Note 26 - Segment Information (Tables)

12 Months Ended

Dec. 31, 2024

Notes Tables

Schedule of Segment Reporting Information, by Segment [Table Text Block]

		*For the Year ended December 31, 2024*
2024		*Core Banking*				*Financial Technology*				*Consolidated*
Interest income - loans, including fees - (1)		$	123,609			$	1,568			$	125,177
Interest income - investments, other			9,438				—				9,438
Service charge income			1,298				698				1,996
Other fee income			1,256				—				1,256
Total		$	135,601			$	2,266			$	137,867

Less:
Interest expense - deposits			68,062				103				68,165
Interest expense - subordinated debt, other			3,876				—				3,876
Total consolidated interest expense			71,938				103				72,041
Segment gross profit		$	63,663			$	2,163			$	65,826
Less:
Provision for credit losses			6,763				—
Salaries and employee benefits			28,207				2,268
Furniture and equipment expenses			2,944				692
Advertising and marketing			2,058				141
Outside services			1,753				1,874
Computer software intangible impairment			—				19,721
Other operating expenses			12,473				836
Total non-interest expense			54,198				25,532
Segment profit (loss)		$	9,465			$	(23,369	)		$	(13,904	)

Other segment disclosures
Interest income			133,047				1,568				134,615
Interest expense			71,938				103				72,041
Depreciation			1,450				20				1,470
Amortization			2,717				447				3,164
Other significant noncash items:
Provision for credit losses			6,763				—				6,763
Computer software intangible impairment			—				19,721				19,721
Segment assets			2,228,036				62				2,228,098
Expenditures for segment assets			158,263				4,880				163,143

		*For the Year ended December 31, 2023*
2023		*Core Banking*				*Financial Technology*				*Consolidated*
Interest income - loans, including fees - (1)		$	114,120			$	2,362			$	116,482
Interest income - investments, other			7,939				—				7,939
Service charge income			1,281				868				2,149
Other fee income			1,191				—				1,191
Total		$	124,531			$	3,230			$	127,761

Less:
Interest expense - deposits			42,850				18				42,868
Interest expense - subordinated debt, other			4,811				—				4,811
Total consolidated interest expense			47,661				18				47,679
Segment gross profit		$	76,870			$	3,212			$	80,082
Less:
Provision for credit losses			1,642				—
Salaries and employee benefits			26,688				1,579
Furniture and equipment expenses			2,431				356
Advertising and marketing			2,208				135
Outside Services			1,206				838
Other Operating expenses			9,800				375
Total Non-Interest Expense			43,975				3,283
Segment profit (loss)		$	32,895			$	(71	)		$	32,824

Other segment disclosures
Interest income			122,059				2,362				124,421
Interest expense			47,661				18				47,679
Depreciation			1,242				20				1,262
Amortization			1,483				—				1,483
Other significant noncash items:
Provision for credit losses			1,642				—				1,642
Segment assets			2,020,693				14,739				2,035,432
Expenditures for segment assets			138,761				5,508				144,269

		*For the Year ended December 31, 2022*
2022		*Core Banking*				*Financial Technology*				*Consolidated*
Interest income - loans, including fees - (1)		$	77,954			$	1,091			$	79,045
Interest income - investments, other			4,973				—				4,973
Service charge income			1,414				1,006				2,420
Other fee income			2,241				—				2,241
Total		$	86,582			$	2,097			$	88,679

Less:
Interest expense - deposits			10,080				6				10,086
Interest expense - subordinated debt, other			3,283				—				3,283
Total consolidated interest expense			13,363				6				13,369
Segment gross profit		$	73,219			$	2,091			$	75,310
Less:
Provision for loan losses			2,398				—
Salaries and employee benefits			22,623				1,178
Furniture and equipment expenses			2,658				128
Advertising and marketing			1,993				311
Outside services			1,532				543
Other operating expenses			8,188				370
Total non-interest expense			39,392				2,530
Segment profit (loss)		$	33,827			$	(439	)		$	33,388

Other segment disclosures
Interest income			82,927				1,091				84,018
Interest expense			13,363				6				13,369
Depreciation			1,274				5				1,279
Amortization			1,300				—				1,300
Other significant noncash items:
Provision for loan losses			2,398				—				2,398
Segment assets			1,868,944				9,253				1,878,197
Expenditures for segment assets			503,542				6,656				510,198