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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 23,868 $ 21,747
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses 3,050 3,600
Depreciation, amortization and accretion 8,130 8,702
Stock-based compensation expense 1,296 1,701
Loss on sales of securities 1,835 0
Net change in servicing asset (1,456) (416)
(Gain) loss on sales of other real estate (169) 70
Loss (gain) on sales of premises & equipment 5 (93)
Gain on sales of bank owned buildings and land 0 (361)
Writedown of bank premises 197 0
Change in bank owned life insurance (1,726) (1,421)
Equity method investment loss (270) (169)
Deferred tax (benefit) expense 755 (485)
Gain on sales of SBA loans (9,242) (5,063)
Origination of loans held for sale (301,632) (257,753)
Proceeds from sales of loans held for sale 299,046 252,601
Change in other assets (1,895) (3,163)
Change in other liabilities 1,609 1,486
Net cash provided by (used in) operating activities 23,401 20,983
CASH FLOWS FROM INVESTING ACTIVITIES    
Purchases of investment securities available-for-sale (56,616) (3,917)
Proceeds from maturities, calls, and paydowns of investment securities available-for-sale 69,180 36,711
Proceeds from sales of investment securities available-for-sale 29,890 0
Proceeds from maturities, calls, and paydowns of investment securities held-to-maturity 17,376 19,567
Proceeds from sales of investment securities held-to-maturity 3,971 0
Net change in loans 36,966 (148,601)
Purchase of premises and equipment (1,080) (3,618)
Proceeds from sales of other real estate 1,269 412
Redemption of other investments 0 800
Proceeds from bank owned life insurance 681 0
Purchase of Federal Home Loan Bank stock (556) (3,706)
Proceeds from sales of bank owned buildings and land 0 3,167
Proceeds from sales of premises and equipment 77 433
Net cash provided by (used in) investing activities 101,158 (98,752)
CASH FLOWS FROM FINANCING ACTIVITIES    
Change in noninterest-bearing customer deposits (36,709) (70,178)
Change in interest-bearing customer deposits 59,862 123,971
Dividends paid on common stock (7,899) (7,722)
Proceeds from Federal Home Loan Bank advances 270,000 785,000
Repayments of Federal Home Loan Bank advances (260,000) (735,000)
Proceeds from other borrowings 20,000 450,000
Repayments on other borrowings (20,000) (465,000)
Redemption of subordinated debt (500) 0
Repurchase of shares (1,305) (406)
Cash paid for tax withholding related to vesting of restricted stock (296) (252)
Net cash provided by financing activities 23,153 80,413
Net increase in cash and cash equivalents 147,712 2,644
Cash and cash equivalents at beginning of period 83,322 80,678
Cash and cash equivalents at end of period 231,034 83,322
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION    
Cash paid during the period for interest 61,754 44,855
Cash paid during the period for income taxes 4,717 5,209
NONCASH INVESTING AND FINANCING ACTIVITIES    
Transfers to other real estate $ 854 $ 3,083