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  "notes": "Includes a footnote regarding the definition of Adjusted Total Loans.",
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      "text": "NPAs increased $45.9 million primarily due to four additional loans, under one relationship, moving to non-accrual during 3Q23\nCollateral values in excess of 120% of total loan balances based on recent valuations\n$0.3 million provision for credit losses\nACL/Adjusted Total Loans(1) increased to 0.92% in 3Q23 from 0.89% in 2Q23\nContinue to experience immaterial amount of credit losses",
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