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Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
INTEREST INCOME        
Interest and fees on loans $ 32,000 $ 34,747 $ 93,884 $ 109,289
Interest on securities, deposit accounts, and federal funds sold 4,213 4,478 12,415 13,098
Total interest income 36,213 39,225 106,299 122,387
INTEREST EXPENSE        
Interest on deposits 12,501 16,984 39,495 52,741
Interest on subordinated notes 338 566 1,720 1,678
Interest on FHLB and FRB borrowings 1,463 2,574 4,342 8,433
Total interest expense 14,302 20,124 45,557 62,852
Net interest income 21,911 19,101 60,742 59,535
Recovery of credit losses - loans (1,800) (6,000) (2,500) (2,400)
Recovery of credit losses - unfunded commitments 0 (200) 0 (1,700)
Total recovery of credit losses (1,800) (6,200) (2,500) (4,100)
Net interest income after recovery of credit losses 23,711 25,301 63,242 63,635
NONINTEREST INCOME        
Fair value adjustments of other equity investments 163 160 8 (8,384)
Residential mortgage banking income 5 2,746 847 8,214
Mortgage servicing rights ("MSRs") (48) (2,915) (185) (166)
Income (loss) on sale of MSRs 737 (1,011) 1,026 (1,011)
Wealth and trust management 458 730 1,321 1,873
Service charges on deposit accounts 725 376 1,903 1,123
Increase in cash surrender value of bank owned life insurance 9 127 25 797
Bank and purchase card, net 567 690 1,760 1,445
Loss on sale of securities available for sale 0 0 0 (67)
Swap transaction fees 258 0 258 0
Other 959 1,795 3,186 6,934
Total noninterest income 3,833 2,698 10,149 10,758
NONINTEREST EXPENSE        
Salaries and employee benefits 11,388 13,938 36,998 44,918
Occupancy and equipment 1,190 1,394 3,700 4,221
Technology and communication 2,314 2,767 7,663 7,378
Legal and regulatory filings 1,008 614 1,842 1,424
Advertising and marketing 267 222 586 702
Audit fees 161 498 1,198 1,948
FDIC insurance 239 1,130 2,363 4,324
Intangible amortization 223 265 701 828
Other contractual services 645 1,634 1,673 5,299
Other taxes and assessments 895 759 2,771 2,290
Regulatory remediation 0 357 0 4,398
Other 1,711 2,876 5,506 10,469
Total noninterest expense 20,041 26,454 65,001 88,199
Income (loss) before income tax expense 7,503 1,545 8,390 (13,806)
Income tax expense (benefit) 1,900 599 1,925 (424)
Net income (loss) $ 5,603 $ 946 $ 6,465 $ (13,382)
Basic income (loss) per common share $ 0.06 $ 0.01 $ 0.07 $ (0.34)
Diluted income (loss) per common share $ 0.06 $ 0.01 $ 0.07 $ (0.34)