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Loans (Tables)
 6 Months Ended
Jun. 30, 2023
Receivables [Abstract]  
Schedule of 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 and industrial
Real estateResidential mortgage
Residential construction
Mortgage warehouseMortgage warehouse
ConsumerDirect installment
Indirect installment
Home equity
Schedule of Loans Outstanding By Portfolio Class
The following table presents total loans outstanding by portfolio class, as of June 30, 2023 and December 31, 2022:
June 30,
2023		December 31,
2022
Commercial
Owner occupied real estate$619,649 $594,562 
Non–owner occupied real estate1,199,150 1,187,077 
Residential spec homes13,116 10,838 
Development & spec land27,370 27,358 
Commercial and industrial646,994 647,587 
Total commercial2,506,279 2,467,422 
Real estate
Residential mortgage626,834 612,551 
Residential construction47,917 40,741 
Mortgage warehouse82,345 69,529 
Total real estate757,096 722,821 
Consumer
Direct installment54,914 56,614 
Indirect installment477,938 500,549 
Home equity470,033 410,592 
Total consumer1,002,885 967,755 
Total loans4,266,260 4,157,998 
Allowance for credit losses(49,976)(50,464)
Net loans$4,216,284 $4,107,534 
Schedule of 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 and loans past due over 90 days still on accrual by class of loans at June 30, 2023:

June 30, 2023
Non–accrualLoans Past
Due Over 90
Days Still
Accruing		Total
Non–performing
Loans		Non–performing
with no Allowance for Credit Losses
Commercial
Owner occupied real estate$3,288 $— $3,288 $3,102 
Non–owner occupied real estate3,801 — 3,801 1,382 
Residential spec homes101 — 101 — 
Development & spec land803 — 803 803 
Commercial and industrial282 — 282 282 
Total commercial8,275 — 8,275 5,569 
Real estate
Residential mortgage7,927 241 8,168 8,168 
Residential construction— — — — 
Mortgage warehouse— — — — 
Total real estate7,927 241 8,168 8,168 
Consumer
Direct installment110 1 111 111 
Indirect installment1,040 417 1,457 1,457 
Home equity3,444 654 4,098 4,098 
Total consumer4,594 1,072 5,666 5,666 
Total$20,796 $1,313 $22,109 $19,403 
The following table presents non–accrual loans, loans past due over 90 days still on accrual, and troubled debt restructurings (“TDRs”) by class of loan at December 31, 2022:

December 31, 2022
Non–accrualLoans Past
Due Over 90
Days Still
Accruing		Non–performing
TDRs		Performing
TDRs		Total
Non–performing
Loans		Non–performing
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 
Schedule of Payment Status by Class of Loan
The following table presents the payment status by class of loan, excluding non–accrual loans of $20.8 million at June 30, 2023:
June 30, 2023
Current30–59 Days
Past Due		60–89 Days
Past Due		90 Days or
Greater
Past Due		Total 
Past Due
Loans		Total
Loans
Commercial
Owner occupied real estate$616,361 $— $— $— $— $616,361 
Non–owner occupied real estate1,195,349 — — — — 1,195,349 
Residential spec homes13,015 — — — — 13,015 
Development & spec land26,567 — — — — 26,567 
Commercial and industrial646,220 492 — — 492 646,712 
Total commercial2,497,512 492 — — 492 2,498,004 
Real estate
Residential mortgage617,330 1,336 — 241 1,577 618,907 
Residential construction47,917 — — — — 47,917 
Mortgage warehouse82,345 — — — — 82,345 
Total real estate747,592 1,336 — 241 1,577 749,169 
Consumer
Direct installment54,572 168 63 1 232 54,804 
Indirect installment470,932 4,832 717 417 5,966 476,898 
Home equity462,630 2,685 620 654 3,959 466,589 
Total consumer988,134 7,685 1,400 1,072 10,157 998,291 
Total$4,233,238 $9,513 $1,400 $1,313 $12,226 $4,245,464 
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 Due
Loans		Total
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 $4,138,820 
Schedule of TDRs by Loan Portfolio
The following table presents TDRs by class of loan at December 31, 2022:
December 31, 2022
Non–accrualAccruingTotal
Commercial
Owner occupied real estate$— $568 $568 
Non–owner occupied real estate— 269 269 
Residential spec homes— — — 
Development & spec land— — — 
Commercial and industrial— — — 
Total commercial— 837 837 
Real estate
Residential mortgage1,210 1,391 2,601 
Residential construction— — — 
Mortgage warehouse— — — 
Total real estate1,210 1,391 2,601 
Consumer
Direct installment— — — 
Indirect installment— — — 
Home equity338 342 680 
Total consumer338 342 680 
Total$1,548 $2,570 $4,118 
Schedule of Allowance for Credit Loss Allocated for Collateral Dependent Loans
The table below presents the amortized cost basis and allowance for credit losses (“ACL”) allocated for collateral dependent loans in accordance with ASC 326, which are individually evaluated to determine expected credit losses.
June 30, 2023
Real EstateAccounts Receivable/EquipmentOtherTotalACL
Allocation
Commercial
Owner occupied real estate$3,715 $102 $— $3,817 $63 
Non–owner occupied real estate4,061 — — 4,061 840 
Residential spec homes101 — — 101 47 
Development & spec land803 — — 803 — 
Commercial and industrial— 248 34 282 — 
Total commercial8,680 350 34 9,064 950 
Total collateral dependent loans$8,680 $350 $34 $9,064 $950 
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 
Schedule of Loans by Credit Grades
The following tables present loans by credit grades and origination year at June 30, 2023.
June 30, 202320232022202120202019PriorRevolving LoansTotal
Commercial
Owner occupied real estate
Pass$38,438 $101,386 $77,423 $46,202 $48,716 $195,123 $87,724 $595,012 
Special Mention— 497 8,904 160 5 1,931 — 11,497 
Substandard535 507 — 973 232 10,177 716 13,140 
Doubtful— — — — — — — — 
Total owner occupied real estate$38,973 $102,390 $86,327 $47,335 $48,953 $207,231 $88,440 $619,649 
Gross charge–offs during period$— $54 $53 $— $— $2 $— $109 
Non–owner occupied real estate
Pass$72,352 $214,876 $168,376 $106,711 $88,739 $320,884 $173,728 $1,145,666 
Special Mention— — 1,375 260 865 44,808 — 47,308 
Substandard— — — 216 — 5,960 — 6,176 
Doubtful— — — — — — — — 
Total non–owner occupied real estate$72,352 $214,876 $169,751 $107,187 $89,604 $371,652 $173,728 $1,199,150 
Gross charge–offs during period$— $— $— $— $— $9 $— $9 
Residential spec homes
Pass$2 $5,079 $2,492 $— $— $1,353 $4,089 $13,015 
Special Mention— — — — — — — — 
Substandard— — — — — — 101 101 
Doubtful— — — — — — — — 
Total residential spec homes$2 $5,079 $2,492 $— $— $1,353 $4,190 $13,116 
Gross charge–offs during period$— $— $— $— $— $— $— $— 
Development & spec land
Pass$2,248 $1,490 $1,104 $420 $259 $3,237 $17,700 $26,458 
Special Mention— — — — — — — — 
Substandard— — — — — 172 740 912 
Doubtful— — — — — — — — 
Total development & spec land$2,248 $1,490 $1,104 $420 $259 $3,409 $18,440 $27,370 
Gross charge–offs during period$— $— $— $— $— $— $— $— 
Commercial & industrial
Pass$61,878 $196,956 $120,922 $26,908 $29,299 $141,602 $48,926 $626,491 
Special Mention1,542 774 307 2,056 384 7,219 900 13,182 
Substandard20 758 279 19 459 1,897 3,889 7,321 
Doubtful— — — — — — — — 
Total commercial & industrial$63,440 $198,488 $121,508 $28,983 $30,142 $150,718 $53,715 $646,994 
Gross charge–offs during period$— $33 $— $48 $8 $126 $— $215 
June 30, 202320232022202120202019PriorRevolving LoansTotal
Real estate
Residential mortgage
Performing$22,221 $118,296 $161,911 $88,172 $32,007 $196,059 $— $618,666 
Non–performing— 872 773 283 748 5,492 — 8,168 
Total residential mortgage$22,221 $119,168 $162,684 $88,455 $32,755 $201,551 $— $626,834 
Gross charge–offs during period$— $— $— $— $— $4 $— $4 
Residential construction
Performing$— $— $— $— $— $— $47,917 $47,917 
Non–performing— — — — — — — — 
Total residential construction$— $— $— $— $— $— $47,917 $47,917 
Gross charge–offs during period$— $— $— $— $— $— $— $— 
Mortgage warehouse
Performing$— $— $— $— $— $— $82,345 $82,345 
Non–performing— — — — — — — — 
Total mortgage warehouse$— $— $— $— $— $— $82,345 $82,345 
Gross charge–offs during period$— $— $— $— $— $— $— $— 
June 30, 202320232022202120202019PriorRevolving LoansTotal
Consumer
Direct installment
Performing$8,779 $17,042 $10,349 $5,605 $6,052 $6,967 $9 $54,803 
Non–performing— 4 46 — 13 48 — 111 
Total direct installment$8,779 $17,046 $10,395 $5,605 $6,065 $7,015 $9 $54,914 
Gross charge–offs during period$1 $6 $4 $7 $— $15 $— $33 
Indirect installment
Performing$66,271 $225,370 $98,309 $46,875 $24,319 $15,337 $— $476,481 
Non–performing41 380 569 170 167 130 — 1,457 
Total indirect installment$66,312 $225,750 $98,878 $47,045 $24,486 $15,467 $— $477,938 
Gross charge–offs during period$35 $582 $227 $65 $27 $31 $— $967 
Home equity
Performing$55,974 $192,816 $75,132 $34,950 $23,844 $73,616 $9,603 $465,935 
Non–performing— 617 16 61 137 951 2,316 4,098 
Total home equity$55,974 $193,433 $75,148 $35,011 $23,981 $74,567 $11,919 $470,033 
Gross charge–offs during period$— $12 $— $— $— $2 $— $14 
The following tables present loans by credit grades and origination year at December 31, 2022.
December 31, 202220222021202020192018PriorRevolving LoansTotal
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 & industrial$207,737 $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 LoansTotal
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 LoansTotal
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 equity$160,232 $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