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SEGMENT INFORMATION | 9 Months Ended
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Sep. 30, 2025
Segment Reporting [Abstract] |
SEGMENT INFORMATION | SEGMENT INFORMATION The Company’s reportable segment is determined by the Chief Financial Officer, who is the designated chief operating decision maker (the “Chief Operating Decision Maker”), based upon information provided about the performance of products and services offered in its banking operations. Banking operations consist primarily of lending, deposit and investment activities. The segment is also distinguished by the level of information provided to the chief operating decision maker, who uses such information to review the performance of various components of the business. Components of the Company’s business include various lending and deposit product offerings, the Company’s investment portfolio, banking branches and market geographies. The Chief Operating Decision Maker will evaluate the financial performance of the Company’s business components, such as by evaluating revenue, interest margins, significant expenses, and budget to actual operating results in assessing the Company’s segment and in determining the allocation of resources. The Chief Operating Decision Maker uses consolidated net income to benchmark the Company against competitors. Loans, investments, and deposits provide the revenue streams of the banking operation. Interest expense, provisions for credit losses, and compensation costs provide the significant expenses of the operation. All operations are domestic.
|  | Three Months Ended |  | Nine Months Ended
|  | September 30, 2025 |  | September 30, 2024 |  | September 30, 2025 |  | September 30, 2024
Interest and dividend income |  | $ | 22,254 |  |  | $ | 22,512 |  |  | $ | 65,859 |  |  | $ | 67,654 |
Reconciliation of revenue |  |  |  |  |  |  |  |
Other Revenue |  | 3,022 |  |  | 2,921 |  |  | 8,451 |  |  | 8,098 |
Total consolidated revenues |  | 25,276 |  |  | 25,433 |  |  | 74,310 |  |  | 75,752 |
Less: |  |  |  |  |  |  |  |
Interest expense |  | 9,040 |  |  | 11,227 |  |  | 27,740 |  |  | 32,888 |
Segment net interest income and non-interest income |  | 16,236 |  |  | 14,206 |  |  | 46,570 |  |  | 42,864 |
Less: |  |  |  |  |  |  |  |
Provision for credit losses |  | 650 |  |  | (400) |  |  | 1,750 |  |  | (2,725) |
Compensation and related benefits (expense) |  | 6,341 |  |  | 5,743 |  |  | 17,946 |  |  | 16,901 |
Other expenses |  | 4,710 |  |  | 4,678 |  |  | 14,318 |  |  | 14,596 |
Provision for income taxes (expense) |  | 853 |  |  | 899 |  |  | 2,407 |  |  | 3,043 |
Segment net income/consolidated net income |  | $ | 3,682 |  |  | $ | 3,286 |  |  | $ | 10,149 |  |  | $ | 11,049 |
Other segment disclosures: |  |  |  |  |  |  |  |
Interest income |  | $ | 22,254 |  |  | $ | 22,512 |  |  | $ | 65,859 |  |  | $ | 67,654 |
Interest expense |  | $ | 9,040 |  |  | $ | 11,227 |  |  | $ | 27,740 |  |  | $ | 32,888 |
Depreciation |  | $ | 505 |  |  | $ | 531 |  |  | $ | 1,549 |  |  | $ | 1,644 |
Amortization |  | $ | 113 |  |  | $ | 178 |  |  | $ | 471 |  |  | $ | 536 |
Other significant noncash items: |  |  |  |  |  |  |  |
Provision for credit losses |  | $ | 650 |  |  | $ | (400) |  |  | $ | 1,750 |  |  | $ | (2,725) |
Reconciliation of assets: |  | September 30, 2025 |  | September 30, 2024 |  | September 30, 2025 |  | September 30, 2024
Total assets for reportable segments |  | $ | 1,726,987 |  |  | $ | 1,799,137 |  |  | $ | 1,726,987 |  |  | $ | 1,799,137 |
Other assets |  | — |  |  | — |  |  | — |  |  | — |
Total consolidated assets |  | $ | 1,726,987 |  |  | $ | 1,799,137 |  |  | $ | 1,726,987 |  |  | $ | 1,799,137 |

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- Definition The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 21 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-21 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name 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