Segment Information (Tables)

9 Months Ended

Sep. 30, 2025

Segment Reporting [Abstract]

Schedule of Segment Information

Summarized financial information for the Company's reportable segments and the reconciliation to the consolidated financial results for the periods presented is shown in the following tables:

	Three Months Ended September 30, 2025
(In Thousands)	Community Banking	Home Mortgage Lending	Specialty Finance	Consolidated
Interest income	$40,743	$4,315	$920	$45,978
Interest expense	8,434	1,503	695	10,632
Net interest income	32,309	2,812	225	35,346
Provision (benefit) for credit losses	1,561	158	(3)	1,716
Net interest income after provision for credit losses	30,748	2,654	228	33,630
Net realized gains on mortgage loans sold	—	4,810	—	4,810
Change in fair value of mortgage loan commitments, net	—	371	—	371
Total production revenue	—	5,181	—	5,181
Mortgage servicing revenue	—	3,056	—	3,056
Change in fair value of mortgage servicing rights:
Due to changes in model inputs of assumptions	—	(638)	—	(638)
Other	—	(612)	—	(612)
Total mortgage servicing revenue, net	—	1,806	—	1,806
Other mortgage banking revenue	—	286	—	286
Total mortgage banking revenue	—	7,273	—	7,273
Purchased receivable income	—	—	7,269	7,269
Other operating income	17,107	—	(410)	16,697
Total other operating income	17,107	7,273	6,859	31,239
Salaries and other personnel expense	12,181	5,505	1,746	19,432
Data processing expense	2,826	269	145	3,240
Occupancy expense	1,359	493	69	1,921
Professional and outside services	713	249	150	1,112
Marketing expense	397	110	1	508
Insurance expense	780	22	—	802
Compensation expense - Sallyport acquisition payments	—	—	600	600
Other operating expense	1,709	717	259	2,685
Total other operating expense	19,965	7,365	2,970	30,300
Income before provision for income taxes	27,890	2,562	4,117	34,569
Provision for income taxes	5,634	706	1,164	7,504
Net income	$22,256	$1,856	$2,953	$27,065

Three Months Ended September 30, 2025
(In Thousands)	Community Banking	Home Mortgage Lending	Specialty Finance	Consolidated
Interest income	$40,743	$4,315	$920	$45,978
Mortgage banking income - external revenue	—	7,273	—	7,273
Mortgage banking income - intersegment revenues	—	527	—	527
Purchased receivable income	—	—	7,269	7,269
Other operating income	17,107	—	(410)	16,697
	57,850	12,115	7,779	77,744
Reconciliation of revenue
Elimination of intersegment revenues	—	(527)	—	(527)
Total consolidated revenues	$57,850	$11,588	$7,779	$77,217
Less:
Interest expense	8,434	1,503	695	10,632
Provision (benefit) for credit losses	1,561	158	(3)	1,716
Segment gross profit	47,855	9,927	7,087	64,869
Less(1):
Salaries and other personnel expense	$12,181	$5,505	$1,746	$19,432
Data processing expense	2,826	269	145	3,240
Occupancy expense	1,359	493	69	1,921
Professional and outside services	713	249	150	1,112
Marketing expense	397	110	1	508
Insurance expense	780	22	—	802
Compensation expense - Sallyport acquisition payments	—	—	600	600
Intersegment expense	527	—	—	527
Other segment items(2)	1,709	717	259	2,685
Segment expense	20,492	7,365	2,970	30,827
Reconciliation of expense
Elimination of intersegment expense	($527)	$—	$—	(527)
Total consolidated expense	$19,965	$7,365	$2,970	$30,300
Income before provision for income taxes	$27,890	$2,562	$4,117	$34,569

1The significant expense categories and amounts align with the segment-level information that is regularly provided to the chief operating decision maker. All expenses are allocated to a segment.

2Other segment items for each reportable segment include:

Community Banking: OREO (income) expense, net of rental income and gains on sale, director fees, operational charge offs net of recoveries, loan collection and collateral costs, and other miscellaneous operating costs related to community banking activities.

Home Mortgage Lending: OREO (income) expense, net of rental income and gains on sale related home mortgage loans, director fees related at RML, loan collection and collateral costs related to home mortgage loans, and other miscellaneous operating costs related to home mortgage lending activities.

Specialty Finance: miscellaneous operating costs related to specialty finance activities.

	Three Months Ended September 30, 2024
(In Thousands)	Community Banking	Home Mortgage Lending	Specialty Finance	Consolidated
Interest income	$34,862	$4,396	$158	$39,416
Interest expense	8,934	1,455	185	10,574
Net interest income	25,928	2,941	(27)	28,842
Provision (benefit) for credit losses	1,492	571	—	2,063
Net interest income after provision for credit losses	24,436	2,370	(27)	26,779
Net realized gains on mortgage loans sold	—	5,079	—	5,079
Change in fair value of mortgage loan commitments, net	—	60	—	60
Total production revenue	—	5,139	—	5,139
Mortgage servicing revenue	—	2,583	—	2,583
Change in fair value of mortgage servicing rights:
Due to changes in model inputs of assumptions	—	(566)	—	(566)
Other	—	(402)	—	(402)
Total mortgage servicing revenue, net	—	1,615	—	1,615
Other mortgage banking revenue	—	293	—	293
Total mortgage banking revenue	—	7,047	—	7,047
Purchased receivable income	—	—	1,033	1,033
Other operating income	3,507	—	—	3,507
Total other operating income	3,507	7,047	1,033	11,587
Salaries and other personnel expense	11,422	5,858	269	17,549
Data processing expense	2,342	273	3	2,618
Occupancy expense	1,380	500	31	1,911
Professional and outside services	657	224	22	903
Marketing expense	738	122	—	860
Insurance expense	573	23	—	596
Other operating expense	1,611	643	37	2,291
Total other operating expense	18,723	7,643	362	26,728
Income before provision for income taxes	9,220	1,774	644	11,638
Provision (benefit) for income taxes	2,133	497	183	2,813
Net income	$7,087	$1,277	$461	$8,825

Three Months Ended September 30, 2024
(In Thousands)	Community Banking	Home Mortgage Lending	Specialty Finance	Consolidated
Interest income	$34,862	$4,396	$158	$39,416
Mortgage banking income - external revenue	—	7,047	—	7,047
Mortgage banking income - intersegment revenues	—	1,275	—	1,275
Purchased receivable income	—	—	1,033	1,033
Other operating income	3,507	—	—	3,507
	38,369	12,718	1,191	52,278
Reconciliation of revenue
Elimination of intersegment revenues	—	(1,275)	—	(1,275)
Total consolidated revenues	$38,369	$11,443	$1,191	$51,003
Less:
Interest expense	8,934	1,455	185	10,574
Provision (benefit) for credit losses	1,492	571	—	2,063
Segment gross profit	27,943	9,417	1,006	38,366
Less(1):
Salaries and other personnel expense	$11,422	$5,858	$269	$17,549
Data processing expense	2,342	273	3	2,618
Occupancy expense	1,380	500	31	1,911
Professional and outside services	657	224	22	903
Marketing expense	738	122	—	860
Insurance expense	573	23	—	596
Intersegment expense	1,275	—	—	1,275
Other segment items(2)	1,611	643	37	2,291
Segment expense	19,998	7,643	362	28,003
Reconciliation of expense
Elimination of intersegment expense	($1,275)	$—	$—	(1,275)
Total consolidated expense	$18,723	$7,643	$362	$26,728
Income before provision for income taxes	$9,220	$1,774	$644	$11,638

1The significant expense categories and amounts align with the segment-level information that is regularly provided to the chief operating decision maker. All expenses are allocated to a segment.

2Other segment items for each reportable segment include:

Community Banking: OREO (income) expense, net of rental income and gains on sale, director fees, operational charge offs net of recoveries, loan collection and collateral costs, and other miscellaneous operating costs related to community banking activities.

Home Mortgage Lending: OREO (income) expense, net of rental income and gains on sale related home mortgage loans, director fees related at RML, loan collection and collateral costs related to home mortgage loans, and other miscellaneous operating costs related to home mortgage lending activities.

Specialty Finance: miscellaneous operating costs related to specialty finance activities.

	Nine Months Ended September 30, 2025
(In Thousands)	Community Banking	Home Mortgage Lending	Specialty Finance	Consolidated
Interest income	$116,286	$13,754	$2,298	$132,338
Interest expense	25,855	4,389	1,859	32,103
Net interest income	90,431	9,365	439	100,235
Provision (benefit) for credit losses	1,112	490	681	2,283
Net interest income after provision for credit losses	89,319	8,875	(242)	97,952
Net realized gains on mortgage loans sold	—	11,481	—	11,481
Change in fair value of mortgage loan commitments, net	—	921	—	921
Total production revenue	—	12,402	—	12,402
Mortgage servicing revenue	—	8,709	—	8,709
Change in fair value of mortgage servicing rights:
Due to changes in model inputs of assumptions	—	(1,315)	—	(1,315)
Other	—	(1,608)	—	(1,608)
Total mortgage servicing revenue, net	—	5,786	—	5,786
Other mortgage banking revenue	—	736	—	736
Total mortgage banking revenue	—	18,924	—	18,924
Purchased receivable income	—	—	19,316	19,316
Other operating income	23,078	—	(399)	22,679
Total other operating income	23,078	18,924	18,917	60,919
Salaries and other personnel expense	36,305	15,956	5,248	57,509
Data processing expense	8,455	802	453	9,710
Occupancy expense	4,216	1,487	211	5,914
Professional and outside services	1,908	763	669	3,340
Marketing expense	1,809	403	10	2,222
Insurance expense	2,502	66	7	2,575
Compensation expense - Sallyport acquisition payments	—	—	1,800	1,800
Other operating expense	5,115	1,971	803	7,889
Total other operating expense	60,310	21,448	9,201	90,959
Income before provision for income taxes	52,087	6,351	9,474	67,912
Provision for income taxes	11,300	1,762	2,683	15,745
Net income	$40,787	$4,589	$6,791	$52,167

Nine Months Ended September 30, 2025
(In Thousands)	Community Banking	Home Mortgage Lending	Specialty Finance	Consolidated
Interest income	$116,286	$13,754	$2,298	$132,338
Mortgage banking income - external revenue	—	18,924	—	18,924
Mortgage banking income - intersegment revenues	—	1,883	—	1,883
Purchased receivable income	—	—	19,316	19,316
Other operating income	23,078	—	(399)	22,679
	139,364	34,561	21,215	195,140
Reconciliation of revenue
Elimination of intersegment revenues	—	(1,883)	—	(1,883)
Total consolidated revenues	$139,364	$32,678	$21,215	$193,257
Less:
Interest expense	25,855	4,389	1,859	32,103
Provision (benefit) for credit losses	1,112	490	681	2,283
Segment gross profit	112,397	27,799	18,675	158,871
Less(1):
Salaries and other personnel expense	$36,305	$15,956	$5,248	$57,509
Data processing expense	8,455	802	453	9,710
Occupancy expense	4,216	1,487	211	5,914
Professional and outside services	1,908	763	669	3,340
Marketing expense	1,809	403	10	2,222
Insurance expense	2,502	66	7	2,575
Compensation expense - Sallyport acquisition payments	—	—	1,800	1,800
Intersegment expense	1,883	—	—	1,883
Other segment items(2)	5,115	1,971	803	7,889
Segment expense	62,193	21,448	9,201	92,842
Reconciliation of expense
Elimination of intersegment expense	($1,883)	$—	$—	(1,883)
Total consolidated expense	$60,310	$21,448	$9,201	$90,959
Income before provision for income taxes	$52,087	$6,351	$9,474	$67,912

1The significant expense categories and amounts align with the segment-level information that is regularly provided to the chief operating decision maker. All expenses are allocated to a segment.

2Other segment items for each reportable segment include:

Community Banking: OREO (income) expense, net of rental income and gains on sale, director fees, operational charge offs net of recoveries, loan collection and collateral costs, and other miscellaneous operating costs related to community banking activities.

Home Mortgage Lending: OREO (income) expense, net of rental income and gains on sale related home mortgage loans, director fees related at RML, loan collection and collateral costs related to home mortgage loans, and other miscellaneous operating costs related to home mortgage lending activities.

Specialty Finance: miscellaneous operating costs related to specialty finance activities.

	Nine Months Ended September 30, 2024
(In Thousands)	Community Banking	Home Mortgage Lending	Specialty Finance	Consolidated
Interest income	$99,895	$11,697	$541	$112,133
Interest expense	25,434	3,749	608	29,791
Net interest income	74,461	7,948	(67)	82,342
Provision (benefit) for credit losses	1,505	587	—	2,092
Net interest income after provision for credit losses	72,956	7,361	(67)	80,250
Net realized gains on mortgage loans sold	—	10,247	—	10,247
Change in fair value of mortgage loan commitments, net	—	837	—	837
Total production revenue	—	11,084	—	11,084
Mortgage servicing revenue	—	6,308	—	6,308
Change in fair value of mortgage servicing rights:		—		—
Due to changes in model inputs of assumptions	—	(38)	—	(38)
Other	—	(1,036)	—	(1,036)
Total mortgage servicing revenue, net	—	5,234	—	5,234
Other mortgage banking revenue	—	644	—	644
Total mortgage banking revenue	—	16,962	—	16,962
Purchased receivable income	—	—	3,620	3,620
Other operating income	8,426	—	—	8,426
Total other operating income	8,426	16,962	3,620	29,008
Salaries and other personnel expense	33,259	15,501	833	49,593
Data processing expense	7,135	721	22	7,878
Occupancy expense	4,176	1,447	93	5,716
Professional and outside services	1,715	608	61	2,384
Marketing expense	1,689	368	6	2,063
Insurance expense	1,986	81	—	2,067
Other operating expense	4,010	1,700	149	5,859
Total other operating expense	53,970	20,426	1,164	75,560
Income before provision for income taxes	27,412	3,897	2,389	33,698
Provision for income taxes	5,885	1,092	677	7,654
Net income	$21,527	$2,805	$1,712	$26,044

Nine Months Ended September 30, 2024
(In Thousands)	Community Banking	Home Mortgage Lending	Specialty Finance	Consolidated
Interest income	$99,895	$11,697	$541	$112,133
Mortgage banking income - external revenue	—	16,962	—	16,962
Mortgage banking income - intersegment revenues	—	2,805	—	2,805
Purchased receivable income	—	—	3,620	3,620
Other operating income	8,426	—	—	8,426
	108,321	31,464	4,161	143,946
Reconciliation of revenue
Elimination of intersegment revenues	—	(2,805)	—	(2,805)
Total consolidated revenues	$108,321	$28,659	$4,161	$141,141
Less:
Interest expense	25,434	3,749	608	29,791
Provision (benefit) for credit losses	1,505	587	—	2,092
Segment gross profit	81,382	24,323	3,553	109,258
Less(1):
Salaries and other personnel expense	$33,259	$15,501	$833	$49,593
Data processing expense	7,135	721	22	7,878
Occupancy expense	4,176	1,447	93	5,716
Professional and outside services	1,715	608	61	2,384
Marketing expense	1,689	368	6	2,063
Insurance expense	1,986	81	—	2,067
Intersegment expense	2,805	—	—	2,805
Other segment items(2)	4,010	1,700	149	5,859
Segment expense	56,775	20,426	1,164	78,365
Reconciliation of expense
Elimination of intersegment expense	($2,805)	$—	$—	(2,805)
Total consolidated expense	$53,970	$20,426	$1,164	$75,560
Income before provision for income taxes	$27,412	$3,897	$2,389	$33,698

1The significant expense categories and amounts align with the segment-level information that is regularly provided to the chief operating decision maker. All expenses are allocated to a segment.

2Other segment items for each reportable segment include:

Community Banking: OREO (income) expense, net of rental income and gains on sale, director fees, operational charge offs net of recoveries, loan collection and collateral costs, and other miscellaneous operating costs related to community banking activities.

Home Mortgage Lending: OREO (income) expense, net of rental income and gains on sale related home mortgage loans, director fees related at RML, loan collection and collateral costs related to home mortgage loans, and other miscellaneous operating costs related to home mortgage lending activities.

Specialty Finance: miscellaneous operating costs related to specialty finance activities.

September 30, 2025
(In Thousands)	Community Banking	Home Mortgage Lending	Specialty Finance	Consolidated
Total assets	$2,787,553	$350,360	$174,419	$3,312,332
Loans held for sale	$—	$111,317	$—	$111,317
1-4 family residential properties secured by first liens	$—	$216,598	$—	$216,598
Purchased receivables, net	$—	$—	$108,053	$108,053
Goodwill	$7,525	$7,492	$34,857	$49,874

December 31, 2024
(In Thousands)	Community Banking	Home Mortgage Lending	Specialty Finance	Consolidated
Total assets	$2,547,709	$357,630	$136,530	$3,041,869
Loans held for sale	$—	$59,957	$—	$59,957
1-4 family residential properties secured by first liens	$—	$270,966	$—	$270,966
Purchased receivables, net	$—	$—	$74,078	$74,078
Goodwill	$7,525	$7,492	$35,001	$50,018