDEA: XBRL DOCUMENT v3.24.1.u1
The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows: (Details) - LTI Plan for 2022 [Member]
 12 Months Ended
Dec. 31, 2022
$ / shares
Threshold [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2022 7.79%
December 31, 2023 7.93%
December 31, 2024 8.03%
Three-year Cumulatzive Diluted Earnings Per Share $ 2.35
Target [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2022 8.20%
December 31, 2023 8.35%
December 31, 2024 8.45%
Three-year Cumulatzive Diluted Earnings Per Share $ 2.61
Stretch [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2022 8.61%
December 31, 2023 8.77%
December 31, 2024 8.87%
Three-year Cumulatzive Diluted Earnings Per Share $ 2.85
XML 61 R50.htm IDEA: XBRL DOCUMENT v3.24.1.u1
The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows: (Details) - LTI Plan for 2023 [Member]
 12 Months Ended
Dec. 31, 2023
$ / shares
Threshold [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2023 8.00%
December 31, 2024 8.75%
December 31, 2025 9.00%
Three-year Cumulative Diluted Earnings Per Share $ 2.39
Target [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2023 8.45%
December 31, 2024 9.25%
December 31, 2025 9.50%
Three-year Cumulative Diluted Earnings Per Share $ 2.65
Stretch [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2023 8.85%
December 31, 2024 9.75%
December 31, 2025 10.00%
Three-year Cumulative Diluted Earnings Per Share $ 2.89
XML 62 R51.htm IDEA: XBRL DOCUMENT v3.24.1.u1
The threshold, target and stretch metrics under the 2024 Incentive Plan are as follows: (Details) - LTI Plan for 2024 [Member]
 3 Months Ended
Mar. 31, 2024
$ / shares
Threshold [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2024 5.05%
December 31, 2025 6.18%
December 31, 2026 7.30%
Three-year Cumulative Diluted Earnings Per Share $ 2.25
Target [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2024 5.61%
December 31, 2025 6.86%
December 31, 2026 8.11%
Three-year Cumulative Diluted Earnings Per Share $ 2.50
Stretch [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2024 6.17%
December 31, 2025 7.55%
December 31, 2026 8.92%
Three-year Cumulative Diluted Earnings Per Share $ 2.75
XML 63 R52.htm IDEA: XBRL DOCUMENT v3.24.1.u1
A summary of the status of restricted stock awards at March 31, 2024 and 2023 is presented below: (Details) - Restricted Stock [Member] - $ / shares
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]    
Beginning balance 220,635 206,092
Beginning balance $ 9.29 $ 8.85
Shares granted 187,049 158,957
Shares granted $ 8.38 $ 9.79
Shares vested (69,376) (59,270)
Shares vested $ 8.34 $ 9.11
Ending balance 338,308 305,779
Ending balance $ 8.98 $ 9.29
XML 64 R53.htm IDEA: XBRL DOCUMENT v3.24.1.u1
SHARE-BASED COMPENSATION (Details Narrative) - USD ($)
$ in Thousands
 1 Months Ended 3 Months Ended
Mar. 31, 2024
Dec. 31, 2023
Mar. 31, 2023
Mar. 31, 2022
May 31, 2021
Mar. 31, 2024
Mar. 31, 2023
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Restricted stock expense           $ 505 $ 529
LTI Plan for 2021 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares granted         122,362    
LTI Plan for 2022 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares granted       137,151      
LTI Plan for 2023 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares granted     139,196        
LTI Plan for 2024 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares granted 167,878            
2021 Omnibus Plan [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares available for grant 121,203         121,203  
2021 Omnibus Plan [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares authorized         700,000    
Share-Based Payment Arrangement [Member] | Share-Based Payment Arrangement, Employee [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period           3 years  
Share-Based Payment Arrangement [Member] | Share-Based Payment Arrangement, Nonemployee [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period           1 year  
Time Based Shares [Member] | LTI Plan for 2021 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period         3 years    
Shares granted         61,181    
Time Based Shares [Member] | LTI Plan for 2022 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares granted       77,463      
Time Based Shares [Member] | LTI Plan for 2022 [Member] | Share-Based Payment Arrangement, Tranche One [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period       1 year      
Shares granted       17,775      
Time Based Shares [Member] | LTI Plan for 2022 [Member] | Share-Based Payment Arrangement, Tranche Two [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period       3 years      
Shares granted       59,688      
Time Based Shares [Member] | LTI Plan for 2023 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares granted     78,697        
Time Based Shares [Member] | LTI Plan for 2023 [Member] | Share-Based Payment Arrangement, Tranche One [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period     1 year        
Shares granted     18,198        
Time Based Shares [Member] | LTI Plan for 2023 [Member] | Share-Based Payment Arrangement, Tranche Two [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period     3 years        
Shares granted     60,499        
Time Based Shares [Member] | LTI Plan for 2024 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares granted 94,667            
Time Based Shares [Member] | LTI Plan for 2024 [Member] | Share-Based Payment Arrangement, Tranche One [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period 1 year            
Shares granted 21,456            
Time Based Shares [Member] | LTI Plan for 2024 [Member] | Share-Based Payment Arrangement, Tranche Two [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period 3 years            
Shares granted 73,211            
Performance Shares [Member] | LTI Plan for 2021 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period         3 years    
Shares granted   50,205     61,181    
Vesting percentage         50.00%    
Performance based shares eligible for vest   69,376          
Performance Shares [Member] | LTI Plan for 2022 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period       3 years      
Shares granted       59,688      
Vesting percentage       50.00%      
Performance Shares [Member] | LTI Plan for 2023 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period     3 years        
Shares granted     60,499        
Vesting percentage     50.00%        
Performance Shares [Member] | LTI Plan for 2024 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period 3 years            
Shares granted 73,211            
Vesting percentage 50.00%            
XML 65 R54.htm IDEA: XBRL DOCUMENT v3.24.1.u1
SHORT-TERM BORROWINGS AND LONG-TERM DEBT (Details Narrative) - USD ($)
Mar. 31, 2024
Dec. 31, 2023
Debt Instrument [Line Items]    
Other borrowings $ 6,700,000 $ 6,100,000
Weighted average rate for other borrowings 5.33% 5.33%
Short term borrowings $ 11,470,000 $ 16,100,000
Federal Home Loan Bank Advances [Member]    
Debt Instrument [Line Items]    
Long-term Debt $ 30,600,000 $ 30,600,000
Weighted average fixed rate 4.81% 4.81%
FRB Bank Term Funding Program [Member]    
Debt Instrument [Line Items]    
Long-term Debt $ 90,000,000 $ 90,000,000
Weighted average fixed rate 4.71% 4.71%
Line of Credit [Member]    
Debt Instrument [Line Items]    
Line of credit available $ 9,500,000 $ 9,500,000
FRB Discount Window [Member]    
Debt Instrument [Line Items]    
Line of credit available 72,200,000  
Correspondent Banks [Member]    
Debt Instrument [Line Items]    
Line of credit available 15,000,000 15,000,000
Bank [Member]    
Debt Instrument [Line Items]    
Line of credit available 10,000,000 10,000,000
Federal Home Loan Bank Borrowings [Member]    
Debt Instrument [Line Items]    
Short term borrowings $ 4,800,000 $ 10,000,000
Weighted average rate 5.54% 5.56%
Borrowing capacity $ 508,100,000  
XML 66 R55.htm IDEA: XBRL DOCUMENT v3.24.1.u1
SUBORDINATED DEBT (Details Narrative) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Apr. 20, 2021
Debt Instrument [Line Items]      
Amortization of subordinated debt issuance costs $ 10 $ 9  
Subordinated Debt [Member]      
Debt Instrument [Line Items]      
Principal amount     $ 20,000
Principal amount outstanding   19,700  
Maturity Date May 01, 2031    
Earliest redemption date May 01, 2026    
Issuance costs $ 278    
Amortization of subordinated debt issuance costs $ 10 $ 9  
Subordinated Debt [Member] | Debt Instrument, Redemption, Period One [Member]      
Debt Instrument [Line Items]      
Interest rate 4.875%    
Subordinated Debt [Member] | Debt Instrument, Redemption, Period Two [Member]      
Debt Instrument [Line Items]      
Benchmark rate 90-day average secured overnight financing rate    
Interest rate basis spread 4.12%    
XML 67 R56.htm IDEA: XBRL DOCUMENT v3.24.1.u1
As of March 31, 2024 and December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges: (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Derivatives, Fair Value [Line Items]    
Carrying Amount of Hedged Assets/(Liabilities) $ 199,192 $ 199,393
Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities) (808) (607)
Loans [Member]    
Derivatives, Fair Value [Line Items]    
Carrying Amount of Hedged Assets/(Liabilities) 199,192 199,393
Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities) $ (808) $ (607)
XML 68 R57.htm IDEA: XBRL DOCUMENT v3.24.1.u1
The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of March 31, 2024 and December 31, 2023. (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Derivative [Line Items]    
Derivative Asset, Statement of Financial Position [Extensible Enumeration] Other assets Other assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration] Other liabilities Other liabilities
Designated as Hedging Instrument [Member] | Interest Rate Swap [Member] | Fair Value Hedging [Member]    
Derivative [Line Items]    
Fair value of derivative assets $ 845 $ 651
Fair value of derivative liability
Not Designated as Hedging Instrument [Member]    
Derivative [Line Items]    
Fair value of derivative assets 6,720 5,890
Fair value of derivative liability 5,875 5,239
Not Designated as Hedging Instrument [Member] | Interest Rate Swap [Member] | Customer counterparties [Member]    
Derivative [Line Items]    
Fair value of derivative assets
Fair value of derivative liability 5,875 5,239
Not Designated as Hedging Instrument [Member] | Interest Rate Swap [Member] | Dealer counterparties [Member]    
Derivative [Line Items]    
Fair value of derivative assets 5,875 5,239
Fair value of derivative liability
XML 69 R58.htm IDEA: XBRL DOCUMENT v3.24.1.u1
The table below presents the effect of the Company’s fair value hedge derivative on the statements of net income as of March 31, 2024. (Details) - Interest Rate Swap [Member] - Fair Value Hedging [Member] - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]    
Total amounts of income line items presented in the statements of net income in which the effects of fair value hedges are recorded $ 443
Hedged items (6)
Derivatives designated as hedging instruments $ 449
XML 70 R59.htm IDEA: XBRL DOCUMENT v3.24.1.u1
DERIVATIVES AND HEDGING ACTIVITIES (Details Narrative) - Designated as Hedging Instrument [Member] - Fair Value Hedging [Member] - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Derivative [Line Items]    
Amortized cost basis of closed portfolios $ 454,100 $ 461,200
Cumulative basis adjustments 808 607
Notional amount $ 200,000 $ 200,000
Remaining maturity 7 months 6 days  
Average fixed rate 4.43%  
XML 71 R60.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Assets and liabilities measured at fair value on a recurring basis are summarized below: (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Assets:    
Available-for-sale securities $ 138,362 $ 137,115
Marketable equity securities 222 196
Interest rate swaps 6,720 5,890
Liabilities:    
Interest rate swaps 5,875 5,239
Fair Value, Inputs, Level 1 [Member]    
Assets:    
Available-for-sale securities
Marketable equity securities 222 196
Interest rate swaps
Liabilities:    
Interest rate swaps
Fair Value, Inputs, Level 2 [Member]    
Assets:    
Available-for-sale securities 138,362 137,115
Marketable equity securities
Interest rate swaps 6,720 5,890
Liabilities:    
Interest rate swaps 5,875 5,239
Fair Value, Inputs, Level 3 [Member]    
Assets:    
Available-for-sale securities
Marketable equity securities
Interest rate swaps
Liabilities:    
Interest rate swaps
Fair Value, Recurring [Member]    
Assets:    
Available-for-sale securities 138,362 137,115
Marketable equity securities 222 196
Interest rate swaps 6,720 5,890
Total assets 145,304 143,201
Liabilities:    
Interest rate swaps 5,875 5,239
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]    
Assets:    
Available-for-sale securities
Marketable equity securities 222 196
Interest rate swaps
Total assets 222 196
Liabilities:    
Interest rate swaps
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]    
Assets:    
Available-for-sale securities 138,362 137,115
Marketable equity securities
Interest rate swaps 6,720 5,890
Total assets 145,082 143,005
Liabilities:    
Interest rate swaps 5,875 5,239
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]    
Assets:    
Available-for-sale securities
Marketable equity securities
Interest rate swaps
Total assets
Liabilities:    
Interest rate swaps
XML 72 R61.htm IDEA: XBRL DOCUMENT v3.24.1.u1
The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2023: (Details) - Fair Value, Nonrecurring [Member] - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2023
Dec. 31, 2023
Impaired Loans [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total losses $ 2,178  
Fair Value, Inputs, Level 3 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired Loans   $ 1,100
XML 73 R62.htm IDEA: XBRL DOCUMENT v3.24.1.u1
The estimated fair values of our financial instruments are as follows: (Details) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Assets:    
Cash and cash equivalents $ 22,613 $ 28,840
Securities held-to-maturity 181,679 187,692
Securities available-for-sale 138,362 137,115
Marketable equity securities 222 196
Federal Home Loan Bank of Boston and other restricted stock 3,105 3,707
Loans - net 1,837,472 1,841,913
Accrued interest receivable 8,622 8,528
Mortgage servicing rights 707 724
    Derivative asset 6,720 5,890
Liabilities:    
Deposits 2,140,561 2,140,930
Short-term borrowings 11,459 16,100
Long-term debt 120,459 120,460
Subordinated debt 17,281 17,938
Accrued interest payable 4,414 3,310
Derivative liabilities 5,875 5,239
Fair Value, Inputs, Level 1 [Member]    
Assets:    
Cash and cash equivalents 22,613 28,840
Securities held-to-maturity 9,463 9,450
Securities available-for-sale
Marketable equity securities 222 196
Federal Home Loan Bank of Boston and other restricted stock
Loans - net
Accrued interest receivable
Mortgage servicing rights
    Derivative asset
Liabilities:    
Deposits
Short-term borrowings
Long-term debt
Subordinated debt
Accrued interest payable
Derivative liabilities
Fair Value, Inputs, Level 2 [Member]    
Assets:    
Cash and cash equivalents
Securities held-to-maturity 172,216 178,242
Securities available-for-sale 138,362 137,115
Marketable equity securities
Federal Home Loan Bank of Boston and other restricted stock
Loans - net
Accrued interest receivable
Mortgage servicing rights 707 724
    Derivative asset 6,720 5,890
Liabilities:    
Deposits
Short-term borrowings 11,459 16,100
Long-term debt 120,459 120,460
Subordinated debt 17,281 17,938
Accrued interest payable
Derivative liabilities 5,875 5,239
Fair Value, Inputs, Level 3 [Member]    
Assets:    
Cash and cash equivalents
Securities held-to-maturity
Securities available-for-sale
Marketable equity securities
Federal Home Loan Bank of Boston and other restricted stock 3,105 3,707
Loans - net 1,837,472 1,841,913
Accrued interest receivable 8,622 8,528
Mortgage servicing rights
    Derivative asset
Liabilities:    
Deposits 2,140,561 2,140,930
Short-term borrowings
Long-term debt
Subordinated debt
Accrued interest payable 4,414 3,310
Derivative liabilities
Reported Value Measurement [Member]    
Assets:    
Cash and cash equivalents 22,613 28,840
Securities held-to-maturity 221,242 223,370
Securities available-for-sale 138,362 137,115
Marketable equity securities 222 196
Federal Home Loan Bank of Boston and other restricted stock 3,105 3,707
Loans - net 2,005,682 2,007,050
Accrued interest receivable 8,622 8,528
Mortgage servicing rights 400 422
    Derivative asset 6,720 5,890
Liabilities:    
Deposits 2,143,747 2,143,744
Short-term borrowings 11,470 16,100
Long-term debt 120,646 120,646
Subordinated debt 19,722 19,712
Accrued interest payable 4,414 3,310
Derivative liabilities $ 5,875 $ 5,239
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MA 73-1627673 141 Elm Street Westfield MA 01086 (413) 568-1911 Common Stock, $0.01 par value per share WNEB NASDAQ Yes Yes Accelerated Filer true false false 21627690 19244000 20784000 709000 2991000 2660000 5065000 22613000 28840000 138362000 137115000 181679000 187692000 221242000 223370000 222000 196000 3105000 3707000 19884000 20267000 2005682000 2007050000 24968000 25575000 8622000 8528000 75598000 75145000 14278000 13636000 12487000 12487000 1719000 1813000 28338000 27109000 2557236000 2564571000 559928000 579594000 1583819000 1564150000 2143747000 2143744000 11470000 16100000 120646000 120646000 19722000 19712000 25855000 26960000 2321440000 2327162000 0.01 0.01 5000000 5000000 0 0 0.01 0.01 75000000 75000000 21627690 21627690 21666807 21666807 216000 217000 125213000 125448000 2272000 2394000 2174000 1111000 138450000 136993000 -23637000 -21744000 235796000 237409000 2557236000 2564571000 20953000 18252000 3205000 3002000 83000 75000 2112000 2076000 1000 2000 1000 71000 136000 106000 113000 54000 26604000 23638000 9293000 4103000 283000 703000 1428000 74000 254000 254000 11258000 5134000 15346000 18504000 -550000 -388000 15896000 18892000 2219000 2187000 453000 440000 -6000 8000 352000 2674000 2979000 8244000 8431000 1363000 1348000 484000 486000 862000 753000 699000 514000 552000 490000 569000 757000 410000 352000 349000 417000 1250000 1348000 14782000 14896000 3788000 6975000 827000 1671000 2961000 5304000 0.14 0.24 21180968 21699042 0.14 0.24 21271323 21716869 0.07 0.07 2961000 5304000 -2536000 2616000 -2536000 2616000 -643000 675000 -1893000 1941000 -1893000 1941000 1068000 7245000 22216789 222000 128899000 -2906000 -1012000 127982000 -25042000 228143000 9000 9000 5304000 1941000 7245000 74993 52000 128000 180000 529000 529000 19761 180000 -180000 143896 1000 1350000 1351000 136454 1000 1348000 -1349000 2742 -27000 27000 0.07 1533000 1533000 22209347 222000 129156000 -2778000 -2039000 131762000 -23101000 233222000 21666807 217000 125448000 -2394000 -1111000 136993000 -21744000 237409000 2961000 -1893000 1068000 71240 30000 122000 152000 152000 505000 505000 4219 -35000 35000 221947 3000 1831000 1834000 182830 2000 1531000 -1533000 0.07 1504000 1504000 21627690 216000 125213000 -2272000 -2174000 138450000 -23637000 235796000 13000 4000 2961000 5304000 -550000 -388000 560000 562000 -71000 72000 94000 94000 291000 330000 103000 106000 10000 9000 505000 529000 152000 180000 8000 -6000 453000 440000 94000 -131000 1207000 1424000 -1127000 -11043000 1172000 -5978000 1100000 3126000 3065000 9362000 5374000 2949000 -1895000 15770000 -602000 3821000 -19000 -2000 12000 566000 -13575000 3000 -72315000 -4630000 57640000 30000000 1504000 1533000 1834000 1351000 -7965000 12441000 -6227000 -7112000 28840000 30342000 22613000 23230000 10153000 4984000 627000 3077000 <p id="xdx_807_eus-gaap--BusinessDescriptionAndAccountingPoliciesTextBlock_zPtHaffkOeEl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>1. <span id="xdx_820_zoNIBvo2wob7">SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_843_eus-gaap--NatureOfOperations_zrjnxZzV1sm4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_862_zLnA1Q7Y2QSd">Nature of Operations and Basis of Presentation</span></b>. Western New England Bancorp, Inc. (“WNEB,” “Company,” “we,” or “us”) is a Massachusetts-chartered stock holding company for Westfield Bank, a federally-chartered savings bank (“Bank”).</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Bank operates <span id="xdx_900_ecustom--NumberOfBankingOfficesInWhichBankOperates_iI_c20240331_zGxAhd6jbyld" title="Number of banking offices in which bank operates">25</span> banking offices in Hampden County and Hampshire County in western Massachusetts and Hartford County and Tolland County in northern Connecticut, and its primary sources of revenue are interest income from loans as well as interest income from investment securities. The West Hartford Financial Services Center serves as the Company’s Connecticut hub, housing Commercial Lending, Cash Management and a Mortgage Loan Officer. The Bank’s deposits are insured up to the maximum Federal Deposit Insurance Corporation (“FDIC”) coverage limits.</span></p> <p id="xdx_858_zb4KMN0vN4nh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_84F_eus-gaap--BusinessCombinationsPolicy_z2yDexlJ1N82" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86E_zytsZjP0YMei">Wholly-owned Subsidiaries</span></b>. Elm Street Securities Corporation, WFD Securities, Inc. and CSB Colts, Inc., are Massachusetts-chartered securities corporations, formed for the primary purpose of holding qualified securities. WB Real Estate Holdings, LLC is a Massachusetts-chartered limited liability company that holds real property acquired as security for debts previously contracted by the Bank.</span></p> <p id="xdx_85A_zmNWgqU6m2Bb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_845_eus-gaap--ConsolidationPolicyTextBlock_znxzFrOHXe98" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_864_zJv0jiH0egNc">Principles of Consolidation</span></b>. The consolidated financial statements include the accounts of Western New England Bancorp, Inc., the Bank, CSB Colts, Inc., Elm Street Securities Corporation, WB Real Estate Holdings, LLC and WFD Securities, Inc. All material intercompany balances and transactions have been eliminated in consolidation.</span></p> <p id="xdx_85F_zLRugirE3xrc" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_848_eus-gaap--UseOfEstimates_zSGD0WfucHZ5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86F_zR6hmhF6yaVc">Estimates</span></b>. The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of income and expenses for each. Actual results could differ from those estimates. Estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for credit losses and goodwill impairment.</span></p> <p id="xdx_854_z8COUr9D7byf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_847_eus-gaap--BasisOfAccountingPolicyPolicyTextBlock_ztfqOp2072kh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_867_z1zAzKxcOCD7">Basis of Presentation</span>.</b> In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation of our financial condition as of March 31, 2024, and the results of operations, changes in shareholders’ equity and cash flows for the interim periods presented. The results of operations for the three months ended March 31, 2024 are not necessarily indicative of the results of operations for the year ending December 31, 2024. Certain information and disclosures normally included in financial statements prepared in accordance with U.S. GAAP have been omitted pursuant to the rules and regulations of the Securities and Exchange Commission.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On January 1, 2023, the Company adopted ASU 2016-13 <i>Financial Instruments - Credit Losses</i> (<i>Topic326</i>): <i>Measurement of Credit Losses on Financial Instruments</i>, which requires the recognition of the allowance for credit losses be estimated using the current expected credit loss (“CECL”) methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">These unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements as of and for the year ended December 31, 2023, included in our Annual Report on Form 10-K for the year ended December 31, 2023 (the “2023 Annual Report”).</span></p> <p id="xdx_851_zF5d30NO05xk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_841_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zxmPtcmwqt9f" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_866_zd6d7euRrKUi">Reclassifications</span>. </b>Amounts in the prior period financial statements are reclassified when necessary to conform to the current year presentation.</span></p> <p id="xdx_85F_zbUh69QbjHi5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_843_eus-gaap--NatureOfOperations_zrjnxZzV1sm4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_862_zLnA1Q7Y2QSd">Nature of Operations and Basis of Presentation</span></b>. Western New England Bancorp, Inc. (“WNEB,” “Company,” “we,” or “us”) is a Massachusetts-chartered stock holding company for Westfield Bank, a federally-chartered savings bank (“Bank”).</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Bank operates <span id="xdx_900_ecustom--NumberOfBankingOfficesInWhichBankOperates_iI_c20240331_zGxAhd6jbyld" title="Number of banking offices in which bank operates">25</span> banking offices in Hampden County and Hampshire County in western Massachusetts and Hartford County and Tolland County in northern Connecticut, and its primary sources of revenue are interest income from loans as well as interest income from investment securities. The West Hartford Financial Services Center serves as the Company’s Connecticut hub, housing Commercial Lending, Cash Management and a Mortgage Loan Officer. The Bank’s deposits are insured up to the maximum Federal Deposit Insurance Corporation (“FDIC”) coverage limits.</span></p> 25 <p id="xdx_84F_eus-gaap--BusinessCombinationsPolicy_z2yDexlJ1N82" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86E_zytsZjP0YMei">Wholly-owned Subsidiaries</span></b>. Elm Street Securities Corporation, WFD Securities, Inc. and CSB Colts, Inc., are Massachusetts-chartered securities corporations, formed for the primary purpose of holding qualified securities. WB Real Estate Holdings, LLC is a Massachusetts-chartered limited liability company that holds real property acquired as security for debts previously contracted by the Bank.</span></p> <p id="xdx_845_eus-gaap--ConsolidationPolicyTextBlock_znxzFrOHXe98" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_864_zJv0jiH0egNc">Principles of Consolidation</span></b>. The consolidated financial statements include the accounts of Western New England Bancorp, Inc., the Bank, CSB Colts, Inc., Elm Street Securities Corporation, WB Real Estate Holdings, LLC and WFD Securities, Inc. All material intercompany balances and transactions have been eliminated in consolidation.</span></p> <p id="xdx_848_eus-gaap--UseOfEstimates_zSGD0WfucHZ5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86F_zR6hmhF6yaVc">Estimates</span></b>. The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of income and expenses for each. Actual results could differ from those estimates. Estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for credit losses and goodwill impairment.</span></p> <p id="xdx_847_eus-gaap--BasisOfAccountingPolicyPolicyTextBlock_ztfqOp2072kh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_867_z1zAzKxcOCD7">Basis of Presentation</span>.</b> In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation of our financial condition as of March 31, 2024, and the results of operations, changes in shareholders’ equity and cash flows for the interim periods presented. The results of operations for the three months ended March 31, 2024 are not necessarily indicative of the results of operations for the year ending December 31, 2024. Certain information and disclosures normally included in financial statements prepared in accordance with U.S. GAAP have been omitted pursuant to the rules and regulations of the Securities and Exchange Commission.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On January 1, 2023, the Company adopted ASU 2016-13 <i>Financial Instruments - Credit Losses</i> (<i>Topic326</i>): <i>Measurement of Credit Losses on Financial Instruments</i>, which requires the recognition of the allowance for credit losses be estimated using the current expected credit loss (“CECL”) methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">These unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements as of and for the year ended December 31, 2023, included in our Annual Report on Form 10-K for the year ended December 31, 2023 (the “2023 Annual Report”).</span></p> <p id="xdx_841_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zxmPtcmwqt9f" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_866_zd6d7euRrKUi">Reclassifications</span>. </b>Amounts in the prior period financial statements are reclassified when necessary to conform to the current year presentation.</span></p> <p id="xdx_804_eus-gaap--EarningsPerShareTextBlock_zvGzYTPIQCX2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>2. <span id="xdx_82B_z2ZuiJpL3tg">EARNINGS PER SHARE</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Basic earnings per share represents income available to common shareholders divided by the weighted-average number of common shares outstanding during the period. If rights to dividends on unvested awards are non-forfeitable, these unvested awards are considered outstanding in the computation of basic earnings per share. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by us relate to stock options and certain performance-based restricted stock awards and are determined using the treasury stock method. Unallocated Employee Stock Ownership Plan (“ESOP”) shares are not deemed outstanding for earnings per share calculations. There were no anti-dilutive shares outstanding during the three months ended March 31, 2024 and 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_892_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_z85meS3oKspc" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BD_zQ2iwjtJxG5i">Earnings per common share for the three months ended March 31, 2024 and 2023 have been computed based on the following:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20240101__20240331_zFqUQRvbz7q7" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td colspan="2" id="xdx_497_20230101__20230331_zeNOamTzqvT" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">March 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands, except per share data)</td><td> </td></tr> <tr id="xdx_408_eus-gaap--NetIncomeLoss_zUNtZOqcAYJ4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 54%; font-weight: bold; text-align: left; padding-bottom: 2.5pt">Net income applicable to common stock</td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">2,961</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">5,304</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--WeightedAverageNumberOfSharesIssuedBasic_pn3n3_maCzqO2_zKbq7eix6JUc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Average number of common shares issued</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,640</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,220</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--WeightedAverageNumberOfSharesEmployeeStockOwnershipPlanSharesNotCommittedToBeReleased_iN_pn3n3_di_msCzqO2_zZbFuSgTtiyl" style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8.8pt">Less: Average unallocated ESOP Shares</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(291</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(367</td><td style="text-align: left">)</td></tr> <tr id="xdx_40B_eus-gaap--WeightedAverageNumberOfSharesContingentlyIssuable_iN_pn3n3_di_msCzqO2_z3XZOWPn8dGj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -3.95pt; padding-left: 12.75pt">Less: Average unvested performance-based equity incentive plan shares</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(168</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(154</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_ecustom--AverageNumberOfCommonSharesOutstandingUsedToCalculateBasicEarningsPerCommonShare_iT_pn3n3_maCzIgu_mtCzqO2_zJ4Maa5TveH" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Average number of common shares outstanding used to calculate basic earnings per common share</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,181</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,699</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 1.1pt; padding-left: 8.8pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_pn3n3_uShares_maCzIgu_z2JwMzzRXRSa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -7.85pt; padding-left: 7.85pt">Effect of dilutive performance-based equity incentive plan shares</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">90</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">18</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--AverageNumberOfCommonSharesOutstandingUsedToCalculateDilutedEarningsPerCommonShare_iT_pn3n3_mtCzIgu_zWD8Rn3VkOK" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.125in">Average number of common shares outstanding used to calculate diluted earnings per common share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">21,271</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">21,717</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--EarningsPerShareBasic_pp2p0_zlVdu6gJ6Vnc" style="vertical-align: bottom; background-color: White"> <td>Basic earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.14</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.24</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--EarningsPerShareDiluted_pp2p0_zLr7CMWs1V3k" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Diluted earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.14</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.24</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AF_zVEf3xBGBBBi" style="margin-top: 0; margin-bottom: 0"> </p> <p id="xdx_892_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_z85meS3oKspc" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BD_zQ2iwjtJxG5i">Earnings per common share for the three months ended March 31, 2024 and 2023 have been computed based on the following:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20240101__20240331_zFqUQRvbz7q7" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td colspan="2" id="xdx_497_20230101__20230331_zeNOamTzqvT" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">March 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands, except per share data)</td><td> </td></tr> <tr id="xdx_408_eus-gaap--NetIncomeLoss_zUNtZOqcAYJ4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 54%; font-weight: bold; text-align: left; padding-bottom: 2.5pt">Net income applicable to common stock</td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">2,961</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">5,304</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--WeightedAverageNumberOfSharesIssuedBasic_pn3n3_maCzqO2_zKbq7eix6JUc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Average number of common shares issued</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,640</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,220</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--WeightedAverageNumberOfSharesEmployeeStockOwnershipPlanSharesNotCommittedToBeReleased_iN_pn3n3_di_msCzqO2_zZbFuSgTtiyl" style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8.8pt">Less: Average unallocated ESOP Shares</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(291</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(367</td><td style="text-align: left">)</td></tr> <tr id="xdx_40B_eus-gaap--WeightedAverageNumberOfSharesContingentlyIssuable_iN_pn3n3_di_msCzqO2_z3XZOWPn8dGj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -3.95pt; padding-left: 12.75pt">Less: Average unvested performance-based equity incentive plan shares</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(168</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(154</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_ecustom--AverageNumberOfCommonSharesOutstandingUsedToCalculateBasicEarningsPerCommonShare_iT_pn3n3_maCzIgu_mtCzqO2_zJ4Maa5TveH" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Average number of common shares outstanding used to calculate basic earnings per common share</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,181</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,699</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 1.1pt; padding-left: 8.8pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_pn3n3_uShares_maCzIgu_z2JwMzzRXRSa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -7.85pt; padding-left: 7.85pt">Effect of dilutive performance-based equity incentive plan shares</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">90</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">18</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--AverageNumberOfCommonSharesOutstandingUsedToCalculateDilutedEarningsPerCommonShare_iT_pn3n3_mtCzIgu_zWD8Rn3VkOK" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.125in">Average number of common shares outstanding used to calculate diluted earnings per common share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">21,271</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">21,717</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--EarningsPerShareBasic_pp2p0_zlVdu6gJ6Vnc" style="vertical-align: bottom; background-color: White"> <td>Basic earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.14</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.24</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--EarningsPerShareDiluted_pp2p0_zLr7CMWs1V3k" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Diluted earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.14</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.24</td><td style="text-align: left"> </td></tr> </table> 2961000 5304000 21640000 22220000 291000 367000 168000 154000 21181000 21699000 90000 18000 21271000 21717000 0.14 0.24 0.14 0.24 <p id="xdx_801_eus-gaap--ComprehensiveIncomeNoteTextBlock_zAPEdUCgFb36" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>3. <span id="xdx_826_z2EU7FdIF23b">COMPREHENSIVE INCOME (LOSS)</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income (loss).</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89C_eus-gaap--ScheduleOfComprehensiveIncomeLossTableTextBlock_zE8iRnDnmwBj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B7_zvf2qFYj7Vbk">The components of accumulated other comprehensive loss included in shareholders’ equity are as follows:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_491_20240331_zYtG8V30pX3k" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">March 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_491_20231231_zsYT5q8y4nzf" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_405_eus-gaap--AociBeforeTaxAttributableToParent_iI_pn3n3_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_maCzlsU_zbZbIYg1UJOk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 62%; text-align: left">Net unrealized losses on available-for-sale securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 14%; text-align: right">(31,702</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 14%; text-align: right">(29,166</td><td style="width: 1%; text-align: left">)</td></tr> <tr id="xdx_40D_eus-gaap--AociTaxAttributableToParent_iNI_di_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_msCzlsU_zGuiffIb7aD6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 17.55pt">Tax effect</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8,065</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">7,422</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_mtCzlsU_zApXewB6vgsc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: 15.45pt"> Net-of-tax amount</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(23,637</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(21,744</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_z83OAfLN4Sa7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Accumulated other comprehensive loss</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(23,637</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(21,744</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> <p id="xdx_8AE_zP1e5DJ0IdD3" style="margin-top: 0; margin-bottom: 0"> </p> <p id="xdx_89C_eus-gaap--ScheduleOfComprehensiveIncomeLossTableTextBlock_zE8iRnDnmwBj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B7_zvf2qFYj7Vbk">The components of accumulated other comprehensive loss included in shareholders’ equity are as follows:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_491_20240331_zYtG8V30pX3k" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">March 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_491_20231231_zsYT5q8y4nzf" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_405_eus-gaap--AociBeforeTaxAttributableToParent_iI_pn3n3_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_maCzlsU_zbZbIYg1UJOk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 62%; text-align: left">Net unrealized losses on available-for-sale securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 14%; text-align: right">(31,702</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 14%; text-align: right">(29,166</td><td style="width: 1%; text-align: left">)</td></tr> <tr id="xdx_40D_eus-gaap--AociTaxAttributableToParent_iNI_di_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_msCzlsU_zGuiffIb7aD6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 17.55pt">Tax effect</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8,065</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">7,422</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_mtCzlsU_zApXewB6vgsc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: 15.45pt"> Net-of-tax amount</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(23,637</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(21,744</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_z83OAfLN4Sa7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Accumulated other comprehensive loss</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(23,637</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(21,744</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> -31702000 -29166000 -8065000 -7422000 -23637000 -21744000 -23637000 -21744000 <p id="xdx_80D_eus-gaap--InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_zIYtlt1vUC48" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font: 10pt Times New Roman, Times, Serif"><b>4.     <span id="xdx_82E_zY5EMppgITN1">INVESTMENT SECURITIES</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_892_eus-gaap--MarketableSecuritiesTextBlock_z3pYKK4FGs4g" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available-for-sale and held-to-maturity investment securities at March 31, 2024 and December 31, 2023 are summarized as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">March 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized <br/> Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross <br/> Unrealized<br/> Gains</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross<br/> Unrealized<br/> Losses</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Available-for-sale securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: 8pt">Government-sponsored enterprise obligations</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z8X2j4vCUznl" style="width: 10%; text-align: right" title="Available-for-sale securities, amortized cost">14,927</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zQUYlmVGzDad" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0747">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z8rpzmluhZlb" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized losses">(3,095</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zW6DKqNVbLtl" style="width: 10%; text-align: right" title="Available-for-sale securities, at fair value">11,832</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt">State and municipal bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zdzNo7PWaSzi" style="text-align: right" title="Available-for-sale securities, amortized cost">135</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zQeM6lp1tmW5" style="text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0755">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z2JvsHIEJ0te" style="text-align: right" title="Available-for-sale securities, gross unrealized losses">(1</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z2EivwQh2SUe" style="text-align: right" title="Available-for-sale securities, at fair value">134</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 8.1pt">Corporate bonds</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zcfFvLzRqwW8" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">5,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zeFxyytg0Ic7" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0763">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zhvxHyJxM09j" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(929</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zZZ3LX9bwuUg" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">4,071</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.9pt; padding-left: 0.2in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zpxhD43wPPUb" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">20,062</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zboUwJuoQ2ll" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0771">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z5W4LHBDZavb" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(4,025</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z6jTrLzFkWRh" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">16,037</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right; text-indent: 8.05pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8.05pt; padding-left: 0.05pt">Government-sponsored mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zdmuPiCbLpEj" style="text-align: right" title="Available-for-sale securities, amortized cost">143,410</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zXQXIrAafdLh" style="text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0779">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_znl0Vyr2U652" style="text-align: right" title="Available-for-sale securities, gross unrealized losses">(26,321</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zUKnzVf1yum3" style="text-align: right" title="Available-for-sale securities, at fair value">117,089</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -17.1pt; padding-left: 17.1pt"> U.S. government guaranteed mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zLLSngRn6qz8" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">6,592</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z8rlKRI3mdi2" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0787">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z60jfA8upcx" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(1,356</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zbJ044TMjn2k" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">5,236</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: 8.05pt; padding-left: 0.1in">Total mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z0uLdLDv6xIl" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">150,002</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zUzwloMTMmcc" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0795">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zBy28ye3hLS3" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(27,677</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zLbaTyCONV2j" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">122,325</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.3in">Total available-for-sale</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_maAmortCost_c20240331_zOvipXUQiMp7" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">170,064</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_maUnrealGain_c20240331_z8PVy1v1CB53" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0803">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_maUnrealLoss_c20240331_zscOxZhCM3La" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(31,702</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_maFairVal_c20240331_zBmibuBuwQsb" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">138,362</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left">Held-to-maturity securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 9pt">U.S. Treasury securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zDt1ayR6bBmd" style="text-align: right">9,997</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z5UoCbqsjfTd" style="text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0810">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zAcSAH0H25w9" style="text-align: right">(534</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zVtQaS5AUdJb" style="text-align: right">9,463</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9pt">U.S. government guaranteed obligations</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zHaFCnPKMRyf" style="border-bottom: Black 1pt solid; text-align: right">1,100</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zXfmh6A2S9Ld" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">3</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_z6qljXN51jR5" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0816">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zjoWTNUGD1S6" style="border-bottom: Black 1pt solid; text-align: right">1,103</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.9pt; padding-left: 0.2in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zCZS5jnbNbLk" style="border-bottom: Black 1pt solid; text-align: right">11,097</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zJ8kZPsWQYSh" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">3</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z8OfXK0eGwxc" style="border-bottom: Black 1pt solid; text-align: right">(534</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zU1kjgIU39b" style="border-bottom: Black 1pt solid; text-align: right">10,566</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.2in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 8.05pt; padding-left: 0.05pt">Government-sponsored mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zjy1JlRfMdxf" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">210,145</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zT3fhoLuf7Q2" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">36</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zXnb9YDWrux1" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(39,068</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z2xiHaCzQ4v1" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">171,113</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: 8.05pt; padding-left: 0.1in">Total mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zr6lOopw4FY6" style="border-bottom: Black 1pt solid; text-align: right">210,145</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zQF36KO377Kk" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">36</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zCx2PNsTNXH6" style="border-bottom: Black 1pt solid; text-align: right">(39,068</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zXD0c29vj0nl" style="border-bottom: Black 1pt solid; text-align: right">171,113</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8.05pt; padding-left: 0.1in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: 13.5pt"> Total held-to-maturity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_maAmortCost_c20240331_zI03xtwC1dx" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">221,242</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_maUnrealGain_c20240331_z2lQWqNwqlYb" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">39</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_maUnrealLoss_c20240331_zwo5MjyeOZG9" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(39,602</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_maFairVal_c20240331_zQ2qFtimPSwl" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">181,679</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></p></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss_iTI_pn3n3_mtAmortCost_c20240331_zHwmbMihdsH2" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, amortized cost">391,306</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain_iTI_pn3n3_mtUnrealGain_c20240331_zVIcLO6nv1X3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized gains">39</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss_iNTI_pn3n3_di_mtUnrealLoss_c20240331_z2r3p1KADsj6" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized losses">(71,304</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iTI_pn3n3_mtFairVal_c20240331_zcRqXeRCwkSf" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, fair value">320,041</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross <br/> Unrealized<br/> Gains</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross<br/> Unrealized <br/> Losses</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Available-for-sale securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: 8pt">Government-sponsored enterprise obligations</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zldIefc955F7" style="width: 10%; text-align: right" title="Available-for-sale securities, amortized cost">14,924</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zg3SytAbOHkh" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0856">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z84UHEQhpv1a" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized losses">(2,898</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zfslWNA9w3J6" style="width: 10%; text-align: right" title="Available-for-sale securities, at fair value">12,026</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt">State and municipal bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zGMyv7i2CCnk" style="text-align: right" title="Available-for-sale securities, amortized cost">135</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zgUCXZgET23" style="text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0864">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zNcqLloDwODf" style="text-align: right" title="Available-for-sale securities, gross unrealized losses"><span style="-sec-ix-hidden: xdx2ixbrl0866">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zLXDtCuDkyNf" style="text-align: right" title="Available-for-sale securities, at fair value">135</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 8.1pt">Corporate bonds</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zFb6GYMP35pb" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">8,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zeXO7RHxqtp8" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0872">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zN2cJQaiX7j9" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(1,038</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zdh0yP8SAZf1" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">6,962</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.9pt; padding-left: 0.2in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zcwSCIlEp1ti" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">23,059</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zr7Nn940OICi" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0880">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zumOPDM6fPmf" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(3,936</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zmIT1sifeHI4" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">19,123</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right; text-indent: 8.05pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8.05pt; padding-left: 0.05pt">Government-sponsored mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zSNgm744MdFa" style="text-align: right" title="Available-for-sale securities, amortized cost">136,533</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z3kFG2GuLoCl" style="text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0888">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zeP7yt3y29c4" style="text-align: right" title="Available-for-sale securities, gross unrealized losses">(23,976</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zjbhuLgV5M7c" style="text-align: right" title="Available-for-sale securities, at fair value">112,557</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -17.1pt; padding-left: 17.1pt"> U.S. government guaranteed mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zZLTjb8RPw1d" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">6,689</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zDFHpoHdsbE1" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0896">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z79ebIyYWpdb" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(1,254</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zCcmVDrN4ZY8" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">5,435</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: 8.05pt; padding-left: 0.1in">Total mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zH4MKbFFZiCc" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">143,222</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z7LbArIvya77" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0904">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zkdaO3zJLAEi" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(25,230</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zo4xOBBpL2T4" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">117,992</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.3in">Total available-for-sale</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_maAmortCost_c20231231_zz5on57C0jEh" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">166,281</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_maUnrealGain_c20231231_z9F33gxjTso1" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0912">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_maUnrealLoss_c20231231_zOraNis19ohe" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(29,166</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_maFairVal_c20231231_zfI4Kt83chT3" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">137,115</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Held-to-maturity securities:</b></span></p></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9pt">U.S. Treasury securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_znwcWa5qysC2" style="border-bottom: Black 1pt solid; text-align: right">9,995</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zh3wStqNODzk" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0919">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zlPflKc1KIg2" style="border-bottom: Black 1pt solid; text-align: right">(545</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_znOq0C55a8H2" style="border-bottom: Black 1pt solid; text-align: right">9,450</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.9pt; padding-left: 0.2in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zdhhMaHoV3Q4" style="border-bottom: Black 1pt solid; text-align: right">9,995</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zUT3aIiQFcKb" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0924">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zACFtVO1eXoa" style="border-bottom: Black 1pt solid; text-align: right">(545</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z0QmIfema5fi" style="border-bottom: Black 1pt solid; text-align: right">9,450</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 8.05pt; padding-left: 0.05pt">Government-sponsored mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zsNwOZSQNKc2" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">213,375</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z6H2vRcFUpCa" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">107</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z6z4GWkxEQO8" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(35,240</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_znpnvGr2eVHg" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">178,242</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: 8.05pt; padding-left: 0.1in">Total mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z5EGOkSxswKi" style="border-bottom: Black 1pt solid; text-align: right">213,375</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zudJTr6cHlw" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">107</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z6vPwAwEclUl" style="border-bottom: Black 1pt solid; text-align: right">(35,240</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zQ8C14ZPYSKf" style="border-bottom: Black 1pt solid; text-align: right">178,242</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 8.05pt; padding-left: 0.1in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: 13.5pt"> Total held-to-maturity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_maAmortCost_c20231231_z5mJP1NdCLv" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">223,370</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_maUnrealGain_c20231231_zjJ7AjxAJdJ1" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">107</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_maUnrealLoss_c20231231_znq712akFC58" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(35,785</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_maFairVal_c20231231_zvEQNlVqs4U3" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">187,692</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></p></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss_iTI_pn3n3_mtAmortCost_c20231231_zHGpV11mwUVf" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, amortized cost">389,651</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain_iTI_pn3n3_mtUnrealGain_c20231231_zC2QGYkPjhG1" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized gains">107</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss_iNTI_pn3n3_di_mtUnrealLoss_c20231231_zgagCN9PM6Kj" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized losses">(64,951</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iTI_pn3n3_mtFairVal_c20231231_zPfGVt4ul95k" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, fair value">324,807</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AC_zLRpyfWyBtHc" style="margin-top: 0; margin-bottom: 0"> </p> <p id="xdx_89A_eus-gaap--InvestmentsInDebtAndEquityInstrumentsCashAndCashEquivalentsUnrealizedAndRealizedGainsLossesTextBlock_zV3nBh0FmLYg" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following table presents the unrealized gains recognized on marketable equity securities for the periods indicated:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center"> </td> <td id="xdx_492_20240101__20240331_zNgMf7H6LYi1" style="text-align: center"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" id="xdx_49F_20230101__20230331_zKDXsrG84tD3" style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Three Months Ended </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>March 31</b></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_403_eus-gaap--EquitySecuritiesFvNiUnrealizedGainLoss_pn3n3_maESFNGzfsj_zM1SVgETr4Ha" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 74%; text-align: left">Net gains recognized during the period on marketable equity securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">8</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0960">—</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--EquitySecuritiesFvNiRealizedGainLoss_pn3n3_maESFNGzfsj_zU1E7TIV7L42" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Net losses recognized during the period on equity securities sold during the period</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0962">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0963">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--EquitySecuritiesFvNiGainLoss_iT_pn3n3_mtESFNGzfsj_zvsWSkAlnzV9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Unrealized gains recognized during the period on marketable equity securities still held at end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">8</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0966">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p id="xdx_8A9_z9QwocgRaWwf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At March 31, 2024, U.S. Treasury securities with a fair value of $<span id="xdx_90B_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iI_pn5n6_c20240331__us-gaap--PledgedStatusAxis__us-gaap--AssetPledgedAsCollateralMember__us-gaap--PledgingPurposeAxis__us-gaap--DepositsMember__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zh5ygy87EvUa" title="Securities fair value">9.5</span> million, government-sponsored enterprise obligations with a fair value of $<span id="xdx_905_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iI_pn5n6_c20240331__us-gaap--PledgedStatusAxis__us-gaap--AssetPledgedAsCollateralMember__us-gaap--PledgingPurposeAxis__us-gaap--DepositsMember__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z85GStPe5w9a" title="Securities fair value">7.8</span> million and mortgage-backed securities with a fair value of $<span id="xdx_90E_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iI_pn5n6_c20240331__us-gaap--PledgedStatusAxis__us-gaap--AssetPledgedAsCollateralMember__us-gaap--PledgingPurposeAxis__us-gaap--DepositsMember__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zOxgZpvw9Nfi" title="Securities fair value">169.4</span> million were pledged to secure public deposits, the Bank Term Funding Program (“BTFP”) and for other purposes as required or permitted by law. The securities collateralizing public deposits are subject to fluctuations in fair value. We monitor the fair value of the collateral on a periodic basis, and pledge additional collateral if necessary based on changes in fair value of collateral or the balances of such deposits.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_891_eus-gaap--InvestmentsClassifiedByContractualMaturityDateTableTextBlock_zTZfOkq5CSP6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"><span id="xdx_8BB_z2f2KyhQlet8">The amortized cost and fair value of available-for-sale and held-to-maturity securities at March 31, 2024, by final maturity, are shown below.</span> Actual maturities may differ from contractual maturities because certain issuers have the right to call or prepay obligations.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Available-for-Sale</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Held-to-Maturity</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; text-indent: 0.05in">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: -0.9pt; padding-left: 13.5pt">Due in one year or less</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zwwLwNAGvaS5" style="width: 10%; text-align: right" title="Available-for-sale securities, due in one year or less, amortized cost">135</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_iI_pn3n3_maAvailFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zxp6V2ZAWFf2" style="width: 10%; text-align: right" title="Available-for-sale securities, due in one year or less, fair value">134</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCost_iI_pn3n3_maHeldAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zsG7eHefkmpj" style="width: 10%; text-align: right" title="Held-to-maturity securities, due in one year or less, amortized cost">4,994</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_iI_pn3n3_maHeldFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zMUraBnc38H3" style="width: 10%; text-align: right" title="Held-to-maturity securities, due in one year or less, fair value">4,864</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.6pt">Due after one year through five years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_iI_pn3n3_maAvailAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zV6895ePuQCh" style="text-align: right" title="Available-for-sale securities, due after one year through five years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl0985">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_maAvailFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z47VDEt4prma" style="text-align: right" title="Available-for-sale securities, due after one year through five years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl0987">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost_iI_pn3n3_maHeldAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zGasomOiZHc5" style="text-align: right" title="Held-to-maturity securities, due after one year through five years, amortized cost">5,003</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_maHeldFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zTMQc7JXezP5" style="text-align: right" title="Held-to-maturity securities, due after one year through five years, fair value">4,599</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 12.75pt">Due after five years through ten years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_iI_pn3n3_maAvailAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zAPbuKwZ3E7d" style="text-align: right" title="Available-for-sale securities, due after five years through ten years, amortized cost">19,927</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_maAvailFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zrqBoWsWMDb5" style="text-align: right" title="Available-for-sale securities, due after five years through ten years, fair value">15,903</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost_iI_pn3n3_maHeldAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z4JUT8oco4He" style="text-align: right" title="Held-to-maturity securities, due after five years through ten years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl0997">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_maHeldFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zxxocVhpnvCb" style="text-align: right" title="Held-to-maturity securities, due after five years through ten years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl0999">—</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 12.75pt">Due after ten years</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_iI_pn3n3_maAvailAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z1E72qaNUKU7" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, due after ten years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1001">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_iI_pn3n3_maAvailFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z9kptV52v30h" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, due after ten years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1003">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsAmortizedCost_iI_pn3n3_maHeldAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zdVGlv6u1Ubd" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, due after ten years, amortized cost">1,100</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsFairValue_iI_pn3n3_maHeldFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z0oS1IhsQoAi" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, due after ten years, fair value">1,103</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: 17.1pt">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_989_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_mtAvailAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z5fWizV4QJZ8" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost, available for sale">20,062</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_pn3n3_mtAvailFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z1uAjXTRJee9" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value, available for sale">16,037</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98B_eus-gaap--HeldToMaturitySecurities_iTI_pn3n3_mtHeldAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zOu4SV2T12Uc" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost, held to maturity">11,097</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesFairValue_iTI_pn3n3_mtHeldFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z6AiKLi9I3Nj" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value, held to maturity">10,566</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Mortgage-backed securities:</td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: 12.75pt">Due after one year through five years</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zedNVAS4Ks5j" style="width: 10%; text-align: right">962</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zRBXf05RUJq5" style="width: 10%; text-align: right">916</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zXh7mx5Rskja" style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1018">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zNaYrDtFDx0d" style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1019">—</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.75pt">Due after five years through ten years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zM9rVAMKy38k" style="text-align: right">844</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zJpI8u8ik6u3" style="text-align: right">767</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zkCjpQkIEc5h" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1022">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_za8MgFr4I6s9" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1023">—</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 12.75pt">Due after ten years</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zVxyrLyu0F8f" style="border-bottom: Black 1pt solid; text-align: right">148,196</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zZwmDooBHUl8" style="border-bottom: Black 1pt solid; text-align: right">120,642</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsAmortizedCost_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zUZEw9w5A0W6" style="border-bottom: Black 1pt solid; text-align: right">210,145</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zWvuuF9NgEXl" style="border-bottom: Black 1pt solid; text-align: right">171,113</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> <b>Total mortgage-backed securities</b></span></td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_ziu87jjGAP9k" style="border-bottom: Black 1pt solid; text-align: right">150,002</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zf8d3kr6Yzfc" style="border-bottom: Black 1pt solid; text-align: right">122,325</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecurities_iTI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z1HeGSzLBN0h" style="border-bottom: Black 1pt solid; text-align: right">210,145</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesFairValue_iTI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zfur4AUjs42i" style="border-bottom: Black 1pt solid; text-align: right">171,113</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total securities</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_c20240331_zZqotyoVCSm" style="border-bottom: Black 2.5pt double; text-align: right">170,064</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_pn3n3_c20240331_ztQvncC1URKl" style="border-bottom: Black 2.5pt double; text-align: right">138,362</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--HeldToMaturitySecurities_iTI_pn3n3_c20240331_zqlis6JDcAoe" style="border-bottom: Black 2.5pt double; text-align: right">221,242</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesFairValue_iTI_pn3n3_c20240331_zKz0m2NFvY2c" style="border-bottom: Black 2.5pt double; text-align: right">181,679</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A7_zJK6ZRx1HvF5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">There were no sales of available-for-sale securities for the three months ended March 31, 2024 and 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Allowance for Credit Losses – Available-for-Sale Securities</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company measures expected credit losses on available-for-sale debt securities based upon the gain or loss position of the security. For available-for-sale debt securities in an unrealized loss position which the Company does not intend to sell, and it is not more likely than not that the Company will be required to sell the security before recovery of the Company’s amortized cost, the Company evaluates qualitative criteria to determine any expected loss. This includes among other items the financial health of, and specific prospects for the issuer, including whether the issuer is in compliance with the terms and covenants of the security. The Company also evaluates quantitative criteria including determining whether there has been an adverse change in expected future cash flows of the security. Available-for-sale securities which are guaranteed by government agencies do not currently have an allowance for credit loss as the Company determined these securities are either backed by the full faith and credit of the U.S. government and/or there is an unconditional commitment to make interest payments and to return the principal investment in full to investors when a debt security reaches maturity. In assessing the Company’s investments in government-sponsored and U.S. government guaranteed mortgage-backed securities and government-sponsored enterprise obligations, the contractual cash flows of these investments are guaranteed by the respective government-sponsored enterprise; Federal Home Loan Mortgage Corporation (“FHLMC”), Federal National Mortgage Association (“FNMA”), Federal Farm Credit Bank (“FFCB”), or Federal Home Loan Bank (“FHLB”). Accordingly, it is expected that the securities would not be settled at a price less than the par value of the Company’s investments. The Company will evaluate this position no less than annually, however, certain items which may cause the Company to change this methodology include legislative changes that remove a government-sponsored enterprise’s ability to draw funds from the U.S. government, or legislative changes to housing policy that reduce or eliminate the U.S. government’s implicit guarantee on such securities. Accrued interest receivable on available-for-sale securities guaranteed by government agencies totaled $<span id="xdx_90C_eus-gaap--DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_iI_pn3p0_c20240331__us-gaap--FinancialInstrumentAxis__custom--GuaranteedByGovernmentAgenciesMember_zzFesJSXzzyd" title="Accrued interest receivable on available for sale securities">360,000</span> at March 31, 2024 and $<span id="xdx_902_eus-gaap--DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_iI_pn3p0_c20231231__us-gaap--FinancialInstrumentAxis__custom--GuaranteedByGovernmentAgenciesMember_zpA0EjZFNnM9" title="Accrued interest receivable on available for sale securities">333,000</span> at December 31, 2023, and is excluded from the estimate of credit losses. If the Company does not expect to recover the entire amortized cost basis of the security, an allowance for credit losses would be recorded, with a related charge to earnings, limited by the amount of the fair value of the security less its amortized cost. If the Company intends to sell the security or it is more likely than not that the Company will be required to sell the debt security before recovery of its amortized cost basis, the Company recognizes the entire difference between the amortized cost basis of the security and its fair value in earnings. Any impairment that has not been recorded through an allowance for credit loss is recognized in other comprehensive income. Accrued interest receivable on available-for-sale debt securities not guaranteed by government agencies totaled $<span id="xdx_909_eus-gaap--DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_iI_pn3p0_c20240331__us-gaap--FinancialInstrumentAxis__custom--NotGuaranteedByGovernmentAgenciesMember_zkU61KozhS18" title="Accrued interest receivable on available for sale securities">51,000</span> at March 31, 2024 and $<span id="xdx_904_eus-gaap--DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_iI_pn3p0_c20231231__us-gaap--FinancialInstrumentAxis__custom--NotGuaranteedByGovernmentAgenciesMember_ztgRcjM0HqVe" title="Accrued interest receivable on available for sale securities">178,000</span> at December 31, 2023, and is excluded from the estimate of credit losses. There were no allowance for credit losses established on available-for-sale debt securities during the three months ended March 31, 2024.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font: 10pt Times New Roman, Times, Serif"><span style="text-decoration: underline">Allowance for Credit Losses – Held-to-Maturity Securities</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company measures expected credit losses on held-to-maturity debt securities on a collective basis by security type and risk rating where available. The reserve for each pool is calculated based on a Probability of Default/Loss Given Default basis taking into consideration the expected life of each security. Held-to-maturity securities which are issued by the United States Treasury or are guaranteed by government agencies do not currently have an allowance for credit loss as the Company determined these securities are either backed by the full faith and credit of the U.S. government and/or there is an unconditional commitment to make interest payments and to return the principal investment in full to investors when a debt security reaches maturity. In assessing the Company’s investments in government-sponsored and U.S. government guaranteed mortgage-backed securities and government-sponsored enterprise obligations, the contractual cash flows of these investments are guaranteed by the respective government-sponsored enterprise; FHLMC, FNMA, FFCB, or FHLB. Accordingly, it is expected that the securities would not be settled at a price less than the par value of the Company’s investments. The Company will evaluate this position no less than annually, however, certain items which may cause the Company to change this methodology include legislative changes that remove a government-sponsored enterprise’s ability to draw funds from the U.S. government, or legislative changes to housing policy that reduce or eliminate the U.S. government’s implicit guarantee on such securities. Any expected credit losses on held-to-maturity securities would be presented as an allowance for credit loss. Accrued interest receivable on held-to-maturity securities totaled $<span id="xdx_905_eus-gaap--DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss_iI_pn3p0_c20240331_zmhpa0hndCW3" title="Accrued interest receivable on held-to-maturity securities">482,000</span> at March 31, 2024 and $<span id="xdx_905_eus-gaap--DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss_iI_pn3p0_c20231231_zYoKnlIz3Go6" title="Accrued interest receivable on held-to-maturity securities">454,000</span> at December 31, 2023, and is excluded from the estimate of credit losses. There were no allowance for credit losses established on held-to-maturity securities during the three months ended March 31, 2024.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At March 31, 2024 and December 31, 2023, management attributed the unrealized losses to increases in current market yields compared to the yields at the time the investments were purchased by the Company and not due to credit quality. There was no credit loss during the three months ended March 31, 2024 and March 31, 2023, respectively. At March 31, 2024, there was one available-for-sale corporate bond that was rated below investment grade by one or more ratings agencies, while at December 31, 2023, there were two available-for-sale corporate bonds that were rated below investment grade by one or more ratings agencies. At March 31, 2024, the Company reviewed the financial strength of the one available-for-sale corporate bond below investment grade and concluded that the amortized cost remains supported by the expected future cash flows of the security.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_897_eus-gaap--UnrealizedGainLossOnInvestmentsTableTextBlock_zE7gGfuayl9e" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BB_z616ScoKnyfj">Information pertaining to investment securities with gross unrealized losses</span> as of March 31, 2024 and December 31, 2023 for which the Company did not recognize a provision for credit losses under CECL, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="30" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">March 31, 2024</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Less Than Twelve Months</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Over Twelve Months</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Number of Securities</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Fair Value</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Gross Unrealized Loss</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Depreciation from Amortized Cost Basis (%)</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Number of Securities</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Fair Value</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Gross Unrealized Loss</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Depreciation from Amortized Cost Basis (%)</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="30" style="text-align: center"><span style="font-size: 8pt">(Dollars in thousands)</span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span style="font-size: 8pt">Available-for-sale:</span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt; width: 12%"><span style="font-size: 8pt">Government-sponsored mortgage-backed securities</span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zJDRyFDlyTU9" style="width: 8%; text-align: right"><span style="font-size: 8pt">2</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_za92Wwh7cnv3" style="width: 8%; text-align: right"><span style="font-size: 8pt">9,295</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z2KZ4RkxxPx1" style="width: 8%; text-align: right"><span style="font-size: 8pt">13</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98F_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zQdqX4xJD94k" style="width: 8%; text-align: right"><span style="font-size: 8pt">0.1</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt">%</span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zjgIOWtveyZ4" style="width: 8%; text-align: right"><span style="font-size: 8pt">70</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_ztTsGThzp3s2" style="width: 8%; text-align: right"><span style="font-size: 8pt">107,794</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zmFuTL7MsxWg" style="width: 8%; text-align: right"><span style="font-size: 8pt">26,308</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zZNzzlNHAbzi" style="width: 8%; text-align: right"><span style="font-size: 8pt">19.6</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt">%</span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">U.S. government guaranteed mortgage-backed securities</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z2Uv1a3bRaPj" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1059">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zIOP2VQxVW1" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1060">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zMkrAkxyjf43" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1061">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zMLUpmuvM203" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1062">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zQt1eeycKSW9" style="text-align: right"><span style="font-size: 8pt">9</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z3oG4aZOQmVa" style="text-align: right"><span style="font-size: 8pt">5,236</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zKsWABlqtZai" style="text-align: right"><span style="font-size: 8pt">1,356</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_983_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zeH4zfQ2n6G3" style="text-align: right"><span style="font-size: 8pt">20.6</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">Government-sponsored enterprise obligations</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zRnwDDOCPce" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1067">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zX5Fy9xHiPAb" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1068">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z19uY9JNO7nk" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1069">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98D_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zgih8UZINsP7" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1070">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zNENL0jYM6Rd" style="text-align: right"><span style="font-size: 8pt">3</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zXMtjEpvFnh7" style="text-align: right"><span style="font-size: 8pt">11,832</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zkiYSVoI9kxb" style="text-align: right"><span style="font-size: 8pt">3,095</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_980_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zZj224WxsG91" style="text-align: right"><span style="font-size: 8pt">20.7</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">Corporate bonds</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zCNeIHzjw0Wj" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1075">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zbi4sv0yR21a" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1076">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zmJJr6YOzrLi" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1077">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98F_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_ztmrplk2zkxc" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1078">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_z1X5G1Rp7GB9" style="text-align: right"><span style="font-size: 8pt">2</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zePVzkYgxL79" style="text-align: right"><span style="font-size: 8pt">4,071</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_znGA7qSS6Yk6" style="text-align: right"><span style="font-size: 8pt">929</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_980_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_z68aoVQGxKXi" style="text-align: right"><span style="font-size: 8pt">18.6</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">State and municipal bonds</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zlhHalWMlbG" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">1</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z5Qq4xVW5CZk" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">134</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z8gDBFmC8Gkh" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">1</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_983_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_znDgyB8xMO86" style="text-align: right"><span style="font-size: 8pt">0.7</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zorMqgI4nQLc" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1087">—</span></span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zQ7KKy5IANj5" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1088">—</span></span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zPMg2HuH6BO6" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1089">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zCMOhtWQOMCa" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1090">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total available-for-sale</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20240331_zBaGxrZhXKve" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_maFV_c20240331_ztP5RBjNq2ka" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">9,429</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_maGUL_c20240331_zflEUzAk7AL6" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">14</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20240331_zj8qWFb7mQla" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">84</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_maFV2_c20240331_zVubRDKIsTW6" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">128,933</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_maGUL2_c20240331_z2ouCKwTaUve" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">31,688</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold"><span style="font-size: 8pt">Held-to-maturity:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">U.S. Treasury securities</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zHDD096xanz5" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1097">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zJzWxpxPMUOd" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1098">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zYW3E1vZYE4e" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1099">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zM1MUkqf8yVa" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1100">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt">%</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zxkStReR4knh" style="text-align: right"><span style="font-size: 8pt">2</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zYfz6MM4YUZd" style="text-align: right"><span style="font-size: 8pt">9,463</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zz9LOKktqUvb" style="text-align: right"><span style="font-size: 8pt">534</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zL8gnwjFRjKj" style="text-align: right"><span style="font-size: 8pt">5.3</span></td><td style="text-align: left"><span style="font-size: 8pt">%</span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">Government-sponsored mortgage-backed securities</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_984_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zC7iLfmDSsPk" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_ziebgasZOsg1" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">5,711</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_984_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zwHzrpzrRzRl" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">80</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98D_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zLk9TPeSQiL7" style="text-align: right"><span style="font-size: 8pt">1.4</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_985_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zBQ0oD4d5B2e" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">37</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zoKPOm7cRqnf" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">159,059</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zQU3V3Bw9GBk" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">38,988</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_986_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zgeg6LmUbHK" style="text-align: right"><span style="font-size: 8pt">19.7</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total held-to-maturity</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20240331_zw5pZAmcy4l9" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_maFV_c20240331_zVFQEEiS0Qt8" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">5,711</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_maGUL_c20240331_zYVP7lT6w2y5" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">80</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_980_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20240331_z6owBZh99wfj" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">39</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_maFV2_c20240331_zuIAMi8eN6fd" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">168,522</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_maGUL2_c20240331_zp6gIIBJ0tHa" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">39,522</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt"><span style="font-size: 8pt">Total</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iTI_pip0_uNumber_mtNOS_c20240331_ztGqRn51AVt" style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">6</span></td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_986_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12Months_iTI_pn3n3_mtFV_c20240331_zyrYUAb3GXOh" style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">15,140</span></td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98E_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iTI_pn3n3_mtGUL_c20240331_zu47rsIG7un4" style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">94</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iTI_pip0_uNumber_mtNOS2_c20240331_zfocSYRPOGrd" style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">123</span></td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_987_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger_iTI_pn3n3_mtFV2_c20240331_zG8x7LklU5li" style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">297,455</span></td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98A_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iTI_pn3n3_mtGUL2_c20240331_zmySYF6hvqBe" style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">71,210</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="30" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">December 31, 2023</span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Less Than Twelve Months</span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Over Twelve Months</span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Number of Securities</span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Fair Value</span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Gross Unrealized Loss</span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Depreciation from Amortized Cost Basis (%)</span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Number of Securities</span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Fair Value</span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Gross Unrealized Loss</span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Depreciation from Amortized Cost Basis (%)</span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="30" style="text-align: center"><span style="font-size: 8pt">(Dollars in thousands)</span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span style="font-size: 8pt">Available-for-sale:</span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt; width: 12%"><span style="font-size: 8pt">Government-sponsored mortgage-backed securities</span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z5nTrdpp6ok5" style="width: 8%; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1126">—</span></span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zQPSFygqnL49" style="width: 8%; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1127">—</span></span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zZbJFzcbZq1i" style="width: 8%; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1128">—</span></span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zROuFFIcYTx2" style="width: 8%; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1129">—</span></span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt">%</span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zPBJZzBRsrLh" style="width: 8%; text-align: right"><span style="font-size: 8pt">70</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zaU5HvRoqXFe" style="width: 8%; text-align: right"><span style="font-size: 8pt">112,557</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z9FIbXpbPT42" style="width: 8%; text-align: right"><span style="font-size: 8pt">23,976</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_984_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zB4OsxTGbUff" style="width: 8%; text-align: right"><span style="font-size: 8pt">17.6</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt">%</span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">U.S. government guaranteed mortgage-backed securities</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zLsB5sYm3sB1" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1134">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z7JwF67U9Ybf" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1135">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zIY6XAVctGEj" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1136">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zGZ0CgHc6Bp3" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1137">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zNlRhUMSBpTl" style="text-align: right"><span style="font-size: 8pt">9</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zBSoaNmNU3l9" style="text-align: right"><span style="font-size: 8pt">5,435</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zA8Zej6xe5zk" style="text-align: right"><span style="font-size: 8pt">1,254</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zKaQmiQyqvBc" style="text-align: right"><span style="font-size: 8pt">18.7</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">Government-sponsored enterprise obligations</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_znyIqmg3dHPe" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1142">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zX9EXqc7z0l1" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1143">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zevTxRwrUAY1" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1144">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_984_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z3JzngHy2q65" style="text-align: right" title="Available-for-sale, less than 12 months, depreciation from amortized cost basis (%)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1146">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z5OaeKWmaVi2" style="text-align: right"><span style="font-size: 8pt">3</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z1UdSgKKtBbj" style="text-align: right"><span style="font-size: 8pt">12,026</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z84So5YaIiml" style="text-align: right"><span style="font-size: 8pt">2,898</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98E_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zJ6klj3YnJse" style="text-align: right" title="Available-for-sale, over 12 months, depreciation from amortized cost basis (%)"><span style="font-size: 8pt">19.4</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 7.5pt"><span style="font-size: 8pt">Corporate bonds</span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_z1SMnHXwE382" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1152">—</span></span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zDpUFR6aUBY9" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1153">—</span></span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_ziaYhigUmqy9" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1154">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zMDYS3bEAPl1" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1155">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zWH4PRQesyH7" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_z47eDeKzTaod" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">6,962</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zDqkkCYlK7Sf" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">1,038</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_989_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zQVlfiyaXj1f" style="text-align: right"><span style="font-size: 8pt">13.0</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total available-for-sale</span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20231231_zFoBLFdWDL0f" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, number of securities"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1161">—</span></span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231_z34WeNP26xqe" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, fair value"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1163">—</span></span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231_zPE0T4i4da36" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, gross unrealized loss"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1165">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20231231_zqmVZqkL5O2c" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, number of securities"><span style="font-size: 8pt">85</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20231231_zJciUs6oOU89" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, fair value"><span style="font-size: 8pt">136,980</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20231231_zxPPqwZIfio8" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, gross unrealized loss"><span style="font-size: 8pt">29,166</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold"><span style="font-size: 8pt">Held-to-maturity:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">U.S. Treasury securities</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zE4F5k2RW8k4" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1172">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zUIBsybAzHFd" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1173">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zZ485KH99D99" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1174">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z2IJ0CMkOmPj" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1175">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt">%</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z0QYgkS6s5Ed" style="text-align: right"><span style="font-size: 8pt">2</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_984_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zh0CPIa9jbm8" style="text-align: right"><span style="font-size: 8pt">9,450</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zfXiQki8wMZb" style="text-align: right"><span style="font-size: 8pt">545</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98F_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zy1ha8GqLdwk" style="text-align: right"><span style="font-size: 8pt">5.5</span></td><td style="text-align: left"><span style="font-size: 8pt">%</span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">Government-sponsored mortgage-backed securities</span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98F_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zi0hU4VxL3h5" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">4</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zYlNo5w0YKA" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">7,097</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zxs0UHXjxRhb" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">56</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_ze2I0dmkCcKf" style="text-align: right" title="Held-to-maturity, less than 12 months, depreciation from amortized cost basis (%)"><span style="font-size: 8pt">0.8</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zYKqZ6819KHa" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">36</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zUmjHBhaVOd8" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">164,395</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z0FJbwQUFTx8" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">35,184</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_985_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zU3Z6FERky62" style="text-align: right" title="Held-to-maturity, over 12 months, depreciation from amortized cost basis (%)"><span style="font-size: 8pt">17.6</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total held-to-maturity</span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_986_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20231231_z2ZjkeWQdLJ2" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, number of securities"><span style="font-size: 8pt">4</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_maFV_c20231231_zsDMMVj9IgKd" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, fair value"><span style="font-size: 8pt">7,097</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_maGUL_c20231231_zwQPfdHxt7n" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, gross unrealized loss"><span style="font-size: 8pt">56</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20231231_zPDpDRUYVaHg" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, number of securities"><span style="font-size: 8pt">38</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_maFV2_c20231231_z2341Lw8esg5" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, fair value"><span style="font-size: 8pt">173,845</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_maGUL2_c20231231_z6lMPZsEgFX6" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, gross unrealized loss"><span style="font-size: 8pt">35,729</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 2.5pt"><span style="font-size: 8pt">Total</span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iTI_pip0_uNumber_mtNOS_c20231231_zzuHFEjWUjwi" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, number of securities"><span style="font-size: 8pt">4</span></td><td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 2.5pt double"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_982_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12Months_iTI_pn3n3_mtFV_c20231231_z5IbeYWhI9o8" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, fair value"><span style="font-size: 8pt">7,097</span></td><td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 2.5pt double"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98C_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iTI_pn3n3_mtGUL_c20231231_zS5zC7mygKFj" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, gross unrealized loss"><span style="font-size: 8pt">56</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98D_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iTI_pip0_uNumber_mtNOS2_c20231231_zMYy1h9l7X3k" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, number of securities"><span style="font-size: 8pt">123</span></td><td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 2.5pt double"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98E_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger_iTI_pn3n3_mtFV2_c20231231_zKRpaLmdQC43" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, fair value"><span style="font-size: 8pt">310,825</span></td><td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 2.5pt double"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_989_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iTI_pn3n3_mtGUL2_c20231231_z1PflthJjrg9" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, gross unrealized loss"><span style="font-size: 8pt">64,895</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> </table> <p id="xdx_892_eus-gaap--MarketableSecuritiesTextBlock_z3pYKK4FGs4g" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available-for-sale and held-to-maturity investment securities at March 31, 2024 and December 31, 2023 are summarized as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">March 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized <br/> Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross <br/> Unrealized<br/> Gains</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross<br/> Unrealized<br/> Losses</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Available-for-sale securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: 8pt">Government-sponsored enterprise obligations</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z8X2j4vCUznl" style="width: 10%; text-align: right" title="Available-for-sale securities, amortized cost">14,927</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zQUYlmVGzDad" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0747">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z8rpzmluhZlb" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized losses">(3,095</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zW6DKqNVbLtl" style="width: 10%; text-align: right" title="Available-for-sale securities, at fair value">11,832</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt">State and municipal bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zdzNo7PWaSzi" style="text-align: right" title="Available-for-sale securities, amortized cost">135</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zQeM6lp1tmW5" style="text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0755">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z2JvsHIEJ0te" style="text-align: right" title="Available-for-sale securities, gross unrealized losses">(1</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z2EivwQh2SUe" style="text-align: right" title="Available-for-sale securities, at fair value">134</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 8.1pt">Corporate bonds</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zcfFvLzRqwW8" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">5,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zeFxyytg0Ic7" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0763">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zhvxHyJxM09j" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(929</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zZZ3LX9bwuUg" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">4,071</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.9pt; padding-left: 0.2in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zpxhD43wPPUb" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">20,062</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zboUwJuoQ2ll" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0771">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z5W4LHBDZavb" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(4,025</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z6jTrLzFkWRh" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">16,037</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right; text-indent: 8.05pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8.05pt; padding-left: 0.05pt">Government-sponsored mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zdmuPiCbLpEj" style="text-align: right" title="Available-for-sale securities, amortized cost">143,410</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zXQXIrAafdLh" style="text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0779">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_znl0Vyr2U652" style="text-align: right" title="Available-for-sale securities, gross unrealized losses">(26,321</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zUKnzVf1yum3" style="text-align: right" title="Available-for-sale securities, at fair value">117,089</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -17.1pt; padding-left: 17.1pt"> U.S. government guaranteed mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zLLSngRn6qz8" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">6,592</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z8rlKRI3mdi2" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0787">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z60jfA8upcx" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(1,356</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zbJ044TMjn2k" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">5,236</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: 8.05pt; padding-left: 0.1in">Total mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z0uLdLDv6xIl" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">150,002</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zUzwloMTMmcc" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0795">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zBy28ye3hLS3" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(27,677</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zLbaTyCONV2j" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">122,325</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.3in">Total available-for-sale</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_maAmortCost_c20240331_zOvipXUQiMp7" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">170,064</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_maUnrealGain_c20240331_z8PVy1v1CB53" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0803">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_maUnrealLoss_c20240331_zscOxZhCM3La" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(31,702</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_maFairVal_c20240331_zBmibuBuwQsb" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">138,362</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left">Held-to-maturity securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 9pt">U.S. Treasury securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zDt1ayR6bBmd" style="text-align: right">9,997</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z5UoCbqsjfTd" style="text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0810">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zAcSAH0H25w9" style="text-align: right">(534</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zVtQaS5AUdJb" style="text-align: right">9,463</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9pt">U.S. government guaranteed obligations</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zHaFCnPKMRyf" style="border-bottom: Black 1pt solid; text-align: right">1,100</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zXfmh6A2S9Ld" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">3</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_z6qljXN51jR5" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0816">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedObligationsMember_zjoWTNUGD1S6" style="border-bottom: Black 1pt solid; text-align: right">1,103</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.9pt; padding-left: 0.2in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zCZS5jnbNbLk" style="border-bottom: Black 1pt solid; text-align: right">11,097</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zJ8kZPsWQYSh" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">3</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z8OfXK0eGwxc" style="border-bottom: Black 1pt solid; text-align: right">(534</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zU1kjgIU39b" style="border-bottom: Black 1pt solid; text-align: right">10,566</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.2in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 8.05pt; padding-left: 0.05pt">Government-sponsored mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zjy1JlRfMdxf" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">210,145</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zT3fhoLuf7Q2" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">36</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zXnb9YDWrux1" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(39,068</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z2xiHaCzQ4v1" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">171,113</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: 8.05pt; padding-left: 0.1in">Total mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zr6lOopw4FY6" style="border-bottom: Black 1pt solid; text-align: right">210,145</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zQF36KO377Kk" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">36</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zCx2PNsTNXH6" style="border-bottom: Black 1pt solid; text-align: right">(39,068</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zXD0c29vj0nl" style="border-bottom: Black 1pt solid; text-align: right">171,113</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8.05pt; padding-left: 0.1in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: 13.5pt"> Total held-to-maturity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_maAmortCost_c20240331_zI03xtwC1dx" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">221,242</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_maUnrealGain_c20240331_z2lQWqNwqlYb" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">39</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_maUnrealLoss_c20240331_zwo5MjyeOZG9" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(39,602</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_maFairVal_c20240331_zQ2qFtimPSwl" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">181,679</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></p></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss_iTI_pn3n3_mtAmortCost_c20240331_zHwmbMihdsH2" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, amortized cost">391,306</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain_iTI_pn3n3_mtUnrealGain_c20240331_zVIcLO6nv1X3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized gains">39</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss_iNTI_pn3n3_di_mtUnrealLoss_c20240331_z2r3p1KADsj6" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized losses">(71,304</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iTI_pn3n3_mtFairVal_c20240331_zcRqXeRCwkSf" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, fair value">320,041</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross <br/> Unrealized<br/> Gains</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross<br/> Unrealized <br/> Losses</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Available-for-sale securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: 8pt">Government-sponsored enterprise obligations</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zldIefc955F7" style="width: 10%; text-align: right" title="Available-for-sale securities, amortized cost">14,924</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zg3SytAbOHkh" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0856">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z84UHEQhpv1a" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized losses">(2,898</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zfslWNA9w3J6" style="width: 10%; text-align: right" title="Available-for-sale securities, at fair value">12,026</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt">State and municipal bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zGMyv7i2CCnk" style="text-align: right" title="Available-for-sale securities, amortized cost">135</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zgUCXZgET23" style="text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0864">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zNcqLloDwODf" style="text-align: right" title="Available-for-sale securities, gross unrealized losses"><span style="-sec-ix-hidden: xdx2ixbrl0866">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zLXDtCuDkyNf" style="text-align: right" title="Available-for-sale securities, at fair value">135</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 8.1pt">Corporate bonds</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zFb6GYMP35pb" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">8,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zeXO7RHxqtp8" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0872">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zN2cJQaiX7j9" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(1,038</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zdh0yP8SAZf1" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">6,962</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.9pt; padding-left: 0.2in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zcwSCIlEp1ti" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">23,059</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zr7Nn940OICi" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0880">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zumOPDM6fPmf" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(3,936</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zmIT1sifeHI4" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">19,123</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right; text-indent: 8.05pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8.05pt; padding-left: 0.05pt">Government-sponsored mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zSNgm744MdFa" style="text-align: right" title="Available-for-sale securities, amortized cost">136,533</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z3kFG2GuLoCl" style="text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0888">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zeP7yt3y29c4" style="text-align: right" title="Available-for-sale securities, gross unrealized losses">(23,976</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zjbhuLgV5M7c" style="text-align: right" title="Available-for-sale securities, at fair value">112,557</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -17.1pt; padding-left: 17.1pt"> U.S. government guaranteed mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zZLTjb8RPw1d" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">6,689</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zDFHpoHdsbE1" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0896">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z79ebIyYWpdb" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(1,254</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zCcmVDrN4ZY8" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">5,435</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: 8.05pt; padding-left: 0.1in">Total mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zH4MKbFFZiCc" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">143,222</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z7LbArIvya77" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0904">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zkdaO3zJLAEi" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(25,230</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zo4xOBBpL2T4" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">117,992</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.3in">Total available-for-sale</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_maAmortCost_c20231231_zz5on57C0jEh" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, amortized cost">166,281</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_maUnrealGain_c20231231_z9F33gxjTso1" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0912">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_maUnrealLoss_c20231231_zOraNis19ohe" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, gross unrealized losses">(29,166</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_maFairVal_c20231231_zfI4Kt83chT3" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, at fair value">137,115</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Held-to-maturity securities:</b></span></p></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9pt">U.S. Treasury securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_znwcWa5qysC2" style="border-bottom: Black 1pt solid; text-align: right">9,995</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zh3wStqNODzk" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0919">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zlPflKc1KIg2" style="border-bottom: Black 1pt solid; text-align: right">(545</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_znOq0C55a8H2" style="border-bottom: Black 1pt solid; text-align: right">9,450</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.9pt; padding-left: 0.2in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zdhhMaHoV3Q4" style="border-bottom: Black 1pt solid; text-align: right">9,995</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zUT3aIiQFcKb" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl0924">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zACFtVO1eXoa" style="border-bottom: Black 1pt solid; text-align: right">(545</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z0QmIfema5fi" style="border-bottom: Black 1pt solid; text-align: right">9,450</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 8.05pt; padding-left: 0.05pt">Government-sponsored mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zsNwOZSQNKc2" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">213,375</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z6H2vRcFUpCa" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">107</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z6z4GWkxEQO8" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(35,240</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_znpnvGr2eVHg" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">178,242</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: 8.05pt; padding-left: 0.1in">Total mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z5EGOkSxswKi" style="border-bottom: Black 1pt solid; text-align: right">213,375</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zudJTr6cHlw" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">107</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z6vPwAwEclUl" style="border-bottom: Black 1pt solid; text-align: right">(35,240</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zQ8C14ZPYSKf" style="border-bottom: Black 1pt solid; text-align: right">178,242</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 8.05pt; padding-left: 0.1in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: 13.5pt"> Total held-to-maturity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_maAmortCost_c20231231_z5mJP1NdCLv" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">223,370</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_maUnrealGain_c20231231_zjJ7AjxAJdJ1" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains">107</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_maUnrealLoss_c20231231_znq712akFC58" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(35,785</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_maFairVal_c20231231_zvEQNlVqs4U3" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">187,692</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></p></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss_iTI_pn3n3_mtAmortCost_c20231231_zHGpV11mwUVf" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, amortized cost">389,651</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain_iTI_pn3n3_mtUnrealGain_c20231231_zC2QGYkPjhG1" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized gains">107</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss_iNTI_pn3n3_di_mtUnrealLoss_c20231231_zgagCN9PM6Kj" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized losses">(64,951</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iTI_pn3n3_mtFairVal_c20231231_zPfGVt4ul95k" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, fair value">324,807</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 14927000 3095000 11832000 135000 1000 134000 5000000 929000 4071000 20062000 4025000 16037000 143410000 26321000 117089000 6592000 1356000 5236000 150002000 27677000 122325000 170064000 31702000 138362000 9997000 534000 9463000 1100000 3000 1103000 11097000 3000 534000 10566000 210145000 36000 39068000 171113000 210145000 36000 39068000 171113000 221242000 39000 39602000 181679000 391306000 39000 71304000 320041000 14924000 2898000 12026000 135000 135000 8000000 1038000 6962000 23059000 3936000 19123000 136533000 23976000 112557000 6689000 1254000 5435000 143222000 25230000 117992000 166281000 29166000 137115000 9995000 545000 9450000 9995000 545000 9450000 213375000 107000 35240000 178242000 213375000 107000 35240000 178242000 223370000 107000 35785000 187692000 389651000 107000 64951000 324807000 <p id="xdx_89A_eus-gaap--InvestmentsInDebtAndEquityInstrumentsCashAndCashEquivalentsUnrealizedAndRealizedGainsLossesTextBlock_zV3nBh0FmLYg" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following table presents the unrealized gains recognized on marketable equity securities for the periods indicated:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center"> </td> <td id="xdx_492_20240101__20240331_zNgMf7H6LYi1" style="text-align: center"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" id="xdx_49F_20230101__20230331_zKDXsrG84tD3" style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Three Months Ended </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>March 31</b></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_403_eus-gaap--EquitySecuritiesFvNiUnrealizedGainLoss_pn3n3_maESFNGzfsj_zM1SVgETr4Ha" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 74%; text-align: left">Net gains recognized during the period on marketable equity securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">8</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0960">—</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--EquitySecuritiesFvNiRealizedGainLoss_pn3n3_maESFNGzfsj_zU1E7TIV7L42" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Net losses recognized during the period on equity securities sold during the period</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0962">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0963">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--EquitySecuritiesFvNiGainLoss_iT_pn3n3_mtESFNGzfsj_zvsWSkAlnzV9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Unrealized gains recognized during the period on marketable equity securities still held at end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">8</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0966">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> 8000 8000 9500000 7800000 169400000 <p id="xdx_891_eus-gaap--InvestmentsClassifiedByContractualMaturityDateTableTextBlock_zTZfOkq5CSP6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"><span id="xdx_8BB_z2f2KyhQlet8">The amortized cost and fair value of available-for-sale and held-to-maturity securities at March 31, 2024, by final maturity, are shown below.</span> Actual maturities may differ from contractual maturities because certain issuers have the right to call or prepay obligations.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Available-for-Sale</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Held-to-Maturity</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; text-indent: 0.05in">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: -0.9pt; padding-left: 13.5pt">Due in one year or less</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zwwLwNAGvaS5" style="width: 10%; text-align: right" title="Available-for-sale securities, due in one year or less, amortized cost">135</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_iI_pn3n3_maAvailFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zxp6V2ZAWFf2" style="width: 10%; text-align: right" title="Available-for-sale securities, due in one year or less, fair value">134</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCost_iI_pn3n3_maHeldAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zsG7eHefkmpj" style="width: 10%; text-align: right" title="Held-to-maturity securities, due in one year or less, amortized cost">4,994</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_iI_pn3n3_maHeldFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zMUraBnc38H3" style="width: 10%; text-align: right" title="Held-to-maturity securities, due in one year or less, fair value">4,864</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.6pt">Due after one year through five years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_iI_pn3n3_maAvailAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zV6895ePuQCh" style="text-align: right" title="Available-for-sale securities, due after one year through five years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl0985">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_maAvailFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z47VDEt4prma" style="text-align: right" title="Available-for-sale securities, due after one year through five years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl0987">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost_iI_pn3n3_maHeldAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zGasomOiZHc5" style="text-align: right" title="Held-to-maturity securities, due after one year through five years, amortized cost">5,003</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_maHeldFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zTMQc7JXezP5" style="text-align: right" title="Held-to-maturity securities, due after one year through five years, fair value">4,599</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 12.75pt">Due after five years through ten years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_iI_pn3n3_maAvailAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zAPbuKwZ3E7d" style="text-align: right" title="Available-for-sale securities, due after five years through ten years, amortized cost">19,927</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_maAvailFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zrqBoWsWMDb5" style="text-align: right" title="Available-for-sale securities, due after five years through ten years, fair value">15,903</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost_iI_pn3n3_maHeldAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z4JUT8oco4He" style="text-align: right" title="Held-to-maturity securities, due after five years through ten years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl0997">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_maHeldFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zxxocVhpnvCb" style="text-align: right" title="Held-to-maturity securities, due after five years through ten years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl0999">—</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 12.75pt">Due after ten years</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_iI_pn3n3_maAvailAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z1E72qaNUKU7" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, due after ten years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1001">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_iI_pn3n3_maAvailFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z9kptV52v30h" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, due after ten years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1003">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsAmortizedCost_iI_pn3n3_maHeldAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zdVGlv6u1Ubd" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, due after ten years, amortized cost">1,100</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsFairValue_iI_pn3n3_maHeldFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z0oS1IhsQoAi" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, due after ten years, fair value">1,103</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: 17.1pt">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_989_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_mtAvailAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z5fWizV4QJZ8" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost, available for sale">20,062</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_pn3n3_mtAvailFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z1uAjXTRJee9" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value, available for sale">16,037</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98B_eus-gaap--HeldToMaturitySecurities_iTI_pn3n3_mtHeldAmort_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zOu4SV2T12Uc" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost, held to maturity">11,097</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesFairValue_iTI_pn3n3_mtHeldFV_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z6AiKLi9I3Nj" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value, held to maturity">10,566</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Mortgage-backed securities:</td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: 12.75pt">Due after one year through five years</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zedNVAS4Ks5j" style="width: 10%; text-align: right">962</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zRBXf05RUJq5" style="width: 10%; text-align: right">916</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zXh7mx5Rskja" style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1018">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zNaYrDtFDx0d" style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1019">—</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.75pt">Due after five years through ten years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zM9rVAMKy38k" style="text-align: right">844</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zJpI8u8ik6u3" style="text-align: right">767</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zkCjpQkIEc5h" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1022">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_za8MgFr4I6s9" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1023">—</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 12.75pt">Due after ten years</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zVxyrLyu0F8f" style="border-bottom: Black 1pt solid; text-align: right">148,196</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zZwmDooBHUl8" style="border-bottom: Black 1pt solid; text-align: right">120,642</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsAmortizedCost_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zUZEw9w5A0W6" style="border-bottom: Black 1pt solid; text-align: right">210,145</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zWvuuF9NgEXl" style="border-bottom: Black 1pt solid; text-align: right">171,113</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> <b>Total mortgage-backed securities</b></span></td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_ziu87jjGAP9k" style="border-bottom: Black 1pt solid; text-align: right">150,002</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zf8d3kr6Yzfc" style="border-bottom: Black 1pt solid; text-align: right">122,325</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecurities_iTI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z1HeGSzLBN0h" style="border-bottom: Black 1pt solid; text-align: right">210,145</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesFairValue_iTI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zfur4AUjs42i" style="border-bottom: Black 1pt solid; text-align: right">171,113</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total securities</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_c20240331_zZqotyoVCSm" style="border-bottom: Black 2.5pt double; text-align: right">170,064</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_pn3n3_c20240331_ztQvncC1URKl" style="border-bottom: Black 2.5pt double; text-align: right">138,362</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--HeldToMaturitySecurities_iTI_pn3n3_c20240331_zqlis6JDcAoe" style="border-bottom: Black 2.5pt double; text-align: right">221,242</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesFairValue_iTI_pn3n3_c20240331_zKz0m2NFvY2c" style="border-bottom: Black 2.5pt double; text-align: right">181,679</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 135000 134000 4994000 4864000 5003000 4599000 19927000 15903000 1100000 1103000 20062000 16037000 11097000 10566000 962000 916000 844000 767000 148196000 120642000 210145000 171113000 150002000 122325000 210145000 171113000 170064000 138362000 221242000 181679000 360000 333000 51000 178000 482000 454000 <p id="xdx_897_eus-gaap--UnrealizedGainLossOnInvestmentsTableTextBlock_zE7gGfuayl9e" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BB_z616ScoKnyfj">Information pertaining to investment securities with gross unrealized losses</span> as of March 31, 2024 and December 31, 2023 for which the Company did not recognize a provision for credit losses under CECL, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="30" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">March 31, 2024</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Less Than Twelve Months</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Over Twelve Months</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Number of Securities</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Fair Value</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Gross Unrealized Loss</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Depreciation from Amortized Cost Basis (%)</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Number of Securities</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Fair Value</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Gross Unrealized Loss</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Depreciation from Amortized Cost Basis (%)</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="30" style="text-align: center"><span style="font-size: 8pt">(Dollars in thousands)</span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span style="font-size: 8pt">Available-for-sale:</span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt; width: 12%"><span style="font-size: 8pt">Government-sponsored mortgage-backed securities</span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zJDRyFDlyTU9" style="width: 8%; text-align: right"><span style="font-size: 8pt">2</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_za92Wwh7cnv3" style="width: 8%; text-align: right"><span style="font-size: 8pt">9,295</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z2KZ4RkxxPx1" style="width: 8%; text-align: right"><span style="font-size: 8pt">13</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98F_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zQdqX4xJD94k" style="width: 8%; text-align: right"><span style="font-size: 8pt">0.1</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt">%</span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zjgIOWtveyZ4" style="width: 8%; text-align: right"><span style="font-size: 8pt">70</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_ztTsGThzp3s2" style="width: 8%; text-align: right"><span style="font-size: 8pt">107,794</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zmFuTL7MsxWg" style="width: 8%; text-align: right"><span style="font-size: 8pt">26,308</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zZNzzlNHAbzi" style="width: 8%; text-align: right"><span style="font-size: 8pt">19.6</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt">%</span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">U.S. government guaranteed mortgage-backed securities</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z2Uv1a3bRaPj" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1059">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zIOP2VQxVW1" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1060">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zMkrAkxyjf43" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1061">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zMLUpmuvM203" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1062">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zQt1eeycKSW9" style="text-align: right"><span style="font-size: 8pt">9</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z3oG4aZOQmVa" style="text-align: right"><span style="font-size: 8pt">5,236</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zKsWABlqtZai" style="text-align: right"><span style="font-size: 8pt">1,356</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_983_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zeH4zfQ2n6G3" style="text-align: right"><span style="font-size: 8pt">20.6</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">Government-sponsored enterprise obligations</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zRnwDDOCPce" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1067">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zX5Fy9xHiPAb" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1068">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z19uY9JNO7nk" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1069">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98D_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zgih8UZINsP7" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1070">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zNENL0jYM6Rd" style="text-align: right"><span style="font-size: 8pt">3</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zXMtjEpvFnh7" style="text-align: right"><span style="font-size: 8pt">11,832</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zkiYSVoI9kxb" style="text-align: right"><span style="font-size: 8pt">3,095</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_980_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zZj224WxsG91" style="text-align: right"><span style="font-size: 8pt">20.7</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">Corporate bonds</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zCNeIHzjw0Wj" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1075">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zbi4sv0yR21a" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1076">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zmJJr6YOzrLi" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1077">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98F_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_ztmrplk2zkxc" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1078">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_z1X5G1Rp7GB9" style="text-align: right"><span style="font-size: 8pt">2</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zePVzkYgxL79" style="text-align: right"><span style="font-size: 8pt">4,071</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_znGA7qSS6Yk6" style="text-align: right"><span style="font-size: 8pt">929</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_980_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_z68aoVQGxKXi" style="text-align: right"><span style="font-size: 8pt">18.6</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">State and municipal bonds</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zlhHalWMlbG" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">1</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z5Qq4xVW5CZk" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">134</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z8gDBFmC8Gkh" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">1</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_983_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_znDgyB8xMO86" style="text-align: right"><span style="font-size: 8pt">0.7</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zorMqgI4nQLc" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1087">—</span></span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zQ7KKy5IANj5" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1088">—</span></span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zPMg2HuH6BO6" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1089">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zCMOhtWQOMCa" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1090">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total available-for-sale</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20240331_zBaGxrZhXKve" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_maFV_c20240331_ztP5RBjNq2ka" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">9,429</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_maGUL_c20240331_zflEUzAk7AL6" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">14</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20240331_zj8qWFb7mQla" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">84</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_maFV2_c20240331_zVubRDKIsTW6" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">128,933</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_maGUL2_c20240331_z2ouCKwTaUve" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">31,688</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold"><span style="font-size: 8pt">Held-to-maturity:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">U.S. Treasury securities</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zHDD096xanz5" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1097">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zJzWxpxPMUOd" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1098">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zYW3E1vZYE4e" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1099">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zM1MUkqf8yVa" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1100">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt">%</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zxkStReR4knh" style="text-align: right"><span style="font-size: 8pt">2</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zYfz6MM4YUZd" style="text-align: right"><span style="font-size: 8pt">9,463</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zz9LOKktqUvb" style="text-align: right"><span style="font-size: 8pt">534</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zL8gnwjFRjKj" style="text-align: right"><span style="font-size: 8pt">5.3</span></td><td style="text-align: left"><span style="font-size: 8pt">%</span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">Government-sponsored mortgage-backed securities</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_984_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zC7iLfmDSsPk" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_ziebgasZOsg1" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">5,711</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_984_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zwHzrpzrRzRl" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">80</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98D_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zLk9TPeSQiL7" style="text-align: right"><span style="font-size: 8pt">1.4</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_985_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zBQ0oD4d5B2e" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">37</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zoKPOm7cRqnf" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">159,059</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zQU3V3Bw9GBk" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">38,988</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_986_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20240331__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zgeg6LmUbHK" style="text-align: right"><span style="font-size: 8pt">19.7</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total held-to-maturity</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20240331_zw5pZAmcy4l9" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_maFV_c20240331_zVFQEEiS0Qt8" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">5,711</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_maGUL_c20240331_zYVP7lT6w2y5" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">80</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_980_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20240331_z6owBZh99wfj" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">39</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_maFV2_c20240331_zuIAMi8eN6fd" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">168,522</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_maGUL2_c20240331_zp6gIIBJ0tHa" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">39,522</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt"><span style="font-size: 8pt">Total</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iTI_pip0_uNumber_mtNOS_c20240331_ztGqRn51AVt" style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">6</span></td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_986_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12Months_iTI_pn3n3_mtFV_c20240331_zyrYUAb3GXOh" style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">15,140</span></td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98E_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iTI_pn3n3_mtGUL_c20240331_zu47rsIG7un4" style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">94</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iTI_pip0_uNumber_mtNOS2_c20240331_zfocSYRPOGrd" style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">123</span></td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_987_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger_iTI_pn3n3_mtFV2_c20240331_zG8x7LklU5li" style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">297,455</span></td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98A_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iTI_pn3n3_mtGUL2_c20240331_zmySYF6hvqBe" style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">71,210</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="30" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">December 31, 2023</span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Less Than Twelve Months</span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Over Twelve Months</span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Number of Securities</span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Fair Value</span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Gross Unrealized Loss</span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Depreciation from Amortized Cost Basis (%)</span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Number of Securities</span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Fair Value</span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Gross Unrealized Loss</span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; font-weight: bold"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Depreciation from Amortized Cost Basis (%)</span></td><td style="font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="30" style="text-align: center"><span style="font-size: 8pt">(Dollars in thousands)</span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span style="font-size: 8pt">Available-for-sale:</span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt; width: 12%"><span style="font-size: 8pt">Government-sponsored mortgage-backed securities</span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z5nTrdpp6ok5" style="width: 8%; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1126">—</span></span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zQPSFygqnL49" style="width: 8%; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1127">—</span></span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zZbJFzcbZq1i" style="width: 8%; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1128">—</span></span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zROuFFIcYTx2" style="width: 8%; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1129">—</span></span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt">%</span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zPBJZzBRsrLh" style="width: 8%; text-align: right"><span style="font-size: 8pt">70</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zaU5HvRoqXFe" style="width: 8%; text-align: right"><span style="font-size: 8pt">112,557</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z9FIbXpbPT42" style="width: 8%; text-align: right"><span style="font-size: 8pt">23,976</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_984_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zB4OsxTGbUff" style="width: 8%; text-align: right"><span style="font-size: 8pt">17.6</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt">%</span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">U.S. government guaranteed mortgage-backed securities</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zLsB5sYm3sB1" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1134">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z7JwF67U9Ybf" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1135">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zIY6XAVctGEj" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1136">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zGZ0CgHc6Bp3" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1137">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zNlRhUMSBpTl" style="text-align: right"><span style="font-size: 8pt">9</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zBSoaNmNU3l9" style="text-align: right"><span style="font-size: 8pt">5,435</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zA8Zej6xe5zk" style="text-align: right"><span style="font-size: 8pt">1,254</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zKaQmiQyqvBc" style="text-align: right"><span style="font-size: 8pt">18.7</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">Government-sponsored enterprise obligations</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_znyIqmg3dHPe" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1142">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zX9EXqc7z0l1" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1143">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zevTxRwrUAY1" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1144">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_984_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z3JzngHy2q65" style="text-align: right" title="Available-for-sale, less than 12 months, depreciation from amortized cost basis (%)"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1146">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z5OaeKWmaVi2" style="text-align: right"><span style="font-size: 8pt">3</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z1UdSgKKtBbj" style="text-align: right"><span style="font-size: 8pt">12,026</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z84So5YaIiml" style="text-align: right"><span style="font-size: 8pt">2,898</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98E_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zJ6klj3YnJse" style="text-align: right" title="Available-for-sale, over 12 months, depreciation from amortized cost basis (%)"><span style="font-size: 8pt">19.4</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 7.5pt"><span style="font-size: 8pt">Corporate bonds</span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_z1SMnHXwE382" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1152">—</span></span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zDpUFR6aUBY9" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1153">—</span></span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_ziaYhigUmqy9" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1154">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zMDYS3bEAPl1" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1155">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zWH4PRQesyH7" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_z47eDeKzTaod" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">6,962</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zDqkkCYlK7Sf" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">1,038</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_989_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zQVlfiyaXj1f" style="text-align: right"><span style="font-size: 8pt">13.0</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total available-for-sale</span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20231231_zFoBLFdWDL0f" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, number of securities"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1161">—</span></span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20231231_z34WeNP26xqe" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, fair value"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1163">—</span></span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231_zPE0T4i4da36" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, gross unrealized loss"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1165">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20231231_zqmVZqkL5O2c" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, number of securities"><span style="font-size: 8pt">85</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20231231_zJciUs6oOU89" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, fair value"><span style="font-size: 8pt">136,980</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20231231_zxPPqwZIfio8" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, gross unrealized loss"><span style="font-size: 8pt">29,166</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold"><span style="font-size: 8pt">Held-to-maturity:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">U.S. Treasury securities</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zE4F5k2RW8k4" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1172">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zUIBsybAzHFd" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1173">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zZ485KH99D99" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1174">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z2IJ0CMkOmPj" style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1175">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt">%</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z0QYgkS6s5Ed" style="text-align: right"><span style="font-size: 8pt">2</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_984_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zh0CPIa9jbm8" style="text-align: right"><span style="font-size: 8pt">9,450</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zfXiQki8wMZb" style="text-align: right"><span style="font-size: 8pt">545</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98F_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zy1ha8GqLdwk" style="text-align: right"><span style="font-size: 8pt">5.5</span></td><td style="text-align: left"><span style="font-size: 8pt">%</span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -9pt; padding-left: 16.5pt"><span style="font-size: 8pt">Government-sponsored mortgage-backed securities</span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98F_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zi0hU4VxL3h5" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">4</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zYlNo5w0YKA" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">7,097</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zxs0UHXjxRhb" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">56</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_ze2I0dmkCcKf" style="text-align: right" title="Held-to-maturity, less than 12 months, depreciation from amortized cost basis (%)"><span style="font-size: 8pt">0.8</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98A_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zYKqZ6819KHa" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">36</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zUmjHBhaVOd8" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">164,395</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_988_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z0FJbwQUFTx8" style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">35,184</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_985_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20231231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zU3Z6FERky62" style="text-align: right" title="Held-to-maturity, over 12 months, depreciation from amortized cost basis (%)"><span style="font-size: 8pt">17.6</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total held-to-maturity</span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_986_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20231231_z2ZjkeWQdLJ2" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, number of securities"><span style="font-size: 8pt">4</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_maFV_c20231231_zsDMMVj9IgKd" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, fair value"><span style="font-size: 8pt">7,097</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_maGUL_c20231231_zwQPfdHxt7n" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, gross unrealized loss"><span style="font-size: 8pt">56</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20231231_zPDpDRUYVaHg" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, number of securities"><span style="font-size: 8pt">38</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98C_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_maFV2_c20231231_z2341Lw8esg5" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, fair value"><span style="font-size: 8pt">173,845</span></td><td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_maGUL2_c20231231_z6lMPZsEgFX6" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, gross unrealized loss"><span style="font-size: 8pt">35,729</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 2.5pt"><span style="font-size: 8pt">Total</span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98B_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iTI_pip0_uNumber_mtNOS_c20231231_zzuHFEjWUjwi" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, number of securities"><span style="font-size: 8pt">4</span></td><td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 2.5pt double"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_982_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12Months_iTI_pn3n3_mtFV_c20231231_z5IbeYWhI9o8" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, fair value"><span style="font-size: 8pt">7,097</span></td><td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 2.5pt double"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98C_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iTI_pn3n3_mtGUL_c20231231_zS5zC7mygKFj" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, gross unrealized loss"><span style="font-size: 8pt">56</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt"> </span></td><td id="xdx_98D_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iTI_pip0_uNumber_mtNOS2_c20231231_zMYy1h9l7X3k" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, number of securities"><span style="font-size: 8pt">123</span></td><td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 2.5pt double"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98E_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger_iTI_pn3n3_mtFV2_c20231231_zKRpaLmdQC43" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, fair value"><span style="font-size: 8pt">310,825</span></td><td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 2.5pt double"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_989_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iTI_pn3n3_mtGUL2_c20231231_z1PflthJjrg9" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, gross unrealized loss"><span style="font-size: 8pt">64,895</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> </table> 2 9295000 13000 0.001 70 107794000 26308000 0.196 9 5236000 1356000 0.206 3 11832000 3095000 0.207 2 4071000 929000 0.186 1 134000 1000 0.007 3 9429000 14000 84 128933000 31688000 2 9463000 534000 0.053 3 5711000 80000 0.014 37 159059000 38988000 0.197 3 5711000 80000 39 168522000 39522000 6 15140000 94000 123 297455000 71210000 70 112557000 23976000 0.176 9 5435000 1254000 0.187 3 12026000 2898000 0.194 3 6962000 1038000 0.130 85 136980000 29166000 2 9450000 545000 0.055 4 7097000 56000 0.008 36 164395000 35184000 0.176 4 7097000 56000 38 173845000 35729000 4 7097000 56000 123 310825000 64895000 <p id="xdx_805_eus-gaap--LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_z4Fzx6KDkBs9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.        <span id="xdx_820_z1ktWfrSoSFb">LOANS AND ALLOWANCE FOR CREDIT LOSSES</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_897_eus-gaap--ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_zhhAXjMfmYB3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Major classifications of loans at the periods indicated were as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_49A_20240331_zvRI4qUhFo9j" style="font-weight: bold; text-align: center">March 31,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_497_20231231_zaeHDt4zTqv7" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_404_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zaFo4WbnigB3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; font-weight: bold; text-align: left">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,083,910</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,079,751</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_z9hDqwGefC4b" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 12.6pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">615,277</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">612,315</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zfnsroLiYnaj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 12.6pt">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">111,488</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">109,839</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zr6QjxUl2f08" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt"> Total residential real estate</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">726,765</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">722,154</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 12.6pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zLBCg9PJY2kf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">207,307</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">217,447</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 12.75pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zRbH1o35TkOj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 1pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,998</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,472</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_maFREAIzHYT_zPKD2tXVYa0k" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left"> Total gross loans</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,022,980</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,024,824</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--FinancingReceivableUnamortizedPurchasePremiumDiscount_iI_pn3n3_maFREAIzHYT_zuxTcimifzL4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Unearned premiums and deferred loan fees and costs, net</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,586</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,493</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_iTI_pn3n3_mtFREAIzHYT_maFREAIzwLv_zGmPnjejK5W5" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; text-indent: 8.25pt">Total loans, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,025,566</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,027,317</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iNI_pn3n3_di_msFREAIzwLv_zcSU33UZFol8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Allowance for credit losses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(19,884</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(20,267</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_401_eus-gaap--FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_iTI_pn3n3_mtFREAIzwLv_zaZcanIJ4WSj" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Net loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,005,682</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,007,050</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A5_ztRN6riw7uu5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font: 10pt Times New Roman, Times, Serif"><b>Loans Serviced for Others.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company has transferred a portion of its originated commercial loans to participating lenders. The amounts transferred have been accounted for as sales and are therefore not included in our accompanying consolidated balance sheets. We continue to service the loans on behalf of the participating lenders. We share with participating lenders, on a pro-rata basis, any gains or losses that may result from a borrower’s lack of compliance with contractual terms of the loan. At March 31, 2024 and December 31, 2023, the Company was servicing commercial loans participated out to various other institutions totaling $<span id="xdx_90C_ecustom--ServicedLoansForParticipants_iI_pn5n6_c20240331_zAxTPvALrSUa" title="Serviced commercial loans for participants">59.1</span> million and $<span id="xdx_90E_ecustom--ServicedLoansForParticipants_iI_pn5n6_c20231231_zvPubN7i6Bc7" title="Serviced commercial loans for participants">65.0</span> million, respectively.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential real estate mortgages are originated by the Company both for its portfolio and for sale into the secondary market. The Company may sell its loans to institutional investors such as the FHLMC. Under loan sale and servicing agreements with the investor, the Company generally continues to service the residential real estate mortgages. The Company pays the investor an agreed upon rate on the loan, which is less than the interest rate received from the borrower. The Company retains the difference as a fee for servicing the residential real estate mortgages. The Company capitalizes mortgage servicing rights at their fair value upon sale of the related loans, amortizes the asset over the estimated life of the serviced loan, and periodically assesses the asset for impairment. The significant assumptions used by a third party to estimate the fair value of capitalized servicing rights at March 31, 2024, include weighted average prepayment speed for the portfolio using the Public Securities Association Standard Prepayment Model (<span id="xdx_90C_ecustom--WeightedAveragePrepaymentSpeedPublicSecuritiesAssociationStandardPrepaymentModel_pid_dp_uPure_c20240101__20240331_zq7Dd1IEosfj" title="Weighted average prepayment speed, PSA">104</span> PSA), weighted average internal rate of return (<span id="xdx_905_ecustom--WeightedAverageInternalRateOfReturnPercentage_pid_dp_uPure_c20240101__20240331_zQdRdOkICgoi" title="Weighted average internal rate of return">10.01</span>%), weighted average servicing fee (<span id="xdx_90F_ecustom--WeightedAverageServicingFeePercentage_pid_dp_uPure_c20240101__20240331_zJ7ZpfCTGIv6" title="Weighted average servicing fee percentage">0.25</span>%), and average cost to service loans ($<span id="xdx_906_ecustom--NetCostToServiceLoans_uUSDPerLoan_c20240101__20240331_zc0LTSTqJPB4" title="Net cost to service loans">83.38</span> per loan). The estimated fair value of capitalized servicing rights may vary significantly in subsequent periods primarily due to changing market interest rates, and their effect on prepayment speeds and discount rates. There were no sales of residential real estate mortgages to the secondary market during the three months ended March 31, 2024.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At March 31, 2024 and December 31, 2023, the Company was servicing residential mortgage loans owned by investors totaling $<span id="xdx_900_ecustom--MortgageLoansServicedThirdPartyAtPeriodEnd_iI_pn5n6_c20240331_zmv1jwU2bZed" title="Mortgage loans serviced for others">71.4</span> million and $<span id="xdx_909_ecustom--MortgageLoansServicedThirdPartyAtPeriodEnd_iI_pn5n6_c20231231_zCOvkoefrPg8" title="Mortgage loans serviced for others">72.3</span> million, respectively. Servicing fee income of $<span id="xdx_90E_ecustom--ServiceFeesIncome_pn3p0_c20240101__20240331_zdz9txWXXeXb" title="Servicing fee income">44,000</span> and $<span id="xdx_909_ecustom--ServiceFeesIncome_pn3p0_c20230101__20230331_zudpIqxIqLQ4" title="Servicing fee income">50,000</span> was recorded for the three months ended March 31, 2024 and 2023, respectively, and is included in service charges and fees on the consolidated statements of net income.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_899_eus-gaap--ScheduleOfServicingAssetsAtAmortizedValueTextBlock_zoRmIhI0Vbif" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A summary of the activity in the balances of mortgage servicing rights follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_498_20240101__20240331_zqtoQq8sxd1c" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_495_20230101__20230331_zMwlaJ9TKLxd" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Three Months Ended March 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_407_eus-gaap--ServicingAssetAtAmortizedValue_iS_pn3n3_uUSD_zhxqiJmbpUO6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; font-weight: bold; text-align: left">Balance at the beginning of year:</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">422</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">550</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--ServicingAssetAtAmortizedValueAdditions_pn3n3_uUSD_zXPMAUOjszF5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8.1pt">Capitalized mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1278">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1279">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--ServicingAssetAtAmortizedValueAmortization1_iN_pn3n3_di_uUSD_z7EqzphwM77c" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; text-indent: 8.1pt">Amortization</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(22</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(35</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_409_eus-gaap--ServicingAssetAtAmortizedValue_iE_pn3n3_uUSD_zM7Iz78s8PDl" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: 17.1pt">Balance at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">400</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">515</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--ServicingAssetAtFairValueAmount_iE_pn3n3_uUSD_zrvVpsBQspcl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt; text-indent: 17.1pt">Fair value at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">707</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">779</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A0_zqJBNNfA5PWh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans are recorded at the principal amount outstanding, adjusted for charge-offs, unearned premiums and deferred loan fees and costs. Interest on loans is calculated using the effective yield method on daily balances of the principal amount outstanding and is credited to income on the accrual basis to the extent it is deemed collectable. Our general policy is to discontinue the accrual of interest when principal or interest payments are delinquent 90 days or more based on the contractual terms of the loan, or earlier if there are concerns regarding the collectability of the loan. Any unpaid amounts previously accrued on these loans are reversed from income. Subsequent cash receipts are applied to the outstanding principal balance or to interest income if, in the judgment of management, collection of the principal balance is not in question. Loans are returned to accrual status when they become current as to both principal and interest and perform in accordance with contractual terms for a period of at least six months, reducing the concern as to the collectability of principal and interest. Loan fees and certain direct loan origination costs are deferred, and the net fee or cost is recognized as an adjustment to interest income over the estimated average lives of the related loans.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Allowance for Credit Losses.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The allowance for credit losses is an estimate of expected losses inherent within the Company’s existing loans held for investment portfolio. The allowance for credit losses for loans held for investment, as reported in our consolidated balance sheet, is adjusted by a credit loss expense, which is reported in earnings, and reduced by the charge-off of loan amounts, net of recoveries. Accrued interest receivable on loans held for investment was $<span id="xdx_909_eus-gaap--FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_iI_pn5n6_c20240331_zAwHueHKG8Oj" title="Accrued interest receivable on loans held for investment">7.6</span> million at March 31, 2024 and $<span id="xdx_902_eus-gaap--FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_iI_pn5n6_c20231231_zYho201gqLN3" title="Accrued interest receivable on loans held for investment">7.5</span> million at December 31, 2023 and is excluded from the estimate of credit losses.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The loan loss estimation process involves procedures to appropriately consider the unique characteristics of loan portfolio segments, which consist of commercial real estate loans, residential real estate loans, commercial and industrial loans, and consumer loans. These segments are further disaggregated into loan classes, the level at which credit risk is monitored. For each of these pools, the Company generates cash flow projections at the instrument level wherein payment expectations are adjusted for estimated prepayment speed, curtailments, time to recovery, probability of default, and loss given default. The modeling of expected prepayment speeds, curtailment rates, and time to recovery are based on historical internal data. The quantitative component of the ACL on loans is model-based and utilizes a forward-looking macroeconomic forecast. The Company uses a discounted cash flow method, incorporating probability of default and loss given default forecasted based on statistically derived economic variable loss drivers, to estimate expected credit losses. This process includes estimates which involve modeling loss projections attributable to existing loan balances, and considering historical experience, current conditions, and future expectations for pools of loans over a reasonable and supportable forecast period. The historical information either experienced by the Company or by a selection of peer banks, when appropriate, is derived from a combination of recessionary and non-recessionary performance periods for which data is available.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Commercial real estate loans</b>. Loans in this segment include commercial real estate, multi-family dwellings, owner-occupied commercial real estate and income producing investment properties, as well as commercial construction loans for commercial development projects throughout New England. The underlying cash flows generated by the properties or operations can be adversely impacted by a downturn in the economy due to increased vacancy rates or diminished cash flows, which in turn, would have an effect on the credit quality in this segment. Management obtains financial information annually and continually monitors the cash flows of these loans.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Residential real estate loans</b>. This portfolio segment consists of first mortgages, home equity loans, and home equity lines secured by one-to-four family residential properties. First mortgages may be underwritten to a maximum loan-to-value of <span id="xdx_909_ecustom--FirstMortgagesMaximumLoanToValuePercentageOwnerOccupiedHomes_pid_dp_uPure_c20240101__20240331_zThOrt5ZdZwa">97</span>% for owner-occupied homes, <span id="xdx_900_ecustom--FirstMortgagesMaximumLoanToValuePercentageSecondHomes_pid_dp_uPure_c20240101__20240331_zupqekRicZV6">90</span>% for second homes and <span id="xdx_909_ecustom--FirstMortgagesMaximumLoanToValuePercentageInvestmentProperties_pid_dp_uPure_c20240101__20240331_z2QuiSin5u9b">85</span>% for investment properties. Mortgages with loan-to-values greater than <span id="xdx_90D_ecustom--LoanToValueRatioRequiringPrivateMortgageInsurance_pid_dp_uPure_c20240101__20240331_zs8bbK5DJ1E7" title="Loan-to-value ratio requiring private mortgage insurance">80</span>% require private mortgage insurance. We do not grant subprime loans. Home equity loans and lines are secured by first or second mortgages on one-to-four family owner-occupied properties. Equity loans and lines are underwritten to a maximum combined loan-to-value of <span id="xdx_90A_ecustom--ResidentialEquityLoansAndLinesMaximumPercentageOfAppraisedValueUnderwritten_pid_dp_uPure_c20240101__20240331_zdcKvQiVid87">85</span>% of the appraised value of the property. Underwriting approval is dependent on review of the borrower’s ability to repay and credit history in accordance with Westfield Bank’s policy. The overall health of the economy, including unemployment rates and housing pricing, will have an effect on the credit quality in this segment.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Commercial and industrial loans</b>. Loans in this segment include commercial business loans and are generally secured by assignments of corporate assets and personal guarantees of the business owners. Repayment is expected from the cash flows of the business. A weakened economy, and resultant decreased consumer spending, will have an effect on the credit quality in this segment.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Consumer loans</b>. Loans in this segment are both secured and unsecured and repayment is dependent on the credit quality of the individual borrower.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Discounted cash flow method (“DCF”)</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In estimating the component of the allowance for credit losses for loans that share similar risk characteristics with other loans, such loans are segregated into loan classes. Loans are designated into loan classes based on loans pooled by product types and similar risk characteristics or areas of risk concentration. In determining the allowance for credit losses, we derive an estimated credit loss assumption from a model that categorizes loan pools based on loan type and purpose. This model calculates an expected loss percentage for each loan class by considering the probability of default, using life-of-loan analysis periods for all loan segments, and the historical severity of loss, based on the aggregate net lifetime losses incurred per loan class. The default and severity factors used to calculate the allowance for credit losses for loans that share similar risk characteristics with other loans are adjusted for differences between the historical period used to calculate historical default and loss severity rates and expected conditions over the remaining lives of the loans in the portfolio related to: (1) lending policies and procedures; (2) international, national, regional and local economic business conditions and developments that affect the collectability of the portfolio; (3) the nature and volume of the loan portfolio including the terms of the loans; (4) the experience, ability, and depth of the lending management and other relevant staff; (5) the volume and severity of past due and adversely classified loans and the volume of nonaccrual loans; (6) the quality of our loan review system and (7) the value of underlying collateral for collateralized loans. Additional factors include the existence and effect of any concentrations of credit, and changes in the level of such concentrations and the effect of external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the existing portfolio. Such factors are used to adjust the historical probabilities of default and severity of loss so that they reflect management expectation of future conditions based on a reasonable and supportable forecast. The Company uses regression analysis of historical internal and peer data to determine which variables are best suited to be economic variables utilized when modeling lifetime probability of default and loss given default. This analysis also determines how expected probability of default and loss given default will react to forecasted levels of the economic variables.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For all DCF models, management has determined that four quarters represents a reasonable and supportable forecast period and reverts back to a historical loss rate over four quarters on a straight-line basis. Other internal and external indicators of economic forecasts are also considered by management when developing the forecast metrics.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Individually evaluated financial assets</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For a loan that does not share risk characteristics with other loans, expected credit loss is measured based on net realizable value, that is, the difference between the discounted value of the expected future cash flows, based on the original effective interest rate, and the amortized cost basis of the loan. For these loans, we recognize expected credit loss equal to the amount by which the net realizable value of the loan is less than the amortized cost basis of the loan (which is net of previous charge-offs and deferred loan fees and costs), except when the loan is collateral dependent, that is, when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. In these cases, expected credit loss is measured as the difference between the amortized cost basis of the loan and the fair value of the collateral. The fair value of the collateral is adjusted for the estimated cost to sell if repayment or satisfaction of a loan is dependent on the sale (rather than only on the operation) of the collateral.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Allowance for credit losses on off-balance sheet credit exposures, including unfunded loan commitments</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company maintains a separate allowance for credit losses from off-balance-sheet credit exposures, including unfunded loan commitments, which is included in other liabilities on the balance sheet. Management estimates the amount of expected losses by calculating a commitment usage factor over the contractual period for exposures that are not unconditionally cancellable by the Company and applying the loss factors used in the ACL methodology to the results of the usage calculation to estimate the liability for credit losses related to unfunded commitments for each loan type. No credit loss estimate is reported for off-balance-sheet credit exposures that are unconditionally cancellable by the Company, such as undrawn amounts under such arrangements that may be drawn prior to the cancellation of the arrangement. The allowance for credit losses on off-balance sheet credit exposures is adjusted as credit loss expense. Categories of off-balance sheet credit exposures correspond to the loan portfolio segments described above. Management evaluates the need for a reserve on unfunded loan commitments in a manner consistent with loans held for investment.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_895_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_zjXpjjuPrFje" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">An analysis of changes in the allowance for credit losses by segment for the three months ended March 31, 2024 and March 31, 2023 is as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialRealEstateMember_ztzehCEglxr" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B4_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ResidentialPortfolioSegmentMember_z0pjrhToUvek" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialAndIndustrialSectorMember_zpjX8SwTX2Ei" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial and Industrial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_zIiRgNKvr6o5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B0_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_custom--UnallocatedMember_zBeCbGslduSh" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unallocated</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BC_zWyI146Mvz62" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="22" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_43E_c20240101__20240331_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zu2BeZYGlUig" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 28%; font-weight: bold">Balance at December 31, 2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">15,141</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">2,548</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">2,537</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">41</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1308">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">20,267</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_43C_c20240101__20240331_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zMGXJJEeD5j1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -4.5pt; padding-left: 12.55pt">Provision (reversal) for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(398</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(71</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(95</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">114</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1315">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(450</td><td style="text-align: left">)</td></tr> <tr id="xdx_433_c20240101__20240331_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_zhLbKNXTUIOh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 8.2pt">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1318">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(7</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(59</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1322">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(67</td><td style="text-align: left">)</td></tr> <tr id="xdx_436_c20240101__20240331_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zc6BLmq92378" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: 8.2pt">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">28</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">11</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">67</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">28</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1329">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">134</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_439_c20240101__20240331_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_zLl2IBKwHng9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt">Balance at March 31, 2024</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">14,771</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,481</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,508</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">124</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1336">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">19,884</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_435_c20240101__20240331_eus-gaap--OffBalanceSheetCreditLossLiabilityAbstract_iB_zpzeWHANHeO1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left">Allowance for credit losses for off-balance sheet exposures</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_43E_c20240101__20240331_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_z4g7jTNdg796" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold">Balance at December 31, 2023</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">375</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1349">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1350">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">597</td><td style="text-align: left"> </td></tr> <tr id="xdx_432_c20240101__20240331_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_pn3n3_zjYusruI8Ej3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -4.5pt; padding-left: 12.55pt">Provision (reversal) for credit losses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(111</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">21</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(10</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1356">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1357">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(100</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_434_c20240101__20240331_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_zeXyjGePqq4a" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 2.5pt">Balance at March 31, 2024</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">264</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">184</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">49</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1363">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1364">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">497</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialRealEstateMember_zo0xycvwn906" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B4_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ResidentialPortfolioSegmentMember_zg1DtaAgsdK9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialAndIndustrialSectorMember_zWMWrbMO4LNj" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial and Industrial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_zuh2tvuDKf3j" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B0_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_custom--UnallocatedMember_zGizDdt9NBU8" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unallocated</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BC_zcFG7rSc3d0b" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="22" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_437_c20230101__20230331_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zwo5PcyehkFc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 28%; font-weight: bold">Balance at December 31, 2022</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">12,199</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">4,312</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">3,160</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">245</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">15</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">19,931</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_430_c20230101__20230331__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zWP45DppWnM3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -4.3pt; padding-left: 12.55pt">Cumulative effect of change in accounting principle</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,989</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(2,518</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(75</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(199</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(15</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,182</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_430_c20230101__20230331__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zjOjcv487Jn4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Adjusted Beginning Balance</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">16,188</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,794</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">46</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1386">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_c20230101__20230331__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember_zFV8uxlAWFld" style="text-align: right" title="Beginning balance, allowance for credit losses">21,113</td><td style="text-align: left"> </td></tr> <tr id="xdx_435_c20230101__20230331_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zOVMuqCZDP23" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -4.5pt; padding-left: 12.55pt">Provision (reversal) for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(349</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">83</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1395">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(232</td><td style="text-align: left">)</td></tr> <tr id="xdx_430_c20230101__20230331_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_zfVIRXK2rv9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 8.2pt">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(414</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1399">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,413</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(35</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1402">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,862</td><td style="text-align: left">)</td></tr> <tr id="xdx_43D_c20230101__20230331_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zehNjE6QqEJ3" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: 8.2pt">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1405">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1406">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">11</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1409">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">12</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_435_c20230101__20230331_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_zEWhkz3VGR99" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt">Balance at March 31, 2023</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,425</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,877</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,676</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">53</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1416">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_c20230101__20230331_zHJb2IMgPiVd" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance, allowance for credit losses">19,031</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_43D_c20230101__20230331_eus-gaap--OffBalanceSheetCreditLossLiabilityAbstract_iB_z6GRFU3qdla7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.125in; text-indent: -0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Allowance for credit losses for off-balance sheet exposures</b></span></p></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_435_c20230101__20230331_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_z9jyRlXbRyHa" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold">Balance at December 31, 2022</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1428">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1429">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1430">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1431">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1432">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1433">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_431_c20230101__20230331__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_zFTddTwzFG9b" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -4.5pt; padding-left: 12.55pt">Cumulative effect of change in accounting principle</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">611</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">267</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">40</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1438">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1439">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--OffBalanceSheetCreditLossLiability_iS_c20230101__20230331__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_zaeRvZqB2lJf" style="text-align: right" title="Beginning balance">918</td><td style="text-align: left"> </td></tr> <tr id="xdx_435_c20230101__20230331_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_pn3n3_zYSvxnoogP1b" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -4.5pt; padding-left: 12.55pt">Provision (reversal) for credit losses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(93</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(62</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1447">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1448">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(156</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_43D_c20230101__20230331_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_z5IG2oZLEYDa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt">Balance at March 31, 2023</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">518</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">205</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">39</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1454">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1455">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_c20230101__20230331_zPcBMVvUBiwi" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance">762</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A5_zLxemVFzxxT5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">The $<span id="xdx_908_eus-gaap--ProvisionForLoanLeaseAndOtherLosses_iN_pn3p0_di_c20240101__20240331_zIfowOYRylHc" title="Provision for credit losses">550,000</span> reversal of credit losses during the three months ended March 31, 2024 was comprised of a $<span id="xdx_90B_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_iN_pn3p0_di_c20240101__20240331_zFEDL6ELvC1i" title="Provision for loan losses">450,000</span> reversal of credit losses for loans and a $<span id="xdx_90A_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_iN_pn3p0_di_c20240101__20240331_zIMWJuA8RaMa" title="Reversal for credit losses for off-balance sheet exposures">100,000</span> reversal of credit losses for unfunded commitments. The $<span id="xdx_900_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_iN_pn3p0_di_c20240101__20240331_zP1OZwPBoFBf" title="Reversal for credit losses for off-balance sheet exposures">100,000</span> reversal of credit losses for unfunded commitments for the three months ended March 31, 2024 was primarily related to the impact of lower unfunded loan commitments. Total unfunded loan commitments decreased $<span id="xdx_906_eus-gaap--IncreaseDecreaseInFinanceReceivables_iN_pn5n6_di_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--UnfundedLoanCommitmentMember_zn3rLNKJIw52" title="Decrease in unfunded commitments">12.4</span> million, or <span id="xdx_902_ecustom--PercentageIncreaseDecreaseInOffBalanceSheetExposure_iN_dpi_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--UnfundedLoanCommitmentMember_zjnmcZLwzpTf" title="Percentage of decrease in off-balance sheet exposure">7.6</span>%, to $<span id="xdx_901_eus-gaap--FairValueDisclosureOffbalanceSheetRisksAmountLiability_iI_pn5n6_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--UnfundedLoanCommitmentMember_z58U2C2bnoek" title="Total unfunded loan commitments">149.9</span> million at March 31, 2024 from $<span id="xdx_904_eus-gaap--FairValueDisclosureOffbalanceSheetRisksAmountLiability_iI_pn5n6_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--UnfundedLoanCommitmentMember_zRye1SgLglfb" title="Total unfunded loan commitments">162.3</span> million at December 31, 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The provision for credit losses was determined by a number of factors: the continued strong credit performance of the Company’s loan portfolio, changes in the loan portfolio mix and management’s consideration of existing economic conditions and the economic outlook from the Federal Reserve’s actions to control inflation. Management continues to monitor macroeconomic variables related to increasing interest rates, inflation and the concerns of an economic downturn, and believes it is appropriately reserved for the current economic environment and supportable forecast period.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Past Due Loans.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_896_eus-gaap--PastDueFinancingReceivablesTableTextBlock_zq741kjGmP27" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following tables present an age analysis of past due loans as of the dates indicated:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">30 – 59 Days Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">60 – 89 Days Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">90 Days or More Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Past Due Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total  </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Current Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="26" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span style="text-decoration: underline">March 31, 2024</span></td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="text-align: right"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 23%; text-align: left">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z6mfdiHA9ic" style="width: 8%; text-align: right">522</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zYvprA9AEXXi" style="width: 8%; text-align: right">3</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_ziVsspW6YDG4" style="width: 8%; text-align: right">799</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zyrNoHADczx9" style="width: 8%; text-align: right">1,324</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zpBZqPXXSRn7" style="width: 8%; text-align: right">1,082,586</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zaVL0XgXDsB9" style="width: 8%; text-align: right">1,083,910</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zmoPtemCxcG7" style="width: 8%; text-align: right">1,035</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -1.15pt; padding-left: 10.05pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zebotA1in4Ej" style="text-align: right">1,547</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zzUH0xcEn0Za" style="text-align: right">514</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zRlgN6EkP9p6" style="text-align: right">800</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zVnBbLngkNHg" style="text-align: right">2,861</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zTgeVNYMjZgj" style="text-align: right">612,416</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zqpPpI4R3V64" style="text-align: right">615,277</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zELgRkcgLDBd" style="text-align: right">4,492</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9pt">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zurgaMzM6IDa" style="border-bottom: Black 1pt solid; text-align: right">347</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zuQYhGYVHcs4" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1492">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zb9Lln2Xp6Xd" style="border-bottom: Black 1pt solid; text-align: right">101</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zKtTVMHtfWbi" style="border-bottom: Black 1pt solid; text-align: right">448</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zQYV8eN20hwb" style="border-bottom: Black 1pt solid; text-align: right">111,040</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_z1R9vT47pwAf" style="border-bottom: Black 1pt solid; text-align: right">111,488</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zjvjx6Xkwiu1" style="border-bottom: Black 1pt solid; text-align: right">101</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 22.5pt">Total:</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zfWzjGk2PqU9" style="border-bottom: Black 1pt solid; text-align: right">1,894</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zMT1bFOkO4hh" style="border-bottom: Black 1pt solid; text-align: right">514</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zIZymPaY7VRe" style="border-bottom: Black 1pt solid; text-align: right">901</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zaef47piT7hd" style="border-bottom: Black 1pt solid; text-align: right">3,309</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zeG8Ug3qUbX5" style="border-bottom: Black 1pt solid; text-align: right">723,456</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zPydRIO3tas8" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans">726,765</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zCNHdXV5EwCh" style="border-bottom: Black 1pt solid; text-align: right" title="Non-Accrual Loans">4,593</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zxG9iIPplkh7" style="text-align: right">60</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zc2dVkP0Xct2" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1508">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zzst6CgB8joe" style="text-align: right">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zcqPM9F5mk15" style="text-align: right">69</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zF1UVpQj88Bh" style="text-align: right">207,238</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zyuveHHnPEM3" style="text-align: right">207,307</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zOZstRXQJzA8" style="text-align: right">201</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zLIN162toZ1k" style="border-bottom: Black 1pt solid; text-align: right">7</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zBnbftzBC5ol" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1515">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zSz3i4c9EmVl" style="border-bottom: Black 1pt solid; text-align: right">7</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zqDAKRo6czRb" style="border-bottom: Black 1pt solid; text-align: right">14</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zPsG62WydRk9" style="border-bottom: Black 1pt solid; text-align: right">4,984</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z1RESjQun9al" style="border-bottom: Black 1pt solid; text-align: right">4,998</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zEZYybFEkjz2" style="border-bottom: Black 1pt solid; text-align: right">8</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: 10.5pt">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zZUogmXl50Gb" style="border-bottom: Black 2.5pt double; text-align: right">2,483</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zrwIQKCuAr0h" style="border-bottom: Black 2.5pt double; text-align: right">517</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zbliEAKRIRll" style="border-bottom: Black 2.5pt double; text-align: right">1,716</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_z4O6BJqWzVz3" style="border-bottom: Black 2.5pt double; text-align: right">4,716</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zA5vGWKsCwL4" style="border-bottom: Black 2.5pt double; text-align: right">2,018,264</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331_zKJfhrpIghAd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans">2,022,980</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20240331_zcFg9mg440Sk" style="border-bottom: Black 2.5pt double; text-align: right" title="Non-Accrual Loans">5,837</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">30 – 59 Days Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">60 – 89 Days Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">90 Days or More Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Past Due Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total  </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Current Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="26" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span style="text-decoration: underline">December 31, 2023</span></td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="text-align: right"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 23%; text-align: left">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zVJwKUCsM523" style="width: 8%; text-align: right">272</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zmuxfndWbnKl" style="width: 8%; text-align: right">647</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zAinE9uO148h" style="width: 8%; text-align: right">403</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zJD99AtVwIJ3" style="width: 8%; text-align: right">1,322</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zBGE7hp7pnd1" style="width: 8%; text-align: right">1,078,429</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zK9SEkJsMmjb" style="width: 8%; text-align: right">1,079,751</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zKqJHjIEPbC4" style="width: 8%; text-align: right">1,347</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -1.15pt; padding-left: 10.05pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zjbRQEPK12Qj" style="text-align: right">2,354</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_ztBZCh6eIYak" style="text-align: right">934</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zlHeNIYfNRU9" style="text-align: right">881</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_z3jMkd2KsjI2" style="text-align: right">4,169</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zQylPut0epNk" style="text-align: right">608,146</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_z3yvRiuR6pl2" style="text-align: right">612,315</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zUabXj0wg7Vb" style="text-align: right">4,739</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9pt">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zCNIdWs1Bcae" style="border-bottom: Black 1pt solid; text-align: right">263</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_z62Pa6YbSNA3" style="border-bottom: Black 1pt solid; text-align: right">112</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zgAJM4c2gFE5" style="border-bottom: Black 1pt solid; text-align: right">102</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zparQhyKk3re" style="border-bottom: Black 1pt solid; text-align: right">477</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zgwfjCDu3j0k" style="border-bottom: Black 1pt solid; text-align: right">109,362</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zMhBZIp0eET2" style="border-bottom: Black 1pt solid; text-align: right">109,839</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zuqqcikuEYY8" style="border-bottom: Black 1pt solid; text-align: right">109</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 22.5pt">Total:</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zn76atdWaGj6" style="border-bottom: Black 1pt solid; text-align: right">2,617</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_z5JeKeNxnihi" style="border-bottom: Black 1pt solid; text-align: right">1,046</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z07UrmyhC5xd" style="border-bottom: Black 1pt solid; text-align: right">983</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zBRefVtI46y2" style="border-bottom: Black 1pt solid; text-align: right">4,646</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zFzGbUhxhX08" style="border-bottom: Black 1pt solid; text-align: right">717,508</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zuOdx3EVQ9Jf" style="border-bottom: Black 1pt solid; text-align: right">722,154</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zSu7EWBCkAhd" style="border-bottom: Black 1pt solid; text-align: right">4,848</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zEUKTCOyBkSi" style="text-align: right">20</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zQ6qQuxJHF3c" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1560">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z72Lku4gBsd4" style="text-align: right">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zKwfuQJo9dPd" style="text-align: right">28</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zdCk4cDvOX7i" style="text-align: right">217,419</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z8Eji9BSyA9d" style="text-align: right">217,447</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z4SpluSRECxi" style="text-align: right">218</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zUpXB3RqT7t3" style="border-bottom: Black 1pt solid; text-align: right">3</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zn453JEVtoBc" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1567">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z6Hahyb5eW88" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1568">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zVRWCG8AcrW5" style="border-bottom: Black 1pt solid; text-align: right">3</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zyc3eaEqxVah" style="border-bottom: Black 1pt solid; text-align: right">5,469</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zjMI5SE7g2v5" style="border-bottom: Black 1pt solid; text-align: right">5,472</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zkKj379W3sb6" style="border-bottom: Black 1pt solid; text-align: right">8</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: 10.5pt">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z3MOWLpb9It9" style="border-bottom: Black 2.5pt double; text-align: right">2,912</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zNfAKh9PwzHa" style="border-bottom: Black 2.5pt double; text-align: right">1,693</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z1kvIv4RNYle" style="border-bottom: Black 2.5pt double; text-align: right">1,394</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zUQy6vth1yG5" style="border-bottom: Black 2.5pt double; text-align: right">5,999</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zeCR3KKdlmRh" style="border-bottom: Black 2.5pt double; text-align: right">2,018,825</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231_zYLo9u9pd8rb" style="border-bottom: Black 2.5pt double; text-align: right">2,024,824</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231_z9BZbPyNMojk" style="border-bottom: Black 2.5pt double; text-align: right">6,421</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A0_zaC0jldF4Uhl" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At March 31, 2024, total past due loans totaled $<span id="xdx_902_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_dxL_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zwygV8PwPo8e" title="Total loans::XDX::4716"><span style="-sec-ix-hidden: xdx2ixbrl1581">4.7</span></span> million, or <span id="xdx_908_eus-gaap--FinancingReceivablePercentPastDue1_iI_pid_dp_uPure_c20240331_z8cAExPuN1k" title="Total past due, percentage of total loans">0.23</span>% of total loans, and at December 31, 2023, total past due loans totaled $<span id="xdx_906_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_dxL_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zbxnu7zgqQRh" title="Total loans::XDX::5999"><span style="-sec-ix-hidden: xdx2ixbrl1585">6.0</span></span> million, or <span id="xdx_90B_eus-gaap--FinancingReceivablePercentPastDue1_iI_pid_dp_uPure_c20231231_zOB0yQRh6rS" title="Total past due, percentage of total loans">0.30</span>% of total loans.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Nonaccrual Loans.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrual of interest on loans is generally discontinued when contractual payment of principal or interest becomes past due 90 days or, if in management’s judgment, reasonable doubt exists as to the full timely collection of interest. Exceptions may be made if the loan has matured and is in the process of renewal or is well-secured and in the process of collection. When a loan is placed on nonaccrual status, interest accruals cease and uncollected accrued interest is reversed and charged against current interest income. Interest payments on nonaccrual loans are generally applied to principal. If collection of the principal is reasonably assured, interest payments are recognized as income on the cash basis. Loans are generally returned to accrual status when principal and interest payments are current, full collectability of principal and interest is reasonably assured and a consistent record of at least six consecutive months of performance has been achieved.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_896_eus-gaap--ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_zMqAQkyOwaR1" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following table presents information regarding nonaccrual loans as of the dates indicated:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 90%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" id="xdx_481_ecustom--FinancingReceivableNonaccrualWithAllowance_iI_pn3n3_zdJHW78w2mzj" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_483_eus-gaap--FinancingReceivableNonaccrualNoAllowance_iI_pn3n3_zLk2z5c6K50c" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_482_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_zMzMsytv76re" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of March 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the Three Months Ended March 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual Loans with Allowance for Credit Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual Loans Without Allowance for Credit Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total Nonaccrual Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Accrued Interest Receivable Reversed from Income</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_419_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zd6BVQOHOEVe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 38%; text-align: left">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1590">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,035</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,035</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zhMcCQ5XKyk8" style="width: 10%; text-align: right" title="Accrued Interest Receivable Reversed from Income">24</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_419_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zID9UlUuXNEd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 9pt">Residential</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1595">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,492</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,492</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_za6lXsofSZmh" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">55</td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zbmXarMQC6T8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 9pt">Home equity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1600">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">101</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">101</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zqt6W3V59Zki" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">3</td><td style="text-align: left"> </td></tr> <tr id="xdx_41F_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z3XGtTZI7te5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1605">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">201</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">201</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zgw7AHvAzK18" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">39</td><td style="text-align: left"> </td></tr> <tr id="xdx_41E_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zeT9kESEe4Z7" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1611">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zpjs8Yqv9WUg" style="border-bottom: Black 1pt solid; text-align: right" title="Accrued Interest Receivable Reversed from Income"><span style="-sec-ix-hidden: xdx2ixbrl1614">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41C_20240331_zGqDXpDvVrYc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">8</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,829</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,837</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20240331_zmWPEt61Loi7" style="border-bottom: Black 2.5pt double; text-align: right" title="Accrued Interest Receivable Reversed from Income">121</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 90%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" id="xdx_481_ecustom--FinancingReceivableNonaccrualWithAllowance_iI_pn3n3_zNLnkoUdFNAg" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" id="xdx_483_eus-gaap--FinancingReceivableNonaccrualNoAllowance_iI_pn3n3_zCvc8HCNF1X" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" id="xdx_482_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_z5Ab4zcgBuok" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the Three Months Ended March 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual Loans with Allowance for Credit Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual Loans Without Allowance for Credit Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total Nonaccrual Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Accrued Interest Receivable Reversed from Income</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_411_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zyzj29McmHz6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 38%; text-align: left">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1621">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,347</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,347</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_z9oSoRqckLK9" style="width: 10%; text-align: right" title="Accrued Interest Receivable Reversed from Income">23</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_418_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zjaG0ZZpm0Nh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 9pt">Residential</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1626">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zjS2B5svysO2" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">45</td><td style="text-align: left"> </td></tr> <tr id="xdx_41C_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_z6GLnbxjQohl" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 9pt">Home equity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1631">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">109</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">109</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zR5m9Nxl6Nud" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">3</td><td style="text-align: left"> </td></tr> <tr id="xdx_41F_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zskH0HzJlOHi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1636">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">218</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">218</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zOH6ZvN5cltj" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">58</td><td style="text-align: left"> </td></tr> <tr id="xdx_417_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zu2ekryFc7W7" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1641">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zbNv515MNtIc" style="border-bottom: Black 1pt solid; text-align: right" title="Accrued Interest Receivable Reversed from Income"><span style="-sec-ix-hidden: xdx2ixbrl1645">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41C_20231231_zS1eObtngqN8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1646">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,421</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,421</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230331_zbIS5jPAx54" style="border-bottom: Black 2.5pt double; text-align: right" title="Accrued Interest Receivable Reversed from Income">129</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A3_zDfwWK54xsV6" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At March 31, 2024 and December 31, 2023, nonaccrual loans totaled $<span id="xdx_90D_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_dxL_c20240331_zzDXbzo6Qhe3" title="Nonaccrual loans::XDX::5837"><span style="-sec-ix-hidden: xdx2ixbrl1652">5.8</span></span> million, or <span id="xdx_90A_esrt--FinancingReceivableNonaccrualToOutstandingPercent_iI_pid_dp_uPure_c20240331_zwd91nt5UkO1" title="Nonaccrual loans, percentage of total loans">0.29</span>% of total loans, and $<span id="xdx_90B_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_dxL_c20231231_zdlRrDVmGrB" title="Nonaccrual loans::XDX::6421"><span style="-sec-ix-hidden: xdx2ixbrl1656">6.4</span></span> million, or <span id="xdx_909_esrt--FinancingReceivableNonaccrualToOutstandingPercent_iI_pid_dp_uPure_c20231231_z4P2vZzjpGc1" title="Nonaccrual loans, percentage of total loans">0.32</span>%, of total loans, respectively. The Company did not recognize any interest income on nonaccrual loans for the three months ended March 31, 2024 and 2023. At March 31, 2024 and December 31, 2023, there were no commitments to lend additional funds to any borrower on nonaccrual status. At March 31, 2024 and December 31, 2023, there were no loans 90 or more days past due and still accruing interest.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Individually Evaluated Collateral Dependent Loans.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans that do not share similar risk characteristics with loans that are pooled into portfolio segments are individually evaluated. A loan is considered collateral dependent when, based on current information and events, the borrower is experiencing financial difficulty and repayment, both principal and interest, is expected to be provided substantially through the operation or sale of the collateral. Loans that are rated Substandard, have a loan-to-value above 85% or have demonstrated a specific weakness (e.g. slow payment history, industry weakness, or other clear credit deterioration) may be considered for individual evaluation if they are determined not to share similar risk characteristics within the segment. Individually evaluated assets will be measured primarily using the collateral dependent financial asset practical expedient, although the discounted cash flow method may be used when management deems it more appropriate or collateral values cannot be supported. For individually evaluated assets, an ACL is determined separately for each financial asset. At March 31, 2024, the Company had $<span id="xdx_906_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3p0_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zuO25srVVttf" title="Individually evaluated loans">822,000</span> in individually evaluated commercial loans, collateralized by business assets, and $<span id="xdx_902_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn5n6_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateLoanMember_zuGGs4Eg4aKk" title="Individually evaluated loans">14.8</span> million in individually evaluated real estate loans, collateralized by real estate property.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89C_ecustom--FinancingReceivableIndividuallyEvaluatedForImpairmentTableTextBlock_zMzCOP7NYsNh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following table summarizes the Company’s individually evaluated collateral dependent loans by class as of the dates indicated:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 70%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of March 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Recorded Investment</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Related Allowance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">With no related allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; text-align: left; text-indent: 3.75pt">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember_zguFGlPIhyt5" style="width: 10%; text-align: right" title="Loans with no related allowance recorded, recorded investment">10,063</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 3.75pt">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 12.75pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember_zhJL5UmkUWp3" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">4,665</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.75pt">Home equity</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember_zuvvHBJ77Ki1" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">101</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 3.75pt">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember_zvgXIodT4IF4" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">305</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: 3.75pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 21.75pt">Loans with no related allowance recorded</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_988_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20240331__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember_zVMSxPV2p999" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">15,134</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 3.75pt">Commercial real estate</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 3.75pt">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 12.75pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 12.75pt">Home equity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 3.75pt">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_znJ2YTV9nIka" style="text-align: right" title="Loans with an allowance recorded, recorded investment">517</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_z9zdMEDjgM16" style="text-align: right" title="Loans with an allowance recorded, related allowance">179</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 3.75pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 21.75pt">Loans with an allowance recorded</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20240331__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_zIpDDsZL1hP7" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, recorded investment">517</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20240331__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_zWIdZbgngHsf" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, related allowance">179</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total individually evaluated loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20240331_zbYpcPkPeyp6" style="border-bottom: Black 2.5pt double; text-align: right" title="Total individually evaluated loans, recorded investment">15,651</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20240331_zz4x3JZiDnQg" style="border-bottom: Black 2.5pt double; text-align: right">179</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 70%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Recorded Investment</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Related Allowance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">With no related allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; text-align: left; text-indent: 3.75pt">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zDBtHijOkSf9" style="width: 10%; text-align: right" title="Loans with no related allowance recorded, recorded investment">10,648</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 3.75pt">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 12.75pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zLbcOz2yO9jg" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">5,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.75pt">Home equity</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zihPlCJm6uZb" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">109</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 3.75pt">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zdsmSZ9shhr2" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">13,273</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: 3.75pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zV6ZJ2ztpJFg" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">8</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 21.75pt">Loans with no related allowance recorded</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember_zcfeVR3SqaZa" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">29,201</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 3.75pt">Commercial real estate</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 3.75pt">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 12.75pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 12.75pt">Home equity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 3.75pt">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zzleqlbqlpt5" style="text-align: right" title="Loans with an allowance recorded, recorded investment">517</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zdzBjlJNMrq4" style="text-align: right" title="Loans with an allowance recorded, related allowance">179</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 3.75pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 21.75pt">Loans with an allowance recorded</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_z74I7fsY2BA7" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, recorded investment">517</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_zNRXS0ysa4Z1" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, related allowance">179</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total individually evaluated loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231_zRR7p2klw1p1" style="border-bottom: Black 2.5pt double; text-align: right" title="Individually evaluated loans, recorded investment">29,718</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20231231_zNNhzquTteJe" style="border-bottom: Black 2.5pt double; text-align: right">179</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AE_zG20r7GEEvCe" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Modified Loans. </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans are designated as modified when, as part of an agreement to modify the original contractual terms of the loan as a result of financial difficulties of the borrower, the Company grants the borrower a concession on the terms that would not otherwise be considered. Typically, such concessions may consist of a reduction in interest rate to a below market rate, taking into account the credit quality of the note, extension of additional credit based on receipt of adequate collateral, or a deferment or reduction of payments (principal or interest) which materially alters the Company’s position or significantly extends the note’s maturity date, such that the present value of cash flows to be received is materially less than those contractually established at the loan’s origination.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">There were no loan modifications during the three months ended March 31, 2024 and for the year ended December 31, 2023. During the three months ended March 31, 2024 and 2023, no modified loans defaulted (defined as 30 days or more past due) within 12 months of restructuring. There were no charge-offs on modified loans during the three months ended March 31, 2024 or 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Credit Quality Information.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company utilizes an eight-grade internal loan rating system for commercial real estate and commercial and industrial loans. The Company’s internal credit risk grades are based on the definitions currently utilized by the banking regulatory agencies. The grades assigned and definitions are as follows, and loans graded excellent, above average, good (risk ratings 1-4) are treated as “pass” for grading purposes. All loans risk rated Special Mention (5), Substandard (6), Doubtful (7) and Loss (8) are listed on the Company’s criticized report and are reviewed not less than on a quarterly basis to assess the level of risk and to ensure that appropriate actions are being taken to minimize potential loss exposure. In addition, the Company closely monitors classified loans, defined as Substandard, Doubtful, and loss for signs of deterioration to mitigate the growth in nonaccrual loans, including performing additional due diligence, updating valuations and requiring additional financial reporting from the borrower. Loans identified as containing a loss are partially charged-off or fully charged-off. Performing residential real estate, home equity and consumer loans are grouped with “Pass” rated loans. Nonperforming residential real estate, home equity and consumer loans are risk rated as “Substandard” and individually evaluated.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans rated 1 – 4</b>: Loans rated 1-4 represent groups of loans that are not subject to adverse criticism as defined in regulatory guidance. Loans in these groups exhibit characteristics that represent acceptable risk.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans rated 5</b>: Loans rated 5 are considered “<i>Special Mention</i>” and may exhibit potential credit weaknesses or downward trends and are being monitored by management. Loans in this category are currently protected based on collateral and repayment capacity and do not constitute undesirable credit risk, but have potential weakness that may result in deterioration of the repayment process at some future date. This classification is used if a negative trend is evident in the obligor’s financial situation. Special Mention loans do not sufficiently expose the Company to warrant adverse classification.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans rated 6</b>: Loans rated 6 are considered “<i>Substandard</i>.” A loan is classified as Substandard if the borrower exhibits a well-defined weakness and may be inadequately protected by the current net worth and cash flow capacity to pay the current debt.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans rated 7</b>: Loans rated 7 are considered “<i>Doubtful</i>.” Loans classified as Doubtful have all the weaknesses inherent in those classified Substandard with the added characteristic that the weaknesses make collection or liquidation of the loan highly questionable and improbable. The possibility of some loss is extremely high, but because of specific pending factors that may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans rated 8</b>: Loans rated 8 are considered uncollectible. The loss classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off the asset because recovery and collection time may be affected in the future.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On an annual basis, or more often if needed, we formally review the ratings on all commercial real estate and commercial and industrial loans. In addition, management utilizes delinquency reports, the criticized loan report and other loan reports to monitor credit quality. In addition, at least on an annual basis, the Company contracts with an external loan review company to review the internal credit ratings assigned to loans in the commercial loan portfolio on a pre-determined schedule, based on the type, size, rating, and overall risk of the loan. During the course of its review, the third party examines a sample of loans, including new loans, existing relationships over certain dollar amounts and classified assets.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89E_eus-gaap--FinancingReceivableCreditQualityIndicatorsTableTextBlock_z4IBb0baIKK2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B0_zubc5ozd4Xjh">The following tables detail the amortized cost balances of the Company’s loan portfolio presented by risk rating and origination year as of the periods presented.</span> In addition, payment activity has been included as an additional credit quality indicator:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_480_eus-gaap--FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_iI_pn3n3_zfEh35qcCyrj" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_481_eus-gaap--FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_iI_pn3n3_zzq0BQ65kJZg"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_483_eus-gaap--FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_iI_pn3n3_zMvO2UVeVE82"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_484_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_iI_pn3n3_zMTPDzk0oJxc"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_484_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_iI_pn3n3_ztdG4f6jMr4a"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_485_eus-gaap--FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_iI_pn3n3_zInjasdKFl63"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_481_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolving_iI_pn3n3_zKEXjzKhS0W4" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_48E_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_iI_pn3n3_z001U5enZIC4" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_480_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_mtTotal1_zrVbSN3SxZ29" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="22" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Term Loan Origination by Year</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">March 31, 2024</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2023</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2022</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2021</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2020</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Prior</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans Converted to Term Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Total</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="34" style="text-align: center"><span style="font-size: 8pt">(Dollars in thousands)</span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="text-decoration: underline; font-weight: bold; text-align: left"><span style="font-size: 8pt">Commercial Real Estate:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41E_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zHPuvqcGBWo3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8.25pt; width: 19%"><span style="font-size: 8pt">Pass (Rated 1- 4)</span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">8,558</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">43,495</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">187,387</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">235,012</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">111,791</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">403,778</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">77,388</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1721">—</span></span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">1,067,409</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41C_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zwk3u7tfB2U9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8.25pt"><span style="font-size: 8pt">Special Mention (Rated 5)</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1723">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1724">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1725">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1726">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">174</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">3,684</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">693</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1730">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">4,551</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41D_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zm41gPRlKMh5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 8.25pt"><span style="font-size: 8pt">Substandard (Rated 6)</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1732">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1733">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1734">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1735">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">8,492</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3,458</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1738">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1739">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">11,950</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_418_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_z8AFeqJbZIDc" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt"><span style="font-size: 8pt">Total commercial real estate loans</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">8,558</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">43,495</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">187,387</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">235,012</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">120,457</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">410,920</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">78,081</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1748">—</span></span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">1,083,910</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 3.75pt"><span style="font-size: 8pt">Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 3.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 3.75pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_412_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zPXBbQQP7LC9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.55pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">8,558</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">43,495</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">187,387</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">235,012</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">120,457</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">409,885</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">78,081</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1757">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">1,082,875</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41F_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_z7hwjv5urYe9" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.55pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1759">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1760">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1761">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1762">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1763">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">1,035</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1765">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1766">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">1,035</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; font-weight: bold; text-align: left"><span style="font-size: 8pt">Residential One-to-Four Family:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_416_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_z7k7HxgFWCw2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 8.25pt"><span style="font-size: 8pt">Pass</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">11,361</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">57,844</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">91,010</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">93,134</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">123,881</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">224,744</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">7,904</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1775">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">609,878</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41B_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zvTz1zVYnOT9" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 8.25pt"><span style="font-size: 8pt">Substandard</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1777">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1778">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">446</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">484</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">872</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3,597</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1783">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1784">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">5,399</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41E_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zl1sjEG7ShS" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total residential one-to-four family</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">11,361</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">57,844</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">91,456</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">93,618</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">124,753</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">228,341</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">7,904</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1793">—</span></span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">615,277</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-size: 8pt"> Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_413_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zsdp3P0Pkkvf" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">11,361</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">57,844</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">91,010</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">93,134</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">123,881</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">225,651</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">7,904</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1802">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">610,785</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41B_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zQRdqumA8Oqg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1804">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1805">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">446</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">484</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">872</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">2,690</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1810">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1811">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">4,492</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-decoration: underline; font-weight: bold; text-align: left"><span style="font-size: 8pt">Home Equity:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41A_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zYbCivA0GdJl" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 8.25pt"><span style="font-size: 8pt">Pass</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">2,599</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">10,003</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">10,462</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">6,680</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">6,849</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">11,976</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">60,612</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">2,206</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">111,387</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_414_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_z4K9HWUraTnf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 8.25pt"><span style="font-size: 8pt">Substandard</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1822">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1823">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1824">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1825">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1826">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1827">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">90</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">11</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">101</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_415_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zSiDK6irx0Al" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt"><span style="font-size: 8pt">Total home equity loans</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">2,599</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">10,003</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">10,462</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">6,680</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">6,849</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">11,976</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">60,702</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">2,217</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">111,488</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.25in; text-indent: -0.125in"><span style="font-size: 8pt">Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_984_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_pn3n3_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityLoanMember_zvTYKqKfyr4a" style="text-align: right" title="Current period gross charge-offs, Prior"><span style="font-size: 8pt">7</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityLoanMember_zd2SVPVp51D6" style="text-align: right" title="Current period gross charge-offs"><span style="font-size: 8pt">7</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41E_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zGyAlh3yByr6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">2,599</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">10,003</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">10,462</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">6,680</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">6,849</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">11,976</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">60,612</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">2,206</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">111,387</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_413_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zALk0qiZIBue" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1853">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1854">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1855">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1856">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1857">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1858">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">90</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">11</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">101</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="22" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Term Loans Originated by Year</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">March 31, 2024</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2023</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2022</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2021</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2020</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Prior</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans Converted to Term Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Total</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="34" style="text-align: center"><span style="font-size: 8pt">(Dollars in thousands)</span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="text-decoration: underline; font-weight: bold; text-align: left"><span style="font-size: 8pt">Commercial and Industrial:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_414_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_z4TT2o3hkg1k" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.25pt; width: 19%"><span style="font-size: 8pt">Pass (Rated 1- 4)</span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">6,463</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">23,412</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">34,411</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">30,525</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">17,998</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">25,793</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">53,851</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">68</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">192,521</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_416_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zE1cgZSR4k9h" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Special Mention (Rated 5)</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1872">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">6,200</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">95</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">35</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1876">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">2,052</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">2,266</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1879">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">10,648</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41C_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zpVLzzxI2Wy7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 8.25pt"><span style="font-size: 8pt">Substandard (Rated 6)</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1881">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1882">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1883">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1884">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">527</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">74</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3,537</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1888">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">4,138</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41A_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z5LUOs4rpTAg" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total commercial and industrial loans</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">6,463</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">29,612</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">34,506</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">30,560</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">18,525</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">27,919</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">59,654</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">68</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">207,307</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_982_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_iP3custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zAwWlcpACcw" style="text-align: right" title="Current period gross charge-offs, Revolving Loans Converted to Term Loans"><span style="font-size: 8pt">1</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zb6Vi8d9Ccyc" style="text-align: right"><span style="font-size: 8pt">1</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 8.25pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.05pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41C_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zhy9Vtp8W2X6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.55pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">6,463</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">29,612</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">34,506</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">30,560</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">18,525</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">27,913</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">59,459</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">68</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">207,106</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_411_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_z8YxUeedAMSc" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.55pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1911">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1912">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1913">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1914">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1915">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">6</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">195</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1918">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">201</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; font-weight: bold"><span style="font-size: 8pt">Consumer:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41B_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zvA9vz4h3Dw9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 8.25pt"><span style="font-size: 8pt">Pass</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">299</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">1,895</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">1,205</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">449</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">163</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">210</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">770</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1927">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">4,991</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_418_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zH8j83IsvLOf" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 8.25pt"><span style="font-size: 8pt">Substandard</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1929">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1930">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1931">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1932">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1933">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">7</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1935">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1936">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">7</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_410_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zi0rjF1nAdza" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt"><span style="font-size: 8pt">Total consumer loans</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">299</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">1,895</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">1,205</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">449</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">163</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">217</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">770</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1945">—</span></span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">4,998</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_988_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_maChargeOff_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zKKNKENJJgP" style="text-align: right"><span style="font-size: 8pt">59</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zp5ZDKWd3pgb" style="text-align: right"><span style="font-size: 8pt">59</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_412_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zpSMOaHct8S" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">299</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">1,895</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">1,205</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">449</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">163</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">210</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">769</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1956">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">4,990</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41C_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zgzKq6JebP83" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1958">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1959">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1960">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1961">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1962">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">7</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">1</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1965">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">8</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_489_eus-gaap--FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_iI_pn3n3_zQ9Z6UyjvpWg" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_481_eus-gaap--FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_iI_pn3n3_zkUKbYt9Ywu3"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_483_eus-gaap--FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_iI_pn3n3_zeItvyCOEv0g"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_484_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_iI_pn3n3_zxMdRKIKSTZg"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_484_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_iI_pn3n3_zRSPMPZbJiJc"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_485_eus-gaap--FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_iI_pn3n3_zl3LV2YNCAXh"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_481_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolving_iI_pn3n3_zHsgPQYtUKo2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_48E_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_iI_pn3n3_zZP52JIHMIO" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_480_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_mtTotal1_zbjZrvOtl5K1" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="22" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Term Loan Origination by Year</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2023</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2022</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2021</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2020</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2019</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Prior</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt"><span id="xdx_91D_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolving_zs7JtGx4hMA9">Revolving Loans</span></span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt"><span id="xdx_91A_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_z33t9sPcUEJa">Revolving Loans Converted to Term Loans</span></span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt"><span id="xdx_91C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_zUlI625rHd12">Total</span></span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="34" style="text-align: center"><span style="font-size: 8pt">(Dollars in thousands)</span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="text-decoration: underline; font-weight: bold; text-align: left"><span style="font-size: 8pt">Commercial Real Estate:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zZSaoJxagzTk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8.25pt; width: 19%"><span style="font-size: 8pt">Pass (Rated 1- 4)</span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">42,764</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">175,829</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">228,739</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">113,631</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">91,353</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">320,806</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">81,483</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">9,289</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">1,063,894</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_416_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_z1ceGJITKrD3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8.25pt"><span style="font-size: 8pt">Special Mention (Rated 5)</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1980">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1981">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1982">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">180</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">915</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">3,237</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">164</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1987">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">4,496</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41D_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zW32PPTXkks3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 8.25pt"><span style="font-size: 8pt">Substandard (Rated 6)</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1989">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1990">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1991">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">8,013</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1993">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3,348</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1995">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1996">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">11,361</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_414_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zWFCTZlS21r9" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total commercial real estate loans</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">42,764</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">175,829</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">228,739</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">121,824</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">92,268</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">327,391</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">81,647</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">9,289</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">1,079,751</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 3.75pt"><span style="font-size: 8pt">Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98A_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zF0QoxL6sjra" style="text-align: right" title="Current period gross charge-offs, Prior"><span style="font-size: 8pt">764</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zoUf9lXn5YB5" style="text-align: right" title="Current period gross charge-offs"><span style="font-size: 8pt">764</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 3.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 3.75pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_412_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zUp0VqkxSRLc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.55pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">42,764</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">175,829</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">228,739</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">121,824</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">92,268</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">326,044</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">81,647</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">9,289</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">1,078,404</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41D_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zYq92EVIBb75" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.55pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2020">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2021">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2022">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2023">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2024">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">1,347</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2026">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2027">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">1,347</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; font-weight: bold; text-align: left"><span style="font-size: 8pt">Residential One-to-Four Family:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41B_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zpBalsGxOls" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 8.25pt"><span style="font-size: 8pt">Pass</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">59,257</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">88,213</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">94,290</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">125,917</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">54,263</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">174,688</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">10,401</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2036">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">607,029</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_414_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zsVpYbevvPH2" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 8.25pt"><span style="font-size: 8pt">Substandard</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2038">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">447</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">495</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">445</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2042">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3,899</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2044">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2045">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">5,286</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_ziw1WPVfNUF4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total residential one-to-four family</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">59,257</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">88,660</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">94,785</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">126,362</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">54,263</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">178,587</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">10,401</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2054">—</span></span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">612,315</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-size: 8pt"> Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41D_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zmCUrN8ELFwj" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">59,257</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">88,213</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">94,290</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">125,540</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">54,263</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">175,612</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">10,401</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2063">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">607,576</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zqhn3ZxSlqCb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2065">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">447</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">495</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">822</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2069">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">2,975</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2071">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2072">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">4,739</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-decoration: underline; font-weight: bold; text-align: left"><span style="font-size: 8pt">Home Equity:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41E_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zwZUMEFLAfX3" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 8.25pt"><span style="font-size: 8pt">Pass</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">9,937</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">10,885</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">6,861</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">7,108</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">5,234</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">7,261</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">60,115</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">2,329</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">109,730</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41B_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zHyYxhU6HAxg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 8.25pt"><span style="font-size: 8pt">Substandard</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2083">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2084">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2085">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2086">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2087">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">7</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">90</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">12</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">109</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zx4oqtVVoSV8" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt"><span style="font-size: 8pt">Total home equity loans</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">9,937</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">10,885</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">6,861</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">7,108</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">5,234</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">7,268</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">60,205</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">2,341</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">109,839</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-size: 8pt"> Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_417_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zXlLn0UmXbb2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">9,937</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">10,885</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">6,861</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">7,108</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">5,234</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">7,261</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">60,115</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">2,329</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">109,730</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41E_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zqzQExVHL1H2" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2110">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2111">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2112">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2113">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2114">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">7</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">90</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">12</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">109</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="22" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Term Loans Originated by Year</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2023</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2022</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2021</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2020</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2019</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Prior</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans Converted to Term Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Total</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="34" style="text-align: center"><span style="font-size: 8pt">(Dollars in thousands)</span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="text-decoration: underline; font-weight: bold; text-align: left"><span style="font-size: 8pt">Commercial and Industrial:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_412_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_z1AOCXs8lrAi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.25pt; width: 19%"><span style="font-size: 8pt">Pass (Rated 1- 4)</span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">31,108</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">35,705</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">26,553</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">19,780</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">19,765</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">8,825</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">57,393</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">69</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">199,198</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_411_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zLvbZStoBQj2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Special Mention (Rated 5)</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2129">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">101</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2131">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2132">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">8</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">498</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">707</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2136">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">1,314</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41F_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zD2Ikh9x0hEg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 8.25pt"><span style="font-size: 8pt">Substandard (Rated 6)</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2138">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2139">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">1,408</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">8,156</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2142">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">85</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">7,286</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2145">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">16,935</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zM3DN8ayhsX7" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total commercial and industrial loans</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">31,108</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">35,806</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">27,961</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">27,936</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">19,773</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">9,408</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">65,386</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">69</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">217,447</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98B_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedFiscalYearBeforeCurrentFiscalYear_iP2custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zkvajBV22Rzc" style="text-align: right" title="Current period gross charge-offs, Year Two, Originated, Fiscal Year before Current Fiscal Year"><span style="font-size: 8pt">147</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98D_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zNlIfVM3JI4c" style="text-align: right" title="Current period gross charge-offs, Originated, More than Five Years before Current Fiscal Year"><span style="font-size: 8pt">221</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_985_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_iP3custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zvm2RIddLnYa" style="text-align: right" title="Current period gross charge-offs, Revolving Loans Converted to Term Loans"><span style="font-size: 8pt">1,193</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zoCROl8jb4Dl" style="text-align: right"><span style="font-size: 8pt">1,561</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 8.25pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.05pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41A_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zC4fEgtHpKy4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.55pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">31,108</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">35,806</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">27,961</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">27,936</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">19,773</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">9,401</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">65,175</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">69</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">217,229</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41C_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_z7XiHchS1omc" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.55pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2172">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2173">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2174">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2175">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2176">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">7</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">211</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2179">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">218</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; font-weight: bold"><span style="font-size: 8pt">Consumer:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41C_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zZoOWczIlu4j" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 8.25pt"><span style="font-size: 8pt">Pass</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">2,168</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">1,381</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">524</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">241</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">68</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">270</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">812</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2188">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">5,464</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41B_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zWcjfGOn7EKl" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 8.25pt"><span style="font-size: 8pt">Substandard</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2190">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2191">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2192">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2193">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2194">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">8</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2196">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2197">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">8</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_418_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zwYje5nwQRG3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt"><span style="font-size: 8pt">Total consumer loans</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">2,168</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">1,381</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">524</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">241</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">68</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">278</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">812</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2206">—</span></span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">5,472</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_985_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolving_iP2custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zX9zzbeT3jG" style="text-align: right" title="Current period gross charge-offs, Revolving Loans"><span style="font-size: 8pt">3</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_986_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zDKnFWZyN9mc" style="text-align: right"><span style="font-size: 8pt">182</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z0RX864kOwu1" style="text-align: right"><span style="font-size: 8pt">185</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41A_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zIzZqweceVGb" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">2,168</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">1,381</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">524</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">241</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">68</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">271</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">811</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2219">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">5,464</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_414_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_z9iEGwTyciee" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2221">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2222">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2223">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2224">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2225">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">7</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">1</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2228">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">8</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> </table> <p id="xdx_897_eus-gaap--ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_zhhAXjMfmYB3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Major classifications of loans at the periods indicated were as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_49A_20240331_zvRI4qUhFo9j" style="font-weight: bold; text-align: center">March 31,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_497_20231231_zaeHDt4zTqv7" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_404_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zaFo4WbnigB3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; font-weight: bold; text-align: left">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,083,910</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,079,751</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_z9hDqwGefC4b" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 12.6pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">615,277</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">612,315</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zfnsroLiYnaj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 12.6pt">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">111,488</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">109,839</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zr6QjxUl2f08" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt"> Total residential real estate</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">726,765</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">722,154</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 12.6pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zLBCg9PJY2kf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">207,307</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">217,447</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 12.75pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zRbH1o35TkOj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 1pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,998</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,472</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_maFREAIzHYT_zPKD2tXVYa0k" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left"> Total gross loans</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,022,980</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,024,824</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--FinancingReceivableUnamortizedPurchasePremiumDiscount_iI_pn3n3_maFREAIzHYT_zuxTcimifzL4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Unearned premiums and deferred loan fees and costs, net</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,586</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,493</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_iTI_pn3n3_mtFREAIzHYT_maFREAIzwLv_zGmPnjejK5W5" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; text-indent: 8.25pt">Total loans, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,025,566</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,027,317</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iNI_pn3n3_di_msFREAIzwLv_zcSU33UZFol8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Allowance for credit losses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(19,884</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(20,267</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_401_eus-gaap--FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_iTI_pn3n3_mtFREAIzwLv_zaZcanIJ4WSj" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Net loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,005,682</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,007,050</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1083910000 1079751000 615277000 612315000 111488000 109839000 726765000 722154000 207307000 217447000 4998000 5472000 2022980000 2024824000 2586000 2493000 2025566000 2027317000 19884000 20267000 2005682000 2007050000 59100000 65000000.0 1.04 0.1001 0.0025 83.38 71400000 72300000 44000 50000 <p id="xdx_899_eus-gaap--ScheduleOfServicingAssetsAtAmortizedValueTextBlock_zoRmIhI0Vbif" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A summary of the activity in the balances of mortgage servicing rights follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_498_20240101__20240331_zqtoQq8sxd1c" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_495_20230101__20230331_zMwlaJ9TKLxd" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Three Months Ended March 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_407_eus-gaap--ServicingAssetAtAmortizedValue_iS_pn3n3_uUSD_zhxqiJmbpUO6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; font-weight: bold; text-align: left">Balance at the beginning of year:</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">422</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">550</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--ServicingAssetAtAmortizedValueAdditions_pn3n3_uUSD_zXPMAUOjszF5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8.1pt">Capitalized mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1278">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1279">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--ServicingAssetAtAmortizedValueAmortization1_iN_pn3n3_di_uUSD_z7EqzphwM77c" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; text-indent: 8.1pt">Amortization</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(22</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(35</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_409_eus-gaap--ServicingAssetAtAmortizedValue_iE_pn3n3_uUSD_zM7Iz78s8PDl" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: 17.1pt">Balance at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">400</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">515</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--ServicingAssetAtFairValueAmount_iE_pn3n3_uUSD_zrvVpsBQspcl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt; text-indent: 17.1pt">Fair value at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">707</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">779</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 422000 550000 22000 35000 400000 515000 707000 779000 7600000 7500000 0.97 0.90 0.85 0.80 0.85 <p id="xdx_895_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_zjXpjjuPrFje" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">An analysis of changes in the allowance for credit losses by segment for the three months ended March 31, 2024 and March 31, 2023 is as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialRealEstateMember_ztzehCEglxr" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B4_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ResidentialPortfolioSegmentMember_z0pjrhToUvek" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialAndIndustrialSectorMember_zpjX8SwTX2Ei" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial and Industrial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_zIiRgNKvr6o5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B0_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_custom--UnallocatedMember_zBeCbGslduSh" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unallocated</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BC_zWyI146Mvz62" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="22" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_43E_c20240101__20240331_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zu2BeZYGlUig" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 28%; font-weight: bold">Balance at December 31, 2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">15,141</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">2,548</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">2,537</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">41</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1308">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">20,267</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_43C_c20240101__20240331_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zMGXJJEeD5j1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -4.5pt; padding-left: 12.55pt">Provision (reversal) for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(398</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(71</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(95</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">114</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1315">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(450</td><td style="text-align: left">)</td></tr> <tr id="xdx_433_c20240101__20240331_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_zhLbKNXTUIOh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 8.2pt">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1318">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(7</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(59</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1322">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(67</td><td style="text-align: left">)</td></tr> <tr id="xdx_436_c20240101__20240331_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zc6BLmq92378" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: 8.2pt">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">28</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">11</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">67</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">28</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1329">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">134</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_439_c20240101__20240331_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_zLl2IBKwHng9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt">Balance at March 31, 2024</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">14,771</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,481</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,508</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">124</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1336">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">19,884</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_435_c20240101__20240331_eus-gaap--OffBalanceSheetCreditLossLiabilityAbstract_iB_zpzeWHANHeO1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left">Allowance for credit losses for off-balance sheet exposures</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_43E_c20240101__20240331_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_z4g7jTNdg796" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold">Balance at December 31, 2023</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">375</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1349">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1350">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">597</td><td style="text-align: left"> </td></tr> <tr id="xdx_432_c20240101__20240331_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_pn3n3_zjYusruI8Ej3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -4.5pt; padding-left: 12.55pt">Provision (reversal) for credit losses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(111</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">21</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(10</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1356">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1357">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(100</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_434_c20240101__20240331_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_zeXyjGePqq4a" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 2.5pt">Balance at March 31, 2024</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">264</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">184</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">49</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1363">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1364">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">497</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialRealEstateMember_zo0xycvwn906" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B4_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ResidentialPortfolioSegmentMember_zg1DtaAgsdK9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialAndIndustrialSectorMember_zWMWrbMO4LNj" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial and Industrial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_zuh2tvuDKf3j" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B0_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_custom--UnallocatedMember_zGizDdt9NBU8" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unallocated</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BC_zcFG7rSc3d0b" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="22" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_437_c20230101__20230331_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zwo5PcyehkFc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 28%; font-weight: bold">Balance at December 31, 2022</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">12,199</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">4,312</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">3,160</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">245</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">15</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">19,931</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_430_c20230101__20230331__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zWP45DppWnM3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -4.3pt; padding-left: 12.55pt">Cumulative effect of change in accounting principle</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,989</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(2,518</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(75</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(199</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(15</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,182</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_430_c20230101__20230331__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zjOjcv487Jn4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Adjusted Beginning Balance</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">16,188</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,794</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">46</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1386">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_c20230101__20230331__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember_zFV8uxlAWFld" style="text-align: right" title="Beginning balance, allowance for credit losses">21,113</td><td style="text-align: left"> </td></tr> <tr id="xdx_435_c20230101__20230331_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zOVMuqCZDP23" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -4.5pt; padding-left: 12.55pt">Provision (reversal) for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(349</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">83</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1395">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(232</td><td style="text-align: left">)</td></tr> <tr id="xdx_430_c20230101__20230331_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_zfVIRXK2rv9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 8.2pt">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(414</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1399">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,413</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(35</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1402">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,862</td><td style="text-align: left">)</td></tr> <tr id="xdx_43D_c20230101__20230331_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zehNjE6QqEJ3" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: 8.2pt">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1405">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1406">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">11</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1409">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">12</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_435_c20230101__20230331_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_zEWhkz3VGR99" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt">Balance at March 31, 2023</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,425</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,877</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,676</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">53</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1416">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_c20230101__20230331_zHJb2IMgPiVd" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance, allowance for credit losses">19,031</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_43D_c20230101__20230331_eus-gaap--OffBalanceSheetCreditLossLiabilityAbstract_iB_z6GRFU3qdla7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.125in; text-indent: -0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Allowance for credit losses for off-balance sheet exposures</b></span></p></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_435_c20230101__20230331_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_z9jyRlXbRyHa" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold">Balance at December 31, 2022</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1428">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1429">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1430">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1431">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1432">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1433">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_431_c20230101__20230331__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_zFTddTwzFG9b" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -4.5pt; padding-left: 12.55pt">Cumulative effect of change in accounting principle</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">611</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">267</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">40</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1438">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1439">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--OffBalanceSheetCreditLossLiability_iS_c20230101__20230331__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_zaeRvZqB2lJf" style="text-align: right" title="Beginning balance">918</td><td style="text-align: left"> </td></tr> <tr id="xdx_435_c20230101__20230331_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_pn3n3_zYSvxnoogP1b" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -4.5pt; padding-left: 12.55pt">Provision (reversal) for credit losses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(93</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(62</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1447">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1448">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(156</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_43D_c20230101__20230331_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_z5IG2oZLEYDa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt">Balance at March 31, 2023</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">518</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">205</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">39</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1454">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1455">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_c20230101__20230331_zPcBMVvUBiwi" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance">762</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 15141000 2548000 2537000 41000 20267000 -398000 -71000 -95000 114000 -450000 7000 1000 59000 67000 28000 11000 67000 28000 134000 14771000 2481000 2508000 124000 19884000 375000 163000 59000 597000 -111000 21000 -10000 -100000 264000 184000 49000 497000 12199000 4312000 3160000 245000 15000 19931000 3989000 -2518000 -75000 -199000 -15000 1182000 16188000 1794000 3085000 46000 21113000 21113000 -349000 83000 3000 31000 -232000 414000 1413000 35000 1862000 1000 11000 12000 15425000 1877000 1676000 53000 19031000 19031000 611000 267000 40000 918000 918000 -93000 -62000 -1000 -156000 518000 205000 39000 762000 762000 -550000 -450000 -100000 -100000 -12400000 -0.076 149900000 162300000 <p id="xdx_896_eus-gaap--PastDueFinancingReceivablesTableTextBlock_zq741kjGmP27" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following tables present an age analysis of past due loans as of the dates indicated:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">30 – 59 Days Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">60 – 89 Days Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">90 Days or More Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Past Due Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total  </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Current Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="26" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span style="text-decoration: underline">March 31, 2024</span></td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="text-align: right"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 23%; text-align: left">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z6mfdiHA9ic" style="width: 8%; text-align: right">522</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zYvprA9AEXXi" style="width: 8%; text-align: right">3</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_ziVsspW6YDG4" style="width: 8%; text-align: right">799</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zyrNoHADczx9" style="width: 8%; text-align: right">1,324</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zpBZqPXXSRn7" style="width: 8%; text-align: right">1,082,586</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zaVL0XgXDsB9" style="width: 8%; text-align: right">1,083,910</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zmoPtemCxcG7" style="width: 8%; text-align: right">1,035</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -1.15pt; padding-left: 10.05pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zebotA1in4Ej" style="text-align: right">1,547</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zzUH0xcEn0Za" style="text-align: right">514</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zRlgN6EkP9p6" style="text-align: right">800</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zVnBbLngkNHg" style="text-align: right">2,861</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zTgeVNYMjZgj" style="text-align: right">612,416</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zqpPpI4R3V64" style="text-align: right">615,277</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zELgRkcgLDBd" style="text-align: right">4,492</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9pt">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zurgaMzM6IDa" style="border-bottom: Black 1pt solid; text-align: right">347</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zuQYhGYVHcs4" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1492">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zb9Lln2Xp6Xd" style="border-bottom: Black 1pt solid; text-align: right">101</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zKtTVMHtfWbi" style="border-bottom: Black 1pt solid; text-align: right">448</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zQYV8eN20hwb" style="border-bottom: Black 1pt solid; text-align: right">111,040</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_z1R9vT47pwAf" style="border-bottom: Black 1pt solid; text-align: right">111,488</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zjvjx6Xkwiu1" style="border-bottom: Black 1pt solid; text-align: right">101</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 22.5pt">Total:</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zfWzjGk2PqU9" style="border-bottom: Black 1pt solid; text-align: right">1,894</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zMT1bFOkO4hh" style="border-bottom: Black 1pt solid; text-align: right">514</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zIZymPaY7VRe" style="border-bottom: Black 1pt solid; text-align: right">901</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zaef47piT7hd" style="border-bottom: Black 1pt solid; text-align: right">3,309</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zeG8Ug3qUbX5" style="border-bottom: Black 1pt solid; text-align: right">723,456</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zPydRIO3tas8" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans">726,765</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zCNHdXV5EwCh" style="border-bottom: Black 1pt solid; text-align: right" title="Non-Accrual Loans">4,593</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zxG9iIPplkh7" style="text-align: right">60</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zc2dVkP0Xct2" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1508">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zzst6CgB8joe" style="text-align: right">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zcqPM9F5mk15" style="text-align: right">69</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zF1UVpQj88Bh" style="text-align: right">207,238</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zyuveHHnPEM3" style="text-align: right">207,307</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zOZstRXQJzA8" style="text-align: right">201</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zLIN162toZ1k" style="border-bottom: Black 1pt solid; text-align: right">7</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zBnbftzBC5ol" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1515">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zSz3i4c9EmVl" style="border-bottom: Black 1pt solid; text-align: right">7</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zqDAKRo6czRb" style="border-bottom: Black 1pt solid; text-align: right">14</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zPsG62WydRk9" style="border-bottom: Black 1pt solid; text-align: right">4,984</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z1RESjQun9al" style="border-bottom: Black 1pt solid; text-align: right">4,998</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zEZYybFEkjz2" style="border-bottom: Black 1pt solid; text-align: right">8</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: 10.5pt">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zZUogmXl50Gb" style="border-bottom: Black 2.5pt double; text-align: right">2,483</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zrwIQKCuAr0h" style="border-bottom: Black 2.5pt double; text-align: right">517</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zbliEAKRIRll" style="border-bottom: Black 2.5pt double; text-align: right">1,716</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_z4O6BJqWzVz3" style="border-bottom: Black 2.5pt double; text-align: right">4,716</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zA5vGWKsCwL4" style="border-bottom: Black 2.5pt double; text-align: right">2,018,264</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20240331_zKJfhrpIghAd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans">2,022,980</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20240331_zcFg9mg440Sk" style="border-bottom: Black 2.5pt double; text-align: right" title="Non-Accrual Loans">5,837</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">30 – 59 Days Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">60 – 89 Days Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">90 Days or More Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Past Due Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total  </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Current Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="26" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"><span style="text-decoration: underline">December 31, 2023</span></td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="text-align: right"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 23%; text-align: left">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zVJwKUCsM523" style="width: 8%; text-align: right">272</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zmuxfndWbnKl" style="width: 8%; text-align: right">647</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zAinE9uO148h" style="width: 8%; text-align: right">403</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zJD99AtVwIJ3" style="width: 8%; text-align: right">1,322</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zBGE7hp7pnd1" style="width: 8%; text-align: right">1,078,429</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zK9SEkJsMmjb" style="width: 8%; text-align: right">1,079,751</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zKqJHjIEPbC4" style="width: 8%; text-align: right">1,347</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -1.15pt; padding-left: 10.05pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zjbRQEPK12Qj" style="text-align: right">2,354</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_ztBZCh6eIYak" style="text-align: right">934</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zlHeNIYfNRU9" style="text-align: right">881</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_z3jMkd2KsjI2" style="text-align: right">4,169</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zQylPut0epNk" style="text-align: right">608,146</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_z3yvRiuR6pl2" style="text-align: right">612,315</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zUabXj0wg7Vb" style="text-align: right">4,739</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 9pt">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zCNIdWs1Bcae" style="border-bottom: Black 1pt solid; text-align: right">263</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_z62Pa6YbSNA3" style="border-bottom: Black 1pt solid; text-align: right">112</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zgAJM4c2gFE5" style="border-bottom: Black 1pt solid; text-align: right">102</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zparQhyKk3re" style="border-bottom: Black 1pt solid; text-align: right">477</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zgwfjCDu3j0k" style="border-bottom: Black 1pt solid; text-align: right">109,362</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zMhBZIp0eET2" style="border-bottom: Black 1pt solid; text-align: right">109,839</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zuqqcikuEYY8" style="border-bottom: Black 1pt solid; text-align: right">109</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 22.5pt">Total:</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zn76atdWaGj6" style="border-bottom: Black 1pt solid; text-align: right">2,617</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_z5JeKeNxnihi" style="border-bottom: Black 1pt solid; text-align: right">1,046</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z07UrmyhC5xd" style="border-bottom: Black 1pt solid; text-align: right">983</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zBRefVtI46y2" style="border-bottom: Black 1pt solid; text-align: right">4,646</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zFzGbUhxhX08" style="border-bottom: Black 1pt solid; text-align: right">717,508</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zuOdx3EVQ9Jf" style="border-bottom: Black 1pt solid; text-align: right">722,154</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zSu7EWBCkAhd" style="border-bottom: Black 1pt solid; text-align: right">4,848</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zEUKTCOyBkSi" style="text-align: right">20</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zQ6qQuxJHF3c" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1560">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z72Lku4gBsd4" style="text-align: right">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zKwfuQJo9dPd" style="text-align: right">28</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zdCk4cDvOX7i" style="text-align: right">217,419</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z8Eji9BSyA9d" style="text-align: right">217,447</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z4SpluSRECxi" style="text-align: right">218</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zUpXB3RqT7t3" style="border-bottom: Black 1pt solid; text-align: right">3</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zn453JEVtoBc" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1567">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z6Hahyb5eW88" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1568">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zVRWCG8AcrW5" style="border-bottom: Black 1pt solid; text-align: right">3</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zyc3eaEqxVah" style="border-bottom: Black 1pt solid; text-align: right">5,469</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zjMI5SE7g2v5" style="border-bottom: Black 1pt solid; text-align: right">5,472</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zkKj379W3sb6" style="border-bottom: Black 1pt solid; text-align: right">8</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: 10.5pt">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z3MOWLpb9It9" style="border-bottom: Black 2.5pt double; text-align: right">2,912</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zNfAKh9PwzHa" style="border-bottom: Black 2.5pt double; text-align: right">1,693</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z1kvIv4RNYle" style="border-bottom: Black 2.5pt double; text-align: right">1,394</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zUQy6vth1yG5" style="border-bottom: Black 2.5pt double; text-align: right">5,999</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zeCR3KKdlmRh" style="border-bottom: Black 2.5pt double; text-align: right">2,018,825</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20231231_zYLo9u9pd8rb" style="border-bottom: Black 2.5pt double; text-align: right">2,024,824</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20231231_z9BZbPyNMojk" style="border-bottom: Black 2.5pt double; text-align: right">6,421</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 522000 3000 799000 1324000 1082586000 1083910000 1035000 1547000 514000 800000 2861000 612416000 615277000 4492000 347000 101000 448000 111040000 111488000 101000 1894000 514000 901000 3309000 723456000 726765000 4593000 60000 9000 69000 207238000 207307000 201000 7000 7000 14000 4984000 4998000 8000 2483000 517000 1716000 4716000 2018264000 2022980000 5837000 272000 647000 403000 1322000 1078429000 1079751000 1347000 2354000 934000 881000 4169000 608146000 612315000 4739000 263000 112000 102000 477000 109362000 109839000 109000 2617000 1046000 983000 4646000 717508000 722154000 4848000 20000 8000 28000 217419000 217447000 218000 3000 3000 5469000 5472000 8000 2912000 1693000 1394000 5999000 2018825000 2024824000 6421000 0.0023 0.0030 <p id="xdx_896_eus-gaap--ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_zMqAQkyOwaR1" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following table presents information regarding nonaccrual loans as of the dates indicated:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 90%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" id="xdx_481_ecustom--FinancingReceivableNonaccrualWithAllowance_iI_pn3n3_zdJHW78w2mzj" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_483_eus-gaap--FinancingReceivableNonaccrualNoAllowance_iI_pn3n3_zLk2z5c6K50c" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_482_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_zMzMsytv76re" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of March 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the Three Months Ended March 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual Loans with Allowance for Credit Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual Loans Without Allowance for Credit Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total Nonaccrual Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Accrued Interest Receivable Reversed from Income</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_419_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zd6BVQOHOEVe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 38%; text-align: left">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1590">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,035</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,035</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zhMcCQ5XKyk8" style="width: 10%; text-align: right" title="Accrued Interest Receivable Reversed from Income">24</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_419_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zID9UlUuXNEd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 9pt">Residential</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1595">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,492</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,492</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_za6lXsofSZmh" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">55</td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zbmXarMQC6T8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 9pt">Home equity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1600">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">101</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">101</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zqt6W3V59Zki" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">3</td><td style="text-align: left"> </td></tr> <tr id="xdx_41F_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z3XGtTZI7te5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1605">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">201</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">201</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zgw7AHvAzK18" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">39</td><td style="text-align: left"> </td></tr> <tr id="xdx_41E_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zeT9kESEe4Z7" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1611">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zpjs8Yqv9WUg" style="border-bottom: Black 1pt solid; text-align: right" title="Accrued Interest Receivable Reversed from Income"><span style="-sec-ix-hidden: xdx2ixbrl1614">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41C_20240331_zGqDXpDvVrYc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">8</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,829</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,837</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20240101__20240331_zmWPEt61Loi7" style="border-bottom: Black 2.5pt double; text-align: right" title="Accrued Interest Receivable Reversed from Income">121</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 90%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" id="xdx_481_ecustom--FinancingReceivableNonaccrualWithAllowance_iI_pn3n3_zNLnkoUdFNAg" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" id="xdx_483_eus-gaap--FinancingReceivableNonaccrualNoAllowance_iI_pn3n3_zCvc8HCNF1X" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" id="xdx_482_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_z5Ab4zcgBuok" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the Three Months Ended March 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual Loans with Allowance for Credit Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual Loans Without Allowance for Credit Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total Nonaccrual Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Accrued Interest Receivable Reversed from Income</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_411_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zyzj29McmHz6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 38%; text-align: left">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1621">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,347</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,347</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_z9oSoRqckLK9" style="width: 10%; text-align: right" title="Accrued Interest Receivable Reversed from Income">23</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_418_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zjaG0ZZpm0Nh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 9pt">Residential</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1626">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zjS2B5svysO2" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">45</td><td style="text-align: left"> </td></tr> <tr id="xdx_41C_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_z6GLnbxjQohl" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 9pt">Home equity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1631">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">109</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">109</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zR5m9Nxl6Nud" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">3</td><td style="text-align: left"> </td></tr> <tr id="xdx_41F_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zskH0HzJlOHi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1636">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">218</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">218</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zOH6ZvN5cltj" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">58</td><td style="text-align: left"> </td></tr> <tr id="xdx_417_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zu2ekryFc7W7" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1641">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zbNv515MNtIc" style="border-bottom: Black 1pt solid; text-align: right" title="Accrued Interest Receivable Reversed from Income"><span style="-sec-ix-hidden: xdx2ixbrl1645">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41C_20231231_zS1eObtngqN8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1646">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,421</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,421</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230331_zbIS5jPAx54" style="border-bottom: Black 2.5pt double; text-align: right" title="Accrued Interest Receivable Reversed from Income">129</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1035000 1035000 24000 4492000 4492000 55000 101000 101000 3000 201000 201000 39000 8000 8000 8000 5829000 5837000 121000 1347000 1347000 23000 4739000 4739000 45000 109000 109000 3000 218000 218000 58000 8000 8000 6421000 6421000 129000 0.0029 0.0032 822000 14800000 <p id="xdx_89C_ecustom--FinancingReceivableIndividuallyEvaluatedForImpairmentTableTextBlock_zMzCOP7NYsNh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following table summarizes the Company’s individually evaluated collateral dependent loans by class as of the dates indicated:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 70%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of March 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Recorded Investment</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Related Allowance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">With no related allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; text-align: left; text-indent: 3.75pt">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember_zguFGlPIhyt5" style="width: 10%; text-align: right" title="Loans with no related allowance recorded, recorded investment">10,063</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 3.75pt">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 12.75pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember_zhJL5UmkUWp3" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">4,665</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.75pt">Home equity</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember_zuvvHBJ77Ki1" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">101</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 3.75pt">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember_zvgXIodT4IF4" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">305</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: 3.75pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 21.75pt">Loans with no related allowance recorded</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_988_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20240331__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember_zVMSxPV2p999" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">15,134</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 3.75pt">Commercial real estate</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 3.75pt">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 12.75pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 12.75pt">Home equity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 3.75pt">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_znJ2YTV9nIka" style="text-align: right" title="Loans with an allowance recorded, recorded investment">517</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_z9zdMEDjgM16" style="text-align: right" title="Loans with an allowance recorded, related allowance">179</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 3.75pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 21.75pt">Loans with an allowance recorded</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20240331__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_zIpDDsZL1hP7" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, recorded investment">517</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20240331__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_zWIdZbgngHsf" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, related allowance">179</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total individually evaluated loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20240331_zbYpcPkPeyp6" style="border-bottom: Black 2.5pt double; text-align: right" title="Total individually evaluated loans, recorded investment">15,651</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20240331_zz4x3JZiDnQg" style="border-bottom: Black 2.5pt double; text-align: right">179</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 70%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Recorded Investment</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Related Allowance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">With no related allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; text-align: left; text-indent: 3.75pt">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zDBtHijOkSf9" style="width: 10%; text-align: right" title="Loans with no related allowance recorded, recorded investment">10,648</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 3.75pt">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 12.75pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zLbcOz2yO9jg" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">5,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 12.75pt">Home equity</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zihPlCJm6uZb" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">109</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 3.75pt">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zdsmSZ9shhr2" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">13,273</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: 3.75pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zV6ZJ2ztpJFg" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">8</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 21.75pt">Loans with no related allowance recorded</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithNoRelatedAllowanceRecordedMember_zcfeVR3SqaZa" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">29,201</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 3.75pt">Commercial real estate</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 3.75pt">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 12.75pt">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 12.75pt">Home equity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 3.75pt">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zzleqlbqlpt5" style="text-align: right" title="Loans with an allowance recorded, recorded investment">517</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zdzBjlJNMrq4" style="text-align: right" title="Loans with an allowance recorded, related allowance">179</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 3.75pt">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 21.75pt">Loans with an allowance recorded</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_z74I7fsY2BA7" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, recorded investment">517</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20231231__us-gaap--CreditLossStatusAxis__custom--WithAllowanceRecordedMember_zNRXS0ysa4Z1" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, related allowance">179</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total individually evaluated loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_c20231231_zRR7p2klw1p1" style="border-bottom: Black 2.5pt double; text-align: right" title="Individually evaluated loans, recorded investment">29,718</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20231231_zNNhzquTteJe" style="border-bottom: Black 2.5pt double; text-align: right">179</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 10063000 4665000 101000 305000 15134000 517000 179000 517000 179000 15651000 179000 10648000 5163000 109000 13273000 8000 29201000 517000 179000 517000 179000 29718000 179000 <p id="xdx_89E_eus-gaap--FinancingReceivableCreditQualityIndicatorsTableTextBlock_z4IBb0baIKK2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B0_zubc5ozd4Xjh">The following tables detail the amortized cost balances of the Company’s loan portfolio presented by risk rating and origination year as of the periods presented.</span> In addition, payment activity has been included as an additional credit quality indicator:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_480_eus-gaap--FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_iI_pn3n3_zfEh35qcCyrj" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_481_eus-gaap--FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_iI_pn3n3_zzq0BQ65kJZg"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_483_eus-gaap--FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_iI_pn3n3_zMvO2UVeVE82"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_484_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_iI_pn3n3_zMTPDzk0oJxc"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_484_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_iI_pn3n3_ztdG4f6jMr4a"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_485_eus-gaap--FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_iI_pn3n3_zInjasdKFl63"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_481_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolving_iI_pn3n3_zKEXjzKhS0W4" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_48E_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_iI_pn3n3_z001U5enZIC4" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_480_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_mtTotal1_zrVbSN3SxZ29" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="22" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Term Loan Origination by Year</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">March 31, 2024</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2023</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2022</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2021</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2020</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Prior</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans Converted to Term Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Total</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="34" style="text-align: center"><span style="font-size: 8pt">(Dollars in thousands)</span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="text-decoration: underline; font-weight: bold; text-align: left"><span style="font-size: 8pt">Commercial Real Estate:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41E_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zHPuvqcGBWo3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8.25pt; width: 19%"><span style="font-size: 8pt">Pass (Rated 1- 4)</span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">8,558</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">43,495</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">187,387</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">235,012</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">111,791</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">403,778</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">77,388</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1721">—</span></span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">1,067,409</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41C_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zwk3u7tfB2U9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8.25pt"><span style="font-size: 8pt">Special Mention (Rated 5)</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1723">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1724">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1725">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1726">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">174</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">3,684</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">693</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1730">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">4,551</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41D_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zm41gPRlKMh5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 8.25pt"><span style="font-size: 8pt">Substandard (Rated 6)</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1732">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1733">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1734">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1735">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">8,492</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3,458</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1738">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1739">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">11,950</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_418_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_z8AFeqJbZIDc" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt"><span style="font-size: 8pt">Total commercial real estate loans</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">8,558</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">43,495</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">187,387</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">235,012</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">120,457</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">410,920</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">78,081</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1748">—</span></span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">1,083,910</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 3.75pt"><span style="font-size: 8pt">Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 3.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 3.75pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_412_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zPXBbQQP7LC9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.55pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">8,558</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">43,495</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">187,387</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">235,012</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">120,457</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">409,885</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">78,081</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1757">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">1,082,875</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41F_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_z7hwjv5urYe9" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.55pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1759">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1760">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1761">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1762">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1763">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">1,035</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1765">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1766">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">1,035</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; font-weight: bold; text-align: left"><span style="font-size: 8pt">Residential One-to-Four Family:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_416_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_z7k7HxgFWCw2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 8.25pt"><span style="font-size: 8pt">Pass</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">11,361</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">57,844</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">91,010</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">93,134</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">123,881</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">224,744</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">7,904</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1775">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">609,878</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41B_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zvTz1zVYnOT9" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 8.25pt"><span style="font-size: 8pt">Substandard</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1777">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1778">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">446</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">484</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">872</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3,597</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1783">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1784">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">5,399</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41E_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zl1sjEG7ShS" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total residential one-to-four family</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">11,361</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">57,844</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">91,456</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">93,618</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">124,753</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">228,341</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">7,904</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1793">—</span></span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">615,277</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-size: 8pt"> Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_413_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zsdp3P0Pkkvf" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">11,361</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">57,844</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">91,010</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">93,134</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">123,881</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">225,651</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">7,904</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1802">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">610,785</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41B_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zQRdqumA8Oqg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1804">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1805">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">446</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">484</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">872</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">2,690</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1810">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1811">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">4,492</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-decoration: underline; font-weight: bold; text-align: left"><span style="font-size: 8pt">Home Equity:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41A_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zYbCivA0GdJl" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 8.25pt"><span style="font-size: 8pt">Pass</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">2,599</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">10,003</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">10,462</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">6,680</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">6,849</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">11,976</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">60,612</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">2,206</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">111,387</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_414_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_z4K9HWUraTnf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 8.25pt"><span style="font-size: 8pt">Substandard</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1822">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1823">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1824">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1825">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1826">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1827">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">90</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">11</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">101</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_415_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zSiDK6irx0Al" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt"><span style="font-size: 8pt">Total home equity loans</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">2,599</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">10,003</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">10,462</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">6,680</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">6,849</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">11,976</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">60,702</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">2,217</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">111,488</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.25in; text-indent: -0.125in"><span style="font-size: 8pt">Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_984_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_pn3n3_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityLoanMember_zvTYKqKfyr4a" style="text-align: right" title="Current period gross charge-offs, Prior"><span style="font-size: 8pt">7</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityLoanMember_zd2SVPVp51D6" style="text-align: right" title="Current period gross charge-offs"><span style="font-size: 8pt">7</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41E_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zGyAlh3yByr6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">2,599</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">10,003</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">10,462</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">6,680</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">6,849</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">11,976</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">60,612</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">2,206</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">111,387</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_413_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zALk0qiZIBue" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1853">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1854">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1855">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1856">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1857">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1858">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">90</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">11</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">101</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="22" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Term Loans Originated by Year</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">March 31, 2024</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2023</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2022</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2021</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2020</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Prior</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans Converted to Term Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Total</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="34" style="text-align: center"><span style="font-size: 8pt">(Dollars in thousands)</span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="text-decoration: underline; font-weight: bold; text-align: left"><span style="font-size: 8pt">Commercial and Industrial:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_414_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_z4TT2o3hkg1k" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.25pt; width: 19%"><span style="font-size: 8pt">Pass (Rated 1- 4)</span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">6,463</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">23,412</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">34,411</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">30,525</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">17,998</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">25,793</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">53,851</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">68</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">192,521</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_416_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zE1cgZSR4k9h" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Special Mention (Rated 5)</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1872">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">6,200</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">95</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">35</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1876">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">2,052</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">2,266</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1879">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">10,648</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41C_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zpVLzzxI2Wy7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 8.25pt"><span style="font-size: 8pt">Substandard (Rated 6)</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1881">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1882">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1883">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1884">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">527</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">74</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3,537</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1888">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">4,138</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41A_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z5LUOs4rpTAg" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total commercial and industrial loans</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">6,463</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">29,612</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">34,506</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">30,560</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">18,525</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">27,919</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">59,654</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">68</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">207,307</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_982_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_iP3custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zAwWlcpACcw" style="text-align: right" title="Current period gross charge-offs, Revolving Loans Converted to Term Loans"><span style="font-size: 8pt">1</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zb6Vi8d9Ccyc" style="text-align: right"><span style="font-size: 8pt">1</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 8.25pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.05pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41C_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zhy9Vtp8W2X6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.55pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">6,463</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">29,612</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">34,506</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">30,560</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">18,525</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">27,913</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">59,459</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">68</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">207,106</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_411_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_z8YxUeedAMSc" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.55pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1911">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1912">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1913">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1914">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1915">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">6</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">195</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1918">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">201</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; font-weight: bold"><span style="font-size: 8pt">Consumer:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41B_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zvA9vz4h3Dw9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 8.25pt"><span style="font-size: 8pt">Pass</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">299</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">1,895</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">1,205</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">449</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">163</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">210</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">770</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1927">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">4,991</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_418_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zH8j83IsvLOf" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 8.25pt"><span style="font-size: 8pt">Substandard</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1929">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1930">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1931">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1932">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1933">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">7</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1935">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1936">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">7</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_410_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zi0rjF1nAdza" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt"><span style="font-size: 8pt">Total consumer loans</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">299</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">1,895</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">1,205</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">449</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">163</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">217</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">770</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1945">—</span></span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">4,998</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_988_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_maChargeOff_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zKKNKENJJgP" style="text-align: right"><span style="font-size: 8pt">59</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20240101__20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zp5ZDKWd3pgb" style="text-align: right"><span style="font-size: 8pt">59</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_412_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zpSMOaHct8S" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">299</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">1,895</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">1,205</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">449</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">163</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">210</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">769</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1956">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">4,990</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41C_20240331__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zgzKq6JebP83" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1958">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1959">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1960">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1961">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1962">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">7</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">1</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1965">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">8</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_489_eus-gaap--FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_iI_pn3n3_zQ9Z6UyjvpWg" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_481_eus-gaap--FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_iI_pn3n3_zkUKbYt9Ywu3"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_483_eus-gaap--FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_iI_pn3n3_zeItvyCOEv0g"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_484_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_iI_pn3n3_zxMdRKIKSTZg"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_484_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_iI_pn3n3_zRSPMPZbJiJc"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_485_eus-gaap--FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_iI_pn3n3_zl3LV2YNCAXh"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_481_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolving_iI_pn3n3_zHsgPQYtUKo2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_48E_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_iI_pn3n3_zZP52JIHMIO" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" id="xdx_480_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_mtTotal1_zbjZrvOtl5K1" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="22" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Term Loan Origination by Year</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: center"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2023</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2022</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2021</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2020</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2019</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Prior</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt"><span id="xdx_91D_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolving_zs7JtGx4hMA9">Revolving Loans</span></span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt"><span id="xdx_91A_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_z33t9sPcUEJa">Revolving Loans Converted to Term Loans</span></span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt"><span id="xdx_91C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_zUlI625rHd12">Total</span></span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="34" style="text-align: center"><span style="font-size: 8pt">(Dollars in thousands)</span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="text-decoration: underline; font-weight: bold; text-align: left"><span style="font-size: 8pt">Commercial Real Estate:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zZSaoJxagzTk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8.25pt; width: 19%"><span style="font-size: 8pt">Pass (Rated 1- 4)</span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">42,764</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">175,829</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">228,739</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">113,631</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">91,353</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">320,806</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">81,483</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">9,289</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">1,063,894</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_416_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_z1ceGJITKrD3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8.25pt"><span style="font-size: 8pt">Special Mention (Rated 5)</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1980">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1981">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1982">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">180</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">915</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">3,237</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">164</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1987">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">4,496</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41D_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zW32PPTXkks3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 8.25pt"><span style="font-size: 8pt">Substandard (Rated 6)</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1989">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1990">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1991">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">8,013</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1993">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3,348</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1995">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl1996">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">11,361</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_414_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zWFCTZlS21r9" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total commercial real estate loans</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">42,764</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">175,829</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">228,739</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">121,824</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">92,268</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">327,391</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">81,647</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">9,289</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">1,079,751</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 3.75pt"><span style="font-size: 8pt">Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98A_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zF0QoxL6sjra" style="text-align: right" title="Current period gross charge-offs, Prior"><span style="font-size: 8pt">764</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zoUf9lXn5YB5" style="text-align: right" title="Current period gross charge-offs"><span style="font-size: 8pt">764</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 3.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 3.75pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_412_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zUp0VqkxSRLc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.55pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">42,764</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">175,829</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">228,739</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">121,824</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">92,268</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">326,044</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">81,647</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">9,289</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">1,078,404</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41D_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zYq92EVIBb75" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.55pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2020">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2021">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2022">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2023">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2024">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">1,347</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2026">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2027">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">1,347</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; font-weight: bold; text-align: left"><span style="font-size: 8pt">Residential One-to-Four Family:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41B_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zpBalsGxOls" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 8.25pt"><span style="font-size: 8pt">Pass</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">59,257</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">88,213</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">94,290</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">125,917</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">54,263</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">174,688</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">10,401</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2036">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">607,029</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_414_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zsVpYbevvPH2" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 8.25pt"><span style="font-size: 8pt">Substandard</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2038">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">447</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">495</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">445</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2042">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">3,899</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2044">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2045">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">5,286</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_ziw1WPVfNUF4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total residential one-to-four family</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">59,257</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">88,660</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">94,785</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">126,362</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">54,263</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">178,587</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">10,401</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2054">—</span></span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">612,315</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-size: 8pt"> Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41D_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zmCUrN8ELFwj" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">59,257</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">88,213</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">94,290</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">125,540</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">54,263</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">175,612</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">10,401</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2063">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">607,576</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zqhn3ZxSlqCb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2065">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">447</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">495</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">822</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2069">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">2,975</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2071">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2072">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">4,739</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-decoration: underline; font-weight: bold; text-align: left"><span style="font-size: 8pt">Home Equity:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41E_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zwZUMEFLAfX3" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 8.25pt"><span style="font-size: 8pt">Pass</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">9,937</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">10,885</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">6,861</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">7,108</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">5,234</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">7,261</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">60,115</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">2,329</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">109,730</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41B_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zHyYxhU6HAxg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 8.25pt"><span style="font-size: 8pt">Substandard</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2083">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2084">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2085">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2086">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2087">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">7</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">90</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">12</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">109</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zx4oqtVVoSV8" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt"><span style="font-size: 8pt">Total home equity loans</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">9,937</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">10,885</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">6,861</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">7,108</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">5,234</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">7,268</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">60,205</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">2,341</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">109,839</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-size: 8pt"> Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_417_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zXlLn0UmXbb2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">9,937</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">10,885</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">6,861</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">7,108</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">5,234</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">7,261</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">60,115</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">2,329</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">109,730</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41E_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zqzQExVHL1H2" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2110">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2111">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2112">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2113">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2114">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">7</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">90</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">12</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">109</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <p style="margin-top: 0; margin-bottom: 0"></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="22" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Term Loans Originated by Year</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2023</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2022</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2021</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2020</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">2019</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Prior</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Revolving Loans Converted to Term Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td><td style="font-weight: bold; padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-size: 8pt">Total</span></td><td style="padding-bottom: 1pt; font-weight: bold"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td colspan="34" style="text-align: center"><span style="font-size: 8pt">(Dollars in thousands)</span></td><td><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="text-decoration: underline; font-weight: bold; text-align: left"><span style="font-size: 8pt">Commercial and Industrial:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_412_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_z1AOCXs8lrAi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.25pt; width: 19%"><span style="font-size: 8pt">Pass (Rated 1- 4)</span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">31,108</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">35,705</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">26,553</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">19,780</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">19,765</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">8,825</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">57,393</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">69</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td><td style="width: 1%"><span style="font-size: 8pt"> </span></td> <td style="width: 1%; text-align: left"><span style="font-size: 8pt">$</span></td><td style="width: 6%; text-align: right"><span style="font-size: 8pt">199,198</span></td><td style="width: 1%; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_411_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zLvbZStoBQj2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Special Mention (Rated 5)</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2129">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">101</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2131">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2132">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">8</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">498</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">707</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2136">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">1,314</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41F_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zD2Ikh9x0hEg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 8.25pt"><span style="font-size: 8pt">Substandard (Rated 6)</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2138">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2139">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">1,408</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">8,156</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2142">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">85</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">7,286</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2145">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">16,935</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_413_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zM3DN8ayhsX7" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in"><span style="font-size: 8pt">Total commercial and industrial loans</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">31,108</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">35,806</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">27,961</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">27,936</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">19,773</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">9,408</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">65,386</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">69</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">217,447</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98B_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedFiscalYearBeforeCurrentFiscalYear_iP2custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zkvajBV22Rzc" style="text-align: right" title="Current period gross charge-offs, Year Two, Originated, Fiscal Year before Current Fiscal Year"><span style="font-size: 8pt">147</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98D_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zNlIfVM3JI4c" style="text-align: right" title="Current period gross charge-offs, Originated, More than Five Years before Current Fiscal Year"><span style="font-size: 8pt">221</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_985_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_iP3custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zvm2RIddLnYa" style="text-align: right" title="Current period gross charge-offs, Revolving Loans Converted to Term Loans"><span style="font-size: 8pt">1,193</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zoCROl8jb4Dl" style="text-align: right"><span style="font-size: 8pt">1,561</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 8.25pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.05pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41A_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zC4fEgtHpKy4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.55pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">31,108</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">35,806</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">27,961</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">27,936</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">19,773</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">9,401</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">65,175</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">69</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">217,229</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41C_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_z7XiHchS1omc" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.55pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2172">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2173">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2174">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2175">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2176">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">7</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">211</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2179">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">218</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; font-weight: bold"><span style="font-size: 8pt">Consumer:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41C_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zZoOWczIlu4j" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 8.25pt"><span style="font-size: 8pt">Pass</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">2,168</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">1,381</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">524</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">241</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">68</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">270</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">812</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2188">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">5,464</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41B_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zWcjfGOn7EKl" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 8.25pt"><span style="font-size: 8pt">Substandard</span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2190">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2191">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2192">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2193">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2194">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">8</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2196">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2197">—</span></span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font-size: 8pt"> </span></td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="font-size: 8pt">8</span></td><td style="padding-bottom: 1pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_418_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zwYje5nwQRG3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt"><span style="font-size: 8pt">Total consumer loans</span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">2,168</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">1,381</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">524</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">241</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">68</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">278</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">812</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2206">—</span></span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td><td style="padding-bottom: 2.5pt"><span style="font-size: 8pt"> </span></td> <td style="border-bottom: Black 2.5pt double; text-align: left"><span style="font-size: 8pt">$</span></td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="font-size: 8pt">5,472</span></td><td style="padding-bottom: 2.5pt; text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Current period gross charge-offs</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">—</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_985_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolving_iP2custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zX9zzbeT3jG" style="text-align: right" title="Current period gross charge-offs, Revolving Loans"><span style="font-size: 8pt">3</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_986_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_maChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zDKnFWZyN9mc" style="text-align: right"><span style="font-size: 8pt">182</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20230101__20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z0RX864kOwu1" style="text-align: right"><span style="font-size: 8pt">185</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.25pt"><span style="font-size: 8pt">Payment Performance:</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"> </span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_41A_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zIzZqweceVGb" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Performing</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">2,168</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">1,381</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">524</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">241</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">68</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">271</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">811</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2219">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt">$</span></td><td style="text-align: right"><span style="font-size: 8pt">5,464</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> <tr id="xdx_414_20231231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_z9iEGwTyciee" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 21.75pt"><span style="font-size: 8pt">Nonperforming</span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2221">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2222">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2223">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2224">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2225">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">7</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">1</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt"><span style="-sec-ix-hidden: xdx2ixbrl2228">—</span></span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td><td><span style="font-size: 8pt"> </span></td> <td style="text-align: left"><span style="font-size: 8pt"> </span></td><td style="text-align: right"><span style="font-size: 8pt">8</span></td><td style="text-align: left"><span style="font-size: 8pt"> </span></td></tr> </table> 8558000 43495000 187387000 235012000 111791000 403778000 77388000 1067409000 174000 3684000 693000 4551000 8492000 3458000 11950000 8558000 43495000 187387000 235012000 120457000 410920000 78081000 1083910000 8558000 43495000 187387000 235012000 120457000 409885000 78081000 1082875000 1035000 1035000 11361000 57844000 91010000 93134000 123881000 224744000 7904000 609878000 446000 484000 872000 3597000 5399000 11361000 57844000 91456000 93618000 124753000 228341000 7904000 615277000 11361000 57844000 91010000 93134000 123881000 225651000 7904000 610785000 446000 484000 872000 2690000 4492000 2599000 10003000 10462000 6680000 6849000 11976000 60612000 2206000 111387000 90000 11000 101000 2599000 10003000 10462000 6680000 6849000 11976000 60702000 2217000 111488000 7000 7000 2599000 10003000 10462000 6680000 6849000 11976000 60612000 2206000 111387000 90000 11000 101000 6463000 23412000 34411000 30525000 17998000 25793000 53851000 68000 192521000 6200000 95000 35000 2052000 2266000 10648000 527000 74000 3537000 4138000 6463000 29612000 34506000 30560000 18525000 27919000 59654000 68000 207307000 1000 1000 6463000 29612000 34506000 30560000 18525000 27913000 59459000 68000 207106000 6000 195000 201000 299000 1895000 1205000 449000 163000 210000 770000 4991000 7000 7000 299000 1895000 1205000 449000 163000 217000 770000 4998000 59000 59000 299000 1895000 1205000 449000 163000 210000 769000 4990000 7000 1000 8000 42764000 175829000 228739000 113631000 91353000 320806000 81483000 9289000 1063894000 180000 915000 3237000 164000 4496000 8013000 3348000 11361000 42764000 175829000 228739000 121824000 92268000 327391000 81647000 9289000 1079751000 764000 764000 42764000 175829000 228739000 121824000 92268000 326044000 81647000 9289000 1078404000 1347000 1347000 59257000 88213000 94290000 125917000 54263000 174688000 10401000 607029000 447000 495000 445000 3899000 5286000 59257000 88660000 94785000 126362000 54263000 178587000 10401000 612315000 59257000 88213000 94290000 125540000 54263000 175612000 10401000 607576000 447000 495000 822000 2975000 4739000 9937000 10885000 6861000 7108000 5234000 7261000 60115000 2329000 109730000 7000 90000 12000 109000 9937000 10885000 6861000 7108000 5234000 7268000 60205000 2341000 109839000 9937000 10885000 6861000 7108000 5234000 7261000 60115000 2329000 109730000 7000 90000 12000 109000 31108000 35705000 26553000 19780000 19765000 8825000 57393000 69000 199198000 101000 8000 498000 707000 1314000 1408000 8156000 85000 7286000 16935000 31108000 35806000 27961000 27936000 19773000 9408000 65386000 69000 217447000 147000 221000 1193000 1561000 31108000 35806000 27961000 27936000 19773000 9401000 65175000 69000 217229000 7000 211000 218000 2168000 1381000 524000 241000 68000 270000 812000 5464000 8000 8000 2168000 1381000 524000 241000 68000 278000 812000 5472000 3000 182000 185000 2168000 1381000 524000 241000 68000 271000 811000 5464000 7000 1000 8000 <p id="xdx_80A_eus-gaap--GoodwillAndIntangibleAssetsDisclosureTextBlock_ztFZwNfWT4Ac" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt; text-indent: -9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>6. <span id="xdx_82D_zXNGqNrmtO3j">GOODWILL AND OTHER INTANGIBLES</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt; text-indent: -9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Goodwill</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Goodwill is measured as the excess of the cost of a business combination over the sum of the amounts assigned to identifiable intangible assets acquired less liabilities assumed. Goodwill is not amortized but rather assessed for impairment annually or more frequently if circumstances warrant. Management has the option of first assessing qualitative factors, such as events and circumstances, to determine whether it is more likely than not, meaning a likelihood of more than 50%, the value of a reporting unit is less than its carrying amount. If, after considering all relevant events and circumstances, management determines it is not more likely than not the fair value of a reporting unit is less than its carrying amount, then performing an impairment test is unnecessary. At March 31, 2024 and December 31, 2023, the Company’s goodwill was related to the acquisition of Chicopee Savings Bank in October 2016. For the three months ended March 31, 2024, management determined that it was not more likely than not the fair value of the reporting unit was less than its carrying amount. If management had determined otherwise, a fair value analysis would have been completed to determine the impairment and necessary write-down of goodwill. For the year ended December 31, 2023, the carrying value of the Company’s equity exceeded its market capitalization for a period in 2023 due to events affecting the banking industry, specifically three large bank failures and the continued impact of higher interest rates, resulting in declines in bank stock prices. Therefore, the Company completed a fair value analysis to assess potential impairment and any necessary write-down of the carrying value of goodwill. Management used valuation multiples from recent comparable whole bank merger and acquisition transactions to determine the estimated fair value of the Company. Based on the results of this analysis, management determined that the fair value of the Company exceeded the carrying value of the reporting unit, and as a result, goodwill was not impaired at December 31, 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Core Deposit Intangibles</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In connection with the acquisition of Chicopee, the Bank recorded a core deposit intangible of $<span id="xdx_906_eus-gaap--FiniteLivedCoreDepositsGross_iI_pn5n6_c20240331__us-gaap--FiniteLivedIntangibleAssetsByMajorClassAxis__us-gaap--CoreDepositsMember_zgTsNfTpZL1c" title="Acquired core deposit intangible">4.5</span> million, which is amortized over <span id="xdx_900_eus-gaap--FiniteLivedIntangibleAssetUsefulLife_iI_dt_c20240331__us-gaap--FiniteLivedIntangibleAssetsByMajorClassAxis__us-gaap--CoreDepositsMember_zgdseSbL9Ngk" title="Amortization period of core deposit intangible">twelve years</span> using the straight-line method. Amortization expense was $<span id="xdx_900_eus-gaap--AmortizationOfIntangibleAssets_pn3p0_c20240101__20240331_zXHii2cYjfE4" title="Amortization of core deposit intangible"><span id="xdx_90C_eus-gaap--AmortizationOfIntangibleAssets_pn3p0_c20230101__20230331_zaD8RNicqAO2" title="Amortization of core deposit intangible">94,000</span></span> for the three months ended March 31, 2024 and 2023. At March 31, 2024, future amortization of the core deposit intangible totaled $<span id="xdx_901_ecustom--FiniteLivedIntangibleAssetsAmortizationExpenseYearOneToFour_iI_pn3p0_c20240331__us-gaap--FiniteLivedIntangibleAssetsByMajorClassAxis__us-gaap--CoreDepositsMember_zSL6JvR6bZfc" title="Future amortization of core deposit intangible assets years 1-4">375,000</span> for each of the next four years and $<span id="xdx_908_eus-gaap--FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive_iI_pn3p0_c20240331__us-gaap--FiniteLivedIntangibleAssetsByMajorClassAxis__us-gaap--CoreDepositsMember_z8nTL0FyFej4" title="Future amortization of core deposit intangible assets thereafter">219,000</span> thereafter.</span></p> 4500000 P12Y 94000 94000 375000 219000 <p id="xdx_802_eus-gaap--DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_zhQeAS8guvc3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>7. <span id="xdx_827_zldQEcM0Qv8i">SHARE-BASED COMPENSATION</span> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Restricted Stock Awards. </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In May 2021, the Company’s shareholders approved the 2021 Omnibus Incentive Plan, a stock-based compensation plan (the “2021 Omnibus Plan”). Under the 2021 Omnibus Plan, up to <span id="xdx_904_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_iI_c20210531__us-gaap--AwardTypeAxis__custom--StockCompensationPlan2021Member_zoNpL0oiUxPj" title="Shares authorized">700,000</span> shares of the Company’s common stock were reserved for grants of stock awards, including stock options and restricted stock, which may be granted to any officer, key employee or non-employee director of the Company. Any shares that are not issued because vesting requirements are not met will be available for future issuance under the 2021 Omnibus Plan.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On an annual basis, the Compensation Committee (the “Committee”) approves long-term incentive awards out of the 2021 Omnibus Plan, whereby shares will be granted to eligible participants of the Company that are nominated by the Chief Executive Officer and approved by the Committee, with vesting over a <span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockCompensationPlanMember__us-gaap--GranteeStatusAxis__us-gaap--ShareBasedPaymentArrangementEmployeeMember_zRM0Aj2W6eVg" title="Vesting period::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2249">three-year</span></span> term for employees and a <span id="xdx_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--StockCompensationPlanMember__us-gaap--GranteeStatusAxis__us-gaap--ShareBasedPaymentArrangementNonemployeeMember_z7ql5Ne6nXj7" title="::XDX::P1Y"><span style="-sec-ix-hidden: xdx2ixbrl2250">one-year</span></span> term for directors. Annual employee grants provide for a periodic award that is both performance and time-based and is designed to recognize the executive’s responsibilities, reward performance and leadership and as a retention tool. The objective of the award is to align compensation for the named executive officers and directors over a multi-year period directly with the interests of our shareholders by motivating and rewarding creation and preservation of long-term financial strength, shareholder value and relative shareholder return.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In May 2021, <span id="xdx_904_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member_zNKFjjjNzDwl" title="Shares granted">122,362</span> shares were granted under the 2021 Long-Term Incentive Plan (the “2021 Incentive Plan”). Of the <span id="xdx_904_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member_zSiwFRk7rae" title="Shares granted">122,362</span> shares, <span id="xdx_902_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zWIvb4bnyZGh">61,181</span> shares were time-based, vesting ratably over a <span id="xdx_906_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zl1xFpdxY5x7" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2256">three-year</span></span> period. The remaining <span id="xdx_90A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zSBsVXq41WLc">61,181</span> shares granted are performance-based and are subject to the achievement of the 2021 Incentive Plan performance metrics, with <span id="xdx_90E_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zbZ9rqGBBeL1" title="Vesting percentage">50</span>% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2021 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and maximum absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a <span id="xdx_905_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_z1njCmGwoOqc" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2260">three-year</span></span> cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p id="xdx_896_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2021TableTextBlock_zaHBVFpBIFZh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom; background-color: transparent"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td id="xdx_490_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--ThresholdMember_zmBahqJufbd2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_493_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--TargetMember_z6aD1TvExJ5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--StretchMember_zrXmU5Lc4mbf" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: transparent"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td colspan="9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Return on Equity Metrics</b></span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--PercentageOfPerformanceEarnedDuringYearOne_pid_dp_uPure_zNmw2sRaN6kf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 46%; padding-left: 0in">December 31, 2021</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">5.63</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">6.25</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">7.50</td><td style="width: 1%; text-align: left">%</td></tr> <tr id="xdx_402_ecustom--PercentageOfPerformanceEarnedDuringYearTwo_pid_dp_uPure_ziBv9ANeueRj" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in">December 31, 2022</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.85</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.50</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.80</td><td style="text-align: left">%</td></tr> <tr id="xdx_405_ecustom--PercentageOfPerformanceEarnedDuringYearThree_pid_dp_uPure_zpFF0AVgaPI" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">December 31, 2023</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.08</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.75</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.10</td><td style="text-align: left">%</td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_490_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--ThresholdMember_zgh9kAy6Pnei" style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td id="xdx_493_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--TargetMember_zgIxJjiDeqWf" style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td id="xdx_49F_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--StretchMember_zD8BYonfwgZi" style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td colspan="9" style="border-bottom: Black 1pt solid; text-align: right"><p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Earnings Per Share Metrics</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font: 10pt Times New Roman, Times, Serif"></span></p> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: transparent"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; width: 46%">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--ThreeYearCumulativeEarningsPerShareDiluted_pid_uUSDPShares_zKqZ5huOscJg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Three-year Cumulative Diluted Earnings Per Share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.58</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.97</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.36</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AF_z9uxxdSR9QXb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">As of December 31, 2023, the three-year performance period for the 2021 Long-Tern Incentive Plan (the “2021 LTI Plan”) ended. The 2021 LTI Plan included a “catch-up” provision allowing unearned performance-based shares from the 2021 and 2022 performance periods to be earned at the end of the three-year period based on the final year performance. Of the <span id="xdx_908_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20231201__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zMTc3sG2xWVj">50,205</span> performance-based shares granted in 2021 based on achieving target, <span id="xdx_901_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber_iI_c20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zfET9WYQ9c1l" title="Performance based shares eligible for vest">69,376</span> performance-based shares were eligible for vesting during the first quarter of 2024 based on achieving stretch.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In March 2022, <span id="xdx_908_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zLHpm30byLrd">137,151</span> shares were granted under the 2022 Long-Term Incentive Plan (the “2022 Incentive Plan”). Of the <span id="xdx_908_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_z4tguJokSu4k">137,151</span> shares, <span id="xdx_90E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zvJPmdbqctB9">77,463</span> shares were time-based, with <span id="xdx_902_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheOneMember_z1YrUdAgkIg6">17,775</span> vesting in <span id="xdx_904_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_pid_dt_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheOneMember_zrNTQvJhrI6h">one year</span> and <span id="xdx_906_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheTwoMember_zfm7HXFrmrqh">59,688</span> vesting ratably over a <span id="xdx_907_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_pid_dxL_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheTwoMember_zqbTJtzELOQ5" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2288">three-year</span></span> period. The remaining <span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zMwjauIsYY6b">59,688</span> shares granted are performance-based and are subject to the achievement of the 2022 Incentive Plan performance metrics, with <span id="xdx_90F_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zG9KMeYhVM2c">50</span>% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2022 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and maximum absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the <span id="xdx_90B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zxbDiGfwain7" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2291">three-year</span></span> period as earned.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_894_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2022TableTextBlock_zPjioRXnsmSb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; background-color: White"> </td><td style="font-weight: bold; padding-bottom: 1pt; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; background-color: White"> </td><td id="xdx_490_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--ThresholdMember_zQ2512xUzTqb" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td id="xdx_49C_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--TargetMember_zHyZ8QrHTvNk" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td id="xdx_49B_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--StretchMember_zdGXloIYnMjh" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td><td style="padding-bottom: 1pt; text-align: left; background-color: White"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; background-color: White"> </td><td style="font-weight: bold; padding-bottom: 1pt; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; background-color: White"> </td><td colspan="9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"><span style="font: 10pt Times New Roman, Times, Serif"><b>Return on Equity Metrics</b></span></td><td style="padding-bottom: 1pt; text-align: left; background-color: White"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; background-color: White">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; background-color: White"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; background-color: White"> </td><td style="font-weight: bold; padding-bottom: 1pt; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; background-color: White"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; background-color: White"> </td><td style="font-weight: bold; padding-bottom: 1pt; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; background-color: White"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; background-color: White"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_ecustom--PercentageOfPerformanceEarnedDuringYearFour_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zKlqqPOnPSMi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 46%; padding-left: 5.4pt">December 31, 2022</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">7.79</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">8.20</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">8.61</td><td style="width: 1%; text-align: left">%</td></tr> <tr id="xdx_404_ecustom--PercentageOfPerformanceEarnedDuringYearFive_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zgG6cH0eBHd4" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt">December 31, 2023</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.93</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.35</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.77</td><td style="text-align: left">%</td></tr> <tr id="xdx_403_ecustom--PercentageOfPerformanceEarnedDuringYearSix_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_z5zz5WvN39ad" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt">December 31, 2024</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.03</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.45</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.87</td><td style="text-align: left">%</td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; background-color: White"> </td><td style="font-weight: bold; padding-bottom: 1pt; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td><td id="xdx_490_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--ThresholdMember_ziJHBaBMA4p3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td id="xdx_492_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--TargetMember_zAI31Wgw4JE9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td id="xdx_49B_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--StretchMember_ztBR3JSS8gR9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td><td style="padding-bottom: 1pt; text-align: left; background-color: White"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; background-color: White"> </td><td style="font-weight: bold; padding-bottom: 1pt; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td><td colspan="9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"><span style="font: 10pt Times New Roman, Times, Serif"><b>Earnings Per Share Metrics</b></span></td><td style="padding-bottom: 1pt; text-align: left; background-color: White"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; width: 46%; background-color: White">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%; background-color: White"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%; background-color: White"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%; background-color: White"> </td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%; background-color: White"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%; background-color: White"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%; background-color: White"> </td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%; background-color: White"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%; background-color: White"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%; background-color: White"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_402_ecustom--ThreeYearCumulativeEarningsPerShareDilutedTwo_pid_uUSDPShares_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zRUSaJNuSI23" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Three-year Cumulatzive Diluted Earnings Per Share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.35</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.61</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.85</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A2_zBfXdpupfXye" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">In March 2023, <span id="xdx_900_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zBkG79RcG2Qd">139,196</span> shares were granted under the 2023 Long-Term Incentive Plan (the “2023 Incentive Plan”). Of the <span id="xdx_900_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_z4axVDP3vcZ3">139,196</span> shares, <span id="xdx_905_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zVLjRawXbZqa">78,697</span> shares were time-based, with <span id="xdx_90E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheOneMember_z9zpfrCkP0Z4">18,198</span> vesting in <span id="xdx_904_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_pid_dt_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheOneMember_zOrzJprjZqa">one year</span> and <span id="xdx_902_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheTwoMember_zMGZp5dv9N1a">60,499</span> vesting ratably over a <span id="xdx_907_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_pid_dxL_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheTwoMember_zOSzFWaVqND6" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2316">three-year</span></span> period. The remaining <span id="xdx_906_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_z9qxn01SyvMe">60,499</span> shares granted are performance-based and are subject to the achievement of the 2023 Incentive Plan performance metrics, with <span id="xdx_905_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zs1OuabCmqL7">50</span>% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2023 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and maximum absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the <span id="xdx_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zjUej6cy6Ox8" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2319">three-year</span></span> period as earned.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_892_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2023TableTextBlock_zQL8tFwKgHPi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td id="xdx_497_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--ThresholdMember_zRfexG8DsDdl" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_499_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--TargetMember_zlpu1tmRHu6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_496_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--StretchMember_zTgjjnx5P2X6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td colspan="9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Return on Equity Metrics</b></span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--PercentageOfPerformanceEarnedDuringYearSeven_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zSrT9qJ01Ugh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 46%; padding-left: 0in">December 31, 2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">8.00</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">8.45</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">8.85</td><td style="width: 1%; text-align: left">%</td></tr> <tr id="xdx_406_ecustom--PercentageOfPerformanceEarnedDuringYearEight_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zuEeq8PVsDE1" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in">December 31, 2024</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.75</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9.25</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9.75</td><td style="text-align: left">%</td></tr> <tr id="xdx_40E_ecustom--PercentageOfPerformanceEarnedDuringYearNine_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zHxC6hLTlxEl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">December 31, 2025</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9.00</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9.50</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10.00</td><td style="text-align: left">%</td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td id="xdx_498_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--ThresholdMember_z0lUcOlHN957" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_498_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--TargetMember_zPwaOG4BnVTl" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_498_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--StretchMember_zZdljInhro62" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td colspan="9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Earnings Per Share Metrics</b></span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; width: 46%">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--ThreeYearCumulativeEarningsPerShareDilutedThree_pid_uUSDPShares_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_ztqbPLDQGomf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Three-year Cumulative Diluted Earnings Per Share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.39</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.65</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.89</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A0_zLBEdIEUW2zg" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In March 2024, <span id="xdx_90F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member_zQsgqK8eyPJh">167,878</span> shares were granted under the 2024 Long-Term Incentive Plan (the “2024 Incentive Plan”). Of the <span id="xdx_908_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member_zPpRCXw9mu59">167,878</span> shares, <span id="xdx_90F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zSWdjFOLmG3f">94,667</span> shares were time-based, with <span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheOneMember_zvrYkiILZSw5">21,456</span> vesting in <span id="xdx_909_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_pid_dt_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheOneMember_zXElQLaeAC9b">one year</span> and <span id="xdx_90E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheTwoMember_zyNYJ8P2PCU7">73,211</span> vesting ratably over a <span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_pid_dxL_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheTwoMember_z5bY6eUUZGY4" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2344">three-year</span></span> period. The remaining <span id="xdx_907_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_z5bFOlBO8vg2">73,211</span> shares granted are performance-based and are subject to the achievement of the 2024 Incentive Plan performance metrics, with <span id="xdx_901_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zuFLBPfA650i">50</span>% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2024 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and stretch absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a <span id="xdx_909_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20240301__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zoSZTpDxx3Fk" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2347">three-year</span></span> cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_897_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2024TableTextBlock_zLOz69KqmL1k" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The threshold, target and stretch metrics under the 2024 Incentive Plan are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td id="xdx_49A_20240101__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--ThresholdMember_zx1H6PCWSqWa" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_497_20240101__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--TargetMember_zNgXiry5YXw2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_494_20240101__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--StretchMember_zTrSOhPbNr71" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td colspan="9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Return on Equity Metrics</b></span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_404_ecustom--PercentageOfPerformanceEarnedDuringYearTen_pid_dp_uPure_zeog4tlZfPWe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 46%; padding-left: 0in">December 31, 2024</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">5.05</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">5.61</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">6.17</td><td style="width: 1%; text-align: left">%</td></tr> <tr id="xdx_408_ecustom--PercentageOfPerformanceEarnedDuringYearEleven_pid_dp_uPure_zob24ELa2thl" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in">December 31, 2025</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.18</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.86</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.55</td><td style="text-align: left">%</td></tr> <tr id="xdx_401_ecustom--PercentageOfPerformanceEarnedDuringYearTwelve_pid_dp_uPure_zVQewwXR3Wjb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">December 31, 2026</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.30</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.11</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.92</td><td style="text-align: left; padding-left: -0.125in">%</td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_493_20240101__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--ThresholdMember_zdchrVbLqIMa" style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td id="xdx_497_20240101__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--TargetMember_zuxnR6wX8Iw6" style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td id="xdx_491_20240101__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--StretchMember_zLnq7WMD5RZk" style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td colspan="9" style="border-bottom: Black 1pt solid; text-align: right"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Earnings Per Share Metrics</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"></span></p> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; width: 46%">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--ThreeYearCumulativeEarningsPerShareDilutedFour_pid_uUSDPShares_zQB3A1T0tZ0i" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Three-year Cumulative Diluted Earnings Per Share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.25</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.75</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A5_zExFrCeWjtK7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font: 10pt Times New Roman, Times, Serif">At March 31, 2024, there were <span id="xdx_90C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_iI_pid_c20240331__us-gaap--PlanNameAxis__custom--StockCompensationPlan2021Member_z3D4VofqGJ4d" title="Shares available for grant">121,203</span> remaining shares available to grant under the 2021 Plan.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font: 10pt Times New Roman, Times, Serif"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p id="xdx_895_eus-gaap--NonvestedRestrictedStockSharesActivityTableTextBlock_zs1qTHocqAU3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A summary of the status of restricted stock awards at March 31, 2024 and 2023 is presented below:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom"> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Weighted Average</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Grant Date Fair Value</b></span> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>($)</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td colspan="2" style="text-align: left"><span style="font: 10pt Times New Roman, Times, Serif">Balance at December 31, 2023</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iS_pid_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z4yRezyUqIZg" style="text-align: right" title="Beginning balance">220,635</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iS_pp2p0_uUSDPShares_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zrgCtg9YFhi9" style="text-align: right" title="Beginning balance">9.29</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; width: 1%"> </td><td style="text-align: left; width: 53%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares granted</span></td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zT3faO7893jd" style="text-align: right; width: 12%" title="Shares granted">187,049</td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_znALq6AbIArb" style="text-align: right; width: 12%" title="Shares granted">8.38</td><td style="text-align: left; width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares vested</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_iN_pid_di_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zqpyeaUNdTdi" style="border-bottom: Black 1pt solid; text-align: right" title="Shares vested">(69,376</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zTxHhDLVuwub" style="padding-bottom: 1pt; text-align: right" title="Shares vested">8.34</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td colspan="2" style="padding-bottom: 2.5pt; font-weight: bold; text-align: left; padding-left: 0in"><span style="font: 10pt Times New Roman, Times, Serif"><b>Balance at March 31, 2024</b></span></td><td style="padding-bottom: 2.5pt; font-weight: bold; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iE_pid_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zhqFJ7aklsF2" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance">338,308</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iE_pp2p0_uUSDPShares_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z6UW6AV4cvUf" style="padding-bottom: 2.5pt; text-align: right" title="Ending balance">8.98</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Weighted Average</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Grant Date Fair Value</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>($)</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 54%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Balance at December 31, 2022</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iS_pid_c20230101__20230331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z0l2XsBPJ3K6" style="width: 12%; text-align: right">206,092</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iS_pp2p0_uUSDPShares_c20230101__20230331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zJReveKpSLV8" style="width: 12%; text-align: right">8.85</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares granted</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20230101__20230331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zqRf09ZdAbcc" style="text-align: right">158,957</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20230101__20230331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_ziRiDoyf4K11" style="text-align: right">9.79</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; text-align: left; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares vested</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_iN_pid_di_c20230101__20230331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zFmsAfzaUvIa" style="border-bottom: Black 1pt solid; text-align: right">(59,270</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20230101__20230331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zZiJNnYLpVUj" style="padding-bottom: 1pt; text-align: right">9.11</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt; font-weight: bold; text-align: left; padding-left: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Balance at March 31, 2023</b></span></td><td style="padding-bottom: 2.5pt; font-weight: bold; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iE_pid_c20230101__20230331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zjd41YC0v2Z4" style="border-bottom: Black 2.5pt double; text-align: right">305,779</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iE_pp2p0_uUSDPShares_c20230101__20230331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zu66PgzrmEKk" style="padding-bottom: 2.5pt; text-align: right">9.29</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A3_ziwjUPkzYRf5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font: 10pt Times New Roman, Times, Serif">We recorded total expense for restricted stock awards of $<span id="xdx_909_eus-gaap--RestrictedStockExpense_pn3p0_c20240101__20240331_zWgFuaC8wia5" title="Restricted stock expense">505,000</span> and $<span id="xdx_901_eus-gaap--RestrictedStockExpense_pn3p0_c20230101__20230331_zdK7b1lVICCi">529,000</span> for the three months ended March 31, 2024 and 2023, respectively.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> 700000 122362 122362 61181 61181 0.50 <p id="xdx_896_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2021TableTextBlock_zaHBVFpBIFZh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom; background-color: transparent"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td id="xdx_490_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--ThresholdMember_zmBahqJufbd2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_493_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--TargetMember_z6aD1TvExJ5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--StretchMember_zrXmU5Lc4mbf" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: transparent"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td colspan="9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Return on Equity Metrics</b></span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--PercentageOfPerformanceEarnedDuringYearOne_pid_dp_uPure_zNmw2sRaN6kf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 46%; padding-left: 0in">December 31, 2021</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">5.63</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">6.25</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">7.50</td><td style="width: 1%; text-align: left">%</td></tr> <tr id="xdx_402_ecustom--PercentageOfPerformanceEarnedDuringYearTwo_pid_dp_uPure_ziBv9ANeueRj" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in">December 31, 2022</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.85</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.50</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.80</td><td style="text-align: left">%</td></tr> <tr id="xdx_405_ecustom--PercentageOfPerformanceEarnedDuringYearThree_pid_dp_uPure_zpFF0AVgaPI" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">December 31, 2023</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.08</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.75</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.10</td><td style="text-align: left">%</td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_490_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--ThresholdMember_zgh9kAy6Pnei" style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td id="xdx_493_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--TargetMember_zgIxJjiDeqWf" style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td id="xdx_49F_20210101__20211231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--VestingAxis__custom--StretchMember_zD8BYonfwgZi" style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td colspan="9" style="border-bottom: Black 1pt solid; text-align: right"><p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Earnings Per Share Metrics</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font: 10pt Times New Roman, Times, Serif"></span></p> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: transparent"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; width: 46%">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--ThreeYearCumulativeEarningsPerShareDiluted_pid_uUSDPShares_zKqZ5huOscJg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Three-year Cumulative Diluted Earnings Per Share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.58</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.97</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.36</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> </table> 0.0563 0.0625 0.0750 0.0585 0.0650 0.0780 0.0608 0.0675 0.0810 1.58 1.97 2.36 50205 69376 137151 137151 77463 17775 P1Y 59688 59688 0.50 <p id="xdx_894_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2022TableTextBlock_zPjioRXnsmSb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; background-color: White"> </td><td style="font-weight: bold; padding-bottom: 1pt; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; background-color: White"> </td><td id="xdx_490_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--ThresholdMember_zQ2512xUzTqb" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td id="xdx_49C_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--TargetMember_zHyZ8QrHTvNk" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td id="xdx_49B_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--StretchMember_zdGXloIYnMjh" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td><td style="padding-bottom: 1pt; text-align: left; background-color: White"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; background-color: White"> </td><td style="font-weight: bold; padding-bottom: 1pt; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; background-color: White"> </td><td colspan="9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"><span style="font: 10pt Times New Roman, Times, Serif"><b>Return on Equity Metrics</b></span></td><td style="padding-bottom: 1pt; text-align: left; background-color: White"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; background-color: White">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; background-color: White"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; background-color: White"> </td><td style="font-weight: bold; padding-bottom: 1pt; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; background-color: White"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; background-color: White"> </td><td style="font-weight: bold; padding-bottom: 1pt; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; background-color: White"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; background-color: White"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_ecustom--PercentageOfPerformanceEarnedDuringYearFour_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zKlqqPOnPSMi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 46%; padding-left: 5.4pt">December 31, 2022</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">7.79</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">8.20</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">8.61</td><td style="width: 1%; text-align: left">%</td></tr> <tr id="xdx_404_ecustom--PercentageOfPerformanceEarnedDuringYearFive_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zgG6cH0eBHd4" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt">December 31, 2023</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.93</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.35</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.77</td><td style="text-align: left">%</td></tr> <tr id="xdx_403_ecustom--PercentageOfPerformanceEarnedDuringYearSix_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_z5zz5WvN39ad" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt">December 31, 2024</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.03</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.45</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.87</td><td style="text-align: left">%</td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; background-color: White"> </td><td style="font-weight: bold; padding-bottom: 1pt; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td><td id="xdx_490_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--ThresholdMember_ziJHBaBMA4p3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td id="xdx_492_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--TargetMember_zAI31Wgw4JE9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td> <td id="xdx_49B_20220101__20221231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--VestingAxis__custom--StretchMember_ztBR3JSS8gR9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td><td style="padding-bottom: 1pt; text-align: left; background-color: White"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; background-color: White"> </td><td style="font-weight: bold; padding-bottom: 1pt; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"> </td><td colspan="9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; background-color: White"><span style="font: 10pt Times New Roman, Times, Serif"><b>Earnings Per Share Metrics</b></span></td><td style="padding-bottom: 1pt; text-align: left; background-color: White"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; width: 46%; background-color: White">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%; background-color: White"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%; background-color: White"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%; background-color: White"> </td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%; background-color: White"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%; background-color: White"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%; background-color: White"> </td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%; background-color: White"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%; background-color: White"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%; background-color: White"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%; background-color: White"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_402_ecustom--ThreeYearCumulativeEarningsPerShareDilutedTwo_pid_uUSDPShares_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zRUSaJNuSI23" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Three-year Cumulatzive Diluted Earnings Per Share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.35</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.61</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.85</td><td style="text-align: left"> </td></tr> </table> 0.0779 0.0820 0.0861 0.0793 0.0835 0.0877 0.0803 0.0845 0.0887 2.35 2.61 2.85 139196 139196 78697 18198 P1Y 60499 60499 0.50 <p id="xdx_892_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2023TableTextBlock_zQL8tFwKgHPi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td id="xdx_497_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--ThresholdMember_zRfexG8DsDdl" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_499_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--TargetMember_zlpu1tmRHu6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_496_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--StretchMember_zTgjjnx5P2X6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td colspan="9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Return on Equity Metrics</b></span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--PercentageOfPerformanceEarnedDuringYearSeven_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zSrT9qJ01Ugh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 46%; padding-left: 0in">December 31, 2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">8.00</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">8.45</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">8.85</td><td style="width: 1%; text-align: left">%</td></tr> <tr id="xdx_406_ecustom--PercentageOfPerformanceEarnedDuringYearEight_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zuEeq8PVsDE1" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in">December 31, 2024</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.75</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9.25</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9.75</td><td style="text-align: left">%</td></tr> <tr id="xdx_40E_ecustom--PercentageOfPerformanceEarnedDuringYearNine_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zHxC6hLTlxEl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">December 31, 2025</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9.00</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9.50</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10.00</td><td style="text-align: left">%</td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td id="xdx_498_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--ThresholdMember_z0lUcOlHN957" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_498_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--TargetMember_zPwaOG4BnVTl" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_498_20230101__20231231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--VestingAxis__custom--StretchMember_zZdljInhro62" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td colspan="9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Earnings Per Share Metrics</b></span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; width: 46%">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--ThreeYearCumulativeEarningsPerShareDilutedThree_pid_uUSDPShares_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_ztqbPLDQGomf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Three-year Cumulative Diluted Earnings Per Share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.39</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.65</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.89</td><td style="text-align: left"> </td></tr> </table> 0.0800 0.0845 0.0885 0.0875 0.0925 0.0975 0.0900 0.0950 0.1000 2.39 2.65 2.89 167878 167878 94667 21456 P1Y 73211 73211 0.50 <p id="xdx_897_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2024TableTextBlock_zLOz69KqmL1k" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The threshold, target and stretch metrics under the 2024 Incentive Plan are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td id="xdx_49A_20240101__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--ThresholdMember_zx1H6PCWSqWa" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_497_20240101__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--TargetMember_zNgXiry5YXw2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_494_20240101__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--StretchMember_zTrSOhPbNr71" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td colspan="9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Return on Equity Metrics</b></span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_404_ecustom--PercentageOfPerformanceEarnedDuringYearTen_pid_dp_uPure_zeog4tlZfPWe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 46%; padding-left: 0in">December 31, 2024</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">5.05</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">5.61</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">6.17</td><td style="width: 1%; text-align: left">%</td></tr> <tr id="xdx_408_ecustom--PercentageOfPerformanceEarnedDuringYearEleven_pid_dp_uPure_zob24ELa2thl" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0in">December 31, 2025</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.18</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.86</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.55</td><td style="text-align: left">%</td></tr> <tr id="xdx_401_ecustom--PercentageOfPerformanceEarnedDuringYearTwelve_pid_dp_uPure_zVQewwXR3Wjb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0in">December 31, 2026</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.30</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.11</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8.92</td><td style="text-align: left; padding-left: -0.125in">%</td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_493_20240101__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--ThresholdMember_zdchrVbLqIMa" style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td id="xdx_497_20240101__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--TargetMember_zuxnR6wX8Iw6" style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td style="border-bottom: Black 1pt solid; text-align: right"> </td> <td id="xdx_491_20240101__20240331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2024Member__us-gaap--VestingAxis__custom--StretchMember_zLnq7WMD5RZk" style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td colspan="9" style="border-bottom: Black 1pt solid; text-align: right"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Earnings Per Share Metrics</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"></span></p> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; width: 46%">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td><td style="font-weight: bold; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left; width: 1%"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; width: 10%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; width: 1%"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--ThreeYearCumulativeEarningsPerShareDilutedFour_pid_uUSDPShares_zQB3A1T0tZ0i" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">Three-year Cumulative Diluted Earnings Per Share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.25</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2.75</td><td style="text-align: left"> </td></tr> </table> 0.0505 0.0561 0.0617 0.0618 0.0686 0.0755 0.0730 0.0811 0.0892 2.25 2.50 2.75 121203 <p id="xdx_895_eus-gaap--NonvestedRestrictedStockSharesActivityTableTextBlock_zs1qTHocqAU3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A summary of the status of restricted stock awards at March 31, 2024 and 2023 is presented below:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom"> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Weighted Average</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Grant Date Fair Value</b></span> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>($)</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td colspan="2" style="text-align: left"><span style="font: 10pt Times New Roman, Times, Serif">Balance at December 31, 2023</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iS_pid_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z4yRezyUqIZg" style="text-align: right" title="Beginning balance">220,635</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iS_pp2p0_uUSDPShares_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zrgCtg9YFhi9" style="text-align: right" title="Beginning balance">9.29</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; width: 1%"> </td><td style="text-align: left; width: 53%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares granted</span></td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zT3faO7893jd" style="text-align: right; width: 12%" title="Shares granted">187,049</td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_znALq6AbIArb" style="text-align: right; width: 12%" title="Shares granted">8.38</td><td style="text-align: left; width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: left; padding-left: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares vested</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_iN_pid_di_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zqpyeaUNdTdi" style="border-bottom: Black 1pt solid; text-align: right" title="Shares vested">(69,376</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zTxHhDLVuwub" style="padding-bottom: 1pt; text-align: right" title="Shares vested">8.34</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td colspan="2" style="padding-bottom: 2.5pt; font-weight: bold; text-align: left; padding-left: 0in"><span style="font: 10pt Times New Roman, Times, Serif"><b>Balance at March 31, 2024</b></span></td><td style="padding-bottom: 2.5pt; font-weight: bold; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iE_pid_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zhqFJ7aklsF2" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance">338,308</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iE_pp2p0_uUSDPShares_c20240101__20240331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z6UW6AV4cvUf" style="padding-bottom: 2.5pt; text-align: right" title="Ending balance">8.98</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Weighted Average</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Grant Date Fair Value</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>($)</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 54%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Balance at December 31, 2022</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iS_pid_c20230101__20230331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z0l2XsBPJ3K6" style="width: 12%; text-align: right">206,092</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iS_pp2p0_uUSDPShares_c20230101__20230331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zJReveKpSLV8" style="width: 12%; text-align: right">8.85</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares granted</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20230101__20230331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zqRf09ZdAbcc" style="text-align: right">158,957</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20230101__20230331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_ziRiDoyf4K11" style="text-align: right">9.79</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; text-align: left; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares vested</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_iN_pid_di_c20230101__20230331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zFmsAfzaUvIa" style="border-bottom: Black 1pt solid; text-align: right">(59,270</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20230101__20230331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zZiJNnYLpVUj" style="padding-bottom: 1pt; text-align: right">9.11</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt; font-weight: bold; text-align: left; padding-left: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Balance at March 31, 2023</b></span></td><td style="padding-bottom: 2.5pt; font-weight: bold; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iE_pid_c20230101__20230331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zjd41YC0v2Z4" style="border-bottom: Black 2.5pt double; text-align: right">305,779</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iE_pp2p0_uUSDPShares_c20230101__20230331__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zu66PgzrmEKk" style="padding-bottom: 2.5pt; text-align: right">9.29</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 220635 9.29 187049 8.38 69376 8.34 338308 8.98 206092 8.85 158957 9.79 59270 9.11 305779 9.29 505000 529000 <p id="xdx_80E_eus-gaap--DebtDisclosureTextBlock_zXy4i6I3XOvd" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8. <span id="xdx_82A_zsUwlny2sZS">SHORT-TERM BORROWINGS AND LONG-TERM DEBT</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We utilize short-term borrowings and long-term debt as additional sources of funds to finance our lending and investing activities and to provide liquidity for daily operations. Total borrowing capacity includes borrowing arrangements at the FHLB, the Federal Reserve Bank (“FRB”), and borrowing arrangements with correspondent banks.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Short-term borrowings can consist of FHLB advances with an original maturity of less than one year, overnight Ideal Way line of credit advances and other borrowings held as collateral for customer swap arrangements. Other borrowings totaled <span id="xdx_905_eus-gaap--OtherBorrowings_iI_pn5n6_c20240331_zM7FR4A8VyJ7" title="Other borrowings">$6.7</span> million with a weighted average rate of <span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pid_dp_uPure_c20240331_zvDIbdN8b75b" title="Weighted average rate">5.33</span>% at March 31, 2024, compared to <span id="xdx_909_eus-gaap--OtherBorrowings_iI_pn5n6_c20231231_z69Pf47boFyd" title="Other borrowings">$6.1</span> million with a weighted average rate of <span id="xdx_908_eus-gaap--DebtWeightedAverageInterestRate_iI_pid_dp_uPure_c20231231_zcYdavYPDvF5" title="Weighted average rate for other borrowings">5.33</span>% at December 31, 2023. Short-term borrowings issued by the FHLB were $<span id="xdx_90A_eus-gaap--ShortTermBorrowings_iI_pn5n6_c20240331__us-gaap--DebtInstrumentAxis__us-gaap--FederalHomeLoanBankBorrowingsMember_zV3PPEEBCd36" title="Short term borrowings">4.8</span> million with a weighted average rate of <span id="xdx_90F_eus-gaap--ShortTermDebtWeightedAverageInterestRate_iI_pid_dp_uPure_c20240331__us-gaap--DebtInstrumentAxis__us-gaap--FederalHomeLoanBankBorrowingsMember_zbRjWnHMIpsl" title="Weighted average rate for short term debt">5.54</span>% at March 31, 2024 and $<span id="xdx_900_eus-gaap--ShortTermBorrowings_iI_pn5n6_c20231231__us-gaap--DebtInstrumentAxis__us-gaap--FederalHomeLoanBankBorrowingsMember_zcfJRAeJIuGf" title="Short term borrowings">10</span>.0 million with a weighted average rate of <span id="xdx_90C_eus-gaap--ShortTermDebtWeightedAverageInterestRate_iI_dp_c20231231__us-gaap--DebtInstrumentAxis__us-gaap--FederalHomeLoanBankBorrowingsMember_z8tRdJ47K0kc" title="Weighted average rate">5.56</span>% at December 31, 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">FHLB advances provide more pricing and option alternatives for particular asset/liability needs. The FHLB provides a central credit facility primarily for member institutions. As an FHLB member, the Company is required to own capital stock of the FHLB, calculated periodically based primarily on its level of borrowings from the FHLB. FHLB borrowings are secured by certain securities from the Company’s investment portfolio not otherwise pledged as well as certain residential real estate and commercial real estate loans. Advances are made under several different credit programs with different lending standards, interest rates and range of maturities. This relationship is an integral component of the Company’s asset-liability management program. At March 31, 2024, the Bank had $<span id="xdx_909_eus-gaap--DebtInstrumentUnusedBorrowingCapacityAmount_iI_pn5n6_c20240331__us-gaap--DebtInstrumentAxis__us-gaap--FederalHomeLoanBankBorrowingsMember_zwC9auYqvg9d" title="Borrowing capacity">508.1</span> million in additional borrowing capacity from the FHLB.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company also has a standing available overnight Ideal Way line of credit with the FHLB of $<span id="xdx_90D_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pn5n6_c20231231__us-gaap--LineOfCreditFacilityAxis__us-gaap--LineOfCreditMember_zG6EOO6MmWsh" title="Line of credit available"><span id="xdx_90D_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pn5n6_c20240331__us-gaap--LineOfCreditFacilityAxis__us-gaap--LineOfCreditMember_zl64sHsIqira" title="Line of credit available">9.5</span></span> million. Interest on this line of credit is payable at a rate determined and reset by the FHLB on a daily basis. The outstanding principal is due daily but the portion not repaid will be automatically renewed. The Company has an available line of credit of $<span id="xdx_902_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pn5n6_c20240331__us-gaap--LineOfCreditFacilityAxis__custom--FederalReserveBankDiscountWindowMember_zCTpf8zScCZg" title="Line of credit available">72.2</span> million with the FRB Discount Window at an interest rate determined and reset on a daily basis. Borrowings from the FRB Discount Window are secured by certain securities from the Company’s investment portfolio not otherwise pledged. As of March 31, 2024 and December 31, 2023, there were no advances outstanding under either of these lines.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company also has pre-established, non-collateralized overnight borrowing arrangements with large national and regional correspondent banks to provide additional overnight and short-term borrowing capacity for the Company. The Company has a $<span id="xdx_90D_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pdn6_c20240331__us-gaap--LineOfCreditFacilityAxis__custom--Bank1Member_zfh8YiERP1Ig" title="Line of credit available"><span id="xdx_908_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pdn6_c20231231__us-gaap--LineOfCreditFacilityAxis__custom--Bank1Member_zDPS54D41Gb2" title="Line of credit available">15</span></span>.0 million line of credit with a correspondent bank and a $<span id="xdx_902_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pdn6_c20240331__us-gaap--LineOfCreditFacilityAxis__custom--BankMember_zxZ8tJ4UDnbl" title="Line of credit available"><span id="xdx_900_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pdn6_c20231231__us-gaap--LineOfCreditFacilityAxis__custom--BankMember_zWjwgPumYQ3c" title="Line of credit available">10</span></span>.0 million line of credit with another correspondent bank, both at an interest rate determined and reset on a daily basis. As of March 31, 2024 and December 31, 2023, there were no advances outstanding under these lines.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Long-term debt consists of FHLB and FRB advances with an original maturity of one year or more. On March 12, 2023, the FRB made available the BTFP, which enhances the ability of banks to borrow greater amounts against certain high-quality, unencumbered investments at par value. During 2023, the Company participated in the BTFP, which enabled the Company to pay off higher rate FHLB advances. With the BTFP, the Company has the ability to pay off the BTFP advance prior to maturity without incurring a penalty or termination fee. Interest expense on BTFP advances is payable at maturity.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At March 31, 2024 and December 31, 2023, long-term debt consisted of $<span id="xdx_905_eus-gaap--LongTermDebt_iI_pn5n6_c20240331__us-gaap--LongtermDebtTypeAxis__us-gaap--FederalHomeLoanBankAdvancesMember_zmdtD5ecPnH4" title="Long-term Debt"><span id="xdx_90B_eus-gaap--LongTermDebt_iI_pn5n6_c20231231__us-gaap--LongtermDebtTypeAxis__us-gaap--FederalHomeLoanBankAdvancesMember_ztjzr82IkVWh" title="Long-term Debt">30.6</span></span> million in outstanding advances with the FHLB with a weighted average fixed rate of <span id="xdx_902_eus-gaap--LongtermDebtWeightedAverageInterestRate_iI_dp_c20240331__us-gaap--LongtermDebtTypeAxis__us-gaap--FederalHomeLoanBankAdvancesMember_zzZ45lIbQwD" title="Weighted average fixed rate"><span id="xdx_90B_eus-gaap--LongtermDebtWeightedAverageInterestRate_iI_dp_c20231231__us-gaap--LongtermDebtTypeAxis__us-gaap--FederalHomeLoanBankAdvancesMember_zz9U3BHKKJ65" title="Weighted average fixed rate">4.81</span></span>% and $<span id="xdx_90E_eus-gaap--LongTermDebt_iI_pn5n6_c20240331__us-gaap--LongtermDebtTypeAxis__custom--FederalReserveBankTermFundingProgramMember_z514acBDxio4" title="Long-term Debt"><span id="xdx_901_eus-gaap--LongTermDebt_iI_pn5n6_c20231231__us-gaap--LongtermDebtTypeAxis__custom--FederalReserveBankTermFundingProgramMember_z4uCdfJHIrWh" title="Long-term Debt">90</span></span>.0 million in outstanding advances under the BTFP with a weighted average fixed rate of <span id="xdx_909_eus-gaap--LongtermDebtWeightedAverageInterestRate_iI_dp_c20240331__us-gaap--LongtermDebtTypeAxis__custom--FederalReserveBankTermFundingProgramMember_zZIxlJnu4enk"><span id="xdx_903_eus-gaap--LongtermDebtWeightedAverageInterestRate_iI_dp_c20231231__us-gaap--LongtermDebtTypeAxis__custom--FederalReserveBankTermFundingProgramMember_zOLKWPJU1Lm7">4.71</span></span>%. At March 31, 2024, the Company had no remaining borrowing capacity under the BTFP.</span></p> 6700000 0.0533 6100000 0.0533 4800000 0.0554 10000000 0.0556 508100000 9500000 9500000 72200000 15000000 15000000 10000000 10000000 30600000 30600000 0.0481 0.0481 90000000 90000000 0.0471 0.0471 <p id="xdx_80C_eus-gaap--LongTermDebtTextBlock_zZg26vxHjKD6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>9. <span id="xdx_82B_zJcJ1PWnlUv5">SUBORDINATED DEBT</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On April 20, 2021, the Company completed an offering of $<span id="xdx_90D_eus-gaap--DebtInstrumentFaceAmount_iI_pn6n6_c20210420__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zGwzTZC5kEr4" title="Principal amount">20</span> million in aggregate principal amount of its <span id="xdx_90B_eus-gaap--DebtInstrumentInterestRateStatedPercentage_iI_dp_c20240331__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember__us-gaap--DebtInstrumentRedemptionPeriodAxis__us-gaap--DebtInstrumentRedemptionPeriodOneMember_zXRostTirNWe" title="Interest rate">4.875</span>% fixed-to-floating rate subordinated notes (the “Notes”) to certain qualified institutional buyers in a private placement transaction. At March 31, 2023, $<span id="xdx_90A_eus-gaap--DebtInstrumentCarryingAmount_iI_pn5n6_c20230331__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zgI0tFeqeUjd" title="Principal amount outstanding">19.7</span> million aggregate principle amount of the Notes was outstanding.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unless earlier redeemed, the Notes mature on <span id="xdx_90E_eus-gaap--DebtInstrumentMaturityDate_dd_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zejDnv7Q6an9" title="Maturity Date">May 1, 2031</span>. The Notes will bear interest from the initial issue date to, but excluding, <span id="xdx_90F_eus-gaap--DebtInstrumentRedemptionPeriodStartDate_dd_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zQWHH8hCR8Of" title="Earliest redemption date">May 1, 2026</span>, or the earlier redemption date, at a fixed rate of <span id="xdx_90A_eus-gaap--DebtInstrumentInterestRateStatedPercentage_iI_dp_uPure_c20240331__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember__us-gaap--DebtInstrumentRedemptionPeriodAxis__us-gaap--DebtInstrumentRedemptionPeriodOneMember_zYYJylATemWf" title="Interest rate">4.875</span>% per annum, payable quarterly in arrears on May 1, August 1, November 1 and February 1 of each year, beginning August 1, 2021, and from and including May 1, 2026, but excluding the maturity date or earlier redemption date, equal to the benchmark rate, which is the <span id="xdx_90B_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember__us-gaap--DebtInstrumentRedemptionPeriodAxis__us-gaap--DebtInstrumentRedemptionPeriodTwoMember_zeL4LHvTuSz6" title="Benchmark rate">90-day average secured overnight financing rate</span>, plus <span id="xdx_90B_eus-gaap--DebtInstrumentBasisSpreadOnVariableRate1_pp4p4_uPure_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember__us-gaap--DebtInstrumentRedemptionPeriodAxis__us-gaap--DebtInstrumentRedemptionPeriodTwoMember_zUesQMvkxrg7" title="Interest rate basis spread">412</span> basis points, determined on the determination date of the applicable interest period, payable quarterly in arrears on May 1, August 1, November 1 and February 1 of each year. The Company may also redeem the Notes, in whole or in part, on or after <span id="xdx_900_eus-gaap--DebtInstrumentRedemptionPeriodStartDate_dd_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_z16ViaJb8gYa" title="Earliest redemption date">May 1, 2026</span>, and at any time upon the occurrence of certain events, subject in each case to the approval of the Board of Governors of the Federal Reserve System (the “Federal Reserve”). The Notes were designed to qualify as Tier 2 capital under the Federal Reserve’s capital adequacy regulations.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Notes are presented net of issuance costs of <span id="xdx_90F_eus-gaap--DeferredFinanceCostsNet_iI_pn3p0_c20240331__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zipCCz6m0L9k" title="Issuance costs">$278,000</span> as of March 31, 2024, which are being amortized into interest expense over the life of the Notes. Amortization of issuance costs into interest expense was <span id="xdx_901_eus-gaap--AmortizationOfFinancingCosts_pn3p0_c20240101__20240331__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zH6UAFUADAnl" title="Amortization of subordinated debt issuance costs">$10,000</span> and <span id="xdx_905_eus-gaap--AmortizationOfFinancingCosts_pn3p0_c20230101__20230331__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zRFx82Ktvim1">$9,000</span> for the three months ended March 31, 2024 and 2023, respectively.</span></p> 20000000 0.04875 19700000 2031-05-01 2026-05-01 0.04875 90-day average secured overnight financing rate 0.0412 2026-05-01 278000 10000 9000 <p id="xdx_800_eus-gaap--DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_zUlBUKgHcvKl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>10. <span id="xdx_821_zbuceaBPZfX5">DERIVATIVES AND HEDGING ACTIVITIES</span> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Risk Management Objective of Using Derivatives.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company is exposed to certain risks arising from both our business operations and economic conditions. We principally manage our exposures to a wide variety of business and operational risks through management of our core business activities. We manage economic risks, including interest rate, liquidity, and credit risk, primarily by managing the amount, sources, and duration of our assets and liabilities and the use of derivative financial instruments. Specifically, we entered into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. Our derivative financial instruments are used to manage differences in the amount, timing, and duration of our known or expected cash receipts and our known or expected cash payments principally related to certain variable rate loan assets and variable rate borrowings.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Fair Value Hedges of Interest Rate Risk.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company is exposed to changes in the fair value of certain pools of fixed-rate assets due to changes in benchmark interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value on these instruments attributable to changes in the designated benchmark interest rate. The Company's interest rate swaps designated as fair value hedges involve the payment of fixed-rate amounts to a counterparty in exchange for the Company receiving variable-rate payments over the life of the agreements without the exchange of the underlying notional amount. For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in interest income<b>.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"><b></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p id="xdx_89A_eus-gaap--ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_zj6phbNa8Dok" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As of March 31, 2024 and December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 100%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="font-weight: bold; padding-bottom: 1pt"><p style="margin-top: 0; margin-bottom: 0"> </p></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><p style="margin-top: 0; margin-bottom: 0">Carrying Amount of Hedged</p> <p style="margin-top: 0; margin-bottom: 0">Assets/(Liabilities)</p></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: left"><b>Item in the Balance Sheet in which the Hedged Item is Included</b></td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>At</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>March 31, 2024</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>At </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>December 31, 2023</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>At </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>March 31, 2024</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>At </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>December 31, 2023</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; padding-bottom: 1pt; text-indent: -5.4pt; padding-left: 0in">    Loans</td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--HedgedAssetFairValueHedge_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--LoansMember_zRB7CCguWMbc" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">199,192</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--HedgedAssetFairValueHedge_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--LoansMember_zmm2zqeCmHrb" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">199,393</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--LoansMember_zLCOiPCxRixl" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">(808</td><td style="width: 1%; padding-bottom: 1pt; text-align: left">)</td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--LoansMember_zKLhO26b8Se6" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">(607</td><td style="width: 1%; padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 2.7pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--HedgedAssetFairValueHedge_iI_pn3n3_c20240331_zJ69j5rYaKkj" style="border-bottom: Black 2.5pt double; text-align: right" title="Carrying Amount of Hedged Assets/(Liabilities)">199,192</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--HedgedAssetFairValueHedge_iI_pn3n3_c20231231_zD1cdMdDU93a" style="border-bottom: Black 2.5pt double; text-align: right" title="Carrying Amount of Hedged Assets/(Liabilities)">199,393</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_iI_pn3n3_c20240331_zl0OU83fYqwl" style="border-bottom: Black 2.5pt double; text-align: right" title="Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities)">(808</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_iI_pn3n3_c20231231_z7l81fZGJ1Wc" style="border-bottom: Black 2.5pt double; text-align: right" title="Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities)">(607</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> <p id="xdx_8A6_zLobaf2xG213" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">These amounts include the amortized cost basis of closed portfolios of fixed rate residential loans used to designate hedging relationships in which the hedged item is the stated amount of assets in the closed portfolio anticipated to be outstanding for the designated hedged period. At March 31, 2024, the amortized cost basis of the closed portfolios used in these hedging relationships was <span id="xdx_900_eus-gaap--PrepayableFinancialAssetClosedPortfolioLastOfLayerAmortizedCost_iI_pn5n6_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zxRYqloulqth" title="Amortized cost basis of closed portfolios">$454.1</span> million; the cumulative basis adjustments associated with these hedging relationships was approximately $<span id="xdx_904_eus-gaap--HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease_iNI_pn3p0_di_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zN1kkjtX4mId" title="Cumulative basis adjustments">808,000</span>; and the notional amount of the designated hedged items were $<span id="xdx_90A_eus-gaap--DerivativeAssetNotionalAmount_iI_pn5n6_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zGudugCZ56re" title="Notional amount">200</span> million. At December 31, 2023, the amortized cost basis of the closed portfolios used in these hedging relationships was $<span id="xdx_90F_eus-gaap--PrepayableFinancialAssetClosedPortfolioLastOfLayerAmortizedCost_iI_pn5n6_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zBUicW8gYH13" title="Amortized cost basis of closed portfolios">461.2</span> million; the cumulative basis adjustments associated with these hedging relationships was approximately $<span id="xdx_901_eus-gaap--HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease_iNI_pn3p0_di_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zysLmbZm1Xx3" title="Cumulative basis adjustments">607,000</span>; and the notional amount of the designated hedged items were $<span id="xdx_90C_eus-gaap--DerivativeAssetNotionalAmount_iI_pn5n6_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zoDiCmr08yF9" title="Notional amount">200</span> million. The notional amounts of these agreements do not represent amounts exchanged by the parties and, thus, are not a measure of the potential loss exposure. At March 31, 2024, the Company’s fair value hedges had a remaining maturity of <span id="xdx_908_eus-gaap--DerivativeRemainingMaturity1_iI_dtY_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zev6MGCRFplk" title="Remaining maturity">0.6</span> years, and an average fixed rate of <span id="xdx_900_eus-gaap--DerivativeAverageFixedInterestRate_iI_dp_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_z93cAxaiFQ22" title="Average fixed rate">4.43</span>%.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Non-hedging Derivatives.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Derivatives not designated as hedges are not speculative, but rather result from a service the Company provides to certain customers. The Company executes loan-level derivative products such as interest-rate swap agreements with commercial banking customers to aid them in managing their interest-rate risk by converting floating-rate loan payments to fixed-rate loan payments. The Company concurrently enters into offsetting swaps with a third-party financial institution, effectively minimizing the Company’s net risk exposure resulting from such transactions. The third-party financial institution exchanges the customer's fixed-rate loan payments for floating-rate loan payments. As the interest-rate swap agreements associated with this program do not meet hedge accounting requirements, changes in the fair value are recognized directly in earnings.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Fair Values of Derivative Instruments on the Balance Sheet.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89C_eus-gaap--FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock_zdGXvmpM9GPa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of March 31, 2024 and December 31, 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Asset Derivatives</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Liability Derivatives</td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: left"><b>March 31, 2024</b></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><p style="margin-top: 0; margin-bottom: 0">Balance Sheet</p> <p style="margin-top: 0; margin-bottom: 0">Location</p></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><p style="margin-top: 0; margin-bottom: 0">Balance Sheet</p> <p style="margin-top: 0; margin-bottom: 0">Location</p></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="11" style="text-align: center">(In thousands)</td></tr> <tr style="vertical-align: bottom; background-color: transparent"> <td style="text-align: left; padding-left: 0in">Hedging Derivatives</td><td> </td> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; text-align: left; padding-left: 0.125in">Interest rate swaps - fair value hedges</td><td style="width: 1%"> </td> <td style="width: 12%; padding-left: 5.4pt"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zOqQZu3jt3f9" style="width: 12%; text-align: right" title="Fair value of derivative assets">845</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 12%; text-align: center; padding-left: 5.4pt"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zAIuYR95DLd9" style="width: 12%; text-align: right" title="Fair value of derivative liability"><span style="-sec-ix-hidden: xdx2ixbrl2507">—</span> </td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 0; padding-left: 0in">Derivatives not designated as hedging instruments:</td><td> </td> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 0; padding-left: 0.125in">Interest rate swap – with customer counterparties</td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zhDCe0TKSmXg" style="text-align: right" title="Fair value of derivative assets"><span style="-sec-ix-hidden: xdx2ixbrl2509">—</span> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zJxwuOydW2uc" style="text-align: right" title="Fair value of derivative liability">5,875</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 0; padding-left: 0.125in">Interest rate swap – with dealer counterparties</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_zC5rej3PoAZd" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of derivative assets">5,875</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_z89Wxys1Exxd" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of derivative liability"><span style="-sec-ix-hidden: xdx2ixbrl2515">—</span> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total derivatives</td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_90F_eus-gaap--DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20240331_zS25tlLXrSa1" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherAssets"><span style="-sec-ix-hidden: xdx2ixbrl2516">Other Assets</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zJVlZgMHbwjl" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative assets">6,720</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_908_eus-gaap--DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20240331_zvcFHEFdxuU" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherLiabilities"><span style="-sec-ix-hidden: xdx2ixbrl2519">Other Liabilities</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zV0sP1QJamfl" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative liability">5,875</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0"> </p></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Asset Derivatives</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Liability Derivatives</td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font: 10pt Times New Roman, Times, Serif"><b>December 31, 2023</b></span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><p style="margin-top: 0; margin-bottom: 0">Balance Sheet</p> <p style="margin-top: 0; margin-bottom: 0">Location</p></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><p style="margin-top: 0; margin-bottom: 0">Balance Sheet</p> <p style="margin-top: 0; margin-bottom: 0">Location</p></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="11" style="text-align: center">(In thousands)</td></tr> <tr style="vertical-align: bottom; background-color: transparent"> <td style="text-align: left; padding-left: 0in">Hedging Derivatives</td><td> </td> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; text-align: left; padding-left: 0.125in">Interest rate swaps - fair value hedges</td><td style="width: 1%"> </td> <td style="width: 12%; padding-left: 5.4pt"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zBix1une6zQf" style="width: 12%; text-align: right" title="Fair value of derivative assets">651</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 12%; text-align: center; padding-left: 5.4pt"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zKJEvzgcyM81" style="width: 12%; text-align: right" title="Fair value of derivative liability"><span style="-sec-ix-hidden: xdx2ixbrl2525">—</span> </td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 0; padding-left: 0">Derivatives not designated as hedging instruments:</td><td> </td> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 0; padding-left: 0.125in">Interest rate swap – with customer counterparties</td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zHzhyw6gWONh" style="text-align: right" title="Fair value of derivative assets"><span style="-sec-ix-hidden: xdx2ixbrl2527">—</span> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_znjD0Wx55msl" style="text-align: right" title="Fair value of derivative liability">5,239</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 0; padding-left: 0.125in">Interest rate swap – with dealer counterparties</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_zEj6LQfTEyRe" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of derivative assets">5,239</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_zFWOIsBZmTke" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of derivative liability"><span style="-sec-ix-hidden: xdx2ixbrl2533">—</span> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total derivatives</td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_90B_eus-gaap--DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20231231_zTlGkZTBgvz2" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherAssets"><span style="-sec-ix-hidden: xdx2ixbrl2534">Other Assets</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zvJxV9JKoSTf" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative assets">5,890</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_904_eus-gaap--DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20231231_zRg5gKz8vAJl" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherLiabilities"><span style="-sec-ix-hidden: xdx2ixbrl2537">Other Liabilities</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zEVR1CFgVx83" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative liability">5,239</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A2_zomWdIzm1uVi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"><b>Effect of Derivative Instruments in the Consolidated Statements of Net Income.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89D_eus-gaap--ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_ziUJjZWzMHu" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B3_zr3oFMJQLEAl">The table below presents the effect of the Company’s fair value hedge derivative on the statements of net income as of March 31, 2024.</span> There were no fair value hedge derivatives at March 31, 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_494_20240101__20240331__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_z8vsjur6m2z8" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td colspan="2" id="xdx_496_20230101__20230331__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zOfsHuMrYH65" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Location and Amount of Gain (Loss) Recognized in Income on  Fair Value Hedging Relationships</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Three Months Ended</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>March 31, 2024</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Three Months Ended</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>March 31, 2023</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="6" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; text-indent: -5.4pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Interest Income</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Interest Income</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--GainLossOnFairValueHedgesRecognizedInEarnings_zQKvBb1x4XBi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 59%; text-align: left; text-indent: -0.125in; padding-left: 0.125in">Total amounts of income line items presented in the statements of net income in which the effects of fair value hedges are recorded</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">443</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2544">—</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 2.7pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0in">Gain (loss) on fair value hedging relationships</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -5.4pt; padding-left: 7.5pt">Interest rate contracts:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--GainLossFromHedgedFirmCommitmentNotQualifyingAsFairValueHedgeNet_zChe2ReoD0U4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -5.4pt; padding-left: 16.5pt">Hedged items</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(6</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2547">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--GainLossOnFairValueHedgeIneffectivenessNet_zZ2LOo3d4j7i" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -5.4pt; padding-left: 16.5pt">Derivatives designated as hedging instruments</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">449</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2550">—</span></td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A3_zSaie8T4Ztdk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">There were no gains or losses recognized in accumulated other comprehensive income during the three months ended March 31, 2024.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Credit-risk-related Contingent Features </span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">By using derivative financial instruments, we expose ourselves to credit risk. Credit risk is the risk of failure by the counterparty to perform under the terms of the derivative contract. When the fair value of a derivative contract is positive, the counterparty owes us, which creates credit risk for us. When the fair value of a derivative is negative, we owe the counterparty and, therefore, it does not possess credit risk. The credit risk in derivative instruments is mitigated by entering into transactions with highly-rated counterparties that we believe to be creditworthy and by limiting the amount of exposure to each counterparty.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We have agreements with our derivative counterparties that contain a provision where if we default on any of our indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then we could also be declared in default on our derivative obligations. We also have agreements with certain of our derivative counterparties that contain a provision where if we fail to maintain our status as well capitalized, then the counterparty could terminate the derivative positions and we would be required to settle our obligations under the agreements. Certain of our agreements with our derivative counterparties contain provisions where if a formal administrative action by a federal or state regulatory agency occurs that materially changes our creditworthiness in an adverse manner, we may be required to fully collateralize our obligations under the derivative instrument.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At March 31, 2024, we had minimum collateral posting thresholds with certain of our derivative counterparties. As of March 31, 2024, we were not required to post collateral under these agreements because we did not have any derivatives in a liability position with those counterparties.</span></p> <p id="xdx_89A_eus-gaap--ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_zj6phbNa8Dok" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As of March 31, 2024 and December 31, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 100%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="font-weight: bold; padding-bottom: 1pt"><p style="margin-top: 0; margin-bottom: 0"> </p></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><p style="margin-top: 0; margin-bottom: 0">Carrying Amount of Hedged</p> <p style="margin-top: 0; margin-bottom: 0">Assets/(Liabilities)</p></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: left"><b>Item in the Balance Sheet in which the Hedged Item is Included</b></td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>At</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>March 31, 2024</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>At </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>December 31, 2023</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>At </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>March 31, 2024</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>At </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>December 31, 2023</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="14" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; padding-bottom: 1pt; text-indent: -5.4pt; padding-left: 0in">    Loans</td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--HedgedAssetFairValueHedge_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--LoansMember_zRB7CCguWMbc" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">199,192</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--HedgedAssetFairValueHedge_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--LoansMember_zmm2zqeCmHrb" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">199,393</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_iI_pn3n3_c20240331__us-gaap--FinancialInstrumentAxis__us-gaap--LoansMember_zLCOiPCxRixl" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">(808</td><td style="width: 1%; padding-bottom: 1pt; text-align: left">)</td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_iI_pn3n3_c20231231__us-gaap--FinancialInstrumentAxis__us-gaap--LoansMember_zKLhO26b8Se6" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">(607</td><td style="width: 1%; padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 2.7pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--HedgedAssetFairValueHedge_iI_pn3n3_c20240331_zJ69j5rYaKkj" style="border-bottom: Black 2.5pt double; text-align: right" title="Carrying Amount of Hedged Assets/(Liabilities)">199,192</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--HedgedAssetFairValueHedge_iI_pn3n3_c20231231_zD1cdMdDU93a" style="border-bottom: Black 2.5pt double; text-align: right" title="Carrying Amount of Hedged Assets/(Liabilities)">199,393</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_iI_pn3n3_c20240331_zl0OU83fYqwl" style="border-bottom: Black 2.5pt double; text-align: right" title="Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities)">(808</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_iI_pn3n3_c20231231_z7l81fZGJ1Wc" style="border-bottom: Black 2.5pt double; text-align: right" title="Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities)">(607</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> 199192000 199393000 -808000 -607000 199192000 199393000 -808000 -607000 454100000 -808000 200000000 461200000 -607000 200000000 P0Y7M6D 0.0443 <p id="xdx_89C_eus-gaap--FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock_zdGXvmpM9GPa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of March 31, 2024 and December 31, 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Asset Derivatives</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Liability Derivatives</td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: left"><b>March 31, 2024</b></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><p style="margin-top: 0; margin-bottom: 0">Balance Sheet</p> <p style="margin-top: 0; margin-bottom: 0">Location</p></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><p style="margin-top: 0; margin-bottom: 0">Balance Sheet</p> <p style="margin-top: 0; margin-bottom: 0">Location</p></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="11" style="text-align: center">(In thousands)</td></tr> <tr style="vertical-align: bottom; background-color: transparent"> <td style="text-align: left; padding-left: 0in">Hedging Derivatives</td><td> </td> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; text-align: left; padding-left: 0.125in">Interest rate swaps - fair value hedges</td><td style="width: 1%"> </td> <td style="width: 12%; padding-left: 5.4pt"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zOqQZu3jt3f9" style="width: 12%; text-align: right" title="Fair value of derivative assets">845</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 12%; text-align: center; padding-left: 5.4pt"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zAIuYR95DLd9" style="width: 12%; text-align: right" title="Fair value of derivative liability"><span style="-sec-ix-hidden: xdx2ixbrl2507">—</span> </td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 0; padding-left: 0in">Derivatives not designated as hedging instruments:</td><td> </td> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 0; padding-left: 0.125in">Interest rate swap – with customer counterparties</td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zhDCe0TKSmXg" style="text-align: right" title="Fair value of derivative assets"><span style="-sec-ix-hidden: xdx2ixbrl2509">—</span> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zJxwuOydW2uc" style="text-align: right" title="Fair value of derivative liability">5,875</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 0; padding-left: 0.125in">Interest rate swap – with dealer counterparties</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_zC5rej3PoAZd" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of derivative assets">5,875</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_z89Wxys1Exxd" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of derivative liability"><span style="-sec-ix-hidden: xdx2ixbrl2515">—</span> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total derivatives</td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_90F_eus-gaap--DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20240331_zS25tlLXrSa1" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherAssets"><span style="-sec-ix-hidden: xdx2ixbrl2516">Other Assets</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zJVlZgMHbwjl" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative assets">6,720</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_908_eus-gaap--DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20240331_zvcFHEFdxuU" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherLiabilities"><span style="-sec-ix-hidden: xdx2ixbrl2519">Other Liabilities</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20240331__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zV0sP1QJamfl" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative liability">5,875</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0"> </p></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Asset Derivatives</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Liability Derivatives</td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: left"><span style="font: 10pt Times New Roman, Times, Serif"><b>December 31, 2023</b></span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><p style="margin-top: 0; margin-bottom: 0">Balance Sheet</p> <p style="margin-top: 0; margin-bottom: 0">Location</p></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><p style="margin-top: 0; margin-bottom: 0">Balance Sheet</p> <p style="margin-top: 0; margin-bottom: 0">Location</p></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="11" style="text-align: center">(In thousands)</td></tr> <tr style="vertical-align: bottom; background-color: transparent"> <td style="text-align: left; padding-left: 0in">Hedging Derivatives</td><td> </td> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; text-align: left; padding-left: 0.125in">Interest rate swaps - fair value hedges</td><td style="width: 1%"> </td> <td style="width: 12%; padding-left: 5.4pt"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zBix1une6zQf" style="width: 12%; text-align: right" title="Fair value of derivative assets">651</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 12%; text-align: center; padding-left: 5.4pt"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zKJEvzgcyM81" style="width: 12%; text-align: right" title="Fair value of derivative liability"><span style="-sec-ix-hidden: xdx2ixbrl2525">—</span> </td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 0; padding-left: 0">Derivatives not designated as hedging instruments:</td><td> </td> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 0; padding-left: 0.125in">Interest rate swap – with customer counterparties</td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zHzhyw6gWONh" style="text-align: right" title="Fair value of derivative assets"><span style="-sec-ix-hidden: xdx2ixbrl2527">—</span> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_znjD0Wx55msl" style="text-align: right" title="Fair value of derivative liability">5,239</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: 0; padding-left: 0.125in">Interest rate swap – with dealer counterparties</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_zEj6LQfTEyRe" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of derivative assets">5,239</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_zFWOIsBZmTke" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of derivative liability"><span style="-sec-ix-hidden: xdx2ixbrl2533">—</span> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total derivatives</td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_90B_eus-gaap--DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20231231_zTlGkZTBgvz2" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherAssets"><span style="-sec-ix-hidden: xdx2ixbrl2534">Other Assets</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zvJxV9JKoSTf" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative assets">5,890</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_904_eus-gaap--DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20231231_zRg5gKz8vAJl" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2024%23OtherLiabilities"><span style="-sec-ix-hidden: xdx2ixbrl2537">Other Liabilities</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20231231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zEVR1CFgVx83" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative liability">5,239</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 845000 5875000 5875000 6720000 5875000 651000 5239000 5239000 5890000 5239000 <p id="xdx_89D_eus-gaap--ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_ziUJjZWzMHu" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B3_zr3oFMJQLEAl">The table below presents the effect of the Company’s fair value hedge derivative on the statements of net income as of March 31, 2024.</span> There were no fair value hedge derivatives at March 31, 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 85%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_494_20240101__20240331__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_z8vsjur6m2z8" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td colspan="2" id="xdx_496_20230101__20230331__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zOfsHuMrYH65" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Location and Amount of Gain (Loss) Recognized in Income on  Fair Value Hedging Relationships</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Three Months Ended</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>March 31, 2024</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Three Months Ended</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>March 31, 2023</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="6" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; text-indent: -5.4pt; padding-left: 5.4pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Interest Income</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Interest Income</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--GainLossOnFairValueHedgesRecognizedInEarnings_zQKvBb1x4XBi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 59%; text-align: left; text-indent: -0.125in; padding-left: 0.125in">Total amounts of income line items presented in the statements of net income in which the effects of fair value hedges are recorded</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">443</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2544">—</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 2.7pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0in">Gain (loss) on fair value hedging relationships</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -5.4pt; padding-left: 7.5pt">Interest rate contracts:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--GainLossFromHedgedFirmCommitmentNotQualifyingAsFairValueHedgeNet_zChe2ReoD0U4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -5.4pt; padding-left: 16.5pt">Hedged items</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(6</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2547">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--GainLossOnFairValueHedgeIneffectivenessNet_zZ2LOo3d4j7i" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -5.4pt; padding-left: 16.5pt">Derivatives designated as hedging instruments</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">449</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2550">—</span></td><td style="text-align: left"> </td></tr> </table> 443000 -6000 449000 <p id="xdx_806_eus-gaap--FairValueDisclosuresTextBlock_znef0rjj6Uf8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>11. <span id="xdx_82C_ziqzWfcRyd57">FAIR VALUE OF ASSETS AND LIABILITIES</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Determination of Fair Value.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We use fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for our various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Methods and assumptions for valuing our financial instruments are set forth below. Estimated fair values are calculated based on the value without regard to any premium or discount that may result from concentrations of ownership of a financial instrument, possible tax ramifications or estimated transaction cost.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Securities. </b>The securities measured at fair value in Level 1 are based on quoted market prices in an active exchange market. All other securities are measured at fair value in Level 2 and are based on pricing models that consider standard input factors such as observable market data, benchmark yields, interest rate volatilities, broker/dealer quotes, credit spreads and new issue data. These securities include government-sponsored enterprise obligations, state and municipal obligations, corporate bonds, residential mortgage-backed securities guaranteed and sponsored by the U.S. government or an agency thereof. Fair value measurements are obtained from a third-party pricing service and are not adjusted by management.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Interest rate swaps.</b> The valuation of our interest rate swaps is obtained from a third-party pricing service and is determined using a discounted cash flow analysis on the expected cash flows of each derivative. The pricing analysis is based on observable inputs for the contractual terms of the derivatives, including the period to maturity and interest rate curves. We have determined that the majority of the inputs used to value our interest rate derivatives fall within Level 2 of the fair value hierarchy.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="margin: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Assets and Liabilities Measured at Fair Value on a Recurring Basis.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_898_eus-gaap--ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_zaIlldIuGOK" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assets and liabilities measured at fair value on a recurring basis are summarized below:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_494_20240331__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zAA98jlvfMZ6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49A_20240331__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zpy1Pf2mLlE5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_490_20240331__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_z3wZHJ4K5F1i" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20240331__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember_zChIB8jB1fLl" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">March 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40C_eus-gaap--AssetsFairValueDisclosureAbstract_iB_zWCbJy0aQ8w9" style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_404_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_maCz2V1_zZjz8CtnhKO9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; text-align: left; padding-left: 0in">Available-for-sale securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2561">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">138,362</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2563">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">138,362</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--EquitySecuritiesFvNi_iIP3us-gaap--AvailableForSaleSecuritiesDebtSecurities_maCz2V1_zRfw7cpA9RX9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">222</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2567">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2568">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">222</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DerivativeAssets_i01I_maCz2V1_zalE7WKZYmda" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Interest rate swaps</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2571">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">6,720</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2573">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">6,720</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AssetsFairValueDisclosure_i01TI_mtCz2V1_zXgogmjK6Mx9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: 0; padding-left: 0.25in">Total assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">222</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">145,082</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2578">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">145,304</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 20pt; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_zBQW2u2Mw8" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-left: 0in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DerivativeLiabilities_i01I_zE4dkSKmH3v2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Interest rate swaps</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2586">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,875</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2588">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,875</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zvfd1qQOX6Wd" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_495_20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zmsRUbdPH6N9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_z9b1TgFl6tu3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_497_20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember_z0mRJuO6vI3k" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40C_eus-gaap--AssetsFairValueDisclosureAbstract_iB_zHsGfK5vuqe3" style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_404_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_maCz2V1_z0HbNN95UpY4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; text-align: left; padding-left: 0in">Available-for-sale securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2596">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">137,115</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2598">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">137,115</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--EquitySecuritiesFvNi_iI_maCz2V1_zJJCLCuP6471" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2602">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2603">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DerivativeAssets_i01I_maCz2V1_zT9fr9N3tSMd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Interest rate swaps</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2606">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,890</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2608">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,890</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AssetsFairValueDisclosure_i01TI_mtCz2V1_z8Nfikzneusk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: 0; padding-left: 0.25in">Total assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">196</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">143,005</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2613">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">143,201</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 20pt; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_zRDvsIPh4Ohc" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-left: 0in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DerivativeLiabilities_i01I_zqkQ6SugtzZk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Interest rate swaps</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2621">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,239</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2623">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,239</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AF_zz2tb0lnwLke" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">There were no transfers to or from Level 1 and 2 for assets measured at fair value on a recurring basis at March 31, 2024 and December 31, 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Assets Measured at Fair Value on a Non-recurring Basis.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_893_eus-gaap--FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_zOHvjYErHaog" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We may also be required, from time to time, to measure certain other financial assets at fair value on a nonrecurring basis in accordance with generally accepted accounting principles. These adjustments to fair value usually result from application of lower-of-cost-or-market accounting or write-downs of individual assets. There were no collateral dependent loans measured at fair value on a nonrecurring basis as of March 31, 2024. <span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B3_za3iDO4Outmd">The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2023:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">At December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><p style="margin-top: 0; margin-bottom: 0">Three Months Ended</p> <p style="margin-top: 0; margin-bottom: 0">March 31, 2023</p></td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><p style="margin-top: 0; margin-bottom: 0">Total</p> <p style="margin-top: 0; margin-bottom: 0">Losses</p></td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10" style="text-align: center">(In thousands)</td><td> </td><td> </td> <td colspan="2" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Collateral dependent loans</td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td id="xdx_981_ecustom--ImpairedLoansFairValue_iI_c20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zYOzXhF1THAd" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Impaired Loans">1,100</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FairValueOptionChangesInFairValueGainLoss1_iN_di_c20230101__20230331__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ImpairedLoansMember_zN6N21aXMAgk" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Total losses">2,178</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AF_zoE2KSdtcrHa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The amount of impaired loans represents the carrying value, net of the related write-down or valuation allowance of collateral dependent loans for which adjustments are based on the estimated fair value of the underlying collateral.  The fair value of collateral dependent loans with specific allocations of the allowance for loan losses is generally based on real estate appraisals performed by independent licensed or certified appraisers.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available.  Management will discount appraisals as deemed necessary based on the date of the appraisal and new information deemed relevant to the valuation.  Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Summary of Fair Values of Financial Instruments.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_891_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_zIHygVzDq1d6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The estimated fair values of our financial instruments are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_494_20240331__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_zpXOfGgXfqpb" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_495_20240331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_z7vnU1guvxxh" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49B_20240331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zr1eGMaTwbXg" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_496_20240331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zO4l77Wdisy8" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_495_20240331_z4tnGYeBTmUf" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">March 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Carrying Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="18" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_409_eus-gaap--AssetsFairValueDisclosureAbstract_iB_ztnp3SEMVtw" style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_40A_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_i01I_zMTWxt0O75Qf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 35%; text-align: left; padding-left: 8.85pt">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">22,613</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">22,613</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2642">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2643">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">22,613</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--HeldToMaturitySecuritiesFairValue_i01I_z91e6cchPBY6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Securities held-to-maturity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">221,242</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,463</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">172,216</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2649">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">181,679</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_zpVVLBAkT5Wa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.85pt">Securities available-for-sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">138,362</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2653">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">138,362</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2655">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">138,362</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--EquitySecuritiesFvNi_i01I_zI05MDcUWBra" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">222</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">222</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2660">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2661">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">222</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--RestrictedInvestmentsAtFairValue_i01I_zfzT26WzkWK8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.1in; padding-left: 15.95pt">Federal Home Loan Bank of Boston and other restricted stock</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,105</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2665">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2666">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,105</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,105</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--LoansReceivableFairValueDisclosure_i01I_z8dW8PHvmUa3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.1pt; padding-left: 8.75pt">Loans - net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,005,682</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2671">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2672">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,837,472</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,837,472</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_ecustom--InterestReceivableFairValueDisclosure_i01I_za4fWtagSOh2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.1pt; padding-left: 8.75pt">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,622</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2677">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2678">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,622</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,622</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--FairValueOfMortgageServicingRights_i01I_zjIpCu6sGJi" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">400</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2683">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">707</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2685">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">707</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DerivativeAssets_i01I_zRYUcZQbFyp4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">    Derivative asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,720</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2689">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,720</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2691">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,720</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_z367K3oWUjke" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DepositsFairValueDisclosure_i01I_zN6Q82sL47Xg" style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; padding-left: 0in">Deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,143,747</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2701">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2702">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,140,561</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,140,561</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--ShorttermDebtFairValue_i01I_zRpVDOFo6sq4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Short-term borrowings</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,470</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2707">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,459</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2709">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,459</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--LongTermDebtFairValue_i01I_zSBIsSuuc1Ih" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Long-term debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,646</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2713">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,459</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2715">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,459</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--SubordinatedDebtFairValue_i01I_z6DhUqbNulK5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Subordinated debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,722</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2719">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,281</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2721">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,281</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--InterestPayableFairValueDisclosure_i01I_zjB9lwl8Iod7" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,414</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2725">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2726">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,414</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,414</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--DerivativeLiabilities_i01I_zt1vfOeZFWLe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Derivative liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,875</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2731">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,875</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2733">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,875</td><td style="text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_497_20231231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_zjLpInRkdWGg" style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_495_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zsFpRvjxUis8" style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_49D_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zdAHiGrE8b7j" style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_495_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zZ59h0Wrccod" style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_493_20231231_zoEAu7CIDOIi" style="border-bottom: Black 1pt solid; text-align: center"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>December 31, 2023</b> </span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Carrying Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="18" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_40E_eus-gaap--AssetsFairValueDisclosureAbstract_iB_zOg7r0innMWa" style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_40C_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_i01I_zF94zNPyAeqf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 35%; text-align: left; padding-left: 8.85pt">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">28,840</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">28,840</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2744">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2745">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">28,840</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--HeldToMaturitySecuritiesFairValue_i01I_zwFlZrb3P7if" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Securities held-to-maturity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">223,370</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">178,242</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2751">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">187,692</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_zbcSJ3Ve6S25" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.85pt">Securities available-for-sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">137,115</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2755">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">137,115</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2757">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">137,115</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--EquitySecuritiesFvNi_i01I_zJRwoTVxpWE4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2762">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2763">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--RestrictedInvestmentsAtFairValue_i01I_z7EWkYpHUMxa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.1in; padding-left: 15.95pt">Federal Home Loan Bank of Boston and other restricted stock</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,707</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2767">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2768">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,707</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,707</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--LoansReceivableFairValueDisclosure_i01I_znaDU81Jeyy9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.1pt; padding-left: 8.75pt">Loans - net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,007,050</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2773">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2774">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,841,913</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,841,913</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_ecustom--InterestReceivableFairValueDisclosure_i01I_zLi39PwM3pUi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.1pt; padding-left: 8.75pt">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,528</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2779">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2780">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,528</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,528</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--FairValueOfMortgageServicingRights_i01I_zOkSDcZzBCr1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">422</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2785">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">724</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2787">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">724</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DerivativeAssets_i01I_zi4IAtWl14Qb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">    Derivative asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,890</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2791">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,890</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2793">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,890</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_zEOdwNyyokI8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--DepositsFairValueDisclosure_i01I_z9QpHRj9XuV" style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; padding-left: 0in">Deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,143,744</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2803">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2804">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,140,930</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,140,930</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--ShorttermDebtFairValue_i01I_ztDLvEC9fnf4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Short-term borrowings</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,100</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2809">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,100</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2811">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,100</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--LongTermDebtFairValue_i01I_zTZRxyHVrez" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Long-term debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,646</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2815">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,460</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2817">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,460</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_ecustom--SubordinatedDebtFairValue_i01I_zjk5JQrTyPEf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Subordinated debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,712</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2821">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,938</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2823">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,938</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--InterestPayableFairValueDisclosure_i01I_zI49r5tckjph" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,310</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2827">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2828">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,310</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,310</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DerivativeLiabilities_i01I_zJ9Igb1NCjp5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Derivative liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,239</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2833">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,239</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2835">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,239</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A1_z1oBThE66oog" style="margin-top: 0; margin-bottom: 0"> </p> <p id="xdx_898_eus-gaap--ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_zaIlldIuGOK" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assets and liabilities measured at fair value on a recurring basis are summarized below:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_494_20240331__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zAA98jlvfMZ6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49A_20240331__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zpy1Pf2mLlE5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_490_20240331__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_z3wZHJ4K5F1i" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20240331__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember_zChIB8jB1fLl" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">March 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40C_eus-gaap--AssetsFairValueDisclosureAbstract_iB_zWCbJy0aQ8w9" style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_404_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_maCz2V1_zZjz8CtnhKO9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; text-align: left; padding-left: 0in">Available-for-sale securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2561">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">138,362</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2563">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">138,362</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--EquitySecuritiesFvNi_iIP3us-gaap--AvailableForSaleSecuritiesDebtSecurities_maCz2V1_zRfw7cpA9RX9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">222</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2567">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2568">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">222</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DerivativeAssets_i01I_maCz2V1_zalE7WKZYmda" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Interest rate swaps</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2571">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">6,720</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2573">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">6,720</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AssetsFairValueDisclosure_i01TI_mtCz2V1_zXgogmjK6Mx9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: 0; padding-left: 0.25in">Total assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">222</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">145,082</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2578">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">145,304</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 20pt; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_zBQW2u2Mw8" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-left: 0in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DerivativeLiabilities_i01I_zE4dkSKmH3v2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Interest rate swaps</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2586">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,875</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2588">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,875</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zvfd1qQOX6Wd" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_495_20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zmsRUbdPH6N9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_z9b1TgFl6tu3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_497_20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember_z0mRJuO6vI3k" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40C_eus-gaap--AssetsFairValueDisclosureAbstract_iB_zHsGfK5vuqe3" style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_404_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_maCz2V1_z0HbNN95UpY4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; text-align: left; padding-left: 0in">Available-for-sale securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2596">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">137,115</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2598">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">137,115</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--EquitySecuritiesFvNi_iI_maCz2V1_zJJCLCuP6471" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0in">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2602">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2603">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DerivativeAssets_i01I_maCz2V1_zT9fr9N3tSMd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0in">Interest rate swaps</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2606">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,890</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2608">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,890</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AssetsFairValueDisclosure_i01TI_mtCz2V1_z8Nfikzneusk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: 0; padding-left: 0.25in">Total assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">196</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">143,005</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2613">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">143,201</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 20pt; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_zRDvsIPh4Ohc" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-left: 0in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DerivativeLiabilities_i01I_zqkQ6SugtzZk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0in">Interest rate swaps</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2621">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,239</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2623">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,239</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 138362000 138362000 222000 222000 6720000 6720000 222000 145082000 145304000 5875000 5875000 137115000 137115000 196000 196000 5890000 5890000 196000 143005000 143201000 5239000 5239000 <p id="xdx_893_eus-gaap--FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_zOHvjYErHaog" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We may also be required, from time to time, to measure certain other financial assets at fair value on a nonrecurring basis in accordance with generally accepted accounting principles. These adjustments to fair value usually result from application of lower-of-cost-or-market accounting or write-downs of individual assets. There were no collateral dependent loans measured at fair value on a nonrecurring basis as of March 31, 2024. <span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B3_za3iDO4Outmd">The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2023:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 96%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">At December 31, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><p style="margin-top: 0; margin-bottom: 0">Three Months Ended</p> <p style="margin-top: 0; margin-bottom: 0">March 31, 2023</p></td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><p style="margin-top: 0; margin-bottom: 0">Total</p> <p style="margin-top: 0; margin-bottom: 0">Losses</p></td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10" style="text-align: center">(In thousands)</td><td> </td><td> </td> <td colspan="2" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 44%; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Collateral dependent loans</td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td id="xdx_981_ecustom--ImpairedLoansFairValue_iI_c20231231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zYOzXhF1THAd" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Impaired Loans">1,100</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FairValueOptionChangesInFairValueGainLoss1_iN_di_c20230101__20230331__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ImpairedLoansMember_zN6N21aXMAgk" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Total losses">2,178</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1100000 -2178000 <p id="xdx_891_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_zIHygVzDq1d6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The estimated fair values of our financial instruments are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_494_20240331__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_zpXOfGgXfqpb" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_495_20240331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_z7vnU1guvxxh" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49B_20240331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zr1eGMaTwbXg" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_496_20240331__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zO4l77Wdisy8" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_495_20240331_z4tnGYeBTmUf" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">March 31, 2024</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Carrying Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="18" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_409_eus-gaap--AssetsFairValueDisclosureAbstract_iB_ztnp3SEMVtw" style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_40A_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_i01I_zMTWxt0O75Qf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 35%; text-align: left; padding-left: 8.85pt">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">22,613</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">22,613</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2642">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2643">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">22,613</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--HeldToMaturitySecuritiesFairValue_i01I_z91e6cchPBY6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Securities held-to-maturity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">221,242</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,463</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">172,216</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2649">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">181,679</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_zpVVLBAkT5Wa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.85pt">Securities available-for-sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">138,362</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2653">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">138,362</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2655">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">138,362</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--EquitySecuritiesFvNi_i01I_zI05MDcUWBra" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">222</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">222</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2660">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2661">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">222</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--RestrictedInvestmentsAtFairValue_i01I_zfzT26WzkWK8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.1in; padding-left: 15.95pt">Federal Home Loan Bank of Boston and other restricted stock</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,105</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2665">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2666">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,105</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,105</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--LoansReceivableFairValueDisclosure_i01I_z8dW8PHvmUa3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.1pt; padding-left: 8.75pt">Loans - net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,005,682</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2671">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2672">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,837,472</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,837,472</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_ecustom--InterestReceivableFairValueDisclosure_i01I_za4fWtagSOh2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.1pt; padding-left: 8.75pt">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,622</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2677">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2678">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,622</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,622</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--FairValueOfMortgageServicingRights_i01I_zjIpCu6sGJi" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">400</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2683">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">707</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2685">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">707</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DerivativeAssets_i01I_zRYUcZQbFyp4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">    Derivative asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,720</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2689">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,720</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2691">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,720</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_z367K3oWUjke" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DepositsFairValueDisclosure_i01I_zN6Q82sL47Xg" style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; padding-left: 0in">Deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,143,747</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2701">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2702">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,140,561</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,140,561</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--ShorttermDebtFairValue_i01I_zRpVDOFo6sq4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Short-term borrowings</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,470</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2707">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,459</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2709">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,459</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--LongTermDebtFairValue_i01I_zSBIsSuuc1Ih" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Long-term debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,646</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2713">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,459</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2715">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,459</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--SubordinatedDebtFairValue_i01I_z6DhUqbNulK5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Subordinated debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,722</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2719">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,281</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2721">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,281</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--InterestPayableFairValueDisclosure_i01I_zjB9lwl8Iod7" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,414</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2725">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2726">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,414</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,414</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--DerivativeLiabilities_i01I_zt1vfOeZFWLe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Derivative liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,875</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2731">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,875</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2733">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,875</td><td style="text-align: left"> </td></tr> </table> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_497_20231231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_zjLpInRkdWGg" style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_495_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zsFpRvjxUis8" style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_49D_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zdAHiGrE8b7j" style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_495_20231231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zZ59h0Wrccod" style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center"> </td> <td id="xdx_493_20231231_zoEAu7CIDOIi" style="border-bottom: Black 1pt solid; text-align: center"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>December 31, 2023</b> </span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Carrying Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="18" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_40E_eus-gaap--AssetsFairValueDisclosureAbstract_iB_zOg7r0innMWa" style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_40C_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_i01I_zF94zNPyAeqf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 35%; text-align: left; padding-left: 8.85pt">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">28,840</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">28,840</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2744">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2745">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">28,840</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--HeldToMaturitySecuritiesFairValue_i01I_zwFlZrb3P7if" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Securities held-to-maturity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">223,370</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">178,242</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2751">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">187,692</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_zbcSJ3Ve6S25" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 8.85pt">Securities available-for-sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">137,115</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2755">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">137,115</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2757">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">137,115</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--EquitySecuritiesFvNi_i01I_zJRwoTVxpWE4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2762">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2763">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--RestrictedInvestmentsAtFairValue_i01I_z7EWkYpHUMxa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.1in; padding-left: 15.95pt">Federal Home Loan Bank of Boston and other restricted stock</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,707</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2767">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2768">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,707</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,707</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--LoansReceivableFairValueDisclosure_i01I_znaDU81Jeyy9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.1pt; padding-left: 8.75pt">Loans - net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,007,050</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2773">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2774">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,841,913</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,841,913</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_ecustom--InterestReceivableFairValueDisclosure_i01I_zLi39PwM3pUi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.1pt; padding-left: 8.75pt">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,528</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2779">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2780">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,528</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,528</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--FairValueOfMortgageServicingRights_i01I_zOkSDcZzBCr1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 8.85pt">Mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">422</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2785">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">724</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2787">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">724</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DerivativeAssets_i01I_zi4IAtWl14Qb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0in">    Derivative asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,890</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2791">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,890</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2793">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,890</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_zEOdwNyyokI8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 0in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--DepositsFairValueDisclosure_i01I_z9QpHRj9XuV" style="vertical-align: bottom; background-color: White"> <td style="text-indent: 8pt; padding-left: 0in">Deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,143,744</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2803">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2804">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,140,930</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,140,930</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--ShorttermDebtFairValue_i01I_ztDLvEC9fnf4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Short-term borrowings</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,100</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2809">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,100</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2811">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,100</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--LongTermDebtFairValue_i01I_zTZRxyHVrez" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Long-term debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,646</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2815">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,460</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2817">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,460</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_ecustom--SubordinatedDebtFairValue_i01I_zjk5JQrTyPEf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Subordinated debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,712</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2821">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,938</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2823">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,938</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--InterestPayableFairValueDisclosure_i01I_zI49r5tckjph" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,310</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2827">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2828">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,310</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,310</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DerivativeLiabilities_i01I_zJ9Igb1NCjp5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: 8pt; padding-left: 0in">Derivative liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,239</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2833">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,239</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2835">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,239</td><td style="text-align: left"> </td></tr> </table> 22613000 22613000 22613000 221242000 9463000 172216000 181679000 138362000 138362000 138362000 222000 222000 222000 3105000 3105000 3105000 2005682000 1837472000 1837472000 8622000 8622000 8622000 400000 707000 707000 6720000 6720000 6720000 2143747000 2140561000 2140561000 11470000 11459000 11459000 120646000 120459000 120459000 19722000 17281000 17281000 4414000 4414000 4414000 5875000 5875000 5875000 28840000 28840000 28840000 223370000 9450000 178242000 187692000 137115000 137115000 137115000 196000 196000 196000 3707000 3707000 3707000 2007050000 1841913000 1841913000 8528000 8528000 8528000 422000 724000 724000 5890000 5890000 5890000 2143744000 2140930000 2140930000 16100000 16100000 16100000 120646000 120460000 120460000 19712000 17938000 17938000 3310000 3310000 3310000 5239000 5239000 5239000 <p id="xdx_809_eus-gaap--NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_zaCBHA1HCzQ5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>12. <span id="xdx_82F_zMd4IfSGT0Lb">RECENT ACCOUNTING PRONOUNCEMENTS</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In December 2023, the Financial Accounting Standards Board issued ASU 2023-09, <i>Income Taxes—Improvements to Income Tax Disclosures </i>(Topic 740), which requires entities to disclose specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold. On an annual basis, entities must disclose: (1) the amount of income taxes paid, net of refunds, disaggregated by federal, state, and foreign; and (2) the amount of income taxes paid, net of refunds, disaggregated by individual jurisdictions in which income taxes paid, net of refunds received, for amounts equal to or greater than 5% of total income taxes paid. Further, the amendments also require entities to disclose: (1) income or loss from continued operations before income tax expense (or benefit) disaggregated between domestic and foreign sources; and (2) income or loss from continued operations disaggregated by federal, state, and foreign sources. This ASU, as amended, is effective for the Company in fiscal years beginning after December 15, 2024 and is not expected to have a material impact on the Company’s consolidated financial statements.</span></p> false false false false Represents gross transition adjustment amount of $13,000, net of taxes of $4,000, to reflect the cumulative impact on retained earnings pursuant to the Company’s adoption of Accounting Standards Update (“ASU”) 2016-13 Financial Instruments-Credit Losses on Financial Instruments and relevant amendments.