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Loans (Tables)
 12 Months Ended
Dec. 31, 2022
Receivables [Abstract]  
Loan Portfolio Segments and Classes
The table below identifies the Company's loan portfolio segments and classes.
Portfolio SegmentClass of Financing Receivable
CommercialOwner occupied real estate
Non–owner occupied real estate
Residential spec homes
Development & spec land
Commercial & industrial
Real estateResidential mortgage
Residential construction
Mortgage warehouseMortgage warehouse
ConsumerDirect installment
Indirect installment
Home equity
Loans Outstanding by Portfolio Class
The following table presents total loans outstanding by portfolio class, as of December 31, 2022 and 2021.
December 31,
2022		December 31,
2021
Commercial
Owner occupied real estate$594,562 $560,887 
Non–owner occupied real estate1,187,077 1,088,470 
Residential spec homes10,838 9,907 
Development & spec land27,358 24,473 
Commercial and industrial647,587 530,208 
Total commercial2,467,422 2,213,945 
Real estate
Residential mortgage612,551 563,811 
Residential construction40,741 30,571 
Mortgage warehouse69,529 109,031 
Total real estate722,821 703,413 
Consumer
Direct installment56,614 63,714 
Indirect installment500,549 386,492 
Home equity410,592 290,970 
Total consumer967,755 741,176 
Total loans4,157,998 3,658,534 
Allowance for credit losses(50,464)(54,286)
Net loans$4,107,534 $3,604,248 
Non-accrual, Loans Past Due Over 90 Days Still on Accrual, and Troubled Debt Restructured ("TDRs") by Class of Loans
The following table presents non–accrual loans, loans past due over 90 days still on accrual, and troubled debt restructured loans by class of loans:
December 31, 2022
Non–accrualLoans Past
Due Over 90
Days Still
Accruing		Non–performing
TDRs		Performing
TDRs		Total
Non–performing
Loans		Non–performing Loans with no Allowance for Credit Losses
Commercial
Owner occupied real estate$3,423 $— $— $568 $3,991 $3,805 
Non–owner occupied real estate3,866 — — 269 4,135 2,211 
Residential spec homes101 — — — 101 101 
Development & spec land815 — — — 815 65 
Commercial and industrial288 — — — 288 288 
Total commercial8,493 — — 837 9,330 6,470 
Real estate
Residential mortgage5,479 43 1,210 1,391 8,123 8,123 
Residential construction— — — — — — 
Mortgage warehouse— — — — — — 
Total real estate5,479 43 1,210 1,391 8,123 8,123 
Consumer
Direct installment138 26 — — 164 164 
Indirect installment745 23 — — 768 768 
Home equity2,775 — 338 342 3,455 3,455 
Total consumer3,658 49 338 342 4,387 4,387 
Total$17,630 $92 $1,548 $2,570 $21,840 $18,980 
December 31, 2021
Non–accrualLoans Past
Due Over 90
Days Still
Accruing		Non–performing
TDRs		Performing
TDRs		Total
Non–performing
Loans		Non–performing Loans with no Allowance for Credit Losses
Commercial
Owner occupied real estate$4,247 $— $— $603 4,850 $2,796 
Non–owner occupied real estate761 — 285 — 1,046 1,046 
Residential spec homes— — — — — — 
Development & spec land919 — — — 919 919 
Commercial and industrial694 — — — 694 456 
Total commercial6,621 — 285 603 7,509 5,217 
Real estate
Residential mortgage5,626 66 892 1,421 8,005 8,005 
Residential construction— — — — — — 
Mortgage warehouse— — — — — — 
Total real estate5,626 66 892 1,421 8,005 8,005 
Consumer
Direct installment7 — — — 7 7 
Indirect installment538 15 — — 553 553 
Home equity2,170 64 344 367 2,945 2,945 
Total consumer2,715 79 344 367 3,505 3,505 
Total$14,962 $145 $1,521 $2,391 $19,019 $16,727 
Payment Status by Class of Loan
The following table presents the payment status by class of loan, excluding non–accrual loans of $17.6 million and non–performing TDRs of $1.5 million at December 31, 2022:
December 31, 2022
Current30–59 Days
Past Due		60–89 Days
Past Due		90 Days or
Greater
Past Due		Total Past DueTotal Loans
Commercial
Owner occupied real estate$590,870 $269 — — $269 $591,139 
Non–owner occupied real estate1,183,195 16 — — 16 1,183,211 
Residential spec homes10,737 — — — — 10,737 
Development & spec land26,513 — 30 — 30 26,543 
Commercial and industrial646,792 507 — — 507 647,299 
Total commercial2,458,107 792 30 — 822 2,458,929 
Real estate
Residential mortgage603,630 1,980 209 43 2,232 605,862 
Residential construction40,741 — — — — 40,741 
Mortgage warehouse69,529 — — — — 69,529 
Total real estate713,900 1,980 209 43 2,232 716,132 
Consumer
Direct installment56,266 168 16 26 210 56,476 
Indirect installment494,341 4,536 904 23 5,463 499,804 
Home equity405,405 1,413 661 — 2,074 407,479 
Total consumer956,012 6,117 1,581 49 7,747 963,759 
Total$4,128,019 $8,889 $1,820 $92 $10,801 $4,138,820 
The following table presents the payment status by class of loans, excluding non–accrual loans of $15.0 million and non–performing TDRs $1.5 million of at December 31, 2021:
December 31, 2021
Current30–59 Days
Past Due		60–89 Days
Past Due		90 Days or
Greater
Past Due		Total Past DueTotal
Commercial
Owner occupied real estate$555,851 $789 $— $— $789 $556,640 
Non–owner occupied real estate1,085,716 1,708 — — 1,708 1,087,424 
Residential spec homes9,907 — — — — 9,907 
Development & spec land23,496 58 — — 58 23,554 
Commercial and industrial528,461 974 79 — 1,053 529,514 
Total commercial2,203,431 3,529 79 — 3,608 2,207,039 
Real estate
Residential mortgage556,128 834 265 66 1,165 557,293 
Residential construction30,571 — — — — 30,571 
Mortgage warehouse109,031 — — — — 109,031 
Total real estate695,730 834 265 66 1,165 696,895 
Consumer
Direct installment63,295 409 3 — 412 63,707 
Indirect installment383,532 2,271 136 15 2,422 385,954 
Home equity287,382 849 161 64 1,074 288,456 
Total consumer734,209 3,529 300 79 3,908 738,117 
Total$3,633,370 $7,892 $644 $145 $8,681 $3,642,051 
Schedule of TDRs by Loan Portfolio
The following table presents TDRs by loan portfolio:
December 31, 2022December 31, 2021
Non–accrualAccruingTotalNon-accrualAccruingTotal
Commercial
Owner occupied real estate$— $568 $568 $— $603 $603 
Non–owner occupied real estate— 269 269 285 — 285 
Residential spec homes— — — — — — 
Development & spec land— — — — — — 
Commercial and industrial— — — — — — 
Total commercial— 837 837 285 603 888 
Real estate
Residential mortgage1,210 1,391 2,601 892 1,421 2,313 
Residential construction— — — — — — 
Mortgage warehouse— — — — — — 
Total real estate1,210 1,391 2,601 892 1,421 2,313 
Consumer
Direct installment— — — — — — 
Indirect installment— — — — — — 
Home equity338 342 680 344 367 711 
Total consumer338 342 680 344 367 711 
Total$1,548 $2,570 $4,118 $1,521 $2,391 $3,912 
Allowance for Credit Loss Allocated for Collateral Dependent Loans
The tables below present the amortized cost basis and ACL allocated for collateral dependent loans in accordance with ASC326, which are individually evaluated to determine expected credit losses, at December 31, 2022 and 2021.
December 31, 2022
Real EstateAccounts Receivable/EquipmentOtherTotalACL Allocation
Commercial
Owner occupied real estate$3,905 $95 $— $4,000 $215 
Non–owner occupied real estate4,135 — — 4,135 988 
Residential spec homes101 — — 101 — 
Development & spec land815 — — 815 36 
Commercial and industrial— 248 31 279 — 
Total commercial8,956 343 31 9,330 1,239 
Total collateral dependent loans$8,956 $343 $31 $9,330 $1,239 
December 31, 2021
Real EstateAccounts Receivable/EquipmentOtherTotalACL Allocation
Commercial
Owner occupied real estate$11,201 $103 $— $11,304 $632 
Non–owner occupied real estate2,068 — — 2,068 — 
Development & spec land919 — — 919 — 
Commercial and industrial427 1,218 — 1,645 128 
Total commercial14,615 1,321 — 15,936 760 
Total collateral dependent loans$14,615 $1,321 $— $15,936 $760 
Loans by Credit Grades
The following tables present loans by credit grades and origination year at December 31, 2022.
December 31, 202220222021202020192018PriorRevolving
Loans		Total
Commercial
Owner occupied real estate
Pass$102,986 $78,420 $50,751 $50,807 $38,518 $168,574 $76,493 $566,549 
Special Mention— 6,677 — 7 — 2,729 83 9,496 
Substandard1,016 253 983 834 3,116 9,439 2,876 18,517 
Doubtful— — — — — — — — 
Total owner occupied real estate$104,002 $85,350 $51,734 $51,648 $41,634 $180,742 $79,452 $594,562 
Non–owner occupied real estate
Pass$186,272 $176,077 $134,395 $96,566 $57,382 $305,264 $182,681 $1,138,637 
Special Mention— 1,415 265 883 39,239 617 — 42,419 
Substandard— — 246 — 3,532 2,243 — 6,021 
Doubtful— — — — — — — — 
Total non–owner occupied real estate$186,272 $177,492 $134,906 $97,449 $100,153 $308,124 $182,681 $1,187,077 
Residential spec homes
Pass$379 $3,957 $146 $— $— $1,922 $4,334 $10,738 
Special Mention— — — — — — — — 
Substandard— — — — — — 100 100 
Doubtful— — — — — — — — 
Total residential spec homes$379 $3,957 $146 $— $— $1,922 $4,434 $10,838 
Development & spec land
Pass$1,586 $1,230 $449 $270 $5 $9,739 $13,008 $26,287 
Special Mention— — — — — 145 — 145 
Substandard— — — — — 178 748 926 
Doubtful— — — — — — — — 
Total development & spec land$1,586 $1,230 $449 $270 $5 $10,062 $13,756 $27,358 
Commercial & industrial
Pass$207,019 $139,759 $32,997 $34,303 $41,044 $119,850 $49,859 $624,831 
Special Mention718 368 31 562 706 2,251 — 4,636 
Substandard— 2,720 2,216 532 1,618 5,517 5,517 18,120 
Doubtful— — — — — — — — 
Total commercial & industrial207,737 142,847 35,244 35,397 43,368 127,618 55,376 647,587 
Total commercial$499,976 $410,876 $222,479 $184,764 $185,160 $628,468 $335,699 $2,467,422 
December 31, 202220222021202020192018PriorRevolving
Loans		Total
Real estate
Residential mortgage
Performing$107,224 $156,595 $91,314 $33,768 $36,147 $178,588 $792 $604,428 
Non–performing— 493 285 623 631 6,091 — 8,123 
Total residential mortgage$107,224 $157,088 $91,599 $34,391 $36,778 $184,679 $792 $612,551 
Residential construction
Performing$187 $— $— $— $— $— $40,554 $40,741 
Non–performing— — — — — — — — 
Total residential construction$187 $— $— $— $— $— $40,554 $40,741 
Mortgage warehouse
Performing$— $— $— $— $— $— $69,529 $69,529 
Non–performing— — — — — — — — 
Total mortgage warehouse— — — — — — 69,529 69,529 
Total real estate$107,411 $157,088 $91,599 $34,391 $36,778 $184,679 $110,875 $722,821 
December 31, 202220222021202020192018PriorRevolving
Loans		Total
Consumer
Direct installment
Performing$19,851 $12,708 $7,204 $7,682 $3,952 $5,044 $9 $56,450 
Non–performing— 50 13 65 25 11 — 164 
Total direct installment$19,851 $12,758 $7,217 $7,747 $3,977 $5,055 $9 $56,614 
Indirect installment
Performing$259,446 $118,961 $60,062 $34,576 $19,062 $7,674 $— $499,781 
Non–performing27 169 210 181 101 80 — 768 
Total indirect installment$259,473 $119,130 $60,272 $34,757 $19,163 $7,754 $— $500,549 
Home equity
Performing$160,124 $85,254 $41,438 $26,984 $21,606 $64,642 $7,089 $407,137 
Non–performing108 16 19 140 152 1,077 1,943 3,455 
Total home equity160,232 85,270 41,457 27,124 21,758 65,719 9,032 410,592 
Total consumer$439,556 $217,158 $108,946 $69,628 $44,898 $78,528 $9,041 $967,755 
The following table presents loans by credit grades at December 31, 2021.
December 31, 202120212020201920182017PriorRevolving
Loans		Total
Commercial
Owner occupied real estate
Pass$86,798 $58,789 $61,134 $43,903 $46,530 $159,351 $60,539 $517,044 
Special Mention— 72 2,685 3,194 7,279 11,451 1,345 26,026 
Substandard— 1,003 1,312 3,192 1,957 9,579 774 17,817 
Doubtful— — — — — — — — 
Total owner occupied real estate$86,798 $59,864 $65,131 $50,289 $55,766 $180,381 $62,658 $560,887 
Non–owner occupied real estate
Pass$175,538 $108,465 $120,561 $59,596 $126,334 $260,362 $178,928 $1,029,784 
Special Mention— 839 1,192 34,412 999 3,850 515 41,807 
Substandard720 — 6,045 1,096 425 7,793 800 16,879 
Doubtful— — — — — — — — 
Total non–owner occupied real estate$176,258 $109,304 $127,798 $95,104 $127,758 $272,005 $180,243 $1,088,470 
Residential spec homes
Pass$1,115 $254 $155 $— $— $1,346 $7,037 $9,907 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total residential spec homes$1,115 $254 $155 $— $— $1,346 $7,037 $9,907 
Development & spec land
Pass$2,282 $536 $503 $11 $3,583 $8,496 $7,837 $23,248 
Special Mention— — — — — 177 — 177 
Substandard— — — — 11 289 748 1,048 
Doubtful— — — — — — — — 
Total development & spec land$2,282 $536 $503 $11 $3,594 $8,962 $8,585 $24,473 
Commercial & industrial
Pass$198,482 $48,245 $43,003 $47,986 $64,292 $69,589 $23,647 $495,244 
Special Mention592 3,278 2,090 4,588 3,781 7,427 3,295 25,051 
Substandard111 143 1,211 3,936 1,313 1,847 1,352 9,913 
Doubtful— — — — — — — — 
Total commercial & industrial199,185 51,666 46,304 56,510 69,386 78,863 28,294 530,208 
Total commercial$465,638 $221,624 $239,891 $201,914 $256,504 $541,557 $286,817 $2,213,945 
December 31, 202120212020201920182017PriorRevolving
Loans		Total
Real estate
Residential mortgage
Performing$116,118 $105,051 $44,691 $50,778 $56,330 $182,838 $— $555,806 
Non–performing— 78 448 854 66 6,559 — 8,005 
Total residential mortgage$116,118 $105,129 $45,139 $51,632 $56,396 $189,397 $— $563,811 
Residential construction
Performing$— $— $— $— $— $— $30,571 $30,571 
Non–performing— — — — — — — — 
Total residential construction$— $— $— $— $— $— $30,571 $30,571 
Mortgage warehouse
Performing$— $— $— $— $— $— $109,031 $109,031 
Non–performing— — — — — — — — 
Total mortgage warehouse— — — — — — 109,031 109,031 
Total real estate$116,118 $105,129 $45,139 $51,632 $56,396 $189,397 $139,602 $703,413 
December 31, 202120212020201920182017PriorRevolving
Loans		Total
Consumer
Direct installment
Performing$18,826 $12,756 $13,390 $7,027 $6,036 $5,577 $95 $63,707 
Non–performing— — — — 1 6 — 7 
Total direct installment$18,826 $12,756 $13,390 $7,027 $6,037 $5,583 $95 $63,714 
Indirect installment
Performing$166,188 $94,835 $61,110 $41,451 $17,650 $4,705 $— $385,939 
Non–performing46 93 162 92 88 72 — 553 
Total indirect installment$166,234 $94,928 $61,272 $41,543 $17,738 $4,777 $— $386,492 
Home equity
Performing$80,389 $51,856 $34,603 $26,924 $22,495 $65,059 $6,699 $288,025 
Non–performing9 114 37 90 166 1,321 1,208 2,945 
Total home equity80,398 51,970 34,640 27,014 22,661 66,380 7,907 290,970 
Total consumer$265,458 $159,654 $109,302 $75,584 $46,436 $76,740 $8,002 $741,176