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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 28,253 $ 23,868
Adjustments to reconcile net income to net cash provided by (used in) operating activities:    
Provision for credit losses 4,500 3,050
Depreciation, amortization and accretion 7,723 8,130
Stock-based compensation expense 785 1,296
Loss on sales of securities 1,039 1,835
Net change in servicing asset (192) (1,456)
Loss (gain) on sales of other real estate owned and repossessions 134 (169)
Loss on sales of premises & equipment 0 5
Writedown of bank building 0 197
Change in bank owned life insurance (1,792) (1,725)
Equity method investment loss (299) (270)
Deferred tax expense 2,064 755
Gain on sales of SBA loans (5,372) (9,242)
Originations of loans held for sale (353,252) (301,632)
Proceeds from sales of loans held for sale 319,420 299,046
Change in other assets (8,999) (1,895)
Change in other liabilities 443 1,608
Net cash provided by (used in) operating activities (5,545) 23,401
CASH FLOWS FROM INVESTING ACTIVITIES    
Purchases of investment securities, available-for-sale (22,703) (56,616)
Proceeds from maturities, calls, and paydowns of investment securities, available-for-sale 55,499 69,180
Proceeds from sales of investment securities, available-for-sale 55,550 29,890
Proceeds from maturities, calls, and paydowns of investment securities, held-to-maturity 27,481 17,376
Proceeds from sales of investment securities, held-to-maturity 17,877 3,971
Net change in loans (132,294) 36,966
Purchase of premises and equipment (1,354) (1,080)
Proceeds from sales of other real estate owned and repossessions 610 1,269
Proceeds from settlement of bank owned life insurance policies 4,491 681
Purchase of Federal Home Loan Bank stock (39) (556)
Proceeds from sales of premises and equipment 0 77
Proceeds from insurance related to fire at bank branch 875 0
Net cash and cash equivalents received from bank acquisition 916 0
Net cash and cash equivalents received from bank acquisition (3,500) 0
Net cash provided by investing activities 3,409 101,158
CASH FLOWS FROM FINANCING ACTIVITIES    
Change in noninterest-bearing customer deposits 8,199 (36,709)
Change in interest-bearing customer deposits 31,260 59,862
Dividends paid on common stock (8,038) (7,899)
Proceeds from Federal Home Loan Bank advances 200,000 270,000
Repayments of Federal Home Loan Bank advances (200,000) (260,000)
Proceeds from other borrowings 75,000 20,000
Repayments on other borrowings (75,000) (20,000)
Redemption of subordinated debt 0 (500)
Repurchase and retirement of shares (2,368) (1,305)
Cash paid for tax withholding related to vesting of restricted stock (311) (296)
Net cash provided by financing activities 28,742 23,153
Net increase in cash and cash equivalents 26,606 147,712
Cash and cash equivalents at beginning of period 231,034 83,322
Cash and cash equivalents at end of period 257,640 231,034
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION    
Cash paid during the period for interest 57,288 61,754
Cash paid during the period for income taxes 4,436 4,717
NONCASH INVESTING AND FINANCING ACTIVITIES    
Transfers to other real estate $ 1,155 $ 854