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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
INTEREST INCOME    
Loans $ 29,618 $ 29,984
Taxable securities 1,371 1,186
Other interest income 1,303 1,667
Total interest income 32,292 32,837
INTEREST EXPENSE    
Savings, NOW and money market deposits 9,552 11,455
Time deposits 4,730 5,320
Borrowings 1,648 1,433
Total interest expense 15,930 18,208
Net interest income 16,362 14,629
Provision for credit losses 530 600
Net interest income after provision for credit losses 15,832 14,029
NON-INTEREST INCOME    
Total non-interest income 2,744 3,732
NON-INTEREST EXPENSE    
Salaries and employee benefits 10,127 7,232
Conversion expenses   3,180
Occupancy and equipment 2,068 1,836
Data processing 422 593
Professional fees 906 787
Federal deposit insurance premiums 362 337
Other expenses 1,721 2,031
Total non-interest expense 15,606 15,996
Income before income tax expense 2,970 1,765
Income tax expense 1,096 244
NET INCOME $ 1,874 $ 1,521
Earnings per share:    
BASIC (in dollars per share) $ 0.25 $ 0.2
DILUTED (in dollars per share) $ 0.25 $ 0.2
Loan servicing and fee income    
NON-INTEREST INCOME    
Revenue from contracts with customers, not included within the scope of ASC 606 $ 1,042 $ 1,081
Service charges on deposit accounts    
NON-INTEREST INCOME    
Revenue from contracts with customers, not included within the scope of ASC 606 250 117
Gain on sale of loans held-for-sale    
NON-INTEREST INCOME    
Revenue from contracts with customers, not included within the scope of ASC 606 1,443 2,352
Other income    
NON-INTEREST INCOME    
Revenue from contracts with customers, not included within the scope of ASC 606 $ 9 $ 182