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Consolidated Statements of Income - USD ($)
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
INTEREST INCOME      
Loans, Including Fees $ 204,731,000 $ 191,402,000 $ 146,256,000
Investment Securities 33,927,000 26,245,000 16,410,000
Other 7,240,000 4,708,000 1,029,000
Total Interest Income 245,898,000 222,355,000 163,695,000
INTEREST EXPENSE      
Deposits 128,805,000 96,045,000 23,379,000
Federal Funds Purchased 1,201,000 8,521,000 4,507,000
Notes Payable 1,162,000 1,143,000 202,000
FHLB Advances 8,554,000 7,489,000 1,221,000
Subordinated Debentures 3,983,000 3,983,000 4,688,000
Total Interest Expense 143,705,000 117,181,000 33,997,000
NET INTEREST INCOME 102,193,000 105,174,000 129,698,000
Provision for (Recovery of) Credit Losses 3,525,000 (175,000) 7,700,000
NET INTEREST INCOME AFTER PROVISION FOR (RECOVERY OF) CREDIT LOSSES 98,668,000 105,349,000 121,998,000
NONINTEREST INCOME      
Customer Service Fees 1,475,000 1,455,000 1,236,000
Net Gain (Loss) on Sales of Available for Sale Securities 385,000 (33,000) 82,000
Net Gain on Sales of Foreclosed Assets 62,000    
Letters of Credit Fees 1,976,000 1,746,000 1,592,000
Debit Card Interchange Fees 593,000 595,000 586,000
Swap Fees 547,000   557,000
Bank-Owned Life Insurance 1,327,000 992,000 762,000
FHLB Prepayment Income   792,000  
Other Income 1,003,000 946,000 1,517,000
Total Noninterest Income 7,368,000 6,493,000 6,332,000
NONINTEREST EXPENSE      
Salaries and Employee Benefits 39,564,000 36,538,000 36,941,000
Occupancy and Equipment 4,399,000 4,447,000 4,390,000
FDIC Insurance Assessment 2,959,000 3,690,000 1,365,000
Data Processing 1,697,000 1,574,000 1,396,000
Professional and Consulting Fees 3,879,000 3,081,000 2,664,000
Derivative Collateral Fees 1,821,000 1,900,000 687,000
Information Technology and Telecommunications 3,325,000 2,889,000 2,495,000
Marketing and Advertising 1,485,000 1,129,000 2,032,000
Intangible Asset Amortization 78,000 100,000 191,000
Amortization of Tax Credit Investments     408,000
Other Expense 4,093,000 3,972,000 4,051,000
Total Noninterest Expense 63,300,000 59,320,000 56,620,000
INCOME BEFORE INCOME TAXES 42,736,000 52,522,000 71,710,000
Provision for Income Taxes 9,911,000 12,562,000 18,318,000
NET INCOME 32,825,000 39,960,000 53,392,000
Preferred Stock Dividends (4,054,000) (4,054,000) (4,054,000)
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS $ 28,771,000 $ 35,906,000 $ 49,338,000
EARNINGS PER SHARE      
Basic (in dollars per share) $ 1.05 $ 1.29 $ 1.78
Diluted (in dollars per share) $ 1.03 $ 1.27 $ 1.72