CONSOLIDATED STATEMENT OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 10,376	$ 7,621
cash provided by operating activities:
Provision for credit losses	500	625
Depreciation and amortization	470	449
Amortization and accretion of loans, other assets and borrowings	(884)	(793)
Amortization and accretion of investment securities	71	217
Deferred income taxes	(187)	(109)
Equity securities (gains) losses, net	(19)	11
Earnings on bank owned life insurance	(570)	(346)
Vesting of restricted stock	0	2
Originations of loans held for sale	(25,287)	(25,525)
Proceeds from sales of loans held for sale	29,046	29,337
Realized gains on loans sold	(265)	(272)
Increase in accrued interest receivable	(243)	(612)
Increase (decrease) in accrued interest payable	618	(1,550)
Other, net	4,392	1,890
Net cash provided by operating activities	18,018	10,945
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from maturity and principal repayments	19,793	14,094
Purchase of securities	(26,236)	(14,161)
Proceeds from life insurance	0	108
Purchase of bank owned life insurance	(22,000)	0
Proceeds from redemption of regulatory stock	12,886	10,079
Purchase of regulatory stock	(7,424)	(8,950)
Net decrease (increase) in loans	53,047	(1,386)
Purchase of premises and equipment	(125)	(585)
Proceeds from sale of premises and equipment	0	12
Proceeds from sale of foreclosed assets held for sale	0	61
Net cash provided by (used in) investing activities	29,941	(728)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits	64,206	(17,174)
Net (decrease) increase in short-term borrowed funds	(110,807)	3,938
Purchase of treasury and restricted stock	(158)	(57)
Issuance of common stock for ESPP	16	15
Dividends paid	(2,402)	(2,355)
Net cash used in financing activities	(49,145)	(15,633)
Net (decrease) in cash and cash equivalents	(1,186)	(5,416)
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	34,291	42,202
CASH AND CASH EQUIVALENTS AT END OF PERIOD	33,105	36,786
Supplemental Disclosures of Cash Flow Information:
Interest paid	13,546	17,562
Income taxes paid	0	0
Loans transferred to foreclosed property	0	40
Right of use asset and liability	$ (828)	$ 377