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Business Segments - Segment Reporting (Details) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Business Segments    
Interest income $ 35,988 $ 32,708
Interest expense 10,978 9,550
Net interest income before allocation 25,010 23,158
Net interest income 25,010 23,158
Gains on sales of loans 1,847 1,288
Other noninterest income 5,726 6,204
Net revenue 32,583 30,650
Provision for credit losses 3,000 3,500
Salaries and employee benefits 13,483 14,252
Occupancy expense 2,193 2,132
Data processing 2,866 2,829
Professional fees 921 915
Insurance expense 491 406
Marketing and advertising expenses 529 168
Loan processing and collection expenses 683 628
Provision for indemnifications (25) (140)
Other segment items 1,918 1,960
Total noninterest expense 23,059 23,150
Income before income taxes 6,524 4,000
Income tax expense (benefit) 1,129 565
Net income 5,395 3,435
Capital expenditures 267 485
Depreciation and amortization 988 937
Operating Segments | Community Banking    
Business Segments    
Interest income 23,384 20,322
Interest expense 10,381 9,005
Net interest income before allocation 13,003 11,317
Net interest allocation 5,754 5,847
Net interest income 18,757 17,164
Other noninterest income 4,230 4,110
Net revenue 22,987 21,274
Provision for credit losses 100 500
Salaries and employee benefits 9,279 9,443
Occupancy expense 1,830 1,743
Data processing 2,342 2,231
Professional fees 724 709
Insurance expense 416 337
Marketing and advertising expenses 384 51
Loan processing and collection expenses 42 48
Other segment items 1,215 1,354
Total noninterest expense 16,232 15,916
Income before income taxes 6,655 4,858
Income tax expense (benefit) 1,210 846
Net income 5,445 4,012
Capital expenditures 236 293
Depreciation and amortization $ 875 $ 838
Other segment items for reportable segments Community banking – licenses and other taxes expense, travel and education expense, telecommunications expense, other real estate owned losses and expense, net periodic pension cost, office supplies, and certain overhead expenses. Community banking – licenses and other taxes expense, travel and education expense, telecommunications expense, other real estate owned losses and expense, net periodic pension cost, office supplies, and certain overhead expenses.
Operating Segments | Mortgage Banking    
Business Segments    
Interest income $ 339 $ 281
Net interest income before allocation 339 281
Net interest allocation (72) (44)
Net interest income 267 237
Gains on sales of loans 1,985 1,481
Other noninterest income 1,136 1,048
Net revenue 3,388 2,766
Salaries and employee benefits 1,792 1,599
Occupancy expense 213 232
Data processing 226 240
Professional fees 26 20
Insurance expense 30 30
Marketing and advertising expenses 140 103
Loan processing and collection expenses 230 184
Provision for indemnifications (25) (140)
Other segment items 177 105
Total noninterest expense 2,809 2,373
Income before income taxes 579 393
Income tax expense (benefit) 148 99
Net income 431 294
Capital expenditures 31 81
Depreciation and amortization $ 33 $ 14
Other segment items for reportable segments Mortgage banking – licenses and other taxes expense, travel and education expense, telecommunications expense, office supplies, and certain overhead expenses. Mortgage banking – licenses and other taxes expense, travel and education expense, telecommunications expense, office supplies, and certain overhead expenses.
Operating Segments | Consumer Finance    
Business Segments    
Interest income $ 12,123 $ 12,025
Net interest income before allocation 12,123 12,025
Net interest allocation (5,682) (5,803)
Net interest income 6,441 6,222
Other noninterest income 177 255
Net revenue 6,618 6,477
Provision for credit losses 2,900 3,000
Salaries and employee benefits 1,977 2,144
Occupancy expense 150 157
Data processing 290 340
Professional fees 91 87
Insurance expense 45 39
Marketing and advertising expenses 5 14
Loan processing and collection expenses 411 396
Other segment items 436 383
Total noninterest expense 3,405 3,560
Income before income taxes 313 (83)
Income tax expense (benefit) 87 (20)
Net income 226 (63)
Capital expenditures   111
Depreciation and amortization $ 80 $ 85
Other segment items for reportable segments Consumer finance – licenses and taxes other expense, travel and education expense, telecommunications expense, payment processing expense, office supplies, and certain overhead expenses. Consumer finance – licenses and taxes other expense, travel and education expense, telecommunications expense, payment processing expense, office supplies, and certain overhead expenses.
Operating Segments | Other    
Business Segments    
Interest expense $ 597 $ 545
Net interest income before allocation (597) (545)
Net interest income (597) (545)
Other noninterest income 222 840
Net revenue (375) 295
Salaries and employee benefits 435 1,066
Data processing 8 18
Professional fees 80 99
Other segment items 107 134
Total noninterest expense 630 1,317
Income before income taxes (1,005) (1,022)
Income tax expense (benefit) (312) (328)
Net income (693) (694)
Eliminations    
Business Segments    
Interest income 142 80
Net interest income before allocation 142 80
Net interest income 142 80
Gains on sales of loans (138) (193)
Other noninterest income (39) (49)
Net revenue (35) (162)
Other segment items (17) (16)
Total noninterest expense (17) (16)
Income before income taxes (18) (146)
Income tax expense (benefit) (4) (32)
Net income $ (14) $ (114)