v3.26.1
CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Interest income:    
Loans held for investment $ 34,298 $ 26,810
Securities, includes restricted stock 3,178 3,042
Interest earning cash and other 1,557 1,661
Total interest income 39,033 31,513
Interest expense:    
Savings, NOW and money market deposits 4,957 3,784
Time deposits 67 119
Borrowings 5 1
Total interest expense 5,029 3,904
Net interest income 34,004 27,609
Provision for credit losses 2,700 1,500
Net interest income after provision for credit losses 31,304 26,109
Noninterest income:    
Payment processing fees 5,143 4,912
Administrative service income 1,137 880
Customer related fees, service charges and other 175 359
Total noninterest income 6,455 6,151
Noninterest expense:    
Employee compensation and benefits 12,221 10,065
Occupancy and equipment 1,256 1,132
Professional and consulting services 973 1,264
FDIC and regulatory assessments 303 270
Advertising and marketing 998 851
Travel and business relations 306 306
Data processing 2,369 1,920
Merger expenses 1,272  
Other operating expenses 959 940
Total noninterest expense 20,657 16,748
Net income before income taxes 17,102 15,512
Income tax expense 4,891 4,105
Net income $ 12,211 $ 11,407
Earnings per share    
Basic $ 1.48 $ 1.43
Diluted $ 1.4 $ 1.33