XML 155 R138.htm IDEA: XBRL DOCUMENT v3.25.0.1
Segment Information - Schedule of Segment Information (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Segment Reporting Information [Line Items]      
Interest income $ 153,919 $ 131,951 $ 100,328
Interest expense 40,736 28,695 5,213
Net Interest Income 113,183 103,256 95,115
Provision for credit losses 3,293 3,842 1,846
Net Interest Income After Provision for Credit Losses 109,890 99,414 93,269
Change in fair value of mortgage servicing rights:      
Mortgage banking income 24,002 12,763 21,572
Purchased receivable income 7,146 4,482 2,002
Total Other Operating Income 42,041 26,375 34,077
Salaries and other personnel expense 67,847 61,741 58,172
Data processing expense 10,986 9,821 8,926
Occupancy expense 7,609 7,394 6,915
Professional and outside services 4,351 3,128 2,993
Marketing expense 3,028 2,929 2,747
Insurance expense 2,961 2,519 2,054
Total Other Operating Expense 104,937 94,181 88,852
Income Before Provision for Income Taxes 46,994 31,608 38,494
Provision for income taxes 10,023 6,214 7,753
Net Income 36,971 25,394 30,741
Total assets 3,041,869 2,807,497 2,674,318
Loans held for sale 59,957 31,974 27,538
Loans 2,129,263 1,789,497  
Purchased receivables, net 74,078 36,842 19,994
Goodwill 50,018 15,017 15,017
Revenues 195,960 158,326 134,405
Segment gross profit 151,931 125,789 127,346
Residential real estate | 1-4 family residential properties secured by first liens      
Change in fair value of mortgage servicing rights:      
Loans 270,966 203,738 203,738
Community Banking      
Change in fair value of mortgage servicing rights:      
Total Other Operating Expense 73,085 69,253 62,496
Income Before Provision for Income Taxes 37,703 31,590 37,050
Provision for income taxes 7,359 6,175 7,293
Net Income 30,344 25,415 29,757
Total assets 2,547,709 2,496,910 2,523,092
Loans held for sale 0 0 0
Purchased receivables, net 0 0 0
Goodwill 7,525 7,525 7,525
Revenues 147,455 130,985 106,548
Segment gross profit 110,788 100,843 99,546
Community Banking | Residential real estate | 1-4 family residential properties secured by first liens      
Change in fair value of mortgage servicing rights:      
Loans 0 0 0
Home Mortgage Lending      
Change in fair value of mortgage servicing rights:      
Total Other Operating Expense 27,624 23,497 24,950
Income Before Provision for Income Taxes 6,714 (3,436) (1,185)
Provision for income taxes 1,934 (943) (288)
Net Income 4,780 (2,493) (897)
Total assets 357,630 267,706 131,232
Loans held for sale 59,957 31,974 27,538
Purchased receivables, net 0 0 0
Goodwill 7,492 7,492 7,492
Revenues 40,479 22,456 23,822
Segment gross profit 34,338 20,061 23,765
Home Mortgage Lending | Residential real estate | 1-4 family residential properties secured by first liens      
Change in fair value of mortgage servicing rights:      
Loans 270,966 203,738 203,738
Specialty Finance      
Change in fair value of mortgage servicing rights:      
Total Other Operating Expense 4,228 1,431 1,406
Income Before Provision for Income Taxes 2,577 3,454 2,629
Provision for income taxes 730 982 748
Net Income 1,847 2,472 1,881
Total assets 136,530 42,881 19,994
Loans held for sale 0 0 0
Purchased receivables, net 74,078 36,842 19,994
Goodwill 35,001 0 0
Revenues 8,026 4,885 4,035
Segment gross profit 6,805 4,885 4,035
Specialty Finance | Residential real estate | 1-4 family residential properties secured by first liens      
Change in fair value of mortgage servicing rights:      
Loans 0 0 0
Operating Segments      
Segment Reporting Information [Line Items]      
Interest income 153,919 131,951 100,328
Interest expense 40,736 28,695 5,213
Net Interest Income 113,183 103,256 95,115
Provision for credit losses 3,293 3,842 1,846
Net Interest Income After Provision for Credit Losses 109,890 99,414 93,269
Net realized gains on mortgage loans sold 13,994 7,828 13,873
Change in fair value of mortgage loan commitments, net 172 (102) (1,035)
Total production revenue 14,166 7,726 12,838
Mortgage servicing revenue 9,155 7,368 7,944
Change in fair value of mortgage servicing rights:      
Due to changes in model inputs of assumptions 1,334 (922) 1,615
Other (1,535) (1,765) (1,327)
Total mortgage servicing revenue, net 8,954 4,681 8,232
Other mortgage banking revenue 882 356 502
Mortgage banking income 24,002 12,763 21,572
Purchased receivable income 7,146 4,482 2,002
Other operating income 10,893 9,130 10,503
Total Other Operating Income 42,041    
Salaries and other personnel expense 67,847 61,741 58,172
Data processing expense 10,986 9,821 8,926
Occupancy expense 7,609 7,394 6,915
Professional and outside services 4,351 3,128 2,993
Marketing expense 3,028 2,929 2,747
Insurance expense 2,961 2,519 2,054
Other operating expense 8,155 6,649 7,045
Total Other Operating Expense 108,560 98,874 90,222
Revenues 199,583 163,019 135,775
Operating Segments | Community Banking      
Segment Reporting Information [Line Items]      
Interest income 136,495 121,855 96,045
Interest expense 34,391 26,300 5,156
Net Interest Income 102,104 95,555 90,889
Provision for credit losses 2,276 3,842 1,846
Net Interest Income After Provision for Credit Losses 99,828 91,713 89,043
Net realized gains on mortgage loans sold 0 0 0
Change in fair value of mortgage loan commitments, net 0 0 0
Total production revenue 0 0 0
Mortgage servicing revenue 0 0 0
Change in fair value of mortgage servicing rights:      
Due to changes in model inputs of assumptions 0 0 0
Other 0 0 0
Total mortgage servicing revenue, net 0 0 0
Other mortgage banking revenue 0 0 0
Mortgage banking income 0 0 0
Purchased receivable income 0 0 0
Other operating income 10,960 9,130 10,503
Total Other Operating Income 10,960 9,130 10,503
Salaries and other personnel expense 44,864 42,795 37,963
Data processing expense 9,918 9,091 8,104
Occupancy expense 5,534 5,432 4,993
Professional and outside services 2,284 2,305 2,026
Marketing expense 2,518 2,465 2,317
Insurance expense 2,690 2,423 1,986
Other operating expense 5,277 4,742 5,107
Total Other Operating Expense 76,708 73,946 63,866
Revenues 147,455 130,985 106,548
Operating Segments | Home Mortgage Lending      
Segment Reporting Information [Line Items]      
Interest income 16,477 9,693 2,250
Interest expense 5,249 2,395 57
Net Interest Income 11,228 7,298 2,193
Provision for credit losses 892 0 0
Net Interest Income After Provision for Credit Losses 10,336 7,298 2,193
Net realized gains on mortgage loans sold 13,994 7,828 13,873
Change in fair value of mortgage loan commitments, net 172 (102) (1,035)
Total production revenue 14,166 7,726 12,838
Mortgage servicing revenue 9,155 7,368 7,944
Change in fair value of mortgage servicing rights:      
Due to changes in model inputs of assumptions 1,334 (922) 1,615
Other (1,535) (1,765) (1,327)
Total mortgage servicing revenue, net 8,954 4,681 8,232
Other mortgage banking revenue 882 356 502
Mortgage banking income 24,002 12,763 21,572
Purchased receivable income 0 0 0
Other operating income 0 0 0
Total Other Operating Income 24,002 12,763 21,572
Salaries and other personnel expense 20,968 17,873 19,304
Data processing expense 966 692 618
Occupancy expense 1,927 1,839 1,819
Professional and outside services 827 751 895
Marketing expense 499 462 427
Insurance expense 101 96 68
Other operating expense 2,336 1,784 1,819
Total Other Operating Expense 27,624 23,497 24,950
Revenues 44,102 27,149 25,192
Operating Segments | Specialty Finance      
Segment Reporting Information [Line Items]      
Interest income 947 403 2,033
Interest expense 1,096 0 0
Net Interest Income (149) 403 2,033
Provision for credit losses 125 0 0
Net Interest Income After Provision for Credit Losses (274) 403 2,033
Net realized gains on mortgage loans sold 0 0 0
Change in fair value of mortgage loan commitments, net 0 0 0
Total production revenue 0 0 0
Mortgage servicing revenue 0 0 0
Change in fair value of mortgage servicing rights:      
Due to changes in model inputs of assumptions 0 0 0
Other 0 0 0
Total mortgage servicing revenue, net 0 0 0
Other mortgage banking revenue 0 0 0
Mortgage banking income 0 0 0
Purchased receivable income 7,146 4,482 2,002
Other operating income (67) 0 0
Total Other Operating Income 7,079 4,482 2,002
Salaries and other personnel expense 2,015 1,073 905
Data processing expense 102 38 204
Occupancy expense 148 123 103
Professional and outside services 1,240 72 72
Marketing expense 11 2 3
Insurance expense 170 0 0
Other operating expense 542 123 119
Total Other Operating Expense 4,228 1,431 1,406
Revenues 8,026 4,885 4,035
Intersegment Eliminations      
Change in fair value of mortgage servicing rights:      
Mortgage banking income (3,623) (4,693) (1,370)
Total Other Operating Expense (3,623) (4,693) (1,370)
Revenues (3,623) (4,693) (1,370)
Intersegment Eliminations | Community Banking      
Change in fair value of mortgage servicing rights:      
Mortgage banking income 0 0 0
Total Other Operating Expense (3,623) (4,693) (1,370)
Revenues 0 0 0
Intersegment Eliminations | Home Mortgage Lending      
Change in fair value of mortgage servicing rights:      
Mortgage banking income (3,623) (4,693) (1,370)
Total Other Operating Expense 0 0 0
Revenues (3,623) (4,693) (1,370)
Intersegment Eliminations | Specialty Finance      
Change in fair value of mortgage servicing rights:      
Mortgage banking income 0 0 0
Total Other Operating Expense 0 0 0
Revenues $ 0 $ 0 $ 0