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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
INTEREST INCOME    
Loans $ 64,660 $ 73,071
Investment securities and other 6,505 7,172
TOTAL INTEREST INCOME 71,165 80,243
INTEREST EXPENSE    
Deposits 18,337 24,600
Securities sold under reverse repurchase agreements 96 371
Short-term borrowings, overnight FHLBank borrowings and other interest-bearing liabilities 4,062 4,450
Subordinated debentures issued to capital trust 342 382
Subordinated notes   1,106
TOTAL INTEREST EXPENSE 22,837 30,909
NET INTEREST INCOME 48,328 49,334
CREDIT FOR LOSSES ON UNFUNDED COMMITMENTS (931) (348)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES ON LOANS AND CREDIT FOR LOSSES ON UNFUNDED COMMITMENTS 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 gains on loan sales 719 601
Late charges and fees on loans 136 243
Loss on derivative interest rate products (2) (24)
Other income 1,229 1,059
TOTAL NON-INTEREST INCOME 7,029 6,590
NON-INTEREST EXPENSE    
Salaries and employee benefits 20,071 20,129
Net occupancy and equipment expense 8,864 8,533
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
Other operating expenses 1,729 1,726
TOTAL NON-INTEREST EXPENSE 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
Earnings Per Common Share    
Basic Earnings Per Common Share (in dollars per share) $ 1.59 $ 1.47
Diluted Earnings Per Common Share (in dollars per share) 1.58 1.47
Dividends Declared Per Common Share (in dollars per share) $ 0.43 $ 0.4