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CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Interest income:        
Loans, including fees $ 53,928 $ 51,505 $ 158,384 $ 151,008
Securities:        
Taxable 4,638 5,300 14,030 16,096
Non-taxable 853 803 2,456 2,419
Federal funds sold and interest-bearing deposits in banks 5,101 4,032 13,707 10,052
Total interest income 64,520 61,640 188,577 179,575
Interest expense:        
Deposits 19,925 22,653 59,814 65,945
Subordinated debt 835 835 2,505 2,505
Junior subordinated deferrable interest debentures 741 858 2,209 2,575
Total interest expense 21,501 24,346 64,528 71,025
Net interest income 43,019 37,294 124,049 108,550
Provision for credit losses 500 495 3,420 3,100
Net interest income, after provision for credit losses 42,519 36,799 120,629 105,450
Noninterest income:        
Service charges on deposit accounts 2,266 2,023 6,505 5,785
Net gain on sales of loans 2,338 2,715 7,584 8,157
Bank card services and interchange fees 3,403 3,302 10,553 10,415
Other mortgage banking income 237 (825) 710 1,075
Investment commissions 428 391 1,288 1,275
Fiduciary fees 729 613 2,161 2,087
Other 1,764 2,416 5,154 5,959
Total noninterest income 11,165 10,635 33,955 34,753
Noninterest expense:        
Salaries and employee benefits 19,413 18,767 58,562 56,954
Occupancy and equipment, net 4,046 4,255 12,045 12,204
Professional services 1,293 1,807 4,897 5,028
Marketing and development 979 1,015 2,803 2,629
IT and data services 1,184 1,092 3,529 3,168
Bank card expenses 1,637 1,500 4,670 4,413
Appraisal expenses 284 246 712 702
Other 4,188 4,446 12,379 12,532
Total noninterest expense 33,024 33,128 99,597 97,630
Income before income taxes 20,660 14,306 54,987 42,573
Income tax expense 4,342 3,094 11,770 9,353
Net income $ 16,318 $ 11,212 $ 43,217 $ 33,220
Earnings per share:        
Basic (in Dollars per share) $ 1 $ 0.68 $ 2.65 $ 2.02
Diluted (in Dollars per share) $ 0.96 $ 0.66 $ 2.55 $ 1.96
Net income $ 16,318 $ 11,212 $ 43,217 $ 33,220
Other comprehensive income:        
Unrealized gains on securities available for sale 12,450 25,268 16,749 14,997
Less: Change in fair value on hedged state and municipal securities (878) (4,196) (4,703) (3,274)
Tax effect (2,430) (4,425) (2,529) (2,462)
Other comprehensive income 9,142 16,647 9,517 9,261
Comprehensive income $ 25,460 $ 27,859 $ 52,734 $ 42,481