CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 71,058	$ 72,267
Interest bearing deposits with banks	141,505	338,375
Total cash and cash equivalents	212,563	410,642
Securities available-for-sale, amortized cost $490,992 and $199,374, respectively	464,414	182,512
Securities held-to-maturity, fair value $610,953 and $671,585, respectively	769,443	817,688
Allowance for credit losses - securities held-to-maturity	(450)	(450)
Total investment securities	1,233,407	999,750
Non-marketable securities	15,549	15,549
Loans and leases held for investment, net of unearned income	3,678,388	3,654,689
Allowance for credit losses - loans and leases	(75,283)	(74,965)
Loans held for investment, net	3,603,105	3,579,724
Bank-owned life insurance	74,085	74,931
Premises and equipment, net	51,367	51,907
Deferred income tax assets and income taxes receivable	36,729	50,071
Accrued interest receivable	30,152	28,520
Goodwill	11,183	11,183
Other intangibles	1,687	2,236
Other real estate owned	873	873
Other assets	99,496	83,542
TOTAL ASSETS	5,370,196	5,308,928
Deposits:
Non-interest bearing	1,518,267	1,482,571
Interest bearing:
Demand	882,123	933,417
Savings and money market	1,583,202	1,607,479
Certificates of deposit	715,547	644,628
Total interest bearing	3,180,872	3,185,524
Total deposits	4,699,139	4,668,095
Subordinated debentures	10,310	10,310
Interest payable and other liabilities	87,675	80,768
TOTAL LIABILITIES	4,797,124	4,759,173
COMMITMENTS AND CONTINGENCIES (Note 12)
SHAREHOLDERS' EQUITY
Preferred shares, no par value, 1,000,000 shares authorized and, none issued or outstanding	0	0
Common shares, $0.01 par value, 7,500,000 authorized, 699,798 and 747,971 issued and outstanding at December 31, 2024 and 2023, respectively	7	7
Additional paid-in capital	0	36,852
Retained earnings	592,431	525,360
Accumulated other comprehensive loss, net of taxes	(19,366)	(12,464)
TOTAL SHAREHOLDERS' EQUITY	573,072	549,755
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 5,370,196	$ 5,308,928