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OPERATING SEGMENTS (Tables) | 9 Months Ended
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Sep. 30, 2025
OPERATING SEGMENTS |
Schedule of financial results by operating segment | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended September 30,
​ |  | 2025 |  | 2024
​ | ​ | (In Thousands)
Interest income | ​ | $ | 79,079 | ​ | $ | 83,796
Interest expense | ​ |  | 28,306 | ​ |  | 35,821
Net interest income | ​ |  | 50,773 | ​ |  | 47,975
​ | ​ | ​ | ​ | ​ | ​ | ​
Credit loss expense | ​ |  | (379) | ​ |  | 1,137
Net interest income after credit loss expense | ​ |  | 51,152 | ​ |  | 46,838
​ | ​ | ​ | ​ | ​ | ​ | ​
Non-interest Income | ​ |  |  | ​ |  | ​
Commissions | ​ |  | 566 | ​ |  | 360
Overdraft and insufficient funds fees | ​ |  | 1,367 | ​ |  | 1,307
Point-of-sale and ATM fee income and service charges | ​ |  | 3,290 | ​ |  | 3,467
Net gain on loan sales | ​ |  | 916 | ​ |  | 1,076
Late charges and fees on loans | ​ |  | 189 | ​ |  | 77
Fees from debit card contracts | ​ |  | 348 | ​ |  | 348
Other income | ​ |  | 386 | ​ |  | 357
​ | ​ |  | 7,062 | ​ |  | 6,992
​ | ​ | ​ | ​ | ​ | ​ | ​
Non-interest Expense | ​ |  |  | ​ |  | ​
Salaries and incentives | ​ |  | 16,450 | ​ |  | 15,943
Employee benefits | ​ |  | 3,734 | ​ |  | 3,605
Net occupancy expense | ​ |  | 3,281 | ​ |  | 3,267
Technology, furniture and equipment expense | ​ |  | 5,592 | ​ |  | 4,871
Postage | ​ |  | 893 | ​ |  | 861
Insurance | ​ |  | 1,110 | ​ |  | 1,052
Advertising | ​ |  | 985 | ​ |  | 928
Office supplies and printing | ​ |  | 238 | ​ |  | 232
Telephone | ​ |  | 690 | ​ |  | 669
Legal, audit and other professional fees | ​ |  | 1,248 | ​ |  | 809
Expense (income) on other real estate and repossessions | ​ |  | (142) | ​ |  | (536)
Intangible asset amortization | ​ |  | 109 | ​ |  | 108
Travel meals and entertainment | ​ |  | 883 | ​ |  | 808
Other operating expenses | ​ |  | 1,045 | ​ |  | 1,100
​ | ​ |  | 36,116 | ​ |  | 33,717
​ | ​ | ​ | ​ | ​ | ​ | ​
Income Before Income Taxes | ​ |  | 22,098 | ​ |  | 20,113
Provision for Income Taxes | ​ |  | 4,346 | ​ |  | 3,623
Net Income | ​ | $ | 17,752 | ​ | $ | 16,490
​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nine Months Ended September 30,
​ |  | 2025 |  | 2024
​ | ​ | (In Thousands)
Interest income | ​ | $ | 240,297 |  | $ | 242,113
Interest expense | ​ |  | 89,227 | ​ |  | 102,504
Net interest income | ​ |  | 151,070 | ​ |  | 139,609
​ | ​ | ​ | ​ | ​ | ​ | ​
Credit loss expense | ​ |  | (837) | ​ |  | 1,160
Net interest income after credit loss expense | ​ |  | 151,907 | ​ |  | 138,449
​ | ​ | ​ | ​ | ​ | ​ | ​
Non-interest Income | ​ |  |  | ​ |  |
Commissions | ​ |  | 1,239 | ​ |  | 1,010
Overdraft and insufficient funds fees | ​ |  | 3,848 | ​ |  | 3,826
Point-of-sale and ATM fee income and service charges | ​ |  | 9,968 | ​ |  | 10,238
Net gain on loan sales | ​ |  | 2,410 | ​ |  | 2,880
Late charges and fees on loans | ​ |  | 772 | ​ |  | 380
Fees from debit card contracts | ​ |  | 1,216 | ​ |  | 1,449
Other income | ​ |  | 2,411 | ​ |  | 3,848
​ | ​ |  | 21,864 | ​ |  | 23,631
​ | ​ | ​ | ​ | ​ | ​ | ​
Non-interest Expense | ​ |  |  | ​ |  |
Salaries and incentives | ​ |  | 48,928 | ​ |  | 48,021
Employee benefits | ​ |  | 11,390 | ​ |  | 11,069
Net occupancy expense | ​ |  | 9,663 | ​ |  | 9,252
Technology, furniture and equipment expense | ​ |  | 16,178 | ​ |  | 14,566
Postage | ​ |  | 2,649 | ​ |  | 2,445
Insurance | ​ |  | 3,370 | ​ |  | 3,459
Advertising | ​ |  | 1,980 | ​ |  | 2,169
Office supplies and printing | ​ |  | 742 | ​ |  | 735
Telephone | ​ |  | 2,101 | ​ |  | 2,075
Legal, audit and other professional fees | ​ |  | 3,215 | ​ |  | 4,398
Expense (income) on other real estate and repossessions | ​ |  | (380) | ​ |  | (190)
Intangible asset amortization | ​ |  | 325 | ​ |  | 325
Travel meals and entertainment | ​ |  | 1,541 | ​ |  | 1,407
Other operating expenses | ​ |  | 4,241 | ​ |  | 4,817
​ | ​ |  | 105,943 | ​ |  | 104,548
​ | ​ | ​ | ​ | ​ | ​ | ​
Income Before Income Taxes | ​ |  | 67,828 | ​ |  | 57,532
Provision for Income Taxes | ​ |  | 13,130 | ​ |  | 10,647
Net Income | ​ | $ | 54,698 | ​ | $ | 46,885
​

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- Definition Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-25 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30 + Details
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