SEGMENT REPORTING

12 Months Ended

Dec. 31, 2025

Segment Reporting [Abstract]

SEGMENT REPORTING

SEGMENT REPORTING

The Company has two reportable segments which consist of Wealth Management and Mortgage. The chief operating decision maker (CODM) is the Chief Executive Officer. The measure of profit or loss used by the CODM to identify and measure the Company’s reportable segments is income before income tax. The CODM uses income before income tax to determine resource allocation during the annual budget and forecast process and to monitor monthly budgeted versus actual results in assessing performance of the segments.

The Wealth Management segment consists of operations relative to the Company’s fully integrated wealth management products and services. Services provided include deposit, loan, insurance, and trust and investment management advisory products and services. Parent company activity primarily consists of subordinated debt interest expense and is included within Wealth Management as management evaluates and makes business decisions for Wealth Management, including the parent company, collectively as one segment.

The Mortgage segment consists of operations relative to the Company’s residential mortgage service offerings. Mortgage products and services are financial in nature for which premiums are recognized, net of expenses, upon the sale of mortgage loans to third parties.

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 and for the year ended December 31, 2025	Wealth Management		Mortgage		Consolidated
Income Statement
Total interest income	$	158,312	$	1,475	$	159,787
Total interest expense	84,419		—		84,419
Provision for credit losses	5,025		—		5,025
Net interest income, after provision for credit losses	68,868		1,475		70,343
Net gain on mortgage loans	—		4,443		4,443
All other non-interest income(1)	22,128		—		22,128
Total income before non-interest expense	90,996		5,918		96,914
Salaries and employee benefits expense	42,449		3,669		46,118
Depreciation and amortization expense	2,617		19		2,636
All other non-interest expense(2)	29,520		1,566		31,086
Income before income taxes	$	16,410	$	664	$	17,074
Goodwill	$	30,400	$	—	$	30,400
Total assets	3,112,700		42,281		3,154,981

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

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

As of and for the year ended December 31, 2024	Wealth Management		Mortgage		Consolidated
Income Statement
Total interest income	$	151,519	$	1,132	$	152,651
Total interest expense	88,327		—		88,327
Provision for credit losses	1,933		—		1,933
Net interest income, after provision for credit losses	61,259		1,132		62,391
Net gain on mortgage loans	—		4,912		4,912
All other non-interest income(1)	22,768		—		22,768
Total income before non-interest expense	84,027		6,044		90,071
Salaries and employee benefits expense	41,442		3,598		45,040
Depreciation and amortization expense	2,535		30		2,565
All other non-interest expense(2)	29,421		1,466		30,887
Income before income taxes	$	10,629	$	950	$	11,579
Goodwill	$	30,400	$	—	$	30,400
Total assets	2,891,615		27,422		2,919,037

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

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