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FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)

9 Months Ended

Sep. 30, 2025

Fair Value Disclosures [Abstract]

Summary of Assets Measured at Fair Value on a Recurring Basis

The following tables summarize assets and liabilities measured at fair value on a recurring basis as of September 30, 2025 and December 31, 2024 by level within the fair value hierarchy:

						September 30, 2025
(dollars in thousands)						Level 1 Inputs						Level 2 Inputs						Level 3 Inputs						Total Fair Value
Debt securities available-for-sale:
U.S. Treasury						$	—					$	94,813					$	—					$	94,813
U.S. government agency						—						50,743						—						50,743
Municipal						—						136,452						—						136,452
Mortgage-backed:
Agency residential						—						319,646						—						319,646
Agency commercial						—						125,707						—						125,707
Corporate						—						66,369						—						66,369
Equity securities with readily determinable fair values						3,279						—						—						3,279
Mortgage servicing rights						—						—						17,254						17,254
Derivative financial assets						—						3,176						—						3,176
Derivative financial liabilities						—						3,186						—						3,186

						December 31, 2024
(dollars in thousands)						Level 1 Inputs						Level 2 Inputs						Level 3 Inputs						Total Fair Value
Debt securities available-for-sale:
U.S. Treasury						$	—					$	111,145					$	—					$	111,145
U.S. government agency						—						53,198						—						53,198
Municipal						—						130,679						—						130,679
Mortgage-backed:
Agency residential						—						227,368						—						227,368
Agency commercial						—						116,681						—						116,681
Corporate						—						58,978						—						58,978
Equity securities with readily determinable fair values						3,315						—						—						3,315
Mortgage servicing rights						—						—						18,827						18,827
Derivative financial assets						—						5,553						—						5,553
Derivative financial liabilities						—						5,525						—						5,525

Schedule of Quantitative Information About the Unobservable Inputs Used in Recurring Level 3 Fair Value Measurements

The following tables present additional information about the unobservable inputs used in the fair value measurement of the mortgage servicing rights (dollars in thousands):

September 30, 2025

Fair Value

Valuation Technique

Unobservable Inputs

Range (Weighted Average)

Mortgage servicing rights

$

17,254

Discounted cash flows

Constant pre-payment rates (CPR)

4.9% to 94.3% (8.2%)

Discount rate

9.0% to 92.2% (9.5%)

December 31, 2024

Fair Value

Valuation Technique

Unobservable Inputs

Range (Weighted Average)

Mortgage servicing rights

$

18,827

Discounted cash flows

Constant pre-payment rates (CPR)

0.8% to 94.3% (7.6%)

Discount rate

9.0% to 96.4% (10.4%)

Summary of Assets Measured at Fair Value on a Nonrecurring Basis

The following tables summarize assets measured at fair value on a nonrecurring basis as of September 30, 2025 and December 31, 2024 by level within the fair value hierarchy:

						September 30, 2025
(dollars in thousands)						Level 1 Inputs						Level 2 Inputs						Level 3 Inputs						Total Fair Value
Loans held for sale						$	—					$	1,432					$	—					$	1,432
Collateral-dependent loans						—						—						31,164						31,164
Foreclosed assets						—						—						1,007						1,007

						December 31, 2024
(dollars in thousands)						Level 1 Inputs						Level 2 Inputs						Level 3 Inputs						Total Fair Value
Loans held for sale						$	—					$	1,586					$	—					$	1,586
Collateral-dependent loans						—						—						27,717						27,717
Bank premises held for sale						—						—						317						317
Foreclosed assets						—						—						367						367

Schedule of Quantitative Information About the Unobservable Inputs Used in Non-Recurring Level 3 Fair Value Measurements

The following tables present quantitative information about unobservable inputs used in nonrecurring Level 3 fair value measurements (dollars in thousands):

September 30, 2025

Fair Value

Valuation Technique

Unobservable Inputs

Range (Weighted Average)

Collateral-dependent loans

$

31,164

Appraisal of collateral

Appraisal adjustments

Not meaningful

Foreclosed assets

1,007

Appraisal

Appraisal adjustments

7% (7%)

December 31, 2024

Fair Value

Valuation Technique

Unobservable Inputs

Range (Weighted Average)

Collateral-dependent loans

$

27,717

Appraisal of collateral

Appraisal adjustments

Not meaningful

Bank premises held for sale

317

Appraisal

Appraisal adjustments

7% (7%)

Foreclosed assets

367

Appraisal

Appraisal adjustments

7% (7%)

Summary Information on the Carrying Amounts and Estimated Fair Values of the Company's Financial Instruments

The following table provides summary information on the carrying amounts and estimated fair values of the Company’s other financial instruments:

(dollars in thousands)						Fair Value Hierarchy Level						September 30, 2025												December 31, 2024
												Carrying Amount						Estimated Fair Value						Carrying Amount						Estimated Fair Value
Financial assets:
Cash and cash equivalents						Level 1						$	155,133					$	155,133					$	137,692					$	137,692
Debt securities held-to-maturity						Level 2						466,565						431,493						499,858						445,186
Restricted stock						Level 3						4,979						4,979						5,086						5,086
Loans, net						Level 3						3,358,129						3,314,510						3,424,102						3,418,318
Investments in unconsolidated subsidiaries						Level 3						1,614						1,614						1,614						1,614
Accrued interest receivable						Level 2						23,575						23,575						24,770						24,770
Financial liabilities:
Time deposits						Level 3						764,715						760,928						785,430						779,997
Securities sold under agreements to repurchase						Level 2						—						—						28,969						28,969
FHLB advances						Level 3						7,271						6,542						13,231						13,159
Subordinated notes						Level 3						—						—						39,553						38,316
Junior subordinated debentures						Level 3						52,894						51,650						52,849						47,942
Accrued interest payable						Level 2						3,946						3,946						5,096						5,096

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