Segment Information (Tables)

12 Months Ended

Dec. 31, 2025

Segment Reporting [Abstract]

Schedule of Segment Information

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

December 31, 2025
(In Thousands)	Community Banking	Home Mortgage Lending	Specialty Finance	Consolidated
Interest income	$157,060	$18,087	$3,231	$178,378
Interest expense	34,427	5,804	2,538	42,769
Net interest income	122,633	12,283	693	135,609
Provision for credit losses	2,338	1,178	394	3,910
Net interest income after provision for credit losses	120,295	11,105	299	131,699
Net realized gains on mortgage loans sold	—	16,777	—	16,777
Change in fair value of mortgage loan commitments, net	—	346	—	346
Total production revenue	—	17,123	—	17,123
Mortgage servicing revenue	—	10,822	—	10,822
Change in fair value of mortgage servicing rights:
Due to changes in model inputs of assumptions	—	(1,402)	—	(1,402)
Other	—	(2,380)	—	(2,380)
Total mortgage servicing revenue, net	—	7,040	—	7,040
Other mortgage banking revenue	—	1,074	—	1,074
Total mortgage banking income	—	25,237	—	25,237
Purchased receivable income	—	—	25,806	25,806
Other operating income	26,582	—	(422)	26,160
Total other operating income	26,582	25,237	25,384	77,203
Salaries and other personnel expense	49,080	22,224	7,033	78,337
Data processing expense	11,395	1,112	618	13,125
Occupancy expense	5,557	1,985	280	7,822
Professional and outside services	2,854	1,032	795	4,681
Marketing expense	3,164	547	17	3,728
Insurance expense	3,120	85	7	3,212
Compensation expense - SCF acquisition payments	—	—	2,333	2,333
Other operating expense	7,230	2,788	1,127	11,145
Total other operating expense	82,400	29,773	12,210	124,383
Income before provision for income taxes	64,477	6,569	13,473	84,519
Provision for income taxes	14,928	1,767	3,216	19,911
Net income	$49,549	$4,802	$10,257	$64,608
Total assets	$2,724,236	$390,242	$175,795	$3,290,273
Loans held for sale	$—	$100,323	$—	$100,323
1-4 family residential properties secured by first liens	$—	$243,185	$—	$243,185
Purchased receivables, net	$—	$—	$101,642	$101,642
Goodwill	$7,525	$7,492	$34,857	$49,874

December 31, 2025
(In Thousands)	Community Banking	Home Mortgage Lending	Specialty Finance	Consolidated
Interest income	$157,060	$18,087	$3,231	$178,378
Mortgage banking income - external revenue	—	25,237	—	25,237
Mortgage banking income - intersegment revenues	—	2,945	—	2,945
Purchased receivable income	—	—	25,806	25,806
Other operating income	26,582	—	(422)	26,160
	183,642	46,269	28,615	258,526
Reconciliation of revenue
Elimination of intersegment revenues	—	(2,945)	—	(2,945)
Total consolidated revenues	$183,642	$43,324	$28,615	$255,581
Less:
Interest expense	34,427	5,804	2,538	42,769
Provision for credit losses	2,338	1,178	394	3,910
Segment gross profit	146,877	36,342	25,683	208,902
Less(1):
Salaries and other personnel expense	$49,080	$22,224	$7,033	$78,337
Data processing expense	11,395	1,112	618	13,125
Occupancy expense	5,557	1,985	280	7,822
Professional and outside services	2,854	1,032	795	4,681
Marketing expense	3,164	547	17	3,728
Insurance expense	3,120	85	7	3,212
Compensation expense - SCF acquisition payments	—	—	2,333	2,333
Intersegment expense	2,945	—	—	2,945
Other segment items(2)	7,230	2,788	1,127	11,145
Segment expense	85,345	29,773	12,210	127,328
Reconciliation of expense
Elimination of intersegment expense	($2,945)	$—	$—	(2,945)
Total consolidated expense	$82,400	$29,773	$12,210	$124,383
Income before provision for income taxes	$64,477	$6,569	$13,473	$84,519

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 Residential Mortgage, 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.

December 31, 2024
(In Thousands)	Community Banking	Home Mortgage Lending	Specialty Finance	Consolidated
Interest income	$136,495	$16,477	$947	$153,919
Interest expense	34,391	5,249	1,096	40,736
Net interest income (loss)	102,104	11,228	(149)	113,183
Provision for credit losses	2,276	892	125	3,293
Net interest income (loss) after provision for credit losses	99,828	10,336	(274)	109,890
Net realized gains on mortgage loans sold	—	13,994	—	13,994
Change in fair value of mortgage loan commitments, net	—	172	—	172
Total production revenue	—	14,166	—	14,166
Mortgage servicing revenue	—	9,155	—	9,155
Change in fair value of mortgage servicing rights:
Due to changes in model inputs of assumptions	—	1,334	—	1,334
Other	—	(1,535)	—	(1,535)
Total mortgage servicing revenue, net	—	8,954	—	8,954
Other mortgage banking revenue	—	882	—	882
Total mortgage banking income	—	24,002	—	24,002
Purchased receivable income	—	—	7,146	7,146
Other operating income (loss)	10,960	—	(67)	10,893
Total other operating income	10,960	24,002	7,079	42,041
Salaries and other personnel expense	44,864	20,968	2,015	67,847
Data processing expense	9,918	966	102	10,986
Occupancy expense	5,534	1,927	148	7,609
Professional and outside services	2,284	827	1,240	4,351
Marketing expense	2,518	499	11	3,028
Insurance expense	2,690	101	170	2,961
Other operating expense	5,277	2,336	542	8,155
Total other operating expense	73,085	27,624	4,228	104,937
Income before provision for income taxes	37,703	6,714	2,577	46,994
Provision for income taxes	7,359	1,934	730	10,023
Net income	$30,344	$4,780	$1,847	$36,971
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

December 31, 2024
(In Thousands)	Community Banking	Home Mortgage Lending	Specialty Finance	Consolidated
Interest income	$136,495	$16,477	$947	$153,919
Mortgage banking income - external revenue	—	24,002	—	24,002
Mortgage banking income - intersegment revenue	—	3,623	—	3,623
Purchased receivable income	—	—	7,146	7,146
Other operating income (loss)	10,960	—	(67)	10,893
	147,455	44,102	8,026	199,583
Reconciliation of revenue
Elimination of intersegment revenues	—	(3,623)	—	(3,623)
Total consolidated revenues	$147,455	$40,479	$8,026	$195,960
Less:
Interest expense	34,391	5,249	1,096	40,736
Provision for credit losses	2,276	892	125	3,293
Segment gross profit	110,788	34,338	6,805	151,931
Less(1):
Salaries and other personnel expense	$44,864	$20,968	$2,015	$67,847
Data processing expense	9,918	966	102	10,986
Occupancy expense	5,534	1,927	148	7,609
Professional and outside services	2,284	827	1,240	4,351
Marketing expense	2,518	499	11	3,028
Insurance expense	2,690	101	170	2,961
Intersegment expense	3,623	—	—	3,623
Other segment items(2)	5,277	2,336	542	8,155
Segment expense	76,708	27,624	4,228	108,560
Reconciliation of expense
Elimination of intersegment expense	($3,623)	$—	$—	(3,623)
Total consolidated expense	$73,085	$27,624	$4,228	$104,937
Income before provision for income taxes	$37,703	$6,714	$2,577	$46,994

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 Residential Mortgage, 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.

December 31, 2023
(In Thousands)	Community Banking	Home Mortgage Lending	Specialty Finance	Consolidated
Interest income	$121,855	$9,693	$403	$131,951
Interest expense	26,300	2,395	—	28,695
Net interest income	95,555	7,298	403	103,256
Provision for credit losses	3,842	—	—	3,842
Net interest income after provision for credit losses	91,713	7,298	403	99,414
Net realized gains on mortgage loans sold	—	7,828	—	7,828
Change in fair value of mortgage loan commitments, net	—	(102)	—	(102)
Total production revenue	—	7,726	—	7,726
Mortgage servicing revenue	—	7,368	—	7,368
Change in fair value of mortgage servicing rights:
Due to changes in model inputs of assumptions	—	(922)	—	(922)
Other	—	(1,765)	—	(1,765)
Total mortgage servicing revenue, net	—	4,681	—	4,681
Other mortgage banking revenue	—	356	—	356
Total mortgage banking income	—	12,763	—	12,763
Purchased receivable income	—	—	4,482	4,482
Other operating income	9,130	—	—	9,130
Total other operating income	9,130	12,763	4,482	26,375
Salaries and other personnel expense	42,795	17,873	1,073	61,741
Data processing expense	9,091	692	38	9,821
Occupancy expense	5,432	1,839	123	7,394
Professional and outside services	2,305	751	72	3,128
Marketing expense	2,465	462	2	2,929
Insurance expense	2,423	96	—	2,519
Other operating expense	4,742	1,784	123	6,649
Total other operating expense	69,253	23,497	1,431	94,181
Income (loss) before provision for income taxes	31,590	(3,436)	3,454	31,608
Provision for income taxes	6,175	(943)	982	6,214
Net income (loss)	$25,415	($2,493)	$2,472	$25,394
Total assets	$2,496,910	$267,706	$42,881	$2,807,497
Loans held for sale	$—	$31,974	$—	$31,974
1-4 family residential properties secured by first liens	$—	$203,738	$—	$203,738
Purchased receivables, net	$—	$—	$36,842	$36,842
Goodwill	$7,525	$7,492	$—	$15,017

December 31, 2023
(In Thousands)	Community Banking	Home Mortgage Lending	Specialty Finance	Consolidated
Interest income	$121,855	$9,693	$403	$131,951
Mortgage banking income - external revenue	—	12,763	—	12,763
Mortgage banking income - intersegment revenue	—	1,370	—	1,370
Purchased receivable income	—	—	4,482	4,482
Other operating income	9,130	—	—	9,130
	130,985	23,826	4,885	159,696
Reconciliation of revenue
Elimination of intersegment revenues	—	(1,370)	—	(1,370)
Total consolidated revenues	$130,985	$22,456	$4,885	$158,326
Less:
Interest expense	26,300	2,395	—	28,695
Provision for credit losses	3,842	—	—	3,842
Segment gross profit	100,843	20,061	4,885	125,789
Less(1):
Salaries and other personnel expense	$42,795	$17,873	$1,073	$61,741
Data processing expense	9,091	692	38	9,821
Occupancy expense	5,432	1,839	123	7,394
Professional and outside services	2,305	751	72	3,128
Marketing expense	2,465	462	2	2,929
Insurance expense	2,423	96	—	2,519
Intersegment expense	1,370	—	—	1,370
Other segment items(2)	4,742	1,784	123	6,649
Segment expense	70,623	23,497	1,431	95,551
Reconciliation of expense
Elimination of intersegment expense	($1,370)	$—	$—	(1,370)
Total consolidated expense	$69,253	$23,497	$1,431	$94,181
Income before provision for income taxes	$31,590	($3,436)	$3,454	$31,608

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 Residential Mortgage, 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.