| Summary of Company's Source of Non-interest Income |
Except for gains or losses from the sale of other real estate owned, all of the Company’s revenue from contracts with customers within the scope of ASC 606 are recognized in non-interest income. The following table presents the Company’s sources of non-interest income for the years ended December 31, 2025, 2024 and 2023.
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2025 |
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2024 |
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2023 |
|
Non-interest income |
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|
|
Service charges and fees |
|
$ |
9,321 |
|
|
$ |
9,830 |
|
|
$ |
10,187 |
|
Debit card income |
|
|
11,414 |
|
|
|
10,246 |
|
|
|
10,322 |
|
Mortgage banking(a) |
|
|
567 |
|
|
|
861 |
|
|
|
652 |
|
Increase in bank-owned life insurance(a) |
|
|
7,717 |
|
|
|
4,966 |
|
|
|
4,059 |
|
Net gain on acquisition and branch sales(a) |
|
|
— |
|
|
|
2,131 |
|
|
|
— |
|
Net gain (loss) from securities transactions(a) |
|
|
(53,174 |
) |
|
|
220 |
|
|
|
(51,909 |
) |
Other non-interest income |
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|
|
|
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Investment referral income |
|
|
676 |
|
|
|
500 |
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|
|
424 |
|
Trust income |
|
|
1,947 |
|
|
|
1,624 |
|
|
|
1,123 |
|
Insurance sales commissions |
|
|
537 |
|
|
|
555 |
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|
|
582 |
|
Recovery on zero-basis purchased loans(a) |
|
|
7 |
|
|
|
4,380 |
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|
|
517 |
|
Income (loss) from equity method investments(a) |
|
|
— |
|
|
|
(87 |
) |
|
|
(222 |
) |
Other non-interest income related to loans
and deposits |
|
|
4,742 |
|
|
|
4,084 |
|
|
|
5,013 |
|
Other non-interest income not related to
loans and deposits(a) |
|
|
218 |
|
|
|
(488 |
) |
|
|
123 |
|
Total other non-interest income |
|
|
8,127 |
|
|
|
10,568 |
|
|
|
7,560 |
|
Total |
|
$ |
(16,028 |
) |
|
$ |
38,822 |
|
|
$ |
(19,129 |
) |
(a) Not within the scope of ASC 606 |
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