v3.26.1
Business Segments - Segment Reporting (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Business Segments    
Interest income $ 39,146 $ 35,988
Interest expense 11,437 10,978
Net interest income before allocation 27,709 25,010
Net interest income 27,709 25,010
Gains on sales of loans 2,545 1,847
Other noninterest income 6,005 5,726
Net revenue 36,259 32,583
Provision for credit losses 3,600 3,000
Salaries and employee benefits 14,357 13,483
Occupancy expense 2,215 2,193
Data processing 3,175 2,866
Professional fees 917 921
Insurance expense 430 491
Marketing and advertising expenses 547 529
Loan processing and collection expenses 873 683
Provision for indemnifications (35) (25)
Other segment items 1,836 1,918
Total noninterest expense 24,315 23,059
Income before income taxes 8,344 6,524
Income tax expense (benefit) 1,550 1,129
Net income 6,794 5,395
Capital expenditures 322 267
Depreciation and amortization 940 988
Operating segments | Community Banking    
Business Segments    
Interest income 26,172 23,384
Interest expense 10,335 10,381
Net interest income before allocation 15,837 13,003
Net interest allocation 5,784 5,754
Net interest income 21,621 18,757
Other noninterest income 4,496 4,230
Net revenue 26,117 22,987
Provision for credit losses 300 100
Salaries and employee benefits 10,117 9,279
Occupancy expense 1,854 1,830
Data processing 2,473 2,342
Professional fees 640 724
Insurance expense 380 416
Marketing and advertising expenses 420 384
Loan processing and collection expenses 39 42
Other segment items 1,157 1,215
Total noninterest expense 17,080 16,232
Income before income taxes 8,737 6,655
Income tax expense (benefit) 1,627 1,210
Net income 7,110 5,445
Capital expenditures 320 236
Depreciation and amortization $ 831 $ 875
Other segment items for reportable segments Community banking – licenses and other taxes expense, travel and education expense, telecommunications expense, other real estate owned losses and expense, net periodic pension cost, office supplies, and certain overhead expenses. Community banking – licenses and other taxes expense, travel and education expense, telecommunications expense, other real estate owned losses and expense, net periodic pension cost, office supplies, and certain overhead expenses.
Operating segments | Mortgage Banking    
Business Segments    
Interest income $ 540 $ 339
Net interest income before allocation 540 339
Net interest allocation (232) (72)
Net interest income 308 267
Gains on sales of loans 2,729 1,985
Other noninterest income 1,705 1,136
Net revenue 4,742 3,388
Salaries and employee benefits 2,262 1,792
Occupancy expense 215 213
Data processing 372 226
Professional fees 28 26
Insurance expense 19 30
Marketing and advertising expenses 112 140
Loan processing and collection expenses 360 230
Provision for indemnifications (35) (25)
Other segment items 189 177
Total noninterest expense 3,522 2,809
Income before income taxes 1,220 579
Income tax expense (benefit) 310 148
Net income 910 431
Capital expenditures 2 31
Depreciation and amortization $ 30 $ 33
Other segment items for reportable segments Mortgage banking – licenses and other taxes expense, travel and education expense, telecommunications expense, office supplies, and certain overhead expenses. Mortgage banking – licenses and other taxes expense, travel and education expense, telecommunications expense, office supplies, and certain overhead expenses.
Operating segments | Consumer Finance    
Business Segments    
Interest income $ 12,218 $ 12,123
Net interest income before allocation 12,218 12,123
Net interest allocation (5,552) (5,682)
Net interest income 6,666 6,441
Other noninterest income 154 177
Net revenue 6,820 6,618
Provision for credit losses 3,300 2,900
Salaries and employee benefits 2,032 1,977
Occupancy expense 146 150
Data processing 321 290
Professional fees 194 91
Insurance expense 31 45
Marketing and advertising expenses 15 5
Loan processing and collection expenses 474 411
Other segment items 415 436
Total noninterest expense 3,628 3,405
Income before income taxes (108) 313
Income tax expense (benefit) (27) 87
Net income (81) 226
Depreciation and amortization $ 79 $ 80
Other segment items for reportable segments Consumer finance – licenses and other taxes expense, travel and education expense, telecommunications expense, payment processing expense, office supplies, and certain overhead expenses. Consumer finance – licenses and other taxes expense, travel and education expense, telecommunications expense, payment processing expense, office supplies, and certain overhead expenses.
Operating segments | Other segments    
Business Segments    
Interest expense $ 1,102 $ 597
Net interest income before allocation (1,102) (597)
Net interest income (1,102) (597)
Other noninterest income (300) 222
Net revenue (1,402) (375)
Salaries and employee benefits (54) 435
Data processing 9 8
Professional fees 55 80
Other segment items 93 107
Total noninterest expense 103 630
Income before income taxes (1,505) (1,005)
Income tax expense (benefit) (360) (312)
Net income (1,145) (693)
Eliminations    
Business Segments    
Interest income 216 142
Net interest income before allocation 216 142
Net interest income 216 142
Gains on sales of loans (184) (138)
Other noninterest income (50) (39)
Net revenue (18) (35)
Other segment items (18) (17)
Total noninterest expense $ (18) (17)
Income before income taxes   (18)
Income tax expense (benefit)   (4)
Net income   $ (14)