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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
INTEREST AND DIVIDEND INCOME      
Interest and fees on loans $ 108,969 $ 93,439 $ 75,827
Interest on securities 17,089 14,291 13,735
Interest on federal funds sold 0 886 1,091
Interest on deposits in other banks 11,077 9,797 3,682
Dividends on stock 95 155 40
Total Interest and Dividend Income 137,230 118,568 94,375
INTEREST EXPENSE      
Interest on deposits 47,936 32,066 7,736
Interest on other borrowed funds 0 64 0
Total Interest Expense 47,936 32,130 7,736
Net Interest Income 89,294 86,438 86,639
Provision for credit losses 1,200 735 1,750
Net Interest Income After Provision for Credit Losses 88,094 85,703 84,889
NONINTEREST INCOME      
Service charges on deposit accounts 5,674 5,776 5,565
Debit card income, net 3,836 3,563 3,897
Mortgage loan income 2,490 1,965 3,096
Brokerage income 3,791 3,798 3,549
Loan and deposit income 2,034 2,140 1,723
Bank-owned life insurance income 851 754 713
Gain (Loss) on equity securities (28) (14) (468)
Gain (Loss) on sale and call of securities 0 0 (59)
SBIC income 1,453 2,873 563
Other income (loss) 340 259 168
Total Noninterest Income 20,441 21,114 18,747
OPERATING EXPENSES      
Personnel expenses 38,623 37,241 34,560
Occupancy and equipment expenses 6,691 6,581 6,109
Technology expenses 3,182 2,759 2,763
Advertising 1,374 1,302 1,134
Other business development expenses 2,076 1,987 1,645
Data processing expense 2,331 2,320 2,093
Other taxes 2,407 2,721 2,714
Loan and deposit expenses 895 984 659
Legal and professional expenses 2,657 2,378 1,997
Regulatory assessment expenses 1,654 1,645 1,058
Other operating expenses 4,264 3,955 3,923
Total Operating Expenses 66,154 63,873 58,655
Income Before Income Tax Expense 42,381 42,944 44,981
Income tax expense 8,146 8,065 8,065
Net Income $ 34,235 $ 34,879 $ 36,916
EARNINGS PER SHARE      
Basic (in dollars per share) $ 4.96 $ 4.87 $ 5.14
Diluted (in dollars per share) $ 4.95 $ 4.86 $ 5.13