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Consolidated Statements of Income - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
INTEREST AND DIVIDEND INCOME    
Interest and Fees on Loans $ 47,126 $ 44,550
Interest on Deposits at Banks 1,675 1,621
Interest and Dividends on Investment Securities:    
Fully Taxable 4,529 3,608
Exempt from Federal Taxes 464 587
Total Interest and Dividend Income 53,794 50,366
INTEREST EXPENSE    
Interest-Bearing Checking Accounts 2,100 1,803
Savings Deposits 8,716 9,483
Time Deposits over $250 1,196 1,811
Other Time Deposits 5,436 5,529
Borrowings 0 167
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts 169 169
Interest on Financing Leases 47 47
Total Interest Expense 17,664 19,009
NET INTEREST INCOME 36,130 31,357
Provision for Credit Losses 548 5,019
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 35,582 26,338
NON-INTEREST INCOME    
Insurance Commissions 2,113 1,826
Net Gain on Securities 145 317
Net Gain on Sales of Loans 290 101
Other Operating Income 640 460
Total Non-Interest Income 8,628 7,839
NON-INTEREST EXPENSE    
Salaries and Employee Benefits 14,922 13,555
Occupancy Expenses, Net 2,459 2,022
Technology and Equipment Expense 5,052 5,087
FDIC Assessments 585 670
Other Operating Expense 3,847 4,711
Total Non-Interest Expense 26,865 26,045
INCOME BEFORE PROVISION FOR INCOME TAXES 17,345 8,132
Provision for Income Taxes 3,860 1,822
NET INCOME $ 13,485 $ 6,310
Average Shares Outstanding:    
Basic (in shares) 16,381,922 16,665,138
Diluted (in shares) 16,402,611 16,672,852
Per Common Share:    
Basic Earnings (in dollars per share) $ 0.82 $ 0.38
Diluted Earnings (in dollars per share) $ 0.82 $ 0.38
Income From Fiduciary Activities    
NON-INTEREST INCOME    
Revenue from contract with customer $ 2,713 $ 2,535
Fees for Other Services to Customers    
NON-INTEREST INCOME    
Revenue from contract with customer $ 2,727 $ 2,600