Loans and the Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2024

Financing Receivable, Allowance for Credit Loss [Line Items]

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 $11.8 million and $11.5 million at March 31, 2024 and December 31, 2023, respectively. The unaccreted discount on purchased loans from acquisitions was $12.7 million at March 31, 2024 and $13.5 million at December 31, 2023.

	March 31,		December 31,
(unaudited, in thousands)	2024		2023
Commercial real estate:
Land and construction	$	1,087,649	$	1,055,865
Improved property		5,667,284		5,509,583
Total commercial real estate		6,754,933		6,565,448
Commercial and industrial		1,683,172		1,670,659
Residential real estate		2,469,357		2,438,574
Home equity		740,973		734,219
Consumer		224,732		229,561
Total portfolio loans		11,873,167		11,638,461
Loans held for sale		12,472		16,354
Total loans	$	11,885,639	$	11,654,815

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:

	Allowance for Credit Losses By Category
	For the Three Months Ended March 31, 2024 and 2023
(unaudited, 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 December 31, 2023
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 beginning allowance for credit    losses - loans and loan    commitments		14,017			59,351			37,073			22,494			1,022			3,956			1,366			139,279
Provision for credit losses:
Provision for loan losses		858			(3,621	)		5,806			650			25			538			194			4,450
Provision for loan commitments		(568	)		—			124			9			6			—			—			(429	)
Total provision for credit    losses - loans and loan    commitments (2)		290			(3,621	)		5,930			659			31			538			194			4,021
Charge-offs		(813	)		(58	)		(4,810	)		(135	)		(216	)		(1,098	)		(453	)		(7,583	)
Recoveries		—			432			401			34			198			455			128			1,648
Net (charge-offs) recoveries		(813	)		374			(4,409	)		(101	)		(18	)		(643	)		(325	)		(5,935	)
Balance at March 31, 2024
Allowance for credit    losses - loans		7,168			56,104			38,041			21,767			1,024			3,851			1,235			129,190
Allowance for credit    losses - loan commitments		6,326			—			553			1,285			11			—			—			8,175
Total ending allowance for credit    losses - loans and loan    commitments	$	13,494		$	56,104		$	38,594		$	23,052		$	1,035		$	3,851		$	1,235		$	137,365
Balance at December 31, 2022
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		(1,440	)		2,508			(2,783	)		4,407			141			97			(103	)		2,827
Provision for loan commitments		(51	)		—			797			(10	)		23			—			—			759
Total provision for credit    losses - loans and loan    commitments (2)		(1,491	)		2,508			(1,986	)		4,397			164			97			(103	)		3,586
Charge-offs		(222	)		(1,355	)		(320	)		13			(258	)		(776	)		(401	)		(3,319	)
Recoveries		73			276			134			75			80			622			140			1,400
Net (charge-offs) recoveries		(149	)		(1,079	)		(186	)		88			(178	)		(154	)		(261	)		(1,919	)
Balance at March 31, 2023
Allowance for credit    losses - loans		5,148			54,088			28,571			22,703			4,197			3,070			921			118,698
Allowance for credit    losses - loan commitments		5,974			—			797			2,205			151			—			—			9,127
Total ending allowance for credit    losses - loans and loan    commitments	$	11,122		$	54,088		$	29,368		$	24,908		$	4,348		$	3,070		$	921		$	127,825

(1) Deposit overdrafts of $4.1 million and $3.6 million are included in total portfolio loans for the periods ending March 31, 2024 and March 31, 2023, 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
(unaudited, 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
March 31, 2024
Allowance for credit losses:
Loans individually-evaluated	$	—	$	5,591	$	—	$	—	$	—	$	—	$	—	$	5,591
Loans collectively-evaluated		7,168		50,513		38,041		21,767		1,024		3,851		1,235		123,599
Loan commitments (2)		6,326		—		553		1,285		11		—		—		8,175
Total allowance for credit    losses - loans and commitments	$	13,494	$	56,104	$	38,594	$	23,052	$	1,035	$	3,851	$	1,235	$	137,365
Portfolio loans:
Individually-evaluated for credit    losses	$	—	$	36,701	$	45	$	—	$	—	$	—	$	—	$	36,746
Collectively-evaluated for credit    losses		1,087,649		5,630,583		1,683,127		2,469,357		740,973		224,732		—		11,836,421
Total portfolio loans	$	1,087,649	$	5,667,284	$	1,683,172	$	2,469,357	$	740,973	$	224,732	$	—	$	11,873,167
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

(1) Deposit overdrafts of $4.1 million and $4.7 million are included in total portfolio loans for the periods ending March 31, 2024 and December 31, 2023, respectively.

(2) For additional detail relating to loan commitments, see Note 11, "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
(unaudited, in thousands)	Commercial Real Estate- Land and Construction		Commercial Real Estate- Improved Property		Commercial & Industrial		Total Commercial Loans
As of March 31, 2024
Pass	$	1,084,975	$	5,491,663	$	1,588,033	$	8,164,671
Criticized - compromised		2,457		103,648		65,431		171,536
Classified - substandard		217		71,973		29,708		101,898
Classified - doubtful		—		—		—		—
Total	$	1,087,649	$	5,667,284	$	1,683,172	$	8,438,105
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

Summary of Age Analysis of Loan Categories

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

	Age Analysis of Loans
(unaudited, 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 March 31, 2024
Commercial real estate:
Land and construction	$	1,087,649	$	—	$	—	$	—	$	—	$	1,087,649	$	—
Improved property		5,651,347		2,852		1,226		11,859		15,937		5,667,284		408
Total commercial real estate		6,738,996		2,852		1,226		11,859		15,937		6,754,933		408
Commercial and industrial		1,679,157		1,440		633		1,942		4,015		1,683,172		135
Residential real estate		2,458,403		3,160		478		7,316		10,954		2,469,357		3,151
Home equity		730,521		4,869		2,249		3,334		10,452		740,973		1,223
Consumer		220,302		2,905		1,019		506		4,430		224,732		491
Total portfolio loans		11,827,379		15,226		5,605		24,957		45,788		11,873,167		5,408
Loans held for sale		12,472		—		—		—		—		12,472		—
Total loans	$	11,839,851	$	15,226	$	5,605	$	24,957	$	45,788	$	11,885,639	$	5,408
Nonperforming loans included above are as follows:
Non-accrual loans	$	11,054	$	1,612	$	704	$	19,549	$	21,865	$	32,919
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

Summary of Nonperforming Loans

The following tables summarize nonperforming loans:

	Nonperforming Loans
	March 31, 2024						December 31, 2023
	Unpaid						Unpaid
	Principal		Recorded		Related		Principal		Recorded		Related
(unaudited, in thousands)	Balance (1)		Investment		Allowance		Balance (1)		Investment		Allowance
With no related specific allowance recorded:
Commercial real estate:
Land and construction	$	1,023	$	210	$	—	$	—	$	—	$	—
Improved property		14,871		13,523		—		11,248		9,557		—
Commercial and industrial		3,660		2,765		—		2,492		1,841		—
Residential real estate		16,367		11,679		—		15,128		10,582		—
Home equity		6,420		4,669		—		6,521		4,777		—
Consumer		119		73		—		104		51		—
Total nonperforming loans without a specific allowance		42,460		32,919		—		35,493		26,808		—
Total nonperforming loans with a specific allowance		—		—		—		—		—		—
Total nonperforming loans	$	42,460	$	32,919	$	—	$	35,493	$	26,808	$	—

(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 Three Months Ended
	March 31, 2024				March 31, 2023
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
(unaudited, in thousands)	Investment		Recognized		Investment		Recognized
With no related specific allowance recorded:
Commercial real estate:
Land and construction	$	105	$	—	$	56	$	—
Improved property		11,540		—		17,401		—
Commercial and industrial		2,303		—		3,161		—
Residential real estate		11,131		—		14,447		—
Home equity		4,723		—		5,118		—
Consumer		62		—		134		—
Total nonperforming loans without a specific allowance		29,864		—		40,317		—
With a specific allowance recorded:
Commercial real estate:
Land and construction		—		—		—		—
Improved property		—		—		—		—
Total nonperforming loans with a specific allowance		—		—		—		—
Total nonperforming loans	$	29,864	$	—	$	40,317	$	—

Recorded Investment in Non-Accrual Loans

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

	Non-accrual Loans (1)
	March 31,		December 31,
(unaudited, in thousands)	2024		2023
Commercial real estate:
Land and construction	$	210	$	—
Improved property		13,523		9,557
Total commercial real estate		13,733		9,557
Commercial and industrial		2,765		1,841
Residential real estate		11,679		10,582
Home equity		4,669		4,777
Consumer		73		51
Total	$	32,919	$	26,808

(1) At March 31, 2024, there were four borrowers with a loan balance greater than $1.0 million, which totaled $10.9 million, as compared to two borrowers with a loan balance greater than $1.0 million totaling $7.2 million at December 31, 2023. Total non-accrual loans may include loans that are also restructured for borrowers experiencing financial difficulty. 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 three months ended March 31, 2024 and 2023 presented by loan category:

	For the Three Months Ended March 31, 2024
(unaudited, in thousands)	Term Extension		Payment Delay		Total		% of Total by Loan Category
Commercial real estate - land and construction	$	—	$	—	$	—		-
Commercial real estate - improved property		24,989		—		24,989		0.4
Commercial and industrial		—		41		41		0.0
Residential real estate		—		579		579		0.0
Home equity		—		350		350		0.0
Consumer		—		124		124		0.1
Total	$	24,989	$	1,094	$	26,083		0.2
	For the Three Months Ended March 31, 2023
(unaudited, in thousands)	Term Extension		Payment Delay		Total		Percent of Total by Loan Category
Commercial real estate - land and construction	$	6,000	$	—	$	6,000		0.8
Commercial real estate - improved property		3,738		—		3,738		0.1
Commercial and industrial		6,843		—		6,843		0.5
Residential real estate		—		101		101		0.0
Home equity		8		283		291		0.0
Consumer		—		34		34		0.0
Total	$	16,589	$	418	$	17,007		0.2

Unfunded loan commitments on modifications for borrowers experiencing financial difficulty ("MBEFDs") totaled $0.7 million for loans modified during the three months ended March 31, 2024 and $1.8 million for loans modified during the twelve months ended December 31, 2023. These commitments are not included in the tables 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 three months ended March 31, 2024 and 2023, presented by loan category:

	For the Three Months Ended March 31, 2024		For the Three Months Ended March 31, 2023
(unaudited, in thousands)	Weighted-Average Term Extension (in months)		Weighted-Average Term Extension (in months)
Commercial real estate - land and construction		—		3
Commercial real estate - improved property		9		34
Commercial and industrial		—		4
Residential real estate		—		—
Home equity		—		120
Consumer		—		—

Summary of Aging Analysis of Portfolio Loans Restructured

The following table presents an aging analysis of portfolio loans by loan category that were modified during the twelve months prior to March 31, 2024.

	March 31, 2024
(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		—		—		—		—		29,041		29,041
Commercial and industrial		—		—		41		41		8,531		8,572
Residential real estate		37		68		170		275		1,200		1,475
Home equity		14		—		233		247		1,016		1,263
Consumer		39		33		9		81		380		461
Total modified loans (1)	$	90	$	101	$	453	$	644	$	40,168	$	40,812

(1) Represents balance at period end.

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

The following tables summarize amortized cost basis loan balances by year of origination and credit quality indicator:

	Loans As of March 31, 2024
	Amortized Cost Basis by Origination Year
(unaudited, in thousands)	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Commercial real estate: land and construction
Risk rating:
Pass	$	24,606	$	331,376	$	379,849	$	152,158	$	24,478	$	60,384	$	62,496	$	49,628	$	1,084,975
Criticized - compromised		—		—		—		—		—		14		280		2,163		2,457
Classified - substandard		—		210		—		—		—		7		—		—		217
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	24,606	$	331,586	$	379,849	$	152,158	$	24,478	$	60,405	$	62,776	$	51,791	$	1,087,649
Current-period gross charge-offs	$	—	$	813	$	—	$	—	$	—	$	—	$	—	$	—	$	813
Commercial real estate: improved property
Risk rating:
Pass	$	107,508	$	500,262	$	1,090,763	$	576,509	$	618,834	$	2,165,451	$	115,578	$	316,758	$	5,491,663
Criticized - compromised		—		12,928		11,434		8,319		4,380		39,434		1,697		25,456		103,648
Classified - substandard		—		1,906		5,493		776		2,326		61,438		—		34		71,973
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	107,508	$	515,096	$	1,107,690	$	585,604	$	625,540	$	2,266,323	$	117,275	$	342,248	$	5,667,284
Current-period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	58	$	—	$	—	$	58
Commercial and industrial
Risk rating:
Pass	$	60,297	$	217,013	$	226,435	$	135,148	$	68,852	$	275,734	$	546,174	$	58,380	$	1,588,033
Criticized - compromised		—		1,276		1,174		254		1,387		38,277		15,626		7,437		65,431
Classified - substandard		—		405		875		741		239		2,343		24,145		960		29,708
Classified - doubtful		—		—		—		—		—		—		—		—		—
Total	$	60,297	$	218,694	$	228,484	$	136,143	$	70,478	$	316,354	$	585,945	$	66,777	$	1,683,172
Current-period gross charge-offs	$	—	$	274	$	126	$	—	$	53	$	325	$	—	$	4,032	$	4,810
Residential real estate
Loan delinquency:
Current	$	34,392	$	278,392	$	393,426	$	435,283	$	182,098	$	527,391	$	—	$	607,421	$	2,458,403
30-59 days past due		—		—		—		—		339		2,728		—		93		3,160
60-89 days past due		—		—		—		—		—		478		—		—		478
90 days or more past due		—		—		791		34		168		5,087		—		1,236		7,316
Total	$	34,392	$	278,392	$	394,217	$	435,317	$	182,605	$	535,684	$	—	$	608,750	$	2,469,357
Current-period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	77	$	—	$	58	$	135
Home equity
Loan delinquency:
Current	$	11,894	$	993	$	1,676	$	1,059	$	1,840	$	21,352	$	689,877	$	1,830	$	730,521
30-59 days past due		—		59		251		80		57		841		3,425		156		4,869
60-89 days past due		—		700		217		—		14		1,308		3		7		2,249
90 days or more past due		—		—		222		177		657		1,954		—		324		3,334
Total	$	11,894	$	1,752	$	2,366	$	1,316	$	2,568	$	25,455	$	693,305	$	2,317	$	740,973
Current-period gross charge-offs	$	—	$	20	$	62	$	—	$	35	$	72	$	20	$	7	$	216
Consumer
Loan delinquency:
Current	$	19,019	$	76,043	$	52,536	$	19,109	$	10,962	$	18,694	$	23,939	$	—	$	220,302
30-59 days past due		86		709		950		779		183		193		5		—		2,905
60-89 days past due		—		281		519		64		73		82		—		—		1,019
90 days or more past due		—		156		109		64		70		107		—		—		506
Total	$	19,105	$	77,189	$	54,114	$	20,016	$	11,288	$	19,076	$	23,944	$	—	$	224,732
Current-period gross charge-offs	$	—	$	189	$	587	$	213	$	52	$	57	$	—	$	—	$	1,098

	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

Summary of Other Real Estate Owned and Repossessed Assets

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

	March 31,		December 31,
(unaudited, in thousands)	2024		2023
Other real estate owned	$	1,210	$	1,207
Repossessed assets		264		290
Total other real estate owned and repossessed assets	$	1,474	$	1,497