Equity Components [Axis]
Common Stock [Member]
Additional Paid-in Capital [Member]
Nonvested Restricted Stock [Member]
Retained Earnings [Member]
AOCI Attributable to Parent [Member]
Long-Lived Tangible Asset [Axis]
Building [Member]
Furniture and Fixtures [Member]
Financial Instrument [Axis]
US Treasury Securities [Member]
US Government-sponsored Enterprises Debt Securities [Member]
Mortgage-Backed Security, Issued by US Government-Sponsored Enterprise [Member]
Small Business Administration pools [Member]
Corporate and other securities [Member]
US States and Political Subdivisions Debt Securities [Member]
Class of Financing Receivable [Axis]
Commercial Loan [Member]
Construction Loans [Member]
Residential Mortgage [Member]
Commercial Real Estate [Member]
Home Equity Line of Credit [Member]
Consumer Portfolio Segment [Member]
Unallocated Financing Receivables [Member]
Loan Restructuring Modification [Axis]
Payment Deferral [Member]
Interest Expense [Member]
Financial Asset, Aging [Axis]
Financial Asset, Not Past Due [Member]
Financing Receivables 30 To 89 Days Past Due [Member]
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivables Nonaccrual [Member]
Internal Credit Assessment [Axis]
Pass [Member]
Special Mention [Member]
Substandard [Member]
Financial Asset, 30 to 59 Days Past Due [Member]
Financial Asset, 60 to 89 Days Past Due [Member]
Financial Asset, Past Due [Member]
Unfunded Loan Commitment [Member]
Measurement Basis [Axis]
Reported Value Measurement [Member]
Estimate of Fair Value Measurement [Member]
Fair Value Hierarchy and NAV [Axis]
Fair Value, Inputs, Level 1 [Member]
Fair Value, Inputs, Level 2 [Member]
Fair Value, Inputs, Level 3 [Member]
Measurement Frequency [Axis]
Fair Value, Recurring [Member]
Collateralized Mortgage-Backed Securities [Member]
Fair Value, Nonrecurring [Member]
Asset Class [Axis]
Other Real Estate Owned [Member]
Valuation Approach and Technique [Axis]
Appraisal Value Comparison Sales Other Estimates Valuation Technique [Member]
Land [Member]
Equipment [Member]
Asset under Construction [Member]
Finite-Lived Intangible Assets by Major Class [Axis]
Core Deposits [Member]
Other Intangible Assets [Member]
Pledged Status [Axis]
Asset Pledged as Collateral without Right [Member]
Pledging Purpose [Axis]
Federal Home Loan Bank Advances [Member]
Schedule of Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Axis]
Trust Preferred Securities Subject to Mandatory Redemption [Member]
Legal Entity [Axis]
F C C Capital Trust I [Member]
Long-Term Debt, Type [Axis]
Junior Subordinated Debt [Member]
Income Tax Jurisdiction [Axis]
State and Local Jurisdiction [Member]
Consolidated Entities [Axis]
Subsidiaries [Member]
Concentration Risk Benchmark [Axis]
Loans Receivable [Member]
Concentration Risk Type [Axis]
Credit Concentration Risk [Member]
Customer [Axis]
Lessors Of Non Residential Properties [Member]
Lessors Of Residential Properties [Member]
Private Households [Member]
Other Activities Related To Real Estate [Member]
Hotels [Member]
Related and Nonrelated Parties [Axis]
Key Individuals [Member]
Equity-Based Arrangements, Individual Contracts, Type of Deferred Compensation [Axis]
Salary Continuation Plan [Member]
Parent Company [Member]
Held-to-Maturity Securities [Member]
Available-for-Sale Securities [Member]
Derivative [Member]
Derivative Instrument [Axis]
Interest Rate Contract [Member]
Investments [Member]
Segments [Axis]
Commercial And Retail Banking [Member]
Mortgage Banking [Member]
Investment Advisory And Non Deposit [Member]
Corporate Segment [Member]
Eliminations [Member]
Business Combination [Axis]
Signature Bank Of Georgia [Member]
Cover [Abstract]
Document Type
Amendment Flag
Amendment Description
Document Registration Statement
Document Annual Report
Document Quarterly Report
Document Transition Report
Document Shell Company Report
Document Shell Company Event Date
Document Period Start Date
Document Period End Date
Document Fiscal Period Focus
Document Fiscal Year Focus
Current Fiscal Year End Date
Entity File Number
Entity Registrant Name
Entity Central Index Key
Entity Primary SIC Number
Entity Tax Identification Number
Entity Incorporation, State or Country Code
Entity Address, Address Line One
Entity Address, Address Line Two
Entity Address, Address Line Three
Entity Address, City or Town
Entity Address, State or Province
Entity Address, Country
Entity Address, Postal Zip Code
Country Region
City Area Code
Local Phone Number
Extension
Written Communications
Soliciting Material
Pre-commencement Tender Offer
Pre-commencement Issuer Tender Offer
Title of 12(b) Security
No Trading Symbol Flag
Trading Symbol
Security Exchange Name
Title of 12(g) Security
Security Reporting Obligation
Annual Information Form
Audited Annual Financial Statements
Entity Well-known Seasoned Issuer
Entity Voluntary Filers
Entity Current Reporting Status
Entity Interactive Data Current
Entity Filer Category
Entity Small Business
Entity Emerging Growth Company
Elected Not To Use the Extended Transition Period
Document Accounting Standard
Other Reporting Standard Item Number
Entity Shell Company
Entity Public Float
Entity Bankruptcy Proceedings, Reporting Current
Entity Common Stock, Shares Outstanding
Documents Incorporated by Reference [Text Block]
Auditor Name
Auditor Firm ID
Auditor Location
Statement of Financial Position [Abstract]
ASSETS
Cash and due from banks
Interest-bearing bank balances
Investment securities available-for-sale
Investment securities held-to-maturity, fair value of $188,563 and $196,040 at December 31, 2025 and December 31, 2024, respectively, net of allowance for credit losses-investments
Other investments, at cost
Loans held-for-sale
Loans held-for-investment
Less, allowance for credit losses
Net loans held-for-investment
Property and equipment - net
Lease right-of-use asset
Bank owned life insurance
Other real estate owned
Intangible assets
Goodwill
Other assets
Total assets
LIABILITIES
Deposits:
Non-interest bearing
Interest bearing
Total deposits
Securities sold under agreements to repurchase
Junior subordinated debt
Lease liability
Other liabilities
Total liabilities
Commitments and Contingencies (Note 15)
SHAREHOLDERS’ EQUITY
Preferred stock, par value $1.00 per share; 10,000,000 shares authorized; none issued and outstanding
Common stock, par value $1.00 per share; 20,000,000 shares authorized; issued and outstanding 7,693,215 at December 31, 2025, and 7,644,424 at December 31, 2024
Nonvested restricted stock and stock units
Additional paid in capital
Retained earnings
Accumulated other comprehensive loss
Total shareholders’ equity
Total liabilities and shareholders’ equity
Debt Securities, Held-to-Maturity, Fair Value
Preferred Stock, Par or Stated Value Per Share
Preferred Stock, Shares Authorized
Preferred Stock, Shares Issued
Preferred Stock, Shares Outstanding
Common Stock, Par or Stated Value Per Share
Common Stock, Shares Authorized
Common Stock, Shares, Issued
Common Stock, Shares, Outstanding
Income Statement [Abstract]
Interest income:
Loans, including fees
Investment securities - taxable
Investment securities – non-taxable
Other short-term investments and CDs
Total interest income
Interest expense:
Deposits
Securities sold under agreement to repurchase
Other borrowed money
Total interest expense
Net interest income
Provision for credit losses
Net interest income after provision for credit losses
Non-interest income:
Deposit service charges
Mortgage banking income
Investment advisory fees and non-deposit commissions
Loss on sale of securities
Gain on sale of other real estate owned
Loss on sale of other assets
Other non-recurring income
Other
Total non-interest income
Non-interest expense:
Salaries and employee benefits
Occupancy
Equipment
Marketing and public relations
FDIC insurance assessments
Other real estate expense (income)
Amortization of intangibles
Merger
Other
Total non-interest expense
Net income before tax
Income tax expense
Net income
Basic earnings per common share
Diluted earnings per common share
Net income
Other comprehensive income:
Unrealized gain during the period on available for sale securities, net of tax expense of $1,533, $215, and $501, respectively
Reclassification adjustment for hedge-related loss included in net income, net of tax benefit of $9, $0, and $0, respectively
Reclassification adjustment for loss on sale of available-for-sale securities included in net income, net of tax benefit of $0, $0, and $262, respectively
Reclassification adjustment for amortization of unrealized losses on securities transferred from available-for-sale to held-to-maturity, net of tax expense of $352, $362, and $352, respectively
Other comprehensive income
Comprehensive income
Other Comprehensive Income Unrealized Holding Gain On Securities Arising During Period Tax
Unrealized loss during the period on investment hedge, Tax
Reclassification adjustment for loss (gain) included in net income, taxes
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Investment Transferred from Available-for-Sale to Equity Method, Tax
Statement [Table]
Statement [Line Items]
Beginning balance, value
Beginning Balance, Shares
Adoption of ASU 2016-13 net of tax benefit of $90
Other comprehensive income net of tax expense of $1,876
Issuance of restricted stock
Ending Balance, Shares
Issuance of common stock-deferred compensation
Stock-based compensation, Shares
Grant of restricted stock units
Amortization of compensation on restricted stock
Shares forfeited
Ending Balance, Shares
Dividends: Common ($0.62 per share)
Dividend reinvestment plan
Ending Balance, Shares
Stock-based compensation
Ending balance, value
Ending Balance, Shares
Statement of Stockholders' Equity [Abstract]
OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, Tax
Common Stock, Dividends, Per Share, Cash Paid
Statement of Cash Flows [Abstract]
Cash flows from operating activities:
Adjustments to reconcile net income to net cash provided in operating activities
Depreciation
Net premium amortization AFS
Net premium amortization HTM
Provision for credit losses
Write-downs of other real estate owned
Gain on sale of other real estate owned
Originations of HFS loans
Sales of HFS loans
Gain on sale of HFS loans
Loss on sale of securities
Loss on fair value of equity investments
Accretion on acquired loans
Loss on sale of other assets
Decrease (increase) in other assets
(Decrease) increase in other liabilities
Net cash provided by operating activities
Cash flows from investing activities:
Proceeds from sale of securities available-for-sale
Purchase of investment securities available-for-sale
(Purchase) sale of other investment securities
Maturity/call of investment securities available-for-sale
Maturity/call of investment securities held-to-maturity
Increase in loans
Proceeds from sale of other real estate owned
Purchase of property and equipment
Net disposal of property and equipment
Net cash used by investing activities
Cash flows from financing activities:
Increase in deposit accounts
Decrease in federal funds borrowed
Advances from the Federal Home Loan Bank
Repayment of advances from the Federal Home Loan Bank
Increase (decrease) in securities sold under agreements to repurchase
Proceeds from dividend reinvestment plan
Dividends paid on common stock
Net cash provided by financing activities
Net increase in cash and cash equivalents
Cash and cash equivalents at beginning of year
Cash and cash equivalents at end of year
Supplemental disclosure:
Cash paid during the period for: interest
Income Taxes
Non-cash investing and financing activities:
Unrealized gain on securities available-for-sale, net of tax
Adoption of ASU 2016-13 (CECL transition)
Transfer of loans to other real estate owned
Recognition of operating lease right of use asset
Recognition of operating lease liability
Termination of operating lease right of use asset
Termination of operating lease liability
Organization, Consolidation and Presentation of Financial Statements [Abstract]
ORGANIZATION AND BASIS OF PRESENTATION
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES
Receivables [Abstract]
LOANS
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENT
Property, Plant and Equipment [Abstract]
PROPERTY AND EQUIPMENT
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL, CORE DEPOSIT INTANGIBLE
Banking and Thrift Disclosure [Text Block]
OTHER REAL ESTATE OWNED
DEPOSITS
Securities Sold Under Agreements To Repurchase And Other Borrowed Money
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE AND OTHER BORROWED MONEY
ADVANCES FROM FEDERAL HOME LOAN BANK
Broker-Dealer [Abstract]
JUNIOR SUBORDINATED DEBT
Leases [Abstract]
LEASES
Income Tax Disclosure [Abstract]
INCOME TAXES
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS, CONCENTRATIONS OF CREDIT RISK, AND CONTINGENCIES
Revenue Recognition
REVENUE RECOGNITION
Other Income and Expenses [Abstract]
OTHER INCOME AND OTHER EXPENSE
Share-Based Payment Arrangement [Abstract]
STOCK OPTIONS, RESTRICTED STOCK, RESTRICTED STOCK UNITS, AND DEFERRED COMPENSATION
Retirement Benefits [Abstract]
EMPLOYEE BENEFIT PLANS
Earnings Per Share [Abstract]
EARNINGS PER COMMON SHARE
Equity [Abstract]
SHAREHOLDERS’ EQUITY, CAPITAL REQUIREMENTS AND DIVIDEND RESTRICTIONS
Condensed Financial Information Disclosure [Abstract]
PARENT COMPANY FINANCIAL INFORMATION
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVES
Segment Reporting [Abstract]
REPORTABLE SEGMENTS
Business Combination, Asset Acquisition, Transaction between Entities under Common Control, and Joint Venture Formation [Abstract]
BUSINESS COMBINATION
Subsequent Events [Abstract]
SUBSEQUENT EVENTS
Use of Estimates
Cash and Cash Equivalents
Investment Securities
Other Investments, At Cost
Allowance for Credit Losses on Held-to-Maturity Securities
Allowance for Credit Losses on Available-for-Sale Securities
Loans
Allowance for Credit Losses - Loans
Allowance for Credit Losses on Unfunded Commitments
Mortgage Loans Held for Sale
Property and Equipment
Goodwill and Other Intangible Assets
Other Real Estate Owned
Derivatives
Comprehensive Income
Mortgage Origination Fees
Advertising Expense
Income Taxes
Stock Based Compensation Cost
Earnings Per Common Share
Business Combinations and Method of Accounting for Loans Acquired
Reclassifications
Segment Information
Application of New Accounting Guidance Adopted in 2025
Recently Issued Accounting Standards
General Risk and Uncertainties
Schedule of Amortized Cost and Estimated Fair Values of Investment Securities Available-For-Sale
Schedule of Amortized Cost and Estimated Fair Values of Investment Securities Held-To-Maturity
Schedule of gross unrealized losses and fair values, aggregated by investment category and length of time that individual securities have been in a continuous loss position.
Schedule of Amortized Cost and Fair Value of Investment Securities
Schedule of allowance for credit losses on held to maturity securities
Schedule of Loan Portfolio
Schedule of Allowance for Credit Losses
Schedule of Amortized Cost of Loans, by Loan Category, Modified for Borrowers with Financial Difficulty
Schedule of loan category and loan by risk categories
Schedule of Loan Category and Aging Analysis of Loans
Schedule of Related Party Loans
Schedule of Related Party Loans
The following table presents the balance and activity in the allowance for credit losses for unfunded loan commitments for the year ended December 31, 2025.
Schedule of Fair Value, by Balance Sheet Grouping
Schedule of Fair Value, Assets Measured on Non-Recurring Basis
Schedule of Fair Value, Assets Measured on Non-Recurring Basis
Schedule of Fair Value Measurement Inputs and Valuation Techniques
Schedule of Property and Equipment
Schedule of Intangible Assets excluding Goodwill
Schedule of Aggregate Amortization Expenses
Schedule of Goodwill
Schedule of Other Real Estate Owned
Schedule of Deposits
Schedule of Scheduled Maturities of Time Deposits
Schedule of Future Undiscounted Operating Lease Payments
Schedule of Income Tax Expenses
Schedule of Effective Income Tax Rate Reconciliation
Schedule of Deferred Tax Assets and Liabilities
Schedule of Concentrations of Credit Risk
Schedule of Revenue Recognition
Schedule of Components of Other Non-Interest Income
A summary of the components of other non-interest expense is as follows:
Schedule of nonvested restricted stock and stock units
Schedule of Non-Employee Director Deferred Compensation
Schedule of Fair Value of Stock Awards Granted
Schedule of Fair Value of Stock Awards Granted
Schedule of Compensation Expense Related to Stock Awards Granted
Schedule of Stock Awards Granted Under 2021 Incentive Plan
Schedule of Earning Per Common Share
Schedule of actual capital amounts and ratios as well as minimum amounts for each regulatory defined category for the bank and the company
Condensed Balance Sheets
Condensed Statements of Operations
Condensed Statements of Cash Flows
Schedule of Amount Recorded on Balance Sheet to Cumulative Basis Adjustment for Fair Value Hedges
Schedule of Gross Notional Amount and Estimated Fair Value of Derivative Instruments
Schedule of Company’s Reportable Segment
Property, Plant and Equipment [Table]
Property, Plant and Equipment [Line Items]
Investment in Federal Home Loan Bank Stock, Fair Value Disclosure
Property, Plant and Equipment, Useful Life
Advertising Expense
Marketable Securities [Table]
Marketable Securities [Line Items]
Debt Securities, Available-for-Sale, Amortized Cost
Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Gain, before Tax
Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax
Debt Securities, Available-for-Sale
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss
Debt Securities, Held-to-Maturity, Accumulated Unrecognized Gain
Debt Securities, Held-to-Maturity, Accumulated Unrecognized Loss
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss
Debt Securities, Available-for-Sale, Unrealized Loss Position
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss
Debt Securities, Held-to-Maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value
Debt Securities, Held-to-Maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss
Debt Securities, Held-to-Maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value
Debt Securities, Held-to-Maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss
Debt Securities, Held-to-Maturity, Unrealized Loss Position, Fair Value
Debt Securities, Held-to-Maturity, Unrealized Loss Position, Accumulated Loss
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Amortized Cost
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Amortized Cost
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 5 through 10 Years, Amortized Cost
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 5 through 10 Years, Fair Value
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, Year One
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, Year One
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, after Year One through Five
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, after Year 5 through 10
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity, Allocated and Single Maturity Date, after Year 10
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10
Debt Securities, Held-to-Maturity, Allowance for Credit Loss
Debt Securities, Held-to-Maturity, Maturity, Allocated and Single Maturity Date, Fair Value
Beginning balance, December 31, 2024
Release of credit losses
Ending balance, December 31, 2025
Security Owned and Pledged as Collateral, Amortized Cost
Security Owned And Pledged as Collateral Fair Value
Financing Receivable, Past Due [Table]
Financing Receivable, Past Due [Line Items]
Total
Balance at the beginning of year
Adjustment for adoption of ASU 2016-13
Provision for credit losses
Charged off loans
Recoveries
Balance at end of year
Charge-offs
Provisions for credit losses
Adjustment to allowance for adoption of ASU 2016-13
Financing Receivable, Modified, Commitment to Lend
Percentage of Total Loan Type
Total Loans
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year
Financing Receivable, Excluding Accrued Interest, Revolving
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff
Current period gross charge-offs, Total
Financing Receivable, Nonaccrual, No Allowance
Financing Receivable, Nonaccrual, Allowance
Financing Receivable, Nonaccrual
Balance, beginning of year
New Loans
Less loan repayments
Balance, end of year
Release of allowance for unfunded commitments
Balance, December 31, 2024
Deferred Loan Fees and Cost
Fair Value, by Balance Sheet Grouping [Table]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Financial Assets:
Cash and short term investments
Available-for-sale securities
Held-to-maturity securities
Loans held for sale
Derivative financial instruments
Net loans receivable
Accrued interest
Financial liabilities:
Non-interest bearing demand
Interest bearing demand deposits and money market accounts
Savings
Time deposits
Total deposits
Short term borrowings
Derivative financial instruments
Junior subordinated debentures
Accrued interest payable
Fair Value, off-Balance-Sheet Risk [Table]
Fair Value, off-Balance-Sheet Risks, Disclosure Information [Line Items]
Derivative financial instruments
Total
Fair Value, Recurring and Nonrecurring [Table]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total other real estate owned
Total
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Other Real Estate, Foreclosed Assets, and Repossessed Assets
Property and equipment, gross
Accumulated depreciation
Property and equipment, net
Depreciation
Gain (Loss) on Disposition of Property Plant Equipment
Intangible Asset, Finite-Lived [Table]
Finite-Lived Intangible Assets [Line Items]
Gross carrying amount
Accumulated amortization
Net
2026
2027
Balance—beginning of year
Acquired Goodwill
Impairment
Balance, end of year
Balance—beginning of year
Write-downs
Sales
Balance, end of year
Non-interest bearing deposits
2026
2027
2028
2029
2030 and after
Total
Time deposits FDIC insurance limit of $250 thousand
Deposits from directors and executive officers and their related interests
Amount of overdrafts classified as loans
Weighted Average Interest Rate
Short-Term Debt, Maximum Month-end Outstanding Amount
Average outstanding balance during the year
Average rate paid (as a percent)
Unused short-term lines of credit
Variable Interest Entity [Table]
Variable Interest Entity [Line Items]
Financing Receivable, after Allowance for Credit Loss
Federal Home Loan Bank, Advances, Activity for Year, Average Balance of Agreements Outstanding
Average interest rate (as a percent)
Federal Home Loan Bank, Advances, Activity for Year, Maximum Outstanding at any Month End
Financial Instrument Subject to Mandatory Redemption [Table]
Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]
Financial Instruments Subject to Mandatory Redemption, Settlement Terms, Maximum Amount
Debt Instrument, Description of Variable Rate Basis
Annual distribution rate, basis spread (as a percent)
Redemption price as a percentage of the principal amount if the securities are redeemed on or after September 16, 2009
2026
2027
2028
2029
2030
Thereafter
Total undiscounted lease payments
Less effect of discounting
Present value of estimated lease payments (lease liability)
Operating Lease Payments
Operating Lease Liability Reduced
Operating Lease Expense
Operating Lease, Weighted Average Remaining Lease Term
Operating Lease, Weighted Average Discount Rate, Percent
Current
Federal
State
Total Current
Deferred
Federal
State
Total Deferred
Income tax expense
Expected federal income tax expense
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent
State income tax net of federal benefit
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent
Tax exempt interest
Effective Income Tax Rate Reconciliation, Tax Exempt Income, Percent
Increase in cash surrender value life insurance
Effective Income Tax Rate Reconciliation, at Increase in cash surrender value life insurance, Percent
Valuation allowance
Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Percent
Life Insurance Proceeds
Effective Income Tax Rate Reconciliation, at Life Insurance Proceeds, Percent
Excess tax benefit of stock compensation
Effective Income Tax Rate Reconciliation, Tax Expense (Benefit), Share-Based Payment Arrangement, Percent
Tax credits
Effective Income Tax Rate Reconciliation, Tax Credit, Percent
Other
Effective Income Tax Rate Reconciliation, Other Adjustments, Percent
Effective Income Tax Rate Reconciliation, Percent
Assets:
Allowance for credit losses
Unfunded Commitments
Excess tax basis of deductible intangible assets
Net operating loss carry forward
Unrealized losses on available-for-sale securities
Unrealized losses on held-to-maturity securities
Compensation expense deferred for tax purposes
Deferred loss on other-than-temporary-impairment charges
Origination Income & Costs
Other Real Estate Owned
Accrued bonuses and vacation
Other
Total deferred tax asset
Valuation reserve
Total deferred tax asset net of valuation reserve
Liabilities:
Tax depreciation in excess of book depreciation
Excess financial reporting basis of assets acquired
Total deferred tax liabilities
Net deferred tax asset recognized
Effective Income Tax Rate Reconciliation [Table]
Effective Income Tax Rate Reconciliation [Line Items]
Operating loss carry forward, net
[custom:ConcentrationRiskNumber-0]
Total portfolio loan concentrations greater than or equal to 25% of the Bank’s risk-based capital
Nature of Operation, Product Information, Concentration of Risk [Table]
Product Information [Line Items]
Commitments to extend credit
Concentration Risk Number of Loans
Non-recurring income
Total non-interest income
ATM/debit card income
Recurring income on bank owned life insurance
Rental income
Other fees including safe deposit box fees
Wire transfer fees
Other
Total
Core banking and electronic processing and services
ATM/debit card processing
Software subscriptions and services
Supplies
Telephone
Courier
Correspondent services
Insurance
Debit card and Fraud losses
Investment advisory services
Loan processing and closing costs
Director fees
Legal and Professional fees
Shareholder expense
Other
Total
Non-employee director deferred compensation stock plan deferred stock units
Time-based restricted stock units - officer
Performance-based restricted stock units - officer
Restricted stock – officer and director
Total nonvested restricted stock and stock units
Non-employee director deferred compensation plan accumulated share units
Accrued amounts (dollars in thousands)1
Related director compensation expense (dollars in thousands)
Time-based restricted stock units - officer
Performance-based restricted stock units – officer
Restricted stock – officer
Restricted stock – director
Time-based restricted stock units - officer
Performance-based restricted stock units – officer
Restricted stock – officer
Restricted stock – director
Time-based restricted stock units – officer
Performance-based restricted stock units – officer
Restricted stock – officer
Restricted stock – director
Initial reserve – May 19, 2021
Additional reserve – May 20, 2025
Time-based restricted stock units - officer
Performance-based restricted stock units – officer
Restricted stock – officer
Restricted stock – director
Remaining reserve – December 31, 2025
Defined Benefit Plan [Table]
Defined Benefit Plan Disclosure [Line Items]
Defined Contribution Plan, Cost
Defined Contribution Plan Employer Match Level One
Defined Contribution Plan, Employer Matching Contribution, Percent of Match
Defined Contribution Plan Employer Match Level Two
Defined Contribution Plan, Maximum Annual Contributions Per Employee, Percent
Deferred Compensation Arrangement with Individual Age Of Employees Covered
Deferred Compensation Arrangement with Individual Monthly Benefits
Deferred Compensation Arrangement with Individual Monthly Benefits period
Cash Surrender Value of Life Insurance
Numerator (Included in basic and diluted earnings per share)
Denominator
Weighted average common shares outstanding for:
Basic earnings per common share
Dilutive securities:
Deferred compensation
Diluted common shares outstanding
The average market price used in calculating assumed number of shares
Subsidiary or Equity Method Investee, Sale of Stock [Table]
Subsidiary or Equity Method Investee [Line Items]
Banking Regulation, Tier 1 Risk-Based Capital, Capital Adequacy, Minimum
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Capital Adequacy, Minimum
Banking Regulation, Tier 1 Risk-Based Capital, Actual
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Actual
Banking Regulation, Tier 1 Risk-Based Capital, Well Capitalized, Minimum
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Well Capitalized, Minimum
Banking Regulation, Total Risk-Based Capital, Capital Adequacy, Minimum
Banking Regulation, Total Risk-Based Capital Ratio, Capital Adequacy, Minimum
Banking Regulation, Total Capital, Actual
Banking Regulation, Total Risk-Based Capital Ratio, Actual
Banking Regulation, Total Risk-Based Capital, Well Capitalized, Minimum
Banking Regulation, Total Risk-Based Capital Ratio, Well Capitalized, Minimum
Banking Regulation, Tier 1 Leverage Capital, Capital Adequacy, Minimum
Banking Regulation, Tier 1 Leverage Capital Ratio, Capital Adequacy, Minimum
Banking Regulation, Tier 1 Leverage Capital, Actual
Banking Regulation, Tier 1 Leverage Capital Ratio, Actual
Banking Regulation, Tier 1 Leverage Capital, Well Capitalized, Minimum
Banking Regulation, Tier 1 Leverage Capital Ratio, Well Capitalized, Minimum
Common Equity Tier Required to be Categorized Adequately Capitalized Amount
Common Equity Tier Required to be Categorized Adequately Capitalized Ratio as percent
Common Equity Tier Actual Amount
Common Equity Tier 1 Actual Ratio as percent
Common Equity Tier Required to be Categorized Well Capitalized Amount
Common Equity Tier Required to be Categorized Well Capitalized Ratio as percent
Condensed Financial Statements [Table]
Condensed Financial Statements, Captions [Line Items]
Assets:
Cash on deposit
Investment in bank subsidiary
Other
Total assets
Liabilities:
Junior subordinated debentures
Other
Total liabilities
Shareholders’ equity
Total liabilities and shareholders’ equity
Income:
Interest and dividend income
Equity in undistributed earnings of subsidiary
Dividend income from bank subsidiary
Total income
Expenses:
Interest expense
Total expense
Income before taxes
Income tax benefit
Adjustments to reconcile net income to net cash provided by operating activities
Equity in undistributed earnings of subsidiary
Other-net
Net cash provided by operating activities
Purchase of investments at cost
Net cash used in investing activities
Dividends paid: common stock
Net cash used in financing activities
Increase (decrease) in cash and cash equivalents
Cash and cash equivalents at beginning of year
Cash and cash equivalents at end of year
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Table]
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Line Items]
Assets under Management, Carrying Amount
Hedged Asset, Fair Value Hedge, Portfolio Layer Method, Hedged Layer, Fair Value, Cumulative Increase (Decrease)
Derivative Instruments, Gain (Loss) [Table]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, Notional Amount
Derivative Asset
Derivative Liability
Interest Income, Interest-Earning Asset
Schedule of Segment Reporting Information, by Segment [Table]
Segment Reporting Information [Line Items]
Dividend and Interest Income
Net interest income
Noninterest income
Salary and benefits
Other non-interest expense
Total noninterest expense
Net income before taxes
Income tax expense (benefit)
Assets
Business Combination [Table]
Business Combination [Line Items]
Business Combination, Date of Acquisition Agreement
Business Combination, Name of Acquiree
Business Combination, Effective Date of Acquisition
Nonvested Restricted Stock [Member]
Commercial And Retail Banking [Member]
Investment Advisory And Non Deposit [Member]
Small Business Administration pools [Member]
Corporate and other securities [Member]
Other Real Estate Owned [Member]
Appraisal Value Comparison Sales Other Estimates Valuation Technique [Member]
Financing Receivable, Excluding Accrued Interest, Before Allowance For Credit Loss, Writeoff
Total Available for sale securities and Loans held for Sale.
Concentration Risk Number of Loans
Deposits [Default Label]
Interest Income (Expense), after Provision for Loan Loss
Other Noninterest Expense
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Net of Tax
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Investment Transferred from Available-for-Sale to Equity Method, after Tax
Comprehensive Income (Loss), Net of Tax, Attributable to Parent
Shares, Issued
Shares Issued, Value, Share-Based Payment Arrangement, Forfeited
Shares Issued, Shares, Share-Based Payment Arrangement, Forfeited
Dividends, Common Stock
Stock Issued During Period, Shares, Dividend Reinvestment Plan
Payment for Origination and Purchase, Loan, Held-for-Sale
Proceeds from Sale and Collection, Loan, Held-for-Sale
Debt Securities, Available-for-Sale, Unrealized Loss
Increase (Decrease) in Equity Securities, FV-NI
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion
Increase (Decrease) in Other Operating Assets
Payments to Acquire Debt Securities, Available-for-Sale
Increase (Decrease) in Other Loans
Payments to Acquire Property, Plant, and Equipment
Payments for (Proceeds from) Productive Assets
Payments of FHLBank Borrowings, Financing Activities
Payments of Ordinary Dividends, Common Stock
Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Period Increase (Decrease), Excluding Exchange Rate Effect, Including Discontinued Operation
Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Continuing Operation
Income Tax, Policy [Policy Text Block]
Schedule of Related Party Transactions [Table Text Block]
Fair Value Measurements, Nonrecurring [Table Text Block]
ScheduleOfFairValueOfStockAwardsGrantedTableTextBlock
Advertising Expense [Default Label]
Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax
Debt Securities, Held-to-Maturity, Accumulated Unrecognized Loss
Debt Securities, Held-to-Maturity, Maturity, Allocated and Single Maturity Date, Fair Value
Financing Receivable, Allowance for Credit Loss, Writeoff
Loans and Leases Receivable, Related Parties
Derivative Instruments and Hedges, Liabilities
Investments, Fair Value Disclosure
Assets, Fair Value Disclosure
Depreciation [Default Label]
Finite-Lived Intangible Assets, Accumulated Amortization
Other Real Estate
Other Real Estate, Disposals
Time Deposit Maturities, Year One
Time Deposit Maturities, Year Two
Lessee, Operating Lease, Liability, to be Paid, Year One
Lessee, Operating Lease, Liability, to be Paid, Year Two
Lessee, Operating Lease, Liability, to be Paid, Year Three
Lessee, Operating Lease, Liability, to be Paid, Year Four
Lessee, Operating Lease, Liability, to be Paid
Lessee, Operating Lease, Liability, Undiscounted Excess Amount
Current Federal, State and Local, Tax Expense (Benefit)
Deferred Federal Income Tax Expense (Benefit)
Deferred State and Local Income Tax Expense (Benefit)
Deferred Federal, State and Local, Tax Expense (Benefit)
Effective Income Tax Rate Reconciliation, Tax Exempt Income, Amount
Effective Income Tax Rate Reconciliation, Other Adjustments, Amount
DeferredTaxAsstesOtherRealEstateOwned
Deferred Tax Assets, Other
Deferred Tax Assets, Gross
Deferred Tax Assets, Valuation Allowance
Deferred Tax Assets, Net of Valuation Allowance
Deferred Tax Liabilities, Gross
Deferred Tax Assets, Net
Other Income
Other Expenses
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount
Time-based restricted stock units - officer Stock Awards Granted
Time-based restricted stock units Officer Fair Value of Stock Awards Granted
Performance-based restricted stock units – officer Fair Value of Stock Awards Granted
Restricted stock – Officer Fair Value of Stock Awards Granted
RestrictedStockDirectorFairValueOfStockAwardsGranted
Performance-based restricted stock units – officer Compensation expense related to stock awards
Restricted stock – officer Compensation expense related to stock awards
Restricted stock – Director Compensation expense related to stock awards
Employee Stock Ownership Plan (ESOP), Shares in ESOP
Time based Restricted Stock Units Officer Stock Award Granted
Performance-based restricted stock units – officer Stock Award Granted
Restricted stock – officer Stock Award Granted
Restricted stock – Director Stock Award Granted
Weighted Average Number of Shares Outstanding, Basic
Other Assets
Cash and Cash Equivalent