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FAIR VALUE DISCLOSURES (Tables)
 6 Months Ended
Jun. 30, 2026
FAIR VALUE DISCLOSURES [Abstract]  
Assets (Liabilities) Measured at Fair Value on Recurring and Non-Recurring Basis
The following table summarizes fair value measurements as of the dates indicated below (dollars in thousands):

   
Level 1
    
Level 2
    
Level 3
    
Total
  
June 30, 2026
                        
Assets (liabilities) measured at fair value on a recurring basis:
                        
Securities available for sale:
                        
State and municipal
  
$
-
    
$
177,786
    
$
-
    
$
177,786
  
Residential mortgage-backed securities
    
-
      
246,993
      
-
      
246,993
  
Commercial mortgage-backed securities
    
-
      
46,285
      
-
      
46,285
  
Commercial collateralized mortgage obligations
    
-
      
66,525
      
-
      
66,525
  
Asset-backed and other amortizing securities
    
-
      
12,050
      
-
      
12,050
  
Other securities
    
-
      
5,788
      
-
      
5,788
  
Loans held for sale (mandatory)
    
-
      
7,943
      
-
      
7,943
  
Mortgage servicing rights
    
-
      
-
      
25,749
      
25,749
  
Asset derivatives
    
-
      
10,261
      
-
      
10,261
  
Liability derivatives
    
-
      
(46
)
    
-
      
(46
)
                                 
Assets measured at fair value on a non-recurring basis:
                                
Loans held for investment
    
-
      
-
      
4,006
      
4,006
  
                                 
December 31, 2025
                                
Assets (liabilities) measured at fair value on a recurring basis:
                                
Securities available for sale:
                                
State and municipal
  
$
-
    
$
176,305
    
$
-
    
$
176,305
  
Residential mortgage-backed securities
    
-
      
260,760
      
-
      
260,760
  
Commercial mortgage-backed securities
    
-
      
44,786
      
-
      
44,786
  
Commercial collateralized mortgage obligations
    
-
      
67,597
      
-
      
67,597
  
Asset-backed and other amortizing securities
    
-
      
13,132
      
-
      
13,132
  
Other securities
    
-
      
4,960
      
-
      
4,960
  
Loans held for sale (mandatory)
    
-
      
7,796
      
-
      
7,796
  
Mortgage servicing rights
    
-
      
-
      
24,041
      
24,041
  
Asset derivatives
    
-
      
9,970
      
-
      
9,970
  
Liability derivatives
    
-
      
(65
)
    
-
      
(65
)
                                 
Assets measured at fair value on a non-recurring basis:
                                
Loans held for investment
    
-
      
-
      
5,515
      
5,515
  
Quantitative Information about Recurring and Non-Recurring Level 3 Fair Value Measurements
The following table presents quantitative information about recurring and non-recurring Level 3 fair value measurements at the dates indicated (dollars in thousands):

   
Fair
Value
  
Valuation
Techniques
  
Unobservable
Inputs
  
Range of
Discounts
  
June 30, 2026
                  
Non-recurring:
                  
Loans held for investment
  
$
4,006
  
Third party appraisals or inspections
  
Collateral discounts and selling costs
  
20% to 40%
  
Recurring:
                    
Mortgage servicing rights
    
25,749
  
Discounted cash flows
  
Constant prepayment rate
    
7.08
%
                   
Discount rate
    
9.72
%
                       
December 31, 2025
                      
Non-recurring:
                      
Loans held for investment
  
$
5,515
  
Third party appraisals or inspections
  
Collateral discounts and selling costs
  
20% to 60%
  
Recurring:
                      
Mortgage servicing rights
    
24,041
  
Discounted cash flows
  
Constant prepayment rate
    
8.81
%
                   
Discount rate
    
9.70
%
Estimated Fair Values, and Related Carrying Amounts of Financial Instruments
The estimated fair values, and related carrying amounts, of the Company’s financial instruments that are not previously disclosed in the recurring fair values section are as follows (dollars in thousands):

   
Carrying
Amount
    
Level 1
    
Level 2
    
Level 3
    
Total
Fair Value
  
June 30, 2026
                              
Financial assets:
                              
Cash and cash equivalents
  
$
787,757
    
$
787,757
    
$
-
    
$
-
    
$
787,757
  
Loans held for investment, net
    
3,718,358
      
-
      
-
      
3,708,299
      
3,708,299
  
Loans held for sale (best efforts)
    
3,679
      
-
      
3,733
      
-
      
3,733
  
Accrued interest receivable
    
20,306
      
-
      
20,306
      
-
      
20,306
  
Financial liabilities:
                                        
Deposits
    
4,640,626
      
-
      
4,640,512
      
-
      
4,640,512
  
Accrued interest payable
    
5,716
      
-
      
5,716
      
-
      
5,716
  
Junior subordinated deferrable interest debentures
    
46,393
      
-
      
35,844
      
-
      
35,844
  
Subordinated debt
    
14,100
      
-
      
13,260
      
-
      
13,260
  
                                         
December 31, 2025
                                        
Financial assets:
                                        
Cash and cash equivalents
  
$
552,439
    
$
552,439
    
$
-
    
$
-
    
$
552,439
  
Loans held for investment, net
    
3,099,371
      
-
      
-
      
3,082,072
      
3,082,072
  
Loans held for sale (best efforts)
    
2,197
      
-
      
2,237
      
-
      
2,237
  
Accrued interest receivable
    
20,931
      
-
      
20,931
      
-
      
20,931
  
Financial liabilities:
                                        
Deposits
    
3,874,077
      
-
      
3,873,806
      
-
      
3,873,806
  
Accrued interest payable
    
5,014
      
-
      
5,014
      
-
      
5,014
  
Junior subordinated deferrable interest debentures
    
46,393
      
-
      
35,213
      
-
      
35,213
  
Subordinated debt
    
14,100
      
-
      
13,907
      
-
      
13,907