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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
INTEREST INCOME        
Loans $ 72,028 $ 76,425 $ 218,929 $ 221,796
Investment securities and other 7,051 7,371 21,368 20,317
TOTAL INTEREST INCOME 79,079 83,796 240,297 242,113
INTEREST EXPENSE        
Deposits 23,984 28,486 72,952 83,906
Securities sold under reverse repurchase agreements 297 385 1,040 1,112
Short-term borrowings, overnight FHLBank borrowings and other interest-bearing liabilities 3,618 5,388 12,042 12,805
Subordinated debentures issued to capital trust 407 456 1,178 1,364
Subordinated notes   1,106 2,015 3,317
TOTAL INTEREST EXPENSE 28,306 35,821 89,227 102,504
NET INTEREST INCOME 50,773 47,975 151,070 139,609
PROVISION FOR CREDIT LOSSES ON LOANS   1,200   1,700
CREDIT FOR LOSSES ON UNFUNDED COMMITMENTS (379) (63) (837) (540)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES ON LOANS AND CREDIT FOR LOSSES ON UNFUNDED COMMITMENTS 51,152 46,838 151,907 138,449
NON-INTEREST INCOME        
Commissions 566 360 1,239 1,010
Overdraft and insufficient funds fees 1,367 1,307 3,848 3,826
Point-Of-Sale and ATM fee income and service charges 3,290 3,467 9,968 10,238
Net gains on loan sales 916 1,076 2,410 2,880
Late charges and fees on loans 189 77 772 380
Loss on derivative interest rate products (2) (37) (54) (57)
Other income 736 742 3,681 5,354
TOTAL NON-INTEREST INCOME 7,062 6,992 21,864 23,631
NON-INTEREST EXPENSE        
Salaries and employee benefits 20,184 19,548 60,318 59,090
Net occupancy and equipment expense 8,873 8,138 25,841 23,818
Postage 893 861 2,649 2,445
Insurance 1,110 1,052 3,370 3,459
Advertising 985 928 1,980 2,169
Office supplies and printing 238 232 742 735
Telephone 690 669 2,101 2,075
Legal, audit and other professional fees 1,248 809 3,215 4,398
Income on other real estate and repossessions (142) (536) (380) (190)
Intangible asset amortization 109 108 325 325
Other operating expenses 1,928 1,908 5,782 6,224
TOTAL NON-INTEREST EXPENSE 36,116 33,717 105,943 104,548
INCOME BEFORE INCOME TAXES 22,098 20,113 67,828 57,532
PROVISION FOR INCOME TAXES 4,346 3,623 13,130 10,647
NET INCOME $ 17,752 $ 16,490 $ 54,698 $ 46,885
Earnings Per Common Share        
Basic Earnings Per Common Share (in dollars per share) $ 1.57 $ 1.41 $ 4.77 $ 4.01
Diluted Earnings Per Common Share (in dollars per share) 1.56 1.41 4.74 3.99
Dividends Declared Per Common Share (in dollars per share) $ 0.43 $ 0.4 $ 1.23 $ 1.2