SEGMENT REPORTING (Tables)

3 Months Ended

Mar. 31, 2026

Schedule of Summarized Financial Information Showing Reconciliation of Segment Net Income Loss and Assets to Consolidated Results

The Holding Company and CFS columns below includes income and expenses related to insurance products, mutual funds, and brokerage services (in thousands).


	Three Months Ended March 31, 2026
	Core Banking		WMG		Holding Company and CFS		Inter-Segment Eliminations		Consolidated Totals
Interest and dividend income	$	33,584	$	—	$	3	$	(2)	$	33,585
Interest expense	9,105		—		898		(2)		10,001
Net interest income	24,479		—		(895)		—		23,584
Provision for credit losses	601		—		—		—		601
Net interest income after provision for credit losses	23,878		—		(895)		—		22,983
Non-interest income	2,706		3,145		473		(4)		6,320
Non-interest expenses:

Compensation expense and benefits	7,854		1,410		316		—		9,580
Net occupancy expense	1,445		83		4		(4)		1,528
Furniture and equipment expense	393		14		2		—		409
Data processing & software expense	2,218		310		8		—		2,536
Other non-interest expenses	3,161		151		97		—		3,409
Total non-interest expense	15,071		1,968		427		(4)		17,462
Income before income tax expense (benefit)	11,513		1,177		(849)		—		11,841
Income tax expense (benefit)	2,609		266		(233)		—		2,642
Segment net income (loss)	$	8,904	$	911	$	(616)	$	—	$	9,199
Supplemental Information:
Total assets as of March 31, 2026	$	2,631,706	$	3,045	$	307,172	$	(193,201)	$	2,748,722
Capital expenditures	$	111	$	22	$	—	$	—	$	133
Depreciation expense (1)	$	471	$	13	$	—	$	—	$	484

(1) Included in net occupancy and furniture and equipment expense in the table above.


	Three Months Ended March 31, 2025
	Core Banking		WMG		Holding Company, and CFS		Inter-Segment Eliminations		Consolidated Totals
Interest and dividend income	$	31,698	$	—	$	1	$	(1)	$	31,698
Interest expense	11,882		—		—		(1)		11,881
Net interest income	19,816		—		1		—		19,817
Provision for credit losses	1,092		—		—		—		1,092
Net interest income after provision for credit losses	18,724		—		1		—		18,725
Non-interest income	2,816		2,867		209		(3)		5,889
Non-interest expenses:

Compensation expense and benefits	7,349		1,413		256		—		9,018
Net occupancy expense	1,470		63		3		(3)		1,533
Furniture and equipment expense	351		19		3		—		373
Data processing & software expense	2,210		313		11		—		2,534
Other non-interest expenses	3,274		106		89		—		3,469
Total non-interest expense	14,654		1,914		362		(3)		16,927
Income before income tax expense (benefit)	6,886		953		(152)		—		7,687
Income tax expense (benefit)	1,505		208		(49)		—		1,664
Segment net income (loss)	$	5,381	$	745	$	(103)	$	—	$	6,023
Supplemental Information:
Total assets as of March 31, 2025	$	2,766,339	$	3,005	$	228,017	$	(200,636)	$	2,796,725
Capital expenditures	$	328	$	—	$	—	$	—	$	328
Depreciation expense (1)	$	452	$	15	$	—	$	—	$	467

(1) Included in net occupancy and furniture and equipment expense in the table above.