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CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($)
shares in Thousands, $ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
INTEREST INCOME:        
Loans, including related fees $ 64,775 $ 51,459 $ 128,387 $ 101,511
Securities:        
Taxable 5,915 5,833 11,917 11,764
Tax-exempt 2,622 2,601 5,226 5,204
Other 865 878 1,679 1,695
TOTAL INTEREST INCOME 74,177 60,771 147,209 120,174
INTEREST EXPENSE:        
Deposits 18,495 19,694 36,694 37,425
Short-term borrowings 1,398 959 3,091 1,935
Other borrowings 1,613 824 2,778 2,600
TOTAL INTEREST EXPENSE 21,506 21,477 42,563 41,960
NET INTEREST INCOME 52,671 39,294 104,646 78,214
Provision for credit losses 1,950 2,966 3,900 4,766
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 50,721 36,328 100,746 73,448
NON-INTEREST INCOME:        
Trust and financial services 1,490 1,318 2,883 2,652
Service charges and fees on deposit accounts 7,554 6,730 15,139 13,437
Other service charges and fees 256 286 572 509
Securities gains (losses), net (3)   (3)  
Interchange income 180 135 394 314
Loan servicing fees 326 414 492 683
Gain on sales of mortgage loans 430 299 655 475
Other 148 723 760 1,266
Total non-interest income 10,381 9,905 20,892 19,336
NON-INTEREST EXPENSE:        
Salaries and employee benefits 19,689 17,380 38,937 34,710
Occupancy expense 2,472 2,201 5,148 4,560
Equipment expense 4,587 4,312 9,092 8,456
FDIC Expense 795 501 1,545 1,163
Other 10,733 8,257 20,313 17,184
TOTAL NON-INTEREST EXPENSE 38,276 32,651 75,035 66,073
INCOME BEFORE INCOME TAXES 22,826 13,582 46,603 26,711
Provision for income taxes 4,240 2,213 9,611 4,418
NET INCOME 18,586 11,369 36,992 22,293
OTHER COMPREHENSIVE INCOME        
Change in unrealized gains (losses) on securities, net of reclassifications and taxes 2,946 3,535 14,046 (7,561)
Change in funded status of post retirement benefits, net of taxes 2 74 5 147
COMPREHENSIVE INCOME $ 21,534 $ 14,978 $ 51,043 $ 14,879
PER SHARE DATA        
Basic Earnings per Share (in dollars per share) $ 1.57 $ 0.96 $ 3.12 $ 1.89
Diluted Earnings per Share (in dollars per share) $ 1.57 $ 0.96 $ 3.12 $ 1.89
Weighted average number of shares outstanding, basic (in shares) 11,851 11,814 11,847 11,809
Weighted average number of shares outstanding, diluted (in shares) 11,851 11,814 11,847 11,809