Mortgage

Total

Banking

Segments

December 31, 2024

Net Interest income

$

43,337

$

3,119

$

46,456

Gain on sale of mortgage loans

—

12,739

12,739

Other revenue

3,791

3,479

7,270

Total operating revenue

$

47,128

$

19,337

$

66,465

Salaries and employee benefits

$

23,845

$

17,097

$

40,942

Mortgage servicing rights amortization

—

503

503

Hedging activity, net

—

(7

)

(7

)

Provision for credit losses and other expenses

19,228

12,150

31,378

Income tax expense (benefit)

689

(826

)

(137

)

Total expenses

$

43,762

$

28,917

$

72,679

Segment profit (loss)

$

3,366

$

(9,580

)

$

(6,214

)

Supplemental disclosures:

Segment assets

$

1,185,090

$

35,843

$

1,220,933

Depreciation and amortization

$

2,319

$

716

$

3,035

Goodwill impairment

$

—

$

(5,786

)

$

(5,786

)

December 31, 2023

Net Interest income

$

40,628

$

3,540

$

44,168

Gain on sale of mortgage loans

—

12,526

12,526

Other revenue

4,013

8,386

12,399

Total operating revenue

$

44,641

$

24,452

$

69,093

Salaries and employee benefits

$

21,114

$

19,615

$

40,729

Mortgage servicing rights amortization

—

1,763

1,763

Hedging activity, net

—

247

247

Provision for credit losses and other expenses

18,111

6,795

24,906

Income tax expense (benefit)

1,057

(727

)

330

Total expenses

$

40,282

$

27,693

$

67,975

Segment profit (loss)

$

4,359

$

(3,241

)

$

1,118

Supplemental disclosures:

Segment assets

$

1,090,761

$

34,171

$

1,124,932

Depreciation and amortization

$

2,190

$

1,983

$

4,173