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CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
INTEREST INCOME    
Loans, including fees $ 76,798 $ 66,537
Investment securities:    
Taxable 6,501 4,460
Tax-exempt 297 348
Other interest-bearing balances 110 138
Federal funds sold 220 261
Total Interest Income 83,926 71,744
INTEREST EXPENSE    
Deposits 27,848 28,264
Short-term borrowings 702 290
Long-term and subordinated debt 126 681
Total Interest Expense 28,676 29,235
Net Interest Income 55,250 42,509
Provision for credit losses - loans 1,648 321
Benefit for credit losses - credit commitments (54) (20)
Net provision for credit losses 1,594 301
Net Interest Income After Provision for Credit Losses 53,656 42,208
NONINTEREST INCOME    
Net gain on sales of SBA loans 163 57
Earnings from cash surrender value of life insurance 705 274
Other 3,009 1,705
Total Noninterest Income 9,604 5,239
NONINTEREST EXPENSE    
Salaries and employee benefits 23,346 16,309
Software licensing and utilization 3,598 2,574
Occupancy, net 3,253 2,274
Equipment 1,553 1,094
Shares tax 964 919
Legal and professional fees 1,688 826
ATM/card processing 757 733
Intangible amortization 1,300 428
FDIC Assessment 800 990
Loss/(gain) on sale of foreclosed assets, net 491 (28)
Merger and acquisition 7,723 314
Other 6,486 4,209
Total Noninterest Expense 51,959 30,642
INCOME BEFORE PROVISION FOR INCOME TAXES 11,301 16,805
Provision for income taxes 2,595 3,063
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS $ 8,706 $ 13,742
PER COMMON SHARE DATA:    
Basic Earnings Per Common Share (in dollars per share) $ 0.36 $ 0.71
Diluted Earnings Per Common Share (in dollars per share) $ 0.36 $ 0.71
Weighted-average basic shares outstanding (in shares) 23,949,008 19,355,867
Weighted-average diluted shares outstanding (in shares) 24,314,139 19,416,265
Fiduciary and wealth management    
NONINTEREST INCOME    
Non-interest Income $ 3,661 $ 1,140
ATM debit card interchange    
NONINTEREST INCOME    
Non-interest Income 1,035 919
Service charges on deposits    
NONINTEREST INCOME    
Non-interest Income 636 562
Mortgage banking    
NONINTEREST INCOME    
Non-interest Income 314 591
Mortgage hedging    
NONINTEREST INCOME    
Non-interest Income $ 81 $ (9)