CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 70,447	$ 71,058
Interest bearing deposits with banks	102,120	141,505
Total cash and cash equivalents	172,567	212,563
Securities available-for-sale, amortized cost $879,082 and $490,992, respectively	870,161	464,414
Securities held-to-maturity, fair value $604,131 and $610,953, respectively	734,628	769,443
Allowance for credit losses - securities held-to-maturity	(450)	(450)
Total investment securities	1,604,339	1,233,407
Non-marketable securities	15,549	15,549
Loans and leases held for investment, net of unearned income	3,608,346	3,678,388
Allowance for credit losses - loans and leases	(75,963)	(75,283)
Loans and leases held for investment, net	3,532,383	3,603,105
Bank-owned life insurance	75,954	74,085
Premises and equipment, net	54,369	51,367
Deferred income tax assets and income taxes receivable	28,224	36,729
Accrued interest receivable	31,505	30,152
Goodwill	11,183	11,183
Other intangibles	1,295	1,687
Other real estate owned	873	873
Other assets	101,626	99,496
Total Assets	5,629,867	5,370,196
Deposits:
Non-interest bearing	1,581,097	1,518,267
Interest bearing:
Demand	797,507	882,123
Savings and money market	1,757,896	1,583,202
Certificates of deposit	748,514	715,547
Total interest bearing	3,303,917	3,180,872
Total deposits	4,885,014	4,699,139
Subordinated debentures	10,310	10,310
Interest payable and other liabilities	89,291	87,675
Total Liabilities	4,984,615	4,797,124
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, 726,294 and 699,798 issued and 721,411 and 699,798 outstanding at September 30, 2025 and December 31, 2024, respectively	7	7
Additional paid-in capital	8,201	0
Retained earnings	648,916	592,431
Accumulated other comprehensive loss, net of taxes	(6,942)	(19,366)
Treasury stock, at cost; 4,883 shares at September 30, 2025 and 0 shares at December 31, 2024	(4,930)	0
TOTAL SHAREHOLDERS’ EQUITY	645,252	573,072
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 5,629,867	$ 5,370,196