SEGMENT REPORTING (Tables)

9 Months Ended

Sep. 30, 2025

Segment Reporting [Abstract]

Schedule of segment data

The following presents the financial information for each segment that is specifically identifiable or based on allocations using internal methods as of or during the periods presented (dollars in thousands):

As of or for the three months ended September 30, 2025	Wealth Management		Mortgage		Consolidated
Income Statement
Total interest income	$	42,407	$	367	$	42,774
Total interest expense	23,320		—		23,320
Provision for credit losses	2,257		—		2,257
Net interest income, after provision for credit losses	16,830		367		17,197
Net gain on mortgage loans	—		1,394		1,394
All other non-interest income(1)	5,448		—		5,448
Total income before non-interest expense	22,278		1,761		24,039
Salaries and employee benefits expense	10,945		939		11,884
Depreciation and amortization expense	640		5		645
All other non-interest expense(2)	7,160		385		7,545
Income before income taxes	$	3,533	$	432	$	3,965
Goodwill	$	30,400	$	—	$	30,400
Total assets	$	3,216,173	$	24,251	$	3,240,424

______________________________________

(1)All other non-interest income for Wealth Management primarily includes Trust and investment management fees, Bank fees, Insurance fees, and Other.

(2)All other non-interest expense for Wealth Management primarily includes Occupancy and equipment, Professional services, Data processing, Technology and information systems, and Other. All other non-interest expense for Mortgage primarily includes Data processing, Occupancy and equipment, and Other.

As of or for the three months ended September 30, 2024	Wealth Management		Mortgage		Consolidated
Income Statement
Total interest income	$	37,818	$	272	$	38,090
Total interest expense	22,522		—		22,522
Provision for credit losses	501		—		501
Net interest income, after provision for credit losses	14,795		272		15,067
Net gain on mortgage loans	—		1,451		1,451
All other non-interest income(1)	5,521		—		5,521
Total income before non-interest expense	20,316		1,723		22,039
Salaries and employee benefits expense	10,531		908		11,439
Depreciation and amortization expense	642		8		650
All other non-interest expense(2)	6,905		374		7,279
Income (loss) before income taxes	$	2,238	$	433	$	2,671
Goodwill	$	30,400	$	—	$	30,400
Total assets	$	2,897,317	$	14,631	$	2,911,948

______________________________________

(1)All other non-interest income for Wealth Management primarily includes Trust and investment management fees, Bank fees, Insurance fees, and Net loss on loans accounted for under the fair value option..

(2)All other non-interest expense for Wealth Management primarily includes Occupancy and equipment, Professional services, Technology and information systems, Data processing and Other. All other non-interest expense for Mortgage primarily includes Data processing, Occupancy and equipment, and Other.

As of or for the nine months ended September 30, 2025	Wealth Management		Mortgage		Consolidated
Income Statement
Total interest and dividend income	$	116,623	$	860	$	117,483
Total interest expense	62,692		—		62,692
Provision for credit losses	4,110		—		4,110
Net interest income, after provision for credit losses	49,821		860		50,681
Net gain on mortgage loans	—		3,648		3,648
All other non-interest income(1)	16,844		—		16,844
Total income before non-interest expense	66,665		4,508		71,173
Salaries and employee benefits expense	31,706		2,677		34,383
Depreciation and amortization expense	1,995		15		2,010
All other non-interest expense(2)	20,979		1,162		22,141
Income before income taxes	$	11,985	$	654	$	12,639
Goodwill	$	30,400	$	—	$	30,400
Total assets	$	3,216,173	$	24,251	$	3,240,424

______________________________________

(1)All other non-interest income for Wealth Management primarily includes Trust and investment management fees, Bank fees, Insurance fees, and Net gain on other real estate owned.

(2)All other non-interest expense for Wealth Management primarily includes Occupancy and equipment, Professional services, Data processing, Technology and information systems, and Other. All other non-interest expense for Mortgage primarily includes Data processing, Occupancy and equipment, and Other.

As of or for the nine months ended September 30, 2024	Wealth Management		Mortgage		Consolidated
Income Statement
Total interest and dividend income	$	113,813	$	729	$	114,542
Total interest expense	67,126		—		67,126
Provision for credit losses	2,907		—		2,907
Net interest income, after provision for credit losses	43,780		729		44,509
Net gain on mortgage loans	—		4,535		4,535
All other non-interest income(1)	16,686		—		16,686
Total income before non-interest expense	60,466		5,264		65,730
Salaries and employee benefits expense	31,000		2,803		33,803
Depreciation and amortization expense	1,884		25		1,909
All other non-interest expense(2)	21,284		1,069		22,353
Income before income taxes	$	6,298	$	1,367	$	7,665
Goodwill	$	30,400	$	—	$	30,400
Total assets	$	2,897,317	$	14,631	$	2,911,948

______________________________________

(1)All other non-interest income for Wealth Management primarily includes Trust and investment management fees, Bank fees, Insurance fees, and Net loss on loans accounted for under the fair value option.

(2)All other non-interest expense for Wealth Management primarily includes Professional services, Occupancy and equipment, Technology and information systems, Data processing, and Other. All other non-interest expense for Mortgage primarily includes Data processing, Occupancy and equipment, and Other.