​

Three Months Ended June 30, 

​

2025

2024

​

​

(In Thousands)

Interest income

​

$

80,975

​

$

80,927

Interest expense

​

30,012

​

34,109

Net interest income

​

50,963

​

46,818

​

​

​

​

​

​

​

Credit loss expense

​

(110)

​

(607)

Net interest income after credit loss expense

​

51,073

​

47,425

​

​

​

​

​

​

​

Non-interest Income

​

​

​

Commissions

​

411

​

269

Overdraft and insufficient funds fees

​

1,266

​

1,230

Point-of-sale and ATM fee income and service charges

​

3,444

​

3,588

Net gain on loan sales

​

893

​

1,127

Late charges and fees on loans

​

340

​

136

Fees from debit card contracts

​

368

​

346

Other income

​

1,490

​

3,137

​

​

8,212

​

9,833

​

​

​

​

​

​

​

Non-interest Expense

​

​

​

Salaries and incentives

​

16,275

​

16,216

Employee benefits

​

3,730

​

3,670

Net occupancy expense

​

3,003

​

2,967

Technology, furniture and equipment expense

​

5,432

​

4,874

Postage

​

825

​

777

Insurance

​

1,095

​

1,263

Advertising

​

705

​

891

Office supplies and printing

​

238

​

236

Telephone

​

705

​

685

Legal, audit and other professional fees

​

929

​

1,864

Expense (income) on other real estate and repossessions

​

(168)

​

285

Intangible asset amortization

​

108

​

109

Travel meals and entertainment

​

711

​

606

Other operating expenses

​

1,417

​

1,966

​

​

35,005

​

36,409

​

​

​

​

​

​

​

Income Before Income Taxes

​

24,280

​

20,849

Provision for Income Taxes

​

4,494

​

3,861

Net Income

​

$

19,786

​

$

16,988

​

​

Six Months Ended June 30,

​

2025

2024

​

(In Thousands)

Interest income

$

161,218

$

158,317

Interest expense

​

60,921

​

66,683

Net interest income

​

100,297

​

91,634

​

​

​

​

​

​

​

Credit loss expense

​

(458)

​

23

Net interest income after credit loss expense

​

100,755

​

91,611

​

​

​

​

​

​

​

Non-interest Income

​

​

Commissions

​

673

​

650

Overdraft and insufficient funds fees

​

2,481

​

2,519

Point-of-sale and ATM fee income and service charges

​

6,678

​

6,771

Net gain on loan sales

​

1,494

​

1,804

Late charges and fees on loans

​

583

​

303

Fees from debit card contracts

​

868

​

1,101

Other income

​

2,025

​

3,491

​

​

14,802

​

16,639

​

​

​

​

​

​

​

Non-interest Expense

​

​

Salaries and incentives

​

32,478

​

32,078

Employee benefits

​

7,656

​

7,464

Net occupancy expense

​

6,382

​

5,985

Technology, furniture and equipment expense

​

10,586

​

9,695

Postage

​

1,756

​

1,584

Insurance

​

2,260

​

2,407

Advertising

​

995

​

1,241

Office supplies and printing

​

504

​

503

Telephone

​

1,411

​

1,406

Legal, audit and other professional fees

​

1,967

​

3,589

Expense (income) on other real estate and repossessions

​

(238)

​

346

Intangible asset amortization

​

216

​

217

Travel meals and entertainment

​

950

​

828

Other operating expenses

​

2,904

​

3,488

​

​

69,827

​

70,831

​

​

​

​

​

​

​

Income Before Income Taxes

​

45,730

​

37,419

Provision for Income Taxes

​

8,784

​

7,024

Net Income

​

$

36,946

​

$

30,395