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OPERATING SEGMENTS (Tables) | 3 Months Ended
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Mar. 31, 2026
OPERATING SEGMENTS |
Schedule of financial results by operating segment | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended March 31,
​ | ​ ​ ​ | 2026 | ​ ​ ​ | 2025
​ | ​ | (In Thousands)
Interest income | ​ | $ | 71,165 | ​ | $ | 80,243
Interest expense | ​ |  | 22,837 | ​ |  | 30,909
Net interest income | ​ |  | 48,328 | ​ |  | 49,334
​ | ​ | ​ | ​ | ​ | ​ | ​
Credit loss expense | ​ |  | (931) | ​ |  | (348)
Net interest income after credit loss expense | ​ |  | 49,259 | ​ |  | 49,682
​ | ​ | ​ | ​ | ​ | ​ | ​
Non-interest Income | ​ |  | ​ | ​ |  | ​
Commissions | ​ |  | 615 | ​ |  | 262
Overdraft and insufficient funds fees | ​ |  | 1,231 | ​ |  | 1,215
Point-of-sale and ATM fee income and service charges | ​ |  | 3,101 | ​ |  | 3,234
Net gain on loan sales | ​ |  | 719 | ​ |  | 601
Late charges and fees on loans | ​ |  | 136 | ​ |  | 243
Fees from debit card contracts | ​ |  | 410 | ​ |  | 501
Other income | ​ |  | 817 | ​ |  | 534
​ | ​ |  | 7,029 | ​ |  | 6,590
​ | ​ | ​ | ​ | ​ | ​ | ​
Non-interest Expense | ​ |  | ​ | ​ |  | ​
Salaries and incentives | ​ |  | 16,089 | ​ |  | 16,203
Employee benefits | ​ |  | 3,982 | ​ |  | 3,926
Net occupancy expense | ​ |  | 3,175 | ​ |  | 3,379
Technology, furniture and equipment expense | ​ |  | 5,689 | ​ |  | 5,154
Postage | ​ |  | 925 | ​ |  | 931
Insurance | ​ |  | 1,072 | ​ |  | 1,165
Advertising | ​ |  | 372 | ​ |  | 290
Office supplies and printing | ​ |  | 222 | ​ |  | 266
Telephone | ​ |  | 685 | ​ |  | 706
Legal, audit and other professional fees | ​ |  | 690 | ​ |  | 1,038
Expense (income) on other real estate and repossessions | ​ |  | 54 | ​ |  | (70)
Intangible asset amortization | ​ |  | 108 | ​ |  | 108
Travel meals and entertainment | ​ |  | 377 | ​ |  | 348
Other operating expenses | ​ |  | 1,352 | ​ |  | 1,378
​ | ​ |  | 34,792 | ​ |  | 34,822
​ | ​ | ​ | ​ | ​ | ​ | ​
Income Before Income Taxes | ​ |  | 21,496 | ​ |  | 21,450
Provision for Income Taxes | ​ |  | 4,020 | ​ |  | 4,290
Net Income | ​ | $ | 17,476 | ​ | $ | 17,160
​

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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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