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EARNINGS PER SHARE (Tables)
3 Months Ended
Mar. 31, 2025
EARNINGS PER SHARE  
Schedule of earnings per share The factors used in the earnings per share calculation are as follows (in thousands, except per share data).

Three months ended March 31, 

    

2025

    

2024

    

Basic

Net income available to common stockholders

$

16,354

$

16,203

Weighted average common shares outstanding

11,215,118

11,132,989

Basic earnings per common share

$

1.46

$

1.46

Diluted

Net income allocated to common stockholders

$

16,354

$

16,203

Weighted average common shares outstanding for basic earnings per common share

11,215,118

11,132,989

Add: Dilutive effects of assumed vesting of performance based restricted stock units

19,697

Add: Dilutive effects of assumed vesting of restricted stock units

46,560

Average shares and dilutive potential common shares

11,281,375

11,132,989

Dilutive earnings per common share

$

1.45

$

1.46