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OPERATING SEGMENTS

3 Months Ended

Mar. 31, 2026

OPERATING SEGMENTS

OPERATING SEGMENTS

NOTE 17: OPERATING SEGMENTS

​

The Company’s banking operation is its only operating segment. The banking operation is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans by attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others. The operating results of this segment are regularly reviewed by management to make decisions about resource allocations and to assess performance. The parent holding company does not have any significant operations other than ownership of the Bank, and the parent holding company’s only income is equity in the earnings of the Bank.

Our chief executive officer is our chief operating decision maker. Our chief executive officer reviews actual net income versus budgeted net income, as well as comparison to other comparable financial reporting periods, to assess performance on a monthly basis and to make decisions about allocating capital and personnel.

Financial results by operating segment (all attributed to the banking segment), including significant expense categories provided to the chief operating decision maker, are detailed below for the three months ended March 31, 2026 and 2025.

​

​	​	​	​	​	​	​
​	​	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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The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

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