Business Segments as of the Three Months Ended

June 30, 2025

Dollars in Thousands

Community Banking

Mortgage Banking

Investment Advisory

Holding Company

Eliminations

Consolidated

Interest income

$             11,638

$                 -

$               -

$                -

$                      -

$             11,638

Interest expense

3,186

-

-

168

34

3,388

Net interest income

8,452

-

-

(168)

(34)

8,250

Gains on sales of loans

-

1,589

-

-

-

1,589

Other noninterest income

1,217

-

1,300

2,845

(2,876)

2,486

Net revenue

9,669

1,589

1,300

2,677

(2,910)

12,325

Less:

Recovery of credit losses

(528)

-

-

-

-

(528)

Noninterest expense:

Salaries and employee benefits

4,013

903

442

-

(1)

5,357

Occupancy

502

27

32

-

(64)

497

Equipment

631

14

10

(1)

-

654

Supplies

153

5

10

-

-

168

Professional and other outside expenses

778

-

24

16

-

818

Data processing

719

-

-

-

-

719

Marketing

222

-

7

8

-

237

Credit expense

43

220

-

-

-

263

FDIC insurance expense

120

-

-

-

-

120

Amortization of intangibles

-

-

140

-

-

140

Other

409

51

21

1

-

482

Total noninterest expense

7,590

1,220

686

24

(65)

9,455

Segment income before income taxes

2,607

369

614

2,653

(2,845)

3,398

Allocated income tax expense

502

78

166

(52)

-

694

Segment net income

$               2,105

$            291

$           448

$        2,705

$              (2,845)

$               2,704

Segment assets at June 30, 2025

$           996,032

$         3,992

$      11,517

$    104,891

$          (112,190)

$        1,004,242

Supplemental Data at June 30, 2025:

Total loans held for investment, net

$           649,089

$                 -

$               -

$                -

$                      -

$           649,089

Total deposits

915,417

-

-

-

(4,890)

910,527

Assets under management

-

-

929,957

-

-

929,957

Business Segments as of the Six Months Ended

June 30, 2024

Dollars in Thousands

Community Banking

Mortgage Banking

Investment Advisory

Holding Company

Eliminations

Consolidated

Interest income

$ 21,444

$  -

$  -

$ -

$ -

$  21,444

Interest expense

7,014

-

-

349

40

7,403

Net interest income

14,430

-

-

(349)

(40)

14,041

Gains on sales of loans

-

2,200

-

-

-

2,200

Other noninterest income

2,997

-

2,339

4,560

(4,598)

5,298

Net revenue

17,427

2,200

2,339

4,211

(4,638)

21,539

Less:

Recovery of credit losses

(676)

-

-

-

-

(676)

Noninterest expense:

Salaries and employee benefits

7,151

1,328

858

-

-

9,337

Occupancy

954

61

52

-

(88)

979

Equipment

1,186

32

21

-

-

1,239

Supplies

239

10

17

-

-

266

Professional and other outside expenses

1,394

-

49

53

-

1,496

Data processing

1,499

-

-

-

-

1,499

Marketing

375

-

6

(120)

-

261

Credit expense

117

305

-

-

-

422

Other real estate expenses, net

-

-

-

-

-

-

FDIC insurance expense

235

-

-

-

-

235

Amortization of intangibles

-

-

280

-

-

280

Other

741

17

55

-

-

813

Total noninterest expense

13,891

1,753

1,338

(67)

(88)

16,827

Segment income before income taxes

4,212

447

1,001

4,278

(4,550)

5,388

Allocated income tax expense

806

94

210

(57)

-

1,053

Segment net income

$ 3,406

$ 353

$ 791

$ 4,335

$ (4,550)

$ 4,335

Segment assets at June 30, 2024

$ 961,214

$ 5,280

$ 11,517

$ 104,891

$ (104,891)

$ 978,011

Supplemental Data at June 30, 2024:

Total loans held for investment, net

$ 636,552

$ -

$ -

$ -

$ -

$ 636,552

Total deposits

887,126

$ -

$ -

-

(4,722)

882,404

Assets under management

$ -

-

$ 802,906

-

-

$ 802,906