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Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
ASSETS    
Cash and Due From Banks $ 29,132 $ 27,422
Interest-Bearing Deposits at Banks 185,051 127,124
Investment Securities:    
Available-for-Sale 495,868 463,111
Held-to-Maturity (Approximate Fair Value of $66,569 at December 31, 2025, and $96,586 at December 31, 2024) 66,975 98,261
Equity Securities 5,597 5,055
Other Investments 4,372 4,353
Total 3,453,093 3,394,541
Allowance for Credit Losses (34,322) (33,598)
Net Loans 3,418,771 3,360,943
Premises and Equipment, Net 59,433 59,717
Goodwill 23,789 23,789
Other Intangible Assets, Net 1,741 2,058
Other Assets 155,133 134,515
Total Assets 4,445,862 4,306,348
LIABILITIES    
Noninterest-Bearing Deposits 722,374 702,978
Interest-Bearing Checking Accounts 862,192 810,834
Savings Deposits 1,557,638 1,520,024
Time Deposits over $250,000 155,802 191,962
Other Time Deposits 641,463 602,132
Total Deposits 3,939,469 3,827,930
Borrowings 4,265 8,600
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts 20,000 20,000
Finance Leases 4,929 5,005
Other Liabilities 45,347 43,912
Total Liabilities 4,014,010 3,905,447
STOCKHOLDERS’ EQUITY    
Preferred Stock, $1 Par Value, 1,000,000 Shares Authorized (none issued) 0 0
Common Stock, $1 Par Value; 30,000,000 Shares Authorized; 22,066,559 Shares Issued and 16,445,342 and 16,742,921 Outstanding at December 31, 2025 and December 31, 2024) 22,067 22,067
Additional Paid-in Capital 414,506 413,476
Retained Earnings 102,271 77,215
Accumulated Other Comprehensive Loss (4,037) (18,453)
Treasury Stock, at Cost (5,621,217 Shares at December 31, 2025 and 5,323,638 Shares at December 31, 2024) (102,955) (93,404)
Total Stockholders’ Equity 431,852 400,901
Total Liabilities and Stockholders’ Equity $ 4,445,862 $ 4,306,348