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Note 13 - Business Segments (Tables)

9 Months Ended

Sep. 30, 2025

Notes Tables

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

		At or For the Three Months Ended September 30, 2025
Income:		Commercial and Consumer Banking				Home Lending				Total
Interest income - loans receivable, including fees		$	37,419			$	9,245			$	46,664
Interest income - other interest earnings assets			4,309				—				4,309
Total interest income by segment			41,728				9,245				50,973
Gain on sale of loans			63				2,376				2,439
Other income			2,338				817				3,155
Intersegment income			(323	)			323				—
Total noninterest income by segment			2,078				3,516				5,594
Total income by segment			43,806				12,761				56,567
Expense:
Interest expense - deposits			14,857				6				14,863
Interest expense - borrowings			1,935				—				1,935
Interest expense - subordinated note			384				101				485
Interest expense - intersegment			(6,259	)			6,259				—
Total interest expense by segment			10,917				6,366				17,283
Provision for credit losses by segment			2,150				159				2,309
Salaries and benefits			8,032				1,803				9,835
Overhead allocation			5,761				1,810				7,571
Other segment items (1)			6,342				1,640				7,982
Total noninterest expense by segment			20,135				5,253				25,388
Income before provision for income taxes by segment			10,604				983				11,587
Provision for income taxes by segment			(2,203	)			(207	)			(2,410	)
Net income by segment		$	8,401			$	776			$	9,177
Other segment disclosures:
Segment assets		$	2,546,789			$	662,036			$	3,208,825
FTEs			460				115				575

		At or For the Three Months Ended September 30, 2024
Income:		Commercial and Consumer Banking				Home Lending				Total
Interest income - loans receivable, including fees		$	35,591			$	8,209			$	43,800
Interest income - other interest earnings assets			3,243				—				3,243
Total interest income by segment			38,834				8,209				47,043
Gain on sale of loans			—				2,523				2,523
Gain on sale of MSRs			(372	)			513				141
Gain on sale of investment securities			11				—				11
Other income			2,433				859				3,292
Intersegment income			185				(185	)			—
Total noninterest income by segment			2,257				3,710				5,967
Total income by segment			41,091				11,919				53,010
Expense:
Interest expense - deposits			13,485				1				13,486
Interest expense - borrowings			1,828				—				1,828
Interest expense - subordinated note			384				101				485
Interest expense - intersegment			(5,475	)			5,475				—
Total interest expense by segment			10,222				5,577				15,799
Provision for credit losses by segment			1,331				182				1,513
Salaries and benefits			7,464				2,094				9,558
Overhead allocation			6,040				1,762				7,802
Other segment items (1)			6,695				1,777				8,472
Total noninterest expense by segment			20,199				5,633				25,832
Income before provision for income taxes by segment			9,339				527				9,866
(Provision) benefit for income taxes by segment			(71	)			491				420
Net income by segment		$	9,268			$	1,018			$	10,286
Other segment disclosures:
Segment assets		$	2,358,004			$	614,665			$	2,972,669
FTEs			442				117				559

		At or For the Nine Months Ended September 30, 2025
Income:		Commercial and Consumer Banking				Home Lending				Total
Interest income - loans receivable, including fees		$	108,430			$	26,574			$	135,004
Interest income - other interest earnings assets			11,459				—				11,459
Total interest income by segment			119,889				26,574				146,463
Gain on sale of loans			63				6,048				6,111
Other income			7,533				2,246				9,779
Intersegment income			(975	)			975				—
Total noninterest income by segment			6,621				9,269				15,890
Total income by segment			126,510				35,843				162,353
Expense:
Interest expense - deposits			42,430				10				42,440
Interest expense - borrowings			5,783				—				5,783
Interest expense - subordinated note			1,155				301				1,456
Interest expense - intersegment			(17,876	)			17,876				—
Total interest expense by segment			31,492				18,187				49,679
Provision for credit losses by segment			5,320				602				5,922
Salaries and benefits			23,571				6,061				29,632
Overhead allocation			17,323				5,463				22,786
Other segment items (1)			19,731				3,796				23,527
Total noninterest expense by segment			60,625				15,320				75,945
Income before provision for income taxes by segment			29,073				1,734				30,807
Provision for income taxes by segment			(5,517	)			(364	)			(5,881	)
Net income by segment		$	23,556			$	1,370			$	24,926
Other segment disclosures:
Segment assets		$	2,546,789			$	662,036			$	3,208,825
FTEs			460				115				575

		At or For the Nine Months Ended September 30, 2024
Income:		Commercial and Consumer Banking				Home Lending				Total
Interest income - loans receivable, including fees		$	104,438			$	22,765			$	127,203
Interest income - other interest earnings assets			10,660				—				10,660
Total interest income by segment			115,098				22,765				137,863
Gain on sale of loans			—				6,824				6,824
Gain on sale of MSRs			6,987				1,369				8,356
Loss on sale of investment securities			(7,836	)			—				(7,836	)
Other income			7,056				2,546				9,602
Intersegment income			712				(712	)			—
Total noninterest income by segment			6,919				10,027				16,946
Total income by segment			122,017				32,792				154,809
Expense:
Interest expense - deposits			39,615				5				39,620
Interest expense - borrowings			4,796				—				4,796
Interest expense - subordinated note			1,167				289				1,456
Interest expense - intersegment			(15,229	)			15,229				—
Total interest expense by segment			30,349				15,523				45,872
Provision for credit losses by segment			3,796				193				3,989
Salaries and benefits			22,557				6,182				28,739
Overhead allocation			16,278				4,797				21,075
Other segment items (1)			19,415				3,989				23,404
Total noninterest expense by segment			58,250				14,968				73,218
Income before provision for income taxes by segment			29,622				2,108				31,730
(Provision) benefit for income taxes by segment			(4,253	)			165				(4,088	)
Net income by segment		$	25,369			$	2,273			$	27,642
Other segment disclosures:
Segment assets		$	2,358,004			$	614,665			$	2,972,669
FTEs			442				117				559

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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