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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Loans, including fees:        
Taxable $ 52,818 $ 53,650 $ 159,343 $ 157,753
Federally tax exempt 1,245 1,133 3,628 3,324
Debt securities:        
Taxable 8,320 6,453 22,690 18,972
Federally tax exempt 459 502 1,385 1,620
Interest-bearing deposits in bank 1,350 2,230 3,959 6,752
Other interest and dividend income 144 149 388 481
Total interest and dividend income 64,336 64,117 191,393 188,902
INTEREST EXPENSE        
Deposits 12,995 14,649 38,769 42,375
Securities sold under agreements to repurchase 0 134 22 415
Borrowings 31 119 170 365
Subordinated notes 387 470 1,326 1,409
Junior subordinated debentures issued to capital trusts 937 1,012 2,754 2,889
Total interest expense 14,350 16,384 43,041 47,453
Net interest income 49,986 47,733 148,352 141,449
PROVISION FOR CREDIT LOSSES 596 603 1,698 2,306
Net interest income after provision for credit losses 49,390 47,130 146,654 139,143
NONINTEREST INCOME        
Mortgage servicing 1,019 1,113 3,051 3,279
Mortgage servicing rights fair value adjustment (514) (1,488) (1,573) (1,505)
Gains on sale of mortgage loans 390 461 1,101 1,202
Realized gains (losses) on sales of securities (49) 0 (49) (3,382)
Unrealized gains (losses) on equity securities (67) 136 (36) 24
Gains (losses) on foreclosed assets 148 (44) 175 15
Gains (losses) on other assets (14) (2) (88) (637)
Income on bank owned life insurance 169 170 500 500
Other noninterest income 820 855 2,396 2,499
Total noninterest income 9,849 8,705 28,295 23,941
NONINTEREST EXPENSE        
Salaries 16,351 16,325 49,856 49,346
Employee benefits 3,314 2,997 10,179 8,662
Occupancy of bank premises 2,826 2,695 7,922 7,520
Furniture and equipment 737 446 1,757 1,544
Data processing 2,791 2,640 8,195 8,171
Marketing and customer relations 1,035 1,380 3,199 3,372
Amortization of intangible assets 694 710 2,083 2,130
Loss on extinguishment of debt 391 0 391 0
FDIC insurance 561 572 1,674 1,697
Loan collection and servicing 264 476 1,007 1,403
Foreclosed assets 62 19 134 78
Other noninterest expense 3,482 3,062 9,960 9,176
Total noninterest expense 32,508 31,322 96,357 93,099
INCOME BEFORE INCOME TAX EXPENSE 26,731 24,513 78,592 69,985
INCOME TAX EXPENSE 6,966 6,333 20,522 18,477
NET INCOME $ 19,765 $ 18,180 $ 58,070 $ 51,508
EARNINGS PER SHARE - BASIC (in dollars per share) $ 0.63 $ 0.58 $ 1.84 $ 1.63
EARNINGS PER SHARE - DILUTED (in dollars per share) $ 0.63 $ 0.57 $ 1.84 $ 1.62
WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING (in shares) 31,481,135 31,559,366 31,525,247 31,600,442
Card income        
NONINTEREST INCOME        
Revenue $ 2,732 $ 2,753 $ 8,077 $ 8,254
Wealth management fees        
NONINTEREST INCOME        
Revenue 3,122 2,670 8,789 7,840
Service charges on deposit accounts        
NONINTEREST INCOME        
Revenue $ 2,093 $ 2,081 $ 5,952 $ 5,852