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MORTGAGE BANKING ACTIVITIES (Tables) | 3 Months Ended
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Mar. 31, 2026
MORTGAGE BANKING ACTIVITIES |
Activity for mortgage loans HFS, at fair value | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ ​ ​ | Three Months Ended | ​ ​ ​
​ | ​ | March 31, | ​
(in thousands) | ​ | 2026 | ​ ​ ​ | 2025 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, beginning of period | ​ | $ | 7,516 | ​ | $ | 8,312 | ​
Origination of mortgage loans held for sale | ​ |  | 47,990 | ​ |  | 41,233 | ​
Transferred from held for investment to held for sale | ​ | ​ | — | ​ | ​ | — | ​
Proceeds from the sale of mortgage loans held for sale | ​ |  | (44,042) | ​ |  | (41,816) | ​
Net gain on mortgage loans held for sale | ​ |  | 1,489 | ​ |  | 1,411 | ​
Balance, end of period | ​ | $ | 12,953 | ​ | $ | 9,140 | ​
Components of mortgage banking income | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ ​ ​ | Three Months Ended | ​
​ | ​ | March 31, | ​
(in thousands) | ​ | 2026 | ​ ​ ​ | 2025 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Net gain realized on sale of mortgage loans held for sale | ​ | $ | 1,039 | ​ | $ | 1,283 | ​
Net change in fair value recognized on loans held for sale | ​ |  | (58) | ​ |  | (45) | ​
Net change in fair value recognized on rate lock loan commitments | ​ |  | 79 | ​ |  | 312 | ​
Net change in fair value recognized on forward contracts | ​ |  | 429 | ​ |  | (139) | ​
Net gain recognized | ​ |  | 1,489 | ​ |  | 1,411 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loan servicing income | ​ |  | 831 | ​ |  | 825 | ​
Amortization of mortgage servicing rights | ​ |  | (495) | ​ |  | (415) | ​
Net servicing income recognized | ​ |  | 336 | ​ |  | 410 | ​
Total mortgage banking income | ​ | $ | 1,825 | ​ | $ | 1,821 | ​
Activity for capitalized MSRs | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended
​ | ​ | March 31,
(in thousands) | ​ ​ ​ | 2026 | ​ ​ ​ | 2025
​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, beginning of period | ​ | $ | 6,811 | ​ | $ | 6,975
Additions | ​ |  | 377 | ​ |  | 316
Amortized to expense | ​ |  | (495) | ​ |  | (415)
Balance, end of period | ​ | $ | 6,693 | ​ | $ | 6,876
Other information relating to MSRs | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) | ​ ​ ​ | March 31, 2026 | ​ | ​ | December 31, 2025 | ​ |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Fair value of mortgage servicing rights portfolio | ​ | $ | 17,702 | ​ | ​ | $ | 17,432 | ​ | ​
Monthly weighted average prepayment rate of unpaid principal balance* | ​ |  | 132 | % | ​ |  | 131 | % | ​
Discount rate | ​ | ​ | 9.74 | % | ​ | ​ | 9.74 | % | ​
Weighted average foreclosure rate | ​ | ​ | 0.08 | % | ​ | ​ | 0.09 | % | ​
Weighted average life in years | ​ |  | 7.34 | ​ | ​ |  | 7.35 | ​ | ​
* | Rates are applied to individual tranches with similar characteristics.
Schedule of notional amounts and fair values of mortgage loans HFS at fair value and mortgage banking derivatives | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | March 31, 2026 | ​ ​ ​ | December 31, 2025 | ​
​ | ​ | Notional | ​ | ​ | ​ | ​ | Notional | ​ | ​ | ​ | ​
(in thousands) | ​ | Amount | ​ ​ ​ | Fair Value | ​ | Amount | ​ ​ ​ | Fair Value | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Included in Mortgage loans held for sale: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mortgage loans held for sale, at fair value | ​ | $ | 12,862 | ​ | $ | 12,953 | ​ | $ | 7,367 | ​ | $ | 7,516 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Included in other assets: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Rate lock loan commitments | ​ | $ | 34,774 | ​ | $ | 358 | ​ | $ | 12,617 | ​ | $ | 279 | ​
Mandatory forward contracts | ​ | ​ | 38,505 | ​ | ​ | 400 | ​ | ​ | — | ​ | ​ | — | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Included in other liabilities: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Mandatory forward contracts | ​ | $ | — | ​ | $ | — | ​ | $ | 16,280 | ​ | $ | 29 | ​
​

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