XML 76 R66.htm IDEA: XBRL DOCUMENT v3.25.3
Business Segments - Segment Reporting (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Business Segments        
Interest income $ 38,783 $ 36,131 $ 112,178 $ 103,151
Interest expense 11,609 11,442 33,486 31,476
Net interest income before allocation 27,174 24,689 78,692 71,675
Net interest income 27,174 24,689 78,692 71,675
Gains on sales of loans 1,896 1,825 6,201 4,814
Other noninterest income 6,948 6,947 20,064 18,774
Net revenue 36,018 33,461 104,957 95,263
Provision for credit losses 2,900 3,700 8,000 9,750
Salaries and employee benefits 14,420 13,921 42,749 41,625
Occupancy expense 2,245 2,091 6,537 6,286
Data processing 3,026 2,893 8,881 8,685
Professional fees 901 868 2,823 2,667
Insurance expense 399 415 1,306 1,230
Marketing and advertising expenses 660 460 1,738 944
Loan processing and collection expenses 831 718 2,259 2,021
Provision for indemnifications (75) (100) (135) (375)
Other segment items 1,883 1,825 5,821 5,531
Total noninterest expense 24,290 23,091 71,979 68,614
Income before income taxes 8,828 6,670 24,978 16,899
Income tax expense (benefit) 1,715 1,250 4,703 3,010
Net income 7,113 5,420 20,275 13,889
Capital expenditures 740 2,032 1,573 3,056
Depreciation and amortization 968 945 2,952 2,841
Operating Segments [Member] | Community Banking        
Business Segments        
Interest income 25,610 22,755 73,372 64,374
Interest expense 10,498 10,822 31,022 29,768
Net interest income before allocation 15,112 11,933 42,350 34,606
Net interest allocation 6,080 6,332 17,944 18,317
Net interest income 21,192 18,265 60,294 52,923
Other noninterest income 4,430 4,599 13,038 12,874
Net revenue 25,622 22,864 73,332 65,797
Provision for credit losses (100) 700 (300) 1,650
Salaries and employee benefits 9,503 8,860 28,203 27,420
Occupancy expense 1,878 1,723 5,377 5,139
Data processing 2,365 2,307 7,007 6,903
Professional fees 642 682 2,046 2,091
Insurance expense 350 349 1,111 1,036
Marketing and advertising expenses 496 332 1,295 588
Loan processing and collection expenses 46 84 114 185
Other segment items 1,310 1,250 3,944 3,791
Total noninterest expense 16,590 15,587 49,097 47,153
Income before income taxes 9,132 6,577 24,535 16,994
Income tax expense (benefit) 1,754 1,240 4,596 3,074
Net income 7,378 5,337 19,939 13,920
Capital expenditures 698 2,026 1,416 2,842
Depreciation and amortization $ 851 $ 843 $ 2,604 $ 2,536
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. 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 [Member] | Mortgage Banking        
Business Segments        
Interest income $ 625 $ 597 $ 1,696 $ 1,411
Net interest income before allocation 625 597 1,696 1,411
Net interest allocation (287) (307) (733) (595)
Net interest income 338 290 963 816
Gains on sales of loans 2,074 1,704 6,632 5,048
Other noninterest income 1,546 1,203 4,382 3,443
Net revenue 3,958 3,197 11,977 9,307
Salaries and employee benefits 1,899 1,829 5,662 5,392
Occupancy expense 222 203 725 670
Data processing 324 256 908 743
Professional fees 83 30 176 70
Insurance expense 15 31 82 81
Marketing and advertising expenses 152 122 417 328
Loan processing and collection expenses 335 244 892 678
Provision for indemnifications (75) (100) (135) (375)
Other segment items 144 110 502 351
Total noninterest expense 3,099 2,725 9,229 7,938
Income before income taxes 859 472 2,748 1,369
Income tax expense (benefit) 218 121 691 348
Net income 641 351 2,057 1,021
Capital expenditures 42 6 157 103
Depreciation and amortization $ 38 $ 18 $ 110 $ 52
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. 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 [Member] | Consumer Finance        
Business Segments        
Interest income $ 12,404 $ 12,676 $ 36,671 $ 37,084
Net interest income before allocation 12,404 12,676 36,671 37,084
Net interest allocation (5,793) (6,025) (17,211) (17,722)
Net interest income 6,611 6,651 19,460 19,362
Other noninterest income 149 197 475 678
Net revenue 6,760 6,848 19,935 20,040
Provision for credit losses 3,000 3,000 8,300 8,100
Salaries and employee benefits 1,934 2,007 5,929 6,188
Occupancy expense 145 165 435 477
Data processing 327 322 938 1,005
Professional fees 168 99 394 249
Insurance expense 34 35 113 113
Marketing and advertising expenses 12 6 26 28
Loan processing and collection expenses 450 390 1,253 1,158
Other segment items 369 394 1,169 1,145
Total noninterest expense 3,439 3,418 10,257 10,363
Income before income taxes 321 430 1,378 1,577
Income tax expense (benefit) 90 119 382 435
Net income 231 311 996 1,142
Capital expenditures       111
Depreciation and amortization $ 79 $ 84 $ 238 $ 253
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. 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 [Member] | Other Operating Segment [Member]        
Business Segments        
Interest expense $ 1,111 $ 620 $ 2,464 $ 1,708
Net interest income before allocation (1,111) (620) (2,464) (1,708)
Net interest income (1,111) (620) (2,464) (1,708)
Other noninterest income 874 1,019 2,321 1,978
Net revenue (237) 399 (143) 270
Salaries and employee benefits 1,084 1,225 2,955 2,625
Data processing 10 8 28 34
Professional fees 8 57 207 257
Other segment items 72 88 253 291
Total noninterest expense 1,174 1,378 3,443 3,207
Income before income taxes (1,411) (979) (3,586) (2,937)
Income tax expense (benefit) (331) (265) (945) (825)
Net income (1,080) (714) (2,641) (2,112)
Intersegment Eliminations [Member]        
Business Segments        
Interest income 144 103 439 282
Net interest income before allocation 144 103 439 282
Net interest income 144 103 439 282
Gains on sales of loans (178) 121 (431) (234)
Other noninterest income (51) (71) (152) (199)
Net revenue (85) 153 (144) (151)
Other segment items (12) (17) (47) (47)
Total noninterest expense (12) (17) (47) (47)
Income before income taxes (73) 170 (97) (104)
Income tax expense (benefit) (16) 35 (21) (22)
Net income $ (57) $ 135 $ (76) $ (82)