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CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
INTEREST AND DIVIDEND INCOME        
Interest and fees on loans $ 30,612 $ 27,909 $ 88,383 $ 80,684
Interest on securities 5,425 4,334 15,428 12,465
Interest on deposits in other banks 2,079 2,630 6,803 8,378
Dividends on stock 33 28 73 73
Total Interest and Dividend Income 38,149 34,901 110,687 101,600
INTEREST EXPENSE        
Interest on deposits 11,263 12,444 33,372 35,993
Total Interest Expense 11,263 12,444 33,372 35,993
Net Interest Income 26,886 22,457 77,315 65,607
Provision for credit losses 650 300 1,550 900
Net Interest Income After Provision for Credit Losses 26,236 22,157 75,765 64,707
NONINTEREST INCOME        
Service charges on deposit accounts 1,442 1,486 4,160 4,223
Debit card income, net 852 905 2,925 2,875
Mortgage loan income 652 732 1,749 1,838
Brokerage income 1,131 987 3,446 2,867
Loan and deposit income 393 588 1,270 1,572
Bank-owned life insurance income 224 217 661 635
Gain (Loss) on equity securities 28 107 82 63
SBIC income (loss) (75) 301 252 1,107
Other income (loss) 378 96 470 266
Total Noninterest Income 5,025 5,419 15,015 15,446
OPERATING EXPENSES        
Personnel expenses 10,511 9,700 30,750 28,854
Occupancy and equipment expenses 1,846 1,661 5,394 4,975
Technology expenses 831 865 2,486 2,298
Advertising 293 317 911 1,061
Other business development expenses 531 521 1,544 1,589
Data processing expense 724 652 1,734 1,650
Other taxes 604 622 1,825 1,859
Loan and deposit expenses 356 294 816 561
Legal and professional expenses 605 653 1,849 2,000
Regulatory assessment expenses 430 421 1,209 1,226
Other operating expenses 1,158 1,046 3,326 3,241
Total Operating Expenses 17,889 16,752 51,844 49,314
Income Before Income Tax Expense 13,372 10,824 38,936 30,839
Income tax expense 2,571 2,070 7,587 5,910
Net Income $ 10,801 $ 8,754 $ 31,349 $ 24,929
EARNINGS PER SHARE        
Basic (in dollars per share) $ 1.63 $ 1.28 $ 4.67 $ 3.60
Diluted (in dollars per share) $ 1.63 $ 1.27 $ 4.65 $ 3.59