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CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Interest income:    
Loans, including fees $ 38,202 $ 33,628
Taxable securities 2,239 1,981
Nontaxable securities 247 229
Other interest and dividends 2,476 2,898
Total interest income 43,164 38,736
Interest expense:    
Deposits 16,689 15,906
Other borrowings 1,596 1,991
Total interest expense 18,285 17,897
Net interest income 24,879 20,839
Provision for credit losses 775 1,236
Net interest income after provision for credit losses 24,104 19,603
Noninterest income:    
Service charges on deposit accounts $ 564 $ 463
Revenue, Product and Service [Extensible Enumeration] Deposit Account [Member] Deposit Account [Member]
Swap (expenses) fees $ (3) $ 15
SBA/USDA fees 40 64
Mortgage origination fees 80 96
Net gain (loss) on securities 23 (12)
Other operating income 949 642
Total noninterest income 1,653 1,268
Noninterest expenses:    
Salaries and employee benefits 6,924 6,231
Equipment and occupancy expenses 828 689
Data processing fees 909 643
Regulatory assessments 429 360
Other operating expenses 3,216 2,452
Total noninterest expenses 12,306 10,375
Income before income taxes 13,451 10,496
Income tax expense 3,100 2,377
Net Income $ 10,351 $ 8,119
Basic earnings per share (in dollars per share) $ 1.04 $ 0.91
Dilutive earnings per share (in dollars per share) $ 1.03 $ 0.90