Loans and the Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2023

Receivables [Abstract]

Schedule of Recorded Investment in Loans by Category

The recorded investment in loans is presented in the Consolidated Balance Sheets net of deferred loan fees and costs, and discounts on purchased loans. Net deferred loan costs were $11.5 million at December 31, 2023 and $9.6 million at December 31, 2022. The un-accreted discount on purchased loans from acquisitions was $13.5 million at December 31, 2023 and $18.0 million at December 31, 2022.

	December 31,		December 31,
(in thousands)	2023		2022
Commercial real estate:
Land and construction	$	1,055,865	$	943,887
Improved property		5,509,583		5,117,457
Total commercial real estate		6,565,448		6,061,344
Commercial and industrial		1,670,659		1,579,395
Residential real estate		2,438,574		2,140,584
Home equity		734,219		695,065
Consumer		229,561		226,340
Total portfolio loans		11,638,461		10,702,728
Loans held for sale		16,354		8,249
Total loans	$	11,654,815	$	10,710,977

Summary of Changes in Allowance for Credit Losses

The following tables summarize changes in the allowance for credit losses applicable to each category of the loan portfolio:

	For the Year Ended December 31, 2023
(in thousands)	Commercial Real Estate- Land and Construction			Commercial Real Estate- Improved Property			Commercial & Industrial			Residential Real Estate			Home Equity			Consumer			Deposit Overdrafts (1)			Total
Balance at beginning of year:
Allowance for credit    losses - loans	$	6,737		$	52,659		$	31,540		$	18,208		$	4,234		$	3,127		$	1,285		$	117,790
Allowance for credit    losses - loan commitments		6,025			—			—			2,215			128			—			—			8,368
Total beginning allowance for    credit losses - loans and loan    commitments		12,762			52,659			31,540			20,423			4,362			3,127			1,285			126,158
Provision for credit losses:
Provision for loan losses		321			7,722			6,168			2,290			(2,901	)		2,507			1,420			17,527
Provision for loan commitments		869			—			429			(939	)		(123	)		—			—			236
Total provision for credit    losses - loans and loan    commitments (2)		1,190			7,722			6,597			1,351			(3,024	)		2,507			1,420			17,763
Charge-offs		(222	)		(1,877	)		(2,283	)		(392	)		(925	)		(3,725	)		(1,753	)		(11,177	)
Recoveries		287			847			1,219			1,112			609			2,047			414			6,535
Net recoveries (charge-offs)		65			(1,030	)		(1,064	)		720			(316	)		(1,678	)		(1,339	)		(4,642	)
Balance at end of period:
Allowance for credit    losses - loans		7,123			59,351			36,644			21,218			1,017			3,956			1,366			130,675
Allowance for credit    losses - loan commitments		6,894			—			429			1,276			5			—			—			8,604
Total ending allowance for credit    losses - loans and loan    commitments	$	14,017		$	59,351		$	37,073		$	22,494		$	1,022		$	3,956		$	1,366		$	139,279

(1) Deposit overdrafts of $4.7 million and $4.4 million are included in total portfolio loans for the periods ending December 31, 2023 and December 31, 2022, respectively.

(2) The total provision for credit losses - loans and loan commitments is reported in the consolidated statements of income in the provision for credit losses line item, which also includes the provision for credit losses on held-to-maturity securities. For more information on the provision relating to held-to-maturity securities, please see Note 3, "Securities."

	For the Year Ended December 31, 2022
(in thousands)	Commercial Real Estate- Land and Construction			Commercial Real Estate- Improved Property			Commercial & Industrial			Residential Real Estate			Home Equity			Consumer			Deposit Overdrafts (1)			Total
Balance at beginning of year:
Allowance for credit    losses - loans	$	7,310		$	65,355		$	26,875		$	15,401		$	724		$	3,737		$	2,220		$	121,622
Allowance for credit    losses - loan commitments		4,180			201			1,497			1,576			49			272			—			7,775
Total beginning allowance for    credit losses - loans and loan    commitments		11,490			65,556			28,372			16,977			773			4,009			2,220			129,397
Provision for credit losses:
Provision for loan losses		(625	)		(12,939	)		4,736			2,717			3,526			44			333			(2,208	)
Provision for loan commitments		1,845			(201	)		(1,497	)		639			79			(272	)		—			593
Total provision for credit    losses - loans and loan    commitments (2)		1,220			(13,140	)		3,239			3,356			3,605			(228	)		333			(1,615	)
Charge-offs		(73	)		(795	)		(1,068	)		(500	)		(358	)		(3,476	)		(1,622	)		(7,892	)
Recoveries		125			1,038			997			590			342			2,822			354			6,268
Net recoveries (charge-offs)		52			243			(71	)		90			(16	)		(654	)		(1,268	)		(1,624	)
Balance at end of period:
Allowance for credit    losses - loans		6,737			52,659			31,540			18,208			4,234			3,127			1,285			117,790
Allowance for credit    losses - loan commitments		6,025			—			—			2,215			128			—			—			8,368
Total ending allowance for credit    losses - loans and loan    commitments	$	12,762		$	52,659		$	31,540		$	20,423		$	4,362		$	3,127		$	1,285		$	126,158

(1) Deposit overdrafts of $4.4 million and $19.0 million are included in total portfolio loans for the periods ending December 31, 2022 and December 31, 2021, respectively.

(2) The total provision for credit losses - loans and loan commitments is reported in the consolidated statements of income in the provision for credit losses line item, which also includes the provision for credit losses on held-to-maturity securities. For more information on the provision relating to held-to-maturity securities, please see Note 3, "Securities."

	For the Year Ended December 31, 2021
(in thousands)	Commercial Real Estate- Land and Construction			Commercial Real Estate- Improved Property			Commercial & Industrial			Residential Real Estate			Home Equity			Consumer			Deposit Overdrafts (1)			Total
Balance at beginning of year:
Allowance for credit    losses - loans	$	10,841		$	110,652		$	37,850		$	17,851		$	1,487		$	6,507		$	639		$	185,827
Allowance for credit    losses - loan commitments		6,508			712			1,275			955			45			19			—			9,514
Total beginning allowance for    credit losses - loans and loan    commitments		17,349			111,364			39,125			18,806			1,532			6,526			639			195,341
Provision for credit losses:
Provision for loan losses		(3,698	)		(44,831	)		(10,749	)		(2,708	)		(899	)		(2,286	)		2,694			(62,477	)
Provision for loan commitments		(2,328	)		(511	)		222			621			4			253			—			(1,739	)
Total provision for credit    losses - loans and loan    commitments (2)		(6,026	)		(45,342	)		(10,527	)		(2,087	)		(895	)		(2,033	)		2,694			(64,216	)
Charge-offs		(22	)		(1,825	)		(2,521	)		(873	)		(414	)		(2,995	)		(1,486	)		(10,136	)
Recoveries		189			1,359			2,295			1,131			550			2,511			373			8,408
Net recoveries (charge-offs)		167			(466	)		(226	)		258			136			(484	)		(1,113	)		(1,728	)
Balance at end of period:
Allowance for credit    losses - loans		7,310			65,355			26,875			15,401			724			3,737			2,220			121,622
Allowance for credit    losses - loan commitments		4,180			201			1,497			1,576			49			272			—			7,775
Total ending allowance for credit    losses - loans and loan    commitments	$	11,490		$	65,556		$	28,372		$	16,977		$	773		$	4,009		$	2,220		$	129,397

(1) Deposit overdrafts of $19.0 million and $14.4 million are included in total portfolio loans for the periods ending December 31, 2021 and December 31, 2020, respectively.

(2) The total provision for credit losses - loans and loan commitments is reported in the consolidated statements of income in the provision for credit losses line item, which also includes the provision for credit losses on held-to-maturity securities. For more information on the provision relating to held-to-maturity securities, please see Note 3, "Securities."

Allowance for Credit Losses and Recorded Investments in Loans

The following tables present the allowance for credit losses and recorded investments in loans by category, as of each period-end:

	Allowance for Credit Losses and Recorded Investment in Loans
(in thousands)	Commercial Real Estate- Land and Construction		Commercial Real Estate- Improved Property		Commercial and Industrial		Residential Real Estate		Home Equity		Consumer		Deposit Overdrafts (1)		Total
December 31, 2023
Allowance for credit losses:
Loans individually-evaluated	$	—	$	5,745	$	—	$	—	$	—	$	—	$	—	$	5,745
Loans collectively-evaluated		7,123		53,606		36,644		21,218		1,017		3,956		1,366		124,930
Loan commitments (2)		6,894		—		429		1,276		5		—		—		8,604
Total allowance for credit    losses - loans and commitments	$	14,017	$	59,351	$	37,073	$	22,494	$	1,022	$	3,956	$	1,366	$	139,279
Portfolio loans:
Individually-evaluated for credit    losses	$	—	$	36,929	$	116	$	—	$	—	$	—	$	—	$	37,045
Collectively-evaluated for credit    losses		1,055,865		5,472,654		1,670,543		2,438,574		734,219		229,561		—		11,601,416
Total portfolio loans	$	1,055,865	$	5,509,583	$	1,670,659	$	2,438,574	$	734,219	$	229,561	$	—	$	11,638,461
December 31, 2022
Allowance for credit losses:
Loans individually-evaluated	$	—	$	2,988	$	130	$	—	$	—	$	—	$	—	$	3,118
Loans collectively-evaluated		6,737		49,671		31,410		18,208		4,234		3,127		1,285		114,672
Loan commitments (2)		6,025		—		—		2,215		128		—		—		8,368
Total allowance for credit    losses - loans and commitments	$	12,762	$	52,659	$	31,540	$	20,423	$	4,362	$	3,127	$	1,285	$	126,158
Portfolio loans:
Individually-evaluated for credit    losses	$	24,629	$	25,369	$	401	$	—	$	—	$	—	$	—	$	50,399
Collectively-evaluated for credit    losses		919,258		5,092,088		1,578,994		2,140,584		695,065		226,340		—		10,652,329
Total portfolio loans	$	943,887	$	5,117,457	$	1,579,395	$	2,140,584	$	695,065	$	226,340	$	—	$	10,702,728

(1) Deposit overdrafts of $4.7 million and $4.4 million are included in total portfolio loans for the periods ending December 31, 2023 and December 31, 2022, respectively.

(2) For additional detail relating to loan commitments, see Note 18, "Commitments and Contingent Liabilities".

Summary of Commercial Loans by Risk Grade

The following tables summarize commercial loans by their assigned risk grade:

	Commercial Loans by Internally Assigned Risk Grade
(in thousands)	Commercial Real Estate- Land and Construction		Commercial Real Estate- Improved Property		Commercial & Industrial		Total Commercial Loans
As of December 31, 2023
Pass	$	1,053,359	$	5,337,394	$	1,586,683	$	7,977,436
Criticized—compromised		2,497		107,473		73,204		183,174
Classified—substandard		9		64,716		10,772		75,497
Classified—doubtful		—		—		—		—
Total	$	1,055,865	$	5,509,583	$	1,670,659	$	8,236,107
As of December 31, 2022
Pass	$	911,804	$	4,940,135	$	1,538,300	$	7,390,239
Criticized—compromised		1,329		121,393		25,223		147,945
Classified—substandard		30,754		55,929		15,872		102,555
Classified—doubtful		—		—		—		—
Total	$	943,887	$	5,117,457	$	1,579,395	$	7,640,739

Summary of Age Analysis of Loan Categories

The following tables summarize the age analysis of all categories of loans.

	Age Analysis of Loans
(in thousands)	Current		30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Total Loans		90 Days or More Past Due  and Accruing (1)
As of December 31, 2023
Commercial real estate:
Land and construction	$	1,055,865	$	—	$	—	$	—	$	—	$	1,055,865	$	—
Improved property		5,490,946		4,416		3,627		10,594		18,637		5,509,583		1,899
Total commercial real estate		6,546,811		4,416		3,627		10,594		18,637		6,565,448		1,899
Commercial and industrial		1,663,985		640		1,255		4,779		6,674		1,670,659		3,184
Residential real estate		2,429,200		1,572		2,471		5,331		9,374		2,438,574		2,602
Home equity		724,293		4,691		1,198		4,037		9,926		734,219		1,407
Consumer		223,989		3,833		1,178		561		5,572		229,561		546
Total portfolio loans		11,588,278		15,152		9,729		25,302		50,183		11,638,461		9,638
Loans held for sale		16,354		—		—		—		—		16,354		—
Total loans	$	11,604,632	$	15,152	$	9,729	$	25,302	$	50,183	$	11,654,815	$	9,638
Nonperforming loans included above are as follows:
Non-accrual loans	$	9,138	$	1,300	$	706	$	15,664		17,670	$	26,808
As of December 31, 2022
Commercial real estate:
Land and construction	$	942,236	$	—	$	910	$	741	$	1,651	$	943,887	$	629
Improved property		5,099,342		2,147		331		15,637		18,115		5,117,457		84
Total commercial real estate		6,041,578		2,147		1,241		16,378		19,766		6,061,344		713
Commercial and industrial		1,574,311		1,427		519		3,138		5,084		1,579,395		1,586
Residential real estate		2,129,095		853		3,536		7,100		11,489		2,140,584		1,551
Home equity		686,762		3,885		621		3,797		8,303		695,065		1,063
Consumer		222,153		2,910		704		573		4,187		226,340		530
Total portfolio loans		10,653,899		11,222		6,621		30,986		48,829		10,702,728		5,443
Loans held for sale		8,249		—		—		—		—		8,249		—
Total loans	$	10,662,148	$	11,222	$	6,621	$	30,986	$	48,829	$	10,710,977	$	5,443
Nonperforming loans included above are as follows:
Non-accrual loans	$	10,337	$	1,495	$	870	$	25,483		27,848	$	38,185
TDRs accruing interest (1)		3,131		7		32		60		99		3,230
Total non-performing loans	$	13,468	$	1,502	$	902	$	25,543	$	27,947	$	41,415

(1) For the table presented as of December 31, 2022, loans 90 days or more past due and accruing interest exclude TDRs 90 days or more past due and accruing interest.

Summary of Nonperforming Loans

The following tables summarize nonperforming loans:

	Nonperforming Loans
	December 31, 2023						December 31, 2022
(in thousands)	Unpaid Principal Balance (1)		Recorded Investment		Related Allowance		Unpaid Principal Balance (1)		Recorded Investment		Related Allowance
With no related specific allowance recorded:
Commercial real estate:
Land and construction	$	—	$	—	$	—	$	112	$	112	$	—
Improved property		11,248		9,557		—		18,367		16,601		—
Commercial and industrial		2,492		1,841		—		4,102		3,112		—
Residential real estate		15,128		10,582		—		21,084		16,057		—
Home equity		6,521		4,777		—		6,970		5,374		—
Consumer		104		51		—		316		159		—
Total nonperforming loans without a specific allowance		35,493		26,808		—		50,951		41,415		—
Total nonperforming loans with a specific allowance		—		—		—		—		—		—
Total nonperforming loans	$	35,493	$	26,808	$	—	$	50,951	$	41,415	$	—

(1) The difference between the unpaid principal balance and the recorded investment generally reflects amounts that have been previously charged-off and fair market value adjustments on acquired nonperforming loans.

	Nonperforming Loans
	For the Year Ended December 31, 2023				For the Year Ended December 31, 2022				For the Year Ended December 31, 2021
(in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related specific allowance recorded:
Commercial real estate:
Land and construction	$	22	$	—	$	79	$	2	$	176	$	—
Improved property		13,369		—		9,324		99		7,207		32
Commercial and industrial		2,530		—		4,233		12		4,077		11
Residential real estate		12,628		—		17,873		247		20,971		155
Home equity		5,119		—		5,298		37		5,561		13
Consumer		107		—		406		5		420		3
Total nonperforming loans without a specific allowance		33,775		—		37,213		402		38,413		214
With a specific allowance recorded:
Commercial real estate:
Land and construction		—		—		—		—		—		—
Improved property		—		—		—		—		1,669		—
Commercial and industrial		—		—		—		—		—		—
Residential real estate		—		—		—		—		—		—
Home equity		—		—		—		—		—		—
Consumer		—		—		—		—		—		—
Total nonperforming loans with a specific allowance		—		—		—		—		1,669		—
Total nonperforming loans	$	33,775	$	—	$	37,213	$	402	$	40,082	$	214

Recognition of Interest Income on Nonperforming Loans

The following table summarizes the recognition of interest income on nonperforming loans:

	For the years ended December 31,
(in thousands)	2023		2022		2021
Average nonperforming loans	$	33,775	$	37,213	$	40,082
Amount of contractual interest income on nonperforming loans		1,191		2,722		1,213
Amount of interest income recognized on nonperforming loans		—		402		214

Recorded Investment in Non-Accrual Loans

The following table presents the recorded investment in non-accrual loans:

	Non-accrual Loans (1)
(in thousands)	December 31, 2023		December 31, 2022
Commercial real estate:
Land and construction	$	—	$	112
Improved property		9,557		16,254
Total commercial real estate		9,557		16,366
Commercial and industrial		1,841		2,946
Residential real estate		10,582		13,695
Home equity		4,777		5,044
Consumer		51		134
Total	$	26,808	$	38,185

(1) At December 31, 2023, there were two borrowers with loan balances greater than $1.0 million totaling $7.2 million, as compared to three borrowers with a loan balance greater than $1.0 million totaling $11.8 million at December 31, 2022. Total non-accrual loans include loans that are also restructured for borrowers experiencing financial difficulty or were previously designated as non-accrual TDRs prior to the adoption of ASU 2022-02. Such loans are also set forth in the following tables.

Summary of Details of Portfolio Loans Modified by Loan Category

The following table displays the details of portfolio loans that were modified during the year ended December 31, 2023 presented by loan category:

	For the Year Ended December 31, 2023
(unaudited, in thousands)	Term Extension		Payment Delay		Total		% of Total by Loan Category
Commercial real estate - land and construction	$	—	$	—	$	—		—
Commercial real estate - improved property		6,281		153		6,434		0.1
Commercial and industrial		10,555		16		10,571		0.6
Residential real estate		—		989		989		0.0
Home equity		8		1,186		1,194		0.2
Consumer		—		446		446		0.2
Total	$	16,844	$	2,790	$	19,634		0.2

Unfunded loan commitments on modifications for borrowers experiencing financial difficulty ("MBEFDs") totaled $1.8 million at December 31, 2023. These commitments are not included in the table above.

Summary of Financial Impacts of Loan Modifications and Payment Deferrals to Portfolio Loans

The following table summarizes the financial impacts of loan modifications and payment deferrals made to portfolio loans during the year ended December 31, 2023, presented by loan category:

	For the Year Ended December 31, 2023
(unaudited, in thousands)	Weighted-Average Term Extension (in months)
Commercial real estate - land and construction		—
Commercial real estate - improved property		25
Commercial and industrial		9
Residential real estate		—
Home equity		120
Consumer		—

Summary of Loans with MBEFDs

The following table summarizes loans with MBEFDs which defaulted (defined as 90 days past due) during the 12 months after the loan was modified. Modified loans, including those that have defaulted, are already included in the allowance for credit losses through the various methodologies used to estimate the allowance. As such, no modification to the allowance is recorded specifically due to a modified loan subsequently defaulting.

	For the Year Ended December 31, 2023
(unaudited, in thousands)	Term Extension
Commercial real estate - land and construction	$	—
Commercial real estate - improved property		33
Commercial and industrial		2,975
Residential real estate		—
Home equity		—
Consumer		—
Total loans that subsequently defaulted		3,008

Summary of Aging Analysis of Portfolio Loans Restructured

The following table presents an aging analysis of portfolio loans that were modified on or after January 1, 2023, the date that Wesbanco adopted ASU 2022-02, by loan category, as of December 31, 2023:

	December 31, 2023
(unaudited, in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total
Commercial real estate - land and construction	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate - improved property		182		—		113		295		6,139		6,434
Commercial and industrial		—		16		2,975		2,991		7,580		10,571
Residential real estate		—		72		32		104		885		989
Home equity		—		46		227		273		921		1,194
Consumer		8		53		28		89		357		446
Total modified loans (1)		190		187		3,375		3,752		15,882		19,634

(1) Represents balance at period end.

Loans Identified as TDRs

The following tables present details related to loans identified as TDRs during the year ended December 31, 2022:

	TDRs
	December 31, 2022
(in thousands)	Accruing		Non-Accrual		Total
Commercial real estate:
Land and construction	$	—	$	—	$	—
Improved property		347		29		376
Total commercial real estate		347		29		376
Commercial and industrial		166		—		166
Residential real estate		2,362		1,464		3,826
Home equity		330		218		548
Consumer		25		—		25
Total	$	3,230	$	1,711	$	4,941

	New TDRs (1)  For the Year Ended December 31, 2022
(dollars in thousands)	Number of Modifications		Pre- Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment
Commercial real estate:
Land and construction		1	$	84	$	—
Improved property		2		1,286		—
Total commercial real estate		3		1,370		—
Commercial and industrial		—		—		—
Residential real estate		—		—		—
Home equity		—		—		—
Consumer		—		—		—
Total		3	$	1,370	$	—

(1) Excludes loans that were either paid off or charged-off by period end. The pre-modification balance represents the balance outstanding at the beginning of the period. The post-modification balance represents the outstanding balance at period end.

Summary of Amortized Cost Basis Loan Balances by Year of Origination and Credit Quality Indicator

The following table summarizes amortized cost basis loan balances by year of origination and credit quality indicator.

	Loans As of December 31, 2023
	Amortized Cost Basis by Origination Year
(in thousands)	2023		2022		2021		2020		2019		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Commercial real estate: land and construction
Risk rating:
Pass	$	290,954	$	349,549	$	145,043	$	54,172	$	48,655	$	35,917	$	82,288	$	46,781	$	1,053,359
Criticized - compromised		—		—		—		—		—		16		299		2,182		2,497
Classified - substandard		—		—		—		—		—		9		—		—		9
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	290,954	$	349,549	$	145,043	$	54,172	$	48,655	$	35,942	$	82,587	$	48,963	$	1,055,865
Current-period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	222	$	222
Commercial real estate: improved property
Risk rating:
Pass	$	494,142	$	1,076,535	$	603,354	$	581,540	$	514,523	$	1,706,804	$	103,467	$	257,029	$	5,337,394
Criticized - compromised		—		16,270		8,630		4,387		5,185		44,861		2,373		25,767		107,473
Classified - substandard		1,921		517		417		2,416		23,472		35,939		—		34		64,716
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	496,063	$	1,093,322	$	612,401	$	588,343	$	543,180	$	1,787,604	$	105,840	$	282,830	$	5,509,583
Current-period gross charge-offs	$	—	$	—	$	372	$	—	$	—	$	1,505	$	—	$	—	$	1,877
Commercial and industrial
Risk rating:
Pass	$	238,427	$	234,520	$	136,998	$	78,836	$	39,259	$	252,826	$	541,400	$	64,417	$	1,586,683
Criticized - compromised		1,094		834		3,169		1,490		7,334		31,526		20,626		7,131		73,204
Classified - substandard		33		149		315		265		825		1,916		5,797		1,472		10,772
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	239,554	$	235,503	$	140,482	$	80,591	$	47,418	$	286,268	$	567,823	$	73,020	$	1,670,659
Current-period gross charge-offs	$	98	$	205	$	603	$	353	$	20	$	463	$	—	$	541	$	2,283
Residential real estate
Loan delinquency:
Current	$	277,790	$	429,835	$	445,322	$	185,139	$	86,149	$	456,818	$	—	$	548,147	$	2,429,200
30-59 days past due		—		—		—		—		—		1,572		—		—		1,572
60-89 days past due		—		—		—		341		—		2,130		—		—		2,471
90 days or more past due		—		799		34		—		263		4,207		—		28		5,331
Total	$	277,790	$	430,634	$	445,356	$	185,480	$	86,412	$	464,727	$	—	$	548,175	$	2,438,574
Current-period gross charge-offs	$	—	$	—	$	—	$	—	$	5	$	387	$	—	$	—	$	392
Home equity
Loan delinquency:
Current	$	12,675	$	1,235	$	1,467	$	1,571	$	1,614	$	22,484	$	681,848	$	1,399	$	724,293
30-59 days past due		34		193		85		73		44		947		3,315		—		4,691
60-89 days past due		119		318		16		68		76		524		—		77		1,198
90 days or more past due		—		213		—		737		230		2,527		—		330		4,037
Total	$	12,828	$	1,959	$	1,568	$	2,449	$	1,964	$	26,482	$	685,163	$	1,806	$	734,219
Current-period gross charge-offs	$	—	$	139	$	57	$	29	$	79	$	615	$	6	$	—	$	925
Consumer
Loan delinquency:
Current	$	84,526	$	57,661	$	21,592	$	13,189	$	10,958	$	12,143	$	23,916	$	4	$	223,989
30-59 days past due		699		1,526		952		343		162		119		32		—		3,833
60-89 days past due		191		616		195		112		5		59		—		—		1,178
90 days or more past due		64		203		114		63		9		108		—		—		561
Total	$	85,480	$	60,006	$	22,853	$	13,707	$	11,134	$	12,429	$	23,948	$	4	$	229,561
Current-period gross charge-offs	$	251	$	1,921	$	901	$	301	$	100	$	247	$	4	$	—	$	3,725

	Loans As of December 31, 2022
	Amortized Cost Basis by Origination Year
(unaudited, in thousands)	2022		2021		2020		2019		2018		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Commercial real estate: land and construction
Risk rating:
Pass	$	159,769	$	136,131	$	138,171	$	155,141	$	61,823	$	51,381	$	117,237	$	92,151	$	911,804
Criticized - compromised		559		265		—		—		24		31		—		450		1,329
Classified - substandard		—		—		6,001		—		—		124		—		24,629		30,754
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	160,328	$	136,396	$	144,172	$	155,141	$	61,847	$	51,536	$	117,237	$	117,230	$	943,887
Current-period gross charge-offs	$	—	$	—	$	—	$	—	$	73	$	—	$	—	$	—	$	73
Commercial real estate: improved property
Risk rating:
Pass	$	1,082,984	$	620,205	$	613,663	$	528,004	$	371,880	$	1,551,478	$	72,327	$	99,594	$	4,940,135
Criticized - compromised		10,554		354		2,877		7,659		13,551		85,332		1,066		—		121,393
Classified - substandard		—		658		275		15,489		9,761		29,712		34		—		55,929
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	1,093,538	$	621,217	$	616,815	$	551,152	$	395,192	$	1,666,522	$	73,427	$	99,594	$	5,117,457
Current-period gross charge-offs	$	—	$	—	$	128	$	100	$	3	$	564	$	—	$	—	$	795
Commercial and industrial
Risk rating:
Pass	$	280,510	$	184,805	$	116,890	$	72,142	$	103,660	$	232,062	$	526,025	$	22,206	$	1,538,300
Criticized - compromised		917		1,192		270		8,278		264		2,524		7,654		4,124		25,223
Classified - substandard		93		3,209		976		2,157		97		2,854		1,066		5,420		15,872
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	281,520	$	189,206	$	118,136	$	82,577	$	104,021	$	237,440	$	534,745	$	31,750	$	1,579,395
Current-period gross charge-offs	$	—	$	16	$	234	$	275	$	70	$	182	$	—	$	291	$	1,068
Residential real estate
Loan delinquency:
Current	$	541,659	$	556,928	$	211,496	$	97,160	$	52,135	$	478,977	$	—	$	190,740	$	2,129,095
30-59 days past due		—		—		—		—		—		853		—		—		853
60-89 days past due		—		442		349		65		—		2,680		—		—		3,536
90 days or more past due		—		—		—		285		119		6,654		—		42		7,100
Total	$	541,659	$	557,370	$	211,845	$	97,510	$	52,254	$	489,164	$	—	$	190,782	$	2,140,584
Current-period gross charge-offs	$	—	$	—	$	—	$	—	$	6	$	494	$	—	$	—	$	500
Home equity
Loan delinquency:
Current	$	10,718	$	1,459	$	1,133	$	1,774	$	1,088	$	25,203	$	644,430	$	957	$	686,762
30-59 days past due		80		61		180		67		34		1,165		2,260		38		3,885
60-89 days past due		—		15		—		50		88		458		—		10		621
90 days or more past due		—		—		572		93		257		2,425		16		434		3,797
Total	$	10,798	$	1,535	$	1,885	$	1,984	$	1,467	$	29,251	$	646,706	$	1,439	$	695,065
Current-period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	310	$	—	$	48	$	358
Consumer
Loan delinquency:
Current	$	84,817	$	36,123	$	25,071	$	25,535	$	8,488	$	16,337	$	25,755	$	27	$	222,153
30-59 days past due		980		937		488		159		98		217		31		—		2,910
60-89 days past due		184		293		94		47		29		57		—		—		704
90 days or more past due		183		208		69		32		2		79		—		—		573
Total	$	86,164	$	37,561	$	25,722	$	25,773	$	8,617	$	16,690	$	25,786	$	27	$	226,340
Current-period gross charge-offs	$	769	$	1,237	$	624	$	333	$	186	$	326	$	—	$	1	$	3,476

Summary of Other Real Estate Owned and Repossessed Assets

The following table summarizes other real estate owned and repossessed assets included in other assets:

	December 31,
(in thousands)	2023		2022
Other real estate owned	$	1,207	$	1,397
Repossessed assets		290		89
Total other real estate owned and repossessed assets	$	1,497	$	1,486