ACNB CORP, 10-Q filed on 5/9/2025
Quarterly Report
v3.25.1
Cover Page - shares
 3 Months Ended
Mar. 31, 2025
May 01, 2025
Cover [Abstract]    
Document Type 10-Q  
Document Quarterly Report true  
Document Period End Date Mar. 31, 2025  
Document Transition Report false  
Entity File Number 1-35015  
Entity Registrant Name ACNB CORPORATION  
Entity Incorporation, State or Country Code PA  
Entity Tax Identification Number 23-2233457  
Entity Address, Address Line One 16 Lincoln Square  
Entity Address, City or Town Gettysburg  
Entity Address, State or Province PA  
Entity Address, Postal Zip Code 17325  
City Area Code 717  
Local Phone Number 334-3161  
Title of 12(b) Security Common Stock, $2.50 par value per share  
Trading Symbol ACNB  
Security Exchange Name NASDAQ  
Entity Current Reporting Status Yes  
Entity Interactive Data Current Yes  
Entity Filer Category Accelerated Filer  
Entity Small Business false  
Entity Emerging Growth Company false  
Document Shell Company Report false  
Entity Common Stock, Shares Outstanding   10,473,686
Entity Central Index Key 0000715579  
Current Fiscal Year End Date --12-31  
Document Fiscal Year Focus 2025  
Document Fiscal Period Focus Q1  
Amendment Flag false  
v3.25.1
CONSOLIDATED STATEMENTS OF CONDITION (UNAUDITED) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
ASSETS    
Cash and due from banks $ 23,422 $ 16,352
Interest-bearing deposits with banks 100,141 30,910
Total Cash and Cash Equivalents 123,563 47,262
Equity securities with readily determinable fair values 933 919
Investment securities available for sale, at estimated fair value 455,819 393,975
Investment securities held to maturity, at amortized cost (fair value $56,219, $56,924) 64,554 64,578
Loans held for sale 21,413 426
Total loans, net of unearned income 2,322,209 1,682,910
Allowance for credit losses (24,646) (17,280)
Loans, net 2,297,563 1,665,630
Premises and equipment, net 32,398 25,454
Right of use asset 5,440 2,663
Restricted investment in bank stocks 13,560 10,853
Investment in bank-owned life insurance 98,814 81,850
Investments in low-income housing partnerships 846 877
Goodwill 64,449 44,185
Intangible assets, net 25,835 7,838
Foreclosed assets held for resale 438 438
Other assets 64,416 47,882
Total assets 3,270,041 2,394,830
Deposits:    
Noninterest-bearing 562,700 451,503
Interest-bearing 1,977,309 1,340,998
Total deposits 2,540,009 1,792,501
Short-term borrowings 44,188 15,826
Long-term borrowings 255,343 255,333
Lease liability 5,790 2,764
Allowance for unfunded commitments 1,883 1,394
Other liabilities 35,945 23,739
Total Liabilities 2,883,158 2,091,557
Stockholders’ Equity:    
Preferred Stock, $2.50 par value; 20,000,000 shares authorized; no shares outstanding at September 30, 2024 and December 31, 2023 0 0
Common stock, $2.50 par value; 20,000,000 shares authorized; 11,011,051 and 8,945,293 shares issued; 10,543,671 and 8,553,785 shares outstanding at March 31, 2025 and December 31, 2024, respectively 27,521 22,357
Treasury stock, at cost 467,380 and 391,508 shares at March 31, 2025 and December 31, 2024, respectively (14,309) (11,203)
Additional paid-in capital 178,011 99,163
Retained earnings 230,978 234,624
Accumulated other comprehensive loss (35,318) (41,668)
Total Stockholders’ Equity 386,883 303,273
Total Liabilities and Stockholders’ Equity $ 3,270,041 $ 2,394,830
v3.25.1
CONSOLIDATED STATEMENTS OF CONDITION (UNAUDITED) (Parenthetical) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Statement of Financial Position [Abstract]    
Securities held to maturity, fair value $ 56,219 $ 56,924
Preferred stock, par value (in dollars per share) $ 2.50 $ 2.50
Preferred stock, shares authorized (in shares) 20,000,000 20,000,000
Preferred stock, shares outstanding (in shares) 0 0
Common stock, par value (in dollars per share) $ 2.50 $ 2.50
Common stock, shares authorized (in shares) 20,000,000 20,000,000
Common stock, shares issued (in shares) 11,011,051 8,945,293
Common stock, shares outstanding (in shares) 10,543,671 8,553,785
Treasury stock, shares (in shares) 467,380 391,508
v3.25.1
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Loans, including fees:    
Taxable $ 31,676 $ 21,470
Tax-exempt 292 319
Investment Securities:    
Taxable 2,902 2,911
Tax-exempt 288 284
Dividends 340 240
Other 792 750
Total Interest and Dividend Income 36,290 25,974
INTEREST EXPENSE    
Deposits 5,996 2,160
Short-term borrowings 294 339
Long-term borrowings 2,910 2,882
Total Interest Expense 9,200 5,381
Net Interest Income 27,090 20,593
Provision for credit losses 5,488 72
Net Interest Income after Provisions for (Reversal of) Credit Losses and Unfunded Commitments 21,602 20,521
NONINTEREST INCOME    
Insurance commissions 2,147 2,115
Earnings on investment in bank-owned life insurance 580 477
Gain on life insurance proceeds 254 0
Net gains on sales or calls of investment securities 0 69
Net gains (losses) on equity securities 14 (10)
Other 349 196
Total Noninterest Income 7,184 5,667
NONINTEREST EXPENSES    
Salaries and employee benefits 12,861 11,168
Equipment 2,280 1,729
Net occupancy 1,442 1,130
Professional services 577 616
FDIC and regulatory 401 375
Other tax 527 370
Intangible assets amortization 857 321
Merger-related 8,031 0
Other 2,359 1,953
Total Noninterest Expenses 29,335 17,662
(Loss) Income Before Income Taxes (549) 8,526
Income tax (benefit) expense (277) 1,758
Net (Loss) Income $ (272) $ 6,768
PER SHARE DATA    
Basic (loss) earnings (in dollars per share) $ (0.03) $ 0.80
Diluted (loss) earnings (in dollars per share) $ (0.03) $ 0.80
Weighted average shares of common stock outstanding, basic (in shares) 9,806,299 8,493,104
Weighted average shares of common stock outstanding, diluted (in shares) 9,823,475 8,511,648
Financing Receivable Excluding Unfunded Commitments    
INTEREST EXPENSE    
Provision for credit losses $ 5,968 $ 223
Unfunded Loan Commitment    
INTEREST EXPENSE    
Provision for credit losses (480) (151)
ATM debit card charges    
NONINTEREST INCOME    
Revenue from contract with customer, excluding assessed tax 831 819
Service charges on deposits    
NONINTEREST INCOME    
Revenue from contract with customer, excluding assessed tax 1,094 991
Wealth management    
NONINTEREST INCOME    
Revenue from contract with customer, excluding assessed tax 1,060 962
Gain from mortgage loans held for sale    
NONINTEREST INCOME    
Revenue from contract with customer, excluding assessed tax $ 855 $ 48
v3.25.1
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Statement of Comprehensive Income [Abstract]    
NET (LOSS) INCOME $ (272) $ 6,768
INVESTMENT SECURITIES    
Unrealized gains (losses) arising during the period, net of income tax expense (benefit) of $1,800 and $(644), respectively 6,157 (2,198)
Reclassification adjustment for net AFS investment securities gains included in net income, net of income tax expense of $0 and $16, respectively 0 53
Total unrealized gain (loss) on AFS investment securities 6,157 (2,145)
Amortization of unrealized losses on AFS investment securities transferred to HTM, net of income taxes of $56 and $63, respectively 193 215
PENSION    
Amortization of pension net loss, net of income tax expense of $0 and $4, respectively 0 15
TOTAL OTHER COMPREHENSIVE INCOME (LOSS) 6,350 (1,915)
TOTAL COMPREHENSIVE INCOME $ 6,078 $ 4,853
v3.25.1
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) (Parenthetical) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Statement of Comprehensive Income [Abstract]    
SECURITIES: Unrealized gains (losses) arising during the period, income taxes $ 1,800 $ (644)
SECURITIES: Reclassification adjustment for gains included in net income, income taxes 0 16
SECURITIES: Amortization of unrealized losses on securities transferred to held to maturity, income taxes 56 63
PENSION: Amortization of pension net loss, transition liability, and prior service cost, income taxes $ 0 $ 4
v3.25.1
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) - USD ($)
$ in Thousands
Total
Common Stock
Treasury Stock
Additional Paid-in Capital
Retained Earnings
Accumulated Other Comprehensive Loss
Beginning balance at Dec. 31, 2023 $ 277,461 $ 22,231 $ (10,954) $ 97,602 $ 213,491 $ (44,909)
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net (loss) income 6,768       6,768  
Other comprehensive income (loss), net of taxes (1,915)         (1,915)
Common stock shares issued 174 13   161    
Repurchased shares (147)   (147)      
Restricted stock grants, net of forfeitures and withheld for taxes (408) 71   (479)    
Compensation expense for restricted shares 534     534    
Cash dividends declared (2,547)       (2,547)  
Ending balance at Mar. 31, 2024 279,920 $ 22,315 (11,101) 97,818 217,712 (46,824)
Common Stock, Shares, Outstanding, Ending Balance at Mar. 31, 2024   8,539,575        
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Common stock shares issued (in shares)   4,898        
Common stock shares repurchased (in shares)   (4,200)        
Restricted stock grants, net of forfeitures and withheld for taxes (in shares)   27,424        
Common stock shares repurchased (in shares)   4,200        
Common Stock, Shares, Outstanding, Beginning Balance at Dec. 31, 2023   8,511,453        
Beginning balance at Dec. 31, 2024 303,273 $ 22,357 (11,203) 99,163 234,624 (41,668)
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net (loss) income (272)       (272)  
Other comprehensive income (loss), net of taxes 6,350         6,350
Stock Issued During Period, Value, Acquisitions 83,649 5,088   78,561    
Common stock shares issued 267 16   251    
Repurchased shares (3,106)   (3,106)      
Restricted stock grants, net of forfeitures and withheld for taxes (516) 60   (576)    
Compensation expense for restricted shares 612     612    
Cash dividends declared (3,374)       (3,374)  
Ending balance at Mar. 31, 2025 $ 386,883 $ 27,521 $ (14,309) $ 178,011 $ 230,978 $ (35,318)
Common Stock, Shares, Outstanding, Ending Balance at Mar. 31, 2025 10,543,671 10,543,671        
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Stock Issued During Period, Shares, Acquisitions   2,035,246        
Common stock shares issued (in shares)   6,470        
Common stock shares repurchased (in shares)   (75,872)        
Restricted stock grants, net of forfeitures and withheld for taxes (in shares)   24,042        
Common stock shares repurchased (in shares)   75,872        
Common Stock, Shares, Outstanding, Beginning Balance at Dec. 31, 2024 8,553,785 8,553,785        
v3.25.1
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) (Parenthetical) - $ / shares
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Statement of Stockholders' Equity [Abstract]    
Cash dividends declared (in dollars per share) $ 0.32 $ 0.30
v3.25.1
CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Dec. 31, 2024
CASH FLOWS FROM OPERATING ACTIVITIES      
Net (loss) income $ (272) $ 6,768  
Adjustments to reconcile net (loss) income to net cash (used in) provided by operating activities:      
Gain on sales of loans originated for sale (855) (48)  
Earnings on investment in bank-owned life insurance (580) (477)  
Gain on life insurance proceeds (254) 0  
Gain on sales or calls of securities 0 (69)  
(Gain) loss on equity securities (14) 10 $ 9
Restricted stock compensation expense 612 534  
Depreciation and amortization 1,445 766  
Provision for credit losses and unfunded commitments 5,488 72  
Net amortization of investment securities premiums 385 414  
Increase in interest receivable (615) (60)  
Increase in interest payable 69 682  
Mortgage loans originated for sale (26,749) (1,820)  
Proceeds from sales of loans originated for sale 19,129 2,060  
(Increase) decrease in other assets (2,771) 3,589  
Decrease (increase) in deferred tax asset 798 (222)  
Increase (decrease) in other liabilities 4,113 (1,381)  
Net Cash (Used in) Provided by Operating Activities (71) 10,818  
CASH FLOWS FROM INVESTING ACTIVITIES      
Proceeds from calls/maturities of investment securities held to maturity 171 184  
Proceeds from calls/maturities of investment securities available for sale 6,668 9,225  
Proceeds from sales of investment securities available for sale 97,883 14,336  
Purchase of investment securities available for sale (61,055) 0  
Redemption (purchase) of restricted investment in bank stocks 616 (1,200)  
Net decrease (increase) in loans 9,097 (37,012)  
Net cash and cash equivalents received from acquisition (36,206) 0  
Capital expenditures (659) (78)  
Net Cash Provided by (Used in) Investing Activities 88,927 (14,545)  
CASH FLOWS FROM FINANCING ACTIVITIES      
Net increase (decrease) in noninterest-bearing deposits 825 (749)  
Net increase (decrease) in interest-bearing deposits 5,175 (25,840)  
Net increase (decrease) in short-term borrowings 28,362 (39,579)  
Proceeds from long-term borrowings 0 60,000  
Repayments on long-term borrowings (40,188) 0  
Dividends paid (3,374) (2,547)  
Common stock repurchased (3,106) (147)  
Common stock issued, net of restricted stock forfeitures and withheld for taxes (249) (234)  
Net Cash Used In Financing Activities (12,555) (9,096)  
Net Increase (Decrease) in Cash and Cash Equivalents 76,301 (12,823)  
CASH AND CASH EQUIVALENTS — BEGINNING 47,262 65,958 65,958
CASH AND CASH EQUIVALENTS — ENDING 123,563 53,135 $ 47,262
Supplemental disclosures of cash flow information      
Cash paid for interest 7,718 5,321  
Cash paid for income taxes 6 0  
Supplemental disclosures of certain noncash activities:      
Recognition of Operating Lease Right of Use Assets, Noncash 183 0  
Lease Obligation Incurred 183 0  
Fair Value of Assets Acquired 877,557 0  
Liabilities Assumed 793,908 0  
Common shares issued $ 83,649 $ 0  
v3.25.1
Basis of Presentation and Nature of Operations
 3 Months Ended
Mar. 31, 2025
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Basis of Presentation and Nature of Operations Basis of Presentation and Nature of Operations
ACNB Corporation, headquartered in Gettysburg, Pennsylvania, provides banking, wealth management, mortgage and insurance services to businesses and consumers through its wholly-owned subsidiaries, ACNB Bank and ACNB Insurance Services. The Bank engages in full-service commercial and consumer banking and wealth management services, including trust and retail brokerage, through its 33 community banking offices, including 24 community banking office locations in Adams, Cumberland, Franklin, Lancaster and York Counties, Pennsylvania, and nine community banking office locations in Carroll and Frederick Counties, Maryland. There is also a loan production office in Hunt Valley, Maryland.
Recent Acquisition
Effective February 1, 2025, ACNB closed the acquisition of Traditions Bancorp, Inc., holding company for Traditions Bank, York, Pennsylvania. Traditions was merged with and into a wholly-owned subsidiary of ACNB Corporation immediately followed by the merger of Traditions Bank with and into ACNB Bank. ACNB Bank is operating the former Traditions Bank offices as “Traditions Bank, A Division of ACNB Bank”. Traditions Bank operated eight community banking offices in South Central Pennsylvania which were included in the Acquisition. In April 2025, ACNB closed two of the eight Traditions Bank branches.
ACNB Insurance Services is a full-service insurance agency based in Westminster, Maryland, with additional locations in Jarrettsville, Maryland, and Gettysburg, Pennsylvania. The agency offers a broad range of property, casualty, health, life and disability insurance to both individual and commercial clients.
The accompanying unaudited Consolidated Financial Statements have been prepared in accordance with GAAP for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. The preparation of financial statements in accordance with GAAP requires management to make estimates and assumptions that affect the amounts of assets and liabilities as of the date of the financial statements as well as revenues and expenses during the period. Actual results could differ from those estimates. In the opinion of management, the accompanying unaudited Consolidated Financial Statements contain all adjustments necessary for a fair presentation. All such adjustments are of a normal recurring nature. These Consolidated Financial Statements should be read in conjunction with the audited Consolidated Financial Statements and the notes included in the Corporation’s Annual Report on Form 10-K for the year ended December 31, 2024. The Corporation evaluates subsequent events through the filing date of this Form 10-Q with the SEC. The results of operations for the three month periods ended March 31, 2025, are not necessarily indicative of the results to be expected for the full year.
Certain reclassifications have been made to the prior period financial statements to conform to the current period presentation. Reclassifications had no material effect on prior year net income or stockholders’ equity.
Significant Accounting Policies
The significant accounting policies used in preparation of the Consolidated Financial Statements are disclosed in the Corporation’s 2024 Annual Report on Form 10-K. Those significant accounting policies are unchanged at March 31, 2025 with the exception of the following modifications or additions:
Loans Held for Sale
The Corporation previously elected to measure loans originated and intended for sale in the secondary market at the lower of aggregate cost or fair value. Net unrealized losses were recognized through a valuation allowance by charges to income. During the first quarter of 2025, management made the decision to measure loans held for sale at fair value to more appropriately reflect the performance of its entire mortgage banking activities in its Consolidated Financial Statements. The impact of the change in accounting policy for prior periods presented was deemed to be immaterial. Derivative financial instruments related to mortgage banking activities are also recorded at fair value, as detailed under the header “Derivative Financial Instruments and Hedging Activities” below and in Note 9, “Derivative Financial Instruments.” Changes in the fair value of loans held for sale and derivative financial instruments related to mortgage banking during the period are recorded as components of gain from mortgage loans held for sale on the Consolidated Statements of (Loss) Income. Interest income earned on mortgage loans held for sale is classified within interest income on the Consolidated Statements of (Loss) Income.
Derivative Instruments and Hedging Activities
FASB ASC 815, Derivatives and Hedging, provides the disclosure requirements for derivatives and hedging activities with the intent to provide users of financial statements with an enhanced understanding of: (a) how and why an entity uses derivative instruments, (b) how the entity accounts for derivative instruments and related hedged items, and (c) how derivative instruments
and related hedged items affect an entity’s financial position, financial performance, and cash flows. Further, qualitative disclosures are required that explain the Corporation’s objectives and strategies for using derivatives, as well as quantitative disclosures about the fair value of and gains and losses on derivative instruments, and disclosures about credit-risk-related contingent features in derivative instruments.
The Corporation records all derivatives on the balance sheet at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Corporation has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge. The Corporation may enter into derivative contracts that are intended to economically hedge certain of its risk, even though hedge accounting does not apply or the Corporation elects not to apply hedge accounting.
Acquisition Accounting
The Corporation accounts for its mergers and acquisitions using the acquisition method of accounting, in accordance with the provisions of ASC 805 - Business Combinations. Under ASC 805, assets acquired and liabilities assumed in a business combination are at acquisition date fair value and transaction costs and restructuring costs associated with the business combination are expensed as incurred. The determination of fair values involves significant judgment regarding methods and assumptions, including discount rates, future expected cash flows, market conditions and other future events. The excess of the merger consideration over the fair value of assets acquired and liabilities assumed, if any, is allocated to goodwill. The results of operations of the acquired entity are included in the consolidated statements of operations from the Acquisition date. In accordance with business combination accounting guidance, the Company's review of the fair values of the assets and liabilities acquired is ongoing, with management evaluating these fair values for up to one year following the Acquisition date. Adjustments would be recorded to goodwill in the period in which they were determined.
Accounting Standards Pending Adoption
In December 2023, the FASB issued ASU 2023-09, “Income Taxes (Topic 740)”. This ASU is intended to improve the disclosures for income taxes to address requests from investors, lenders, creditors and other allocators of capital that use the financial statements to make capital allocation decisions. The amendments in ASU 2023-09 will require consistent categories and greater disaggregation of information in the rate reconciliation disclosure as well as disclosure of income taxes paid disaggregated by jurisdiction. The amendments of ASU 2023-09 are effective for annual periods beginning after December 15, 2024, and early adoption is permitted for annual financial statements that have not yet been issued or made available for issuance. The Corporation intends to adopt the amendments of ASU 2023-09 effective January 1, 2025, and will include the required disclosures in its Annual Report on Form 10-K for the year ending December 31, 2025. The Corporation is currently evaluating the impact of this standard, and believes that its adoption will not have a material impact on the Corporation’s Consolidated Financial Statements.
In November 2024, the FASB issued ASU 2024-03, “Disaggregation of Income Statement Expenses (Subtopic 220-40)”. This ASU is intended to improve the decision usefulness of expense information on public business entities’ income statements through the disaggregation of relevant expense captions in the notes to the financial statements. The amendments of ASU 2024-03 are effective for annual periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027, and early adoption is permitted. The Corporation is currently evaluating the impact of this standard, and believes that its adoption will not have a material impact on the Corporation’s Consolidated Financial Statements.
v3.25.1
Business Combination
 3 Months Ended
Mar. 31, 2025
Business Combination, Asset Acquisition, and Joint Venture Formation [Abstract]  
Business Combination Business Combination
Effective February 1, 2025, ACNB Corporation completed its acquisition of Traditions Bancorp, Inc., holding company for Traditions Bank, York, Pennsylvania. Traditions was merged with and into a wholly-owned subsidiary of ACNB Corporation immediately followed by the merger of Traditions Bank with and into ACNB Bank. ACNB Bank is operating the former Traditions Bank offices as “Traditions Bank, A Division of ACNB Bank”. In connection with the close of the Acquisition, Traditions stockholders received 0.7300 shares of ACNB Corporation common stock for each share of Traditions common stock that they owned as of the closing date, with cash paid in lieu of fractional shares. ACNB issued 2,035,246 shares of its common stock, and cash in exchange for fractional shares based on $41.10 per whole share of ACNB common stock. The transaction is valued at $83.8 million.
Traditions’ results of operations were included in the ACNB’s results of operations beginning on February 1, 2025. Net interest income and income before income taxes for Traditions were estimated to be $5.9 million and $2.1 million, respectively, since the date of acquisition through March 31, 2025 and is included in the Corporation’s Consolidated Statements of (Loss) Income. ACNB’s financial results for any periods ended prior to February 1, 2025 reflect ACNB on a standalone basis. As a result, ACNB’s financial results for the three months ended March 31, 2025 may not be directly comparable to prior reported periods. Merger-related costs totaled $8.0 million for the three months ended March 31, 2025.
The acquisition method of accounting, in accordance with the provisions of FASB ASC Topic 805, Business Combinations, was used to account for the Acquisition. ACNB recorded the assets and liabilities of Traditions at their respective fair values as of February 1, 2025. Under the acquisition method of accounting, the total merger consideration is allocated to the acquired tangible and intangible assets and assumed liabilities of Traditions based on their estimated fair value as of the acquisition date of the merger. The excess of the merger consideration over the fair value of assets acquired and liabilities assumed, if any, is allocated to goodwill. ACNB recorded goodwill of $20.3 million in connection with the Acquisition, which is not amortized for financial reporting purposes, but is subject to annual impairment testing.
The total merger consideration of $83.8 million is allocated to Traditions’ tangible and intangible assets and liabilities based on their fair values as follows:
(In thousands)Traditions Bancorp, Inc.
Book Value
1/31/2025		Acquisition Accounting AdjustmentsTraditions Bancorp, Inc.
Fair Value
1/31/2025
Consideration
Common stock$83,649 
Cash consideration157
Fair value of total consideration transferred$83,806 
Recognized amounts of identifiable assets acquired and liabilities assumed
Cash and cash equivalents$36,363 $— $36,363 
Investment securities, available for sale98,484 (818)97,666 
Loans held for sale12,512 — 12,512 
Total loans673,805 (25,343)648,462 
Less: Allowance for credit losses(4,045)2,581 (1,464)
Loans, net669,760 (22,762)646,998 
Premises and equipment, net7,235 (362)6,873 
Right of use asset2,932 — 2,932 
Restricted investment in bank stocks3,323 — 3,323 
Investment in bank-owned life insurance16,384 — 16,384 
Core deposit intangibles— 18,854 18,854 
Other assets14,147 1,398 15,545 
Total assets acquired$861,140 $(3,690)$857,450 
Deposits$741,723 $(215)$741,508 
Borrowings40,000 188 40,188 
Lease liability3,125 — 3,125 
Allowance for unfunded commitments118 852 970 
Other liabilities8,158 (41)8,117 
Total liabilities assumed$793,124 $784 $793,908 
Total identifiable net assets$68,016 $(4,474)$63,542 
Goodwill$20,264 
ACNB used an independent valuation specialist to assist with the determination of fair values for certain acquired assets and assumed liabilities. As permitted under GAAP, the Corporation has up to twelve months following the date of the Acquisition to finalize the fair values of the acquired assets and assumed liabilities related to the Acquisition. During this measurement period, ACNB may record subsequent adjustments to goodwill for provisional amounts recorded at the Acquisition date, with provisional merger-related tax adjustments.
ACNB completed, shortly following the Acquisition date, the sale of approximately $98.0 million of Traditions’ investment securities with a yield of 5.03%. With the proceeds from the sale, ACNB paid off $40.2 million of FHLB borrowings with a cost of 4.73% and invested the remainder of the proceeds into investment securities with a yield of 5.07%. The acquisition accounting adjustment on the AFS securities represents the difference between the fair value of the AFS securities as of January
31, 2025 and the final proceeds received as a result of the sales. For the fair value policy see Note 10 – “Fair Value Measurements” in the Notes to Consolidated Financial Statements under Part I, Item I.
ACNB evaluated and classified the acquired loans between non-PCD or PCD. ACNB’s senior credit management team reviewed Traditions’ loan portfolio on a loan-by-loan basis to determine which loans met the definition of an ASC 326-20 PCD loan. PCD loans include loans which experienced more-than-insignificant credit deterioration since origination. PCD loans included loans on nonaccrual status, loans risk-rated pass/watch or worse, COVID-19 loan deferrals, loans more than 90 days past due and still accruing, accruing loans but were more than 60 days past due in the past, accruing loans but were more than 30 days past due more than 3 times in the past and other loans evaluated. The acquisition accounting adjustments for non-PCD loans and PCD loans were $21.6 million and $4.4 million, respectively, on the Acquisition date. Included in the acquisition accounting adjustment for loans was $635 thousand of net deferred income that served to decrease the acquisition accounting adjustment of the loans acquired.
ACNB recorded an allowance for credit losses of $6.9 million at the Acquisition date, comprised of $5.5 million for non-PCD loans, which was recognized through the provision for credit losses, and $1.5 million for accruing PCD loans, which was recognized as an acquisition accounting adjustment to the amortized cost basis of the acquired loans. The following table presents details related to the fair value of acquired PCD loans at the Acquisition date:
(In thousands)Unpaid Principal BalanceTotal Premium/(Discount)Gross Up for PCD Allowance for Credit LossesFair Value of PCD Loans
PCD Accruing$140,053 $(5,359)$1,464 $136,158 
PCD Non-Accruing2,962 (528)— 2,434 
Total PCD Loans$143,015 $(5,887)$1,464 $138,592 
The acquisition accounting adjustment for premises and equipment was $362 thousand at the Acquisition date as a result of updated independent market-based appraisals on real estate and the write-off of obsolete fixed assets.
Pursuant to customer-related intangible assets ASC 805-20-55-13(b), ACNB, with the assistance of an independent valuation specialist, completed a core deposit intangible asset valuation that resulted in a core deposit intangible asset of $18.9 million at the Acquisition date. To establish the core deposit intangible asset, ACNB used a present value analysis that calculated the expected after-tax cash flow benefits of each acquired core deposit type versus the cost of obtaining an alternative source of funding (brokered deposits) over the expected life of each acquired core deposit type, discounted at a long-term market oriented after-tax rate of return. The core deposit intangible asset is amortized based on the sum-of-the-years digits method over the expected life of 10 years.
The acquisition accounting adjustment for other assets was $1.4 million at the Acquisition date driven primarily by a net deferred tax position for each acquisition accounting adjustment. The acquisition accounting adjustment for deposits was $215 thousand at the Acquisition date as a result of acquisition accounting adjustments on certificates of deposits using a present value approach that represents the present value of the certificates’ expected contractual payments discounted by market rates for similar certificates of deposits. The acquisition accounting adjustment for the allowance for unfunded commitments was $852 thousand as a result of applying ACNB’s existing policies, procedures and methodologies in calculating the allowance for Traditions’ unfunded commitments. The acquisition accounting adjustment for other liabilities was $41 thousand at the Acquisition date as a result of the write-off of unearned letter of credit fees.
The following table presents supplemental pro forma information for the three months ended March 31, 2025 and 2024 as if the acquisition had occurred January 1, 2024. The unaudited proforma information includes adjustments for interest income on loans acquired, amortization of core deposit intangibles arising from the transaction, depreciation expense on property acquired, interest expense of deposits acquired, and the related income tax effects. The pro forma financial information is not necessarily indicative of the results of operations that would have occurred had the transactions been effected on the assumed dates. In addition, the unaudited proforma information excludes merger-related expenses and the provision for credit losses on PCD loans at the Acquisition date, and does not reflect management’s estimate of any revenue-enhancing opportunities or anticipated cost savings as a result of the integration:
Three months ended March 31,
(In thousands)20252024
Net interest income$31,148 $28,752 
Net income$11,430 $9,257 
v3.25.1
Earnings Per Share and Restricted Stock
 3 Months Ended
Mar. 31, 2025
Earnings Per Share [Abstract]  
Earnings Per Share and Restricted Stock Earnings Per Share
The Corporation has a simple capital structure. Basic earnings per share of common stock is calculated as net income available to common shareholders divided by the weighted average number of shares outstanding less unvested restricted stock at the end of the period. Diluted earnings per share is calculated as net income available to common shareholders divided by the weighted average number of shares outstanding.
Three Months Ended March 31,
20252024
Weighted average shares outstanding (basic)9,806,299 8,493,104 
Dilutive effect of unvested shares17,176 18,544 
Weighted average shares outstanding (diluted)9,823,475 8,511,648 
Per share:
Basic$(0.03)$0.80 
Diluted(0.03)0.80 
There were no antidilutive instruments at March 31, 2025 and 2024.
Share Repurchase Plan
On October 24, 2022, the Corporation announced that the Board of Directors approved on October 18, 2022, a plan to repurchase, in open market and privately negotiated transactions, up to 255,575, or approximately 3%, of the outstanding shares of the Corporation’s common stock. This new common stock repurchase program replaces and supersedes any and all earlier announced repurchase plans. During the three months ended March 31, 2025 the Corporation repurchased 75,872 shares. There were 143,780 treasury shares purchased under this plan through March 31, 2025.
v3.25.1
Investment Securities
 3 Months Ended
Mar. 31, 2025
Investments, Debt and Equity Securities [Abstract]  
Investment Securities Investment Securities
Fair value of equity securities with readily determinable fair values at March 31, 2025 and December 31, 2024, are as follows:
(In thousands)Fair Value at Beginning of PeriodGains (Losses)Fair Value at End of Period
Three Months Ended March 31, 2025
CRA Mutual Fund$919 $14 $933 
Twelve Months Ended December 31, 2024
CRA Mutual Fund928 (9)919 
$928 $(9)$919 
Amortized cost and fair value of investment securities were as follows:
(In thousands)Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair
Value
March 31, 2025
Available for Sale    
U.S. Government and agencies$159,443 $— $13,795 $145,648 
Collateralized mortgage obligations58,652 131 3,151 55,632 
Residential mortgage-backed securities164,592 51 17,419 147,224 
Commercial mortgage-backed securities81,013 312 4,216 77,109 
Corporate bonds31,825 47 1,666 30,206 
$495,525 $541 $40,247 $455,819 
Held to Maturity
State and municipal$62,985 $— $8,282 $54,703 
Residential mortgage-backed securities1,569 — 53 1,516 
$64,554 $— $8,335 $56,219 
December 31, 2024    
Available for Sale
U.S. Government and agencies$159,799 $— $16,606 $143,193 
Collateralized mortgage obligations39,540 — 3,886 35,654 
Residential mortgage-backed securities159,349 2 20,811 138,540 
Commercial mortgage-backed securities65,350 — 4,565 60,785 
Corporate bonds17,600 — 1,797 15,803 
 $441,638 $2 $47,665 $393,975 
Held to Maturity
State and municipal$62,838 $— $7,586 $55,252 
Residential mortgage-backed securities1,740 — 68 1,672 
$64,578 $— $7,654 $56,924 
The following table shows the Corporation’s investments’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at March 31, 2025, and December 31, 2024:
 Less than 12 Months12 Months or MoreTotal
(In thousands)Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses
March 31, 2025      
Available for Sale      
U.S. Government and agencies$— $— $145,648 $13,795 $145,648 $13,795 
Collateralized mortgage obligations5,702 6 35,162 3,145 40,864 3,151 
Residential mortgage-backed securities2,710 — 134,660 17,419 137,370 17,419 
Commercial mortgage-backed securities1,461 14 28,956 4,202 30,417 4,216 
Corporate bonds— — 15,435 1,666 15,435 1,666 
$9,873 $20 $359,861 $40,227 $369,734 $40,247 
Held to Maturity
State and municipal$— $— $54,703 $8,282 $54,703 $8,282 
Residential mortgage-backed securities— — 1,516 53 1,516 53 
$— $— $56,219 $8,335 $56,219 $8,335 
December 31, 2024
Available for Sale      
U.S. Government and agencies$— $— $143,193 $16,606 $143,193 $16,606 
Collateralized mortgage obligations— — 35,654 3,886 35,654 3,886 
Residential mortgage-backed securities2,692 26 135,626 20,785 138,318 20,811 
Commercial mortgage-backed securities31,860 73 28,925 4,492 60,785 4,565 
Corporate bonds— — 15,803 1,797 15,803 1,797 
 $34,552 $99 $359,201 $47,566 $393,753 $47,665 
Held to Maturity
State and municipal$— $— $55,252 $7,586 $55,252 $7,586 
Residential mortgage-backed securities— — 1,672 68 1,672 68 
$— $— $56,924 $7,654 $56,924 $7,654 

All mortgage-backed securities, and those of a similar asset class, are government-sponsored enterprise pass-through instruments issued by the Federal National Mortgage Association or Federal Home Loan Mortgage Corporation or they are issued by the Government National Mortgage Association which is backed by the U.S. government which guarantees the timely payment of principal on these investments.
The Company evaluates AFS debt securities for impairment in unrealized loss positions at each measurement date to determine whether the decline in the fair value below the amortized cost basis is due to credit-related factors or noncredit-related factors. In estimating credit events, management considers whether it intends to sell the security or if it is more likely than not that it will be required to sell the security before anticipated recovery or if it does not expect to recover the entire amortized cost basis. There was no impairment on AFS debt securities as of March 31, 2025 and December 31, 2024. The Company evaluates HTM debt securities for expected credit losses at each measurement date to determine if an ACL is required. The Corporation did not have an ACL for HTM investment securities as of March 31, 2025 and December 31, 2024.
Amortized cost and fair value at March 31, 2025, by contractual maturity, where applicable, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay with or without penalties. Securities not due at a single maturity date are shown separately.
 Available for SaleHeld to Maturity
(In thousands)Amortized
Cost		Fair
Value		Amortized
Cost		Fair
Value
1 year or less$18,694 $18,413 $— $— 
Over 1 year through 5 years103,172 95,682 4,185 3,755 
Over 5 years through 10 years67,402 60,213 30,375 28,491 
Over 10 years2,007 1,553 28,424 22,457 
Mortgage-backed securities304,250 279,958 1,570 1,516 
 $495,525 $455,819 $64,554 $56,219 

The proceeds from sales and calls of securities and the associated gains and losses are listed below:
Three Months Ended March 31,
(In thousands)20252024
Proceeds from sales$97,883 $14,336 
Proceeds from calls500 1,984 
Gross gains— 87 
Gross losses— 18 

ACNB received $97.7 million in proceeds from the sale of Traditions’ investments subsequent to the Acquisition date.
At March 31, 2025 and December 31, 2024, securities with a carrying value of $171.0 million and $157.3 million, respectively, were pledged as collateral as required by law on public and trust deposits, repurchase agreements, and for other purposes.
v3.25.1
Loans and Allowance for Credit Losses
 3 Months Ended
Mar. 31, 2025
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]  
Loans and Allowance for Credit Losses Loans and Allowance for Credit Losses
 
The following table presents the composition of the loan portfolio:

(In thousands)March 31, 2025December 31, 2024
Commercial real estate$1,254,402 $969,514 
Residential mortgage591,488 401,950 
Commercial and industrial220,774 140,906 
Home equity lines of credit119,085 85,685 
Real estate construction127,663 76,773 
Consumer10,526 9,318 
Gross loans2,323,938 1,684,146 
Unearned income(1,729)(1,236)
Total loans, net of unearned income$2,322,209 $1,682,910 

Loans with a fair value of $648.5 million at the Acquisition date were assumed and included an acquisition accounting adjustment of $25.3 million.
One of the factors used to monitor the performance and credit quality of the loan portfolio is to analyze the age of the loans receivable as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the past due status:
(In thousands)30–59 Days Past Due60–89 Days
Past Due		≥ 90 Days
Past Due		Total Past
Due		CurrentTotal Loans
Receivable		Loans
Receivable
≥ 90 Days
and
Accruing
March 31, 2025
Commercial real estate$245 $— $444 $689 $1,253,713 $1,254,402 $— 
Residential mortgage10,968 1,270 2,506 14,744 576,744 591,488 1,987 
Commercial and industrial12 378 144 534 220,240 220,774 — 
Home equity lines of credit999 72 — 1,071 118,014 119,085 — 
Real estate construction735 — — 735 126,928 127,663 — 
Consumer126 22 — 148 10,378 10,526 — 
Gross Loans$13,085 $1,742 $3,094 $17,921 $2,306,017 $2,323,938 $1,987 
(In thousands)30–59 Days Past Due60–89 Days
Past Due		≥ 90 Days
Past Due		Total Past
Due		CurrentTotal Loans
Receivable		Loans
Receivable
≥ 90 Days
and
Accruing
December 31, 2024
Commercial real estate$763 $527 $314 $1,604 $967,910 $969,514 $— 
Residential mortgage953 987 850 2,790 399,160 401,950 850 
Commercial and industrial437 24 155 616 140,290 140,906 — 
Home equity lines of credit161 — 91 252 85,433 85,685 91 
Real estate construction15 11 — 26 76,747 76,773 — 
Consumer47 18 — 65 9,253 9,318 — 
Gross Loans$2,376 $1,567 $1,410 $5,353 $1,678,793 $1,684,146 $941 
Nonaccrual and Nonperforming Loans
Loans individually evaluated consist of nonaccrual loans, presented in the following table: 
March 31, 2025December 31, 2024
(In thousands)With a Related AllowanceWithout a Related AllowanceTotalWith a Related AllowanceWithout a Related AllowanceTotal
Commercial real estate$295 $3,745 $4,040 $314 $3,250 $3,564 
Residential mortgage— 1,401 1,401 — — — 
Commercial and industrial2,023 590 2,613 2,081 226 2,307 
Home equity lines of credit— 8 8 — — — 
 Total$2,318 $5,744 $8,062 $2,395 $3,476 $5,871 
During the three months ended March 31, 2025, no material amount of interest income was recognized on nonaccrual loans subsequent to their classification as nonaccrual.
Total nonperforming loans are as follows:
(In thousands)March 31, 2025December 31, 2024
Nonaccrual loans$8,062 $5,871 
Greater than or equal to 90 days past due and accruing1,987 941 
Total nonperforming loans$10,049 $6,812 
Collateral-Dependent Loans
A loan is considered to be collateral-dependent when the debtor is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. For all classes of loans deemed collateral-dependent, the Corporation elected the practical expedient to estimate expected credit losses based on the collateral’s fair value less cost to sell. In most cases, the Corporation records a partial charge-off to reduce the collateral-dependent loan’s carrying value to the fair value of the collateral less cost to sell. Substantially all of the collateral supporting collateral-dependent loans consists of various types of real estate, including residential properties, commercial properties, such as retail centers, office buildings, and lodging, agriculture land, and vacant land. Changes in the fair value of the collateral for individually evaluated loans are reported as provision for credit losses or a reversal of provision for credit losses in the period of change.
The following table presents the amortized cost basis of individually evaluated loans by type of collateral as of the periods presented:
March 31, 2025December 31, 2024
(In thousands)Business AssetsReal EstateBusiness AssetsReal Estate
Commercial real estate$— $4,040 $— $3,564 
Residential mortgage— 1,401 — — 
Commercial and industrial2,237 376 2,307 — 
Home equity lines of credit— 8 — — 
Total$2,237 $5,825 $2,307 $3,564 

Consumer residential mortgages and home equity lines of credit which are well secured by residential real estate properties and are in the process of collection are not considered nonaccrual, however, formal foreclosure proceedings are in process. These loans totaled $269 thousand at March 31, 2025 and $373 thousand at December 31, 2024 and are included in nonperforming loans if they are greater than or equal to 90 days past due.

Loan Modifications

The Corporation evaluates all loan restructurings according to the accounting guidance for loan modifications to determine if the restructuring results in a new loan or a continuation of the existing loan. Loan modifications to borrowers experiencing financial difficulty that result in a direct change in the timing or amount of contractual cash flows include situations where there is principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions, or combinations of the above. Therefore, the disclosures related to loan restructurings are only for modifications that directly affect cash flows.

During the three months ended March 31, 2025 and 2024, the Corporation did not modify any loans nor were there any commitments to lend any additional funds on existing modified loans.

The following presents the performance of loans modified in the previous twelve months as of March 31, 2025:

(In thousands)Current30-89 Days Past Due≥ 90 Days
Past Due		Total Past Due
Commercial real estate$2,293 $— $— $— 
Commercial and industrial1,748 — — — 
Total$4,041 $— $— $— 
As of March 31, 2025, the Corporation had no loans that defaulted during the period that had been modified preceding the payment default when the borrower was experiencing financial difficulty at the time of modification. For purposes of this disclosure, a default occurs when, within 12 months of the original modification, either a full or partial charge-off occurs or the loan becomes 90 days or more past due.

Allowance for Credit Losses

The Corporation maintains an ACL at a level determined to be adequate to absorb expected credit losses associated with the Corporation’s financial instruments over the life of those instruments as of the balance sheet date. The ACL consists of loans evaluated collectively and individually for expected credit losses. The Corporation considers the performance of the loan portfolio and its impact on the ACL and does not assign internal risk ratings to smaller balance, homogeneous loans such as certain residential mortgage, home equity lines of credit, construction loans to individuals secured by residential real estate and consumer loans. For these loans, the Corporation evaluates credit quality based on the aging status of the loan and designates as performing and nonperforming.
The following summarizes designated internal risk categories by portfolio segment for loans assigned a risk rating and those evaluated based on the performance status:
March 31, 2025
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost Basis
(In thousands)20252024202320222021PriorTotal
Internally Risk Rated:
Commercial real estate
Pass$16,020 $157,604 $182,846 $217,778 $177,509 $444,223 $16,378 $1,212,358 
Special Mention59 2,022 2,846 2,859 6,091 14,916 1,280 30,073 
Substandard— — — 2,277 338 9,311 45 11,971 
Total Commercial real estate$16,079 $159,626 $185,692 $222,914 $183,938 $468,450 $17,703 $1,254,402 
Residential mortgage
Pass$9,326 $31,536 $37,684 $26,423 $40,031 $60,995 $510 $206,505 
Special Mention239 130 209 165 144 3,129 123 4,139 
Substandard— — 236 185 — 67 — 488 
Total Residential Mortgage$9,565 $31,666 $38,129 $26,773 $40,175 $64,191 $633 $211,132 
Commercial and industrial
Pass$2,533 $21,366 $22,067 $30,510 $40,958 $40,128 $50,366 $207,928 
Special Mention125 157 133 187 166 870 5,234 6,872 
Substandard— — 516 843 302 983 3,330 5,974 
Total Commercial and industrial$2,658 $21,523 $22,716 $31,540 $41,426 $41,981 $58,930 $220,774 
Year-to-date gross charge-offs$— $— $— $— $— $14 $— $14 
Home equity lines of credit
Pass$— $— $292 $90 $33 $338 $7,660 $8,413 
Special Mention— — — — 96 — 723 819 
Substandard— — — — — 6 — 6 
Total Home equity lines of credit$— $— $292 $90 $129 $344 $8,383 $9,238 
Real estate construction
Pass$11,454 $30,501 $24,414 $8,230 $1,762 $826 $5,775 $82,962 
Special Mention— — 44 5,004 — 466 46 5,560 
Substandard— — — — — 59 — 59 
Total Real estate construction$11,454 $30,501 $24,458 $13,234 $1,762 $1,351 $5,821 $88,581 
Performance Rated:
Residential mortgage
Performing$6,358 $32,442 $61,561 $91,411 $43,110 $135,324 $6,763 $376,969 
Nonperforming— 200 123 1,568 157 1,339 — 3,387 
Total Residential Mortgage$6,358 $32,642 $61,684 $92,979 $43,267 $136,663 $6,763 $380,356 
Home equity lines of credit
Performing$— $— $17 $33 $— $2,457 $107,332 $109,839 
Nonperforming— — — — — — 8 8 
Total Home equity lines of credit$— $— $17 $33 $— $2,457 $107,340 $109,847 
Real estate construction
Performing$3,504 $32,111 $723 $1,528 $156 $1,060 $— $39,082 
Total Real estate construction$3,504 $32,111 $723 $1,528 $156 $1,060 $— $39,082 
Consumer
Performing$332 $1,796 $1,341 $1,540 $416 $890 $4,211 $10,526 
Total Consumer$332 $1,796 $1,341 $1,540 $416 $890 $4,211 $10,526 
Year-to-date gross charge-offs$— $— $— $5 $— $7 $59 $71 
Total Portfolio loans:
Pass$39,333 $241,007 $267,303 $283,031 $260,293 $546,510 $80,689 $1,718,166 
Special Mention423 2,309 3,232 8,215 6,497 19,381 7,406 47,463 
Substandard— — 752 3,305 640 10,426 3,375 18,498 
Performing10,194 66,349 63,642 94,512 43,682 139,731 118,306 536,416 
Nonperforming— 200 123 1,568 157 1,339 8 3,395 
Total Portfolio loans$49,950 $309,865 $335,052 $390,631 $311,269 $717,387 $209,784 $2,323,938 
Year-to-date gross charge-offs$— $— $— $5 $— $21 $59 $85 
December 31, 2024
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost Basis
(In thousands)20242023202220212020PriorTotal
Internally Risk Rated:
Commercial real estate
Pass$120,989 $135,995 $164,167 $121,092 $55,408 $312,999 $17,276 $927,926 
Special Mention1,887 3,826 2,880 6,639 2,177 11,613 1,303 30,325 
Substandard— — 2,332 342 1,485 7,059 45 11,263 
Total Commercial real estate$122,876 $139,821 $169,379 $128,073 $59,070 $331,671 $18,624 $969,514 
Residential mortgage
Pass$27,887 $35,566 $23,095 $38,848 $13,446 $31,784 $466 $171,092 
Special Mention130 1,692 167 146 366 3,246 115 5,862 
Substandard— 237 188 — — 68 — 493 
Total Residential mortgage$28,017 $37,495 $23,450 $38,994 $13,812 $35,098 $581 $177,447 
Commercial and industrial
Pass$10,000 $10,067 $19,584 $29,673 $13,162 $18,976 $30,015 $131,477 
Special Mention165 109 246 192 78 459 2,554 3,803 
Substandard— 526 468 335 2 979 3,316 5,626 
Total Commercial and industrial$10,165 $10,702 $20,298 $30,200 $13,242 $20,414 $35,885 $140,906 
Year-to-date gross charge-offs$— $38 $— $— $— $100 $— $138 
Home equity lines of credit
Pass$— $294 $92 $— $— $501 $5,729 $6,616 
Special Mention— — — — — — 696 696 
Substandard— — — — — 6 — 6 
Total Home equity lines of credit$— $294 $92 $— $— $507 $6,425 $7,318 
Real estate construction
Pass$21,227 $24,463 $7,719 $1,209 $298 $1,060 $6,086 $62,062 
Special Mention— 168 5,100 — — 667 45 5,980 
Substandard— — — — — 62 — 62 
Total Real estate construction$21,227 $24,631 $12,819 $1,209 $298 $1,789 $6,131 $68,104 
Performance Rated:
Residential mortgage
Performing$14,786 $41,275 $39,943 $13,523 $13,876 $100,601 $72 $224,076 
Nonperforming— — — — — 427 — 427 
Total Residential mortgage$14,786 $41,275 $39,943 $13,523 $13,876 $101,028 $72 $224,503 
Home equity lines of credit
Performing$— $18 $34 $— $12 $2,591 $75,621 $78,276 
Nonperforming— — — — — — 91 91 
Total Home equity lines of credit$— $18 $34 $— $12 $2,591 $75,712 $78,367 
Real estate construction
Performing$6,486 $222 $725 $160 $188 $888 $— $8,669 
Total Real estate construction$6,486 $222 $725 $160 $188 $888 $— $8,669 
Consumer
Performing$2,000 $1,521 $1,694 $465 $276 $778 $2,584 $9,318 
Total Consumer$2,000 $1,521 $1,694 $465 $276 $778 $2,584 $9,318 
Year-to-date gross charge-offs$— $4 $9 $— $1 $7 $197 $218 
Total Portfolio loans
Pass$180,103 $206,385 $214,657 $190,822 $82,314 $365,320 $59,572 $1,299,173 
Special Mention2,182 5,795 8,393 6,977 2,621 15,985 4,713 46,666 
Substandard— 763 2,988 677 1,487 8,174 3,361 17,450 
Performing23,272 43,036 42,396 14,148 14,352 104,858 78,277 320,339 
Nonperforming— — — — — 427 91 518 
Total Portfolio loans$205,557 $255,979 $268,434 $212,624 $100,774 $494,764 $146,014 $1,684,146 
Year-to-date gross charge-offs$— $42 $9 $— $1 $107 $197 $356 
The following table presents the activity in the ACL by loan portfolio segment:
(In thousands)Commercial
Real Estate		Residential
Mortgage		Commercial
and
Industrial		Home Equity
Lines of
Credit		Real Estate
Construction		ConsumerTotal
Three Months Ended March 31, 2025    
Beginning balance - January 1, 2025$10,578 $2,976 $1,416 $294 $1,918 $98 $17,280 
Allowance established for acquired PCD loans798 140 194 13 169 150 1,464 
Charge-offs— — (14)— — (71)(85)
Recoveries— — 3 — — 16 19 
Provisions (reversal of)2,173 2,012 629 180 1,051 (77)5,968 
Ending balance -March 31, 2025$13,549 $5,128 $2,228 $487 $3,138 $116 $24,646 
Three Months Ended March 31, 2024    
Beginning balance - January 1, 2024$12,010 $3,303 $2,048 $397 $2,070 $141 $19,969 
Charge-offs— — — — — (60)(60)
Recoveries— — 15 — — 25 40 
Provisions (reversal of)230 (76)(103)(83)243 12 223 
Ending balance - March 31, 2024$12,240 $3,227 $1,960 $314 $2,313 $118 $20,172 
v3.25.1
Goodwill and Intangible Assets
 3 Months Ended
Mar. 31, 2025
Business Combinations [Abstract]  
Goodwill and Intangible Assets Goodwill and Intangible Assets
Goodwill totaled $64.4 million and $44.2 million as of March 31, 2025 and December 31, 2024, respectively. Goodwill, which has an indefinite useful life, is evaluated for impairment annually or more frequently if events and circumstances indicate that the asset might be impaired. The Corporation did not identify any goodwill impairment on the Bank or ACNB Insurance Services from its most recent testing performed as of November 30, 2024 using the qualitative approach. There were no impairment losses or accumulated impairment losses associated with goodwill as of March 31, 2025 and December 31, 2024.
The following table presents Goodwill at March 31, 2025 and December 31, 2024:
(In thousands)March 31, 2025December 31, 2024
Balance, beginning of year$44,185 $44,185 
Acquired goodwill20,264 — 
Balance, end of period$64,449 $44,185 
The following table presents intangible assets, net for the periods shown below:
Three Months Ended March 31,
(In thousands)20252024
Beginning of period$7,838 $9,082 
Acquired core deposit intangible18,854 — 
Amortization expense(857)(321)
Balance, end of period$25,835 $8,761 
The following table shows the amortization expense of the intangible assets for future periods:
Year (In thousands)
Remainder of 2025$3,400 
20264,117 
20273,628 
20283,139 
20292,732 
Thereafter8,819 
$25,835 
v3.25.1
Deposits
 3 Months Ended
Mar. 31, 2025
Deposits [Abstract]  
Deposits Deposits
Deposits were comprised of the following for the periods presented:
(In thousands)March 31, 2025December 31, 2024
Noninterest-bearing demand deposits$562,700 $451,503 
Interest-bearing demand deposits609,187 505,096 
Money market549,704 251,667 
Savings341,291 311,207 
Total demand and savings2,062,882 1,519,473 
Time477,127 273,028 
Total deposits$2,540,009 $1,792,501 
Time deposits include brokered deposits totaling $54.0 million at March 31, 2025 and $24.1 million at December 31, 2024. Deposits with a fair value of $741.5 million at the date of the Acquisition were assumed and included an acquisition accounting adjustment of $215 thousand.
Scheduled maturities of time deposits at March 31, 2025 are as follows:
Time Deposits
(In thousands)Less than $250,000$250,000 or more
Less than 1 year$349,879 $68,879 
1 - 2 years31,782 1,597 
2 - 3 years16,771 1,315 
3 - 4 years2,326 1,606 
4 - 5 years2,917 — 
Thereafter55 — 
Total time deposits$403,730 $73,397 
v3.25.1
Borrowings
 3 Months Ended
Mar. 31, 2025
Debt Disclosure [Abstract]  
Borrowings Borrowings
Short-term borrowings and weighted-average interest rates for the periods presented:
March 31, 2025December 31, 2024
(In thousands)AmountRateAmountRate
Securities sold under repurchase agreements$14,059 0.19 %$15,826 0.23 %
FHLB advance25,000 4.43 — — 
Federal funds purchased5,129 4.33 — — 
$44,188 3.07 %$15,826 0.23 %
Borrowings with original maturities of one year or less are classified as short-term. Securities sold under repurchase agreements are comprised of customer repurchase agreements, which are sweep accounts with next-day maturities utilized by larger commercial customers to earn interest on their funds. Securities are pledged to these customers in an amount at least equal to the outstanding balance. Under an agreement with the FHLB, the Bank has short-term borrowing capacity included within its maximum borrowing capacity. All FHLB advances are collateralized by a security agreement covering qualifying loans. In addition, all FHLB advances are secured by the FHLB capital stock owned by the Bank having a par value of $13.3 million at March 31, 2025.
Long-term borrowings and their weighted-average contractual rates were comprised of the following for the periods presented:
March 31, 2025December 31, 2024
(In thousands)AmountRateAmountRate
FHLB fixed-rate advances maturing:
2026$80,000 4.71 %$80,000 4.71 %
202790,000 4.55 90,000 4.55 
202835,000 4.23 35,000 4.23 
202930,000 4.25 30,000 4.25 
Trust preferred subordinated debt 1
5,343 6.25 5,333 6.25 
Subordinated debt15,000 4.00 15,000 4.00 
$255,343 4.52 %$255,333 4.52 %
________________________________________
1 Net of purchase accounting fair value mark.
The long-term FHLB advances have a weighted average rate of 4.52%, and are collateralized by the assets defined in the security agreement and FHLB capital stock described previously. Based on this collateral and ACNB’s holding of FHLB stock, ACNB is eligible to borrow up to $950.9 million, of which $688.6 million was available at March 31, 2025.
The trust preferred subordinated debt is comprised of debt securities issued by FCBI in December 2006 and assumed by ACNB Corporation through the acquisition of FCBI. FCBI completed the private placement of an aggregate of $6.0 million of trust preferred securities. The interest rate on the subordinated debentures is adjusted quarterly to 163 bps over the three-month CME Term SOFR plus applicable tenor spread adjustment. On March 13, 2025, the most recent interest rate reset date, the interest rate was adjusted to 6.19% for the period ending June 15, 2025. The trust preferred securities mature on December 15, 2036, and may be redeemed at par, at the Corporation’s option, on any interest payment date. The trust preferred subordinated debt is considered Tier 1 capital for the consolidated capital ratios.
On March 30, 2021, the Company entered into Purchase Agreements with the Purchasers pursuant to which the Company sold and issued $15.0 million in aggregate principal amount of its 4.00% fixed-to-floating rate subordinated notes due March 31, 2031. The Subordinated Notes bear interest at a fixed rate of 4.00% per year, from and including March 30, 2021 to, but excluding, March 31, 2026 or earlier redemption date. From and including March 31, 2026 to, but excluding the maturity date or earlier redemption date, the interest rate will reset quarterly at a variable rate equal to the then current 90-day average SOFR plus 329 bps. As provided in the Subordinated Notes, the interest rate on the Subordinated Notes during the applicable floating rate period may be determined based on a rate other than the 90-day average SOFR. The Subordinated Notes were issued by the Corporation to the Purchasers at a price equal to 100% of their face amount. The Subordinated Notes have a stated maturity of March 31, 2031, are redeemable by the Company at its option, in whole or in part, on or after March 30, 2026, and at any time upon the occurrences of certain events. The Subordinated Notes are considered Tier 2 capital for the consolidated capital ratios.
During the first quarter of 2025, ACNB paid off $40.2 million of short-term and long-term FHLB borrowings held by Traditions with a cost of 4.73% shortly following the Acquisition date.
v3.25.1
Derivative Financial Instruments
 3 Months Ended
Mar. 31, 2025
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
Derivative Financial Instruments Derivative Financial Instruments
ACNB is exposed to certain risks arising from both its business operations and economic conditions. ACNB manages market risk, including interest rate risk, primarily by managing the amount, sources, and duration of its assets and liabilities and the use of derivative financial instruments. Specifically, the Corporation enters into derivative financial instruments to manage interest rate risk that arise from business operations.
All derivatives are recognized as either assets or liabilities in the Consolidated Statements of Condition. Until a derivative is settled, favorable changes in fair values result in unrealized gains that are recognized as assets, while unfavorable changes result in unrealized losses that are recognized as liabilities.
ACNB applies hedge accounting, when applicable, to its derivatives used for interest rate risk management purposes. Hedge accounting is permitted only if specific criteria are met, including a requirement that a highly effective relationship exist between the derivative instrument and the hedged item, both at inception of the hedge and on an ongoing basis. The hedge accounting method depends upon whether the derivative instrument is classified as a fair value hedge (i.e. hedging an exposure related to a recognized asset or liability, or a firm commitment) or a cash flow hedge (i.e. hedging an exposure related to the variability of future cash flows associated with a recognized asset or liability, or a forecasted transaction). Changes in the fair value of effective fair value hedges are recognized in current earnings (with the change in fair value of the hedged asset or liability also recorded in earnings). Changes in the fair value of effective cash flow hedges are recognized in other comprehensive income or loss until earnings are affected by the variability in cash flows of the designated hedged item. Ineffective portions of hedge results are recognized in current earnings. Changes in the fair value of derivatives for which hedge accounting is not applied are recognized in current earnings.
Interest rate-lock commitments extended to borrowers relate to the origination of residential mortgage loans. To mitigate the interest rate risk inherent in these commitments, ACNB enters into mandatory delivery and best efforts contracts to sell adjustable-rate and fixed-rate residential mortgage loans (servicing released). Forward commitments and interest rate-lock commitments on residential mortgage loans are considered derivatives. Hedge accounting has not been applied for these derivatives. Accordingly, changes in the fair value of forward and interest rate-lock commitments are recognized in current earnings.
ACNB executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously offset with essentially matching interest rate swaps with ACNB’s counterparties, such that ACNB minimizes its net risk exposure resulting from such transactions. Hedge accounting has not been applied for these derivatives. Accordingly, changes in the fair value of all such interest rate swaps are recognized in current earnings.
The following table presents the fair value of the Corporation’s derivative financial instruments as well as their classification on the Consolidated Statements of Condition as of March 31, 2025 and December 31, 2024:


March 31, 2025December 31, 2024
(In thousands)Notional
Amount		Asset (Liability)
Fair Value		Statements of Condition
Location		Notional
Amount		Asset
(Liability)
Fair Value
Interest rate lock commitments:
Assets$67,226 $1,472 Other Assets$— $— 
Liabilities— — Other Liabilities— — 
Forward commitments:
Assets4,079 — Other Assets— — 
Liabilities26,750 88 Other Liabilities— — 
Interest rate derivatives with customers:
Assets— — Other Assets— — 
Liabilities56,119 4,894 Other Liabilities— — 
Interest rate derivatives with dealer counterparties:
Assets56,119 4,894 Other Assets— — 
Liabilities— — Other Liabilities— — 
The following presents a summary of the fair value gains and losses on derivative financial instruments for the three months ended March 31, 2025 and 2024:
(In thousands)Three months ended
March 31, 2025		Three months ended
March 31, 2024		Consolidated Statements of (Loss) Income Classification
Interest Rate Lock Commitments$260 $— Gain from mortgage loans held for sale
Forward Commitments(15)— Gain from mortgage loans held for sale
v3.25.1
Fair Value Measurements
 3 Months Ended
Mar. 31, 2025
Fair Value Disclosures [Abstract]  
Fair Value Measurements Fair Value Measurements
Fair value is the exchange price that would be received to sell the asset or transfer the liability in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions.
Fair value measurement establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are as follows:
Level 1 — Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities.
Level 2 — Quoted prices for similar assets or liabilities in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability.
Level 3 — Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported with little or no market activity).
An asset or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.
The following tables present assets measured at fair value and the basis of measurement used at the periods presented:
March 31, 2025
(In thousands)BasisLevel 1Level 2Level 3Total
Assets
Equity securities with readily determinable fair valuesRecurring$933 $— $— $933 
AFS Investment Securities:
U.S. Government and agencies — 145,648 — 145,648 
Collateralized mortgage obligations— 55,632 — 55,632 
Residential mortgage-backed securities— 147,224 — 147,224 
Commercial mortgage-backed securities — 77,109 — 77,109 
Corporate bonds — 30,206 — 30,206 
Total AFS Investment SecuritiesRecurring$— $455,819 $— $455,819 
Loans held for saleRecurring— 21,413 — 21,413 
Derivative assetsRecurring— 6,366 — 6,366 
Individually evaluated loansNon-recurring— — 1,750 1,750 
Foreclosed assets held for resaleNon-recurring— — 438 438 
Liabilities
Derivative liabilitiesRecurring$— $4,982 $— $4,982 
December 31, 2024
(In thousands)BasisLevel 1Level 2Level 3Total
Equity securities with readily determinable fair valuesRecurring$919 $— $— $919 
AFS Investment Securities:
U.S. Government and agencies — 143,193 — 143,193 
Collateralized mortgage obligations— 35,654 — 35,654 
Residential mortgage-backed securities— 138,540 — 138,540 
Commercial mortgage-backed securities — 60,785 — 60,785 
Corporate bonds — 15,803 — 15,803 
Total AFS Investment SecuritiesRecurring$— $393,975 $— $393,975 
Loans held for saleRecurring— 426 — 426
Individually evaluated loansNon-recurring— — 1,690 1,690 
Foreclosed assets held for resaleNon-recurring— — 438 438 
The valuation techniques used to measure fair value for the items in the preceding tables are as follows:
Equity securities — The fair value of equity securities with readily determinable fair values is recorded on the Consolidated Statements of Condition, with realized and unrealized gains and losses reported in noninterest income on the Consolidated Statements of (Loss) Income. They are classified as Level 1 assets.

Available for sale investment securities — Included in this asset category are debt securities. Level 2 investment securities are valued by a third-party pricing service. The pricing service uses pricing models that vary based on asset class and incorporate available market information, including quoted prices of investment securities with similar characteristics. Because many fixed income securities do not trade on a daily basis, pricing models use available information, as applicable, through processes such as benchmark yield curves, benchmarking of like securities, sector groupings and matrix pricing. Standard market inputs include: benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers and reference data, including market research publications. For certain security types, additional inputs may be used, or some of the standard market inputs may not be applicable.
•     U.S. Government and agencies — These debt securities are classified as Level 2. Fair values are determined by a third-party pricing service, as detailed above.
•     Collateralized mortgage obligations and Mortgage-backed securities — These debt securities are classified as Level 2. Fair values are determined by a third-party pricing service, as detailed above.
•     Corporate bonds — This category consists of subordinated and senior debt issued by financial institutions and are classified as Level 2 investments. The fair values for these corporate debt securities are determined by a third-party pricing service, as detailed above.
Loans held for sale — This category includes mortgage loans held for sale that are measured at fair value utilizing Level 2 measurements. Fair values are measured as the price that secondary market investors were offering for loans with similar characteristics.

Individually evaluated loans — This category consists of loans that were individually evaluated for impairment and have a specific reserve. They are classified as Level 3 assets.

Foreclosed assets held for resale — This category consists of foreclosed assets that are held for resale and classified as Level 3 assets, for which the fair values are based on estimated selling prices less estimated selling costs for similar assets in active markets.
Derivative Financial Instruments — Derivative financial instruments include interest rate lock commitments, forward commitments and interest rate swaps. The fair value of interest rate lock commitments is derived from the value of the underlying loans, adjusted for changes in market interest rates relative to the committed rate. The fair value of forward sales commitments is based on quoted prices for mortgage-backed securities with similar characteristics. The fair value of interest rate swaps is based upon broker quotes. They are classified as Level 2 assets.

The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis for which the Corporation has utilized Level 3 inputs to determine fair value:
(Dollars in thousands)Fair Value Estimate
Valuation Technique 1
Unobservable Input 2
RangeWeighted Average
March 31, 2025
Individually evaluated loans$1,750 Appraisal of collateral Appraisal adjustments
16% – 100%
48%
Foreclosed assets held for resale438 Appraisal of collateralAppraisal adjustments
17% – 53%
50%
December 31, 2024
Individually evaluated loans$1,690 Appraisal of collateralAppraisal adjustments
16% – 100%
47%
Foreclosed assets held for resale438 Appraisal of collateralAppraisal adjustments
17% – 53%
50%
_______________________________________
1 Fair value is generally determined through management’s estimate or independent third-party appraisals of the underlying collateral, which generally includes various Level 3 inputs which are not observable.
2 Appraisals may be adjusted downward by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range of liquidation expenses and other appraisal adjustments are presented as a percentage of the appraisal. Higher downward adjustments are caused by negative changes to the collateral or conditions in the real estate market, actual offers or sales contracts received, and/or age of the appraisal.
The following information should not be interpreted as an estimate of the fair value of the entire Corporation since a fair value calculation is only provided for a limited portion of the Corporation’s assets and liabilities. Management uses its best judgment in estimating the fair value of the Corporation’s financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Corporation could have realized in a sales transaction on the dates indicated. The estimated fair value amounts have been measured as of their respective reporting dates and have not been reevaluated or updated for purposes of these Consolidated Financial Statements subsequent to those respective dates. As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each period end. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Corporation’s disclosures and those of other companies may not be meaningful.
The following tables present the carrying amount and the estimated fair value of the Corporation’s financial instruments:
March 31, 2025
Carrying AmountEstimated Fair Value
(In thousands)TotalLevel 1Level 2Level 3
Financial assets:
Cash and due from banks$23,422 $23,422 $23,422 $— $— 
Interest-bearing deposits with banks100,141 100,141 100,141 — — 
Equity securities with readily determinable fair values933 933 933 — — 
Investment securities AFS455,819 455,819 — 455,819 — 
Investment securities HTM64,554 56,219 — 56,219 — 
Loans held for sale21,413 21,413 — 21,413 — 
Loans, net2,297,563 2,288,564 — — 2,288,564 
Accrued interest receivable11,720 11,720 — 11,720 — 
Restricted investment in bank stocks13,560 N/A— N/A— 
Derivative assets6,366 6,366 — 6,366 — 
Financial liabilities:
Demand deposits, savings, and money markets$2,062,882 $1,757,870 $— $1,757,870 $— 
Time deposits477,127 469,483 — 469,483 — 
Securities sold under repurchase agreements14,059 14,940 — 14,940 — 
Federal funds purchased5,129 5,214 — 5,214 — 
FHLB Advances260,000 262,678 — 262,678 — 
Trust preferred and subordinated debt20,343 18,581 — 18,581 — 
Accrued interest payable3,033 3,033 — 3,033 — 
Derivative liabilities4,982 4,982 — 4,982 — 
December 31, 2024
Carrying AmountEstimated Fair Value
(In thousands)TotalLevel 1Level 2Level 3
Financial assets:
Cash and due from banks$16,352 $16,352 $16,352 $— $— 
Interest-bearing deposits with banks30,910 30,910 30,910 — — 
Equity securities with readily determinable fair values919 919 919 — — 
Investment securities AFS393,975 393,975 — 393,975 — 
Investment securities HTM64,578 56,924 — 56,924 — 
Loans held for sale426 426 — 426 — 
Loans, net1,665,630 1,635,351 — — 1,635,351 
Accrued interest receivable8,189 8,189 — 8,189 — 
Restricted investment in bank stocks10,853 N/A— N/A— 
Financial liabilities:
Demand deposits, savings, and money markets$1,519,473 $1,269,889 $— $1,269,889 $— 
Time deposits273,028 267,336 — 267,336 — 
Securities sold under repurchase agreements15,826 16,435 — 16,435 — 
FHLB Advances235,000 235,290 — 235,290 — 
Trust preferred and subordinated debt20,333 18,420 — 18,420 — 
Accrued interest payable1,551 1,551 — 1,551 — 
v3.25.1
Stock-Based Compensation
 3 Months Ended
Mar. 31, 2025
Share-Based Payment Arrangement [Abstract]  
Stock-Based Compensation Stock-Based Compensation
The Corporation grants equity awards to employees in the form of restricted stock awards under its ACNB Corporation 2018 Omnibus Stock Incentive Plan. The fair value of equity awards granted to employees is recognized as compensation expense over the vesting period of the stock issued. During the first quarter of 2025, 36,887 restricted stock awards were granted and 38,476 restricted stock awards vested.
The following table presents compensation expense and the related tax benefits for equity awards recognized in the Consolidated Statements of (Loss) Income:
Three Months Ended March 31,
(In thousands)20252024
Compensation Expense$612 $534 
Tax benefit(138)(121)
Total stock-based compensation, net of tax$474 $413 
v3.25.1
Retirement Benefits
 3 Months Ended
Mar. 31, 2025
Postemployment Benefits [Abstract]  
Retirement Benefits Defined Benefit Pension Plan
 
The components of net periodic benefit income related to the non-contributory, defined benefit pension plan were as follows:
 Three Months Ended March 31,
(In thousands)20252024
Service cost$91 $107 
Interest cost399 374 
Expected return on plan assets(685)(712)
Amortization of net loss— 19 
Net Periodic Benefit Income$(195)$(212)
 
The Corporation has determined that it will not be contributing to the defined benefit plan in 2025 based on current levels and expected returns on plan assets. Effective April 1, 2012, no inactive or former participant in the plan is eligible to again participate in the plan, and no employee hired after March 31, 2012, is eligible to participate in the plan.
v3.25.1
Commitments and Contingencies
 3 Months Ended
Mar. 31, 2025
Risks and Uncertainties [Abstract]  
Commitments and Contingencies Disclosure Commitments and Contingencies
 
Commitments

The Corporation is a party to financial instruments with OBS risk in the normal course of business to meet the financing needs of its customers. These financial instruments consist primarily of commitments to extend credit (typically mortgages and commercial loans) and, to a lesser extent, standby letters of credit. To varying degrees, these instruments involve elements of credit and interest rate risk in excess of the amount recognized on the Consolidated Statements of Condition.

The Corporation’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. The Corporation uses the same credit policies in making commitments and conditional obligations as it does for on balance sheet instruments. The Corporation does not anticipate any material losses from these commitments.

Commitments to extend credit, including commitments to grant loans and unfunded commitments under lines of credit, are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Corporation evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Corporation upon extensions of credit, is based on management’s credit evaluation of the customer. Collateral held varies but may include accounts receivable, inventory, property and equipment and income-producing commercial properties. On loans secured by real estate, the Corporation generally requires loan to value ratios of no greater than 80%.

Standby letters of credit are conditional commitments issued by the Corporation to guarantee the performance of a customer to a third-party. Those guarantees are primarily issued to support public and private borrowing arrangements and similar transactions. The terms of the letters of credit vary and may have renewal features. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. The Corporation generally holds collateral and/or personal guarantees supporting those commitments for which collateral is deemed necessary. Management believes that the proceeds obtained through a liquidation of such collateral and the enforcement of guarantees would be sufficient to cover the maximum potential amount of future payments required under the corresponding guarantees.

The Corporation maintains a $5.0 million unsecured line of credit with a correspondent bank. The Corporation guarantees a note related to a $1.5 million commercial line of credit with a correspondent bank, with normal terms and conditions for such a line, for ACNB Insurance Services, the borrower. The commercial line of credit is for general working capital needs as they arise by the ACNB Insurance Services. The liability is recorded for the net drawn amount of this line, no further liability is recorded for the remaining line as to the guarantor’s obligation as the guarantor would have full recourse from all assets of its wholly-owned subsidiary. There were no advances on these lines at March 31, 2025 and at December 31, 2024.

The Corporation has not been required to perform on any financial guarantees, and has not incurred any losses on its commitments during the past three years.
A summary of the Corporation’s commitments were as follows:
(In thousands)March 31, 2025December 31, 2024
Commitments to extend credit$569,093 $372,839 
Standby letters of credit25,192 15,103 

Contingencies

The Corporation is subject to claims and lawsuits which arise primarily in the ordinary course of business. Based on information presently available and advice received from legal counsel representing the Corporation in connection with any such claims and lawsuits, it is the opinion of management that the disposition or ultimate determination of any such claims and
lawsuits will not have a material adverse effect on the consolidated financial position, consolidated results of operations or liquidity of the Corporation.
v3.25.1
Accumulated Other Comprehensive Loss
 3 Months Ended
Mar. 31, 2025
Stockholders' Equity Note [Abstract]  
Accumulated Other Comprehensive Loss Accumulated Other Comprehensive Loss
 
The components of accumulated other comprehensive loss, net of taxes, are as follows:
(In thousands)Unrealized (Losses) Gains on SecuritiesPension
Liability		Accumulated Other
Comprehensive Loss
Balance at December 31, 2024$(38,160)$(3,508)$(41,668)
Unrealized gain on AFS securities, net of income tax6,157 — 6,157 
Amortization of unrealized losses on securities transferred to HTM, net of tax193 — 193 
Net current period other comprehensive income6,350 — 6,350 
Balance at March 31, 2025$(31,810)$(3,508)$(35,318)
Balance at December 31, 2023$(40,952)$(3,957)$(44,909)
Unrealized loss on AFS securities, net of income tax(2,198)— (2,198)
Realized gains on securities, net of income tax53 — 53 
Amortization of unrealized losses on securities transferred to HTM, net of tax215 — 215 
Amortization of pension net gain, net of tax— 15 15 
Net current period other comprehensive (loss) income(1,930)15 (1,915)
Balance at March 31, 2024$(42,882)$(3,942)$(46,824)
v3.25.1
Segment Reporting
 3 Months Ended
Mar. 31, 2025
Segment Reporting [Abstract]  
Segment Reporting Segment Reporting
 
The Corporation’s reportable segments are determined by the ACNB Board of Directors. The reportable segments are determined by how operating decisions are made and performance is assessed. The CODM evaluates the financial performance of the various business components by evaluating revenue streams, significant expenses and budget to actual results in assessing the performance of the Corporation’s segments and in order to determine the allocation of resources. The ACNB Board of Directors has determined that the Corporation has two reporting segments, the Bank and ACNB Insurance Services and considers the President and CEO of ACNB Corporation to be the CODM of both reporting segments. Key measurements of performance in the banking segment are the net interest margin and the provision for credit losses, both which indicate the Bank’s ability to manage risk, and also the Bank’s ability to grow noninterest income and manage the largest noninterest expense, salaries and employee benefits. AIS Insurance Services is a subsidiary of the Corporation and is governed by its own Board of Directors. Key measurements of performance are revenues from commissions on insurance policies and the significant expense associated with those revenues are salaries and employee benefits. These two factors are significant in assessing the performance of the agency.
Segment information as of and for the periods listed below is as follows:

(In thousands)BankingInsurance
Other1
Consolidated
Three Months Ended March 31, 2025   
Interest income$36,290 $1 $(1)$36,290 
Noninterest income5,025 2,147 12 7,184 
Total consolidated revenues43,474 
Interest expense8,951 — 2499,200 
Provision for credit losses and unfunded commitments
5,488 — — 5,488 
Depreciation and amortization expense1,250 195 — 1,445 
Salaries and employee benefits11,298 1,462 10112,861 
Other noninterest expense2
14,564 336 12915,029 
(Loss) income before income taxes(236)155 (468)(549)
Income tax (benefit) expense(227)42 (92)(277)
Net (loss) income$(9)$113 $(376)$(272)
Total assets$3,252,111 $22,437 $(4,507)$3,270,041 
Goodwill$56,064 $8,385 $— $64,449 
Capital expenditures$654 $5 $— $659 
Three Months Ended March 31, 2024   
Interest income$25,965 $1 $8 $25,974 
Noninterest income3,552 2,115 — 5,667 
Total consolidated revenues31,641 
Interest expense5,118 — 2635,381 
Provision for credit losses and unfunded commitments
72 — — 72 
Depreciation and amortization expense567 199 — 766 
Salaries and employee benefits9,617 1,453 9811,168 
Other noninterest expense2
5,189 392 1475,728 
Income (loss) before income taxes8,954 72 (500)8,526 
Income tax expense (benefit) 1,843 20 (105)1,758 
Net income (loss)$7,111 $52 $(395)$6,768 
Total assets$2,395,476 $21,896 $(3,084)$2,414,288 
Goodwill$35,800 $8,385 $— $44,185 
Capital expenditures$78 $— $— $78 
______________________________________
1Includes the holding company and intercompany eliminations, including the intersegment elimination of interest income and interest expense.
2Other noninterest expense for Banking includes equipment, net occupancy, professional services, other tax, FDIC and regulatory and merger-related expenses.
Other noninterest expense for Insurance includes equipment, net occupancy and professional services expenses.
v3.25.1
Pay vs Performance Disclosure - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Pay vs Performance Disclosure    
Net (loss) income $ (272) $ 6,768
v3.25.1
Insider Trading Arrangements
 3 Months Ended
Mar. 31, 2025
Trading Arrangements, by Individual  
Rule 10b5-1 Arrangement Adopted false
Non-Rule 10b5-1 Arrangement Adopted false
Rule 10b5-1 Arrangement Terminated false
Non-Rule 10b5-1 Arrangement Terminated false
v3.25.1
Basis of Presentation and Nature of Operations (Policies)
 3 Months Ended
Mar. 31, 2025
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Basis of Presentation
The accompanying unaudited Consolidated Financial Statements have been prepared in accordance with GAAP for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. The preparation of financial statements in accordance with GAAP requires management to make estimates and assumptions that affect the amounts of assets and liabilities as of the date of the financial statements as well as revenues and expenses during the period. Actual results could differ from those estimates. In the opinion of management, the accompanying unaudited Consolidated Financial Statements contain all adjustments necessary for a fair presentation. All such adjustments are of a normal recurring nature. These Consolidated Financial Statements should be read in conjunction with the audited Consolidated Financial Statements and the notes included in the Corporation’s Annual Report on Form 10-K for the year ended December 31, 2024. The Corporation evaluates subsequent events through the filing date of this Form 10-Q with the SEC. The results of operations for the three month periods ended March 31, 2025, are not necessarily indicative of the results to be expected for the full year.
Reclassifications
Certain reclassifications have been made to the prior period financial statements to conform to the current period presentation. Reclassifications had no material effect on prior year net income or stockholders’ equity.
Recently Issued Accounting Standards
In December 2023, the FASB issued ASU 2023-09, “Income Taxes (Topic 740)”. This ASU is intended to improve the disclosures for income taxes to address requests from investors, lenders, creditors and other allocators of capital that use the financial statements to make capital allocation decisions. The amendments in ASU 2023-09 will require consistent categories and greater disaggregation of information in the rate reconciliation disclosure as well as disclosure of income taxes paid disaggregated by jurisdiction. The amendments of ASU 2023-09 are effective for annual periods beginning after December 15, 2024, and early adoption is permitted for annual financial statements that have not yet been issued or made available for issuance. The Corporation intends to adopt the amendments of ASU 2023-09 effective January 1, 2025, and will include the required disclosures in its Annual Report on Form 10-K for the year ending December 31, 2025. The Corporation is currently evaluating the impact of this standard, and believes that its adoption will not have a material impact on the Corporation’s Consolidated Financial Statements.
In November 2024, the FASB issued ASU 2024-03, “Disaggregation of Income Statement Expenses (Subtopic 220-40)”. This ASU is intended to improve the decision usefulness of expense information on public business entities’ income statements through the disaggregation of relevant expense captions in the notes to the financial statements. The amendments of ASU 2024-03 are effective for annual periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027, and early adoption is permitted. The Corporation is currently evaluating the impact of this standard, and believes that its adoption will not have a material impact on the Corporation’s Consolidated Financial Statements.
Fair Value Measurements
Fair value is the exchange price that would be received to sell the asset or transfer the liability in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions.
Fair value measurement establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are as follows:
Level 1 — Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities.
Level 2 — Quoted prices for similar assets or liabilities in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability.
Level 3 — Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported with little or no market activity).
An asset or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.
v3.25.1
Business Combination (Tables)
 3 Months Ended
Mar. 31, 2025
Business Combination, Asset Acquisition, and Joint Venture Formation [Abstract]  
Schedule of Business Acquisitions, by Acquisition
The total merger consideration of $83.8 million is allocated to Traditions’ tangible and intangible assets and liabilities based on their fair values as follows:
(In thousands)Traditions Bancorp, Inc.
Book Value
1/31/2025		Acquisition Accounting AdjustmentsTraditions Bancorp, Inc.
Fair Value
1/31/2025
Consideration
Common stock$83,649 
Cash consideration157
Fair value of total consideration transferred$83,806 
Recognized amounts of identifiable assets acquired and liabilities assumed
Cash and cash equivalents$36,363 $— $36,363 
Investment securities, available for sale98,484 (818)97,666 
Loans held for sale12,512 — 12,512 
Total loans673,805 (25,343)648,462 
Less: Allowance for credit losses(4,045)2,581 (1,464)
Loans, net669,760 (22,762)646,998 
Premises and equipment, net7,235 (362)6,873 
Right of use asset2,932 — 2,932 
Restricted investment in bank stocks3,323 — 3,323 
Investment in bank-owned life insurance16,384 — 16,384 
Core deposit intangibles— 18,854 18,854 
Other assets14,147 1,398 15,545 
Total assets acquired$861,140 $(3,690)$857,450 
Deposits$741,723 $(215)$741,508 
Borrowings40,000 188 40,188 
Lease liability3,125 — 3,125 
Allowance for unfunded commitments118 852 970 
Other liabilities8,158 (41)8,117 
Total liabilities assumed$793,124 $784 $793,908 
Total identifiable net assets$68,016 $(4,474)$63,542 
Goodwill$20,264 
Financing Receivable, Purchased with Credit Deterioration The following table presents details related to the fair value of acquired PCD loans at the Acquisition date:
(In thousands)Unpaid Principal BalanceTotal Premium/(Discount)Gross Up for PCD Allowance for Credit LossesFair Value of PCD Loans
PCD Accruing$140,053 $(5,359)$1,464 $136,158 
PCD Non-Accruing2,962 (528)— 2,434 
Total PCD Loans$143,015 $(5,887)$1,464 $138,592 
Business Acquisition, Pro Forma Information
The following table presents supplemental pro forma information for the three months ended March 31, 2025 and 2024 as if the acquisition had occurred January 1, 2024. The unaudited proforma information includes adjustments for interest income on loans acquired, amortization of core deposit intangibles arising from the transaction, depreciation expense on property acquired, interest expense of deposits acquired, and the related income tax effects. The pro forma financial information is not necessarily indicative of the results of operations that would have occurred had the transactions been effected on the assumed dates. In addition, the unaudited proforma information excludes merger-related expenses and the provision for credit losses on PCD loans at the Acquisition date, and does not reflect management’s estimate of any revenue-enhancing opportunities or anticipated cost savings as a result of the integration:
Three months ended March 31,
(In thousands)20252024
Net interest income$31,148 $28,752 
Net income$11,430 $9,257 
v3.25.1
Earnings Per Share and Restricted Stock (Tables)
 3 Months Ended
Mar. 31, 2025
Earnings Per Share [Abstract]  
Schedule of Weighted Average Number of Shares Diluted earnings per share is calculated as net income available to common shareholders divided by the weighted average number of shares outstanding.
Three Months Ended March 31,
20252024
Weighted average shares outstanding (basic)9,806,299 8,493,104 
Dilutive effect of unvested shares17,176 18,544 
Weighted average shares outstanding (diluted)9,823,475 8,511,648 
Per share:
Basic$(0.03)$0.80 
Diluted(0.03)0.80 
v3.25.1
Investment Securities (Tables)
 3 Months Ended
Mar. 31, 2025
Investments, Debt and Equity Securities [Abstract]  
Schedule of amortized cost and fair value of securities
Fair value of equity securities with readily determinable fair values at March 31, 2025 and December 31, 2024, are as follows:
(In thousands)Fair Value at Beginning of PeriodGains (Losses)Fair Value at End of Period
Three Months Ended March 31, 2025
CRA Mutual Fund$919 $14 $933 
Twelve Months Ended December 31, 2024
CRA Mutual Fund928 (9)919 
$928 $(9)$919 
Amortized cost and fair value of investment securities were as follows:
(In thousands)Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair
Value
March 31, 2025
Available for Sale    
U.S. Government and agencies$159,443 $— $13,795 $145,648 
Collateralized mortgage obligations58,652 131 3,151 55,632 
Residential mortgage-backed securities164,592 51 17,419 147,224 
Commercial mortgage-backed securities81,013 312 4,216 77,109 
Corporate bonds31,825 47 1,666 30,206 
$495,525 $541 $40,247 $455,819 
Held to Maturity
State and municipal$62,985 $— $8,282 $54,703 
Residential mortgage-backed securities1,569 — 53 1,516 
$64,554 $— $8,335 $56,219 
December 31, 2024    
Available for Sale
U.S. Government and agencies$159,799 $— $16,606 $143,193 
Collateralized mortgage obligations39,540 — 3,886 35,654 
Residential mortgage-backed securities159,349 2 20,811 138,540 
Commercial mortgage-backed securities65,350 — 4,565 60,785 
Corporate bonds17,600 — 1,797 15,803 
 $441,638 $2 $47,665 $393,975 
Held to Maturity
State and municipal$62,838 $— $7,586 $55,252 
Residential mortgage-backed securities1,740 — 68 1,672 
$64,578 $— $7,654 $56,924 
Schedule of unrealized losses and fair value
The following table shows the Corporation’s investments’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at March 31, 2025, and December 31, 2024:
 Less than 12 Months12 Months or MoreTotal
(In thousands)Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses
March 31, 2025      
Available for Sale      
U.S. Government and agencies$— $— $145,648 $13,795 $145,648 $13,795 
Collateralized mortgage obligations5,702 6 35,162 3,145 40,864 3,151 
Residential mortgage-backed securities2,710 — 134,660 17,419 137,370 17,419 
Commercial mortgage-backed securities1,461 14 28,956 4,202 30,417 4,216 
Corporate bonds— — 15,435 1,666 15,435 1,666 
$9,873 $20 $359,861 $40,227 $369,734 $40,247 
Held to Maturity
State and municipal$— $— $54,703 $8,282 $54,703 $8,282 
Residential mortgage-backed securities— — 1,516 53 1,516 53 
$— $— $56,219 $8,335 $56,219 $8,335 
December 31, 2024
Available for Sale      
U.S. Government and agencies$— $— $143,193 $16,606 $143,193 $16,606 
Collateralized mortgage obligations— — 35,654 3,886 35,654 3,886 
Residential mortgage-backed securities2,692 26 135,626 20,785 138,318 20,811 
Commercial mortgage-backed securities31,860 73 28,925 4,492 60,785 4,565 
Corporate bonds— — 15,803 1,797 15,803 1,797 
 $34,552 $99 $359,201 $47,566 $393,753 $47,665 
Held to Maturity
State and municipal$— $— $55,252 $7,586 $55,252 $7,586 
Residential mortgage-backed securities— — 1,672 68 1,672 68 
$— $— $56,924 $7,654 $56,924 $7,654 
Schedule of amortized cost and fair value by contractual maturity
Amortized cost and fair value at March 31, 2025, by contractual maturity, where applicable, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay with or without penalties. Securities not due at a single maturity date are shown separately.
 Available for SaleHeld to Maturity
(In thousands)Amortized
Cost		Fair
Value		Amortized
Cost		Fair
Value
1 year or less$18,694 $18,413 $— $— 
Over 1 year through 5 years103,172 95,682 4,185 3,755 
Over 5 years through 10 years67,402 60,213 30,375 28,491 
Over 10 years2,007 1,553 28,424 22,457 
Mortgage-backed securities304,250 279,958 1,570 1,516 
 $495,525 $455,819 $64,554 $56,219 
Gain (Loss) on Securities
The proceeds from sales and calls of securities and the associated gains and losses are listed below:
Three Months Ended March 31,
(In thousands)20252024
Proceeds from sales$97,883 $14,336 
Proceeds from calls500 1,984 
Gross gains— 87 
Gross losses— 18 

ACNB received $97.7 million in proceeds from the sale of Traditions’ investments subsequent to the Acquisition date.
v3.25.1
Loans and Allowance for Credit Losses (Tables)
 3 Months Ended
Mar. 31, 2025
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]  
Schedule of the composition of the loan portfolio
The following table presents the composition of the loan portfolio:

(In thousands)March 31, 2025December 31, 2024
Commercial real estate$1,254,402 $969,514 
Residential mortgage591,488 401,950 
Commercial and industrial220,774 140,906 
Home equity lines of credit119,085 85,685 
Real estate construction127,663 76,773 
Consumer10,526 9,318 
Gross loans2,323,938 1,684,146 
Unearned income(1,729)(1,236)
Total loans, net of unearned income$2,322,209 $1,682,910 
Schedule of classes of loan portfolio summarized by the past due status The following tables present the classes of the loan portfolio summarized by the past due status:
(In thousands)30–59 Days Past Due60–89 Days
Past Due		≥ 90 Days
Past Due		Total Past
Due		CurrentTotal Loans
Receivable		Loans
Receivable
≥ 90 Days
and
Accruing
March 31, 2025
Commercial real estate$245 $— $444 $689 $1,253,713 $1,254,402 $— 
Residential mortgage10,968 1,270 2,506 14,744 576,744 591,488 1,987 
Commercial and industrial12 378 144 534 220,240 220,774 — 
Home equity lines of credit999 72 — 1,071 118,014 119,085 — 
Real estate construction735 — — 735 126,928 127,663 — 
Consumer126 22 — 148 10,378 10,526 — 
Gross Loans$13,085 $1,742 $3,094 $17,921 $2,306,017 $2,323,938 $1,987 
(In thousands)30–59 Days Past Due60–89 Days
Past Due		≥ 90 Days
Past Due		Total Past
Due		CurrentTotal Loans
Receivable		Loans
Receivable
≥ 90 Days
and
Accruing
December 31, 2024
Commercial real estate$763 $527 $314 $1,604 $967,910 $969,514 $— 
Residential mortgage953 987 850 2,790 399,160 401,950 850 
Commercial and industrial437 24 155 616 140,290 140,906 — 
Home equity lines of credit161 — 91 252 85,433 85,685 91 
Real estate construction15 11 — 26 76,747 76,773 — 
Consumer47 18 — 65 9,253 9,318 — 
Gross Loans$2,376 $1,567 $1,410 $5,353 $1,678,793 $1,684,146 $941 
Schedule of nonaccrual loans with and without loan reserves
Loans individually evaluated consist of nonaccrual loans, presented in the following table: 
March 31, 2025December 31, 2024
(In thousands)With a Related AllowanceWithout a Related AllowanceTotalWith a Related AllowanceWithout a Related AllowanceTotal
Commercial real estate$295 $3,745 $4,040 $314 $3,250 $3,564 
Residential mortgage— 1,401 1,401 — — — 
Commercial and industrial2,023 590 2,613 2,081 226 2,307 
Home equity lines of credit— 8 8 — — — 
 Total$2,318 $5,744 $8,062 $2,395 $3,476 $5,871 
Schedule of Nonperforming Loans
Total nonperforming loans are as follows:
(In thousands)March 31, 2025December 31, 2024
Nonaccrual loans$8,062 $5,871 
Greater than or equal to 90 days past due and accruing1,987 941 
Total nonperforming loans$10,049 $6,812 
Schedule of financing receivable collateral-dependent
The following table presents the amortized cost basis of individually evaluated loans by type of collateral as of the periods presented:
March 31, 2025December 31, 2024
(In thousands)Business AssetsReal EstateBusiness AssetsReal Estate
Commercial real estate$— $4,040 $— $3,564 
Residential mortgage— 1,401 — — 
Commercial and industrial2,237 376 2,307 — 
Home equity lines of credit— 8 — — 
Total$2,237 $5,825 $2,307 $3,564 
Schedule of expected commercial loan modifications
The following presents the performance of loans modified in the previous twelve months as of March 31, 2025:

(In thousands)Current30-89 Days Past Due≥ 90 Days
Past Due		Total Past Due
Commercial real estate$2,293 $— $— $— 
Commercial and industrial1,748 — — — 
Total$4,041 $— $— $— 
Schedule of loans by year of origination including credit quality indicators
The following summarizes designated internal risk categories by portfolio segment for loans assigned a risk rating and those evaluated based on the performance status:
March 31, 2025
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost Basis
(In thousands)20252024202320222021PriorTotal
Internally Risk Rated:
Commercial real estate
Pass$16,020 $157,604 $182,846 $217,778 $177,509 $444,223 $16,378 $1,212,358 
Special Mention59 2,022 2,846 2,859 6,091 14,916 1,280 30,073 
Substandard— — — 2,277 338 9,311 45 11,971 
Total Commercial real estate$16,079 $159,626 $185,692 $222,914 $183,938 $468,450 $17,703 $1,254,402 
Residential mortgage
Pass$9,326 $31,536 $37,684 $26,423 $40,031 $60,995 $510 $206,505 
Special Mention239 130 209 165 144 3,129 123 4,139 
Substandard— — 236 185 — 67 — 488 
Total Residential Mortgage$9,565 $31,666 $38,129 $26,773 $40,175 $64,191 $633 $211,132 
Commercial and industrial
Pass$2,533 $21,366 $22,067 $30,510 $40,958 $40,128 $50,366 $207,928 
Special Mention125 157 133 187 166 870 5,234 6,872 
Substandard— — 516 843 302 983 3,330 5,974 
Total Commercial and industrial$2,658 $21,523 $22,716 $31,540 $41,426 $41,981 $58,930 $220,774 
Year-to-date gross charge-offs$— $— $— $— $— $14 $— $14 
Home equity lines of credit
Pass$— $— $292 $90 $33 $338 $7,660 $8,413 
Special Mention— — — — 96 — 723 819 
Substandard— — — — — 6 — 6 
Total Home equity lines of credit$— $— $292 $90 $129 $344 $8,383 $9,238 
Real estate construction
Pass$11,454 $30,501 $24,414 $8,230 $1,762 $826 $5,775 $82,962 
Special Mention— — 44 5,004 — 466 46 5,560 
Substandard— — — — — 59 — 59 
Total Real estate construction$11,454 $30,501 $24,458 $13,234 $1,762 $1,351 $5,821 $88,581 
Performance Rated:
Residential mortgage
Performing$6,358 $32,442 $61,561 $91,411 $43,110 $135,324 $6,763 $376,969 
Nonperforming— 200 123 1,568 157 1,339 — 3,387 
Total Residential Mortgage$6,358 $32,642 $61,684 $92,979 $43,267 $136,663 $6,763 $380,356 
Home equity lines of credit
Performing$— $— $17 $33 $— $2,457 $107,332 $109,839 
Nonperforming— — — — — — 8 8 
Total Home equity lines of credit$— $— $17 $33 $— $2,457 $107,340 $109,847 
Real estate construction
Performing$3,504 $32,111 $723 $1,528 $156 $1,060 $— $39,082 
Total Real estate construction$3,504 $32,111 $723 $1,528 $156 $1,060 $— $39,082 
Consumer
Performing$332 $1,796 $1,341 $1,540 $416 $890 $4,211 $10,526 
Total Consumer$332 $1,796 $1,341 $1,540 $416 $890 $4,211 $10,526 
Year-to-date gross charge-offs$— $— $— $5 $— $7 $59 $71 
Total Portfolio loans:
Pass$39,333 $241,007 $267,303 $283,031 $260,293 $546,510 $80,689 $1,718,166 
Special Mention423 2,309 3,232 8,215 6,497 19,381 7,406 47,463 
Substandard— — 752 3,305 640 10,426 3,375 18,498 
Performing10,194 66,349 63,642 94,512 43,682 139,731 118,306 536,416 
Nonperforming— 200 123 1,568 157 1,339 8 3,395 
Total Portfolio loans$49,950 $309,865 $335,052 $390,631 $311,269 $717,387 $209,784 $2,323,938 
Year-to-date gross charge-offs$— $— $— $5 $— $21 $59 $85 
December 31, 2024
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost Basis
(In thousands)20242023202220212020PriorTotal
Internally Risk Rated:
Commercial real estate
Pass$120,989 $135,995 $164,167 $121,092 $55,408 $312,999 $17,276 $927,926 
Special Mention1,887 3,826 2,880 6,639 2,177 11,613 1,303 30,325 
Substandard— — 2,332 342 1,485 7,059 45 11,263 
Total Commercial real estate$122,876 $139,821 $169,379 $128,073 $59,070 $331,671 $18,624 $969,514 
Residential mortgage
Pass$27,887 $35,566 $23,095 $38,848 $13,446 $31,784 $466 $171,092 
Special Mention130 1,692 167 146 366 3,246 115 5,862 
Substandard— 237 188 — — 68 — 493 
Total Residential mortgage$28,017 $37,495 $23,450 $38,994 $13,812 $35,098 $581 $177,447 
Commercial and industrial
Pass$10,000 $10,067 $19,584 $29,673 $13,162 $18,976 $30,015 $131,477 
Special Mention165 109 246 192 78 459 2,554 3,803 
Substandard— 526 468 335 2 979 3,316 5,626 
Total Commercial and industrial$10,165 $10,702 $20,298 $30,200 $13,242 $20,414 $35,885 $140,906 
Year-to-date gross charge-offs$— $38 $— $— $— $100 $— $138 
Home equity lines of credit
Pass$— $294 $92 $— $— $501 $5,729 $6,616 
Special Mention— — — — — — 696 696 
Substandard— — — — — 6 — 6 
Total Home equity lines of credit$— $294 $92 $— $— $507 $6,425 $7,318 
Real estate construction
Pass$21,227 $24,463 $7,719 $1,209 $298 $1,060 $6,086 $62,062 
Special Mention— 168 5,100 — — 667 45 5,980 
Substandard— — — — — 62 — 62 
Total Real estate construction$21,227 $24,631 $12,819 $1,209 $298 $1,789 $6,131 $68,104 
Performance Rated:
Residential mortgage
Performing$14,786 $41,275 $39,943 $13,523 $13,876 $100,601 $72 $224,076 
Nonperforming— — — — — 427 — 427 
Total Residential mortgage$14,786 $41,275 $39,943 $13,523 $13,876 $101,028 $72 $224,503 
Home equity lines of credit
Performing$— $18 $34 $— $12 $2,591 $75,621 $78,276 
Nonperforming— — — — — — 91 91 
Total Home equity lines of credit$— $18 $34 $— $12 $2,591 $75,712 $78,367 
Real estate construction
Performing$6,486 $222 $725 $160 $188 $888 $— $8,669 
Total Real estate construction$6,486 $222 $725 $160 $188 $888 $— $8,669 
Consumer
Performing$2,000 $1,521 $1,694 $465 $276 $778 $2,584 $9,318 
Total Consumer$2,000 $1,521 $1,694 $465 $276 $778 $2,584 $9,318 
Year-to-date gross charge-offs$— $4 $9 $— $1 $7 $197 $218 
Total Portfolio loans
Pass$180,103 $206,385 $214,657 $190,822 $82,314 $365,320 $59,572 $1,299,173 
Special Mention2,182 5,795 8,393 6,977 2,621 15,985 4,713 46,666 
Substandard— 763 2,988 677 1,487 8,174 3,361 17,450 
Performing23,272 43,036 42,396 14,148 14,352 104,858 78,277 320,339 
Nonperforming— — — — — 427 91 518 
Total Portfolio loans$205,557 $255,979 $268,434 $212,624 $100,774 $494,764 $146,014 $1,684,146 
Year-to-date gross charge-offs$— $42 $9 $— $1 $107 $197 $356 
Summary of allowance activity for loan losses and recorded investment in loans receivable
The following table presents the activity in the ACL by loan portfolio segment:
(In thousands)Commercial
Real Estate		Residential
Mortgage		Commercial
and
Industrial		Home Equity
Lines of
Credit		Real Estate
Construction		ConsumerTotal
Three Months Ended March 31, 2025    
Beginning balance - January 1, 2025$10,578 $2,976 $1,416 $294 $1,918 $98 $17,280 
Allowance established for acquired PCD loans798 140 194 13 169 150 1,464 
Charge-offs— — (14)— — (71)(85)
Recoveries— — 3 — — 16 19 
Provisions (reversal of)2,173 2,012 629 180 1,051 (77)5,968 
Ending balance -March 31, 2025$13,549 $5,128 $2,228 $487 $3,138 $116 $24,646 
Three Months Ended March 31, 2024    
Beginning balance - January 1, 2024$12,010 $3,303 $2,048 $397 $2,070 $141 $19,969 
Charge-offs— — — — — (60)(60)
Recoveries— — 15 — — 25 40 
Provisions (reversal of)230 (76)(103)(83)243 12 223 
Ending balance - March 31, 2024$12,240 $3,227 $1,960 $314 $2,313 $118 $20,172 
v3.25.1
Goodwill and Intangible Assets (Tables)
 3 Months Ended
Mar. 31, 2025
Business Combinations [Abstract]  
Schedule of Goodwill
The following table presents Goodwill at March 31, 2025 and December 31, 2024:
(In thousands)March 31, 2025December 31, 2024
Balance, beginning of year$44,185 $44,185 
Acquired goodwill20,264 — 
Balance, end of period$64,449 $44,185 
Schedule of Finite-Lived Intangible Assets [Table Text Block]
The following table presents intangible assets, net for the periods shown below:
Three Months Ended March 31,
(In thousands)20252024
Beginning of period$7,838 $9,082 
Acquired core deposit intangible18,854 — 
Amortization expense(857)(321)
Balance, end of period$25,835 $8,761 
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]
The following table shows the amortization expense of the intangible assets for future periods:
Year (In thousands)
Remainder of 2025$3,400 
20264,117 
20273,628 
20283,139 
20292,732 
Thereafter8,819 
$25,835 
v3.25.1
Deposits (Tables)
 3 Months Ended
Mar. 31, 2025
Deposits [Abstract]  
Deposit Liabilities, Type
Deposits were comprised of the following for the periods presented:
(In thousands)March 31, 2025December 31, 2024
Noninterest-bearing demand deposits$562,700 $451,503 
Interest-bearing demand deposits609,187 505,096 
Money market549,704 251,667 
Savings341,291 311,207 
Total demand and savings2,062,882 1,519,473 
Time477,127 273,028 
Total deposits$2,540,009 $1,792,501 
Time Deposit Maturities
Scheduled maturities of time deposits at March 31, 2025 are as follows:
Time Deposits
(In thousands)Less than $250,000$250,000 or more
Less than 1 year$349,879 $68,879 
1 - 2 years31,782 1,597 
2 - 3 years16,771 1,315 
3 - 4 years2,326 1,606 
4 - 5 years2,917 — 
Thereafter55 — 
Total time deposits$403,730 $73,397 
v3.25.1
Borrowings (Tables)
 3 Months Ended
Mar. 31, 2025
Debt Disclosure [Abstract]  
Schedule of short-term debt outstanding
Short-term borrowings and weighted-average interest rates for the periods presented:
March 31, 2025December 31, 2024
(In thousands)AmountRateAmountRate
Securities sold under repurchase agreements$14,059 0.19 %$15,826 0.23 %
FHLB advance25,000 4.43 — — 
Federal funds purchased5,129 4.33 — — 
$44,188 3.07 %$15,826 0.23 %
Schedule of long-term debt outstanding
Long-term borrowings and their weighted-average contractual rates were comprised of the following for the periods presented:
March 31, 2025December 31, 2024
(In thousands)AmountRateAmountRate
FHLB fixed-rate advances maturing:
2026$80,000 4.71 %$80,000 4.71 %
202790,000 4.55 90,000 4.55 
202835,000 4.23 35,000 4.23 
202930,000 4.25 30,000 4.25 
Trust preferred subordinated debt 1
5,343 6.25 5,333 6.25 
Subordinated debt15,000 4.00 15,000 4.00 
$255,343 4.52 %$255,333 4.52 %
________________________________________
1 Net of purchase accounting fair value mark.
v3.25.1
Derivative Financial Instruments (Tables)
 3 Months Ended
Mar. 31, 2025
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value
The following table presents the fair value of the Corporation’s derivative financial instruments as well as their classification on the Consolidated Statements of Condition as of March 31, 2025 and December 31, 2024:


March 31, 2025December 31, 2024
(In thousands)Notional
Amount		Asset (Liability)
Fair Value		Statements of Condition
Location		Notional
Amount		Asset
(Liability)
Fair Value
Interest rate lock commitments:
Assets$67,226 $1,472 Other Assets$— $— 
Liabilities— — Other Liabilities— — 
Forward commitments:
Assets4,079 — Other Assets— — 
Liabilities26,750 88 Other Liabilities— — 
Interest rate derivatives with customers:
Assets— — Other Assets— — 
Liabilities56,119 4,894 Other Liabilities— — 
Interest rate derivatives with dealer counterparties:
Assets56,119 4,894 Other Assets— — 
Liabilities— — Other Liabilities— — 
Derivative Instruments, Gain (Loss)
The following presents a summary of the fair value gains and losses on derivative financial instruments for the three months ended March 31, 2025 and 2024:
(In thousands)Three months ended
March 31, 2025		Three months ended
March 31, 2024		Consolidated Statements of (Loss) Income Classification
Interest Rate Lock Commitments$260 $— Gain from mortgage loans held for sale
Forward Commitments(15)— Gain from mortgage loans held for sale
v3.25.1
Fair Value Measurements (Tables)
 3 Months Ended
Mar. 31, 2025
Fair Value Disclosures [Abstract]  
Schedule of fair value measurements by level within the fair value hierarchy and the basis of measurement used
The following tables present assets measured at fair value and the basis of measurement used at the periods presented:
March 31, 2025
(In thousands)BasisLevel 1Level 2Level 3Total
Assets
Equity securities with readily determinable fair valuesRecurring$933 $— $— $933 
AFS Investment Securities:
U.S. Government and agencies — 145,648 — 145,648 
Collateralized mortgage obligations— 55,632 — 55,632 
Residential mortgage-backed securities— 147,224 — 147,224 
Commercial mortgage-backed securities — 77,109 — 77,109 
Corporate bonds — 30,206 — 30,206 
Total AFS Investment SecuritiesRecurring$— $455,819 $— $455,819 
Loans held for saleRecurring— 21,413 — 21,413 
Derivative assetsRecurring— 6,366 — 6,366 
Individually evaluated loansNon-recurring— — 1,750 1,750 
Foreclosed assets held for resaleNon-recurring— — 438 438 
Liabilities
Derivative liabilitiesRecurring$— $4,982 $— $4,982 
December 31, 2024
(In thousands)BasisLevel 1Level 2Level 3Total
Equity securities with readily determinable fair valuesRecurring$919 $— $— $919 
AFS Investment Securities:
U.S. Government and agencies — 143,193 — 143,193 
Collateralized mortgage obligations— 35,654 — 35,654 
Residential mortgage-backed securities— 138,540 — 138,540 
Commercial mortgage-backed securities — 60,785 — 60,785 
Corporate bonds — 15,803 — 15,803 
Total AFS Investment SecuritiesRecurring$— $393,975 $— $393,975 
Loans held for saleRecurring— 426 — 426
Individually evaluated loansNon-recurring— — 1,690 1,690 
Foreclosed assets held for resaleNon-recurring— — 438 438 
Schedule of additional quantitative information about assets measured at fair value on a nonrecurring basis
The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis for which the Corporation has utilized Level 3 inputs to determine fair value:
(Dollars in thousands)Fair Value Estimate
Valuation Technique 1
Unobservable Input 2
RangeWeighted Average
March 31, 2025
Individually evaluated loans$1,750 Appraisal of collateral Appraisal adjustments
16% – 100%
48%
Foreclosed assets held for resale438 Appraisal of collateralAppraisal adjustments
17% – 53%
50%
December 31, 2024
Individually evaluated loans$1,690 Appraisal of collateralAppraisal adjustments
16% – 100%
47%
Foreclosed assets held for resale438 Appraisal of collateralAppraisal adjustments
17% – 53%
50%
_______________________________________
1 Fair value is generally determined through management’s estimate or independent third-party appraisals of the underlying collateral, which generally includes various Level 3 inputs which are not observable.
2 Appraisals may be adjusted downward by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range of liquidation expenses and other appraisal adjustments are presented as a percentage of the appraisal. Higher downward adjustments are caused by negative changes to the collateral or conditions in the real estate market, actual offers or sales contracts received, and/or age of the appraisal.
Schedule of carrying amount, exit pricing concept fair value and placement in the fair value hierarchy
The following tables present the carrying amount and the estimated fair value of the Corporation’s financial instruments:
March 31, 2025
Carrying AmountEstimated Fair Value
(In thousands)TotalLevel 1Level 2Level 3
Financial assets:
Cash and due from banks$23,422 $23,422 $23,422 $— $— 
Interest-bearing deposits with banks100,141 100,141 100,141 — — 
Equity securities with readily determinable fair values933 933 933 — — 
Investment securities AFS455,819 455,819 — 455,819 — 
Investment securities HTM64,554 56,219 — 56,219 — 
Loans held for sale21,413 21,413 — 21,413 — 
Loans, net2,297,563 2,288,564 — — 2,288,564 
Accrued interest receivable11,720 11,720 — 11,720 — 
Restricted investment in bank stocks13,560 N/A— N/A— 
Derivative assets6,366 6,366 — 6,366 — 
Financial liabilities:
Demand deposits, savings, and money markets$2,062,882 $1,757,870 $— $1,757,870 $— 
Time deposits477,127 469,483 — 469,483 — 
Securities sold under repurchase agreements14,059 14,940 — 14,940 — 
Federal funds purchased5,129 5,214 — 5,214 — 
FHLB Advances260,000 262,678 — 262,678 — 
Trust preferred and subordinated debt20,343 18,581 — 18,581 — 
Accrued interest payable3,033 3,033 — 3,033 — 
Derivative liabilities4,982 4,982 — 4,982 — 
December 31, 2024
Carrying AmountEstimated Fair Value
(In thousands)TotalLevel 1Level 2Level 3
Financial assets:
Cash and due from banks$16,352 $16,352 $16,352 $— $— 
Interest-bearing deposits with banks30,910 30,910 30,910 — — 
Equity securities with readily determinable fair values919 919 919 — — 
Investment securities AFS393,975 393,975 — 393,975 — 
Investment securities HTM64,578 56,924 — 56,924 — 
Loans held for sale426 426 — 426 — 
Loans, net1,665,630 1,635,351 — — 1,635,351 
Accrued interest receivable8,189 8,189 — 8,189 — 
Restricted investment in bank stocks10,853 N/A— N/A— 
Financial liabilities:
Demand deposits, savings, and money markets$1,519,473 $1,269,889 $— $1,269,889 $— 
Time deposits273,028 267,336 — 267,336 — 
Securities sold under repurchase agreements15,826 16,435 — 16,435 — 
FHLB Advances235,000 235,290 — 235,290 — 
Trust preferred and subordinated debt20,333 18,420 — 18,420 — 
Accrued interest payable1,551 1,551 — 1,551 — 
v3.25.1
Stock-Based Compensation (Tables)
 3 Months Ended
Mar. 31, 2025
Share-Based Payment Arrangement [Abstract]  
Share-Based Payment Arrangement, Expensed and Capitalized, Amount
The following table presents compensation expense and the related tax benefits for equity awards recognized in the Consolidated Statements of (Loss) Income:
Three Months Ended March 31,
(In thousands)20252024
Compensation Expense$612 $534 
Tax benefit(138)(121)
Total stock-based compensation, net of tax$474 $413 
v3.25.1
Retirement Benefits (Tables)
 3 Months Ended
Mar. 31, 2025
Postemployment Benefits [Abstract]  
Schedule of net periodic benefit expense (income)
The components of net periodic benefit income related to the non-contributory, defined benefit pension plan were as follows:
 Three Months Ended March 31,
(In thousands)20252024
Service cost$91 $107 
Interest cost399 374 
Expected return on plan assets(685)(712)
Amortization of net loss— 19 
Net Periodic Benefit Income$(195)$(212)
v3.25.1
Commitment and Contingencies (Tables)
 3 Months Ended
Mar. 31, 2025
Risks and Uncertainties [Abstract]  
Schedule of Fair Value, off-Balance-Sheet Risks
A summary of the Corporation’s commitments were as follows:
(In thousands)March 31, 2025December 31, 2024
Commitments to extend credit$569,093 $372,839 
Standby letters of credit25,192 15,103 
v3.25.1
Accumulated Other Comprehensive Loss (Tables)
 3 Months Ended
Mar. 31, 2025
Stockholders' Equity Note [Abstract]  
Schedule of accumulated other comprehensive loss
The components of accumulated other comprehensive loss, net of taxes, are as follows:
(In thousands)Unrealized (Losses) Gains on SecuritiesPension
Liability		Accumulated Other
Comprehensive Loss
Balance at December 31, 2024$(38,160)$(3,508)$(41,668)
Unrealized gain on AFS securities, net of income tax6,157 — 6,157 
Amortization of unrealized losses on securities transferred to HTM, net of tax193 — 193 
Net current period other comprehensive income6,350 — 6,350 
Balance at March 31, 2025$(31,810)$(3,508)$(35,318)
Balance at December 31, 2023$(40,952)$(3,957)$(44,909)
Unrealized loss on AFS securities, net of income tax(2,198)— (2,198)
Realized gains on securities, net of income tax53 — 53 
Amortization of unrealized losses on securities transferred to HTM, net of tax215 — 215 
Amortization of pension net gain, net of tax— 15 15 
Net current period other comprehensive (loss) income(1,930)15 (1,915)
Balance at March 31, 2024$(42,882)$(3,942)$(46,824)
v3.25.1
Segment Reporting (Tables)
 3 Months Ended
Mar. 31, 2025
Segment Reporting [Abstract]  
Schedule of Segment Information
Segment information as of and for the periods listed below is as follows:

(In thousands)BankingInsurance
Other1
Consolidated
Three Months Ended March 31, 2025   
Interest income$36,290 $1 $(1)$36,290 
Noninterest income5,025 2,147 12 7,184 
Total consolidated revenues43,474 
Interest expense8,951 — 2499,200 
Provision for credit losses and unfunded commitments
5,488 — — 5,488 
Depreciation and amortization expense1,250 195 — 1,445 
Salaries and employee benefits11,298 1,462 10112,861 
Other noninterest expense2
14,564 336 12915,029 
(Loss) income before income taxes(236)155 (468)(549)
Income tax (benefit) expense(227)42 (92)(277)
Net (loss) income$(9)$113 $(376)$(272)
Total assets$3,252,111 $22,437 $(4,507)$3,270,041 
Goodwill$56,064 $8,385 $— $64,449 
Capital expenditures$654 $5 $— $659 
Three Months Ended March 31, 2024   
Interest income$25,965 $1 $8 $25,974 
Noninterest income3,552 2,115 — 5,667 
Total consolidated revenues31,641 
Interest expense5,118 — 2635,381 
Provision for credit losses and unfunded commitments
72 — — 72 
Depreciation and amortization expense567 199 — 766 
Salaries and employee benefits9,617 1,453 9811,168 
Other noninterest expense2
5,189 392 1475,728 
Income (loss) before income taxes8,954 72 (500)8,526 
Income tax expense (benefit) 1,843 20 (105)1,758 
Net income (loss)$7,111 $52 $(395)$6,768 
Total assets$2,395,476 $21,896 $(3,084)$2,414,288 
Goodwill$35,800 $8,385 $— $44,185 
Capital expenditures$78 $— $— $78 
______________________________________
1Includes the holding company and intercompany eliminations, including the intersegment elimination of interest income and interest expense.
2Other noninterest expense for Banking includes equipment, net occupancy, professional services, other tax, FDIC and regulatory and merger-related expenses.
Other noninterest expense for Insurance includes equipment, net occupancy and professional services expenses.
v3.25.1
Basis of Presentation and Nature of Operations (Details)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
USD ($)
bank
shares
Dec. 31, 2024
USD ($)
shares
Mar. 31, 2024
USD ($)
Business Acquisition [Line Items]      
Number of community banking office locations, ACNB | bank 33    
Common stock, shares outstanding (in shares) | shares 10,543,671 8,553,785  
Total assets | $ $ 3,270,041 $ 2,394,830 $ 2,414,288
Loans | $ 2,323,938 1,684,146  
Total deposits | $ $ 2,540,009 $ 1,792,501  
Adams, Cumberland, Franklin, Lancaster and York Counties, Pennsylvania      
Business Acquisition [Line Items]      
Number of community banking office locations, ACNB | bank 24    
Carroll and Frederick Counties, Maryland      
Business Acquisition [Line Items]      
Number of community banking office locations, ACNB | bank 9    
v3.25.1
Business Combination - Narrative (Details) - USD ($)
$ / shares in Units, $ in Thousands
 2 Months Ended 3 Months Ended
Feb. 01, 2025
Feb. 01, 2025
Mar. 31, 2025
Mar. 31, 2025
Mar. 31, 2024
Jan. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Business Acquisition [Line Items]                
Goodwill     $ 64,449 $ 64,449 $ 44,185   $ 44,185 $ 44,185
Proceeds from sales of investment securities available for sale       97,883 14,336      
Repayments of Long-term Debt       40,188 0      
Merger-related       $ 8,031 $ 0      
FHLB Borrowings                
Business Acquisition [Line Items]                
Debt Securities, Available-for-Sale, Weighted Average Yield 5.07% 5.07%            
Debt, Cost, Percentage 4.73% 4.73%            
Repayments of Long-term Debt   $ 40,200            
Traditions Bancorp, Inc.                
Business Acquisition [Line Items]                
Business Combination, Consideration Transferred, Equity Interests Issued and Issuable, Entity Shares Issued Per Acquiree Share   0.7300            
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares   2,035,246            
Business Acquisition, Share Price $ 41.10 $ 41.10            
Business Combination, Consideration Transferred   $ 83,806            
Business Combination, Pro Forma Information, Net Interest Income of Acquiree since Acquisition Date, Actual     5,900          
Business Combination, Pro Forma Information, Income Before Income Taxes since Acquisition Date, Actual     $ 2,100          
Goodwill $ 20,264 20,264            
Proceeds from sales of investment securities available for sale   $ 98,000            
Debt Securities, Available-for-Sale, Weighted Average Yield 5.03% 5.03%            
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans, Gross $ (25,343)              
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Deferred Income 635              
Financing Receivable, Purchased with Credit Deterioration, Allowance for Credit Loss at Acquisition Date   $ 6,900            
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Equipment (362)              
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles 18,854 $ 18,854       $ 0    
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Noncurrent Assets 1,398              
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Deposits (215)              
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Allowance For Unfunded Commitments 852              
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Noncurrent Liabilities, Other (41)              
Acquired Finite-Lived Intangible Assets, Weighted Average Useful Life   10 years            
Traditions Bancorp, Inc. | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration                
Business Acquisition [Line Items]                
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans, Gross 21,600              
Traditions Bancorp, Inc. | Financial Asset Acquired with Credit Deterioration                
Business Acquisition [Line Items]                
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans, Gross $ 4,400              
Traditions Bancorp, Inc. | PCD Non-Accruing                
Business Acquisition [Line Items]                
Financing Receivable, Purchased with Credit Deterioration, Allowance for Credit Loss at Acquisition Date   $ 5,500            
Traditions Bancorp, Inc. | PCD Accruing                
Business Acquisition [Line Items]                
Financing Receivable, Purchased with Credit Deterioration, Allowance for Credit Loss at Acquisition Date   $ 1,500            
v3.25.1
Business Combination - Schedule of Assets and Liabilities Acquired (Details) - Traditions Bancorp, Inc. - USD ($)
$ in Thousands
Feb. 01, 2025
Feb. 01, 2025
Jan. 31, 2025
Business Acquisition [Line Items]      
Business Combination, Consideration Transferred, Equity Interests Issued and Issuable   $ 83,649  
Payments to Acquire Businesses, Gross   157  
Business Combination, Consideration Transferred   83,806  
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents $ 36,363 36,363 $ 36,363
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Investment Securities 97,666 97,666 98,484
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Investment Securities (818)    
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Loan Held-for-Sale 12,512 12,512 12,512
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Loans, Gross 648,462 648,462 673,805
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans, Gross (25,343)    
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Loans, Allowance for Credit Losses (1,464) (1,464) (4,045)
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans, Allowance for Credit Losses 2,581    
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Loans, Net 646,998 646,998 669,760
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans, Net (22,762)    
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Equipment 6,873 6,873 7,235
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Equipment (362)    
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Right of Use Asset 2,932 2,932 2,932
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Restricted Investment in Bank Stocks 3,323 3,323 3,323
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Investment in Bank-Owned Life Insurance 16,384 16,384 16,384
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles 18,854 18,854 0
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Intangibles 18,854    
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Other Noncurrent Assets 15,545 15,545 14,147
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Noncurrent Assets 1,398    
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets 857,450 857,450 861,140
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Assets (3,690)    
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Deposits 741,508 741,508 741,723
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Deposits (215)    
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Borrowings 188    
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Borrowings 40,188 40,188 40,000
Business Combination, Recognized Identifiable Asset Acquired and Liability Assumed, Lease Obligation 3,125 3,125 3,125
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Allowance for Unfunded Commitments 970 970 118
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Allowance For Unfunded Commitments 852    
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Noncurrent Liabilities, Other 8,117 8,117 8,158
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Noncurrent Liabilities, Other (41)    
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities 793,908 793,908 793,124
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Liabilities 784    
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Consideration Transferred (4,474)    
Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Net $ 63,542 $ 63,542 $ 68,016
v3.25.1
Business Combination - PCD Loans Acquired (Details) - Traditions Bancorp, Inc.
$ in Thousands
Feb. 01, 2025
USD ($)
Business Acquisition [Line Items]  
Financing Receivable, Purchased with Credit Deterioration, Amount at Par Value $ 143,015
Financing Receivable, Purchased with Credit Deterioration, Discount (Premium) (5,887)
Financing Receivable, Purchased with Credit Deterioration, Allowance for Credit Loss at Acquisition Date 1,464
Financing Receivable, Purchased with Credit Deterioration, Amount at Purchase Price 138,592
PCD Accruing  
Business Acquisition [Line Items]  
Financing Receivable, Purchased with Credit Deterioration, Amount at Par Value 140,053
Financing Receivable, Purchased with Credit Deterioration, Discount (Premium) (5,359)
Financing Receivable, Purchased with Credit Deterioration, Allowance for Credit Loss at Acquisition Date 1,464
Financing Receivable, Purchased with Credit Deterioration, Amount at Purchase Price 136,158
PCD Non-Accruing  
Business Acquisition [Line Items]  
Financing Receivable, Purchased with Credit Deterioration, Amount at Par Value 2,962
Financing Receivable, Purchased with Credit Deterioration, Discount (Premium) (528)
Financing Receivable, Purchased with Credit Deterioration, Allowance for Credit Loss at Acquisition Date 0
Financing Receivable, Purchased with Credit Deterioration, Amount at Purchase Price $ 2,434
v3.25.1
Business Combination - Pro Forma Information (Details) - Traditions Bancorp, Inc. - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Business Acquisition [Line Items]    
Business Acquisition, Pro Forma Net Income (Loss) $ 11,430 $ 9,257
Business Acquisition, Pro Forma Net Interest Income $ 31,148 $ 28,752
v3.25.1
Earnings Per Share and Restricted Stock (Details)
 3 Months Ended
Mar. 31, 2025
$ / shares
shares
Sep. 30, 2024
shares
Mar. 31, 2024
$ / shares
shares
Oct. 18, 2022
shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Weighted average shares of common stock outstanding, basic (in shares) 9,806,299   8,493,104  
Dilutive effect of unvested shares (in shares) 17,176   18,544  
Weighted average shares of common stock outstanding, diluted (in shares) 9,823,475   8,511,648  
Basic (loss) earnings (in dollars per share) | $ / shares $ (0.03)   $ 0.80  
Diluted (loss) earnings (in dollars per share) | $ / shares $ (0.03)   $ 0.80  
Common stock shares repurchased (in shares)   75,872    
Stock Repurchase Plan        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Stock Repurchase Program, Number of Shares Authorized to be Repurchased       255,575
Stock Repurchase Program, Number of Shares Authorized to be Repurchased, Percentage of Outstanding Shares       0.03
Common stock shares repurchased (in shares) 143,780      
v3.25.1
Investment Securities - Schedule of Required Fair Value Disclosures for Equity Securities (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Dec. 31, 2024
Equity Securities, FV-NI, Realized Gain (Loss) [Roll Forward]      
Fair value at beginning of period $ 919 $ 928 $ 928
Gains (Losses) 14 (10) (9)
Fair value at end of period 933   919
CRA Mutual Fund      
Equity Securities, FV-NI, Realized Gain (Loss) [Roll Forward]      
Fair value at beginning of period 919 $ 928 928
Gains (Losses)     (9)
Fair value at end of period $ 933   $ 919
v3.25.1
Investment Securities - Schedule of Amortized Cost and Fair Value of Securities (Details) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Debt Securities, Available-for-Sale, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]    
Available-for-sale, Amortized Cost $ 495,525 $ 441,638
Gross Unrealized Gains 541 2
Gross Unrealized Losses 40,247 47,665
Investment securities available for sale, at estimated fair value 455,819 393,975
Held to Maturity    
Held to Maturity, Amortized Cost 64,554 64,578
Gross Unrealized Gains 0 0
Gross Unrealized Losses 8,335 7,654
Fair Value 56,219 56,924
U.S. Government and agencies    
Debt Securities, Available-for-Sale, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]    
Available-for-sale, Amortized Cost 159,443 159,799
Gross Unrealized Gains 0 0
Gross Unrealized Losses 13,795 16,606
Investment securities available for sale, at estimated fair value 145,648 143,193
Collateralized mortgage obligations    
Debt Securities, Available-for-Sale, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]    
Available-for-sale, Amortized Cost 58,652 39,540
Gross Unrealized Gains 131 0
Gross Unrealized Losses 3,151 3,886
Investment securities available for sale, at estimated fair value 55,632 35,654
Residential mortgage-backed securities    
Debt Securities, Available-for-Sale, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]    
Available-for-sale, Amortized Cost 164,592 159,349
Gross Unrealized Gains 51 2
Gross Unrealized Losses 17,419 20,811
Investment securities available for sale, at estimated fair value 147,224 138,540
Held to Maturity    
Held to Maturity, Amortized Cost 1,569 1,740
Gross Unrealized Gains 0 0
Gross Unrealized Losses 53 68
Fair Value 1,516 1,672
Commercial mortgage-backed securities    
Debt Securities, Available-for-Sale, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]    
Available-for-sale, Amortized Cost 81,013 65,350
Gross Unrealized Gains 312 0
Gross Unrealized Losses 4,216 4,565
Investment securities available for sale, at estimated fair value 77,109 60,785
Corporate bonds    
Debt Securities, Available-for-Sale, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]    
Available-for-sale, Amortized Cost 31,825 17,600
Gross Unrealized Gains 47 0
Gross Unrealized Losses 1,666 1,797
Investment securities available for sale, at estimated fair value 30,206 15,803
State and municipal    
Held to Maturity    
Held to Maturity, Amortized Cost 62,985 62,838
Gross Unrealized Gains 0 0
Gross Unrealized Losses 8,282 7,586
Fair Value $ 54,703 $ 55,252
v3.25.1
Investment Securities - Schedule of Unrealized Losses and Fair Value (Details) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Available for Sale    
Fair Value, Less than 12 Months $ 9,873 $ 34,552
Unrealized Losses, Less than 12 Months 20 99
Fair Value, 12 Months or More 359,861 359,201
Unrealized Losses, 12 Months or More 40,227 47,566
Total Fair Value 369,734 393,753
Total Unrealized Losses 40,247 47,665
Held to Maturity    
Fair Value, Less than 12 Months 0 0
Unrealized Losses, Less than 12 Months 0 0
Fair Value, 12 Months or More 56,219 56,924
Unrealized Losses, 12 Months or More 8,335 7,654
Total Fair Value 56,219 56,924
Total Unrealized Losses 8,335 7,654
U.S. Government and agencies    
Available for Sale    
Fair Value, Less than 12 Months 0 0
Unrealized Losses, Less than 12 Months 0 0
Fair Value, 12 Months or More 145,648 143,193
Unrealized Losses, 12 Months or More 13,795 16,606
Total Fair Value 145,648 143,193
Total Unrealized Losses 13,795 16,606
Collateralized mortgage obligations    
Available for Sale    
Fair Value, Less than 12 Months 5,702 0
Unrealized Losses, Less than 12 Months 6 0
Fair Value, 12 Months or More 35,162 35,654
Unrealized Losses, 12 Months or More 3,145 3,886
Total Fair Value 40,864 35,654
Total Unrealized Losses 3,151 3,886
Residential mortgage-backed securities    
Available for Sale    
Fair Value, Less than 12 Months 2,710 2,692
Unrealized Losses, Less than 12 Months 0 26
Fair Value, 12 Months or More 134,660 135,626
Unrealized Losses, 12 Months or More 17,419 20,785
Total Fair Value 137,370 138,318
Total Unrealized Losses 17,419 20,811
Held to Maturity    
Fair Value, Less than 12 Months 0 0
Unrealized Losses, Less than 12 Months 0 0
Fair Value, 12 Months or More 1,516 1,672
Unrealized Losses, 12 Months or More 53 68
Total Fair Value 1,516 1,672
Total Unrealized Losses 53 68
Commercial mortgage-backed securities    
Available for Sale    
Fair Value, Less than 12 Months 1,461 31,860
Unrealized Losses, Less than 12 Months 14 73
Fair Value, 12 Months or More 28,956 28,925
Unrealized Losses, 12 Months or More 4,202 4,492
Total Fair Value 30,417 60,785
Total Unrealized Losses 4,216 4,565
Corporate bonds    
Available for Sale    
Fair Value, Less than 12 Months 0 0
Unrealized Losses, Less than 12 Months 0 0
Fair Value, 12 Months or More 15,435 15,803
Unrealized Losses, 12 Months or More 1,666 1,797
Total Fair Value 15,435 15,803
Total Unrealized Losses 1,666 1,797
State and municipal    
Held to Maturity    
Fair Value, Less than 12 Months 0 0
Unrealized Losses, Less than 12 Months 0 0
Fair Value, 12 Months or More 54,703 55,252
Unrealized Losses, 12 Months or More 8,282 7,586
Total Fair Value 54,703 55,252
Total Unrealized Losses $ 8,282 $ 7,586
v3.25.1
Investment Securities - Narrative (Details) - USD ($)
$ in Millions
Mar. 31, 2025
Dec. 31, 2024
Debt Securities, Available-for-sale [Line Items]    
Carrying value of securities pledged as collateral as required by law on public and trust deposits, repurchase agreements, and for other purposes $ 171.0 $ 157.3
v3.25.1
Investment Securities - Schedule of Amortized Cost and Fair Value by Contractual Maturity (Details) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Available for Sale Amortized Cost    
1 year or less $ 18,694  
Over 1 year through 5 years 103,172  
Over 5 years through 10 years 67,402  
Over 10 years 2,007  
Mortgage-backed securities 304,250  
Available-for-sale, Amortized Cost 495,525 $ 441,638
Available for Sale Fair Value    
1 year or less 18,413  
Over 1 year through 5 years 95,682  
Over 5 years through 10 years 60,213  
Over 10 years 1,553  
Mortgage-backed securities 279,958  
Available for Sale, Fair Value 455,819 393,975
Held-to-Maturity Amortized Cost    
1 year or less 0  
Over 1 year through 5 years 4,185  
Over 5 years through 10 years 30,375  
Over 10 years 28,424  
Mortgage-backed securities 1,570  
Held to Maturity, Amortized Cost 64,554 64,578
Held-to-Maturity Fair Value    
1 year or less 0  
Over 1 year through 5 years 3,755  
Over 5 years through 10 years 28,491  
Over 10 years 22,457  
Mortgage-backed securities 1,516  
Held to Maturity, Fair Value $ 56,219 $ 56,924
v3.25.1
Investment Securities - Gain (Loss) on Securities (Details) - USD ($)
$ in Thousands
 2 Months Ended 3 Months Ended
Mar. 31, 2025
Mar. 31, 2025
Mar. 31, 2024
Investments, Debt and Equity Securities [Abstract]      
Proceeds from sales $ 97,700 $ 97,883 $ 14,336
Proceeds from calls   500 1,984
Gross gains   0 87
Gross losses   $ 0 $ 18
v3.25.1
Loans and Allowance for Credit Losses - Schedule of the Composition of the Loan Portfolio (Details) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Financing Receivable, Allowance for Credit Loss [Line Items]    
Loans $ 2,323,938 $ 1,684,146
Financing Receivable, Unearned Income, before Allowance for Credit Loss (1,729) (1,236)
Total loans, net of unearned income 2,322,209 1,682,910
Commercial real estate    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Loans 1,254,402 969,514
Residential mortgage    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Loans 591,488 401,950
Commercial and industrial    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Loans 220,774 140,906
Home equity lines of credit    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Loans 119,085 85,685
Real estate construction    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Loans 127,663 76,773
Consumer    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Loans $ 10,526 $ 9,318
v3.25.1
Loans and Allowance for Credit Losses - Schedule of Loan Portfolio Summarized by the Past Due Status (Details) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Financing Receivable, Past Due [Line Items]    
Loans $ 2,323,938 $ 1,684,146
Financing Receivable, 90 Days or More Past Due, Accruing 1,987 941
30–59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 13,085 2,376
60–89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 1,742 1,567
≥ 90 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 3,094 1,410
Total Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 17,921 5,353
Current    
Financing Receivable, Past Due [Line Items]    
Loans 2,306,017 1,678,793
Commercial real estate    
Financing Receivable, Past Due [Line Items]    
Loans 1,254,402 969,514
Financing Receivable, 90 Days or More Past Due, Accruing 0 0
Commercial real estate | 30–59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 245 763
Commercial real estate | 60–89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 527
Commercial real estate | ≥ 90 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 444 314
Commercial real estate | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 689 1,604
Commercial real estate | Current    
Financing Receivable, Past Due [Line Items]    
Loans 1,253,713 967,910
Residential mortgage    
Financing Receivable, Past Due [Line Items]    
Loans 591,488 401,950
Financing Receivable, 90 Days or More Past Due, Accruing 1,987 850
Residential mortgage | 30–59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 10,968 953
Residential mortgage | 60–89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 1,270 987
Residential mortgage | ≥ 90 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 2,506 850
Residential mortgage | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 14,744 2,790
Residential mortgage | Current    
Financing Receivable, Past Due [Line Items]    
Loans 576,744 399,160
Commercial and industrial    
Financing Receivable, Past Due [Line Items]    
Loans 220,774 140,906
Financing Receivable, 90 Days or More Past Due, Accruing 0 0
Commercial and industrial | 30–59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 12 437
Commercial and industrial | 60–89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 378 24
Commercial and industrial | ≥ 90 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 144 155
Commercial and industrial | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 534 616
Commercial and industrial | Current    
Financing Receivable, Past Due [Line Items]    
Loans 220,240 140,290
Home equity lines of credit    
Financing Receivable, Past Due [Line Items]    
Loans 119,085 85,685
Financing Receivable, 90 Days or More Past Due, Accruing 0 91
Home equity lines of credit | 30–59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 999 161
Home equity lines of credit | 60–89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 72 0
Home equity lines of credit | ≥ 90 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 91
Home equity lines of credit | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 1,071 252
Home equity lines of credit | Current    
Financing Receivable, Past Due [Line Items]    
Loans 118,014 85,433
Real estate construction    
Financing Receivable, Past Due [Line Items]    
Loans 127,663 76,773
Financing Receivable, 90 Days or More Past Due, Accruing 0 0
Real estate construction | 30–59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 735 15
Real estate construction | 60–89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 11
Real estate construction | ≥ 90 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 0
Real estate construction | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 735 26
Real estate construction | Current    
Financing Receivable, Past Due [Line Items]    
Loans 126,928 76,747
Consumer    
Financing Receivable, Past Due [Line Items]    
Loans 10,526 9,318
Financing Receivable, 90 Days or More Past Due, Accruing 0 0
Consumer | 30–59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 126 47
Consumer | 60–89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 22 18
Consumer | ≥ 90 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 0
Consumer | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 148 65
Consumer | Current    
Financing Receivable, Past Due [Line Items]    
Loans $ 10,378 $ 9,253
v3.25.1
Loans and Allowance for Credit Losses - Schedule of Nonaccrual Loans by Classes of the Loan Portfolio (Details) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Financing Receivable, Nonaccrual [Line Items]    
Total nonaccrual loans $ 8,062 $ 5,871
With a Related Allowance 2,318 2,395
Without a Related Allowance 5,744 3,476
Financing Receivable, 90 Days or More Past Due, Accruing 1,987 941
Financing Receivable, Nonperforming Loans 10,049 6,812
Commercial real estate    
Financing Receivable, Nonaccrual [Line Items]    
Total nonaccrual loans 4,040 3,564
With a Related Allowance 295 314
Without a Related Allowance 3,745 3,250
Financing Receivable, 90 Days or More Past Due, Accruing 0 0
Residential mortgage    
Financing Receivable, Nonaccrual [Line Items]    
Total nonaccrual loans 1,401 0
With a Related Allowance 0 0
Without a Related Allowance 1,401 0
Financing Receivable, 90 Days or More Past Due, Accruing 1,987 850
Commercial and industrial    
Financing Receivable, Nonaccrual [Line Items]    
Total nonaccrual loans 2,613 2,307
With a Related Allowance 2,023 2,081
Without a Related Allowance 590 226
Financing Receivable, 90 Days or More Past Due, Accruing 0 0
Home equity lines of credit    
Financing Receivable, Nonaccrual [Line Items]    
Total nonaccrual loans 8 0
With a Related Allowance 0 0
Without a Related Allowance 8 0
Financing Receivable, 90 Days or More Past Due, Accruing $ 0 $ 91
v3.25.1
Loans and Allowance for Credit Losses - Narrative (Details) - USD ($)
$ in Thousands
 3 Months Ended
Feb. 01, 2025
Mar. 31, 2025
Mar. 31, 2024
Jan. 31, 2025
Dec. 31, 2024
Financing Receivable [Line Items]          
Consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process   $ 269     $ 373
Provision for credit losses   $ 5,488 $ 72    
Default period   12 months      
Past due period   90 days      
Traditions Bancorp, Inc.          
Financing Receivable [Line Items]          
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Loans, Gross $ 648,462     $ 673,805  
Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans, Gross $ 25,343        
v3.25.1
Loans and Allowance for Credit Losses - Summary of Amortized Cost Basis of Individually Evaluated Loans (Details) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Business Assets    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Financing Receivable, Individually Evaluated for Impairment $ 2,237 $ 2,307
Real Estate    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Financing Receivable, Individually Evaluated for Impairment 5,825 3,564
Commercial real estate | Business Assets    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Financing Receivable, Individually Evaluated for Impairment 0 0
Commercial real estate | Real Estate    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Financing Receivable, Individually Evaluated for Impairment 4,040 3,564
Residential mortgage | Business Assets    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Financing Receivable, Individually Evaluated for Impairment 0 0
Residential mortgage | Real Estate    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Financing Receivable, Individually Evaluated for Impairment 1,401 0
Commercial and industrial | Business Assets    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Financing Receivable, Individually Evaluated for Impairment 2,237 2,307
Commercial and industrial | Real Estate    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Financing Receivable, Individually Evaluated for Impairment 376 0
Home equity lines of credit | Business Assets    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Financing Receivable, Individually Evaluated for Impairment 0 0
Home equity lines of credit | Real Estate    
Financing Receivable, Allowance for Credit Loss [Line Items]    
Financing Receivable, Individually Evaluated for Impairment $ 8 $ 0
v3.25.1
Loans and Allowance for Credit Losses - Modifications (Details)
$ in Thousands
 12 Months Ended
Mar. 31, 2025
USD ($)
Financing Receivable, Modified [Line Items]  
Loans modified 0
Current  
Financing Receivable, Modified [Line Items]  
Loans modified 4,041
30-89 Days Past Due  
Financing Receivable, Modified [Line Items]  
Loans modified 0
≥ 90 Days Past Due  
Financing Receivable, Modified [Line Items]  
Loans modified 0
Commercial real estate  
Financing Receivable, Modified [Line Items]  
Loans modified 0
Commercial real estate | Current  
Financing Receivable, Modified [Line Items]  
Loans modified 2,293
Commercial real estate | 30-89 Days Past Due  
Financing Receivable, Modified [Line Items]  
Loans modified 0
Commercial real estate | ≥ 90 Days Past Due  
Financing Receivable, Modified [Line Items]  
Loans modified 0
Commercial and industrial  
Financing Receivable, Modified [Line Items]  
Loans modified 0
Commercial and industrial | Current  
Financing Receivable, Modified [Line Items]  
Loans modified 1,748
Commercial and industrial | 30-89 Days Past Due  
Financing Receivable, Modified [Line Items]  
Loans modified 0
Commercial and industrial | ≥ 90 Days Past Due  
Financing Receivable, Modified [Line Items]  
Loans modified 0
v3.25.1
Loans and Allowance for Credit Losses - Schedule of Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating and Performance Status (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended 12 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Jun. 30, 2024
Dec. 31, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year $ 49,950     $ 205,557
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 309,865     255,979
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 335,052     268,434
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 390,631     212,624
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 311,269     100,774
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 717,387     494,764
Financing Receivable, Revolving 209,784     146,014
Loans 2,323,938     1,684,146
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff 0   $ 0  
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 0   42  
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 0   9  
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 5   0  
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0   1  
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Writeoff 21   107  
Financing Receivable, Revolving, Writeoff 59   197  
Financing Receivable, Allowance for Credit Loss, Writeoff 85 $ 60 $ 356  
Pass        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 39,333     180,103
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 241,007     206,385
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 267,303     214,657
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 283,031     190,822
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 260,293     82,314
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 546,510     365,320
Financing Receivable, Revolving 80,689     59,572
Loans 1,718,166     1,299,173
Special Mention        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 423     2,182
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 2,309     5,795
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 3,232     8,393
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 8,215     6,977
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 6,497     2,621
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 19,381     15,985
Financing Receivable, Revolving 7,406     4,713
Loans 47,463     46,666
Substandard        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 0     0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 0     763
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 752     2,988
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 3,305     677
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 640     1,487
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 10,426     8,174
Financing Receivable, Revolving 3,375     3,361
Loans 18,498     17,450
Performing Loans        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 10,194     23,272
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 66,349     43,036
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 63,642     42,396
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 94,512     14,148
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 43,682     14,352
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 139,731     104,858
Financing Receivable, Revolving 118,306     78,277
Loans 536,416     320,339
Nonperforming Loans        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 0     0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 200     0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 123     0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 1,568     0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 157     0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 1,339     427
Financing Receivable, Revolving 8     91
Loans 3,395     518
Commercial real estate        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loans 1,254,402     969,514
Financing Receivable, Allowance for Credit Loss, Writeoff 0 0    
Commercial real estate | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 16,079     122,876
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 159,626     139,821
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 185,692     169,379
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 222,914     128,073
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 183,938     59,070
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 468,450     331,671
Financing Receivable, Revolving 17,703     18,624
Loans 1,254,402     969,514
Commercial real estate | Pass | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 16,020     120,989
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 157,604     135,995
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 182,846     164,167
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 217,778     121,092
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 177,509     55,408
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 444,223     312,999
Financing Receivable, Revolving 16,378     17,276
Loans 1,212,358     927,926
Commercial real estate | Special Mention | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 59     1,887
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 2,022     3,826
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 2,846     2,880
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 2,859     6,639
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 6,091     2,177
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 14,916     11,613
Financing Receivable, Revolving 1,280     1,303
Loans 30,073     30,325
Commercial real estate | Substandard | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 0     0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 0     0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 0     2,332
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 2,277     342
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 338     1,485
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 9,311     7,059
Financing Receivable, Revolving 45     45
Loans 11,971     11,263
Residential mortgage        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loans 591,488     401,950
Financing Receivable, Allowance for Credit Loss, Writeoff 0 0    
Residential mortgage | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 9,565     28,017
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 31,666     37,495
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 38,129     23,450
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 26,773     38,994
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 40,175     13,812
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 64,191     35,098
Financing Receivable, Revolving 633     581
Loans 211,132     177,447
Residential mortgage | Performance Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 6,358     14,786
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 32,642     41,275
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 61,684     39,943
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 92,979     13,523
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 43,267     13,876
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 136,663     101,028
Financing Receivable, Revolving 6,763     72
Loans 380,356     224,503
Residential mortgage | Pass | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 9,326     27,887
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 31,536     35,566
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 37,684     23,095
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 26,423     38,848
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 40,031     13,446
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 60,995     31,784
Financing Receivable, Revolving 510     466
Loans 206,505     171,092
Residential mortgage | Special Mention | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 239     130
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 130     1,692
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 209     167
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 165     146
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 144     366
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 3,129     3,246
Financing Receivable, Revolving 123     115
Loans 4,139     5,862
Residential mortgage | Substandard | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 0     0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 0     237
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 236     188
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 185     0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 0     0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 67     68
Financing Receivable, Revolving 0     0
Loans 488     493
Residential mortgage | Performing Loans | Performance Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 6,358     14,786
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 32,442     41,275
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 61,561     39,943
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 91,411     13,523
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 43,110     13,876
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 135,324     100,601
Financing Receivable, Revolving 6,763     72
Loans 376,969     224,076
Residential mortgage | Nonperforming Loans | Performance Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 0     0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 200     0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 123     0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 1,568     0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 157     0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 1,339     427
Financing Receivable, Revolving 0     0
Loans 3,387     427
Commercial and industrial        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loans 220,774     140,906
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff 0      
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 0      
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 0      
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0      
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0      
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Writeoff 14      
Financing Receivable, Revolving, Writeoff 0      
Financing Receivable, Allowance for Credit Loss, Writeoff 14 0    
Commercial and industrial | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 2,658     10,165
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 21,523     10,702
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 22,716     20,298
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 31,540     30,200
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 41,426     13,242
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 41,981     20,414
Financing Receivable, Revolving 58,930     35,885
Loans 220,774     140,906
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff       0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff       38
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff       0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff       0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff       0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Writeoff       100
Financing Receivable, Revolving, Writeoff       0
Financing Receivable, Allowance for Credit Loss, Writeoff 14     138
Commercial and industrial | Pass | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 2,533     10,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 21,366     10,067
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 22,067     19,584
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 30,510     29,673
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 40,958     13,162
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 40,128     18,976
Financing Receivable, Revolving 50,366     30,015
Loans 207,928     131,477
Commercial and industrial | Special Mention | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 125     165
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 157     109
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 133     246
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 187     192
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 166     78
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 870     459
Financing Receivable, Revolving 5,234     2,554
Loans 6,872     3,803
Commercial and industrial | Substandard | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 0     0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 0     526
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 516     468
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 843     335
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 302     2
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 983     979
Financing Receivable, Revolving 3,330     3,316
Loans 5,974     5,626
Home equity lines of credit        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loans 119,085     85,685
Financing Receivable, Allowance for Credit Loss, Writeoff 0 0    
Home equity lines of credit | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 0     0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 0     294
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 292     92
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 90     0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 129     0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 344     507
Financing Receivable, Revolving 8,383     6,425
Loans 9,238     7,318
Home equity lines of credit | Performance Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 0     0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 0     18
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 17     34
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 33     0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 0     12
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 2,457     2,591
Financing Receivable, Revolving 107,340     75,712
Loans 109,847     78,367
Home equity lines of credit | Pass | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 0     0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 0     294
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 292     92
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 90     0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 33     0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 338     501
Financing Receivable, Revolving 7,660     5,729
Loans 8,413     6,616
Home equity lines of credit | Special Mention | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 0     0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 0     0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 0     0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 0     0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 96     0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 0     0
Financing Receivable, Revolving 723     696
Loans 819     696
Home equity lines of credit | Substandard | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 0     0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 0     0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 0     0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 0     0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 0     0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 6     6
Financing Receivable, Revolving 0     0
Loans 6     6
Home equity lines of credit | Performing Loans | Performance Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 0     0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 0     18
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 17     34
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 33     0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 0     12
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 2,457     2,591
Financing Receivable, Revolving 107,332     75,621
Loans 109,839     78,276
Home equity lines of credit | Nonperforming Loans | Performance Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 0     0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 0     0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 0     0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 0     0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 0     0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 0     0
Financing Receivable, Revolving 8     91
Loans 8     91
Real estate construction        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loans 127,663     76,773
Financing Receivable, Allowance for Credit Loss, Writeoff 0 0    
Real estate construction | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 11,454     21,227
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 30,501     24,631
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 24,458     12,819
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 13,234     1,209
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 1,762     298
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 1,351     1,789
Financing Receivable, Revolving 5,821     6,131
Loans 88,581     68,104
Real estate construction | Performance Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 3,504     6,486
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 32,111     222
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 723     725
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 1,528     160
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 156     188
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 1,060     888
Financing Receivable, Revolving 0     0
Loans 39,082     8,669
Real estate construction | Pass | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 11,454     21,227
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 30,501     24,463
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 24,414     7,719
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 8,230     1,209
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 1,762     298
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 826     1,060
Financing Receivable, Revolving 5,775     6,086
Loans 82,962     62,062
Real estate construction | Special Mention | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 0     0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 0     168
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 44     5,100
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 5,004     0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 0     0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 466     667
Financing Receivable, Revolving 46     45
Loans 5,560     5,980
Real estate construction | Substandard | Internally Risk Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 0     0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 0     0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 0     0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 0     0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 0     0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 59     62
Financing Receivable, Revolving 0     0
Loans 59     62
Real estate construction | Performing Loans | Performance Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 3,504     6,486
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 32,111     222
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 723     725
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 1,528     160
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 156     188
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 1,060     888
Financing Receivable, Revolving 0     0
Loans 39,082     8,669
Consumer        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loans 10,526     9,318
Financing Receivable, Allowance for Credit Loss, Writeoff 71 $ 60    
Consumer | Performance Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 332     2,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 1,796     1,521
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 1,341     1,694
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 1,540     465
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 416     276
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 890     778
Financing Receivable, Revolving 4,211     2,584
Loans 10,526     9,318
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff 0     0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 0     4
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 0     9
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 5     0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0     1
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Writeoff 7     7
Financing Receivable, Revolving, Writeoff 59     197
Financing Receivable, Allowance for Credit Loss, Writeoff 71     218
Consumer | Performing Loans | Performance Rated        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Financing Receivable, Year One, Originated, Current Fiscal Year 332     2,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year 1,796     1,521
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year 1,341     1,694
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year 1,540     465
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year 416     276
Financing Receivable, Originated, More than Five Years before Current Fiscal Year 890     778
Financing Receivable, Revolving 4,211     2,584
Loans $ 10,526     $ 9,318
v3.25.1
Loans and Allowance for Credit Losses - Schedule of Allowance for Credit Losses and Recorded Investment in Financing Receivables (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended 12 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Jun. 30, 2024
Dec. 31, 2024
Allowance for Loan Losses [Roll Forward]        
Allowance for Credit Losses, Beginning balance $ 17,280 $ 19,969 $ 19,969 $ 19,969
Allowance established for acquired PCD loans 1,464      
Charge-offs (85) (60) (356)  
Recoveries 19 40    
Provisions (reversal of) 5,488 72    
Allowance for Credit Losses, Ending balance 24,646 20,172   17,280
Financing Receivable Excluding Unfunded Commitments        
Allowance for Loan Losses [Roll Forward]        
Provisions (reversal of) 5,968 223    
Commercial Real Estate        
Allowance for Loan Losses [Roll Forward]        
Allowance for Credit Losses, Beginning balance 10,578 12,010 12,010 12,010
Allowance established for acquired PCD loans 798      
Charge-offs 0 0    
Recoveries 0 0    
Allowance for Credit Losses, Ending balance 13,549 12,240   10,578
Commercial Real Estate | Financing Receivable Excluding Unfunded Commitments        
Allowance for Loan Losses [Roll Forward]        
Provisions (reversal of) 2,173 230    
Residential Mortgage        
Allowance for Loan Losses [Roll Forward]        
Allowance for Credit Losses, Beginning balance 2,976 3,303 3,303 3,303
Allowance established for acquired PCD loans 140      
Charge-offs 0 0    
Recoveries 0 0    
Allowance for Credit Losses, Ending balance 5,128 3,227   2,976
Residential Mortgage | Financing Receivable Excluding Unfunded Commitments        
Allowance for Loan Losses [Roll Forward]        
Provisions (reversal of) 2,012 (76)    
Commercial and Industrial        
Allowance for Loan Losses [Roll Forward]        
Allowance for Credit Losses, Beginning balance 1,416 2,048 2,048 2,048
Allowance established for acquired PCD loans 194      
Charge-offs (14) 0    
Recoveries 3 15    
Allowance for Credit Losses, Ending balance 2,228 1,960   1,416
Commercial and Industrial | Financing Receivable Excluding Unfunded Commitments        
Allowance for Loan Losses [Roll Forward]        
Provisions (reversal of) 629 (103)    
Home Equity Lines of Credit        
Allowance for Loan Losses [Roll Forward]        
Allowance for Credit Losses, Beginning balance 294 397 397 397
Allowance established for acquired PCD loans 13      
Charge-offs 0 0    
Recoveries 0 0    
Allowance for Credit Losses, Ending balance 487 314   294
Home Equity Lines of Credit | Financing Receivable Excluding Unfunded Commitments        
Allowance for Loan Losses [Roll Forward]        
Provisions (reversal of) 180 (83)    
Real Estate Construction        
Allowance for Loan Losses [Roll Forward]        
Allowance for Credit Losses, Beginning balance 1,918 2,070 2,070 2,070
Allowance established for acquired PCD loans 169      
Charge-offs 0 0    
Recoveries 0 0    
Allowance for Credit Losses, Ending balance 3,138 2,313   1,918
Real Estate Construction | Financing Receivable Excluding Unfunded Commitments        
Allowance for Loan Losses [Roll Forward]        
Provisions (reversal of) 1,051 243    
Consumer        
Allowance for Loan Losses [Roll Forward]        
Allowance for Credit Losses, Beginning balance 98 141 $ 141 141
Allowance established for acquired PCD loans 150      
Charge-offs (71) (60)    
Recoveries 16 25    
Allowance for Credit Losses, Ending balance 116 118   $ 98
Consumer | Financing Receivable Excluding Unfunded Commitments        
Allowance for Loan Losses [Roll Forward]        
Provisions (reversal of) $ (77) $ 12    
v3.25.1
Goodwill and Intangible Assets - Narrative (Details) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Mar. 31, 2024
Dec. 31, 2023
Business Combinations [Abstract]        
Goodwill $ 64,449 $ 44,185 $ 44,185 $ 44,185
v3.25.1
Goodwill and Intangible Assets - Schedule of Goodwill (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Mar. 31, 2025
Dec. 31, 2024
Goodwill [Roll Forward]    
Beginning balance $ 44,185 $ 44,185
Acquired goodwill 20,264 0
Ending balance $ 64,449 $ 44,185
v3.25.1
Goodwill and Intangible Assets - Schedule of Intangible Assets, Net (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Finite-Lived Intangible Assets [Roll Forward]    
Beginning balance $ 7,838 $ 9,082
Acquired core deposit intangible 18,854 0
Intangible assets amortization (857) (321)
Ending balance $ 25,835 $ 8,761
v3.25.1
Goodwill and Intangible Assets - Expected Amortization Expense (Details)
$ in Thousands
Mar. 31, 2025
USD ($)
Business Combinations [Abstract]  
Remainder of 2025 $ 3,400
2026 4,117
2027 3,628
2028 3,139
2029 2,732
Thereafter 8,819
Total $ 25,835
v3.25.1
Deposits - Composition of Deposits (Details) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Deposits [Abstract]    
Noninterest-bearing demand deposits $ 562,700 $ 451,503
Interest-bearing demand deposits 609,187 505,096
Money market 549,704 251,667
Savings 341,291 311,207
Total demand and savings 2,062,882 1,519,473
Time 477,127 273,028
Total deposits 2,540,009 1,792,501
Brokered time deposits $ 54,000 $ 24,100
v3.25.1
Deposits - Time Deposit Maturities (Details) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Deposit Liability [Line Items]    
Time $ 477,127 $ 273,028
Less than $250,000    
Deposit Liability [Line Items]    
Less than 1 year 349,879  
1 - 2 years 31,782  
2 - 3 years 16,771  
3 - 4 years 2,326  
4 - 5 years 2,917  
Thereafter 55  
Time 403,730  
$250,000 or more    
Deposit Liability [Line Items]    
Less than 1 year 68,879  
1 - 2 years 1,597  
2 - 3 years 1,315  
3 - 4 years 1,606  
4 - 5 years 0  
Thereafter 0  
Time $ 73,397  
v3.25.1
Borrowings - Schedule of Short-Term Debt (Details) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Short-Term Debt [Line Items]    
Short-term borrowings $ 44,188 $ 15,826
Short-Term Debt, Weighted Average Interest Rate, at Point in Time 3.07% 0.23%
Securities sold under agreements to repurchase    
Short-Term Debt [Line Items]    
Short-term borrowings $ 14,059 $ 15,826
Short-Term Debt, Weighted Average Interest Rate, at Point in Time 0.19% 0.23%
FHLB Advances    
Short-Term Debt [Line Items]    
Short-term borrowings $ 25,000 $ 0
Short-Term Debt, Weighted Average Interest Rate, at Point in Time 4.43% 0.00%
Federal Funds Purchased    
Short-Term Debt [Line Items]    
Short-term borrowings $ 5,129 $ 0
Short-Term Debt, Weighted Average Interest Rate, at Point in Time 4.33% 0.00%
v3.25.1
Borrowings - Narrative (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 30, 2021
Mar. 31, 2025
Dec. 31, 2024
Mar. 15, 2024
Debt Instrument [Line Items]        
Bank par value   $ 13,300    
Weighted average rate percentage   4.52% 4.52%  
Amount eligible to borrow from FHLB   $ 950,900    
Amount available to borrow from FHLB   688,600    
Subordinated debt        
Debt Instrument [Line Items]        
Subordinated debt issued $ 15,000      
Basis spread on prime rate, percentage 3.29%      
Interest rate percentage 4.00%      
Debt Instrument, issuance price, percentage 100.00%      
Trust preferred subordinated debt, FCBI | Subordinated debt        
Debt Instrument [Line Items]        
Subordinated debt issued   $ 6,000    
Basis spread on prime rate, percentage   1.63%    
Interest rate percentage       6.19%
v3.25.1
Borrowings - Schedule of Long-Term Debt (Details) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Debt Instrument [Line Items]    
Federal Home Loan Bank, Advance, Maturity, Year Two $ 90,000 $ 80,000
Federal Home Loan Bank, Advance, Maturity, Year Three 35,000 90,000
Federal Home Loan Bank, Advance, Maturity, Year Four 30,000 35,000
Federal Home Loan Bank, Advance, Maturity, Year Five   30,000
Long-term debt outstanding $ 255,343 $ 255,333
Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Two 4.55% 4.71%
Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Three 4.23% 4.55%
Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Four 4.25% 4.23%
Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Five   4.25%
Weighted average rate percentage 4.52% 4.52%
Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year One 4.71%  
Federal Home Loan Bank, Advance, Maturity, Year One $ 80,000  
Subordinated debt    
Debt Instrument [Line Items]    
Long-term debt outstanding $ 15,000 $ 15,000
Debt Instrument, Interest Rate, Effective Percentage 4.00% 4.00%
Trust preferred subordinated debt, FCBI | Subordinated debt    
Debt Instrument [Line Items]    
Long-term debt outstanding $ 5,343 $ 5,333
Debt Instrument, Interest Rate, Effective Percentage 6.25% 6.25%
v3.25.1
Derivative Financial Instruments - Schedule of Derivative Financial Instruments (Details) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Interest Rate Lock Commitments    
Derivative [Line Items]    
Derivative Asset, Notional Amount $ 67,226 $ 0
Derivative Liability, Notional Amount 0 0
Derivative Asset 1,472 0
Derivative Liability 0 0
Forward Commitments    
Derivative [Line Items]    
Derivative Asset, Notional Amount 4,079 0
Derivative Liability, Notional Amount 26,750 0
Derivative Asset 0 0
Derivative Liability 88 0
Interest Rate Contract | Customers    
Derivative [Line Items]    
Derivative Asset, Notional Amount 0 0
Derivative Liability, Notional Amount 56,119 0
Derivative Asset 0 0
Derivative Liability 4,894 0
Interest Rate Contract | Dealer Counterparties    
Derivative [Line Items]    
Derivative Asset, Notional Amount 56,119 0
Derivative Liability, Notional Amount 0 0
Derivative Asset 4,894 0
Derivative Liability $ 0 $ 0
v3.25.1
Derivative Financial Instruments- Summary of the Fair Value Gains and Losses on Derivative Financial Instruments (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Interest Rate Lock Commitments    
Derivative [Line Items]    
Derivative, Gain (Loss) on Derivative, Net $ 260 $ 0
Forward Commitments    
Derivative [Line Items]    
Derivative, Gain (Loss) on Derivative, Net $ (15) $ 0
v3.25.1
Fair Value Measurements - Schedule of Fair Value Measurements (Details) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value $ 455,819 $ 393,975  
Equity securities with readily determinable fair values 933 919 $ 928
Loans held for sale 21,413 426  
Foreclosed assets held for resale 438 438  
Level 1      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 0 0  
Equity securities with readily determinable fair values 933 919  
Derivative Asset 0    
Derivative Liability 0    
Level 2      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 455,819 393,975  
Equity securities with readily determinable fair values 0 0  
Derivative Asset 6,366    
Derivative Liability 4,982    
Level 3      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 0 0  
Equity securities with readily determinable fair values 0 0  
Derivative Asset 0    
Derivative Liability 0    
U.S. Government and agencies      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 145,648 143,193  
Residential mortgage-backed securities      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 147,224 138,540  
Corporate bonds      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 30,206 15,803  
Commercial mortgage-backed securities      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 77,109 60,785  
Recurring | Level 1      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 0 0  
Equity securities with readily determinable fair values 933 919  
Loans held for sale 0 0  
Derivative Asset 0    
Derivative Liability 0    
Recurring | Level 2      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 455,819 393,975  
Equity securities with readily determinable fair values 0 0  
Loans held for sale 21,413 426  
Derivative Asset 6,366    
Derivative Liability 4,982    
Recurring | Level 3      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 0 0  
Equity securities with readily determinable fair values 0 0  
Loans held for sale 0 0  
Derivative Asset 0    
Derivative Liability 0    
Recurring | U.S. Government and agencies | Level 1      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 0 0  
Recurring | U.S. Government and agencies | Level 2      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value   143,193  
Recurring | U.S. Government and agencies | Level 3      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 0 0  
Recurring | Residential mortgage-backed securities | Level 1      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 0 0  
Recurring | Residential mortgage-backed securities | Level 2      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value   138,540  
Recurring | Residential mortgage-backed securities | Level 3      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 0 0  
Recurring | Corporate bonds | Level 1      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 0 0  
Recurring | Corporate bonds | Level 2      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value   15,803  
Recurring | Corporate bonds | Level 3      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 0 0  
Recurring | Commercial mortgage-backed securities | Level 1      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 0 0  
Recurring | Commercial mortgage-backed securities | Level 2      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value   60,785  
Recurring | Commercial mortgage-backed securities | Level 3      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 0 0  
Recurring | Collateralized Mortgage Obligations | Level 1      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 0 0  
Recurring | Collateralized Mortgage Obligations | Level 2      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value   35,654  
Recurring | Collateralized Mortgage Obligations | Level 3      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 0 0  
Non-recurring | Level 1      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Foreclosed assets held for resale 0 0  
Non-recurring | Level 2      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Foreclosed assets held for resale 0 0  
Non-recurring | Level 3      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Foreclosed assets held for resale 438 438  
Non-recurring | Individually evaluated loans | Level 1      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Impaired loans 0 0  
Non-recurring | Individually evaluated loans | Level 2      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Impaired loans 0 0  
Non-recurring | Individually evaluated loans | Level 3      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Impaired loans 1,750 1,690  
Total      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 455,819 393,975  
Equity securities with readily determinable fair values 933 919  
Derivative Asset 6,366    
Derivative Liability 4,982    
Total | Recurring      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 455,819 393,975  
Equity securities with readily determinable fair values 933 919  
Loans held for sale 21,413 426  
Derivative Asset 6,366    
Derivative Liability 4,982    
Total | Recurring | U.S. Government and agencies      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 145,648 143,193  
Total | Recurring | Residential mortgage-backed securities      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 147,224 138,540  
Total | Recurring | Corporate bonds      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 30,206 15,803  
Total | Recurring | Commercial mortgage-backed securities      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 77,109 60,785  
Total | Recurring | Collateralized Mortgage Obligations      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Investment securities available for sale, at estimated fair value 55,632 35,654  
Total | Non-recurring      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Foreclosed assets held for resale 438 438  
Total | Non-recurring | Individually evaluated loans      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Impaired loans $ 1,750 $ 1,690  
v3.25.1
Fair Value Measurements - Schedule of Additional Quantitative Information (Details) - Non-recurring - Level 3
$ in Thousands
Mar. 31, 2025
USD ($)
Dec. 31, 2024
USD ($)
Individually evaluated loans    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value Estimate $ 1,750 $ 1,690
Foreclosed assets held for resale    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value Estimate $ 438 $ 438
Measurement Input, Discount Rate | Individually evaluated loans    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Weighted Average (0.48) (0.47)
Measurement Input, Discount Rate | Individually evaluated loans | Minimum    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Weighted Average (0.16) (0.16)
Measurement Input, Discount Rate | Individually evaluated loans | Maximum    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Weighted Average (1) (1)
Measurement Input, Discount Rate | Foreclosed assets held for resale    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Weighted Average (0.50) (0.50)
Measurement Input, Discount Rate | Foreclosed assets held for resale | Minimum    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Weighted Average (0.17) (0.17)
Measurement Input, Discount Rate | Foreclosed assets held for resale | Maximum    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Weighted Average (0.53) (0.53)
v3.25.1
Fair Value Measurements - Schedule of Carrying Amount, Fair Value and Placement in Fair Value Hierarchy (Details) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Financial assets:      
Interest-bearing deposits with banks $ 100,141 $ 30,910  
Equity securities with readily determinable fair values 933 919 $ 928
Investment securities AFS 455,819 393,975  
Securities held to maturity, fair value 56,219 56,924  
Restricted investment in bank stocks 13,560 10,853  
Level 1      
Financial assets:      
Cash and due from banks 23,422 16,352  
Interest-bearing deposits with banks 100,141 30,910  
Equity securities with readily determinable fair values 933 919  
Investment securities AFS 0 0  
Securities held to maturity, fair value 0 0  
Loans held for sale 0 0  
Loans, net 0 0  
Accrued interest receivable 0 0  
Restricted investment in bank stocks 0 0  
Derivative Asset 0    
Financial liabilities:      
Demand deposits, savings, and money markets 0 0  
Time deposits 0 0  
FHLB Advances 0 0  
Trust preferred and subordinated debt 0 0  
Accrued interest payable 0 0  
Derivative Liability 0    
Level 1 | Securities sold under agreements to repurchase      
Financial liabilities:      
Securities sold under repurchase agreements 0 0  
Level 1 | Federal Funds Purchased      
Financial liabilities:      
Securities sold under repurchase agreements 0    
Level 2      
Financial assets:      
Cash and due from banks 0 0  
Interest-bearing deposits with banks 0 0  
Equity securities with readily determinable fair values 0 0  
Investment securities AFS 455,819 393,975  
Securities held to maturity, fair value 56,219 56,924  
Loans held for sale 21,413 426  
Loans, net 0 0  
Accrued interest receivable 11,720 8,189  
Derivative Asset 6,366    
Financial liabilities:      
Demand deposits, savings, and money markets 1,757,870 1,269,889  
Time deposits 469,483 267,336  
FHLB Advances 262,678 235,290  
Trust preferred and subordinated debt 18,581 18,420  
Accrued interest payable 3,033 1,551  
Derivative Liability 4,982    
Level 2 | Securities sold under agreements to repurchase      
Financial liabilities:      
Securities sold under repurchase agreements 14,940 16,435  
Level 2 | Federal Funds Purchased      
Financial liabilities:      
Securities sold under repurchase agreements 5,214    
Level 3      
Financial assets:      
Cash and due from banks 0 0  
Interest-bearing deposits with banks 0 0  
Equity securities with readily determinable fair values 0 0  
Investment securities AFS 0 0  
Securities held to maturity, fair value 0 0  
Loans held for sale 0 0  
Loans, net 2,288,564 1,635,351  
Accrued interest receivable 0 0  
Restricted investment in bank stocks 0 0  
Derivative Asset 0    
Financial liabilities:      
Demand deposits, savings, and money markets 0 0  
Time deposits 0 0  
FHLB Advances 0 0  
Trust preferred and subordinated debt 0 0  
Accrued interest payable 0 0  
Derivative Liability 0    
Level 3 | Securities sold under agreements to repurchase      
Financial liabilities:      
Securities sold under repurchase agreements 0 0  
Level 3 | Federal Funds Purchased      
Financial liabilities:      
Securities sold under repurchase agreements 0    
Carrying Amount      
Financial assets:      
Cash and due from banks 23,422 16,352  
Interest-bearing deposits with banks 100,141 30,910  
Equity securities with readily determinable fair values 933 919  
Investment securities AFS 455,819 393,975  
Securities held to maturity, fair value 64,554 64,578  
Loans held for sale 21,413 426  
Loans, net 2,297,563 1,665,630  
Accrued interest receivable 11,720 8,189  
Restricted investment in bank stocks 13,560 10,853  
Derivative Asset 6,366    
Financial liabilities:      
Demand deposits, savings, and money markets 2,062,882 1,519,473  
Time deposits 477,127 273,028  
FHLB Advances 260,000 235,000  
Trust preferred and subordinated debt 20,343 20,333  
Accrued interest payable 3,033 1,551  
Derivative Liability 4,982    
Carrying Amount | Securities sold under agreements to repurchase      
Financial liabilities:      
Securities sold under repurchase agreements 14,059 15,826  
Carrying Amount | Federal Funds Purchased      
Financial liabilities:      
Securities sold under repurchase agreements 5,129    
Total      
Financial assets:      
Cash and due from banks 23,422 16,352  
Interest-bearing deposits with banks 100,141 30,910  
Equity securities with readily determinable fair values 933 919  
Investment securities AFS 455,819 393,975  
Securities held to maturity, fair value 56,219 56,924  
Loans held for sale 21,413 426  
Loans, net 2,288,564 1,635,351  
Accrued interest receivable 11,720 8,189  
Derivative Asset 6,366    
Financial liabilities:      
Demand deposits, savings, and money markets 1,757,870 1,269,889  
Time deposits 469,483 267,336  
FHLB Advances 262,678 235,290  
Trust preferred and subordinated debt 18,581 18,420  
Accrued interest payable 3,033 1,551  
Derivative Liability 4,982    
Total | Securities sold under agreements to repurchase      
Financial liabilities:      
Securities sold under repurchase agreements 14,940 $ 16,435  
Total | Federal Funds Purchased      
Financial liabilities:      
Securities sold under repurchase agreements $ 5,214    
v3.25.1
Stock-Based Compensation - Narrative (Details) - Restricted Stock
 3 Months Ended
Mar. 31, 2025
shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]  
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period 36,887
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period 38,476
v3.25.1
Stock-Based Compensation - Compensation Expense and Related Tax Benefits (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Share-Based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]    
Compensation Expense $ 612 $ 534
Tax benefit (138) (121)
Total stock-based compensation, net of tax $ 474 $ 413
v3.25.1
Retirement Benefits (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Postemployment Benefits [Abstract]    
Service cost $ 91 $ 107
Interest cost 399 374
Expected return on plan assets (685) (712)
Amortization of net loss 0 19
Net Periodic Benefit Income $ (195) $ (212)
v3.25.1
Commitments and Contingencies (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Dec. 31, 2024
Fair Value, off-Balance-Sheet Risks, Disclosure Information [Line Items]    
Loan to value ratio requirement (no greater than) 80.00%  
Line of Credit    
Fair Value, off-Balance-Sheet Risks, Disclosure Information [Line Items]    
Commercial line of credit borrowing capacity $ 1,500  
Unsecured debt | Line of Credit    
Fair Value, off-Balance-Sheet Risks, Disclosure Information [Line Items]    
Commercial line of credit borrowing capacity 5,000  
Commitments to Extend Credit    
Fair Value, off-Balance-Sheet Risks, Disclosure Information [Line Items]    
Off-balance sheet financial instruments 569,093 $ 372,839
Standby Letters of Credit    
Fair Value, off-Balance-Sheet Risks, Disclosure Information [Line Items]    
Off-balance sheet financial instruments $ 25,192 $ 15,103
v3.25.1
Accumulated Other Comprehensive Loss (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Accumulated Other Comprehensive Income (Loss) [Line Items]    
Beginning balance $ 303,273 $ 277,461
Unrealized gain (loss) on AFS securities, net of tax 6,157 (2,198)
Realized (losses) gains on securities, net of tax 0 53
Amortization of unrealized losses on securities transferred to HTM, net of tax 193 215
Amortization of pension net loss, transition liability and prior service cost, net of tax 0 15
TOTAL OTHER COMPREHENSIVE INCOME (LOSS) 6,350 (1,915)
Ending balance 386,883 279,920
Unrealized (Losses) Gains on Securities    
Accumulated Other Comprehensive Income (Loss) [Line Items]    
Beginning balance (38,160) (40,952)
Unrealized gain (loss) on AFS securities, net of tax 6,157 (2,198)
Realized (losses) gains on securities, net of tax   53
Amortization of unrealized losses on securities transferred to HTM, net of tax 193 215
Amortization of pension net loss, transition liability and prior service cost, net of tax   0
TOTAL OTHER COMPREHENSIVE INCOME (LOSS) 6,350 (1,930)
Ending balance (31,810) (42,882)
Pension Liability    
Accumulated Other Comprehensive Income (Loss) [Line Items]    
Beginning balance (3,508) (3,957)
Unrealized gain (loss) on AFS securities, net of tax 0 0
Realized (losses) gains on securities, net of tax   0
Amortization of unrealized losses on securities transferred to HTM, net of tax 0 0
Amortization of pension net loss, transition liability and prior service cost, net of tax   15
TOTAL OTHER COMPREHENSIVE INCOME (LOSS) 0 15
Ending balance (3,508) (3,942)
Accumulated Other Comprehensive Loss    
Accumulated Other Comprehensive Income (Loss) [Line Items]    
Beginning balance (41,668) (44,909)
Unrealized gain (loss) on AFS securities, net of tax 6,157 (2,198)
Realized (losses) gains on securities, net of tax   53
Amortization of unrealized losses on securities transferred to HTM, net of tax 193 215
Amortization of pension net loss, transition liability and prior service cost, net of tax   15
TOTAL OTHER COMPREHENSIVE INCOME (LOSS) 6,350 (1,915)
Ending balance $ (35,318) $ (46,824)
v3.25.1
Segment Reporting (Segment Information) (Details)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
USD ($)
Mar. 31, 2024
USD ($)
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Segment Reporting Information [Line Items]        
Number of Reportable Segments 2      
Interest income $ 36,290 $ 25,974    
Other income 7,184 5,667    
Total Revenues 43,474 31,641    
Interest expense 9,200 5,381    
Provision for credit losses 5,488 72    
Depreciation and amortization expense 1,445 766    
Salaries and employee benefits 12,861 11,168    
Other noninterest expense 15,029 5,728    
Income before income taxes (549) 8,526    
Income tax (benefit) expense (277) 1,758    
Net (loss) income (272) 6,768    
Total assets 3,270,041 2,414,288 $ 2,394,830  
Goodwill 64,449 44,185 $ 44,185 $ 44,185
Capital expenditures 659 78    
Other        
Segment Reporting Information [Line Items]        
Interest income (1) 8    
Other income 12 0    
Interest expense 249 263    
Provision for credit losses 0 0    
Depreciation and amortization expense 0 0    
Salaries and employee benefits 101 98    
Other noninterest expense 129 147    
Income before income taxes (468) (500)    
Income tax (benefit) expense (92) (105)    
Net (loss) income (376) (395)    
Total assets (4,507) (3,084)    
Goodwill 0 0    
Capital expenditures 0 0    
Banking | Operating Segments        
Segment Reporting Information [Line Items]        
Interest income 36,290 25,965    
Other income 5,025 3,552    
Interest expense 8,951 5,118    
Provision for credit losses 5,488 72    
Depreciation and amortization expense 1,250 567    
Salaries and employee benefits 11,298 9,617    
Other noninterest expense 14,564 5,189    
Income before income taxes (236) 8,954    
Income tax (benefit) expense (227) 1,843    
Net (loss) income (9) 7,111    
Total assets 3,252,111 2,395,476    
Goodwill 56,064 35,800    
Capital expenditures 654 78    
Insurance | Operating Segments        
Segment Reporting Information [Line Items]        
Interest income 1 1    
Other income 2,147 2,115    
Interest expense 0 0    
Provision for credit losses 0 0    
Depreciation and amortization expense 195 199    
Salaries and employee benefits 1,462 1,453    
Other noninterest expense 336 392    
Income before income taxes 155 72    
Income tax (benefit) expense 42 20    
Net (loss) income 113 52    
Total assets 22,437 21,896    
Goodwill 8,385 8,385    
Capital expenditures $ 5 $ 0