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CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($)
shares in Thousands, $ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Interest income      
Interest and fees on loans $ 101,484 $ 98,505 $ 93,868
Interest on investment securities 33,075 38,660 34,766
Interest on federal funds sold and due from banks 6,714 2,329 1,407
Total interest income 141,273 139,494 130,041
Interest expense      
Interest on interest-bearing transaction accounts 1,201 1,036 421
Interest on savings accounts 2,003 867 125
Interest on money market accounts 33,914 18,553 1,589
Interest on time accounts 9,254 4,715 323
Interest on borrowings and other obligations 241 11,562 91
Total interest expense 46,613 36,733 2,549
Net interest income 94,660 102,761 127,492
Provision for (reversal of) credit losses on loans 5,550 2,575 (63)
Reversal of credit losses on unfunded loan commitments (233) (342) (318)
Net interest income after provision for (reversal of) for credit losses 89,343 100,528 127,873
Non-interest income      
Earnings on bank-owned life insurance, net 1,714 1,802 1,229
Dividends on Federal Home Loan Bank stock 1,478 1,265 1,056
Net losses on sale of investment securities (32,541) (5,893) (63)
Other income 1,380 1,260 1,849
Total non-interest income (21,360) 4,989 10,905
Non-interest expense      
Salaries and employee benefits 44,683 43,448 42,046
Occupancy and equipment 8,242 8,306 7,823
Professional services 5,129 3,598 3,299
Data processing 4,222 4,057 4,649
Deposit network fees 3,526 2,783 258
Federal Deposit Insurance Corporation insurance 1,863 1,878 1,179
Information technology 1,686 1,569 2,197
Depreciation and amortization 1,466 2,098 1,840
Directors' expense 1,213 1,212 1,107
Amortization of core deposit intangible 975 1,350 1,489
Charitable contributions 677 717 709
Other real estate owned 0 48 359
Other expense 8,136 8,417 8,314
Total non-interest expense 81,818 79,481 75,269
(Loss) income before provision for income taxes (13,835) 26,036 63,509
Provision for income taxes (5,426) 6,141 16,923
Net (loss) income $ (8,409) $ 19,895 $ 46,586
Net (loss) income per common share:      
Basic (in dollars per share) $ (0.52) $ 1.24 $ 2.93
Diluted (in dollars per share) $ (0.52) $ 1.24 $ 2.92
Weighted average common shares:      
Basic (in shares) 16,042 16,012 15,921
Diluted (in shares) 16,042 16,026 15,969
Comprehensive income (loss):      
Net (loss) income $ (8,409) $ 19,895 $ 46,586
Other comprehensive income (loss):      
Change in net unrealized gains or losses on available-for-sale securities (2,848) 20,358 (88,620)
Reclassification adjustment for losses on available-for-sale securities included in net income 32,541 8,700 63
Reclassification adjustment for gains or losses for fair value hedges 1,359 (1,359) 0
Net unrealized losses on securities transferred from available-for-sale to held-to-maturity 0 0 (14,847)
Amortization of net unrealized losses on securities transferred from available-for-sale to held-to-maturity 1,504 1,743 1,580
Other comprehensive income (loss), before tax 32,556 29,442 (101,824)
Deferred tax expense (benefit) 9,618 8,702 (30,102)
Other comprehensive income (loss), net of tax 22,938 20,740 (71,722)
Total comprehensive income (loss) 14,529 40,635 (25,136)
Wealth management and trust services      
Non-interest income      
Wealth management and trust services, debit card interchange fees net, service charges on deposit accounts, and merchant interchange fees net 2,420 2,145 2,227
Service charges on deposit accounts      
Non-interest income      
Wealth management and trust services, debit card interchange fees net, service charges on deposit accounts, and merchant interchange fees net 2,164 2,083 2,007
Debit card interchange fees, net      
Non-interest income      
Wealth management and trust services, debit card interchange fees net, service charges on deposit accounts, and merchant interchange fees net 1,701 1,831 2,051
Merchant interchange fees, net      
Non-interest income      
Wealth management and trust services, debit card interchange fees net, service charges on deposit accounts, and merchant interchange fees net $ 324 $ 496 $ 549