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v3.25.3

Note 12 - Segment Reporting (Tables) | 9 Months Ended
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Sep. 30, 2025
Notes Tables |
Reconciliation of Revenue from Segments to Consolidated [Table Text Block] |
|  | As of or for the three months ended September 30, 2025 |
|  |  |  |  |  |  |  |  |  | Holding |  |  |  |  |
|  | Community |  |  | Mortgage |  |  | Company and |  |  |  |  |
|  | Banking |  |  | Banking |  |  | Other |  |  | Consolidated |
|  | (In Thousands) |
Net interest income |  | $ | 14,617 |  |  | $ | 103 |  |  | $ | 19 |  |  | $ | 14,739 |
Provision (credit) for credit losses |  |  | (276 | ) |  |  | 7 |  |  |  | - |  |  |  | (269 | )
Net interest income after provision (credit) for credit losses |  |  | 14,893 |  |  |  | 96 |  |  |  | 19 |  |  |  | 15,008 |
Noninterest income: |  |  | 1,359 |  |  |  | 20,985 |  |  |  | (42 | ) |  |  | 22,302 |
Noninterest expenses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Compensation, payroll taxes, and other employee benefits |  |  | 5,036 |  |  |  | 15,716 |  |  |  | (218 | ) |  |  | 20,534 |
Occupancy, office furniture and equipment |  |  | 907 |  |  |  | 781 |  |  |  | - |  |  |  | 1,688 |
Advertising |  |  | 213 |  |  |  | 499 |  |  |  | - |  |  |  | 712 |
Data processing |  |  | 733 |  |  |  | 475 |  |  |  | 2 |  |  |  | 1,210 |
Communications |  |  | 108 |  |  |  | 141 |  |  |  | - |  |  |  | 249 |
Professional fees |  |  | 200 |  |  |  | 180 |  |  |  | - |  |  |  | 380 |
Real estate owned |  |  | 4 |  |  |  | - |  |  |  | - |  |  |  | 4 |
Loan processing expense |  |  | - |  |  |  | 688 |  |  |  | - |  |  |  | 688 |
Other |  |  | 617 |  |  |  | 1,271 |  |  |  | 113 |  |  |  | 2,001 |
Total noninterest expenses |  |  | 7,818 |  |  |  | 19,751 |  |  |  | (103 | ) |  |  | 27,466 |
Income before income tax expense |  |  | 8,434 |  |  |  | 1,330 |  |  |  | 80 |  |  |  | 9,844 |
Income tax expense |  |  | 1,518 |  |  |  | 382 |  |  |  | 18 |  |  |  | 1,918 |
Net income |  | $ | 6,916 |  |  | $ | 948 |  |  | $ | 62 |  |  | $ | 7,926 |
Total Assets |  | $ | 2,501,480 |  |  | $ | 169,697 |  |  | $ | (402,008 | ) |  | $ | 2,269,169 |
|  | As of or for the three months ended September 30, 2024 |
|  |  |  |  |  |  |  |  |  | Holding |  |  |  |  |
|  | Community |  |  | Mortgage |  |  | Company and |  |  |  |  |
|  | Banking |  |  | Banking |  |  | Other |  |  | Consolidated |
|  | (In Thousands) |
Net interest income (expense) |  | $ | 12,250 |  |  | $ | (760 | ) |  | $ | 27 |  |  | $ | 11,517 |
Provision (credit) for credit losses |  |  | (302 | ) |  |  | (75 | ) |  |  | - |  |  |  | (377 | )
Net interest income (expense) after provision (credit) for credit losses |  |  | 12,552 |  |  |  | (685 | ) |  |  | 27 |  |  |  | 11,894 |
Noninterest income: |  |  | 1,227 |  |  |  | 21,386 |  |  |  | (61 | ) |  |  | 22,552 |
Noninterest expenses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Compensation, payroll taxes, and other employee benefits |  |  | 5,326 |  |  |  | 15,930 |  |  |  | (239 | ) |  |  | 21,017 |
Occupancy, office furniture and equipment |  |  | 904 |  |  |  | 953 |  |  |  | - |  |  |  | 1,857 |
Advertising |  |  | 311 |  |  |  | 615 |  |  |  | - |  |  |  | 926 |
Data processing |  |  | 720 |  |  |  | 570 |  |  |  | 7 |  |  |  | 1,297 |
Communications |  |  | 80 |  |  |  | 152 |  |  |  | - |  |  |  | 232 |
Professional fees |  |  | 190 |  |  |  | 379 |  |  |  | - |  |  |  | 569 |
Real estate owned |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Loan processing expense |  |  | - |  |  |  | 697 |  |  |  | - |  |  |  | 697 |
Other |  |  | 602 |  |  |  | 1,261 |  |  |  | 102 |  |  |  | 1,965 |
Total noninterest expenses |  |  | 8,133 |  |  |  | 20,557 |  |  |  | (130 | ) |  |  | 28,560 |
Income before income tax expense |  |  | 5,646 |  |  |  | 144 |  |  |  | 96 |  |  |  | 5,886 |
Income tax expense |  |  | 941 |  |  |  | 194 |  |  |  | 23 |  |  |  | 1,158 |
Net income (loss) |  | $ | 4,705 |  |  | $ | (50 | ) |  | $ | 73 |  |  | $ | 4,728 |
Total Assets |  | $ | 2,472,126 |  |  | $ | 193,726 |  |  | $ | (421,516 | ) |  | $ | 2,244,336 |
|  | As of or for the nine months ended September 30, 2025 |
|  |  |  |  |  |  |  |  |  | Holding |  |  |  |  |
|  | Community |  |  | Mortgage |  |  | Company and |  |  |  |  |
|  | Banking |  |  | Banking |  |  | Other |  |  | Consolidated |
|  | (In Thousands) |
Net interest income |  | $ | 40,660 |  |  | $ | 308 |  |  | $ | 55 |  |  | $ | 41,023 |
Provision (credit) for credit losses |  |  | (813 | ) |  |  | (23 | ) |  |  | - |  |  |  | (836 | )
Net interest income after provision (credit) for credit losses |  |  | 41,473 |  |  |  | 331 |  |  |  | 55 |  |  |  | 41,859 |
Noninterest income: |  |  | 4,393 |  |  |  | 59,359 |  |  |  | (24 | ) |  |  | 63,728 |
Noninterest expenses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Compensation, payroll taxes, and other employee benefits |  |  | 15,275 |  |  |  | 44,082 |  |  |  | (655 | ) |  |  | 58,702 |
Occupancy, office furniture and equipment |  |  | 2,903 |  |  |  | 2,467 |  |  |  | - |  |  |  | 5,370 |
Advertising |  |  | 603 |  |  |  | 1,578 |  |  |  | - |  |  |  | 2,181 |
Data processing |  |  | 2,251 |  |  |  | 1,480 |  |  |  | 4 |  |  |  | 3,735 |
Communications |  |  | 307 |  |  |  | 434 |  |  |  | - |  |  |  | 741 |
Professional fees |  |  | 743 |  |  |  | 1,856 |  |  |  | 17 |  |  |  | 2,616 |
Real estate owned |  |  | (14 | ) |  |  | - |  |  |  | - |  |  |  | (14 | )
Loan processing expense |  |  | - |  |  |  | 2,425 |  |  |  | - |  |  |  | 2,425 |
Other |  |  | 1,679 |  |  |  | 4,252 |  |  |  | 506 |  |  |  | 6,437 |
Total noninterest expenses |  |  | 23,747 |  |  |  | 58,574 |  |  |  | (128 | ) |  |  | 82,193 |
Income before income tax expense |  |  | 22,119 |  |  |  | 1,116 |  |  |  | 159 |  |  |  | 23,394 |
Income tax expense |  |  | 4,345 |  |  |  | 325 |  |  |  | 35 |  |  |  | 4,705 |
Net income |  | $ | 17,774 |  |  | $ | 791 |  |  | $ | 124 |  |  | $ | 18,689 |
|  | As of or for the nine months ended September 30, 2024 |
|  |  |  |  |  |  |  |  |  | Holding |  |  |  |  |
|  | Community |  |  | Mortgage |  |  | Company and |  |  |  |  |
|  | Banking |  |  | Banking |  |  | Other |  |  | Consolidated |
|  | (In Thousands) |
Net interest income (expense) |  | $ | 35,082 |  |  | $ | (1,853 | ) |  | $ | 104 |  |  | $ | 33,333 |
Provision (credit) for credit losses |  |  | (476 | ) |  |  | (59 | ) |  |  | - |  |  |  | (535 | )
Net interest income (expense) after provision (credit) for credit losses |  |  | 35,558 |  |  |  | (1,794 | ) |  |  | 104 |  |  |  | 33,868 |
Noninterest income: |  |  | 3,708 |  |  |  | 66,795 |  |  |  | (206 | ) |  |  | 70,297 |
Noninterest expenses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Compensation, payroll taxes, and other employee benefits |  |  | 15,802 |  |  |  | 47,572 |  |  |  | (719 | ) |  |  | 62,655 |
Occupancy, office furniture and equipment |  |  | 2,887 |  |  |  | 3,107 |  |  |  | - |  |  |  | 5,994 |
Advertising |  |  | 714 |  |  |  | 2,113 |  |  |  | - |  |  |  | 2,827 |
Data processing |  |  | 2,100 |  |  |  | 1,627 |  |  |  | 18 |  |  |  | 3,745 |
Communications |  |  | 217 |  |  |  | 481 |  |  |  | - |  |  |  | 698 |
Professional fees |  |  | 575 |  |  |  | 1,468 |  |  |  | 27 |  |  |  | 2,070 |
Real estate owned |  |  | 14 |  |  |  | - |  |  |  | - |  |  |  | 14 |
Loan processing expense |  |  | - |  |  |  | 2,604 |  |  |  | - |  |  |  | 2,604 |
Other |  |  | 1,965 |  |  |  | 3,519 |  |  |  | 278 |  |  |  | 5,762 |
Total noninterest expenses |  |  | 24,274 |  |  |  | 62,491 |  |  |  | (396 | ) |  |  | 86,369 |
Income before income tax expense |  |  | 14,992 |  |  |  | 2,510 |  |  |  | 294 |  |  |  | 17,796 |
Income tax expense |  |  | 3,298 |  |  |  | 949 |  |  |  | 71 |  |  |  | 4,318 |
Net income |  | $ | 11,694 |  |  | $ | 1,561 |  |  | $ | 223 |  |  | $ | 13,478 |

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