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Note 21 - Business Segments (Tables)

12 Months Ended

Dec. 31, 2024

Notes Tables

Schedule of Segment Reporting Information, by Segment [Table Text Block]

		At or For the Year Ended December 31, 2024
Income:		Commercial and Consumer Banking				Home Lending				Total
Interest income - loans receivable, including fees		$	139,996			$	30,861			$	170,857
Interest income - other interest earnings assets			13,980				—				13,980
Total interest income by segment			153,976				30,861				184,837
Gain on sale of loans			—				8,557				8,557
Gain on sale of MSRs			6,473				1,883				8,356
Other income			1,856				2,787				4,643
Intersegment income			898				(898	)			—
Total noninterest income by segment			9,227				12,329				21,556
Total income by segment			163,203				43,190				206,393
Expense:
Interest expense - deposits			53,156				7				53,163
Interest expense - borrowings			6,627				—				6,627
Interest expense - subordinated note			1,555				387				1,942
Interest expense - intersegment			(20,666	)			20,666				—
Total interest expense by segment			40,672				21,060				61,732
Provision for credit losses by segment			5,393				118				5,511
Salaries and benefits			26,609				8,470				35,079
Overhead allocation			22,464				6,559				29,023
Other segment items (1)			28,542				4,925				33,467
Total noninterest expense by segment			77,615				19,954				97,569
Income before (provision) benefit for income taxes by segment			39,523				2,058				41,581
(Provision) benefit for income taxes by segment			(6,733	)			176				(6,557	)
Net income by segment		$	32,790			$	2,234			$	35,024
Other segment disclosures:
Segment assets		$	2,410,777			$	618,400			$	3,029,177
FTEs			447				115				562

		At or For the Year Ended December 31, 2023
Income:		Commercial and Consumer Banking				Home Lending				Total
Interest income - loans receivable, including fees		$	127,947			$	26,998			$	154,945
Interest income - other interest earnings assets			12,247				—				12,247
Total interest income by segment			140,194				26,998				167,192
Gain on sale of loans			—				6,711				6,711
Other income			9,178				4,601				13,779
Intersegment income			1,190				(1,190	)			—
Total noninterest income by segment			10,368				10,122				20,490
Total income by segment			150,562				37,120				187,682
Expense:
Interest expense - deposits			36,743				8				36,751
Interest expense - borrowings			5,196				—				5,196
Interest expense - subordinated note			1,581				361				1,942
Interest expense - intersegment			(15,063	)			15,063				—
Total interest expense by segment			28,457				15,432				43,889
Provision for credit losses by segment			3,494				1,280				4,774
Salaries and benefits			25,623				9,749				35,372
Overhead allocation			21,266				6,109				27,375
Other segment items (1)			26,878				4,122				31,000
Total noninterest expense by segment			73,767				19,980				93,747
Income before provision for income taxes by segment			44,844				428				45,272
Provision for income taxes by segment			(9,132	)			(87	)			(9,219	)
Net income by segment		$	35,712			$	341			$	36,053
Other segment disclosures:
Segment assets		$	2,420,930			$	551,739			$	2,972,669
FTEs			447				123				570

		At or For the Year Ended December 31, 2022
		Commercial
		and Consumer
Income:		Banking				Home Lending				Total
Interest income - loans receivable, including fees		$	92,799			$	18,849			$	111,648
Interest income - other interest earnings assets			7,046				—				7,046
Total interest income by segment			99,845				18,849				118,694
Gain on sale of loans			358				7,559				7,917
Other income			8,553				1,638				10,191
Intersegment income			1,247				(1,247	)			—
Total noninterest income by segment			10,158				7,950				18,108
Total income by segment			110,003				26,799				136,802
Expense:
Interest expense - deposits			9,413				7				9,420
Interest expense - borrowings			3,052				—				3,052
Interest expense - subordinated note			1,609				333				1,942
Interest expense - intersegment			(7,587	)			7,587				—
Total interest expense by segment			6,487				7,927				14,414
Provision for credit losses by segment			5,064				1,153				6,217
Salaries and benefits			25,798				9,588				35,386
Corporate overhead allocation			16,904				6,216				23,120
Other segment items (1)			17,021				3,656				20,677
Total noninterest expense by segment			59,723				19,460				79,183
Income (loss) before (provision) benefit for income taxes by segment			38,729				(1,741	)			36,988
(Provision) benefit for income taxes by segment			(7,684	)			345				(7,339	)
Net income (loss) by segment		$	31,045			$	(1,396	)		$	29,649
Other segment disclosures:
Segment assets		$	2,150,956			$	481,944			$	2,632,900
FTEs			405				132				537

X

- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 25
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-25

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 30
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-30

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- References

No definition available.

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