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Pay vs Performance Disclosure - USD ($) | 12 Months Ended
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Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020
Pay vs Performance Disclosure |  |  |  |  |
Pay vs Performance Disclosure, Table | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | Average | ​ | Value of Initial Fixed $100 Investment Based On: | ​ | ​
​ | ​ | ​ | Summary | Average |  | ​ | ​ | Company
​ | Summary | ​ | Compensation | Compensation | ​ | Peer Group | ​ | Gross
​ | Compensation | Compensation | Table Total for | Actually Paid | Total | Total | ​ | Operating
​ | Table Total for | Actually Paid | Non-PEO | to Non-PEO | Shareholder | Shareholder | Net Income | Profit
​ | PEO¹ | to PEO² | NEOs³ | NEOs⁴ | Return⁵ | Return⁶ | (thousands)⁷ | (thousands)⁸
Year | ($) | ($) | ($) | ($) | ($) | ($) | ($) | ($)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
2024 | 907,530 | 907,530 | 1,030,800 | 1,418,478 | 173.98 | 132.60 | 101,371 | 127,703
2023 | 736,387 | 736,387 | 908,421 | 1,463,757 | 133.55 | 96.65 | 90,374 | 113,213
2022 | 804,352 | 804,352 | 1,046,354 | 530,140 | 98.86 | 100.39 | 91,106 | 116,845
2021 | 664,050 | 664,050 | 975,474 | 1,330,208 | 117.82 | 126.45 | 87,611 | 111,442
2020 | 641,217 | 641,217 | 761,975 | 717,809 | 80.82 | 90.69 | 83,246 | 102,633
1 This column represents the amount of total compensation reported for Steven E. Trager, the Chair/CEO, for each corresponding year in the “Total” column of the “Summary Compensation Table” of this Proxy Statement. 2 This column represents the amount of “compensation actually paid” to the Chair/CEO, as computed in accordance with Item 402(v). The amounts do not reflect the actual amount of compensation earned by or paid to the Chair/CEO during the applicable year. In accordance with the requirements of Item 402(v), no adjustments were made to the Chair/CEO’s total compensation for 2024 to determine the compensation actually paid because the Chair/CEO did not hold equity awards at any time during 2024 or participate in a defined benefit or actuarial pension plan. 3 This column represents the average of the amounts reported for the NEOs as a group (excluding the Chair/CEO) in the “Total” column of the Summary Compensation Table in each applicable year. Please refer to the “Summary Compensation Table” section of our Proxy Statements for the applicable year. The names and titles of each of the NEOs (excluding the Chair/CEO) included for purposes of calculating the average amounts in each applicable year are as follows: (i) for 2024, Logan M. Pichel, CEO/Bank, Kevin D. Sipes, CFO, William R. Nelson, Pres/RPG, and, Jeffrey A. Starke, CIOO; (ii) for 2023, Logan M. Pichel, CEO/Bank, Kevin D. Sipes, CFO, William R. Nelson, Pres/RPG, and, Jeffrey A. Starke, CIOO; (iii) for 2022, Logan M. Pichel, CEO/Bank, Kevin D. Sipes, CFO, William R. Nelson, Pres/RPG, and, John T. Rippy, Chief Risk Officer; (iv) for 2021, Logan M. Pichel, CEO/Bank, Kevin D. Sipes, CFO, William R. Nelson, Pres/RPG, and Juan M. Montano, the Chief Mortgage Banking Officer (the “CMBO”); and (v) for 2020, Logan M. Pichel, CEO/Bank, Kevin D. Sipes, CFO, William R. Nelson, Pres/RPG, and Juan M. Montano, CMBO. 4 This column represents the average amount of “compensation actually paid” to the NEOs as a group (excluding the Chair/CEO), as computed in accordance with Item 402(v). The dollar amounts do not reflect the actual average amount of compensation earned by or paid to the NEOs as a group (excluding the Chair/CEO) during the applicable year. In accordance with the requirements of Item 402(v), the following adjustments were made to average total compensation for the NEOs as a group (excluding the Chair/CEO) for the Subject Year to determine the compensation actually paid: ​
​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​
​ | ​ | Average | ​ | ​
​ | ​ | Reported Value | Average | ​
​ | Average Reported | of Equity Awards | Non-PEO NEO Adjusted | ​
​ | Summary | from Summary | Value of | ​
​ | Compensation | Compensation | Equity Awards | Average Compensation
​ | Table Total for Non-PEO NEOs (a) | Table for Non-PEO NEOs (b) | (c) | Actually Paid to Non-PEO NEOs
Year | ($) | ($) | ($) | ($)
​ | ​ | ​ | ​ | ​
2024 | 1,030,800 | (278,442) | 666,120 | 1,418,478
| (a) | This column reflects the average of the amounts reported for the NEOs as a group (excluding the Chair/CEO) in the “Total” column of the Summary Compensation Table in fiscal year 2024. Please refer to the “Summary Compensation Table” section of this Proxy Statement.
| (b) | This column represents the average of the total amounts reported for the NEOs as a group (excluding the Chair/CEO) in the “Stock Awards” and “Option Awards” columns for fiscal year 2024 in the Summary Compensation Table. Please refer to the “Summary Compensation Table” section of this Proxy Statement for the applicable year.
| (c) | This column represents an adjustment to the average of the amounts reported for the NEOs as a group (excluding the Chair/CEO) in the “Stock Awards” and “Option Awards” columns in the Summary Compensation Table in 2024.
For 2024, the adjusted amount replaces the “Stock Awards” and “Option Awards” columns in the Summary Compensation Table for each NEO (excluding the Chair/CEO) to arrive at “compensation actually paid” to each NEO (excluding the Chair/CEO) for fiscal year 2024, which is then averaged to determine the average “compensation actually paid” to the NEOs (excluding the Chair/CEO) for 2024. This adjusted amount is determined by subtracting the amounts reported in the “Stock Awards” and “Option Awards” columns in the Summary Compensation Table for the Subject Year and the addition (or subtraction, as applicable) of the following for that Subject Year: (i) the year-end fair value of any equity awards granted in the Subject Year that are outstanding and unvested as of the end of the Subject Year; (ii) the amount of change as of the end of the Subject Year (from the end of the prior fiscal year) in the fair value of any awards granted in prior years that are outstanding and unvested as of the end of the Subject Year; (iii) for awards that are granted and vest in the Subject Year, the fair value as of the vesting date; (iv) for awards granted in prior years that vest in the Subject Year, the amount equal to the change as of the vesting date (from the end of the prior fiscal year) in the fair value; (v) for awards granted in prior years that are determined to fail to meet the applicable vesting conditions during the Subject Year, a deduction for the amount equal to the fair value at the end of the prior fiscal year; and (vi) the dollar value of any dividends or other earnings paid on stock or option awards in the Subject Year prior to the vesting date that are not otherwise reflected in the fair value of such award or included in any other component of total compensation for the Subject Year. The fair value or change in fair value, as applicable, of stock awards and option awards was determined by reference to (x) for RSU awards, the closing price of our common stock on the applicable measurement date and (y) for PSU awards, the closing price of our common stock on the applicable measurement date multiplied by the probability of achievement as of such date. For stock options, the fair value or change in fair value, as applicable, was determined using a Black-Scholes valuation model. The model references the closing stock price, in addition to the stock option’s strike price, expected life, volatility, expected dividend yield, and risk-free rate as of the measurement date. The amounts added or subtracted to determine the adjusted average amount for 2024 are as follows:
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | Average Value of | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | Dividends or | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | other | ​
​ | ​ | ​ | Average Year | ​ | ​ | ​ | Earnings Paid | ​
​ | ​ | ​ | Over Year | ​ | ​ | Average | on Stock or | ​
​ | ​ | ​ | Change | Average | ​ | Fair Value | Option Awards | ​
​ | ​ | ​ | in Fair Value | Fair Value | ​ | at the End | not Otherwise | ​
​ | ​ | ​ | of | as of | Change in | of the Prior | Reflected in | ​
​ | ​ | ​ | Outstanding | Vesting | Fair Value | Fiscal Year of | Fair Value or | ​
​ | ​ | ​ | and | Date of | of Equity | Equity Awards | Total | ​
​ | Average | Average | Unvested | Equity | Awards | Granted in | Compensation | ​
​ | Reported Value | Fair Value | Equity | Awards | Granted | Prior Fiscal Year | in the | ​
​ | of Equity Awards | of Equity | Awards at | Granted | in Prior | that Failed to | Summary | Adjusted
​ | from Summary | Awards at FYE | FYE Granted | and | Years that | Meet Vesting | Compensation | Average Value of
​ | Compensation | Granted in | in Prior | Vested in | Vested in | Conditions | Table for the | Equity
​ | Table | the Year | Years | the Year | the Year | in the Year | Year | Awards
Year | ($) | ($) | ($) | ($) | ($) | ($) | ($) | ($)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
2024 | 278,442 | 363,793 | 178,775 | - | 112,904 | - | 10,648 | 666,120
​ 5 Company total shareholder return (“TSR”) is calculated by dividing the sum of the cumulative amount of dividends for each measurement period (2020, 2020-2021, 2020-2022, 2020-2023, and 2020-2024), assuming dividend reinvestment, and the difference between the Company’s share price at the end and the beginning of the measurement period by the Company’s share price at the beginning of the measurement period. 6 This column represents cumulative peer group TSR, weighted according to the respective companies’ stock market capitalization at the beginning of each period for which a return is indicated, and otherwise computed in accordance with Note 5. The peer group used for this purpose is the KBW NASDAQ Bank Index, a published industry index. 7 This column represents the amount of net income reflected in the Company’s audited financial statements for the applicable year. 8 This column represents the amount of Company gross operating profit (pre-tax net income) reflected in the Company’s audited financial statements for the applicable year. ​ |  |  |  |
Company Selected Measure Name | gross operating profit |  |  |  |
Named Executive Officers, Footnote | 3 This column represents the average of the amounts reported for the NEOs as a group (excluding the Chair/CEO) in the “Total” column of the Summary Compensation Table in each applicable year. Please refer to the “Summary Compensation Table” section of our Proxy Statements for the applicable year. The names and titles of each of the NEOs (excluding the Chair/CEO) included for purposes of calculating the average amounts in each applicable year are as follows: (i) for 2024, Logan M. Pichel, CEO/Bank, Kevin D. Sipes, CFO, William R. Nelson, Pres/RPG, and, Jeffrey A. Starke, CIOO; (ii) for 2023, Logan M. Pichel, CEO/Bank, Kevin D. Sipes, CFO, William R. Nelson, Pres/RPG, and, Jeffrey A. Starke, CIOO; (iii) for 2022, Logan M. Pichel, CEO/Bank, Kevin D. Sipes, CFO, William R. Nelson, Pres/RPG, and, John T. Rippy, Chief Risk Officer; (iv) for 2021, Logan M. Pichel, CEO/Bank, Kevin D. Sipes, CFO, William R. Nelson, Pres/RPG, and Juan M. Montano, the Chief Mortgage Banking Officer (the “CMBO”); and (v) for 2020, Logan M. Pichel, CEO/Bank, Kevin D. Sipes, CFO, William R. Nelson, Pres/RPG, and Juan M. Montano, CMBO. |  |  |  |
Peer Group Issuers, Footnote | 6 This column represents cumulative peer group TSR, weighted according to the respective companies’ stock market capitalization at the beginning of each period for which a return is indicated, and otherwise computed in accordance with Note 5. The peer group used for this purpose is the KBW NASDAQ Bank Index, a published industry index. |  |  |  |
PEO Total Compensation Amount | $ 907,530 | $ 736,387 | $ 804,352 | $ 664,050 | $ 641,217
PEO Actually Paid Compensation Amount | $ 907,530 | 736,387 | 804,352 | 664,050 | 641,217
Adjustment To PEO Compensation, Footnote | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | Average | ​ | Value of Initial Fixed $100 Investment Based On: | ​ | ​
​ | ​ | ​ | Summary | Average |  | ​ | ​ | Company
​ | Summary | ​ | Compensation | Compensation | ​ | Peer Group | ​ | Gross
​ | Compensation | Compensation | Table Total for | Actually Paid | Total | Total | ​ | Operating
​ | Table Total for | Actually Paid | Non-PEO | to Non-PEO | Shareholder | Shareholder | Net Income | Profit
​ | PEO¹ | to PEO² | NEOs³ | NEOs⁴ | Return⁵ | Return⁶ | (thousands)⁷ | (thousands)⁸
Year | ($) | ($) | ($) | ($) | ($) | ($) | ($) | ($)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
2024 | 907,530 | 907,530 | 1,030,800 | 1,418,478 | 173.98 | 132.60 | 101,371 | 127,703
2023 | 736,387 | 736,387 | 908,421 | 1,463,757 | 133.55 | 96.65 | 90,374 | 113,213
2022 | 804,352 | 804,352 | 1,046,354 | 530,140 | 98.86 | 100.39 | 91,106 | 116,845
2021 | 664,050 | 664,050 | 975,474 | 1,330,208 | 117.82 | 126.45 | 87,611 | 111,442
2020 | 641,217 | 641,217 | 761,975 | 717,809 | 80.82 | 90.69 | 83,246 | 102,633
1 This column represents the amount of total compensation reported for Steven E. Trager, the Chair/CEO, for each corresponding year in the “Total” column of the “Summary Compensation Table” of this Proxy Statement. 2 This column represents the amount of “compensation actually paid” to the Chair/CEO, as computed in accordance with Item 402(v). The amounts do not reflect the actual amount of compensation earned by or paid to the Chair/CEO during the applicable year. In accordance with the requirements of Item 402(v), no adjustments were made to the Chair/CEO’s total compensation for 2024 to determine the compensation actually paid because the Chair/CEO did not hold equity awards at any time during 2024 or participate in a defined benefit or actuarial pension plan. |  |  |  |
Non-PEO NEO Average Total Compensation Amount | $ 1,030,800 | 908,421 | 1,046,354 | 975,474 | 761,975
Non-PEO NEO Average Compensation Actually Paid Amount | $ 1,418,478 | 1,463,757 | 530,140 | 1,330,208 | 717,809
Adjustment to Non-PEO NEO Compensation Footnote | 3 This column represents the average of the amounts reported for the NEOs as a group (excluding the Chair/CEO) in the “Total” column of the Summary Compensation Table in each applicable year. Please refer to the “Summary Compensation Table” section of our Proxy Statements for the applicable year. The names and titles of each of the NEOs (excluding the Chair/CEO) included for purposes of calculating the average amounts in each applicable year are as follows: (i) for 2024, Logan M. Pichel, CEO/Bank, Kevin D. Sipes, CFO, William R. Nelson, Pres/RPG, and, Jeffrey A. Starke, CIOO; (ii) for 2023, Logan M. Pichel, CEO/Bank, Kevin D. Sipes, CFO, William R. Nelson, Pres/RPG, and, Jeffrey A. Starke, CIOO; (iii) for 2022, Logan M. Pichel, CEO/Bank, Kevin D. Sipes, CFO, William R. Nelson, Pres/RPG, and, John T. Rippy, Chief Risk Officer; (iv) for 2021, Logan M. Pichel, CEO/Bank, Kevin D. Sipes, CFO, William R. Nelson, Pres/RPG, and Juan M. Montano, the Chief Mortgage Banking Officer (the “CMBO”); and (v) for 2020, Logan M. Pichel, CEO/Bank, Kevin D. Sipes, CFO, William R. Nelson, Pres/RPG, and Juan M. Montano, CMBO. 4 This column represents the average amount of “compensation actually paid” to the NEOs as a group (excluding the Chair/CEO), as computed in accordance with Item 402(v). The dollar amounts do not reflect the actual average amount of compensation earned by or paid to the NEOs as a group (excluding the Chair/CEO) during the applicable year. In accordance with the requirements of Item 402(v), the following adjustments were made to average total compensation for the NEOs as a group (excluding the Chair/CEO) for the Subject Year to determine the compensation actually paid: ​
​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​
​ | ​ | Average | ​ | ​
​ | ​ | Reported Value | Average | ​
​ | Average Reported | of Equity Awards | Non-PEO NEO Adjusted | ​
​ | Summary | from Summary | Value of | ​
​ | Compensation | Compensation | Equity Awards | Average Compensation
​ | Table Total for Non-PEO NEOs (a) | Table for Non-PEO NEOs (b) | (c) | Actually Paid to Non-PEO NEOs
Year | ($) | ($) | ($) | ($)
​ | ​ | ​ | ​ | ​
2024 | 1,030,800 | (278,442) | 666,120 | 1,418,478
| (a) | This column reflects the average of the amounts reported for the NEOs as a group (excluding the Chair/CEO) in the “Total” column of the Summary Compensation Table in fiscal year 2024. Please refer to the “Summary Compensation Table” section of this Proxy Statement.
| (b) | This column represents the average of the total amounts reported for the NEOs as a group (excluding the Chair/CEO) in the “Stock Awards” and “Option Awards” columns for fiscal year 2024 in the Summary Compensation Table. Please refer to the “Summary Compensation Table” section of this Proxy Statement for the applicable year.
| (c) | This column represents an adjustment to the average of the amounts reported for the NEOs as a group (excluding the Chair/CEO) in the “Stock Awards” and “Option Awards” columns in the Summary Compensation Table in 2024.
For 2024, the adjusted amount replaces the “Stock Awards” and “Option Awards” columns in the Summary Compensation Table for each NEO (excluding the Chair/CEO) to arrive at “compensation actually paid” to each NEO (excluding the Chair/CEO) for fiscal year 2024, which is then averaged to determine the average “compensation actually paid” to the NEOs (excluding the Chair/CEO) for 2024. This adjusted amount is determined by subtracting the amounts reported in the “Stock Awards” and “Option Awards” columns in the Summary Compensation Table for the Subject Year and the addition (or subtraction, as applicable) of the following for that Subject Year: (i) the year-end fair value of any equity awards granted in the Subject Year that are outstanding and unvested as of the end of the Subject Year; (ii) the amount of change as of the end of the Subject Year (from the end of the prior fiscal year) in the fair value of any awards granted in prior years that are outstanding and unvested as of the end of the Subject Year; (iii) for awards that are granted and vest in the Subject Year, the fair value as of the vesting date; (iv) for awards granted in prior years that vest in the Subject Year, the amount equal to the change as of the vesting date (from the end of the prior fiscal year) in the fair value; (v) for awards granted in prior years that are determined to fail to meet the applicable vesting conditions during the Subject Year, a deduction for the amount equal to the fair value at the end of the prior fiscal year; and (vi) the dollar value of any dividends or other earnings paid on stock or option awards in the Subject Year prior to the vesting date that are not otherwise reflected in the fair value of such award or included in any other component of total compensation for the Subject Year. The fair value or change in fair value, as applicable, of stock awards and option awards was determined by reference to (x) for RSU awards, the closing price of our common stock on the applicable measurement date and (y) for PSU awards, the closing price of our common stock on the applicable measurement date multiplied by the probability of achievement as of such date. For stock options, the fair value or change in fair value, as applicable, was determined using a Black-Scholes valuation model. The model references the closing stock price, in addition to the stock option’s strike price, expected life, volatility, expected dividend yield, and risk-free rate as of the measurement date. The amounts added or subtracted to determine the adjusted average amount for 2024 are as follows:
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | Average Value of | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | Dividends or | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | other | ​
​ | ​ | ​ | Average Year | ​ | ​ | ​ | Earnings Paid | ​
​ | ​ | ​ | Over Year | ​ | ​ | Average | on Stock or | ​
​ | ​ | ​ | Change | Average | ​ | Fair Value | Option Awards | ​
​ | ​ | ​ | in Fair Value | Fair Value | ​ | at the End | not Otherwise | ​
​ | ​ | ​ | of | as of | Change in | of the Prior | Reflected in | ​
​ | ​ | ​ | Outstanding | Vesting | Fair Value | Fiscal Year of | Fair Value or | ​
​ | ​ | ​ | and | Date of | of Equity | Equity Awards | Total | ​
​ | Average | Average | Unvested | Equity | Awards | Granted in | Compensation | ​
​ | Reported Value | Fair Value | Equity | Awards | Granted | Prior Fiscal Year | in the | ​
​ | of Equity Awards | of Equity | Awards at | Granted | in Prior | that Failed to | Summary | Adjusted
​ | from Summary | Awards at FYE | FYE Granted | and | Years that | Meet Vesting | Compensation | Average Value of
​ | Compensation | Granted in | in Prior | Vested in | Vested in | Conditions | Table for the | Equity
​ | Table | the Year | Years | the Year | the Year | in the Year | Year | Awards
Year | ($) | ($) | ($) | ($) | ($) | ($) | ($) | ($)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
2024 | 278,442 | 363,793 | 178,775 | - | 112,904 | - | 10,648 | 666,120
Compensation Actually Paid vs. Total Shareholder Return | Compensation Actually Paid and Cumulative TSR ​ ​ ​ ​ ​ |  |  |  |
Compensation Actually Paid vs. Net Income | Compensation Actually Paid and Net Income* ​ ​ * As disclosed in the Company’s Report on Form 10-K for the year ended December 31, 2022, filed on March 3, 2023 (the “2022 10-K”), the Company’s net income for 2022 was positively impacted by the $13.2 million after-tax settlement, net of associated expenses, of its contract dispute and lawsuit with Green Dot Corporation for Green Dot Corporation’s failure to consummate the purchase of the Bank’s Tax Refund Solutions segment. |  |  |  |
Compensation Actually Paid vs. Company Selected Measure | Compensation Actually Paid and Gross Operating Profit** ** As disclosed in the 2022 10-K, the Company’s gross operating profit for 2022 was positively impacted by the $17.1 million pre-tax settlement, net of associated expenses, of its contract dispute and lawsuit with Green Dot Corporation for Green Dot Corporation’s failure to consummate the purchase of the Bank’s Tax Refund Solutions segment. |  |  |  |
Total Shareholder Return Vs Peer Group | Company TSR vs. Peer Group TSR ​ ​ |  |  |  |
Tabular List, Table | Financial Performance Measures As described in greater detail in the “Compensation Discussion and Analysis” section of this Proxy Statement, the most important metrics that the Company uses for both its long-term and short-term incentive awards are selected based on an objective of incentivizing the NEOs to increase the value of the Company’s business for its shareholders. The most important financial performance measures used by the Company to link executive compensation actually paid to the NEOs, for the most recently completed fiscal year, to the Company’s performance are as follows:
| ​
PEO | ​
Total Company Gross Operating Profit | ​
​ | ​
CEO/Bank, CFO, and CIOO | ​
Total Company Gross Operating Profit | ​
Return on average assets (ROAA) | ​
Efficiency ratios | ​
​ | ​
Pres/RPG | ​
RPG Gross Operating Profit | ​
ROAA | ​
Efficiency ratios | ​
​ |  |  |  |
Total Shareholder Return Amount | $ 173.98 | 133.55 | 98.86 | 117.82 | 80.82
Peer Group Total Shareholder Return Amount | 132.6 | 96.65 | 100.39 | 126.45 | 90.69
Net Income (Loss) | $ 101,371,000 | $ 90,374,000 | $ 91,106,000 | $ 87,611,000 | $ 83,246,000
Company Selected Measure Amount | 127,703,000 | 113,213,000 | 116,845,000 | 111,442,000 | 102,633,000
PEO Name | Steven E. Trager |  |  |  |
Equity Awards Adjustments, Footnote | The fair value or change in fair value, as applicable, of stock awards and option awards was determined by reference to (x) for RSU awards, the closing price of our common stock on the applicable measurement date and (y) for PSU awards, the closing price of our common stock on the applicable measurement date multiplied by the probability of achievement as of such date. For stock options, the fair value or change in fair value, as applicable, was determined using a Black-Scholes valuation model. The model references the closing stock price, in addition to the stock option’s strike price, expected life, volatility, expected dividend yield, and risk-free rate as of the measurement date. The amounts added or subtracted to determine the adjusted average amount for 2024 are as follows:
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | Average Value of | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | Dividends or | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | other | ​
​ | ​ | ​ | Average Year | ​ | ​ | ​ | Earnings Paid | ​
​ | ​ | ​ | Over Year | ​ | ​ | Average | on Stock or | ​
​ | ​ | ​ | Change | Average | ​ | Fair Value | Option Awards | ​
​ | ​ | ​ | in Fair Value | Fair Value | ​ | at the End | not Otherwise | ​
​ | ​ | ​ | of | as of | Change in | of the Prior | Reflected in | ​
​ | ​ | ​ | Outstanding | Vesting | Fair Value | Fiscal Year of | Fair Value or | ​
​ | ​ | ​ | and | Date of | of Equity | Equity Awards | Total | ​
​ | Average | Average | Unvested | Equity | Awards | Granted in | Compensation | ​
​ | Reported Value | Fair Value | Equity | Awards | Granted | Prior Fiscal Year | in the | ​
​ | of Equity Awards | of Equity | Awards at | Granted | in Prior | that Failed to | Summary | Adjusted
​ | from Summary | Awards at FYE | FYE Granted | and | Years that | Meet Vesting | Compensation | Average Value of
​ | Compensation | Granted in | in Prior | Vested in | Vested in | Conditions | Table for the | Equity
​ | Table | the Year | Years | the Year | the Year | in the Year | Year | Awards
Year | ($) | ($) | ($) | ($) | ($) | ($) | ($) | ($)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
2024 | 278,442 | 363,793 | 178,775 | - | 112,904 | - | 10,648 | 666,120
Measure:: 1 |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Non-GAAP Measure Description | 8 This column represents the amount of Company gross operating profit (pre-tax net income) reflected in the Company’s audited financial statements for the applicable year. |  |  |  |
PEO | PEO | Measure:: 1 |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Name | Total Company Gross Operating Profit |  |  |  |
Non-PEO NEO | Equity Awards Adjustments |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | $ 666,120 |  |  |  |
Non-PEO NEO | Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | (278,442) |  |  |  |
Non-PEO NEO | Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | 363,793 |  |  |  |
Non-PEO NEO | Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | 178,775 |  |  |  |
Non-PEO NEO | Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | 112,904 |  |  |  |
Non-PEO NEO | Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | $ 10,648 |  |  |  |
Non-PEO NEO | CEO/Bank, CFO, CRO | Measure:: 1 |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Name | Total Company Gross Operating Profit |  |  |  |
Non-PEO NEO | CEO/Bank, CFO, CRO | Measure:: 2 |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Name | Return on average assets (ROAA) |  |  |  |
Non-PEO NEO | CEO/Bank, CFO, CRO | Measure:: 3 |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Name | Efficiency ratios |  |  |  |
Non-PEO NEO | Pres/RPG | Measure:: 4 |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Name | RPG Gross Operating Profit |  |  |  |
Non-PEO NEO | Pres/RPG | Measure:: 5 |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Name | ROAA |  |  |  |
Non-PEO NEO | Pres/RPG | Measure:: 6 |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Name | Efficiency ratios |  |  |  |

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