Patriot National Bancorp (PNBK) 10-Q 19 Nov 24 2024 Q3 Quarterly report Financial data

Cover

Cover - shares	9 Months Ended
	Sep. 30, 2024	Nov. 19, 2024
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2024
Document Transition Report	false
Entity File Number	000-29599
Entity Registrant Name	PATRIOT NATIONAL BANCORP INC
Entity Incorporation, State or Country Code	CT
Entity Tax Identification Number	06-1559137
Entity Address, Address Line One	900 Bedford Street
Entity Address, City or Town	Stamford
Entity Address, State or Province	CT
Entity Address, Postal Zip Code	06901
City Area Code	203
Local Phone Number	252-5900
Title of 12(b) Security	Common Stock
Trading Symbol	PNBK
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		3,976,073
Entity Central Index Key	0001098146
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2024

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Cash and due from banks:
Noninterest bearing deposits and cash	$ 2,718	$ 2,195
Interest bearing deposits	70,013	50,322
Restricted cash	41	14,019
Total cash, cash equivalents and restricted cash	72,772	66,536
Investment securities:
Available-for-sale securities, at fair value	89,578	89,187
Other investments, at cost	4,450	4,450
Total investment securities	94,028	93,637
Federal Reserve Bank (FRB) stock, at cost	2,109	2,090
Federal Home Loan Bank (FHLB) stock, at cost	3,473	4,202
Loans receivable (net of allowance for credit losses: 2024: $(14,984) and 2023: $(15,925))	740,687	832,934
Loans held for sale	13,658	20,767
Accrued interest and dividends receivable	5,932	7,219
Premises and equipment, net	29,117	29,875
Other real estate owned	2,843	2,843
Deferred tax asset	0	24,134
Core deposit intangible, net	168	203
Other assets	9,296	8,985
Total assets	974,083	1,093,425
Deposits:
Noninterest bearing deposits	91,583	110,056
Interest bearing deposits	733,306	730,255
Total deposits	824,889	840,311
FHLB, FRB and correspondent bank borrowings	93,800	171,000
Senior notes, net	11,827	11,723
Subordinated debt, net	9,891	9,869
Junior subordinated debt owed to unconsolidated trust, net	8,144	8,137
Note payable	216	376
Advances from borrowers for taxes and insurance	3,013	1,164
Accrued expenses and other liabilities	5,917	6,462
Total liabilities	957,697	1,049,042
Commitments and Contingencies
Shareholders' equity
Preferred stock, no par value; 1,000,000 shares authorized, no shares issued and outstanding	0	0
Common stock, $.01 par value, 100,000,000 shares authorized; As of September 30, 2024: 4,049,814 shares issued; 3,976,073 shares outstanding; As of December 31, 2023: 4,049,814 shares issued; 3,976,073 shares outstanding.	106,790	106,670
Accumulated deficit	(77,360)	(47,026)
Accumulated other comprehensive loss	(13,044)	(15,261)
Total shareholders' equity	16,386	44,383
Total liabilities and shareholders' equity	$ 974,083	$ 1,093,425

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
Allowance for credit loss	$ (14,984)	$ (15,925)
Preferred stock, par value (usd per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	1,000,000	1,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (usd per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	4,049,814	4,049,814
Common stock, shares outstanding (in shares)	3,976,073	3,976,073

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Interest and Dividend Income
Interest and fees on loans	$ 11,704	$ 13,936	$ 36,345	$ 40,538
Interest on investment securities	640	640	1,933	2,007
Dividends on investment securities	89	110	238	416
Other interest income	381	384	1,516	1,064
Total interest and dividend income	12,814	15,070	40,032	44,025
Interest Expense
Interest on deposits	6,189	6,220	19,160	15,047
Interest on FHLB, FRB and correspondent bank borrowings	926	1,624	3,354	4,783
Interest on senior debt	290	290	869	869
Interest on subordinated debt	409	409	1,219	1,068
Interest on note payable	1	2	4	7
Total interest expense	7,815	8,545	24,606	21,774
Net interest income	4,999	6,525	15,426	22,251
Provision for credit losses	1,026	4,688	4,776	8,233
Net interest income after provision for credit losses	3,973	1,837	10,650	14,018
Non-interest Income
Loan application, inspection and processing fees	201	310	493	554
Deposit fees and service charges	78	69	398	211
Gains on sales of loans	81	3	402	169
Rental income	75	106	226	330
(Loss) gain on sale of investment securities, net	0	0	(24)	24
Digital Payments income	1,333	625	3,509	1,391
Other income	347	56	1,421	154
Total non-interest income	2,115	1,169	6,425	2,833
Non-interest Expense
Salaries and benefits	4,710	4,833	13,489	13,761
Occupancy and equipment expense	801	870	2,480	2,593
Data processing expense	321	355	981	965
Professional and other outside services	952	702	2,530	2,343
Project expenses, net	0	0	0	93
Advertising and promotional expense	105	61	239	223
Loan administration and processing expense	58	48	118	202
Regulatory assessments	386	292	890	791
Insurance expense, net	82	70	231	215
Communications, stationary and supplies	337	232	706	664
Other operating expense	644	646	1,957	1,906
Total non-interest expense	8,396	8,109	23,621	23,756
Loss before income taxes	(2,308)	(5,103)	(6,546)	(6,905)
Provision (benefit) for income taxes	24,646	(1,333)	23,788	(1,821)
Net loss	$ (26,954)	$ (3,770)	$ (30,334)	$ (5,084)
Basic loss per share (usd per share)	$ (6.78)	$ (0.95)	$ (7.63)	$ (1.28)
Diluted loss per share (usd per share)	$ (6.78)	$ (0.95)	$ (7.63)	$ (1.28)

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE LOSS (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Statement of Comprehensive Income [Abstract]
Net loss	$ (26,954)	$ (3,770)	$ (30,334)	$ (5,084)
Other comprehensive income (loss)
Unrealized holding gain (loss) on securities	3,856	(3,636)	3,227	(4,143)
Income tax effect	(1,000)	938	(832)	1,069
Reclassification for realized loss (gain) on sale of investment securities	0	0	24	(24)
Income tax effect	0	0	(6)	6
Impact of update to effective tax rate	(98)	0	(196)	0
Total other comprehensive income (loss)	2,758	(2,698)	2,217	(3,092)
Comprehensive loss	$ (24,196)	$ (6,468)	$ (28,117)	$ (8,176)

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY (Unaudited) - USD ($) $ in Thousands	Total	Cumulative Effect, Period of Adoption, Adjustment	Common Stock	Accumulated Deficit	Accumulated Deficit Cumulative Effect, Period of Adoption, Adjustment	Accumulated Other Comprehensive (Loss) Income
Balance (in shares) at Dec. 31, 2022	3,965,186
Balance at Dec. 31, 2022	$ 59,583	$ (11,510)	$ 106,565	$ (31,337)	$ (11,510)	$ (15,645)
Comprehensive (loss) income:
Net loss	(5,084)			(5,084)
Unrealized holding gain on available-for-sale securities, net of tax	(3,092)					(3,092)
Comprehensive loss	(8,176)			(5,084)		(3,092)
Share-based compensation expense	$ 77		77
Balance (in shares) at Sep. 30, 2023	3,965,186
Balance at Sep. 30, 2023	$ 39,974		106,642	(47,931)		(18,737)
Comprehensive (loss) income:
Accounting Standards Update [Extensible Enumeration]		Accounting Standards Update 2016-13 [Member]
Balance (in shares) at Jun. 30, 2023	3,965,186
Balance at Jun. 30, 2023	$ 46,411		106,611	(44,161)		(16,039)
Comprehensive (loss) income:
Net loss	(3,770)			(3,770)
Unrealized holding gain on available-for-sale securities, net of tax	(2,698)					(2,698)
Comprehensive loss	(6,468)			(3,770)		(2,698)
Share-based compensation expense	$ 31		31
Balance (in shares) at Sep. 30, 2023	3,965,186
Balance at Sep. 30, 2023	$ 39,974		106,642	(47,931)		(18,737)
Balance (in shares) at Dec. 31, 2023	3,976,073
Balance at Dec. 31, 2023	$ 44,383		106,670	(47,026)		(15,261)
Comprehensive (loss) income:
Net loss	(30,334)			(30,334)
Unrealized holding gain on available-for-sale securities, net of tax	2,217					2,217
Comprehensive loss	(28,117)			(30,334)		2,217
Share-based compensation expense	$ 120		120
Balance (in shares) at Sep. 30, 2024	3,976,073
Balance at Sep. 30, 2024	$ 16,386		106,790	(77,360)		(13,044)
Balance (in shares) at Jun. 30, 2024	3,976,073
Balance at Jun. 30, 2024	$ 40,527		106,735	(50,406)		(15,802)
Comprehensive (loss) income:
Net loss	(26,954)			(26,954)
Unrealized holding gain on available-for-sale securities, net of tax	2,758					2,758
Comprehensive loss	(24,196)			(26,954)		2,758
Share-based compensation expense	$ 55		55
Balance (in shares) at Sep. 30, 2024	3,976,073
Balance at Sep. 30, 2024	$ 16,386		$ 106,790	$ (77,360)		$ (13,044)

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Cash Flows from Operating Activities:
Net loss	$ (30,334)	$ (5,084)
Adjustments to reconcile net loss to net cash provided by (used in) operating activities:
Accretion of investment premiums and discounts, net	(113)	(82)
Amortization and accretion of purchase loan premiums and discounts, net	51	1,648
Amortization of debt issuance costs	133	133
Amortization of core deposit intangible	35	35
Amortization of servicing assets of sold SBA loans	177	92
Provision for credit losses	4,776	8,233
Depreciation and amortization	823	904
Loss (gain) on sales of available-for-sale securities	24	(24)
Gain on sale of premises and equipment	(3)	0
Share-based compensation	120	77
Decrease (increase) in deferred tax assets	23,100	(5,298)
Increase in deferred tax liabilities	723	0
Originations of loans held for sale, net	(415,600)	(21,312)
Proceeds from sale of loans held for sale	421,924	4,758
Gains on sale of loans held for sale, net	(402)	(169)
Changes in assets and liabilities:
Decrease in accrued interest and dividends receivable	1,287	143
(Increase) decrease in other assets	(361)	2,213
(Decrease) increase in accrued expenses and other liabilities	(1,105)	3,185
Net cash provided by (used in) operating activities	5,255	(10,548)
Cash Flows from Investing Activities:
Proceeds from maturity or sales on available-for-sale securities	2,281	1,780
Principal repayments on available-for-sale securities	2,987	3,408
Purchases of available-for-sale securities	(2,319)	(10,415)
(Purchases) Redemptions of FRB stock	(19)	178
Redemptions (purchases) of FHLB stock	729	(1,498)
Origination of loans receivable	(42,246)	(152,758)
Purchases of loans receivable	(127)	(19,751)
Payments received on loans receivable	130,767	121,962
Purchases of premises and equipment	(152)	(397)
Proceeds from sale of premises and equipment	13	0
Net cash provided by (used in) investing activities	91,914	(57,491)
Cash Flows from Financing Activities:
Decrease in deposits, net	(15,422)	(23,423)
Proceeds from FHLB daily borrowing, net	22,800	60,000
Repayments of FHLB long term borrowings	(30,000)	0
Proceeds from FRB and correspondent bank borrowings	22,000	278,500
Repayments of FRB and correspondent bank borrowings	(92,000)	(208,500)
Principal repayments of note payable	(160)	(156)
Increase in advances from borrowers for taxes and insurance	1,849	2,053
Net cash (used in) provided by financing activities	(90,933)	108,474
Net increase in cash, cash equivalents and restricted cash	6,236	40,435
Cash, cash equivalents and restricted cash at beginning of period	66,536	38,493
Cash, cash equivalents and restricted cash at end of period	72,772	78,928
Supplemental Disclosures of Cash Flow Information:
Cash paid for interest	25,182	20,611
Cash paid for income taxes	500	44
Non-cash transactions:
Net change in unrealized (gain) loss on available-for-sale securities	(2,217)	3,092
Transfers of SBA loans held for sale to loans receivable	5,526	0
Transfers of loans receivable to loans held for sale	(4,339)	0
Capitalized servicing assets	119	85
Operating lease right-of-use assets / liabilities	300	16
(Decrease) increase in interest rate swaps	(24)	169
Decrease in premises and equipment recorded under other assets	93	0
Expected credit loss for loans - ASC 326 adoption	0	13,001
Expected credit loss for unfunded loan commitments - ASC 326 adoption	0	2,737
Deferred tax assets - ASC 326 adoption	$ 0	$ (4,228)

Basis of Financial Statement Pr

Basis of Financial Statement Presentation	9 Months Ended
	Sep. 30, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Financial Statement Presentation	Basis of Financial Statement Presentation The accompanying unaudited interim condensed Consolidated Financial Statements of Patriot National Bancorp, Inc. (the “Company” or “PNBK”) and its wholly-owned subsidiaries, Patriot Bank, N.A. (the “Bank”), Patriot National Statutory Trust I and PinPat Acquisition Corporation (collectively, “Patriot”), have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”). Accordingly, certain information and footnote disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America (“US GAAP”) have been omitted. The accompanying unaudited interim condensed Consolidated Financial Statements should be read in conjunction with the audited Consolidated Financial Statements and notes thereto included on the Annual Report on Form 10-K for the year ended December 31, 2023. The Consolidated Balance Sheet at December 31, 2023 presented herein has been derived from the audited Consolidated Financial Statements of the Company at that date, but does not include all of the information and footnotes required by US GAAP for complete financial statements. The preparation of consolidated financial statements in accordance with US GAAP requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses, and to disclose contingent assets and liabilities. Actual results could differ from those estimates. Management has identified accounting for the allowance for credit losses, the analysis and valuation of its investment securities, the valuation of deferred tax assets, the valuation of derivatives, and the valuation of servicing assets as certain of the Company’s more significant accounting policies and estimates, in that they are critical to the presentation of the Company’s consolidated financial condition and results of operations. As they concern matters that are inherently uncertain, these estimates require management to make subjective and complex judgments in the preparation of the Company’s Consolidated Financial Statements. The information furnished reflects, in the opinion of management, all normal recurring adjustments necessary for a fair presentation of the results for the interim periods presented. The results of operations for the three and nine months ended September 30, 2024 are not necessarily indicative of the results of operations that may be expected for the remainder of 2024. Certain prior period amounts have been reclassified to conform to current year presentation.

Summary of Significant Accounti

Summary of Significant Accounting Policies and Transactions	9 Months Ended
	Sep. 30, 2024
Accounting Policies [Abstract]
Summary of Significant Accounting Policies and Transactions	Summary of Significant Accounting Policies and Transactions Please refer to the summary of Significant Accounting Policies included in the Company’s 2023 Annual Report on Form 10-K for a list of all policies in effect as of December 31, 2023. Significant Transactions Deferred Income taxes Patriot's deferred tax assets and liabilities as of September 30, 2024 and December 31, 2023 are presented below: (In thousands) September 30, 2024 December 31, 2023 Deferred tax assets and liabilities: Gross deferred tax assets $ 25,129 $ 25,622 Less deferred tax asset valuation allowance (25,129) — Total deferred tax assets — 25,622 Gross deferred tax liabilities (723) (1,488) Net deferred tax (liabilities) assets $ (723) $ 24,134 Patriot recognizes income taxes under the asset and liability method. Under this method, deferred tax assets and liabilities are recognized for the estimated tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases, and loss carry forwards. Deferred tax assets (“DTA”s) and liabilities (“DTL”s) are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on DTAs and DTLs of a change in tax rates is recognized in income in the period that includes the enactment date. In certain circumstances DTAs are subject to reduction by a valuation allowance. A valuation allowance is subject to ongoing adjustment based on changes in circumstances that affect management’s judgment about the realizability of the deferred tax asset. Adjustments to increase or decrease the valuation allowance are charged or credited to the deferred tax component of the income tax provision or benefit. The Company recognize deferred tax assets to the extent we believe it is more likely than not the asset will be realized. Quarterly, management assesses the available positive and negative evidence to estimate whether sufficient future taxable income will be generated to permit the use of existing deferred tax assets, including future reversals of existing taxable temporary differences, projected taxable income, tax-planning strategies, carryback potential if permitted, and the results of recent operations. A significant piece of objective negative evidence is the existence of a three or four year cumulative loss. Such objective negative evidence limits the ability of management to consider other subjective evidence, such as projected taxable income. When appropriate, the Company records a valuation allowance to reduce deferred tax assets to the amount that is more likely than not to be realized. Based on our assessment performed as of September 30, 2024, we determined that a full valuation allowance was appropriate against the Company’s U.S. federal and state deferred tax assets. This resulted in an increase in income tax expense of approximately $25.1 million for the three- and nine-month periods ended September 30, 2024. Currently, the key factor on the Company’s assumption of providing 100% valuation allowance was purely based on our 3-year cumulative operating losses. Once we begin generating profits, we will re-evaluate whether providing 100% valuation allowance is appropriate or if we can reassess that allowance. Accounting Policies Non-interest income - Digital Payments Division The Digital Payments Division ("DPD") provides solutions to our customers in the form of acceptance, processing and settlement of prepaid, debit, and charge card payments and accounts. Each of our customers, called Program Managers (“PMs”), signs a services agreement with the Bank with customized terms and fees. The typical fees include start-up fees and transaction fees, and the fees will vary by relationship. The start-up fees are to compensate the Bank for costs of due diligence on the PMs and the program, and to onboard the PMs and programs onto our infrastructure. The transaction fees are typically based on a charge per transaction settled, or a rate on the total dollar settlement volume in a month. The fees are billed after the activities occur and collected monthly. The Bank receives interchange revenue from the networks, both MasterCard and Visa. The interchange revenue is a unique amount per transaction that settles to the Bank through their networks on a daily basis. As a part of the Program Manager services agreement, the Bank may share part or all of the interchange revenue with the PM. The interchange revenue is recognized as point in time transactions for the Bank and records a reduction of the revenue for any part of the interchange revenue that is shared with the PM. The networks, both MasterCard and Visa, charge fees to the merchant for utilization of the network, and the fees that are collected are paid to the Bank. The interchange rate may vary, as most transaction types have their own unique rate charged by the network at the time the purchase is completed. Recently Issued Accounting Standards Recently issued Accounting Pronouncements not yet Adopted ASU 2023-06 In October 2023, the FASB issued ASU 2023-06, Disclosure Improvements: Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative. The amendments in this Update modify the disclosure or presentation requirements of a variety of Topics in the Codification. Certain of the amendments represent clarifications to or technical corrections of the current requirements. For entities subject to the SEC’s existing disclosure requirements and for entities required to file or furnish financial statements with or to the SEC in preparation for the sale of or for purposes of issuing securities that are not subject to contractual restrictions on transfer, the effective date for each amendment will be the date on which the SEC’s removal of that related disclosure from Regulation S-X or Regulation S-K becomes effective, with early adoption prohibited. For all other entities, the amendments will be effective two years later. The amendments in this Update should be applied prospectively. For all entities, if by June 30, 2027, the SEC has not removed the applicable requirement from Regulation S-X or Regulation S-K, the pending content of the related amendment will be removed from the Codification and will not become effective for any entity. The adoption of ASU 2023-06 is not expected to have an impact on the Company’s financial condition or results of operations but could change certain disclosures. The Company will continue to monitor for SEC action, and plan accordingly for adoption. ASU 2023-07 In November, 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. The amendments are intended to improve reportable segment disclosure requirements, primarily through enhanced disclosures about significant segment expenses. Additionally, the amendments enhance interim disclosure requirements, clarify circumstances in which an entity can disclose multiple segment measures of profit or loss, provide new segment disclosure requirements for entities with a single reportable segment and define other disclosure requirements. A public entity must apply the amendments retrospectively to all prior periods presented in the financial statements. Upon transition, the segment expense categories and amounts disclosed in the prior periods should be based on the significant segment expense categories identified and disclosed in the period of adoption. This ASU is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. The adoption of this standard is not expected to have an impact on the Company’s financial condition or results of operations but could change certain disclosures. ASU 2023-09 In December 2023, the FASB issued ASU 2023‑09 Income Taxes (Topic 740): Improvements to Income Tax Disclosures, which requires more detailed disclosures of income taxes paid net of refunds received, income from continuing operations before income tax expense or benefit, and income tax expense from continuing operations. This standard is to be applied on a prospective basis, with retrospective application permitted, and will be effective for the Company for annual periods beginning on January 1, 2025. We do not expect adoption of this standard to have a material impact on the Company’s Consolidated Financial Statements but will likely result in additional disclosures.

Available-for-Sale Securities

Available-for-Sale Securities	9 Months Ended
	Sep. 30, 2024
Investments [Abstract]
Available-for-Sale Securities	Available-for-Sale Securities The amortized cost, gross unrealized gains, gross unrealized losses and fair values of available-for-sale securities at September 30, 2024 and December 31, 2023 are as follows: (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value September 30, 2024: U. S. Government agency and mortgage-backed securities $ 79,082 $ 33 $ (12,826) $ 66,289 Corporate bonds 17,995 — (3,290) 14,705 Subordinated notes 5,000 — (601) 4,399 SBA loan pools 4,561 — (863) 3,698 Municipal bonds 558 — (71) 487 Total available-for-sale securities $ 107,196 $ 33 $ (17,651) $ 89,578 December 31, 2023: U. S. Government agency and mortgage-backed securities $ 80,500 $ — $ (14,829) $ 65,671 Corporate bonds 17,995 — (4,229) 13,766 Subordinated notes 5,000 — (773) 4,227 SBA loan pools 6,002 — (965) 5,037 Municipal bonds 559 — (73) 486 Total available-for-sale securities $ 110,056 $ — $ (20,869) $ 89,187 The following table presents the available-for-sale securities’ gross unrealized losses and fair value, aggregated by the length of time the individual securities have been in a continuous loss position as of September 30, 2024 and December 31, 2023: (In thousands) Less than 12 Months 12 Months or More Total Fair Value Unrealized (Loss) Fair Value Unrealized (Loss) Fair Value Unrealized (Loss) September 30, 2024: U. S. Government agency and mortgage-backed securities $ 2,237 $ (56) $ 61,966 $ (12,770) $ 64,203 $ (12,826) Corporate bonds — — 14,705 (3,290) 14,705 (3,290) Subordinated notes — — 4,399 (601) 4,399 (601) SBA loan pools — — 3,698 (863) 3,698 (863) Municipal bonds — — 487 (71) 487 (71) Total available-for-sale securities $ 2,237 $ (56) $ 85,255 $ (17,595) $ 87,492 $ (17,651) December 31, 2023: U. S. Government agency and mortgage-backed securities $ 9,984 $ (286) $ 55,687 $ (14,543) $ 65,671 $ (14,829) Corporate bonds — — 13,766 (4,229) 13,766 (4,229) Subordinated notes — — 4,227 (773) 4,227 (773) SBA loan pools — — 5,037 (965) 5,037 (965) Municipal bonds — — 486 (73) 486 (73) Total available-for-sale securities $ 9,984 $ (286) $ 79,203 $ (20,583) $ 89,187 $ (20,869) As of September 30, 2024 and December 31, 2023, forty-eight of forty-nine and fifty of fifty available-for-sale securities had unrealized losses with an aggregate decline of (16.8)% and (19.0)% from the amortized cost of those securities, respectively. At September 30, 2024, no allowance for credit losses has been recognized on available-for-sale debt securities in an unrealized loss position as the Company does not believe any of the debt securities are credit impaired. This is based on the Company’s analysis of the risk characteristics, including credit ratings, and other qualitative factors related to available-for-sale debt securities. The issuers of these debt securities continue to make timely principal and interest payments under the contractual terms of the securities. The Company does not intend to sell these debt securities and it is more likely than not that the Company will not be required to sell the debt securities before recovery of their amortized cost, which may be at maturity. The unrealized losses are due to increases in market interest rates over the yields available at the time the debt securities were purchased. With regard to U.S. mortgage-backed securities and municipal bonds issued by the U.S. government, or agencies thereof, it is expected that the securities will not be settled at prices less than the amortized cost basis of the securities as such securities are backed by the full faith and credit of and/or guaranteed by the U.S. government. Accordingly, no allowance for credit losses has been recorded for these securities. With regard to corporate bonds, management considers (i) issuer bond ratings, (ii) historical loss rates for given bond ratings, (iii) whether issuers continue to make timely principal and interest payments under the contractual terms of the securities, and (iv) internal forecasts. Securities under the U.S. Small Business Administration (“SBA”) government guaranteed loan pools program were purchased at a premium and the impairment was attributable primarily to increased prepayment speeds. The timely payment of principal and interest on these securities is guaranteed by the U.S. Government agency. The contractual terms of the subordinated notes do not permit the issuer to settle the securities at a price less than the amortized cost bases of the investments. Furthermore, as of September 30, 2024, there were no past due principal or interest payments associated with these securities. Based upon (i) the issuer’s strong bond ratings and (ii) a zero historical loss rate, no allowance for credit losses has been recorded for available-for-sale securities at September 30, 2024. All debt securities in an unrealized loss position as of September 30, 2024 continue to perform as scheduled and the Company does not believe there is a possible credit loss or that an allowance for credit loss on these debt securities is necessary. As of September 30, 2024 and December 31, 2023, available-for-sale securities of $35.6 million and $68.5 million, respectively, were pledged to the Federal Home Loan Bank ("FHLB") and Federal Reserve Bank (“FRB”). The securities were pledged primarily to secure borrowings from the FHLB and FRB. The following summarizes, by class and contractual maturity, the amortized cost and estimated fair value of available-for-sale debt securities held as of September 30, 2024 and December 31, 2023. The mortgages underlying the mortgage-backed securities are not due at a single maturity date. Additionally, these mortgages often are and generally may be pre-paid without penalty, creating a degree of uncertainty that such investments can be held until maturity. For convenience, mortgage-backed securities have been included in the summary as a separate line item. (In thousands) Amortized Cost Fair Value Due Due After Due Total Due Due After Due Total September 30, 2024: Corporate bonds $ 2,000 $ 15,995 $ — $ 17,995 $ 1,953 $ 12,752 $ — $ 14,705 Subordinated notes 3,000 2,000 — 5,000 2,580 1,819 — 4,399 SBA loan pools — — 4,561 4,561 — — 3,698 3,698 Municipal bonds 153 405 — 558 142 345 — 487 Available-for-sale securities with stated maturity dates 5,153 18,400 4,561 28,114 4,675 14,916 3,698 23,289 U. S. Government agency and mortgage-backed securities — 5,178 73,904 79,082 — 4,320 61,969 66,289 Total available-for-sale securities $ 5,153 $ 23,578 $ 78,465 $ 107,196 $ 4,675 $ 19,236 $ 65,667 $ 89,578 December 31, 2023: Corporate bonds $ 2,000 $ 15,995 $ — $ 17,995 $ 1,947 $ 11,819 $ — $ 13,766 Subordinated notes 3,000 2,000 — 5,000 2,527 1,700 — 4,227 SBA loan pools — 1,096 4,906 6,002 — 1,084 3,953 5,037 Municipal bonds 153 406 — 559 140 346 — 486 Available-for-sale securities with stated maturity dates 5,153 19,497 4,906 29,556 4,614 14,949 3,953 23,516 U. S. Government agency and mortgage-backed securities — 5,222 75,278 80,500 — 4,237 61,434 65,671 Total available-for-sale securities $ 5,153 $ 24,719 $ 80,184 $ 110,056 $ 4,614 $ 19,186 $ 65,387 $ 89,187

Loans Receivable and Allowance

Loans Receivable and Allowance for Credit Losses	9 Months Ended
	Sep. 30, 2024
Credit Loss [Abstract]
Loans Receivable and Allowance for Credit Losses	Loans Receivable and Allowance for Credit Losses As of September 30, 2024 and December 31, 2023, loans receivable, net, consisted of the following: (In thousands) September 30, 2024 December 31, 2023 Loan portfolio segment: Commercial Real Estate $ 452,155 $ 472,093 Residential Real Estate 94,579 106,783 Commercial and Industrial 134,333 163,565 Consumer and Other 68,418 99,688 Construction 3,829 4,266 Construction to Permanent - CRE 2,357 2,464 Loans receivable, gross 755,671 848,859 Allowance for credit losses (14,984) (15,925) Loans receivable, net $ 740,687 $ 832,934 Patriot's lending activities are conducted principally in Fairfield and New Haven Counties in Connecticut and Westchester County in New York, and the five Boroughs of New York City. Patriot originates commercial real estate loans, commercial business loans, a variety of consumer loans, and construction loans, and has purchased residential loans since 2016. All commercial and residential real estate loans are collateralized primarily by first or second mortgages on real estate. The ability and willingness of borrowers to satisfy their loan obligations is dependent to some degree on the status of the regional economy as well as upon the regional real estate market. Accordingly, the ultimate collectability of a substantial portion of the loan portfolio and the recovery of a substantial portion of any resulting real estate acquired is susceptible to changes in market conditions. Patriot has established credit policies applicable to each type of lending activity in which it engages and evaluates the creditworthiness of each borrower. Unless extenuating circumstances exist, Patriot limits the extension of credit on commercial real estate loans to 75% of the market value of the underlying collateral. Patriot’s loan origination policy for multi-family residential real estate is limited to 80% of the market value of the underlying collateral. In the case of construction loans, the maximum loan-to-value is 75% of the “as completed” appraised value of the real estate project. Management monitors the appraised value of collateral on an on-going basis and additional collateral is requested when warranted. Real estate is the primary form of collateral, although other forms of collateral do exist and may include such assets as accounts receivable, inventory, marketable securities, time deposits, and other business assets. Risk characteristics of the Company ’ s portfolio classes include the following: Commercial Real Estate Loans In underwriting commercial real estate ("CRE") loans, Patriot evaluates both the prospective borrower’s ability to make timely payments on the loan and the value of the property securing the loans. Repayment of such loans may be negatively impacted should the borrower default, the value of the property collateralizing the loan substantially decline, or there are declines in general economic conditions. Where the owner occupies the property, Patriot also evaluates the business’ ability to repay the loan on a timely basis and may require personal guarantees, lease assignments, and/or the guarantee of the operating company. During the three and nine months ended September 30, 2024 and 2023, Patriot did not purchase any commercial real estate loans. Residential Real Estate Loans Patriot’s residential real estate loan portfolio consists primarily of purchased residential loans. The repayment of residential real estate loans, as well as the loans secured by residential real estate, may be negatively impacted if borrowers experience financial difficulties, if there is a significant decline in the value of the property securing the loan, or if there are declines in general economic conditions. During the three and nine months ended September 30, 2024, Patriot purchased $41,000 and $127,000 residential real estate loans, respectively. During the three and nine months ended 2023, Patriot did not purchase any residential real estate loans. In 2024, the Bank reentered the residential mortgage business, began originating mortgage loans through its mortgage origination unit, Residential Mortgage Division, based in Jacksonville, Florida. These mortgage loans are typically sold to third parties. For further details, refer to Loans Held for Sale disclosures in footnote 5. Commercial and Industrial Loans Patriot’s commercial and industrial loan portfolio consists primarily of commercial business loans and lines of credit to businesses and professionals. These loans are generally for the financing of accounts receivable, purchases of inventory, purchases of new or used equipment, or for other short- or long-term working capital purposes. These loans are generally secured by business assets but are also occasionally offered on an unsecured basis. In granting these types of loans, Patriot considers the borrower’s cash flow as the primary source of repayment, supported by the value of collateral, if any, and personal guarantees, as applicable. Repayment of commercial and industrial loans may be negatively impacted by adverse changes in economic conditions, ineffective management, claims on the borrower’s assets by others that are superior to Patriot’s claims, a loss of demand for the borrower’s products or services, or the death or disability of the borrower or other key management personnel. Patriot’s syndicated and leveraged loan portfolio totaled $5.7 million at both September 30, 2024 and December 31, 2023. The syndicated and leveraged loan is included in the commercial and industrial loan classification and is comprised of loan transaction led by a major financial institution, which is the Agent Bank or Lead Arranger, and is referred to as a syndicated loan or "Shared National Credit (SNC)". The SNC loan was determined to be complementary to the Bank’s existing commercial and industrial loan portfolio and product offerings. Further originations in this loan class are not expected. Consumer and Other Loans Patriot offers individual consumers various forms of credit including installment loans, credit cards, overdraft protection, auto loans and reserve lines of credit. Repayments of such loans are generally dependent on the personal income of the borrower, which may be negatively impacted by adverse changes in economic conditions. The Company does not place a high emphasis on originating these types of loans. The Company has purchased unsecured consumer loans from a third party which are higher yielding loans of 2-5 year terms that are expected to incur an increased level of charge-offs. Loans outstanding under this program at September 30, 2024 and December 31, 2023 totaled $26.1 million and $48.5 million, respectively. No loans were purchased under this program for three and nine months ended September 30, 2024. For the three and nine months ended September 30, 2023, the Bank purchased $1.8 million and $15.4 million unsecured consumer loans, respectively. The Company does not originate any lending programs commonly referred to as subprime lending. Subprime lending generally targets borrowers with weakened credit histories that are typically characterized by payment delinquencies, previous charge-offs, judgments against the consumer, a history of bankruptcies, or borrowers with questionable repayment capacity as evidenced by low credit scores or high debt-burdened ratios. During the three and nine months ended September 30, 2024, Patriot did not purchase any home equity line of credit loans (“HELOC”). During the three and nine months ended September 30, 2023, the Bank purchased HELOC loans of $1.5 million and $4.4 million, respectively. Construction Loans Construction loans are of a short-term nature, generally of eighteen months or less, that are secured by land and improvements intended for commercial, residential, or mixed-use development. Loan proceeds may be used for the acquisition of or improvements to the land under development and funds are generally disbursed as phases of construction are completed. Included in this category are loans to construct single family homes where no contract of sale exists, based upon the experience and financial strength of the builder, the type and location of the property, and other factors. Construction loans tend to be personally guaranteed by the principal(s). Repayment of such loans may be negatively impacted by an inability to complete construction, a downturn in the market for new construction, by a significant increase in interest rates, or by decline in general economic conditions. The construction loans outstanding at September 30, 2024 and December 31, 2023 totaled $3.8 million and $4.3 million, respectively. Construction to Permanent - Commercial Real Estate Construction to permanent loans represent a one-time close of a construction facility with simultaneous conversion to an amortizing mortgage loan. Construction to permanent loans combine a short-term period similar to a construction loan, generally with a variable rate, and a longer term commercial real estate loan typically 20-25 years, resetting every five years to the Federal Home Loan Bank (“FHLB”) rate. Close of the permanent facility typically occurs when events dictate, such as receipt of a certificate of occupancy and property stabilization, which is defined as cash flow sufficient to support a pre-defined minimum debt coverage ratio and other conditions and covenants particular to the loan. Construction facilities are typically variable rate instruments that, upon conversion to an amortizing mortgage loan, reset to a fixed rate instrument that is the greater of the in-force variable rate plus a predetermined spread over a reference rate (e.g., prime) or a minimum interest rate. Small Business Administration ("SBA") Loans Patriot originates SBA 7(a) loans, on which the SBA has historically provided guarantees of 75% of the principal balance. However, during the pandemic in 2021, the SBA temporarily increased the guarantees to 90% and reverted to 75% on October 1, 2021. The guaranteed portion of the Company’s SBA loans is generally sold in the secondary market with the unguaranteed portion held in the portfolio as a loan held for investment. SBA loans are for the purpose of providing working capital, financing the purchase of equipment, inventory, or commercial real estate and for other business purposes. Loans are guaranteed by the businesses' major owners. SBA loans are made based primarily on the historical and projected cash flow of the business and secondarily on the underlying collateral provided. SBA loans held for investment are included in the commercial real estate loans and commercial and industrial loan classifications, which totaled $31.0 million and $30.0 million as of September 30, 2024 and December 31, 2023, respectively. During the nine months ended September 30, 2024, $5.5 million SBA loans previously classified as held for sale were transferred to held for investment. No held for sale SBA loans were transferred to held for investment during the nine months ended September 30, 2023. Small Business Administration Paycheck Protection Program Under the Paycheck Protection Program of the CARES Act, small business loans were authorized to pay payroll and group health costs, salaries and commissions, mortgage and rent payments, utilities, and interest on other debt. The loans are provided through participating financial institutions that process loan applications and service the loans. The Bank participated in the SBA’s Paycheck Protection Program in 2021. Paycheck Protection Program loans totaled $130,000 and $133,000 as of September 30, 2024 and December 31, 2023, respectively, which are included in the commercial and industrial loan classifications. Allowance for Credit Losses The Company adopted ASU 2016-13 on January 1, 2023, which introduced the current expected credit loss ("CECL") methodology for estimating all expected losses over the life of a financial asset. Under the CECL methodology, the allowance for credit losses ("ACL") is measured on a collective basis for pools of loans with similar risk characteristics. For loans that do not share similar risk characteristics with the collectively evaluated pools, evaluations are performed on an individual basis. For all loan segments collectively evaluated, losses are predicted over a period of time determined to be reasonable and supportable, and at the end of the reasonable and supportable forecast period losses are reverted to long-term historical averages. The estimated credit losses for all loan segments are adjusted for changes in qualitative factors not inherently considered in the quantitative analyses. The Company estimates expected credit losses for pooled loans using a modeling method that incorporates probability of default ("PD") and loss given default ("LGD"). The PD model employs a quarterly risk-rating transition method to estimate the probability of default by simulating loan downgrades and assigning increasing default probabilities to each loan. This captures the likelihood that borrowers will be unable to repay their loans according to the original terms. The LGD calculation considers characteristics such as collateral value and vintage, underlying collateral characteristics (e.g., CRE vs. residential, owner-occupied vs. investment), a floor for the LGD calculation (minimum loss in event of default regardless of collateral protection), and other relevant underwriting characteristics. Also calculated is the exposure at default. The probability of default is multiplied by the loss given default and the exposure at default. This calculation is forecasted for every year remaining in the life of each loan, and the results are aggregated to determine the necessary level of ACL for the pooled loans. Forecasted exposure at default can be influenced by prepayments speeds, which management elected to discount in part to reflect the expectation of slower voluntary prepayments in the face of an increasing interest rate environment. Commercial and industrial loans include risks associated with borrower’s cash flow, debt service coverage and management’s expertise. These loans are subject to the risk that the Company may have difficulty converting collateral to a liquid asset if necessary, as well as risks associated with degree of specialization, mobility and general collectability in a default situation. These commercial loans may be subject to many different types of risks, including fraud, bankruptcy, economic downturn, deteriorated or non-existent collateral, and changes in interest rates. Real estate construction loans include risks associated with the borrower’s credit-worthiness, contractor’s qualifications, borrower and contractor performance, and the overall risk and complexity of the proposed project. Construction lending is also subject to risks associated with sub-market dynamics, including population, employment trends and household income. During times of economic stress, this type of loan has typically had a greater degree of risk than other loan types. Real estate mortgage loans consist of loans secured by commercial and residential real estate. Commercial real estate lending is divided into Investment CRE and Owner-Occupied CRE. Investment CRE is dependent upon successful management, marketing and expense supervision necessary to maintain the property. Repayment of these loans may be adversely affected by conditions in the real estate market or the general economy. Owner-Occupied CRE is utilized by a business for the purpose of providing the space needs for that business and the running of its operations. Repayment is dependent on the cash flow and successful operations of the business. Repayment of these loans may be adversely affected by conditions in the specific owner’s industry. Also, commercial real estate loans typically involve relatively large loan balances to a single borrower. Residential real estate lending risks are generally less significant than those of other loans. Real estate lending risks include fluctuations in the value of real estate, bankruptcies, economic downturn and customer financial problems. Consumer loans carry a moderate degree of risk compared to other loans. They are generally more risky than traditional residential real estate loans, and carry generally low relative balances across a diverse borrowing pool. Risk of default is assessed based on FICO scores, debt to income ratios, historical loss rates other common consumer loan metrics. For the pool of purchased unsecured consumer loans, the risk of default and necessary ACL is assessed on an individual loan basis using a customized model that heavily weights payment/delinquency status, FICO scores, and remaining loan life until maturity. The Company maintains an ACL for credit losses on unfunded lending commitments and letters of credit to provide for the risk of loss inherent in these arrangements. The allowance is computed using a methodology similar to that used to determine the ACL for loans, modified to take into account the probability of a drawdown on the commitment. The ACL on unfunded loan commitments is classified as a liability account on the Consolidated Balance Sheets within other liabilities, while the corresponding provision for these credit losses is recorded as a component of provision for credit losses. The allowance for credit losses on unfunded commitments was $177,000 at September 30, 2024 and $271,000 at December 31, 2023, respectively. The following tables summarize the activity in the allowance for credit losses, allocated to segments of the loan portfolio, for the three months ended September 30, 2024 and 2023: (In thousands) Commercial Residential Commercial Consumer Construction Construction to Total Three Months Ended September 30, 2024 Allowance for credit losses: June 30, 2024 $ 7,958 $ 678 $ 1,215 $ 5,133 $ 5 $ — $ 14,989 Charge-offs (124) — (122) (1,266) — — (1,512) Recoveries — — 160 263 — — 423 Provisions (credits) 1,211 (70) (197) 143 (3) — 1,084 (1) September 30, 2024 $ 9,045 $ 608 $ 1,056 $ 4,273 $ 2 $ — $ 14,984 Three Months Ended September 30, 2023 Allowance for credit losses: June 30, 2023 $ 10,039 $ 1,027 $ 1,673 $ 11,275 $ 33 $ 51 $ 24,098 Charge-offs — (113) (423) (3,012) — — (3,548) Recoveries — 3 9 306 — — 318 Provisions (credits) 3,321 171 149 1,127 (31) 63 4,800 (2) September 30, 2023 $ 13,360 $ 1,088 $ 1,408 $ 9,696 $ 2 $ 114 $ 25,668 (1) The provision on credit losses included in the above table for the three months ended September 30, 2024 does not include the credit on unfunded loan commitments of $58,000. (2) The provision on credit losses included in the above table for the three months ended September 30, 2023 does not include the credit on unfunded loan commitments of $112,000. The following tables summarize the activity in the allowance for credit losses, allocated to segments of the loan portfolio, for the nine months ended September 30, 2024 and 2023: (In thousands) Commercial Residential Real Estate Commercial Consumer Construction Construction Unallocated Total Nine Months Ended September 30, 2024 Allowance for credit losses: December 31, 2023 $ 6,089 $ 607 $ 1,269 $ 7,843 $ 4 $ 113 $ — $ 15,925 Charge-offs (282) (21) (936) (5,638) — — — (6,877) Recoveries — — 238 828 — — — 1,066 Provisions (credits) 3,238 22 485 1,240 (2) (113) — 4,870 (3) September 30, 2024 $ 9,045 $ 608 $ 1,056 $ 4,273 $ 2 $ — $ — $ 14,984 Nine Months Ended September 30, 2023 Allowance for credit losses: December 31, 2022 $ 6,966 $ 665 $ 1,403 $ 1,207 $ 24 $ 10 $ 35 $ 10,310 Impact of ASC 326 Adoption 1,626 189 219 10,977 (4) 29 (35) 13,001 Charge-offs — (113) (429) (7,324) (150) — — (8,016) Recoveries — 14 25 739 — — — 778 Provisions (credits) 4,768 333 190 4,097 132 75 — 9,595 (4) September 30, 2023 $ 13,360 $ 1,088 $ 1,408 $ 9,696 $ 2 $ 114 $ — $ 25,668 (3) The provision on credit losses for the nine months ended September 30, 2024 does not include the credit on unfunded loan commitments of $94,000. (4) The provision on credit losses for the nine months ended September 30, 2023 does not include the credit on unfunded loan commitments of $1.4 million. The following tables summarize, by loan portfolio segment, the amount of loans receivable evaluated individually and collectively for allowance for credit losses as of September 30, 2024: (In thousands) Commercial Residential Commercial Consumer Construction Construction to Total September 30, 2024 Allowance for credit losses: Individually evaluated loans $ 7,010 $ — $ — $ — $ — $ — $ 7,010 Collectively evaluated loans 2,035 608 1,056 4,273 2 — 7,974 Total allowance for credit losses $ 9,045 $ 608 $ 1,056 $ 4,273 $ 2 $ — $ 14,984 Loans receivable, gross: Individually evaluated loans $ 28,254 $ — $ 4,378 $ — $ — $ 2,357 $ 34,989 Collectively evaluated loans 423,901 94,579 129,955 68,418 3,829 — 720,682 Total loans receivable, gross $ 452,155 $ 94,579 $ 134,333 $ 68,418 $ 3,829 $ 2,357 $ 755,671 The following tables summarize, by loan portfolio, the amount of loans receivable evaluated individually and collectively for allowance for credit losses as of December 31, 2023: (In thousands) Commercial Residential Commercial Consumer Construction Construction to Total December 31, 2023 Allowance for credit losses: Individually evaluated loans $ 3,813 $ — $ 392 $ — $ — $ — $ 4,205 Collectively evaluated loans 2,276 607 877 7,843 4 113 11,720 Total allowance for credit losses $ 6,089 $ 607 $ 1,269 $ 7,843 $ 4 $ 113 $ 15,925 Loans receivable, gross: Individually evaluated loans $ 12,775 $ — $ 3,904 $ — $ 454 $ — $ 17,133 Collectively evaluated loans 459,318 106,783 159,661 99,688 3,812 2,464 831,726 Total loans receivable, gross $ 472,093 $ 106,783 $ 163,565 $ 99,688 $ 4,266 $ 2,464 $ 848,859 Patriot monitors the credit quality of its loans receivable on an ongoing basis. Credit quality is monitored by reviewing certain indicators, including cash flow from business operations, loan to value ratios, debt service coverage ratios, and credit scores. Patriot employs a risk rating system as part of the risk assessment of its loan portfolio. At origination, credit officers are required to assign a risk rating to each loan in their portfolio, which is ratified or modified by the Loan Committee to which the loan is submitted for approval. If financial developments occur on a loan in the credit officer’s portfolio of responsibility, the risk rating is reviewed and adjusted, as applicable. In carrying out its oversight responsibilities, the Loan Committee can adjust a risk rating based on available information. In addition, the risk ratings on all commercial loans over $250,000 are reviewed by the Credit Department either annually or biannually, or every 4 years, depending upon the amount of the bank’s exposure and other credit metrics. Additionally, Patriot retains an independent third-party loan review firm to perform a semi-annual analysis of the results of its risk rating process. The semi-annual review is based on a randomly selected sample of loans within established parameters (e.g., value, concentration), in order to assess and validate the risk ratings assigned to individual loans. Any changes to the assigned risk ratings, based on the semi-annual review, are required to be reported to the Audit Committee of the Board of Directors. When assigning a risk rating to a loan, management utilizes the Bank’s internal eleven-point risk rating system. An asset is considered “special mention” when it has a potential weakness based on objective evidence, but does not currently expose the Company to sufficient risk to warrant classification in one of the following categories: • Substandard: An asset is classified “substandard” if it is not adequately protected by the current net worth and paying capacity of the obligor or the collateral pledged, if any. Substandard assets have well defined weaknesses based on objective evidence, and are characterized by the distinct possibility that the Company will sustain some loss, if noted deficiencies are not corrected. • Doubtful: Assets classified as “doubtful” have all of the weaknesses inherent in those classified as “substandard”, with the added characteristic that the identified weaknesses make collection or liquidation-in-full improbable, on the basis of currently existing facts, conditions, and values. Charge-offs of loans to reduce the loan to its recoverable value that are solely collateral dependent, generally occur immediately upon confirmation of the partial loss amount. Loans that are cash flow dependent are modeled to reflect the expected cash flows through expected loan maturity, including any proceeds from refinancing or principal curtailment. A specific reserve is established for the amount by which the net investment in the loan exceeds the present value of discounted cash flows. Charge-offs on cash flow dependent loans also generally occur immediately upon confirmation of the partial loss amount. If either type of loan is classified as "Loss”, meaning full loss on the loan is expected, the full balance of the loan receivable is charged off, regardless of the potential recovery from a sale of the underlying collateral. Any amount that may be recovered on the sale of collateral underlying a loan is recognized as a “recovery” in the period in which the collateral is sold. In accordance with Federal Financial Institutions Examination Council published policies establishing uniform criteria for the classification of retail credit based on delinquency status, “Open-end” and “Closed-end” credits are charged off when 180 days and 90 days delinquent, respectively. Loans receivable that are part of the unsecured loan purchase program are charged-off in full when the loan is 90 days past due. The allowance for credit losses may increase to reflect the decline in the performance of the loan portfolio and the higher level of incurred losses. Loan Portfolio Vintage Analysis The following tables summarize loan amortized cost by vintage, credit quality indicator, class of loans and charge-offs based on year of origination as of September 30, 2024: Term of Loans by Origination As of September 30, 2024: 2024 2023 2022 2021 2020 Prior Revolving Total Loans Loan portfolio segment: Commercial Real Estate: Pass $ — $ 106,912 $ 130,761 $ 89,463 $ 3,331 $ 74,427 $ — $ 404,894 Special mention — — 12,693 899 — 436 — 14,028 Substandard — 867 3,974 17,252 233 10,907 — 33,233 Total — 107,779 147,428 107,614 3,564 85,770 — 452,155 Current period gross charge-offs — — — — — 282 — 282 Residential Real Estate: Pass 373 — 1,227 2,831 9,633 77,192 741 91,997 Special mention — — — — 1,053 1,398 — 2,451 Substandard — — — — — 131 — 131 Total 373 — 1,227 2,831 10,686 78,721 741 94,579 Current period gross charge-offs — — — — — 21 — 21 Commercial and Industrial: Pass 872 2,785 14,230 20,564 1,003 6,337 78,612 124,403 Special mention — 5 19 40 — 887 750 1,701 Substandard — 263 505 843 5,706 808 104 8,229 Total 872 3,053 14,754 21,447 6,709 8,032 79,466 134,333 Current period gross charge-offs — — — — — 936 — 936 Consumer and Other: Pass 282 3,247 20,085 2,346 — 16,517 24,545 67,022 Substandard — 59 459 19 — 424 435 1,396 Total 282 3,306 20,544 2,365 — 16,941 24,980 68,418 Current period gross charge-offs — 253 4,900 485 — — — 5,638 Construction: Pass — — — 3,829 — — — 3,829 Total — — — 3,829 — — — 3,829 Construction to Permanent - CRE: Substandard — — — 2,357 — — — 2,357 Total — — — 2,357 — — — 2,357 Total loans $ 1,527 $ 114,138 $ 183,953 $ 140,443 $ 20,959 $ 189,464 $ 105,187 $ 755,671 Total Current period gross charge-offs $ — $ 253 $ 4,900 $ 485 $ — $ 1,239 $ — $ 6,877 Loans receivable, gross: Pass $ 1,527 $ 112,944 $ 166,303 $ 119,033 $ 13,967 $ 174,473 $ 103,898 $ 692,145 Special mention — 5 12,712 939 1,053 2,721 750 18,180 Substandard — 1,189 4,938 20,471 5,939 12,270 539 45,346 Total Loans receivable, gross $ 1,527 $ 114,138 $ 183,953 $ 140,443 $ 20,959 $ 189,464 $ 105,187 $ 755,671 Current period gross charge-offs $ — $ 253 $ 4,900 $ 485 $ — $ 1,239 $ — $ 6,877 The following tables summarize loan amortized cost by vintage, credit quality indicator, class of loans and charge-offs based on year of origination as of December 31, 2023: Term of Loans by Origination As of December 31, 2023: 2023 2022 2021 2020 2019 Prior Revolving Total Loans Loan portfolio segment: Commercial Real Estate: Pass $ 104,683 $ 138,091 $ 111,308 $ 3,401 $ 31,832 $ 63,526 $ — $ 452,841 Special mention — 6,482 — — — — — 6,482 Substandard — 1,799 — 280 10,000 691 — 12,770 Total 104,683 146,372 111,308 3,681 41,832 64,217 — 472,093 Current period gross charge-offs — — — — 6,341 5 — 6,346 Residential Real Estate: Pass — 1,251 2,975 11,577 15,770 74,596 614 106,783 Total — 1,251 2,975 11,577 15,770 74,596 614 106,783 Current period gross charge-offs — — — — — 515 — 515 Commercial and Industrial: Pass 2,696 13,916 23,099 8,004 9,578 7,024 96,431 160,748 Special mention 6 348 — — 37 11 104 506 Substandard 16 — 801 — 401 1,093 — 2,311 Total 2,718 14,264 23,900 8,004 10,016 8,128 96,535 163,565 Current period gross charge-offs — 182 85 — 516 144 — 927 Consumer and Other: Pass 6,470 36,668 4,724 — 5,590 14,314 30,945 98,711 Substandard 197 645 61 — — — 74 977 Total 6,667 37,313 4,785 — 5,590 14,314 31,019 99,688 Current period gross charge-offs 114 9,013 1,280 — 6 66 — 10,479 Construction: Pass — — 3,812 — — — — 3,812 Substandard — — — — 454 — — 454 Total — — 3,812 — 454 — — 4,266 Current period gross charge-offs — — 150 — — — — 150 Construction to Permanent - CRE: Special mention — — 2,464 — — — — 2,464 Total — — 2,464 — — — — 2,464 Total loans $ 114,068 $ 199,200 $ 149,244 $ 23,262 $ 73,662 $ 161,255 $ 128,168 $ 848,859 Total Current period gross charge-offs $ 114 $ 9,195 $ 1,515 $ — $ 6,863 $ 730 $ — $ 18,417 Loans receivable, gross: Pass $ 113,849 $ 189,926 $ 145,918 $ 22,982 $ 62,770 $ 159,460 $ 127,990 $ 822,895 Special mention 6 6,830 2,464 — 37 11 104 9,452 Substandard 213 2,444 862 280 10,855 1,784 74 16,512 Loans receivable, gross $ 114,068 $ 199,200 $ 149,244 $ 23,262 $ 73,662 $ 161,255 $ 128,168 $ 848,859 Total Current period gross charge-offs $ 114 $ 9,195 $ 1,515 $ — $ 6,863 $ 730 $ — $ 18,417 Loan Portfolio Aging Analysis The following tables summarize performing and non-performing (i.e., non-accruing) loans receivable by portfolio segment, by aging category, by delinquency status as of September 30, 2024: (In thousands) Performing (Accruing) Loans As of September 30, 2024: 30 - 59 Days Past Due 60 - 89 Days Past Due 90 Days or Greater Past Due Total Past Due Current Total Performing Loans Non- accruing Loans Loans Receivable Gross Loan portfolio segment: Commercial Real Estate: Pass $ 185 $ — $ — $ 185 $ 401,524 $ 401,709 $ 3,185 $ 404,894 Special mention 770 — — 770 13,258 14,028 — 14,028 Substandard 306 — 3,979 4,285 3,878 8,163 25,070 33,233 1,261 — 3,979 5,240 418,660 423,900 28,255 452,155 Residential Real Estate: Pass — — — — 91,997 91,997 — 91,997 Special mention — — — — 2,451 2,451 — 2,451 Substandard — — — — — — 131 131 — — — — 94,448 94,448 131 94,579 Commercial and Industrial: Pass — 1,111 — 1,111 120,184 121,295 3,108 124,403 Special mention 19 — — 19 1,682 1,701 — 1,701 Substandard 604 350 — 954 5,986 6,940 1,289 8,229 623 1,461 — 2,084 127,852 129,936 4,397 134,333 Consumer and Other: Pass 810 508 — 1,318 65,704 67,022 — 67,022 Substandard — — — — — — 1,396 1,396 810 508 — 1,318 65,704 67,022 1,396 68,418 Construction: Pass — — — — 3,829 3,829 — 3,829 — — — — 3,829 3,829 — 3,829 Construction to Permanent - CRE: Substandard — — — — — — 2,357 2,357 — — — — — — 2,357 2,357 Total $ 2,694 $ 1,969 $ 3,979 $ 8,642 $ 710,493 $ 719,135 $ 36,536 $ 755,671 Loans receivable, gross: Pass $ 995 $ 1,619 $ — $ 2,614 $ 683,238 $ 685,852 $ 6,293 $ 692,145 Special mention 789 — — 789 17,391 18,180 — 18,180 Substandard 910 350 3,979 5,239 9,864 15,103 30,243 45,346 Loans receivable, gross $ 2,694 $ 1,969 $ 3,979 $ 8,642 $ 710,493 $ 719,135 $ 36,536 $ 755,671 As of September 30, 2024, the loan 90 days past due and still accruing of $4.0 million, represented a 50% participation in a matured CRE loan for which an extension has been agreed to in exchange for a principal reduction and cash collateral, both of which have been deposited with lead bank pending documentation. The following tables summarize performing and non-performing loans (i.e., non-accruing) receivable by portfolio segment, by aging category, by delinquency status as of December 31, 2023: (In thousands) Performing (Accruing) Loans As of December 31, 2023: 30 - 59 Days Past Due 60 - 89 Days Past Due 90 Days or Greater Past Due Total Past Due Current Total Performing Loans N

Loans Held for Sale

Loans Held for Sale	9 Months Ended
	Sep. 30, 2024
Receivables [Abstract]
Loans Held for Sale	Loans Held for Sale SBA Loans held for sale SBA Loans held for sale represent the guaranteed portion of SBA loans originated and are reflected at the lower of aggregate cost or market value. As of September 30, 2024, there were no SBA loans held for sale. There were $9.9 million SBA loans held for sale at December 31, 2023, consisting of $3.5 million SBA commercial and industrial loans and $6.4 million SBA commercial real estate loans. During the three and nine months ended September 30, 2024, $5.5 million SBA loans previously classified as held for sale were transferred to held for investment. No SBA held for sale loans were transferred to held for investment in the three and nine months ended September 30, 2023. The Company generally sells the guaranteed portion of its SBA loans to a third party and retains the servicing, holding the unguaranteed portion in its portfolio. When sales of SBA loans do occur, the premium received on the sale and the present value of future cash flows of the servicing assets, less the discount of the retained portion of the loan are recognized in income. Servicing assets represent the estimated fair value of retained servicing rights, net of servicing costs, at the time loans are sold. Servicing assets are amortized in proportion to, and over the period of, estimated net servicing revenues. Impairment will be evaluated based on stratifying the underlying financial assets by date of origination and term. Fair value is determined using prices for similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Any impairment, if temporary, would be reported as a valuation allowance. Serviced loans sold to others are not included in the accompanying Consolidated Balance Sheets. The total amount of such loans serviced, but owned by a third party, amounted to approximately $46.0 million and $47.5 million at September 30, 2024 and December 31, 2023, respectively. As of September 30, 2024 and December 31, 2023, the servicing asset has a carrying value of $791,000 and $857,000, respectively, and fair value of $848,000 and $932,000, respectively. Income and fees collected for loan servicing are credited to noninterest income when earned, net of amortization on the related servicing assets. The servicing asset is included in other assets on the Consolidated Balance Sheets. The following table presents an analysis of the activity in the SBA servicing assets for the three and nine months ended September 30, 2024 and 2023: (In thousands) Three Month Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Beginning balance $ 790 $ 882 $ 857 $ 886 Servicing rights capitalized 38 27 111 85 Servicing rights amortized (15) (23) (49) (45) Servicing rights disposed (22) (7) (128) (47) Ending balance $ 791 $ 879 $ 791 $ 879 Loans held for sale - Consumer Loans The Bank's Digital Payments Division has entered into a Program Management Agreement with a Buyer. Under the agreement, Patriot originates various types of consumer loans that are marketed by the buyer. As of September 30, 2024 and December 31, 2023, the Bank had credit card loans held for sale totaling $10.2 million and $10.8 million, respectively. The credit card loans expected to be held for no longer than three days before being sold to the buyer. The credit card loans are fully cash-secured by deposits at Patriot. The credit card loans are sold to the buyer as a whole loan sale transaction, priced at par, thus there is no servicing asset or gain or loss on sale. Loans held for sale Residential Mortgage Loans

Deposits

Deposits	9 Months Ended
	Sep. 30, 2024
Deposits [Abstract]
Deposits	Deposits The following table presents the balance of deposits held, by category as of September 30, 2024 and December 31, 2023: (In thousands) September 30, 2024 December 31, 2023 Non-interest bearing $ 91,583 $ 110,056 Interest bearing: Negotiable order of withdrawal accounts 27,984 33,035 Savings deposits 38,824 44,104 Interest bearing DDA 183,132 171,577 Money market 178,479 200,280 Certificates of deposit, $250,000 or less 167,788 175,988 Certificates of deposit, more than $250,000 65,022 64,745 Brokered deposits 72,077 40,526 Interest bearing, Total 733,306 730,255 Total Deposits $ 824,889 $ 840,311 The deposits from Digital Payments Division are included in the non-interest-bearing deposits, interest bearing DDA and money market deposits, and totaled approximately $235.1 million and $213.4 million as of September 30, 2024 and December 31, 2023, respectively. As of September 30, 2024, contractual maturities of Certificates of Deposit (“CDs”), and brokered deposits is summarized as follows: (In thousands) Certificates of Deposit Certificates of Deposit Brokered Total 1 year or less $ 143,289 $ 52,906 $ 17,334 $ 213,529 More than 1 year through 2 years 20,292 9,464 49,701 79,457 More than 2 years through 3 years 3,935 2,652 5,042 11,629 More than 3 years through 4 years 69 — — 69 More than 4 years through 5 years 203 — — 203 $ 167,788 $ 65,022 $ 72,077 $ 304,887

Derivatives

Derivatives	9 Months Ended
	Sep. 30, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivatives	Derivatives Derivatives Not Designated in Hedge Relationships Patriot is party to interest rate swap derivatives that are not designated as hedging instruments. Under a program, Patriot will execute interest rate swaps with commercial lending customers to facilitate their respective risk management strategies. These interest rate swaps with customers are simultaneously offset by interest rate swaps that Patriot executes with a third party, such that Patriot minimizes its net risk exposure resulting from such transactions. Because the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. The changes in the fair value of the swaps offset each other, except for the credit risk of the counterparties, which is determined by taking into consideration the risk rating, probability of default and loss given default for all counterparties. As of September 30, 2024 and December 31, 2023 , Patriot did not have any cash pledged for collateral on its interest rate swaps. No net gain or loss was recognized in other noninterest income on the Consolidated Statements of Operations during the three and nine months ended September 30, 2024 and 2023. Information about the valuation methods used to measure the fair value of derivatives is provided in Note 13 to the Consolidated Financial Statements. The following table presents summary information regarding these derivatives for the periods presented (dollars in thousands): (In thousands) Notional Maturity Fixed Rate Variable Fair Value September 30, 2024 Classified in Other Assets: 3rd party interest rate swap $ 1,300 4.80 4.38 % 1 Mo. SOFR + 2.00% $ 50 Classified in Other Liabilities: Customer interest rate swap 1,300 4.80 4.38 % 1 Mo. SOFR + 2.00% (50) December 31, 2023 Classified in Other Assets: 3rd party interest rate swap 1,327 5.50 4.38 % 1 Mo. SOFR + 2.00% 74 Classified in Other Liabilities: Customer interest rate swap 1,327 5.50 4.38 % 1 Mo. SOFR + 2.00% (74)

Share-based Compensation and Em

Share-based Compensation and Employee Benefit Plan	9 Months Ended
	Sep. 30, 2024
Share-Based Payment Arrangement [Abstract]
Share-Based Compensation and Employee Benefit Plan	Share-Based Compensation and Employee Benefit Plan In 2011, the Company adopted the Patriot National Bancorp, Inc. 2012 Stock Plan (the “2012 Plan”). The 2012 Plan was amended in 2020 and renamed as the Patriot National Bancorp, Inc. 2020 Restricted Stock Award Plan (the “2020 Plan”). A copy of the 2020 Plan was filed as Exhibit 10.1 to the Company’s Amendment No. 1 to Annual Report on Form 10-K/A for the year ended December 31, 2020 filed on April 30, 2021. The 2020 Plan provides an incentive to directors and employees of the Company by the grant of restricted stock awards (“RSA”).On November 10, 2022, the Board of Directors approved the Amendment and Restatement of the 2020 Plan (the “Amended and Restated 2020 Plan”), which was approved and ratified by shareholders of the Company on December 14, 2022. The 2020 Plan was amended primarily to (i) reduce the total number of shares authorized for issuance thereunder from 3,000,000 shares to 400,000 shares; and (ii) limit the maximum number of shares of Company’s Common Stock granted during a single fiscal year to any non-employee director, together with any cash fees paid to such director, to be no more than a total value of $300,000. As of September 30, 2024, 74,540 shares of stock were available for issuance under the Plan. In accordance with the terms of the Plan, the vesting of RSAs may be accelerated at the discretion of the Compensation Committee of the Board of Directors. The Compensation Committee sets the terms and conditions applicable to the vesting of RSAs. RSAs granted to directors and employees generally vest in quarterly or annual installments over a three four The following is a summary of the status of the Company’s restricted shares and changes for the three and nine months ended September 30, 2024 and 2023: Three months ended September 30, 2024: Number of Weighted Average Unvested at June 30, 2024 108,839 $4.16 Granted 53,125 $1.60 Unvested at September 30, 2024 161,964 $3.32 Nine months ended September 30, 2024: Unvested at December 31, 2023 17,506 $6.09 Granted 144,458 $2.98 Unvested at September 30, 2024 161,964 $3.32 Three months ended September 30, 2023 Number of Weighted Average Unvested at June 30, 2023 22,660 $7.11 Granted 4,761 $9.04 Unvested at September 30, 2023 27,421 $7.45 Nine months ended September 30, 2023: Unvested at December 31, 2022 22,660 $7.11 Granted 4,761 $9.04 Unvested at September 30, 2023 27,421 $7.45 The Company recognizes compensation expense for all director and employee share-based compensation awards on a straight-line basis over the requisite service period, which is equal to the vesting schedule of each award, for each vesting portion of an award equal to its grant date fair value. Unrecognized compensation expense attributable to the unvested restricted shares outstanding as of September 30, 2024 amounted to $493,000, which amount is expected to be recognized over the weighted average remaining life of the awards of 2.4 years. For the three and nine months ended September 30, 2024, the Company recognized total share-based compensation expense of $55,000 and $120,000, respectively. The share-based compensation attributable to employees of Patriot amounted to $43,000 and $88,000, respectively. Included in share-based compensation expense attributable to Patriot’s external directors, were $12,000 and $32,000, respectively. The directors received total compensation of $56,000 and $184,000 respectively, which amounts are included in other operating expenses in the consolidated statements of operations. For the three and nine months ended September 30, 2023, the Company recognized total share-based compensation expense of $31,000 and $77,000, respectively. The share-based compensation attributable to employees of Patriot amounted to $14,000 and $42,000, respectively. Included in share-based compensation expense were $16,000 and $34,000 attributable to Patriot’s external directors, who received total compensation of $73,000 and $181,000 for each of those periods, respectively. Dividends The Company has not paid any dividends since 2020 and has no present plans to pay dividends. Retirement Plan Patriot offers employees participation in the Patriot Bank, N.A. 401(k) Savings Plan (the "401(k) Plan") under Section 401(k) of the Internal Revenue Code, along with the ROTH feature to the Plan. The 401(k) Plan covers substantially all employees who have completed one month of service, are 21 years of age and who elect to participate. Under the terms of the 401(k) Plan, participants can contribute up to the maximum amount allowed, subject to Federal limitations. At its discretion, Patriot may match eligible participating employee contributions at the rate of 50% of the first 6% of the participants’ salary contributed to the 401(k) Plan. During the three and nine months ended September 30, 2024, Patriot made matching contributions to the 401(k) Plan of $68,000 and $236,000, respectively. During the three and nine months ended September 30, 2023, compensation expense under the 401(k) aggregated $71,000 and $228,000, respectively.

Earnings per share

Earnings per share	9 Months Ended
	Sep. 30, 2024
Earnings Per Share [Abstract]
Earnings per share	Earnings per share The Company is required to present basic earnings per share and diluted earnings per share in its Consolidated Statements of Operations. Basic earnings per share amounts are computed by dividing net income by the weighted average number of shares of common stock outstanding. Diluted earnings per share reflects additional shares of common stock that would have been outstanding if potentially dilutive shares of common stock had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential shares of common stock that may be issued by the Company relate to outstanding unvested RSAs granted to directors and employees. The dilutive effect resulting from these potential shares is determined using the treasury stock method. The Company is also required to provide a reconciliation of the numerator and denominator used in the computation of both basic and diluted earnings per share. The following table summarizes the computation of basic and diluted loss per share for the three and nine months ended September 30, 2024 and 2023: (Net loss in thousands) Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Basis loss per share: Net loss attributable to Common shareholders $ (26,954) $ (3,770) $ (30,334) $ (5,084) Divided by: Weighted average shares outstanding 3,976,073 3,965,186 3,976,073 3,965,186 Basic loss per share of common stock $ (6.78) $ (0.95) $ (7.63) $ (1.28) Diluted loss per share: Net loss attributable to Common shareholders $ (26,954) $ (3,770) $ (30,334) $ (5,084) Weighted average shares outstanding 3,976,073 3,965,186 3,976,073 3,965,186 Effect of potentially dilutive restricted shares of common stock — (1) — (2) — (3) — (4) Divided by: Weighted average diluted shares outstanding 3,976,073 3,965,186 3,976,073 3,965,186 Diluted loss per share of common stock $ (6.78) $ (0.95) $ (7.63) $ (1.28) (1) The weighted average diluted shares outstanding does not include 91,697 anti-dilutive restricted shares of common stock for the three months ended September 30, 2024. (2) The weighted average diluted shares outstanding does not include 1,651 anti-dilutive restricted shares of common stock for the three months ended September 30, 2023. (3) The weighted average diluted shares outstanding does not include 44,296 anti-dilutive restricted shares of common stock for the nine months ended September 30, 2024. (4) The weighted average diluted shares outstanding does not include 3,009 anti-dilutive restricted shares of common stock for the nine months ended September 30, 2023.

Financial Instruments With Off-

Financial Instruments With Off-balance Sheet Risk	9 Months Ended
	Sep. 30, 2024
Risks and Uncertainties [Abstract]
Financial Instruments with Off-Balance-Sheet Risk	Financial Instruments with Off-Balance Sheet Risk In the normal course of business, Patriot is a party to financial instruments with off-balance-sheet risk to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit and involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the balance sheet. The contractual amounts of these instruments reflect the extent of involvement Patriot has in particular classes of financial instruments. The contractual amount of commitments to extend credit and standby letters of credit represents the maximum amount of potential accounting loss should: the contract be fully drawn upon; the customer default; and the value of any existing collateral become worthless. Patriot applies its credit policies to entering commitments and conditional obligations and, as with its lending activates, evaluates each customer’s creditworthiness on a case-by-case basis. Management believes that it effectively mitigates the credit risk of these financial instruments through its credit approval processes, establishing credit limits, monitoring the on-going creditworthiness of recipients and grantees, and the receipt of collateral as deemed necessary. Financial instruments with credit risk at September 30, 2024 and December 31, 2023 are as follows: (In thousands) September 30, 2024 December 31, 2023 Commitments to extend credit: Unused lines of credit $ 70,762 $ 63,435 Undisbursed construction loans 861 2,607 Home equity lines of credit 24,997 26,488 $ 96,620 $ 92,530 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments to extend credit generally have fixed expiration dates or other termination clauses, and may require payment of a fee by the borrower. Since these commitments could expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, if deemed necessary upon extending credit, is based on management’s credit evaluation of the customer. Collateral held varies, but may include commercial property, residential property, deposits and securities. Patriot has established an allowance for credit loss of $177,000 and $271,000 as of September 30, 2024 and December 31, 2023, respectively, which is included in accrued expenses and other liabilities. Standby letters of credit are written commitments issued by Patriot to guarantee the performance of a customer to a third party. The credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loan facilities to customers. Guarantees that are not derivative contracts are recorded at fair value and included in the Consolidated Balance Sheet. As of September 30, 2024, the Bank has an irrevocable stand-by letter of credit for a maximum of $45 million, issued by the Federal Home Loan Bank of Boston on behalf of the Bank, with Mastercard as the beneficiary, which expires on April 30, 2025.

Regulatory and Operational Matt

Regulatory and Operational Matters	9 Months Ended
	Sep. 30, 2024
Regulatory Capital Requirements under Banking Regulations [Abstract]
Regulatory and Operational Matters	Regulatory and Operational Matters Federal and state regulatory authorities have adopted standards requiring financial institutions to maintain increased levels of capital. Effective January 1, 2015, federal banking agencies imposed four minimum capital requirements on a community bank’s risk-based capital ratios consisting of Total Capital, Tier 1 Capital, Common Equity Tier 1 (“CET1”) Capital, and a Tier 1 Leverage Capital ratio. The risk-based capital ratios measure the adequacy of a bank's capital against the riskiness of its on- and off-balance sheet assets and activities. Failure to maintain adequate capital is a basis for "prompt corrective action" or other regulatory enforcement action. In assessing a bank's capital adequacy, regulators also consider other factors such as interest rate risk exposure, liquidity, funding and market risks, quality and level of earnings, concentrations of credit, quality of loans and investments, nontraditional activity risk, policy effectiveness, and management's overall ability to monitor and control risk. In September 2019, the community bank leverage ratio (“CBLR”) framework was jointly issued by the Federal Deposit Insurance Corporation ("FDIC"), the Office of the Comptroller of the Currency (“OCC”) and FRB. The final rule gives qualifying community banks the option to use a simplified measure of capital adequacy instead of risk based capital, beginning with their March 31, 2020 Call Report. Under the final rule a community bank may qualify for the CBLR framework if it has a Tier 1 leverage ratio of greater than 9%, less than $10 billion in total consolidated assets, and limited amounts of off-balance sheet exposures and trading assets and liabilities. The CARES Act directed the federal banking agencies to issue an interim rule temporarily lowering the CBLR ratio to 8% which the agencies did with a transition back to 9% beginning January 1, 2022. Capital adequacy is one of the most important factors used to determine the safety and soundness of individual banks and the banking system. A community bank which meets the leverage ratio requirement and other CBLR framework requirements will not be subject to other capital and leverage requirements and will be considered "well capitalized." From September 2021 to September 30, 2023, the Company elected to adopt the CBLR framework. In the fourth quarter of 2023, the Company elected to use the instituted regulatory risk-based capital approach. Under the instituted regulatory framework, to be considered “well capitalized”, a financial institution must generally have a Total Capital ratio of at least 10%, a Tier 1 Capital ratio of at least 8.0%, a CET1 Capital ratio at least 6.5%, and a Tier 1 Leverage Capital ratio of at least 5%. However, regardless of a financial institution’s ratios, the OCC may require increased capital ratios or impose dividend restrictions based on the other factors it considers in assessing a bank’s capital adequacy. Under the final capital rules that became effective on January 1, 2015, there was a requirement for a CET1 capital conservation buffer of 2.5% of risk-weighted assets, which is in addition to the other minimum risk-based capital standards in the rule. Institutions that do not maintain this required capital buffer become subject to progressively more stringent limitations on the percentage of earnings that may be distributed to shareholders or used for stock repurchases and on the payment of discretionary bonuses to senior executive management. The capital conversation buffer of 2.5% has been included in the minimum capital adequacy ratios as of September 30, 2024. The Company and Bank’s regulatory capital amounts and ratios at September 30, 2024 and December 31, 2023 are summarized as follows: September 30, 2024 December 31, 2023 Patriot National Bancorp, Inc. Patriot Bank, N.A. Patriot National Bancorp, Inc. Patriot Bank, N.A. (Dollar amounts in thousands) Amount Ratio Amount Ratio Amount Ratio Amount Ratio Total Capital (to risk weighted assets): Actual $ 61,681 7.82 % $ 73,206 9.29 % $ 89,727 10.00 % $ 100,683 11.22 % To be Well Capitalized (1) — — 78,837 10.00 % — — 89,732 10.00 % For capital adequacy with Capital Buffer (2) — — 82,779 10.50 % — — 94,218 10.50 % For capital adequacy 63,090 8.00 % 63,070 8.00 % 71,788 8.00 % 71,785 8.00 % Tier 1 Capital (to risk weighted assets): Actual 43,018 5.45 % 64,543 8.19 % 73,282 8.17 % 94,238 10.50 % To be Well Capitalized (1) — — 63,070 8.00 % — — 71,785 8.00 % For capital adequacy with Capital Buffer (2) — — 67,012 8.50 % — — 76,272 8.50 % For capital adequacy 47,317 6.00 % 47,302 6.00 % 53,841 6.00 % 53,839 6.00 % Common Equity Tier 1 Capital Actual 35,018 4.44 % 64,543 8.19 % 65,282 7.27 % 94,238 10.50 % To be Well Capitalized (1) — — 51,244 6.50 % — — 58,325 6.50 % For capital adequacy with Capital Buffer (2) — — 55,186 7.00 % — — 62,812 7.00 % For capital adequacy 35,488 4.50 % 35,477 4.50 % 40,381 4.50 % 40,379 4.50 % Tier 1 Leverage Capital (to average assets): Actual 43,018 4.35 % 64,543 6.53 % 73,282 6.76 % 94,238 8.70 % To be Well Capitalized (1) — — 49,383 5.00 % — — 54,170 5.00 % For capital adequacy 39,516 4.00 % 39,506 4.00 % 43,339 4.00 % 43,336 4.00 % (1) Designation as "Well Capitalized" does not apply to bank holding companies - the Company. Such categorization of capital adequacy only applies to insured depository institutions - the Bank. (2) The Capital Conservation Buffer implemented by the FDIC began to be phased in beginning January 1, 2016. It was not applicable to periods prior to that date and does not apply to bank holding companies - the Company. On April 17, 2024, based on its supervisory profile, the Bank was notified by the OCC that it established individual minimum capital ratios (IMCR) for the Bank. Specifically, the Bank is required to maintain the following ratios: a common equity tier 1 capital ratio of 10.00%, a Tier 1 capital ratio of 10.00%, a Tier 1 leverage ratio of 9.00% and a total risk-based capital to risk-weighted assets of 11.50%. As of September 30, 2024, the Bank did not meet all of its regulatory capital requirements. The common equity tier 1 capital was $64.5 million, or 8.19% of risk-weighted assets, below the required level of 10.00%. The Tier 1 capital was $64.5 million, or 8.19% of risk-weighted assets, also below the required level of 10.00%. The Tier 1 leverage capital was $64.5 million, or 6.53% of average assets, falling short of the required 9.00%. The total risk-based capital was $73.2 million, or 9.29% of risk-weighted assets, below the required 11.50%. During 2024, the Bank significantly reduced its total and risk-based assets to work towards achieving the IMCR targets. This trend will continue into the remainder of 2024 with a goal of achieving the IMCR targets.

Fair Value and Interest Rate Ri

Fair Value and Interest Rate Risk	9 Months Ended
	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Fair Value and Interest Rate Risk	Fair Value and Interest Rate Risk Patriot measures the carrying value of certain financial assets and liabilities at fair value, as required by its policies as a financial institution and by US GAAP. The carrying values of certain assets and liabilities are measured at fair value on a recurring basis, such as available-for-sale securities; while other assets and liabilities are measured at fair value on a non-recurring basis due to external factors requiring management’s judgment to estimate potential losses of value resulting in asset impairments or the establishment of valuation reserves. Measuring assets and liabilities at fair value may result in fluctuations to carrying value that have a significant impact on the results of operations or other comprehensive income for the period and period over period. Following is a detailed summary of the guidance provided by US GAAP regarding the application of fair value measurements and Patriot’s application thereof. Additionally, the following information includes detailed summaries of the effects fair value measurements have on the carrying amounts of asset and liabilities presented in the Consolidated Financial Statements. The objective of fair value measurement is to value an asset that may be sold or a liability that may be transferred at the estimated value which might be obtained in a transaction between unrelated parties under current market conditions. US GAAP establishes a framework for measuring assets and liabilities at fair value, as well as certain financial instruments classified in equity. The framework provides a fair value hierarchy, which prioritizes quoted prices in active markets for identical assets and liabilities and minimizes unobservable inputs, which are inputs for which market data are not available and that are developed by management using the best information available to develop assumptions about the value market participants might place on the asset to be sold or liability to be transferred. The three levels of the fair value hierarchy consist of: Level 1 - Unadjusted quoted market prices for identical assets or liabilities in active markets that the entity has the ability to access at the measurement date (such as active exchange-traded equity securities and certain U.S. and government agency debt securities). Level 2 - Observable inputs other than quoted prices included in Level 1, such as: – Quoted prices for similar assets or liabilities in active markets (such as U.S. agency and government sponsored mortgage-backed securities) – Quoted prices for identical or similar assets or liabilities in less active markets (such as certain U.S. and government agency debt securities, and corporate and municipal debt securities that trade infrequently) – Other inputs that are observable for substantially the full term of the asset or liability (i.e. interest rates, yield curves, prepayment speeds, default rates, etc.). Level 3 - Valuation techniques that require unobservable inputs that are supported by little or no market activity and are significant to the fair value measurement of the asset or liability (such as pricing and discounted cash flow models that typically reflect management’s estimates of the assumptions a market participant would use in pricing the asset or liability). A description of the valuation methodologies used for assets and liabilities recorded at fair value, and for estimating fair value for financial and non-financial instruments not recorded at fair value, is set forth below. Cash and due from banks, restricted cash, and accrued interest receivable and payable The carrying amount is a reasonable estimate of fair value and accordingly these are classified as Level 1. These financial instruments are not recorded at fair value on a recurring basis. Available-for-sale securities The fair value of securities available for sale (carried at fair value) are determined by obtaining quoted market prices on nationally recognized securities exchanges (Level 1), or matrix pricing (Level 2), which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities, but rather by relying on the securities' relationship to other benchmark quoted prices, or using unobservable inputs employing various techniques and assumptions (Level 3). Other Investments The Bank’s investment portfolio includes the Solomon Hess SBA Loan Fund, which is utilized by the Bank to satisfy its Community Reinvestment Act (“CRA”) lending requirements. As this fund operates as a private fund, shares in the fund are not publicly traded but may be redeemed with 60 days’ notice at cost. For that reason, the carrying amount was considered comparable to fair value at both September 30, 2024 and December 31, 2023 due to its short-term nature. Federal Reserve Bank Stock and Federal Home Loan Bank Stock Shares in the FRB and FHLB are purchased and redeemed based upon their $100 par value. The stocks are non-marketable equity securities, and as such, are considered restricted securities that are carried at cost. Loans The fair value of loan portfolio is estimated by discounting the future cash flows using the rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. We estimate the fair value of our loan portfolio using an exit price notion resulting in prior periods no longer being comparable. The exit price notion requires determination of the price at which willing market participants would transact at the measurement date under current market conditions depending on facts and circumstances, such as origination rates, credit risk, transaction costs, liquidity, national and regional market trends and other adjustments, utilizing publicly available rates and indices. The application of an exit price notion requires the use of significant judgment. Loans Held for Sale The fair value of loans held for sale is estimated by using a market approach that includes prices for loans sold awaiting settlement and other observable inputs. The Company has determined that the inputs used to value the loans held for sale fall within Level 2 of the fair value hierarchy. SBA Servicing Asset Servicing assets do not trade in an active, open market with readily observable prices. The Company estimates the fair value of servicing assets using discounted cash flow models incorporating numerous assumptions from the perspective of a market participant including market discount rates and prepayment speeds. Due to the significant unobservable input related to the servicing rights, the SBA servicing asset is classified within Level 3 of the valuation hierarchy. Other Real Estate Owned The fair value of OREO the Bank may obtain is based on current appraised property value less estimated costs to sell. When fair value is based on unadjusted current appraised value, OREO is classified within Level 2 of the fair value hierarchy. Patriot classifies OREO within Level 3 of the fair value hierarchy when unobservable inputs are used to determine adjustments to appraised values. Patriot does not record OREO at fair value on a recurring basis, but rather initially records OREO at fair value on a non-recurring basis and then monitors property and market conditions that may indicate a change in value is warranted. Derivative asset (liability) - Interest Rate Swaps The Company’s derivative assets and liabilities consist of transactions as part of management’s strategy to manage interest rate risk. The valuation of interest rate swap agreements does not contain any counterparty risk. The valuation of the Company’s interest rate swaps is obtained from a third-party pricing service and is determined using a discounted cash flow analysis on the expected cash flows of each derivative. The pricing analysis is based on observable inputs for the contractual terms of the derivatives, including the period to maturity and interest rate curves. The Company has determined that the inputs used to value its interest rate derivatives fall within Level 2 of the fair value hierarchy. See Note 8 for additional disclosures on derivatives. Deposits The fair value of demand deposits, regular savings and certain money market deposits is the amount payable on demand at the reporting date. The fair value of certificates of deposit and other time deposits is estimated using a discounted cash flow calculation that applies interest rates currently being offered for deposits of similar remaining maturities, estimated using local market data, to a schedule of aggregated expected maturities on such deposits. Patriot does not record deposits at fair value on a recurring basis. Senior Notes, Subordinated Notes, and Junior Subordinated Debt and Note Payable Patriot does not record senior notes at fair value on a recurring basis. The fair value of the senior notes was estimated by discounting future cash flows at rates at which similar notes would be made. The carrying value is considered comparable to fair value. Patriot does not record subordinated notes at fair value on a recurring basis. The fair value of the subordinated notes was estimated by discounting future cash flows at rates at which similar notes would be made. The carrying value is considered comparable to fair value. Patriot does not record junior subordinated debt at fair value on a recurring basis. Junior subordinated debt reprices quarterly, as a result, the carrying amount is considered a reasonable estimate of fair value. The Company considers its own credit worthiness in determining the fair value of its senior notes, subordinated notes, notes payable and junior subordinated debt. Federal Home Loan Bank Borrowings The fair value of FHLB advances is estimated using a discounted cash flow calculation that applies current FHLB interest rates for advances of similar maturity to a schedule of maturities of such advances. Patriot does not record FHLB advances at fair value on a recurring basis. Off-balance sheet financial instruments Off-balance sheet financial instruments are based on interest rate changes and fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing. Patriot does not record the off-balance-sheet financial instruments (i.e., commitments to extend credit) at fair value on a recurring basis. The following table provides a comparison of the carrying amounts and estimated fair values of Patriot’s financial assets and liabilities as of September 30, 2024 and December 31, 2023: (In thousands) September 30, 2024 December 31, 2023 Fair Value Carrying Estimated Carrying Estimated Financial Assets: Cash and noninterest bearing balances due from banks Level 1 $ 2,718 $ 2,718 $ 2,195 $ 2,195 Interest-bearing deposits due from banks Level 1 70,013 70,013 50,322 50,322 Restricted cash Level 1 41 41 14,019 14,019 Available-for-sale securities Level 2 78,437 78,437 78,925 78,925 Available-for-sale securities Level 3 11,141 11,141 10,262 10,262 Other investments Level 2 4,450 4,450 4,450 4,450 Federal Reserve Bank stock Level 2 2,109 2,109 2,090 2,090 Federal Home Loan Bank stock Level 2 3,473 3,473 4,202 4,202 Loans receivable, net Level 3 740,687 719,395 832,934 812,856 Loans held for sale Level 2 13,658 13,658 20,767 21,557 SBA servicing assets Level 3 791 848 857 932 Other real estate owned Level 2 2,843 2,843 2,843 2,843 Accrued interest receivable Level 2 5,932 5,932 7,219 7,219 Interest rate swap receivable Level 2 50 50 74 74 Financial assets, total $ 936,343 $ 915,108 $ 1,031,159 $ 1,011,946 Financial Liabilities: Demand deposits Level 2 $ 91,583 $ 91,583 $ 110,056 $ 110,056 Negotiable order of withdrawal accounts Level 2 27,984 27,984 33,035 33,035 Savings deposits Level 2 38,824 38,824 44,104 44,104 Interest bearing DDA Level 2 183,132 183,132 171,577 171,577 Money market deposits Level 2 178,479 178,479 200,280 200,280 Time deposits Level 2 232,810 232,294 240,733 239,655 Brokered deposits Level 1 72,077 70,995 40,526 40,453 FHLB, FRB and correspondent bank borrowings Level 2 93,800 93,800 171,000 170,171 Senior notes Level 2 11,827 11,669 11,723 11,397 Subordinated debt Level 2 9,891 9,888 9,869 10,102 Junior subordinated debt owed to unconsolidated trust Level 2 8,144 8,144 8,137 8,137 Note payable Level 3 216 210 376 362 Accrued interest payable Level 2 525 525 1,235 1,235 Interest rate swap liability Level 2 50 50 74 74 Financial liabilities, total $ 949,342 $ 947,577 $ 1,042,725 $ 1,040,638 The carrying amount of cash and noninterest bearing balances due from banks, restricted cash, interest-bearing deposits due from banks, and demand deposits approximates fair value, due to the short-term nature and high turnover of these balances. These amounts are included in the table above for informational purposes. In the normal course of its operations, Patriot assumes interest rate risk (i.e., the risk that general interest rate levels will fluctuate). As a result, the fair value of Patriot’s financial assets and liabilities are affected when interest market rates change, which change may be either favorable or unfavorable. Management attempts to mitigate interest rate risk by matching the maturities of its financial assets and liabilities. However, borrowers with fixed rate obligations are less likely to prepay their obligations in a rising interest rate environment and more likely to prepay their obligations in a falling interest rate environment. Conversely, depositors receiving fixed rates are more likely to withdraw funds before maturity in a rising interest rate environment and less likely to do so in a falling interest rate environment. Management monitors market rates of interest and the maturities of its financial assets and financial liabilities, adjusting the terms of new loans and deposits in an attempt to minimize interest rate risk. Additionally, management mitigates its overall interest rate risk through its available funds investment strategy. The following tables detail the financial assets measured at fair value on a recurring basis and the valuation techniques utilized relative to the fair value hierarchy, as of September 30, 2024 and December 31, 2023: (In thousands) Quoted Prices in Significant Significant Total September 30, 2024: U. S. Government agency and mortgage-backed securities $ — $ 66,289 $ — $ 66,289 Corporate bonds — 3,564 11,141 14,705 Subordinated notes — 4,399 — 4,399 SBA loan pools — 3,698 — 3,698 Municipal bonds — 487 — 487 Available-for-sale securities $ — $ 78,437 $ 11,141 $ 89,578 Interest rate swap receivable $ — $ 50 $ — $ 50 Interest rate swap liability $ — $ 50 $ — $ 50 December 31, 2023: U. S. Government agency and mortgage-backed securities $ — $ 65,671 $ — $ 65,671 Corporate bonds — 3,504 10,262 13,766 Subordinated notes — 4,227 — 4,227 SBA loan pools — 5,037 — 5,037 Municipal bonds — 486 — 486 Available-for-sale securities $ — $ 78,925 $ 10,262 $ 89,187 Interest rate swap receivable $ — $ 74 $ — $ 74 Interest rate swap liability $ — $ 74 $ — $ 74 Patriot measures certain financial assets and financial liabilities at fair value on a non-recurring basis. When circumstances dictate (e.g., impairment of long-lived assets, other than temporary impairment of collateral value), the carrying values of such financial assets and financial liabilities are adjusted to fair value or fair value less costs to sell, as may be appropriate. As of September 30, 2024 and December 31, 2023, four corporate bonds were classified as Level 3 instruments. The fair values of these securities were determined using a present value approach. The discount rate assumed was determined based on unobservable inputs in a pricing model. During the three and nine months ended September 30, 2024 and 2023, the Company had no transfers into or out of Levels 1, 2 or 3. The reconciliation of the beginning and ending balances during the three and nine months ended September 30, 2024 and 2023 for Level 3 available-for-sale securities is as follows: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2024 2023 2024 2023 Level 3 fair value, beginning of period $ 10,365 $ 9,882 $ 10,262 $ 9,427 Purchases — — — — Realized gain (loss) — — — — Unrealized (loss) gain 776 (11) 879 444 Transfers in and /or out of Level 3 — — — — Level 3 fair value, end of period $ 11,141 $ 9,871 $ 11,141 $ 9,871 The table below presents the valuation methodology and unobservable inputs for level 3 assets measured at fair value on a non-recurring basis as of September 30, 2024 and December 31, 2023: (In thousands) Fair Value Valuation Unobservable Inputs Range of Inputs September 30, 2024: Individually evaluated loans, net $ 27,979 Real Estate Appraisals Discount for appraisal type 5.8 % - 20% SBA servicing assets 848 Discounted Cash Flows Market discount rates 14.73 % - 14.90% December 31, 2023: Individually evaluated loans, net $ 12,928 Real Estate Appraisals Discount for appraisal type 5.8 % - 20% SBA servicing assets 932 Discounted Cash Flows Market discount rates 14.73 % - 14.90% Patriot discloses fair value information about financial instruments, whether or not recognized in the consolidated balance sheet, for which it is practicable to estimate that value. Certain financial instruments are excluded from disclosure requirements and, accordingly, the aggregate fair value amounts presented do not necessarily represent the complete underlying value of financial instruments included in the consolidated financial statements. The estimated fair value amounts have been measured as of September 30, 2024 and December 31, 2023, 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 the financial instruments measured may be different than if they had been subsequently valued. The information presented should not be interpreted as an estimate of the total fair value of Patriot’s assets and liabilities, since only a portion of Patriot’s assets and liabilities are required to be measured at fair value for financial reporting purposes. Due to the wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between Patriot’s fair value disclosures and those of other bank holding companies may not be meaningful.

Subsequent Events

Subsequent Events	9 Months Ended
	Sep. 30, 2024
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events The Company has evaluated all events or transactions that occurred through the date the Company issued these financial statements. During this period, the Company did not have any material recognizable or non-recognizable subsequent events.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies and Transactions (Policies)	9 Months Ended
	Sep. 30, 2024
Accounting Policies [Abstract]
Income taxes	Patriot recognizes income taxes under the asset and liability method. Under this method, deferred tax assets and liabilities are recognized for the estimated tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases, and loss carry forwards. Deferred tax assets (“DTA”s) and liabilities (“DTL”s) are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on DTAs and DTLs of a change in tax rates is recognized in income in the period that includes the enactment date. In certain circumstances DTAs are subject to reduction by a valuation allowance. A valuation allowance is subject to ongoing adjustment based on changes in circumstances that affect management’s judgment about the realizability of the deferred tax asset. Adjustments to increase or decrease the valuation allowance are charged or credited to the deferred tax component of the income tax provision or benefit. The Company recognize deferred tax assets to the extent we believe it is more likely than not the asset will be realized. Quarterly, management assesses the available positive and negative evidence to estimate whether sufficient future taxable income will be generated to permit the use of existing deferred tax assets, including future reversals of existing taxable temporary differences, projected taxable income, tax-planning strategies, carryback potential if permitted, and the results of recent operations. A significant piece of objective negative evidence is the existence of a three or four year cumulative loss. Such objective negative evidence limits the ability of management to consider other subjective evidence, such as projected taxable income. When appropriate, the Company records a valuation allowance to reduce deferred tax assets to the amount that is more likely than not to be realized. Based on our assessment performed as of September 30, 2024, we determined that a full valuation allowance was appropriate against the Company’s U.S. federal and state deferred tax assets. This resulted in an increase in income tax expense of approximately $25.1 million for the three- and nine-month periods ended September 30, 2024. Currently, the key factor on the Company’s assumption of providing 100% valuation allowance was purely based on our 3-year cumulative operating losses. Once we begin generating profits, we will re-evaluate whether providing 100% valuation allowance is appropriate or if we can reassess that allowance.
Digital Payments Division	Non-interest income - Digital Payments Division The Digital Payments Division ("DPD") provides solutions to our customers in the form of acceptance, processing and settlement of prepaid, debit, and charge card payments and accounts. Each of our customers, called Program Managers (“PMs”), signs a services agreement with the Bank with customized terms and fees. The typical fees include start-up fees and transaction fees, and the fees will vary by relationship. The start-up fees are to compensate the Bank for costs of due diligence on the PMs and the program, and to onboard the PMs and programs onto our infrastructure. The transaction fees are typically based on a charge per transaction settled, or a rate on the total dollar settlement volume in a month. The fees are billed after the activities occur and collected monthly. The Bank receives interchange revenue from the networks, both MasterCard and Visa. The interchange revenue is a unique amount per transaction that settles to the Bank through their networks on a daily basis. As a part of the Program Manager services agreement, the Bank may share part or all of the interchange revenue with the PM. The interchange revenue is recognized as point in time transactions for the Bank and records a reduction of the revenue for any part of the interchange revenue that is shared with the PM. The networks, both MasterCard and Visa, charge fees to the merchant for utilization of the network, and the fees that are collected are paid to the Bank. The interchange rate may vary, as most transaction types have their own unique rate charged by the network at the time the purchase is completed.
Recently Issued Accounting Standards	Recently Issued Accounting Standards Recently issued Accounting Pronouncements not yet Adopted ASU 2023-06 In October 2023, the FASB issued ASU 2023-06, Disclosure Improvements: Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative. The amendments in this Update modify the disclosure or presentation requirements of a variety of Topics in the Codification. Certain of the amendments represent clarifications to or technical corrections of the current requirements. For entities subject to the SEC’s existing disclosure requirements and for entities required to file or furnish financial statements with or to the SEC in preparation for the sale of or for purposes of issuing securities that are not subject to contractual restrictions on transfer, the effective date for each amendment will be the date on which the SEC’s removal of that related disclosure from Regulation S-X or Regulation S-K becomes effective, with early adoption prohibited. For all other entities, the amendments will be effective two years later. The amendments in this Update should be applied prospectively. For all entities, if by June 30, 2027, the SEC has not removed the applicable requirement from Regulation S-X or Regulation S-K, the pending content of the related amendment will be removed from the Codification and will not become effective for any entity. The adoption of ASU 2023-06 is not expected to have an impact on the Company’s financial condition or results of operations but could change certain disclosures. The Company will continue to monitor for SEC action, and plan accordingly for adoption. ASU 2023-07 In November, 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. The amendments are intended to improve reportable segment disclosure requirements, primarily through enhanced disclosures about significant segment expenses. Additionally, the amendments enhance interim disclosure requirements, clarify circumstances in which an entity can disclose multiple segment measures of profit or loss, provide new segment disclosure requirements for entities with a single reportable segment and define other disclosure requirements. A public entity must apply the amendments retrospectively to all prior periods presented in the financial statements. Upon transition, the segment expense categories and amounts disclosed in the prior periods should be based on the significant segment expense categories identified and disclosed in the period of adoption. This ASU is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. The adoption of this standard is not expected to have an impact on the Company’s financial condition or results of operations but could change certain disclosures. ASU 2023-09 In December 2023, the FASB issued ASU 2023‑09 Income Taxes (Topic 740): Improvements to Income Tax Disclosures, which requires more detailed disclosures of income taxes paid net of refunds received, income from continuing operations before income tax expense or benefit, and income tax expense from continuing operations. This standard is to be applied on a prospective basis, with retrospective application permitted, and will be effective for the Company for annual periods beginning on January 1, 2025. We do not expect adoption of this standard to have a material impact on the Company’s Consolidated Financial Statements but will likely result in additional disclosures.

Summary of Significant Accoun_3

Summary of Significant Accounting Policies and Transactions (Tables)	9 Months Ended
	Sep. 30, 2024
Accounting Policies [Abstract]
Schedule of Deferred Tax Assets and Liabilities	Patriot's deferred tax assets and liabilities as of September 30, 2024 and December 31, 2023 are presented below: (In thousands) September 30, 2024 December 31, 2023 Deferred tax assets and liabilities: Gross deferred tax assets $ 25,129 $ 25,622 Less deferred tax asset valuation allowance (25,129) — Total deferred tax assets — 25,622 Gross deferred tax liabilities (723) (1,488) Net deferred tax (liabilities) assets $ (723) $ 24,134

Available-for-Sale Securities (

Available-for-Sale Securities (Tables)	9 Months Ended
	Sep. 30, 2024
Investments [Abstract]
Schedule of Available-for-sale Securities	The amortized cost, gross unrealized gains, gross unrealized losses and fair values of available-for-sale securities at September 30, 2024 and December 31, 2023 are as follows: (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized (Losses) Fair Value September 30, 2024: U. S. Government agency and mortgage-backed securities $ 79,082 $ 33 $ (12,826) $ 66,289 Corporate bonds 17,995 — (3,290) 14,705 Subordinated notes 5,000 — (601) 4,399 SBA loan pools 4,561 — (863) 3,698 Municipal bonds 558 — (71) 487 Total available-for-sale securities $ 107,196 $ 33 $ (17,651) $ 89,578 December 31, 2023: U. S. Government agency and mortgage-backed securities $ 80,500 $ — $ (14,829) $ 65,671 Corporate bonds 17,995 — (4,229) 13,766 Subordinated notes 5,000 — (773) 4,227 SBA loan pools 6,002 — (965) 5,037 Municipal bonds 559 — (73) 486 Total available-for-sale securities $ 110,056 $ — $ (20,869) $ 89,187
Schedule of Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value	The following table presents the available-for-sale securities’ gross unrealized losses and fair value, aggregated by the length of time the individual securities have been in a continuous loss position as of September 30, 2024 and December 31, 2023: (In thousands) Less than 12 Months 12 Months or More Total Fair Value Unrealized (Loss) Fair Value Unrealized (Loss) Fair Value Unrealized (Loss) September 30, 2024: U. S. Government agency and mortgage-backed securities $ 2,237 $ (56) $ 61,966 $ (12,770) $ 64,203 $ (12,826) Corporate bonds — — 14,705 (3,290) 14,705 (3,290) Subordinated notes — — 4,399 (601) 4,399 (601) SBA loan pools — — 3,698 (863) 3,698 (863) Municipal bonds — — 487 (71) 487 (71) Total available-for-sale securities $ 2,237 $ (56) $ 85,255 $ (17,595) $ 87,492 $ (17,651) December 31, 2023: U. S. Government agency and mortgage-backed securities $ 9,984 $ (286) $ 55,687 $ (14,543) $ 65,671 $ (14,829) Corporate bonds — — 13,766 (4,229) 13,766 (4,229) Subordinated notes — — 4,227 (773) 4,227 (773) SBA loan pools — — 5,037 (965) 5,037 (965) Municipal bonds — — 486 (73) 486 (73) Total available-for-sale securities $ 9,984 $ (286) $ 79,203 $ (20,583) $ 89,187 $ (20,869)
Schedule of Investments Classified by Contractual Maturity Date	The following summarizes, by class and contractual maturity, the amortized cost and estimated fair value of available-for-sale debt securities held as of September 30, 2024 and December 31, 2023. The mortgages underlying the mortgage-backed securities are not due at a single maturity date. Additionally, these mortgages often are and generally may be pre-paid without penalty, creating a degree of uncertainty that such investments can be held until maturity. For convenience, mortgage-backed securities have been included in the summary as a separate line item. (In thousands) Amortized Cost Fair Value Due Due After Due Total Due Due After Due Total September 30, 2024: Corporate bonds $ 2,000 $ 15,995 $ — $ 17,995 $ 1,953 $ 12,752 $ — $ 14,705 Subordinated notes 3,000 2,000 — 5,000 2,580 1,819 — 4,399 SBA loan pools — — 4,561 4,561 — — 3,698 3,698 Municipal bonds 153 405 — 558 142 345 — 487 Available-for-sale securities with stated maturity dates 5,153 18,400 4,561 28,114 4,675 14,916 3,698 23,289 U. S. Government agency and mortgage-backed securities — 5,178 73,904 79,082 — 4,320 61,969 66,289 Total available-for-sale securities $ 5,153 $ 23,578 $ 78,465 $ 107,196 $ 4,675 $ 19,236 $ 65,667 $ 89,578 December 31, 2023: Corporate bonds $ 2,000 $ 15,995 $ — $ 17,995 $ 1,947 $ 11,819 $ — $ 13,766 Subordinated notes 3,000 2,000 — 5,000 2,527 1,700 — 4,227 SBA loan pools — 1,096 4,906 6,002 — 1,084 3,953 5,037 Municipal bonds 153 406 — 559 140 346 — 486 Available-for-sale securities with stated maturity dates 5,153 19,497 4,906 29,556 4,614 14,949 3,953 23,516 U. S. Government agency and mortgage-backed securities — 5,222 75,278 80,500 — 4,237 61,434 65,671 Total available-for-sale securities $ 5,153 $ 24,719 $ 80,184 $ 110,056 $ 4,614 $ 19,186 $ 65,387 $ 89,187

Loans Receivable and Allowanc_2

Loans Receivable and Allowance for Credit Losses (Tables)	9 Months Ended
	Sep. 30, 2024
Credit Loss [Abstract]
Schedule of Loans Receivable	As of September 30, 2024 and December 31, 2023, loans receivable, net, consisted of the following: (In thousands) September 30, 2024 December 31, 2023 Loan portfolio segment: Commercial Real Estate $ 452,155 $ 472,093 Residential Real Estate 94,579 106,783 Commercial and Industrial 134,333 163,565 Consumer and Other 68,418 99,688 Construction 3,829 4,266 Construction to Permanent - CRE 2,357 2,464 Loans receivable, gross 755,671 848,859 Allowance for credit losses (14,984) (15,925) Loans receivable, net $ 740,687 $ 832,934
Schedule of Allowance for Credit Loss	The following tables summarize the activity in the allowance for credit losses, allocated to segments of the loan portfolio, for the three months ended September 30, 2024 and 2023: (In thousands) Commercial Residential Commercial Consumer Construction Construction to Total Three Months Ended September 30, 2024 Allowance for credit losses: June 30, 2024 $ 7,958 $ 678 $ 1,215 $ 5,133 $ 5 $ — $ 14,989 Charge-offs (124) — (122) (1,266) — — (1,512) Recoveries — — 160 263 — — 423 Provisions (credits) 1,211 (70) (197) 143 (3) — 1,084 (1) September 30, 2024 $ 9,045 $ 608 $ 1,056 $ 4,273 $ 2 $ — $ 14,984 Three Months Ended September 30, 2023 Allowance for credit losses: June 30, 2023 $ 10,039 $ 1,027 $ 1,673 $ 11,275 $ 33 $ 51 $ 24,098 Charge-offs — (113) (423) (3,012) — — (3,548) Recoveries — 3 9 306 — — 318 Provisions (credits) 3,321 171 149 1,127 (31) 63 4,800 (2) September 30, 2023 $ 13,360 $ 1,088 $ 1,408 $ 9,696 $ 2 $ 114 $ 25,668 (1) The provision on credit losses included in the above table for the three months ended September 30, 2024 does not include the credit on unfunded loan commitments of $58,000. (2) The provision on credit losses included in the above table for the three months ended September 30, 2023 does not include the credit on unfunded loan commitments of $112,000. The following tables summarize the activity in the allowance for credit losses, allocated to segments of the loan portfolio, for the nine months ended September 30, 2024 and 2023: (In thousands) Commercial Residential Real Estate Commercial Consumer Construction Construction Unallocated Total Nine Months Ended September 30, 2024 Allowance for credit losses: December 31, 2023 $ 6,089 $ 607 $ 1,269 $ 7,843 $ 4 $ 113 $ — $ 15,925 Charge-offs (282) (21) (936) (5,638) — — — (6,877) Recoveries — — 238 828 — — — 1,066 Provisions (credits) 3,238 22 485 1,240 (2) (113) — 4,870 (3) September 30, 2024 $ 9,045 $ 608 $ 1,056 $ 4,273 $ 2 $ — $ — $ 14,984 Nine Months Ended September 30, 2023 Allowance for credit losses: December 31, 2022 $ 6,966 $ 665 $ 1,403 $ 1,207 $ 24 $ 10 $ 35 $ 10,310 Impact of ASC 326 Adoption 1,626 189 219 10,977 (4) 29 (35) 13,001 Charge-offs — (113) (429) (7,324) (150) — — (8,016) Recoveries — 14 25 739 — — — 778 Provisions (credits) 4,768 333 190 4,097 132 75 — 9,595 (4) September 30, 2023 $ 13,360 $ 1,088 $ 1,408 $ 9,696 $ 2 $ 114 $ — $ 25,668 (3) The provision on credit losses for the nine months ended September 30, 2024 does not include the credit on unfunded loan commitments of $94,000. (4) The provision on credit losses for the nine months ended September 30, 2023 does not include the credit on unfunded loan commitments of $1.4 million.
Schedule of Individually Evaluated for Impairment	The following tables summarize, by loan portfolio segment, the amount of loans receivable evaluated individually and collectively for allowance for credit losses as of September 30, 2024: (In thousands) Commercial Residential Commercial Consumer Construction Construction to Total September 30, 2024 Allowance for credit losses: Individually evaluated loans $ 7,010 $ — $ — $ — $ — $ — $ 7,010 Collectively evaluated loans 2,035 608 1,056 4,273 2 — 7,974 Total allowance for credit losses $ 9,045 $ 608 $ 1,056 $ 4,273 $ 2 $ — $ 14,984 Loans receivable, gross: Individually evaluated loans $ 28,254 $ — $ 4,378 $ — $ — $ 2,357 $ 34,989 Collectively evaluated loans 423,901 94,579 129,955 68,418 3,829 — 720,682 Total loans receivable, gross $ 452,155 $ 94,579 $ 134,333 $ 68,418 $ 3,829 $ 2,357 $ 755,671 The following tables summarize, by loan portfolio, the amount of loans receivable evaluated individually and collectively for allowance for credit losses as of December 31, 2023: (In thousands) Commercial Residential Commercial Consumer Construction Construction to Total December 31, 2023 Allowance for credit losses: Individually evaluated loans $ 3,813 $ — $ 392 $ — $ — $ — $ 4,205 Collectively evaluated loans 2,276 607 877 7,843 4 113 11,720 Total allowance for credit losses $ 6,089 $ 607 $ 1,269 $ 7,843 $ 4 $ 113 $ 15,925 Loans receivable, gross: Individually evaluated loans $ 12,775 $ — $ 3,904 $ — $ 454 $ — $ 17,133 Collectively evaluated loans 459,318 106,783 159,661 99,688 3,812 2,464 831,726 Total loans receivable, gross $ 472,093 $ 106,783 $ 163,565 $ 99,688 $ 4,266 $ 2,464 $ 848,859
Schedule of Financing Receivable Credit Quality Indicators	The following tables summarize loan amortized cost by vintage, credit quality indicator, class of loans and charge-offs based on year of origination as of September 30, 2024: Term of Loans by Origination As of September 30, 2024: 2024 2023 2022 2021 2020 Prior Revolving Total Loans Loan portfolio segment: Commercial Real Estate: Pass $ — $ 106,912 $ 130,761 $ 89,463 $ 3,331 $ 74,427 $ — $ 404,894 Special mention — — 12,693 899 — 436 — 14,028 Substandard — 867 3,974 17,252 233 10,907 — 33,233 Total — 107,779 147,428 107,614 3,564 85,770 — 452,155 Current period gross charge-offs — — — — — 282 — 282 Residential Real Estate: Pass 373 — 1,227 2,831 9,633 77,192 741 91,997 Special mention — — — — 1,053 1,398 — 2,451 Substandard — — — — — 131 — 131 Total 373 — 1,227 2,831 10,686 78,721 741 94,579 Current period gross charge-offs — — — — — 21 — 21 Commercial and Industrial: Pass 872 2,785 14,230 20,564 1,003 6,337 78,612 124,403 Special mention — 5 19 40 — 887 750 1,701 Substandard — 263 505 843 5,706 808 104 8,229 Total 872 3,053 14,754 21,447 6,709 8,032 79,466 134,333 Current period gross charge-offs — — — — — 936 — 936 Consumer and Other: Pass 282 3,247 20,085 2,346 — 16,517 24,545 67,022 Substandard — 59 459 19 — 424 435 1,396 Total 282 3,306 20,544 2,365 — 16,941 24,980 68,418 Current period gross charge-offs — 253 4,900 485 — — — 5,638 Construction: Pass — — — 3,829 — — — 3,829 Total — — — 3,829 — — — 3,829 Construction to Permanent - CRE: Substandard — — — 2,357 — — — 2,357 Total — — — 2,357 — — — 2,357 Total loans $ 1,527 $ 114,138 $ 183,953 $ 140,443 $ 20,959 $ 189,464 $ 105,187 $ 755,671 Total Current period gross charge-offs $ — $ 253 $ 4,900 $ 485 $ — $ 1,239 $ — $ 6,877 Loans receivable, gross: Pass $ 1,527 $ 112,944 $ 166,303 $ 119,033 $ 13,967 $ 174,473 $ 103,898 $ 692,145 Special mention — 5 12,712 939 1,053 2,721 750 18,180 Substandard — 1,189 4,938 20,471 5,939 12,270 539 45,346 Total Loans receivable, gross $ 1,527 $ 114,138 $ 183,953 $ 140,443 $ 20,959 $ 189,464 $ 105,187 $ 755,671 Current period gross charge-offs $ — $ 253 $ 4,900 $ 485 $ — $ 1,239 $ — $ 6,877 The following tables summarize loan amortized cost by vintage, credit quality indicator, class of loans and charge-offs based on year of origination as of December 31, 2023: Term of Loans by Origination As of December 31, 2023: 2023 2022 2021 2020 2019 Prior Revolving Total Loans Loan portfolio segment: Commercial Real Estate: Pass $ 104,683 $ 138,091 $ 111,308 $ 3,401 $ 31,832 $ 63,526 $ — $ 452,841 Special mention — 6,482 — — — — — 6,482 Substandard — 1,799 — 280 10,000 691 — 12,770 Total 104,683 146,372 111,308 3,681 41,832 64,217 — 472,093 Current period gross charge-offs — — — — 6,341 5 — 6,346 Residential Real Estate: Pass — 1,251 2,975 11,577 15,770 74,596 614 106,783 Total — 1,251 2,975 11,577 15,770 74,596 614 106,783 Current period gross charge-offs — — — — — 515 — 515 Commercial and Industrial: Pass 2,696 13,916 23,099 8,004 9,578 7,024 96,431 160,748 Special mention 6 348 — — 37 11 104 506 Substandard 16 — 801 — 401 1,093 — 2,311 Total 2,718 14,264 23,900 8,004 10,016 8,128 96,535 163,565 Current period gross charge-offs — 182 85 — 516 144 — 927 Consumer and Other: Pass 6,470 36,668 4,724 — 5,590 14,314 30,945 98,711 Substandard 197 645 61 — — — 74 977 Total 6,667 37,313 4,785 — 5,590 14,314 31,019 99,688 Current period gross charge-offs 114 9,013 1,280 — 6 66 — 10,479 Construction: Pass — — 3,812 — — — — 3,812 Substandard — — — — 454 — — 454 Total — — 3,812 — 454 — — 4,266 Current period gross charge-offs — — 150 — — — — 150 Construction to Permanent - CRE: Special mention — — 2,464 — — — — 2,464 Total — — 2,464 — — — — 2,464 Total loans $ 114,068 $ 199,200 $ 149,244 $ 23,262 $ 73,662 $ 161,255 $ 128,168 $ 848,859 Total Current period gross charge-offs $ 114 $ 9,195 $ 1,515 $ — $ 6,863 $ 730 $ — $ 18,417 Loans receivable, gross: Pass $ 113,849 $ 189,926 $ 145,918 $ 22,982 $ 62,770 $ 159,460 $ 127,990 $ 822,895 Special mention 6 6,830 2,464 — 37 11 104 9,452 Substandard 213 2,444 862 280 10,855 1,784 74 16,512 Loans receivable, gross $ 114,068 $ 199,200 $ 149,244 $ 23,262 $ 73,662 $ 161,255 $ 128,168 $ 848,859 Total Current period gross charge-offs $ 114 $ 9,195 $ 1,515 $ — $ 6,863 $ 730 $ — $ 18,417
Schedule of Financing Receivable, Past Due	The following tables summarize performing and non-performing (i.e., non-accruing) loans receivable by portfolio segment, by aging category, by delinquency status as of September 30, 2024: (In thousands) Performing (Accruing) Loans As of September 30, 2024: 30 - 59 Days Past Due 60 - 89 Days Past Due 90 Days or Greater Past Due Total Past Due Current Total Performing Loans Non- accruing Loans Loans Receivable Gross Loan portfolio segment: Commercial Real Estate: Pass $ 185 $ — $ — $ 185 $ 401,524 $ 401,709 $ 3,185 $ 404,894 Special mention 770 — — 770 13,258 14,028 — 14,028 Substandard 306 — 3,979 4,285 3,878 8,163 25,070 33,233 1,261 — 3,979 5,240 418,660 423,900 28,255 452,155 Residential Real Estate: Pass — — — — 91,997 91,997 — 91,997 Special mention — — — — 2,451 2,451 — 2,451 Substandard — — — — — — 131 131 — — — — 94,448 94,448 131 94,579 Commercial and Industrial: Pass — 1,111 — 1,111 120,184 121,295 3,108 124,403 Special mention 19 — — 19 1,682 1,701 — 1,701 Substandard 604 350 — 954 5,986 6,940 1,289 8,229 623 1,461 — 2,084 127,852 129,936 4,397 134,333 Consumer and Other: Pass 810 508 — 1,318 65,704 67,022 — 67,022 Substandard — — — — — — 1,396 1,396 810 508 — 1,318 65,704 67,022 1,396 68,418 Construction: Pass — — — — 3,829 3,829 — 3,829 — — — — 3,829 3,829 — 3,829 Construction to Permanent - CRE: Substandard — — — — — — 2,357 2,357 — — — — — — 2,357 2,357 Total $ 2,694 $ 1,969 $ 3,979 $ 8,642 $ 710,493 $ 719,135 $ 36,536 $ 755,671 Loans receivable, gross: Pass $ 995 $ 1,619 $ — $ 2,614 $ 683,238 $ 685,852 $ 6,293 $ 692,145 Special mention 789 — — 789 17,391 18,180 — 18,180 Substandard 910 350 3,979 5,239 9,864 15,103 30,243 45,346 Loans receivable, gross $ 2,694 $ 1,969 $ 3,979 $ 8,642 $ 710,493 $ 719,135 $ 36,536 $ 755,671 The following tables summarize performing and non-performing loans (i.e., non-accruing) receivable by portfolio segment, by aging category, by delinquency status as of December 31, 2023: (In thousands) Performing (Accruing) Loans As of December 31, 2023: 30 - 59 Days Past Due 60 - 89 Days Past Due 90 Days or Greater Past Due Total Past Due Current Total Performing Loans Non- accruing Loans Loans Receivable Gross Loan portfolio segment: Commercial Real Estate: Pass $ 2,274 $ 231 $ — $ 2,505 $ 448,707 $ 451,212 $ 1,629 $ 452,841 Special mention — — — — 6,482 6,482 — 6,482 Substandard — — — — 1,624 1,624 11,146 12,770 2,274 231 — 2,505 456,813 459,318 12,775 472,093 Residential Real Estate: Pass 1,439 — — 1,439 105,344 106,783 — 106,783 1,439 — — 1,439 105,344 106,783 — 106,783 Commercial and Industrial: Pass 420 10 — 430 157,335 157,765 2,983 160,748 Special mention — 348 — 348 158 506 — 506 Substandard 526 — — 526 847 1,373 938 2,311 946 358 — 1,304 158,340 159,644 3,921 163,565 Consumer and Other: Pass 1,327 1,015 341 2,683 96,028 98,711 — 98,711 Substandard — — — — — — 977 977 1,327 1,015 341 2,683 96,028 98,711 977 99,688 Construction: Pass — — — — 3,812 3,812 — 3,812 Substandard — — — — — — 454 454 — — — — 3,812 3,812 454 4,266 Construction to Permanent - CRE: Special mention — — — — 2,464 2,464 — 2,464 — — — — 2,464 2,464 — 2,464 Total $ 5,986 $ 1,604 $ 341 $ 7,931 $ 822,801 $ 830,732 $ 18,127 $ 848,859 Loans receivable, gross: Pass $ 5,460 $ 1,256 $ 341 $ 7,057 $ 811,226 $ 818,283 $ 4,612 $ 822,895 Special mention — 348 — 348 9,104 9,452 — 9,452 Substandard 526 — — 526 2,471 2,997 13,515 16,512 Loans receivable, gross $ 5,986 $ 1,604 $ 341 $ 7,931 $ 822,801 $ 830,732 $ 18,127 $ 848,859
Schedule of Financing Receivable, Nonaccrual	The following tables summarize non-performing (i.e., non-accruing) loans by aging category and status, within the applicable loan portfolio segment as of September 30, 2024 and December 31, 2023: (In thousands) Non-accruing Loans 30 - 59 60 - 89 90 Days or Total Current Total As of September 30, 2024: Loan portfolio segment: Commercial Real Estate: Pass $ — $ — $ 3,185 $ 3,185 $ — $ 3,185 Substandard — — 16,055 16,055 9,015 25,070 Residential Real Estate: Substandard — — 131 131 — 131 Commercial and Industrial: Pass — — 2,660 2,660 448 3,108 Substandard — 4 991 995 294 1,289 Consumer and Other: Substandard — 1 1,395 1,396 — 1,396 Construction to permanent - CRE: Substandard — — 2,357 2,357 — 2,357 Total non-accruing loans $ — $ 5 $ 26,774 $ 26,779 $ 9,757 $ 36,536 As of December 31, 2023: Loan portfolio segment: Commercial Real Estate: Pass $ — $ — $ 1,629 $ 1,629 $ — $ 1,629 Substandard — 770 439 1,209 9,937 11,146 Commercial and Industrial: Pass — — 2,054 2,054 929 2,983 Substandard — 371 535 906 32 938 Consumer and Other: Substandard — 16 887 903 74 977 Construction: Substandard — — — — 454 454 Total non-accruing loans $ — $ 1,157 $ 5,544 $ 6,701 $ 11,426 $ 18,127
Schedule of Impaired Financing Receivables	The following table reflects information about the individually evaluated loans by class as of September 30, 2024 and December 31, 2023: (In thousands) September 30, 2024 December 31, 2023 Recorded Principal Related Recorded Investment Principal Outstanding Related Allowance With no related allowance recorded: Commercial Real Estate $ 3,808 $ 4,498 $ — $ 2,838 $ 5,879 $ — Commercial and Industrial 4,378 5,432 — 2,266 2,899 — Construction — — — 454 461 — Construction to permanent - CRE 2,357 2,476 — — — — 10,543 12,406 — 5,558 9,239 — With a related allowance recorded: Commercial Real Estate 24,446 25,367 7,010 9,937 10,137 3,813 Commercial and Industrial — — — 1,638 3,159 392 24,446 25,367 7,010 11,575 13,296 4,205 Individually evaluated loans, Total: Commercial Real Estate 28,254 29,865 7,010 12,775 16,016 3,813 Commercial and Industrial 4,378 5,432 — 3,904 6,058 392 Construction — — — 454 461 — Construction to permanent - CRE 2,357 2,476 — — — — Total $ 34,989 $ 37,773 $ 7,010 $ 17,133 $ 22,535 $ 4,205 The following table summarizes additional information regarding individually evaluated loans by class for the three and nine months ended September 30, 2024 and 2023: Three Month Ended September 30, Nine Months Ended September 30, (In thousands) 2024 2023 2024 2023 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized With no related allowance recorded: Commercial Real Estate $ 3,923 $ — $ 384 $ — $ 3,922 $ — $ 591 $ — Residential Real Estate — — 183 — — — 694 — Commercial and Industrial 4,479 125 3,246 97 3,720 236 2,639 212 Consumer and Other — — — — — — 205 — Construction — — 362 — — — 840 — Construction to permanent - CRE 2,357 — — — 2,411 — — — 10,759 125 4,175 97 10,053 236 4,969 212 With a related allowance recorded: Commercial Real Estate 24,627 59 10,405 — 25,018 274 13,833 15 Residential Real Estate — — 1,352 — — — 1,514 — Commercial and Industrial — — 4,052 55 — — 3,821 169 Consumer and Other — — 18 — — — 7 — 24,627 59 15,827 55 25,018 274 19,175 184 Individually evaluated loans, Total: Commercial Real Estate 28,550 59 10,789 — 28,940 274 14,424 15 Residential Real Estate — — 1,535 — — — 2,208 — Commercial and Industrial 4,479 125 7,298 152 3,720 236 6,460 381 Consumer and Other — — 18 — — — 212 — Construction — — 362 — — — 840 — Construction to permanent - CRE 2,357 — — — 2,411 — — — Total $ 35,386 $ 184 $ 20,002 $ 152 $ 35,071 $ 510 $ 24,144 $ 396

Loans Held for Sale (Tables)

Loans Held for Sale (Tables)	9 Months Ended
	Sep. 30, 2024
Receivables [Abstract]
Schedule of Servicing Asset at Amortized Cost	The following table presents an analysis of the activity in the SBA servicing assets for the three and nine months ended September 30, 2024 and 2023: (In thousands) Three Month Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Beginning balance $ 790 $ 882 $ 857 $ 886 Servicing rights capitalized 38 27 111 85 Servicing rights amortized (15) (23) (49) (45) Servicing rights disposed (22) (7) (128) (47) Ending balance $ 791 $ 879 $ 791 $ 879

Deposits (Tables)

Deposits (Tables)	9 Months Ended
	Sep. 30, 2024
Deposits [Abstract]
Schedule of Deposit Liabilities, Type	The following table presents the balance of deposits held, by category as of September 30, 2024 and December 31, 2023: (In thousands) September 30, 2024 December 31, 2023 Non-interest bearing $ 91,583 $ 110,056 Interest bearing: Negotiable order of withdrawal accounts 27,984 33,035 Savings deposits 38,824 44,104 Interest bearing DDA 183,132 171,577 Money market 178,479 200,280 Certificates of deposit, $250,000 or less 167,788 175,988 Certificates of deposit, more than $250,000 65,022 64,745 Brokered deposits 72,077 40,526 Interest bearing, Total 733,306 730,255 Total Deposits $ 824,889 $ 840,311
Schedule of Contractual Obligation, Fiscal Year Maturity	As of September 30, 2024, contractual maturities of Certificates of Deposit (“CDs”), and brokered deposits is summarized as follows: (In thousands) Certificates of Deposit Certificates of Deposit Brokered Total 1 year or less $ 143,289 $ 52,906 $ 17,334 $ 213,529 More than 1 year through 2 years 20,292 9,464 49,701 79,457 More than 2 years through 3 years 3,935 2,652 5,042 11,629 More than 3 years through 4 years 69 — — 69 More than 4 years through 5 years 203 — — 203 $ 167,788 $ 65,022 $ 72,077 $ 304,887

Derivatives (Tables)

Derivatives (Tables)	9 Months Ended
	Sep. 30, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments	The following table presents summary information regarding these derivatives for the periods presented (dollars in thousands): (In thousands) Notional Maturity Fixed Rate Variable Fair Value September 30, 2024 Classified in Other Assets: 3rd party interest rate swap $ 1,300 4.80 4.38 % 1 Mo. SOFR + 2.00% $ 50 Classified in Other Liabilities: Customer interest rate swap 1,300 4.80 4.38 % 1 Mo. SOFR + 2.00% (50) December 31, 2023 Classified in Other Assets: 3rd party interest rate swap 1,327 5.50 4.38 % 1 Mo. SOFR + 2.00% 74 Classified in Other Liabilities: Customer interest rate swap 1,327 5.50 4.38 % 1 Mo. SOFR + 2.00% (74)

Share-based Compensation and _2

Share-based Compensation and Employee Benefit Plan (Tables)	9 Months Ended
	Sep. 30, 2024
Share-Based Payment Arrangement [Abstract]
Schedule of Nonvested Restricted Stock Units Activity	The following is a summary of the status of the Company’s restricted shares and changes for the three and nine months ended September 30, 2024 and 2023: Three months ended September 30, 2024: Number of Weighted Average Unvested at June 30, 2024 108,839 $4.16 Granted 53,125 $1.60 Unvested at September 30, 2024 161,964 $3.32 Nine months ended September 30, 2024: Unvested at December 31, 2023 17,506 $6.09 Granted 144,458 $2.98 Unvested at September 30, 2024 161,964 $3.32 Three months ended September 30, 2023 Number of Weighted Average Unvested at June 30, 2023 22,660 $7.11 Granted 4,761 $9.04 Unvested at September 30, 2023 27,421 $7.45 Nine months ended September 30, 2023: Unvested at December 31, 2022 22,660 $7.11 Granted 4,761 $9.04 Unvested at September 30, 2023 27,421 $7.45

Earnings per share (Tables)

Earnings per share (Tables)	9 Months Ended
	Sep. 30, 2024
Earnings Per Share [Abstract]
Schedule of Loss Per Share, Basic and Diluted	The following table summarizes the computation of basic and diluted loss per share for the three and nine months ended September 30, 2024 and 2023: (Net loss in thousands) Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Basis loss per share: Net loss attributable to Common shareholders $ (26,954) $ (3,770) $ (30,334) $ (5,084) Divided by: Weighted average shares outstanding 3,976,073 3,965,186 3,976,073 3,965,186 Basic loss per share of common stock $ (6.78) $ (0.95) $ (7.63) $ (1.28) Diluted loss per share: Net loss attributable to Common shareholders $ (26,954) $ (3,770) $ (30,334) $ (5,084) Weighted average shares outstanding 3,976,073 3,965,186 3,976,073 3,965,186 Effect of potentially dilutive restricted shares of common stock — (1) — (2) — (3) — (4) Divided by: Weighted average diluted shares outstanding 3,976,073 3,965,186 3,976,073 3,965,186 Diluted loss per share of common stock $ (6.78) $ (0.95) $ (7.63) $ (1.28) (1) The weighted average diluted shares outstanding does not include 91,697 anti-dilutive restricted shares of common stock for the three months ended September 30, 2024. (2) The weighted average diluted shares outstanding does not include 1,651 anti-dilutive restricted shares of common stock for the three months ended September 30, 2023. (3) The weighted average diluted shares outstanding does not include 44,296 anti-dilutive restricted shares of common stock for the nine months ended September 30, 2024. (4) The weighted average diluted shares outstanding does not include 3,009 anti-dilutive restricted shares of common stock for the nine months ended September 30, 2023.

Financial Instruments With Of_2

Financial Instruments With Off-balance Sheet Risk (Tables)	9 Months Ended
	Sep. 30, 2024
Risks and Uncertainties [Abstract]
Schedule of Commitment to Extended Credit	Financial instruments with credit risk at September 30, 2024 and December 31, 2023 are as follows: (In thousands) September 30, 2024 December 31, 2023 Commitments to extend credit: Unused lines of credit $ 70,762 $ 63,435 Undisbursed construction loans 861 2,607 Home equity lines of credit 24,997 26,488 $ 96,620 $ 92,530

Regulatory and Operational Ma_2

Regulatory and Operational Matters (Tables)	9 Months Ended
	Sep. 30, 2024
Regulatory Capital Requirements under Banking Regulations [Abstract]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	The Company and Bank’s regulatory capital amounts and ratios at September 30, 2024 and December 31, 2023 are summarized as follows: September 30, 2024 December 31, 2023 Patriot National Bancorp, Inc. Patriot Bank, N.A. Patriot National Bancorp, Inc. Patriot Bank, N.A. (Dollar amounts in thousands) Amount Ratio Amount Ratio Amount Ratio Amount Ratio Total Capital (to risk weighted assets): Actual $ 61,681 7.82 % $ 73,206 9.29 % $ 89,727 10.00 % $ 100,683 11.22 % To be Well Capitalized (1) — — 78,837 10.00 % — — 89,732 10.00 % For capital adequacy with Capital Buffer (2) — — 82,779 10.50 % — — 94,218 10.50 % For capital adequacy 63,090 8.00 % 63,070 8.00 % 71,788 8.00 % 71,785 8.00 % Tier 1 Capital (to risk weighted assets): Actual 43,018 5.45 % 64,543 8.19 % 73,282 8.17 % 94,238 10.50 % To be Well Capitalized (1) — — 63,070 8.00 % — — 71,785 8.00 % For capital adequacy with Capital Buffer (2) — — 67,012 8.50 % — — 76,272 8.50 % For capital adequacy 47,317 6.00 % 47,302 6.00 % 53,841 6.00 % 53,839 6.00 % Common Equity Tier 1 Capital Actual 35,018 4.44 % 64,543 8.19 % 65,282 7.27 % 94,238 10.50 % To be Well Capitalized (1) — — 51,244 6.50 % — — 58,325 6.50 % For capital adequacy with Capital Buffer (2) — — 55,186 7.00 % — — 62,812 7.00 % For capital adequacy 35,488 4.50 % 35,477 4.50 % 40,381 4.50 % 40,379 4.50 % Tier 1 Leverage Capital (to average assets): Actual 43,018 4.35 % 64,543 6.53 % 73,282 6.76 % 94,238 8.70 % To be Well Capitalized (1) — — 49,383 5.00 % — — 54,170 5.00 % For capital adequacy 39,516 4.00 % 39,506 4.00 % 43,339 4.00 % 43,336 4.00 % (1) Designation as "Well Capitalized" does not apply to bank holding companies - the Company. Such categorization of capital adequacy only applies to insured depository institutions - the Bank. (2) The Capital Conservation Buffer implemented by the FDIC began to be phased in beginning January 1, 2016. It was not applicable to periods prior to that date and does not apply to bank holding companies - the Company.

Fair Value and Interest Rate _2

Fair Value and Interest Rate Risk (Tables)	9 Months Ended
	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Schedule of Fair Value, by Balance Sheet Grouping	The following table provides a comparison of the carrying amounts and estimated fair values of Patriot’s financial assets and liabilities as of September 30, 2024 and December 31, 2023: (In thousands) September 30, 2024 December 31, 2023 Fair Value Carrying Estimated Carrying Estimated Financial Assets: Cash and noninterest bearing balances due from banks Level 1 $ 2,718 $ 2,718 $ 2,195 $ 2,195 Interest-bearing deposits due from banks Level 1 70,013 70,013 50,322 50,322 Restricted cash Level 1 41 41 14,019 14,019 Available-for-sale securities Level 2 78,437 78,437 78,925 78,925 Available-for-sale securities Level 3 11,141 11,141 10,262 10,262 Other investments Level 2 4,450 4,450 4,450 4,450 Federal Reserve Bank stock Level 2 2,109 2,109 2,090 2,090 Federal Home Loan Bank stock Level 2 3,473 3,473 4,202 4,202 Loans receivable, net Level 3 740,687 719,395 832,934 812,856 Loans held for sale Level 2 13,658 13,658 20,767 21,557 SBA servicing assets Level 3 791 848 857 932 Other real estate owned Level 2 2,843 2,843 2,843 2,843 Accrued interest receivable Level 2 5,932 5,932 7,219 7,219 Interest rate swap receivable Level 2 50 50 74 74 Financial assets, total $ 936,343 $ 915,108 $ 1,031,159 $ 1,011,946 Financial Liabilities: Demand deposits Level 2 $ 91,583 $ 91,583 $ 110,056 $ 110,056 Negotiable order of withdrawal accounts Level 2 27,984 27,984 33,035 33,035 Savings deposits Level 2 38,824 38,824 44,104 44,104 Interest bearing DDA Level 2 183,132 183,132 171,577 171,577 Money market deposits Level 2 178,479 178,479 200,280 200,280 Time deposits Level 2 232,810 232,294 240,733 239,655 Brokered deposits Level 1 72,077 70,995 40,526 40,453 FHLB, FRB and correspondent bank borrowings Level 2 93,800 93,800 171,000 170,171 Senior notes Level 2 11,827 11,669 11,723 11,397 Subordinated debt Level 2 9,891 9,888 9,869 10,102 Junior subordinated debt owed to unconsolidated trust Level 2 8,144 8,144 8,137 8,137 Note payable Level 3 216 210 376 362 Accrued interest payable Level 2 525 525 1,235 1,235 Interest rate swap liability Level 2 50 50 74 74 Financial liabilities, total $ 949,342 $ 947,577 $ 1,042,725 $ 1,040,638
Schedule of Fair Value, Assets Measured on Recurring Basis	The following tables detail the financial assets measured at fair value on a recurring basis and the valuation techniques utilized relative to the fair value hierarchy, as of September 30, 2024 and December 31, 2023: (In thousands) Quoted Prices in Significant Significant Total September 30, 2024: U. S. Government agency and mortgage-backed securities $ — $ 66,289 $ — $ 66,289 Corporate bonds — 3,564 11,141 14,705 Subordinated notes — 4,399 — 4,399 SBA loan pools — 3,698 — 3,698 Municipal bonds — 487 — 487 Available-for-sale securities $ — $ 78,437 $ 11,141 $ 89,578 Interest rate swap receivable $ — $ 50 $ — $ 50 Interest rate swap liability $ — $ 50 $ — $ 50 December 31, 2023: U. S. Government agency and mortgage-backed securities $ — $ 65,671 $ — $ 65,671 Corporate bonds — 3,504 10,262 13,766 Subordinated notes — 4,227 — 4,227 SBA loan pools — 5,037 — 5,037 Municipal bonds — 486 — 486 Available-for-sale securities $ — $ 78,925 $ 10,262 $ 89,187 Interest rate swap receivable $ — $ 74 $ — $ 74 Interest rate swap liability $ — $ 74 $ — $ 74
Schedule of Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation	The reconciliation of the beginning and ending balances during the three and nine months ended September 30, 2024 and 2023 for Level 3 available-for-sale securities is as follows: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2024 2023 2024 2023 Level 3 fair value, beginning of period $ 10,365 $ 9,882 $ 10,262 $ 9,427 Purchases — — — — Realized gain (loss) — — — — Unrealized (loss) gain 776 (11) 879 444 Transfers in and /or out of Level 3 — — — — Level 3 fair value, end of period $ 11,141 $ 9,871 $ 11,141 $ 9,871
Schedule of Fair Value Measurement Inputs and Valuation Techniques	The table below presents the valuation methodology and unobservable inputs for level 3 assets measured at fair value on a non-recurring basis as of September 30, 2024 and December 31, 2023: (In thousands) Fair Value Valuation Unobservable Inputs Range of Inputs September 30, 2024: Individually evaluated loans, net $ 27,979 Real Estate Appraisals Discount for appraisal type 5.8 % - 20% SBA servicing assets 848 Discounted Cash Flows Market discount rates 14.73 % - 14.90% December 31, 2023: Individually evaluated loans, net $ 12,928 Real Estate Appraisals Discount for appraisal type 5.8 % - 20% SBA servicing assets 932 Discounted Cash Flows Market discount rates 14.73 % - 14.90%

Summary of Significant Accoun_4

Summary of Significant Accounting Policies and Transactions - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Deferred tax assets and liabilities:
Gross deferred tax assets	$ 25,129	$ 25,622
Less deferred tax asset valuation allowance	(25,129)	0
Total deferred tax assets	0	25,622
Gross deferred tax liabilities	(723)	(1,488)
Net deferred tax (liabilities) assets	$ 723
Net deferred tax (liabilities) assets		$ (24,134)

Summary of Significant Accoun_5

Summary of Significant Accounting Policies and Transactions (Details) - USD ($) $ in Millions	3 Months Ended	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2024
Accounting Policies [Abstract]
Increase in income taxes	$ (25.1)	$ (25.1)
Percentage for valuation allowance		100%

Available-for-Sale Securities -

Available-for-Sale Securities - Investment Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	$ 107,196	$ 110,056
Gross Unrealized Gains	33	0
Gross Unrealized (Losses)	(17,651)	(20,869)
Fair Value	89,578	89,187
U. S. Government agency and mortgage-backed securities
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	79,082	80,500
Gross Unrealized Gains	33	0
Gross Unrealized (Losses)	(12,826)	(14,829)
Fair Value	66,289	65,671
Corporate bonds
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	17,995	17,995
Gross Unrealized Gains	0	0
Gross Unrealized (Losses)	(3,290)	(4,229)
Fair Value	14,705	13,766
Subordinated notes
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	5,000	5,000
Gross Unrealized Gains	0	0
Gross Unrealized (Losses)	(601)	(773)
Fair Value	4,399	4,227
SBA loan pools
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	4,561	6,002
Gross Unrealized Gains	0	0
Gross Unrealized (Losses)	(863)	(965)
Fair Value	3,698	5,037
Municipal bonds
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	558	559
Gross Unrealized Gains	0	0
Gross Unrealized (Losses)	(71)	(73)
Fair Value	$ 487	$ 486

Available-for-Sale Securities_2

Available-for-Sale Securities - Investment Securities in a Continuous Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Debt Securities, Available-for-Sale [Line Items]
Less than 12 Months, Fair Value	$ 2,237	$ 9,984
Less than 12 Months, Unrealized (Loss)	(56)	(286)
12 Months or Longer, Fair Value	85,255	79,203
Less than 12 Months, Unrealized (Loss)	(17,595)	(20,583)
Fair Value	87,492	89,187
Unrealized (Loss)	(17,651)	(20,869)
U. S. Government agency and mortgage-backed securities
Debt Securities, Available-for-Sale [Line Items]
Less than 12 Months, Fair Value	2,237	9,984
Less than 12 Months, Unrealized (Loss)	(56)	(286)
12 Months or Longer, Fair Value	61,966	55,687
Less than 12 Months, Unrealized (Loss)	(12,770)	(14,543)
Fair Value	64,203	65,671
Unrealized (Loss)	(12,826)	(14,829)
Corporate bonds
Debt Securities, Available-for-Sale [Line Items]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Unrealized (Loss)	0	0
12 Months or Longer, Fair Value	14,705	13,766
Less than 12 Months, Unrealized (Loss)	(3,290)	(4,229)
Fair Value	14,705	13,766
Unrealized (Loss)	(3,290)	(4,229)
Subordinated notes
Debt Securities, Available-for-Sale [Line Items]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Unrealized (Loss)	0	0
12 Months or Longer, Fair Value	4,399	4,227
Less than 12 Months, Unrealized (Loss)	(601)	(773)
Fair Value	4,399	4,227
Unrealized (Loss)	(601)	(773)
SBA loan pools
Debt Securities, Available-for-Sale [Line Items]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Unrealized (Loss)	0	0
12 Months or Longer, Fair Value	3,698	5,037
Less than 12 Months, Unrealized (Loss)	(863)	(965)
Fair Value	3,698	5,037
Unrealized (Loss)	(863)	(965)
Municipal bonds
Debt Securities, Available-for-Sale [Line Items]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Unrealized (Loss)	0	0
12 Months or Longer, Fair Value	487	486
Less than 12 Months, Unrealized (Loss)	(71)	(73)
Fair Value	487	486
Unrealized (Loss)	$ (71)	$ (73)

Available-for-Sale Securities_3

Available-for-Sale Securities - Narrative (Details)	Sep. 30, 2024 USD ($) position	Dec. 31, 2023 USD ($) position
Debt Securities, Available-for-Sale [Line Items]
Number of unrealized loss positions | position	48	50
Number of available-for-sale securities | position	49	50
Unrealized holding losses depreciation percentage from amortized cost	(16.80%)	(19.00%)
Available-for-Sale Securities
Debt Securities, Available-for-Sale [Line Items]
Allowance for credit loss	$ 0
U. S. Government agency and mortgage-backed securities
Debt Securities, Available-for-Sale [Line Items]
Allowance for credit loss	0
Corporate bonds
Debt Securities, Available-for-Sale [Line Items]
Allowance for credit loss	0
Asset Pledged as Collateral | Debt Securities
Debt Securities, Available-for-Sale [Line Items]
Financial instruments, owned, at fair value	$ 35,600,000	$ 68,500,000

Available-for-Sale Securities_4

Available-for-Sale Securities - By Maturity Date (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Amortized Cost
Due Within 5 years	$ 5,153	$ 5,153
Due After 5 years through 10 years	23,578	24,719
Due After 10 years	78,465	80,184
Amortized Cost	107,196	110,056
Fair Value
Due Within 5 years	4,675	4,614
Due After 5 years through 10 years	19,236	19,186
Due After 10 years	65,667	65,387
Total	89,578	89,187
Available-for-sale securities with stated maturity dates
Amortized Cost
Due Within 5 years	5,153	5,153
Due After 5 years through 10 years	18,400	19,497
Due After 10 years	4,561	4,906
Amortized Cost	28,114	29,556
Fair Value
Due Within 5 years	4,675	4,614
Due After 5 years through 10 years	14,916	14,949
Due After 10 years	3,698	3,953
Total	23,289	23,516
Corporate bonds
Amortized Cost
Due Within 5 years	2,000	2,000
Due After 5 years through 10 years	15,995	15,995
Due After 10 years	0	0
Amortized Cost	17,995	17,995
Fair Value
Due Within 5 years	1,953	1,947
Due After 5 years through 10 years	12,752	11,819
Due After 10 years	0	0
Total	14,705	13,766
Subordinated notes
Amortized Cost
Due Within 5 years	3,000	3,000
Due After 5 years through 10 years	2,000	2,000
Due After 10 years	0	0
Amortized Cost	5,000	5,000
Fair Value
Due Within 5 years	2,580	2,527
Due After 5 years through 10 years	1,819	1,700
Due After 10 years	0	0
Total	4,399	4,227
SBA loan pools
Amortized Cost
Due Within 5 years	0	0
Due After 5 years through 10 years	0	1,096
Due After 10 years	4,561	4,906
Amortized Cost	4,561	6,002
Fair Value
Due Within 5 years	0	0
Due After 5 years through 10 years	0	1,084
Due After 10 years	3,698	3,953
Total	3,698	5,037
Municipal bonds
Amortized Cost
Due Within 5 years	153	153
Due After 5 years through 10 years	405	406
Due After 10 years	0	0
Amortized Cost	558	559
Fair Value
Due Within 5 years	142	140
Due After 5 years through 10 years	345	346
Due After 10 years	0	0
Total	487	486
U. S. Government agency and mortgage-backed securities
Amortized Cost
Due Within 5 years	0	0
Due After 5 years through 10 years	5,178	5,222
Due After 10 years	73,904	75,278
Amortized Cost	79,082	80,500
Fair Value
Due Within 5 years	0	0
Due After 5 years through 10 years	4,320	4,237
Due After 10 years	61,969	61,434
Total	$ 66,289	$ 65,671

Loans Receivable and Allowanc_3

Loans Receivable and Allowance for Credit Losses - Loan Portfolio (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 755,671		$ 848,859
Allowance for credit losses	(14,984)	$ (14,989)	(15,925)	$ (25,668)	$ (24,098)	$ (10,310)
Loans receivable, net	740,687		832,934
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	452,155		472,093
Allowance for credit losses	(9,045)	(7,958)	(6,089)	(13,360)	(10,039)	(6,966)
Residential Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	94,579		106,783
Allowance for credit losses	(608)	(678)	(607)	(1,088)	(1,027)	(665)
Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	134,333		163,565
Allowance for credit losses	(1,056)	(1,215)	(1,269)	(1,408)	(1,673)	(1,403)
Consumer and Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	68,418		99,688
Allowance for credit losses	(4,273)	(5,133)	(7,843)	(9,696)	(11,275)	(1,207)
Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	3,829		4,266
Allowance for credit losses	(2)	(5)	(4)	(2)	(33)	(24)
Construction to Permanent - CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	2,357		2,464
Allowance for credit losses	$ 0	$ 0	$ (113)	$ (114)	$ (51)	$ (10)

Loans Receivable and Allowanc_4

Loans Receivable and Allowance for Credit Losses - Narrative (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2024 USD ($) loan	Sep. 30, 2023 USD ($) loan	Sep. 30, 2024 USD ($) loan	Sep. 30, 2023 USD ($) loan	Dec. 31, 2023 USD ($)	Dec. 31, 2022	Oct. 01, 2021	Jan. 01, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans purchased			$ 127,000	$ 19,751,000
Loans receivable, gross	$ 755,671,000		$ 755,671,000		$ 848,859,000
Maximum period of credit extension			18 months
Loans receivable, term to reset to FHLB rate			5 years
Transfers of loans receivable to loans held for sale			$ 4,339,000	0
Period for charged off of open-end credits			180 days
Period for charged off of close-end credits			90 days
Maximum period for charged off of consumer installment loans			120 days
Maximum period for charge off, open ended consumer credit			180 days
Interest lost on nonaccrual loans, impaired loans	894,000	$ 328,000	$ 2,200,000	605,000
Interest lost on nonaccrual loans	325,000	$ 152,000	543,000	$ 396,000
Threshold amount for nonaccrual and substandard loans evaluation	$ 100,000		$ 100,000
Discount to appraisal value	5.80%		5.80%
Discount of appraisal value, selling costs	8%		8%
Number of contract modifications | loan	0	0	0	0
Unfunded Loan Commitment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for credit loss	$ 177,000		$ 177,000		271,000
Business Activities Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	755,671,000		755,671,000		848,859,000
Business Activities Loans | Performing (Accruing) Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	719,135,000		719,135,000		830,732,000
Business Activities Loans | 90 Days or Greater Past Due | Performing (Accruing) Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 3,979,000		$ 3,979,000		341,000
Exchange percent of principal reduction and cash collateral	50%		50%
SBA Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 31,000,000		$ 31,000,000		30,000,000
Percentage of principal balance guaranteed						75%	75%	90%
Transfers of loans receivable to loans held for sale	5,500,000	$ 0	5,500,000	$ 0
SBA CARES Act Paycheck Protection Program
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	130,000		130,000		133,000
Syndicated and Leveraged Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	5,700,000		$ 5,700,000		5,700,000
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maximum percentage of credit extension based on market value of collateral			75%
Loans purchased	0	0	$ 0	0
Loans receivable, gross	452,155,000		452,155,000		472,093,000
Commercial Real Estate | Business Activities Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	452,155,000		452,155,000		472,093,000
Commercial Real Estate | Business Activities Loans | Performing (Accruing) Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	423,900,000		423,900,000		459,318,000
Commercial Real Estate | Business Activities Loans | 90 Days or Greater Past Due | Performing (Accruing) Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	3,979,000		$ 3,979,000		0
Multi-family Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maximum percentage of credit extension based on market value of collateral			80%
Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of maximum loan to value			75%
Loans receivable, gross	3,829,000		$ 3,829,000		4,266,000
Construction | Business Activities Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	3,829,000		3,829,000		4,266,000
Construction | Business Activities Loans | Performing (Accruing) Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	3,829,000		3,829,000		3,812,000
Construction | Business Activities Loans | 90 Days or Greater Past Due | Performing (Accruing) Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	0		0		0
Residential Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans purchased	41,000	0	127,000	0
Loans receivable, gross	94,579,000		94,579,000		106,783,000
Residential Real Estate | Business Activities Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	94,579,000		94,579,000		106,783,000
Residential Real Estate | Business Activities Loans | Performing (Accruing) Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	94,448,000		94,448,000		106,783,000
Residential Real Estate | Business Activities Loans | 90 Days or Greater Past Due | Performing (Accruing) Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	0		0		0
Consumer and Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	68,418,000		68,418,000		99,688,000
Consumer and Other | Business Activities Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	68,418,000		68,418,000		99,688,000
Consumer and Other | Business Activities Loans | Performing (Accruing) Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	67,022,000		67,022,000		98,711,000
Consumer and Other | Business Activities Loans | 90 Days or Greater Past Due | Performing (Accruing) Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	0		$ 0		341,000
Consumer and Other | Minimum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable term			2 years
Consumer and Other | Maximum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable term			5 years
Consumer and Other | Unsecured Consumer Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	26,100,000		$ 26,100,000		48,500,000
Consumer and Other | Unsecured Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans purchased	0	1,800,000	0	15,400,000
Consumer and Other | Home equity lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans purchased	0	$ 1,500,000	0	$ 4,400,000
Construction to Permanent - CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	2,357,000		2,357,000		2,464,000
Construction to Permanent - CRE | Business Activities Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	2,357,000		2,357,000		2,464,000
Construction to Permanent - CRE | Business Activities Loans | Performing (Accruing) Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	0		0		2,464,000
Construction to Permanent - CRE | Business Activities Loans | 90 Days or Greater Past Due | Performing (Accruing) Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 0		$ 0		$ 0
Construction to Permanent - CRE | Minimum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable term			20 years
Construction to Permanent - CRE | Maximum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable term			25 years

Loans Receivable and Allowanc_5

Loans Receivable and Allowance for Credit Losses - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Allowance for Loan and Lease Losses [Roll Forward]
Balance	$ 14,989	$ 24,098	$ 15,925	$ 10,310	$ 10,310
Charge-offs	(1,512)	(3,548)	(6,877)	(8,016)	(18,417)
Recoveries	423	318	1,066	778
Provisions (credits)	1,084	4,800	4,870	9,595
Balance	14,984	25,668	14,984	25,668	15,925
Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Balance				13,001	13,001
Unfunded Loan Commitment
Allowance for Loan and Lease Losses [Roll Forward]
Provisions (credits)	(58)	(112)	(94)	(1,400)
Commercial Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance	7,958	10,039	6,089	6,966	6,966
Charge-offs	(124)	0	(282)	0	(6,346)
Recoveries	0	0	0	0
Provisions (credits)	1,211	3,321	3,238	4,768
Balance	9,045	13,360	9,045	13,360	6,089
Commercial Real Estate | Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Balance				1,626	1,626
Residential Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance	678	1,027	607	665	665
Charge-offs	0	(113)	(21)	(113)	(515)
Recoveries	0	3	0	14
Provisions (credits)	(70)	171	22	333
Balance	608	1,088	608	1,088	607
Residential Real Estate | Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Balance				189	189
Commercial and Industrial
Allowance for Loan and Lease Losses [Roll Forward]
Balance	1,215	1,673	1,269	1,403	1,403
Charge-offs	(122)	(423)	(936)	(429)	(927)
Recoveries	160	9	238	25
Provisions (credits)	(197)	149	485	190
Balance	1,056	1,408	1,056	1,408	1,269
Commercial and Industrial | Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Balance				219	219
Consumer and Other
Allowance for Loan and Lease Losses [Roll Forward]
Balance	5,133	11,275	7,843	1,207	1,207
Charge-offs	(1,266)	(3,012)	(5,638)	(7,324)	(10,479)
Recoveries	263	306	828	739
Provisions (credits)	143	1,127	1,240	4,097
Balance	4,273	9,696	4,273	9,696	7,843
Consumer and Other | Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Balance				10,977	10,977
Construction
Allowance for Loan and Lease Losses [Roll Forward]
Balance	5	33	4	24	24
Charge-offs	0	0	0	(150)	(150)
Recoveries	0	0	0	0
Provisions (credits)	(3)	(31)	(2)	132
Balance	2	2	2	2	4
Construction | Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Balance				(4)	(4)
Construction to Permanent - CRE
Allowance for Loan and Lease Losses [Roll Forward]
Balance	0	51	113	10	10
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions (credits)	0	63	(113)	75
Balance	0	114	0	114	113
Construction to Permanent - CRE | Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Balance				29	29
Unallocated
Allowance for Loan and Lease Losses [Roll Forward]
Balance			0	35	35
Charge-offs			0	0
Recoveries			0	0
Provisions (credits)			0	0
Balance	$ 0	$ 0	$ 0	0	0
Unallocated | Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Balance				$ (35)	$ (35)

Loans Receivable and Allowanc_6

Loans Receivable and Allowance for Credit Losses - Individually Evaluated for Impairment (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Total allowance for credit losses	$ 14,984	$ 14,989	$ 15,925	$ 25,668	$ 24,098	$ 10,310
Business Activities Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated loans	7,010		4,205
Collectively evaluated loans	7,974		11,720
Total allowance for credit losses	14,984		15,925
Individually evaluated loans	34,989		17,133
Collectively evaluated loans	720,682		831,726
Loans receivable, gross	755,671		848,859
Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total allowance for credit losses	9,045	7,958	6,089	13,360	10,039	6,966
Commercial Real Estate | Business Activities Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated loans	7,010		3,813
Collectively evaluated loans	2,035		2,276
Total allowance for credit losses	9,045		6,089
Individually evaluated loans	28,254		12,775
Collectively evaluated loans	423,901		459,318
Loans receivable, gross	452,155		472,093
Residential Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total allowance for credit losses	608	678	607	1,088	1,027	665
Residential Real Estate | Business Activities Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated loans	0		0
Collectively evaluated loans	608		607
Total allowance for credit losses	608		607
Individually evaluated loans	0		0
Collectively evaluated loans	94,579		106,783
Loans receivable, gross	94,579		106,783
Commercial and Industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Total allowance for credit losses	1,056	1,215	1,269	1,408	1,673	1,403
Commercial and Industrial | Business Activities Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated loans	0		392
Collectively evaluated loans	1,056		877
Total allowance for credit losses	1,056		1,269
Individually evaluated loans	4,378		3,904
Collectively evaluated loans	129,955		159,661
Loans receivable, gross	134,333		163,565
Consumer and Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Total allowance for credit losses	4,273	5,133	7,843	9,696	11,275	1,207
Consumer and Other | Business Activities Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated loans	0		0
Collectively evaluated loans	4,273		7,843
Total allowance for credit losses	4,273		7,843
Individually evaluated loans	0		0
Collectively evaluated loans	68,418		99,688
Loans receivable, gross	68,418		99,688
Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Total allowance for credit losses	2	5	4	2	33	24
Construction | Business Activities Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated loans	0		0
Collectively evaluated loans	2		4
Total allowance for credit losses	2		4
Individually evaluated loans	0		454
Collectively evaluated loans	3,829		3,812
Loans receivable, gross	3,829		4,266
Construction to Permanent - CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Total allowance for credit losses	0	$ 0	113	$ 114	$ 51	$ 10
Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated loans	0		0
Collectively evaluated loans	0		113
Total allowance for credit losses	0		113
Individually evaluated loans	2,357		0
Collectively evaluated loans	0		2,464
Loans receivable, gross	$ 2,357		$ 2,464

Loans Receivable and Allowanc_7

Loans Receivable and Allowance for Credit Losses - Credit Quality Indicators (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	$ 1,527		$ 1,527		$ 114,068
Year two	114,138		114,138		199,200
Year three	183,953		183,953		149,244
Year four	140,443		140,443		23,262
Year five	20,959		20,959		73,662
Prior	189,464		189,464		161,255
Revolving	105,187		105,187		128,168
Loans receivable, gross	755,671		755,671		848,859
Current period gross charge-offs
Year one			0		114
Year two			253		9,195
Year three			4,900		1,515
Year four			485		0
Year five			0		6,863
Prior			1,239		730
Revolving			0		0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	1,512	$ 3,548	6,877	$ 8,016	18,417
Pass
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	1,527		1,527		113,849
Year two	112,944		112,944		189,926
Year three	166,303		166,303		145,918
Year four	119,033		119,033		22,982
Year five	13,967		13,967		62,770
Prior	174,473		174,473		159,460
Revolving	103,898		103,898		127,990
Loans receivable, gross	692,145		692,145		822,895
Special mention
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	0		0		6
Year two	5		5		6,830
Year three	12,712		12,712		2,464
Year four	939		939		0
Year five	1,053		1,053		37
Prior	2,721		2,721		11
Revolving	750		750		104
Loans receivable, gross	18,180		18,180		9,452
Substandard
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	0		0		213
Year two	1,189		1,189		2,444
Year three	4,938		4,938		862
Year four	20,471		20,471		280
Year five	5,939		5,939		10,855
Prior	12,270		12,270		1,784
Revolving	539		539		74
Loans receivable, gross	45,346		45,346		16,512
Commercial Real Estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	0		0		104,683
Year two	107,779		107,779		146,372
Year three	147,428		147,428		111,308
Year four	107,614		107,614		3,681
Year five	3,564		3,564		41,832
Prior	85,770		85,770		64,217
Revolving	0		0		0
Loans receivable, gross	452,155		452,155		472,093
Current period gross charge-offs
Year one			0		0
Year two			0		0
Year three			0		0
Year four			0		0
Year five			0		6,341
Prior			282		5
Revolving			0		0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	124	0	282	0	6,346
Commercial Real Estate | Pass
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	0		0		104,683
Year two	106,912		106,912		138,091
Year three	130,761		130,761		111,308
Year four	89,463		89,463		3,401
Year five	3,331		3,331		31,832
Prior	74,427		74,427		63,526
Revolving	0		0		0
Loans receivable, gross	404,894		404,894		452,841
Commercial Real Estate | Special mention
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	0		0		0
Year two	0		0		6,482
Year three	12,693		12,693		0
Year four	899		899		0
Year five	0		0		0
Prior	436		436		0
Revolving	0		0		0
Loans receivable, gross	14,028		14,028		6,482
Commercial Real Estate | Substandard
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	0		0		0
Year two	867		867		1,799
Year three	3,974		3,974		0
Year four	17,252		17,252		280
Year five	233		233		10,000
Prior	10,907		10,907		691
Revolving	0		0		0
Loans receivable, gross	33,233		33,233		12,770
Residential Real Estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	373		373		0
Year two	0		0		1,251
Year three	1,227		1,227		2,975
Year four	2,831		2,831		11,577
Year five	10,686		10,686		15,770
Prior	78,721		78,721		74,596
Revolving	741		741		614
Loans receivable, gross	94,579		94,579		106,783
Current period gross charge-offs
Year one			0		0
Year two			0		0
Year three			0		0
Year four			0		0
Year five			0		0
Prior			21		515
Revolving			0		0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	0	113	21	113	515
Residential Real Estate | Pass
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	373		373		0
Year two	0		0		1,251
Year three	1,227		1,227		2,975
Year four	2,831		2,831		11,577
Year five	9,633		9,633		15,770
Prior	77,192		77,192		74,596
Revolving	741		741		614
Loans receivable, gross	91,997		91,997		106,783
Residential Real Estate | Special mention
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Year five	1,053		1,053
Prior	1,398		1,398
Revolving	0		0
Loans receivable, gross	2,451		2,451
Residential Real Estate | Substandard
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Year five	0		0
Prior	131		131
Revolving	0		0
Loans receivable, gross	131		131
Commercial and Industrial
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	872		872		2,718
Year two	3,053		3,053		14,264
Year three	14,754		14,754		23,900
Year four	21,447		21,447		8,004
Year five	6,709		6,709		10,016
Prior	8,032		8,032		8,128
Revolving	79,466		79,466		96,535
Loans receivable, gross	134,333		134,333		163,565
Current period gross charge-offs
Year one			0		0
Year two			0		182
Year three			0		85
Year four			0		0
Year five			0		516
Prior			936		144
Revolving			0		0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	122	423	936	429	927
Commercial and Industrial | Pass
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	872		872		2,696
Year two	2,785		2,785		13,916
Year three	14,230		14,230		23,099
Year four	20,564		20,564		8,004
Year five	1,003		1,003		9,578
Prior	6,337		6,337		7,024
Revolving	78,612		78,612		96,431
Loans receivable, gross	124,403		124,403		160,748
Commercial and Industrial | Special mention
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	0		0		6
Year two	5		5		348
Year three	19		19		0
Year four	40		40		0
Year five	0		0		37
Prior	887		887		11
Revolving	750		750		104
Loans receivable, gross	1,701		1,701		506
Commercial and Industrial | Substandard
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	0		0		16
Year two	263		263		0
Year three	505		505		801
Year four	843		843		0
Year five	5,706		5,706		401
Prior	808		808		1,093
Revolving	104		104		0
Loans receivable, gross	8,229		8,229		2,311
Consumer and Other
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	282		282		6,667
Year two	3,306		3,306		37,313
Year three	20,544		20,544		4,785
Year four	2,365		2,365		0
Year five	0		0		5,590
Prior	16,941		16,941		14,314
Revolving	24,980		24,980		31,019
Loans receivable, gross	68,418		68,418		99,688
Current period gross charge-offs
Year one			0		114
Year two			253		9,013
Year three			4,900		1,280
Year four			485		0
Year five			0		6
Prior			0		66
Revolving			0		0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	1,266	3,012	5,638	7,324	10,479
Consumer and Other | Pass
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	282		282		6,470
Year two	3,247		3,247		36,668
Year three	20,085		20,085		4,724
Year four	2,346		2,346		0
Year five	0		0		5,590
Prior	16,517		16,517		14,314
Revolving	24,545		24,545		30,945
Loans receivable, gross	67,022		67,022		98,711
Consumer and Other | Substandard
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	0		0		197
Year two	59		59		645
Year three	459		459		61
Year four	19		19		0
Year five	0		0		0
Prior	424		424		0
Revolving	435		435		74
Loans receivable, gross	1,396		1,396		977
Construction
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	0		0		0
Year two	0		0		0
Year three	0		0		3,812
Year four	3,829		3,829		0
Year five	0		0		454
Prior	0		0		0
Revolving	0		0		0
Loans receivable, gross	3,829		3,829		4,266
Current period gross charge-offs
Year one					0
Year two					0
Year three					150
Year four					0
Year five					0
Prior					0
Revolving					0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	0	0	0	150	150
Construction | Pass
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	0		0		0
Year two	0		0		0
Year three	0		0		3,812
Year four	3,829		3,829		0
Year five	0		0		0
Prior	0		0		0
Revolving	0		0		0
Loans receivable, gross	3,829		3,829		3,812
Construction | Substandard
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one					0
Year two					0
Year three					0
Year four					0
Year five					454
Prior					0
Revolving					0
Loans receivable, gross					454
Construction to Permanent - CRE
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	0		0		0
Year two	0		0		0
Year three	0		0		2,464
Year four	2,357		2,357		0
Year five	0		0		0
Prior	0		0		0
Revolving	0		0		0
Loans receivable, gross	2,357		2,357		2,464
Current period gross charge-offs
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	0	$ 0	0	$ 0
Construction to Permanent - CRE | Substandard
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one	0		0		0
Year two	0		0		0
Year three	0		0		2,464
Year four	2,357		2,357		0
Year five	0		0		0
Prior	0		0		0
Revolving	0		0		0
Loans receivable, gross	$ 2,357		$ 2,357		$ 2,464

Loans Receivable and Allowanc_8

Loans Receivable and Allowance for Credit Losses - Loan Portfolio Aging Analysis (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	$ 755,671	$ 848,859
Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	755,671	848,859
Non- accruing Loans	36,536	18,127
Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	452,155	472,093
Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	452,155	472,093
Non- accruing Loans	28,255	12,775
Residential Real Estate
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	94,579	106,783
Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	94,579	106,783
Non- accruing Loans	131	0
Commercial and Industrial
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	134,333	163,565
Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	134,333	163,565
Non- accruing Loans	4,397	3,921
Consumer and Other
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	68,418	99,688
Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	68,418	99,688
Non- accruing Loans	1,396	977
Construction
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	3,829	4,266
Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	3,829	4,266
Non- accruing Loans	0	454
Construction to Permanent - CRE
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	2,357	2,464
Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	2,357	2,464
Non- accruing Loans	2,357	0
Pass
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	692,145	822,895
Pass | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	692,145	822,895
Non- accruing Loans	6,293	4,612
Pass | Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	404,894	452,841
Pass | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	404,894	452,841
Non- accruing Loans	3,185	1,629
Pass | Residential Real Estate
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	91,997	106,783
Pass | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	91,997	106,783
Non- accruing Loans	0	0
Pass | Commercial and Industrial
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	124,403	160,748
Pass | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	124,403	160,748
Non- accruing Loans	3,108	2,983
Pass | Consumer and Other
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	67,022	98,711
Pass | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	67,022	98,711
Non- accruing Loans	0	0
Pass | Construction
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	3,829	3,812
Pass | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	3,829	3,812
Non- accruing Loans	0	0
Special mention
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	18,180	9,452
Special mention | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	18,180	9,452
Non- accruing Loans	0	0
Special mention | Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	14,028	6,482
Special mention | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	14,028	6,482
Non- accruing Loans	0	0
Special mention | Residential Real Estate
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	2,451
Special mention | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	2,451
Non- accruing Loans	0
Special mention | Commercial and Industrial
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1,701	506
Special mention | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1,701	506
Non- accruing Loans	0	0
Special mention | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		2,464
Non- accruing Loans		0
Substandard
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	45,346	16,512
Substandard | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	45,346	16,512
Non- accruing Loans	30,243	13,515
Substandard | Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	33,233	12,770
Substandard | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	33,233	12,770
Non- accruing Loans	25,070	11,146
Substandard | Residential Real Estate
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	131
Substandard | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	131
Non- accruing Loans	131
Substandard | Commercial and Industrial
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	8,229	2,311
Substandard | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	8,229	2,311
Non- accruing Loans	1,289	938
Substandard | Consumer and Other
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1,396	977
Substandard | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1,396	977
Non- accruing Loans	1,396	977
Substandard | Construction
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		454
Substandard | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		454
Non- accruing Loans		454
Substandard | Construction to Permanent - CRE
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	2,357	2,464
Substandard | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	2,357
Non- accruing Loans	2,357
Performing (Accruing) Loans | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	719,135	830,732
Performing (Accruing) Loans | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	423,900	459,318
Performing (Accruing) Loans | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	94,448	106,783
Performing (Accruing) Loans | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	129,936	159,644
Performing (Accruing) Loans | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	67,022	98,711
Performing (Accruing) Loans | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	3,829	3,812
Performing (Accruing) Loans | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	2,464
Performing (Accruing) Loans | Pass | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	685,852	818,283
Performing (Accruing) Loans | Pass | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	401,709	451,212
Performing (Accruing) Loans | Pass | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	91,997	106,783
Performing (Accruing) Loans | Pass | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	121,295	157,765
Performing (Accruing) Loans | Pass | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	67,022	98,711
Performing (Accruing) Loans | Pass | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	3,829	3,812
Performing (Accruing) Loans | Special mention | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	18,180	9,452
Performing (Accruing) Loans | Special mention | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	14,028	6,482
Performing (Accruing) Loans | Special mention | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	2,451
Performing (Accruing) Loans | Special mention | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1,701	506
Performing (Accruing) Loans | Special mention | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		2,464
Performing (Accruing) Loans | Substandard | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	15,103	2,997
Performing (Accruing) Loans | Substandard | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	8,163	1,624
Performing (Accruing) Loans | Substandard | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
Performing (Accruing) Loans | Substandard | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	6,940	1,373
Performing (Accruing) Loans | Substandard | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
Performing (Accruing) Loans | Substandard | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		0
Performing (Accruing) Loans | Substandard | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
Non-accruing Loans | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Non- accruing Loans	36,536	18,127
Non-accruing Loans | Pass | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Non- accruing Loans	3,185	1,629
Non-accruing Loans | Pass | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Non- accruing Loans	3,108	2,983
Non-accruing Loans | Substandard | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Non- accruing Loans	25,070	11,146
Non-accruing Loans | Substandard | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Non- accruing Loans	131
Non-accruing Loans | Substandard | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Non- accruing Loans	1,289	938
Non-accruing Loans | Substandard | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Non- accruing Loans	1,396	977
Non-accruing Loans | Substandard | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Non- accruing Loans		454
Non-accruing Loans | Substandard | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Non- accruing Loans	2,357
Total Past Due | Performing (Accruing) Loans | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	8,642	7,931
Total Past Due | Performing (Accruing) Loans | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	5,240	2,505
Total Past Due | Performing (Accruing) Loans | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	1,439
Total Past Due | Performing (Accruing) Loans | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	2,084	1,304
Total Past Due | Performing (Accruing) Loans | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1,318	2,683
Total Past Due | Performing (Accruing) Loans | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
Total Past Due | Performing (Accruing) Loans | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
Total Past Due | Performing (Accruing) Loans | Pass | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	2,614	7,057
Total Past Due | Performing (Accruing) Loans | Pass | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	185	2,505
Total Past Due | Performing (Accruing) Loans | Pass | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	1,439
Total Past Due | Performing (Accruing) Loans | Pass | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1,111	430
Total Past Due | Performing (Accruing) Loans | Pass | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1,318	2,683
Total Past Due | Performing (Accruing) Loans | Pass | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
Total Past Due | Performing (Accruing) Loans | Special mention | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	789	348
Total Past Due | Performing (Accruing) Loans | Special mention | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	770	0
Total Past Due | Performing (Accruing) Loans | Special mention | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
Total Past Due | Performing (Accruing) Loans | Special mention | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	19	348
Total Past Due | Performing (Accruing) Loans | Special mention | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		0
Total Past Due | Performing (Accruing) Loans | Substandard | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	5,239	526
Total Past Due | Performing (Accruing) Loans | Substandard | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	4,285	0
Total Past Due | Performing (Accruing) Loans | Substandard | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
Total Past Due | Performing (Accruing) Loans | Substandard | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	954	526
Total Past Due | Performing (Accruing) Loans | Substandard | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
Total Past Due | Performing (Accruing) Loans | Substandard | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		0
Total Past Due | Performing (Accruing) Loans | Substandard | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
Total Past Due | Non-accruing Loans | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	26,779	6,701
Total Past Due | Non-accruing Loans | Pass | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	3,185	1,629
Total Past Due | Non-accruing Loans | Pass | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	2,660	2,054
Total Past Due | Non-accruing Loans | Substandard | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	16,055	1,209
Total Past Due | Non-accruing Loans | Substandard | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	131
Total Past Due | Non-accruing Loans | Substandard | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	995	906
Total Past Due | Non-accruing Loans | Substandard | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1,396	903
Total Past Due | Non-accruing Loans | Substandard | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		0
Total Past Due | Non-accruing Loans | Substandard | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	2,357
30 - 59 Days Past Due | Performing (Accruing) Loans | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	2,694	5,986
30 - 59 Days Past Due | Performing (Accruing) Loans | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1,261	2,274
30 - 59 Days Past Due | Performing (Accruing) Loans | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	1,439
30 - 59 Days Past Due | Performing (Accruing) Loans | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	623	946
30 - 59 Days Past Due | Performing (Accruing) Loans | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	810	1,327
30 - 59 Days Past Due | Performing (Accruing) Loans | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
30 - 59 Days Past Due | Performing (Accruing) Loans | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
30 - 59 Days Past Due | Performing (Accruing) Loans | Pass | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	995	5,460
30 - 59 Days Past Due | Performing (Accruing) Loans | Pass | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	185	2,274
30 - 59 Days Past Due | Performing (Accruing) Loans | Pass | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	1,439
30 - 59 Days Past Due | Performing (Accruing) Loans | Pass | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	420
30 - 59 Days Past Due | Performing (Accruing) Loans | Pass | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	810	1,327
30 - 59 Days Past Due | Performing (Accruing) Loans | Pass | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
30 - 59 Days Past Due | Performing (Accruing) Loans | Special mention | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	789	0
30 - 59 Days Past Due | Performing (Accruing) Loans | Special mention | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	770	0
30 - 59 Days Past Due | Performing (Accruing) Loans | Special mention | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
30 - 59 Days Past Due | Performing (Accruing) Loans | Special mention | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	19	0
30 - 59 Days Past Due | Performing (Accruing) Loans | Special mention | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		0
30 - 59 Days Past Due | Performing (Accruing) Loans | Substandard | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	910	526
30 - 59 Days Past Due | Performing (Accruing) Loans | Substandard | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	306	0
30 - 59 Days Past Due | Performing (Accruing) Loans | Substandard | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
30 - 59 Days Past Due | Performing (Accruing) Loans | Substandard | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	604	526
30 - 59 Days Past Due | Performing (Accruing) Loans | Substandard | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
30 - 59 Days Past Due | Performing (Accruing) Loans | Substandard | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		0
30 - 59 Days Past Due | Performing (Accruing) Loans | Substandard | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
30 - 59 Days Past Due | Non-accruing Loans | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
30 - 59 Days Past Due | Non-accruing Loans | Pass | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
30 - 59 Days Past Due | Non-accruing Loans | Pass | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
30 - 59 Days Past Due | Non-accruing Loans | Substandard | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
30 - 59 Days Past Due | Non-accruing Loans | Substandard | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
30 - 59 Days Past Due | Non-accruing Loans | Substandard | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
30 - 59 Days Past Due | Non-accruing Loans | Substandard | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
30 - 59 Days Past Due | Non-accruing Loans | Substandard | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		0
30 - 59 Days Past Due | Non-accruing Loans | Substandard | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
60 - 89 Days Past Due | Performing (Accruing) Loans | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1,969	1,604
60 - 89 Days Past Due | Performing (Accruing) Loans | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	231
60 - 89 Days Past Due | Performing (Accruing) Loans | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
60 - 89 Days Past Due | Performing (Accruing) Loans | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1,461	358
60 - 89 Days Past Due | Performing (Accruing) Loans | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	508	1,015
60 - 89 Days Past Due | Performing (Accruing) Loans | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
60 - 89 Days Past Due | Performing (Accruing) Loans | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
60 - 89 Days Past Due | Performing (Accruing) Loans | Pass | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1,619	1,256
60 - 89 Days Past Due | Performing (Accruing) Loans | Pass | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	231
60 - 89 Days Past Due | Performing (Accruing) Loans | Pass | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
60 - 89 Days Past Due | Performing (Accruing) Loans | Pass | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1,111	10
60 - 89 Days Past Due | Performing (Accruing) Loans | Pass | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	508	1,015
60 - 89 Days Past Due | Performing (Accruing) Loans | Pass | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
60 - 89 Days Past Due | Performing (Accruing) Loans | Special mention | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	348
60 - 89 Days Past Due | Performing (Accruing) Loans | Special mention | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
60 - 89 Days Past Due | Performing (Accruing) Loans | Special mention | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
60 - 89 Days Past Due | Performing (Accruing) Loans | Special mention | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	348
60 - 89 Days Past Due | Performing (Accruing) Loans | Special mention | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		0
60 - 89 Days Past Due | Performing (Accruing) Loans | Substandard | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	350	0
60 - 89 Days Past Due | Performing (Accruing) Loans | Substandard | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
60 - 89 Days Past Due | Performing (Accruing) Loans | Substandard | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
60 - 89 Days Past Due | Performing (Accruing) Loans | Substandard | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	350	0
60 - 89 Days Past Due | Performing (Accruing) Loans | Substandard | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
60 - 89 Days Past Due | Performing (Accruing) Loans | Substandard | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		0
60 - 89 Days Past Due | Performing (Accruing) Loans | Substandard | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
60 - 89 Days Past Due | Non-accruing Loans | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	5	1,157
60 - 89 Days Past Due | Non-accruing Loans | Pass | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
60 - 89 Days Past Due | Non-accruing Loans | Pass | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
60 - 89 Days Past Due | Non-accruing Loans | Substandard | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	770
60 - 89 Days Past Due | Non-accruing Loans | Substandard | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
60 - 89 Days Past Due | Non-accruing Loans | Substandard | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	4	371
60 - 89 Days Past Due | Non-accruing Loans | Substandard | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1	16
60 - 89 Days Past Due | Non-accruing Loans | Substandard | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		0
60 - 89 Days Past Due | Non-accruing Loans | Substandard | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	3,979	341
90 Days or Greater Past Due | Performing (Accruing) Loans | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	3,979	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	341
90 Days or Greater Past Due | Performing (Accruing) Loans | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Pass | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	341
90 Days or Greater Past Due | Performing (Accruing) Loans | Pass | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Pass | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Pass | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Pass | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	341
90 Days or Greater Past Due | Performing (Accruing) Loans | Pass | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Special mention | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Special mention | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Special mention | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Special mention | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Special mention | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		0
90 Days or Greater Past Due | Performing (Accruing) Loans | Substandard | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	3,979	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Substandard | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	3,979	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Substandard | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Substandard | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Substandard | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
90 Days or Greater Past Due | Performing (Accruing) Loans | Substandard | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		0
90 Days or Greater Past Due | Performing (Accruing) Loans | Substandard | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
90 Days or Greater Past Due | Non-accruing Loans | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	26,774	5,544
90 Days or Greater Past Due | Non-accruing Loans | Pass | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	3,185	1,629
90 Days or Greater Past Due | Non-accruing Loans | Pass | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	2,660	2,054
90 Days or Greater Past Due | Non-accruing Loans | Substandard | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	16,055	439
90 Days or Greater Past Due | Non-accruing Loans | Substandard | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	131
90 Days or Greater Past Due | Non-accruing Loans | Substandard | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	991	535
90 Days or Greater Past Due | Non-accruing Loans | Substandard | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1,395	887
90 Days or Greater Past Due | Non-accruing Loans | Substandard | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		0
90 Days or Greater Past Due | Non-accruing Loans | Substandard | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	2,357
Current | Performing (Accruing) Loans | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	710,493	822,801
Current | Performing (Accruing) Loans | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	418,660	456,813
Current | Performing (Accruing) Loans | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	94,448	105,344
Current | Performing (Accruing) Loans | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	127,852	158,340
Current | Performing (Accruing) Loans | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	65,704	96,028
Current | Performing (Accruing) Loans | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	3,829	3,812
Current | Performing (Accruing) Loans | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	2,464
Current | Performing (Accruing) Loans | Pass | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	683,238	811,226
Current | Performing (Accruing) Loans | Pass | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	401,524	448,707
Current | Performing (Accruing) Loans | Pass | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	91,997	105,344
Current | Performing (Accruing) Loans | Pass | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	120,184	157,335
Current | Performing (Accruing) Loans | Pass | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	65,704	96,028
Current | Performing (Accruing) Loans | Pass | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	3,829	3,812
Current | Performing (Accruing) Loans | Special mention | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	17,391	9,104
Current | Performing (Accruing) Loans | Special mention | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	13,258	6,482
Current | Performing (Accruing) Loans | Special mention | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	2,451
Current | Performing (Accruing) Loans | Special mention | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	1,682	158
Current | Performing (Accruing) Loans | Special mention | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		2,464
Current | Performing (Accruing) Loans | Substandard | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	9,864	2,471
Current | Performing (Accruing) Loans | Substandard | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	3,878	1,624
Current | Performing (Accruing) Loans | Substandard | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
Current | Performing (Accruing) Loans | Substandard | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	5,986	847
Current | Performing (Accruing) Loans | Substandard | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
Current | Performing (Accruing) Loans | Substandard | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		0
Current | Performing (Accruing) Loans | Substandard | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
Current | Non-accruing Loans | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	9,757	11,426
Current | Non-accruing Loans | Pass | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	0
Current | Non-accruing Loans | Pass | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	448	929
Current | Non-accruing Loans | Substandard | Commercial Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	9,015	9,937
Current | Non-accruing Loans | Substandard | Residential Real Estate | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0
Current | Non-accruing Loans | Substandard | Commercial and Industrial | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	294	32
Current | Non-accruing Loans | Substandard | Consumer and Other | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	0	74
Current | Non-accruing Loans | Substandard | Construction | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross		$ 454
Current | Non-accruing Loans | Substandard | Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Past Due [Line Items]
Loans receivable, gross	$ 0

Loans Receivable and Allowanc_9

Loans Receivable and Allowance for Credit Losses - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Financing Receivable, Impaired [Line Items]
With no related allowance recorded: average recorded investment	$ 10,759	$ 4,175	$ 10,053	$ 4,969
With no related allowance recorded: interest income recognized	125	97	236	212
With a related allowance recorded: average recorded investment	24,627	15,827	25,018	19,175
With a related allowance recorded: interest income recognized	59	55	274	184
Impaired loans, average recorded investment	35,386	20,002	35,071	24,144
Impaired loans, interest income recognized	184	152	510	396
Business Activities Loans
Financing Receivable, Impaired [Line Items]
With no related allowance recorded: recorded investment	10,543		10,543		$ 5,558
With no related allowance recorded: principal outstanding	12,406		12,406		9,239
With a related allowance recorded: recorded investment	24,446		24,446		11,575
With a related allowance recorded: principal outstanding	25,367		25,367		13,296
Related Allowance	7,010		7,010		4,205
Recorded Investment	34,989		34,989		17,133
Principal Outstanding	37,773		37,773		22,535
Commercial Real Estate
Financing Receivable, Impaired [Line Items]
With no related allowance recorded: average recorded investment	3,923	384	3,922	591
With no related allowance recorded: interest income recognized	0	0	0	0
With a related allowance recorded: average recorded investment	24,627	10,405	25,018	13,833
With a related allowance recorded: interest income recognized	59	0	274	15
Impaired loans, average recorded investment	28,550	10,789	28,940	14,424
Impaired loans, interest income recognized	59	0	274	15
Commercial Real Estate | Business Activities Loans
Financing Receivable, Impaired [Line Items]
With no related allowance recorded: recorded investment	3,808		3,808		2,838
With no related allowance recorded: principal outstanding	4,498		4,498		5,879
With a related allowance recorded: recorded investment	24,446		24,446		9,937
With a related allowance recorded: principal outstanding	25,367		25,367		10,137
Related Allowance	7,010		7,010		3,813
Recorded Investment	28,254		28,254		12,775
Principal Outstanding	29,865		29,865		16,016
Residential Real Estate
Financing Receivable, Impaired [Line Items]
With no related allowance recorded: average recorded investment	0	183	0	694
With no related allowance recorded: interest income recognized	0	0	0	0
With a related allowance recorded: average recorded investment	0	1,352	0	1,514
With a related allowance recorded: interest income recognized	0	0	0	0
Impaired loans, average recorded investment	0	1,535	0	2,208
Impaired loans, interest income recognized	0	0	0	0
Commercial and Industrial
Financing Receivable, Impaired [Line Items]
With no related allowance recorded: average recorded investment	4,479	3,246	3,720	2,639
With no related allowance recorded: interest income recognized	125	97	236	212
With a related allowance recorded: average recorded investment	0	4,052	0	3,821
With a related allowance recorded: interest income recognized	0	55	0	169
Impaired loans, average recorded investment	4,479	7,298	3,720	6,460
Impaired loans, interest income recognized	125	152	236	381
Commercial and Industrial | Business Activities Loans
Financing Receivable, Impaired [Line Items]
With no related allowance recorded: recorded investment	4,378		4,378		2,266
With no related allowance recorded: principal outstanding	5,432		5,432		2,899
With a related allowance recorded: recorded investment	0		0		1,638
With a related allowance recorded: principal outstanding	0		0		3,159
Related Allowance	0		0		392
Recorded Investment	4,378		4,378		3,904
Principal Outstanding	5,432		5,432		6,058
Consumer and Other
Financing Receivable, Impaired [Line Items]
With no related allowance recorded: average recorded investment	0	0	0	205
With no related allowance recorded: interest income recognized	0	0	0	0
With a related allowance recorded: average recorded investment	0	18	0	7
With a related allowance recorded: interest income recognized	0	0	0	0
Impaired loans, average recorded investment	0	18	0	212
Impaired loans, interest income recognized	0	0	0	0
Construction
Financing Receivable, Impaired [Line Items]
With no related allowance recorded: average recorded investment	0	362	0	840
With no related allowance recorded: interest income recognized	0	0	0	0
Impaired loans, average recorded investment	0	362	0	840
Impaired loans, interest income recognized	0	0	0	0
Construction | Business Activities Loans
Financing Receivable, Impaired [Line Items]
With no related allowance recorded: recorded investment	0		0		454
With no related allowance recorded: principal outstanding	0		0		461
Related Allowance	0		0		0
Recorded Investment	0		0		454
Principal Outstanding	0		0		461
Construction to Permanent - CRE
Financing Receivable, Impaired [Line Items]
With no related allowance recorded: average recorded investment	2,357	0	2,411	0
With no related allowance recorded: interest income recognized	0	0	0	0
Impaired loans, average recorded investment	2,357	0	2,411	0
Impaired loans, interest income recognized	0	$ 0	0	$ 0
Construction to Permanent - CRE | Business Activities Loans
Financing Receivable, Impaired [Line Items]
With no related allowance recorded: recorded investment	2,357		2,357		0
With no related allowance recorded: principal outstanding	2,476		2,476		0
Related Allowance	0		0		0
Recorded Investment	2,357		2,357		0
Principal Outstanding	$ 2,476		$ 2,476		$ 0

Loans Held for Sale - Narrative

Loans Held for Sale - Narrative (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Transfers of loans receivable to loans held for sale			$ 4,339,000	$ 0
Loans serviced, but owned by third party	$ 46,000,000		46,000,000		$ 47,500,000
Servicing asset	791,000		791,000		857,000
Servicing asset at fair value	848,000		848,000		932,000
Credit Card Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-sale	10,200,000		10,200,000		10,800,000
SBA Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-sale	0		0		9,900,000
Transfers of loans receivable to loans held for sale	5,500,000	$ 0	5,500,000	$ 0
Commercial and Industrial | SBA Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-sale	0		0		3,500,000
Commercial Real Estate | SBA Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-sale					$ 6,400,000
Residential Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-sale	3,500,000		3,500,000
Gain on sale of Loans held for sale	10,000		24,000
Servicing asset recognized	$ 8,000		$ 8,000

Loans Held for Sale - Analysis

Loans Held for Sale - Analysis of the Activity in the SBA Servicing Assets (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Beginning balance	$ 790	$ 882	$ 857	$ 886
Servicing rights capitalized	38	27	111	85
Servicing rights amortized	(15)	(23)	(49)	(45)
Servicing rights disposed	(22)	(7)	(128)	(47)
Ending balance	$ 791	$ 879	$ 791	$ 879

Deposits - Summary of Deposits

Deposits - Summary of Deposits (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Deposits [Abstract]
Non-interest bearing	$ 91,583	$ 110,056
Interest bearing:
Negotiable order of withdrawal accounts	27,984	33,035
Savings deposits	38,824	44,104
Interest bearing DDA	183,132	171,577
Money market	178,479	200,280
Certificates of deposit, $250,000 or less	167,788	175,988
Certificates of deposit, more than $250,000	65,022	64,745
Brokered deposits	72,077	40,526
Interest bearing, Total	733,306	730,255
Total Deposits	$ 824,889	$ 840,311

Deposits - Narrative (Details)

Deposits - Narrative (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Deposits [Abstract]
Digit payment deposits	$ 235.1	$ 213.4

Deposits - Contractual Maturiti

Deposits - Contractual Maturities of Certificates of Deposit (Details) $ in Thousands	Sep. 30, 2024 USD ($)
Deposit Liability [Line Items]
1 year or less	$ 213,529
More than 1 year through 2 years	79,457
More than 2 years through 3 years	11,629
More than 3 years through 4 years	69
More than 4 years through 5 years	203
Contractual maturities of certificates of deposit	304,887
Certificates of Deposit $250,000 or less
Deposit Liability [Line Items]
1 year or less	143,289
More than 1 year through 2 years	20,292
More than 2 years through 3 years	3,935
More than 3 years through 4 years	69
More than 4 years through 5 years	203
Contractual maturities of certificates of deposit	167,788
Certificates of Deposit more than $250,000
Deposit Liability [Line Items]
1 year or less	52,906
More than 1 year through 2 years	9,464
More than 2 years through 3 years	2,652
More than 3 years through 4 years	0
More than 4 years through 5 years	0
Contractual maturities of certificates of deposit	65,022
Brokered Deposits
Deposit Liability [Line Items]
1 year or less	17,334
More than 1 year through 2 years	49,701
More than 2 years through 3 years	5,042
More than 3 years through 4 years	0
More than 4 years through 5 years	0
Contractual maturities of certificates of deposit	$ 72,077

Derivatives - Narrative (Detail

Derivatives - Narrative (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Gain (loss) on derivative instruments, net, pretax, total	$ 0	$ 0	$ 0	$ 0

Derivatives - Schedule of Deriv

Derivatives - Schedule of Derivative Instruments (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Interest rate swap receivable | Not Designated as Hedging Instrument
Derivative Instruments, Gain (Loss) [Line Items]
Derivative asset, notional amount	$ 1,300	$ 1,327
Derivative liability, notional amount	$ 1,300	$ 1,327
Maturity (Years)	4 years 9 months 18 days	5 years 6 months
Fixed Rate	4.38%	4.38%
Variable Rate	2%	2%
Derivative asset, fair value	$ 50	$ 74
Derivative liability, fair value	$ (50)	$ (74)

Share-based Compensation and _3

Share-based Compensation and Employee Benefit Plan - Narrative (Details) - USD ($)	3 Months Ended		9 Months Ended		57 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Nov. 10, 2022	Dec. 31, 2011
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Salaries and benefits	$ 4,710,000	$ 4,833,000	$ 13,489,000	$ 13,761,000
Payments of ordinary dividends, common stock					$ 0
Employer matching contribution, match			50%
Employer matching contribution, percent of employees' gross pay			6%
Defined contribution plan, cost	68,000	71,000	$ 236,000	228,000
Restricted Stock
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Cost not yet recognized, amount	$ 493,000		$ 493,000		$ 493,000
Cost not yet recognized, period for recognition			2 years 4 months 24 days
2012 Stock Plan
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Number of shares authorized (in shares)						400,000	3,000,000
Number of shares available for grant (in shares)	74,540		74,540		74,540
Share based compensation expense	$ 55,000	31,000	$ 120,000	77,000
2012 Stock Plan | Maximum
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Shares approved for issuance						$ 300,000
2012 Stock Plan | Share-Based Payment Arrangement, Employee
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Share based compensation expense	43,000	14,000	88,000	42,000
2012 Stock Plan | Share-Based Payment Arrangement, Nonemployee
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Share based compensation expense	12,000	16,000	32,000	34,000
Salaries and benefits	$ 56,000	$ 73,000	$ 184,000	$ 181,000
2012 Stock Plan | Restricted Stock | Share-Based Payment Arrangement, Tranche One
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Award vesting period			3 years
2012 Stock Plan | Restricted Stock | Share-Based Payment Arrangement, Tranche Two
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Award vesting period			4 years
2012 Stock Plan | Restricted Stock | Share-Based Payment Arrangement, Tranche Three
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Award vesting period			5 years

Share-based Compensation and _4

Share-based Compensation and Employee Benefit Plan - Restricted Shares (Details) - Restricted Stock - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Number of Shares Awarded
Unvested at beginning of year (in shares)	108,839	22,660	17,506	22,660
Granted (in shares)	53,125	4,761	144,458	4,761
Unvested at end of year (in shares)	161,964	27,421	161,964	27,421
Weighted Average Grant Date Fair Value
Unvested at beginning of year, weighted average grant date fair value (usd per share)	$ 4.16	$ 7.11	$ 6.09	$ 7.11
Granted, weighted average grant date fair value (usd per share)	1.60	9.04	2.98	9.04
Unvested at end of year, weighted average grant date fair value (usd per share)	$ 3.32	$ 7.45	$ 3.32	$ 7.45

Earnings per share (Details)

Earnings per share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Basis loss per share:
Net loss attributable to Common shareholders	$ (26,954)	$ (3,770)	$ (30,334)	$ (5,084)
Divided by:
Weighted average shares outstanding (in shares)	3,976,073	3,965,186	3,976,073	3,965,186
Basic loss per share of common stock (usd per share)	$ (6.78)	$ (0.95)	$ (7.63)	$ (1.28)
Diluted loss per share:
Net loss attributable to Common shareholders	$ (26,954)	$ (3,770)	$ (30,334)	$ (5,084)
Weighted average shares outstanding (in shares)	3,976,073	3,965,186	3,976,073	3,965,186
Effect of potentially dilutive restricted common shares (in shares)	0	0	0	0
Divided by:
Weighted average diluted shares outstanding (in shares)	3,976,073	3,965,186	3,976,073	3,965,186
Diluted loss per share of common stock (usd per share)	$ (6.78)	$ (0.95)	$ (7.63)	$ (1.28)
Restricted Stock
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive restricted shares of common stock (in shares)	91,697	1,651	44,296	3,009

Financial Instruments With Of_3

Financial Instruments With Off-balance Sheet Risk - Financial Instruments With Credit Risk (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Ceded Credit Risk [Line Items]
Commitments to extend credit	$ 96,620	$ 92,530
Unused lines of credit
Ceded Credit Risk [Line Items]
Commitments to extend credit	70,762	63,435
Undisbursed construction loans
Ceded Credit Risk [Line Items]
Commitments to extend credit	861	2,607
Home equity lines of credit
Ceded Credit Risk [Line Items]
Commitments to extend credit	$ 24,997	$ 26,488

Financial Instruments With Of_4

Financial Instruments With Off-balance Sheet Risk - Narrative (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Ceded Credit Risk [Line Items]
Banks reserve based on analysis in unfunded commitments	$ 177	$ 271
Standby Letters of Credit
Ceded Credit Risk [Line Items]
FHLB stand-by letter of credit	$ 45,000

Regulatory and Operational Ma_3

Regulatory and Operational Matters - Regulatory Capital Amounts and Ratios (Details) $ in Thousands	Sep. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Parent Company
Total Capital (to risk weighted assets):
Actual	$ 61,681	$ 89,727
For capital adequacy	$ 63,090	$ 71,788
Actual	0.0782	0.1000
For capital adequacy	0.0800	0.0800
Tier 1 Capital (to risk weighted assets):
Actual	$ 43,018	$ 73,282
For capital adequacy	$ 47,317	$ 53,841
Actual	0.0545	0.0817
For capital adequacy	0.0600	0.0600
Common Equity Tier 1 Capital (to risk weighted assets):
Actual	$ 35,018	$ 65,282
For capital adequacy	$ 35,488	$ 40,381
Actual	0.0444	0.0727
For capital adequacy	0.0450	0.0450
Tier 1 Leverage Capital (to average assets):
Actual	$ 43,018	$ 73,282
For capital adequacy	$ 39,516	$ 43,339
Actual	0.0435	0.0676
For capital adequacy	0.0400	0.0400
Subsidiaries
Total Capital (to risk weighted assets):
Actual	$ 73,206	$ 100,683
To be Well Capitalized	78,837	89,732
For capital adequacy with Capital Buffer	82,779	94,218
For capital adequacy	$ 63,070	$ 71,785
Actual	0.0929	0.1122
To be Well Capitalized	0.1000	0.1000
For capital adequacy with Capital Buffer	0.1050	0.1050
For capital adequacy	0.0800	0.0800
Tier 1 Capital (to risk weighted assets):
Actual	$ 64,543	$ 94,238
To be Well Capitalized	63,070	71,785
For capital adequacy with Capital Buffer	67,012	76,272
For capital adequacy	$ 47,302	$ 53,839
Actual	0.0819	0.1050
To be Well Capitalized	0.0800	0.0800
For capital adequacy with Capital Buffer	0.0850	0.0850
For capital adequacy	0.0600	0.0600
Common Equity Tier 1 Capital (to risk weighted assets):
Actual	$ 64,543	$ 94,238
To be Well Capitalized	51,244	58,325
For capital adequacy with Capital Buffer	55,186	62,812
For capital adequacy	$ 35,477	$ 40,379
Actual	0.0819	0.1050
To be Well Capitalized	0.0650	0.0650
For capital adequacy with Capital Buffer	0.0700	0.0700
For capital adequacy	0.0450	0.0450
Tier 1 Leverage Capital (to average assets):
Actual	$ 64,543	$ 94,238
To be Well Capitalized	49,383	54,170
For capital adequacy	$ 39,506	$ 43,336
Actual	0.0653	0.0870
To be Well Capitalized	0.0500	0.0500
For capital adequacy	0.0400	0.0400

Regulatory and Operational Ma_4

Regulatory and Operational Matters - Narrative (Details) - Subsidiaries $ in Thousands	Sep. 30, 2024 USD ($)	Apr. 17, 2024	Dec. 31, 2023 USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common equity tier 1 capital ratio, actual	0.0819		0.1050
Tier 1 capital ratio, actual	0.0819		0.1050
Tier 1 leverage capital ratio, actual	0.0653		0.0870
Total risk-based capital ratio, actual	0.0929		0.1122
Common equity tier 1 capital , actual	$ 64,543		$ 94,238
Tier 1 capital , actual	64,543		94,238
Tier 1 leverage capital actual	64,543		94,238
Total risk-based capital, actual	$ 73,206		$ 100,683
Mandated Ratio
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common equity tier 1 capital ratio, actual		0.1000
Tier 1 capital ratio, actual		0.1000
Tier 1 leverage capital ratio, actual		0.0900
Total risk-based capital ratio, actual		0.1150

Fair Value and Interest Rate _3

Fair Value and Interest Rate Risk - Narrative (Details)	Sep. 30, 2024 bond $ / shares	Dec. 31, 2023 bond
Fair Value Disclosures [Abstract]
Stock value par value (usd per share) | $ / shares	$ 100
Number of Level 3 instruments | bond	4	4

Fair Value and Interest Rate _4

Fair Value and Interest Rate Risk - Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	$ 89,578	$ 89,187
SBA servicing assets	848	932
Carrying Amount
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets, total	936,343	1,031,159
Financial liabilities, total	949,342	1,042,725
Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets, total	915,108	1,011,946
Financial liabilities, total	947,577	1,040,638
Level 1 | Carrying Amount
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Restricted cash	41	14,019
Level 1 | Carrying Amount | Brokered Deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Deposits	72,077	40,526
Level 1 | Carrying Amount | Cash and noninterest bearing balances due from banks
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	2,718	2,195
Level 1 | Carrying Amount | Interest-bearing deposits due from banks
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	70,013	50,322
Level 1 | Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Restricted cash	41	14,019
Level 1 | Estimated Fair Value | Brokered Deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Deposits	70,995	40,453
Level 1 | Estimated Fair Value | Cash and noninterest bearing balances due from banks
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	2,718	2,195
Level 1 | Estimated Fair Value | Interest-bearing deposits due from banks
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	70,013	50,322
Level 2 | Carrying Amount
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	78,437	78,925
Other investments	4,450	4,450
Federal Reserve Bank stock	2,109	2,090
Federal Home Loan Bank stock	3,473	4,202
Loans held for sale	13,658	20,767
Other real estate owned	2,843	2,843
Accrued interest receivable	5,932	7,219
FHLB, FRB and correspondent bank borrowings	93,800	171,000
Senior notes	11,827	11,723
Subordinated debt	9,891	9,869
Junior subordinated debt owed to unconsolidated trust	8,144	8,137
Accrued interest payable	525	1,235
Interest rate swap liability	50	74
Level 2 | Carrying Amount | Demand deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Deposits	91,583	110,056
Level 2 | Carrying Amount | Negotiable order of withdrawal accounts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Deposits	27,984	33,035
Level 2 | Carrying Amount | Savings deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Deposits	38,824	44,104
Level 2 | Carrying Amount | Interest bearing DDA
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Deposits	183,132	171,577
Level 2 | Carrying Amount | Money market deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Deposits	178,479	200,280
Level 2 | Carrying Amount | Time deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Deposits	232,810	240,733
Level 2 | Carrying Amount | Interest rate swap receivable
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Interest rate swap receivable	50	74
Level 2 | Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	78,437	78,925
Other investments	4,450	4,450
Federal Reserve Bank stock	2,109	2,090
Federal Home Loan Bank stock	3,473	4,202
Loans held for sale	13,658	21,557
Other real estate owned	2,843	2,843
Accrued interest receivable	5,932	7,219
FHLB, FRB and correspondent bank borrowings	93,800	170,171
Senior notes	11,669	11,397
Subordinated debt	9,888	10,102
Junior subordinated debt owed to unconsolidated trust	8,144	8,137
Accrued interest payable	525	1,235
Interest rate swap liability	50	74
Level 2 | Estimated Fair Value | Demand deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Deposits	91,583	110,056
Level 2 | Estimated Fair Value | Negotiable order of withdrawal accounts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Deposits	27,984	33,035
Level 2 | Estimated Fair Value | Savings deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Deposits	38,824	44,104
Level 2 | Estimated Fair Value | Interest bearing DDA
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Deposits	183,132	171,577
Level 2 | Estimated Fair Value | Money market deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Deposits	178,479	200,280
Level 2 | Estimated Fair Value | Time deposits
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Deposits	232,294	239,655
Level 2 | Estimated Fair Value | Interest rate swap receivable
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Interest rate swap receivable	50	74
Level 3 | Carrying Amount
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	11,141	10,262
Loans receivable, net	740,687	832,934
SBA servicing assets	791	857
Note payable	216	376
Level 3 | Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	11,141	10,262
Loans receivable, net	719,395	812,856
SBA servicing assets	848	932
Note payable	$ 210	$ 362

Fair Value and Interest Rate _5

Fair Value and Interest Rate Risk - Financial Assets Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	$ 89,578	$ 89,187
U. S. Government agency and mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	66,289	65,671
Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	14,705	13,766
Subordinated notes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	4,399	4,227
SBA loan pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	3,698	5,037
Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	487	486
Fair Value, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	89,578	89,187
Interest rate swap liability	50	74
Fair Value, Recurring | Interest rate swap receivable
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Interest rate swap receivable	50	74
Fair Value, Recurring | U. S. Government agency and mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	66,289	65,671
Fair Value, Recurring | Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	14,705	13,766
Fair Value, Recurring | Subordinated notes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	4,399	4,227
Fair Value, Recurring | SBA loan pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	3,698	5,037
Fair Value, Recurring | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	487	486
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
Interest rate swap liability	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring | Interest rate swap receivable
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Interest rate swap receivable	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring | U. S. Government agency and mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring | Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring | Subordinated notes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring | SBA loan pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
Significant Observable Inputs (Level 2) | Fair Value, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	78,437	78,925
Interest rate swap liability	50	74
Significant Observable Inputs (Level 2) | Fair Value, Recurring | Interest rate swap receivable
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Interest rate swap receivable	50	74
Significant Observable Inputs (Level 2) | Fair Value, Recurring | U. S. Government agency and mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	66,289	65,671
Significant Observable Inputs (Level 2) | Fair Value, Recurring | Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	3,564	3,504
Significant Observable Inputs (Level 2) | Fair Value, Recurring | Subordinated notes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	4,399	4,227
Significant Observable Inputs (Level 2) | Fair Value, Recurring | SBA loan pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	3,698	5,037
Significant Observable Inputs (Level 2) | Fair Value, Recurring | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	487	486
Significant Unobservable Inputs (Level 3) | Fair Value, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	11,141	10,262
Interest rate swap liability	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Recurring | Interest rate swap receivable
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Interest rate swap receivable	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Recurring | U. S. Government agency and mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Recurring | Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	11,141	10,262
Significant Unobservable Inputs (Level 3) | Fair Value, Recurring | Subordinated notes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Recurring | SBA loan pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Recurring | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	$ 0	$ 0

Fair Value and Interest Rate _6

Fair Value and Interest Rate Risk - Reconciliation of Level 3 Available-for-sale Securities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Level 3 fair value, beginning of year	$ 10,365	$ 9,882	$ 10,262	$ 9,427
Purchases	0	0	0	0
Realized gain (loss)	0	0	0	0
Unrealized (loss) gain	776	(11)	879	444
Transfers in and /or out of Level 3	0	0	0	0
Level 3 fair value, end of year	$ 11,141	$ 9,871	$ 11,141	$ 9,871
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Asset, Gain (Loss), Statement of Other Comprehensive Income or Comprehensive Income [Extensible Enumeration]	Unrealized holding gain (loss) on securities	Unrealized holding gain (loss) on securities	Unrealized holding gain (loss) on securities	Unrealized holding gain (loss) on securities

Fair Value and Interest Rate _7

Fair Value and Interest Rate Risk - Quantitative Information About Level 3 Fair Value Measurements (Details) $ in Thousands	Sep. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
SBA servicing assets	$ 791	$ 857
Fair Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Individually evaluated loans, net	27,979	12,928
SBA servicing assets	$ 848	$ 932
Fair Value | Real Estate Appraisals | Minimum | Range of Inputs
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Individually evaluated loans, net	0.058	0.058
Fair Value | Real Estate Appraisals | Maximum | Range of Inputs
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Individually evaluated loans, net	0.20	0.20
Fair Value | Discounted Cash Flows | Minimum | Range of Inputs
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
SBA servicing assets	0.1473	0.1473
Fair Value | Discounted Cash Flows | Maximum | Range of Inputs
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
SBA servicing assets	0.1490	0.1490