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Mortgage Loan Servicing, Origination, and Loans Held for Sale (Tables)

3 Months Ended

Mar. 31, 2026

Mortgage Loan Servicing, Origination, and Loans Held for Sale

Summary of changes in the fair value of MSRs and its offsetting hedge

​

​	​	​	​	​	​	​
​	​	Three Months Ended
(Dollars in thousands)	​ ​ ​	March 31, 2026		​ ​ ​	March 31, 2025
Increase/(decrease) in fair value of MSRs	​	$	6,563	​	$	(3,081)
Decay of MSRs	​		(2,205)	​		(1,028)
(Loss) gain related to derivatives	​	​	(1,726)	​	​	2,340
Net effect on Consolidated Statements of Income	​	$	2,632	​	$	(1,769)

Schedule of characteristics and sensitivity analysis of the MSR

The characteristics and sensitivity analysis of the MSRs are included in the following table.

​	​	​	​	​	​	​	​	​	​
​	​	March 31,		​	​	December 31,		​	​
(Dollars in thousands)	​ ​ ​	2026		​ ​	​ ​ ​	2025		​ ​	​ ​
Composition of residential loans serviced for others	​	​	​	​	​	​	​	​	​
Fixed-rate mortgage loans	​	​	100.0	%	​	​	100.0	%	​
Adjustable-rate mortgage loans	​	​	—	%	​	​	—	%	​
Total	​	​	100.0	%	​	​	100.0	%	​
Weighted average life	​	​	7.5	years	​	​	7.5	years	​
Constant Prepayment rate (CPR)	​	​	7.9	%	​	​	7.9	%	​
Estimated impact on fair value of a 10% increase	​	$	(1,210)	​	​	$	(1,082)	​	​
Estimated impact on fair value of a 20% increase	​	​	(2,469)	​	​	​	(2,101)	​	​
Estimated impact on fair value of a 10% decrease	​	​	1,292	​	​	​	1,142	​	​
Estimated impact on fair value of a 20% decrease	​	​	2,670	​	​	​	2,333	​	​
Weighted average discount rate	​	​	9.5	%	​	​	10.7	%	​
Estimated impact on fair value of a 10% increase	​	$	(3,695)	​	​	$	(3,140)	​	​
Estimated impact on fair value of a 20% increase	​	​	(7,098)	​	​	​	(6,208)	​	​
Estimated impact on fair value of a 10% decrease	​	​	4,021	​	​	​	3,105	​	​
Estimated impact on fair value of a 20% decrease	​	​	8,411	​	​	​	5,982	​	​
Effect on fair value due to change in interest rates	​	​	​	​	​	​	​	​	​
25 basis point increase	​	$	3,265	​	​	$	2,505	​	​
50 basis point increase	​	​	6,509	​	​	​	4,822	​	​
25 basis point decrease	​	​	(3,219)	​	​	​	(2,599)	​	​
50 basis point decrease	​	​	(6,312)	​	​	​	(5,128)	​	​

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Tabular disclosure of changes in the fair value of Mortgage Servicing Rights (MSRs) and its offsetting hedge.

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- Definition

Tabular disclosure related to composition of residential mortgages serviced for others, characteristics and sensitivity analysis of the mortgage servicing rights.

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