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CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
INTEREST AND DIVIDEND INCOME        
Interest and fees on loans $ 29,500 $ 26,882 $ 57,771 $ 52,775
Interest on securities 5,148 4,068 10,003 8,132
Interest on deposits in other banks 2,063 2,709 4,724 5,748
Dividends on stock 19 22 40 44
Total Interest and Dividend Income 36,730 33,681 72,538 66,699
INTEREST EXPENSE        
Interest on deposits 10,911 11,894 22,109 23,549
Total Interest Expense 10,911 11,894 22,109 23,549
Net Interest Income 25,819 21,787 50,429 43,150
Provision for credit losses 450 300 900 600
Net Interest Income After Provision for Credit Losses 25,369 21,487 49,529 42,550
NONINTEREST INCOME        
Service charges on deposit accounts 1,337 1,367 2,719 2,735
Debit card income, net 1,081 949 2,074 1,971
Mortgage loan income 567 650 1,097 1,106
Brokerage income 989 893 2,314 1,880
Loan and deposit income 418 492 877 984
Bank-owned life insurance income 224 216 437 418
Gain (Loss) on equity securities 9 (13) 53 (44)
SBIC income 47 454 327 806
Other income (loss) 46 90 92 170
Total Noninterest Income 4,718 5,098 9,990 10,026
OPERATING EXPENSES        
Personnel expenses 10,216 9,603 20,239 19,154
Occupancy and equipment expenses 1,753 1,698 3,548 3,314
Technology expenses 821 724 1,655 1,433
Advertising 286 408 619 745
Other business development expenses 455 593 1,013 1,068
Data processing expense 721 651 1,009 998
Other taxes 609 500 1,221 1,237
Loan and deposit expenses 398 309 460 267
Legal and professional expenses 612 729 1,244 1,347
Regulatory assessment expenses 388 401 779 805
Other operating expenses 1,108 1,073 2,168 2,194
Total Operating Expenses 17,367 16,689 33,955 32,562
Income Before Income Tax Expense 12,720 9,896 25,564 20,014
Income tax expense 2,524 1,909 5,016 3,839
Net Income $ 10,196 $ 7,987 $ 20,548 $ 16,175
EARNINGS PER SHARE        
Basic (in dollars per share) $ 1.51 $ 1.16 $ 3.04 $ 2.32
Diluted (in dollars per share) $ 1.51 $ 1.16 $ 3.03 $ 2.31