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Loans (Tables)
 9 Months Ended
Sep. 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 September 30, 2023 and December 31, 2022:
September 30,
2023		December 31,
2022
Commercial
Owner occupied real estate$630,125 $594,562 
Non–owner occupied real estate1,244,371 1,187,077 
Residential spec homes12,414 10,838 
Development & spec land29,146 27,358 
Commercial and industrial673,188 647,587 
Total commercial2,589,244 2,467,422 
Real estate
Residential mortgage649,996 612,551 
Residential construction25,403 40,741 
Mortgage warehouse65,923 69,529 
Total real estate741,322 722,821 
Consumer
Direct installment54,399 56,614 
Indirect installment439,922 500,549 
Home equity534,115 410,592 
Total consumer1,028,436 967,755 
Total loans4,359,002 4,157,998 
Allowance for credit losses(49,699)(50,464)
Net loans$4,309,303 $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 September 30, 2023:

September 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$2,213 $— $2,213 $2,213 
Non–owner occupied real estate3,573 — 3,573 1,275 
Residential spec homes— — — — 
Development & spec land641 — 641 641 
Commercial and industrial492 50 542 243 
Total commercial6,919 50 6,969 4,372 
Real estate
Residential mortgage7,644 133 7,777 7,777 
Residential construction— — — — 
Mortgage warehouse— — — — 
Total real estate7,644 133 7,777 7,777 
Consumer
Direct installment132 — 132 132 
Indirect installment972 209 1,181 1,181 
Home equity3,389 — 3,389 3,389 
Total consumer4,493 209 4,702 4,702 
Total$19,056 $392 $19,448 $16,851 
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 $19.1 million at September 30, 2023:
September 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$631,843 $— $— $— $— $631,843 
Non–owner occupied real estate1,235,352 1,515 — — 1,515 1,236,867 
Residential spec homes12,414 — — — — 12,414 
Development & spec land28,505 — — — — 28,505 
Commercial and industrial672,131 390 125 50 565 672,696 
Total commercial2,580,245 1,905 125 50 2,080 2,582,325 
Real estate
Residential mortgage639,987 1,796 436 133 2,365 642,352 
Residential construction25,403 — — — — 25,403 
Mortgage warehouse65,923 — — — — 65,923 
Total real estate731,313 1,796 436 133 2,365 733,678 
Consumer
Direct installment53,848 418 1 — 419 54,267 
Indirect installment432,498 5,543 700 209 6,452 438,950 
Home equity528,561 2,088 77 — 2,165 530,726 
Total consumer1,014,907 8,049 778 209 9,036 1,023,943 
Total$4,326,465 $11,750 $1,339 $392 $13,481 $4,339,946 
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.
September 30, 2023
Real EstateAccounts Receivable/EquipmentOtherTotalACL
Allocation
Commercial
Owner occupied real estate$2,743 $— $— $2,743 $— 
Non–owner occupied real estate3,828 — — 3,828 789 
Development & spec land641 — — 641 — 
Commercial and industrial— 467 25 492 299 
Total commercial7,212 467 25 7,704 1,088 
Total collateral dependent loans$7,212 $467 $25 $7,704 $1,088 
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 September 30, 2023.
September 30, 202320232022202120202019PriorRevolving Term LoansRevolving LoansTotal
Commercial
Owner occupied real estate
Pass$53,302 $100,237 $76,376 $45,263 $43,194 $185,182 $89,316 $10,534 $603,404 
Special Mention— 494 2,300 — 1,869 4,427 — — 9,090 
Substandard— 502 6,550 968 230 8,851 530 — 17,631 
Doubtful— — — — — — — — — 
Total owner occupied real estate$53,302 $101,233 $85,226 $46,231 $45,293 $198,460 $89,846 $10,534 $630,125 
Gross charge–offs during period$— $— $— $— $— $3 $229 $— $232 
Non–owner occupied real estate
Pass$100,630 $221,897 $165,258 $105,564 $84,773 $308,926 $195,691 $9,153 $1,191,892 
Special Mention— — 1,355 257 855 43,471 — — 45,938 
Substandard— — — 200 — 6,341 — — 6,541 
Doubtful— — — — — — — — — 
Total non–owner occupied real estate$100,630 $221,897 $166,613 $106,021 $85,628 $358,738 $195,691 $9,153 $1,244,371 
Gross charge–offs during period$— $— $— $— $— $9 $— $— $9 
Residential spec homes
Pass$— $— $499 $— $— $— $5,282 $6,633 $12,414 
Special Mention— — — — — — — — — 
Substandard— — — — — — — — — 
Doubtful— — — — — — — — — 
Total residential spec homes$— $— $499 $— $— $— $5,282 $6,633 $12,414 
Gross charge–offs during period$— $— $— $— $— $— $— $— $— 
Development & spec land
Pass$2,483 $1,483 $1,029 $405 $253 $3,077 $18,001 $192 $26,923 
Special Mention— — — — — — 1,376 — 1,376 
Substandard— — — — — 107 740 — 847 
Doubtful— — — — — — — — — 
Total development & spec land$2,483 $1,483 $1,029 $405 $253 $3,184 $20,117 $192 $29,146 
Gross charge–offs during period$— $— $— $— $— $— $— $— $— 
Commercial & industrial
Pass$84,871 $160,710 $99,659 $14,961 $22,595 $63,195 $52,741 $151,850 $650,582 
Special Mention898 736 303 1,637 141 1,027 2,239 5,560 12,541 
Substandard1,585 733 249 302 35 1,517 3,811 1,833 10,065 
Doubtful— — — — — — — — — 
Total commercial & industrial$87,354 $162,179 $100,211 $16,900 $22,771 $65,739 $58,791 $159,243 $673,188 
Gross charge–offs during period$— $32 $— $47 $25 $57 $119 $— $280 
September 30, 202320232022202120202019PriorRevolving Term LoansRevolving LoansTotal
Real estate
Residential mortgage
Performing$28,673 $146,772 $162,167 $87,164 $31,513 $185,930 $— $— $642,219 
Non–performing— 1,386 766 263 751 4,611 — — 7,777 
Total residential mortgage$28,673 $148,158 $162,933 $87,427 $32,264 $190,541 $— $— $649,996 
Gross charge–offs during period$— $— $— $— $— $19 $— $— $19 
Residential construction
Performing$— $— $— $— $— $— $25,403 $— $25,403 
Non–performing— — — — — — — — — 
Total residential construction$— $— $— $— $— $— $25,403 $— $25,403 
Gross charge–offs during period$— $— $— $— $— $— $— $— $— 
Mortgage warehouse
Performing$— $— $— $— $— $— $— $65,923 $65,923 
Non–performing— — — — — — — — — 
Total mortgage warehouse$— $— $— $— $— $— $— $65,923 $65,923 
Gross charge–offs during period$— $— $— $— $— $— $— $— $— 
September 30, 202320232022202120202019PriorRevolving Term LoansRevolving LoansTotal
Consumer
Direct installment
Performing$12,518 $14,672 $9,177 $4,853 $5,172 $5,622 $11 $2,242 $54,267 
Non–performing— 47 41 — 9 35 — — 132 
Total direct installment$12,518 $14,719 $9,218 $4,853 $5,181 $5,657 $11 $2,242 $54,399 
Gross charge–offs during period$10 $27 $4 $10 $2 $14 $6 $— $73 
Indirect installment
Performing$68,343 $208,336 $89,229 $41,267 $20,287 $11,279 $— $— $438,741 
Non–performing39 480 260 170 115 117 — — 1,181 
Total indirect installment$68,382 $208,816 $89,489 $41,437 $20,402 $11,396 $— $— $439,922 
Gross charge–offs during period$54 $942 $518 $115 $51 $48 $— $— $1,728 
Home equity
Performing$21,750 $22,633 $3,611 $2,617 $4,127 $10,841 $11,687 $453,460 $530,726 
Non–performing— 140 — 55 134 689 2,371 — 3,389 
Total home equity$21,750 $22,773 $3,611 $2,672 $4,261 $11,530 $14,058 $453,460 $534,115 
Gross charge–offs during period$— $10 $— $103 $— $15 $12 $— $140 
The following tables present loans by credit grades and origination year at December 31, 2022.
December 31, 202220222021202020192018PriorRevolving Term LoansRevolving LoansTotal
Commercial
Owner occupied real estate
Pass$101,713 $78,352 $50,363 $49,584 $38,068 $166,813 $76,493 $5,163 $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$102,729 $85,282 $51,346 $50,425 $41,184 $178,981 $79,452 $5,163 $594,562 
Non–owner occupied real estate
Pass$183,862 $173,971 $134,394 $91,359 $57,345 $303,174 $182,681 $11,851 $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$183,862 $175,386 $134,905 $92,242 $100,116 $306,034 $182,681 $11,851 $1,187,077 
Residential spec homes
Pass$— $779 $— $— $— $— $4,333 $5,626 $10,738 
Special Mention— — — — — — — — — 
Substandard— — — — — — 100 — 100 
Doubtful— — — — — — — — — 
Total residential spec homes$— $779 $— $— $— $— $4,433 $5,626 $10,838 
Development & spec land
Pass$1,586 $1,230 $449 $270 $5 $9,717 $13,008 $22 $26,287 
Special Mention— — — — — 145 — — 145 
Substandard— — — — — 178 748 — 926 
Doubtful— — — — — — — — — 
Total development & spec land$1,586 $1,230 $449 $270 $5 $10,040 $13,756 $22 $27,358 
Commercial & industrial
Pass$174,482 $118,498 $20,939 $28,383 $28,061 $49,339 $49,276 $159,017 $627,995 
Special Mention718 368 31 53 706 1,551 — 1,208 4,635 
Substandard— 228 2,216 83 1,293 1,648 2,322 7,167 14,957 
Doubtful— — — — — — — — — 
Total commercial & industrial$175,200 $119,094 $23,186 $28,519 $30,060 $52,538 $51,598 $167,392 $647,587 
Total commercial$463,377 $381,771 $209,886 $171,456 $171,365 $547,593 $331,920 $190,054 $2,467,422 
December 31, 202220222021202020192018PriorRevolving Term LoansRevolving LoansTotal
Real estate
Residential mortgage
Performing$107,224 $157,387 $91,314 $33,768 $36,147 $178,588 $— $— $604,428 
Non–performing— 493 285 623 631 6,091 — — 8,123 
Total residential mortgage$107,224 $157,880 $91,599 $34,391 $36,778 $184,679 $— $— $612,551 
Residential construction
Performing$— $— $— $— $— $— $40,741 $— $40,741 
Non–performing— — — — — — — — — 
Total residential construction$— $— $— $— $— $— $40,741 $— $40,741 
Mortgage warehouse
Performing$— $— $— $— $— $— $— $69,529 $69,529 
Non–performing— — — — — — — — — 
Total mortgage warehouse$— $— $— $— $— $— $— $69,529 $69,529 
Total real estate$107,224 $157,880 $91,599 $34,391 $36,778 $184,679 $40,741 $69,529 $722,821 
December 31, 202220222021202020192018PriorRevolving Term LoansRevolving LoansTotal
Consumer
Direct installment
Performing$18,935 $12,233 $7,182 $7,582 $3,939 $4,419 $9 $2,151 $56,450 
Non–performing— 50 13 65 25 11 — — 164 
Total direct installment$18,935 $12,283 $7,195 $7,647 $3,964 $4,430 $9 $2,151 $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$26,232 $3,820 $3,355 $4,964 $5,392 $9,463 $7,089 $346,822 $407,137 
Non–performing108 16 19 140 152 1,077 1,943 — 3,455 
Total home equity$26,340 $3,836 $3,374 $5,104 $5,544 $10,540 $9,032 $346,822 $410,592 
Total consumer$304,748 $135,249 $70,841 $47,508 $28,671 $22,724 $9,041 $348,973 $967,755