MORTGAGE SERVICING RIGHTS (Tables)

3 Months Ended

Mar. 31, 2026

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of gross carrying value and accumulated amortization related to intangible assets

The following table presents mortgage loans serviced for others by investor:

(dollars in thousands)	March 31, 2026		December 31, 2025
Mortgage loan portfolio serviced for:
Federal National Mortgage Association	$	731,689	$	741,186
Federal Home Loan Mortgage Corporation	418,685		429,933
Federal Home Loan Bank	295		303
Total loans serviced for others	$	1,150,669	$	1,171,422

The following tables present changes in mortgage servicing rights for the periods presented:

(dollars in thousands)
Balance at December 31, 2025	$	8,672
Additions	113
Amortization	(265)
Balance at March 31, 2026	$	8,520
Balance at December 31, 2024	$	8,473
Additions	137
Amortization	(192)
Balance at March 31, 2025	$	8,418

Schedule of fair market value and key assumptions used in determining the fair market value of our mortgage servicing rights

The following table presents the fair market value and key assumptions used in determining the fair market value of MSR as of the dates presented:

(dollars in thousands)	March 31, 2026			December 31, 2025
Fair market value, beginning of period	$	11,301		$	12,387
Fair market value, end of period	11,642			11,301
Weighted average discount rate	9.5		%	9.5		%
Weighted average prepayment speed assumption	10.9			12.3