| Schedule of Segment Information |
Information reported internally for performance assessment by the CODM follows, including reconciliation to the financial statements.
| | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended June 30, | | Six Months Ended June 30, | | 2026 | | 2025 | | 2026 | | 2025 | | INTEREST AND DIVIDEND INCOME: | | | | | | | | | Loans including fees | | | | | | | | | Interest and fees on loans | $ | 102,336 | | | $ | 75,408 | | | $ | 203,663 | | | $ | 147,787 | | | Investment securities | 13,320 | | | 10,363 | | | 24,031 | | | 20,363 | | | Total interest and dividend income | 115,656 | | | 85,771 | | | 227,694 | | | 168,150 | | | Interest Expense: | | | | | | | | | Deposits | 36,454 | | | 32,276 | | | 72,421 | | | 64,910 | | | Borrowed funds and finance lease liabilities | 2,858 | | | 1,298 | | | 5,606 | | | 2,612 | | | Total interest expense | 39,312 | | | 33,574 | | | 78,027 | | | 67,522 | | | NET INTEREST INCOME | 76,344 | | | 52,197 | | | 149,667 | | | 100,628 | | | PROVISION FOR CREDIT LOSS EXPENSE | 1,777 | | | 4,338 | | | 2,775 | | | 5,894 | | | NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSS EXPENSE | 74,567 | | | 47,859 | | | 146,892 | | | 94,734 | | | NON-INTEREST INCOME: | | | | | | | | | Service charges on deposit accounts | 2,010 | | | 1,656 | | | 4,044 | | | 3,370 | | | Other service charges and fees | 417 | | | 427 | | | 839 | | | 937 | | | Wealth and asset management fees | 2,728 | | | 2,109 | | | 5,085 | | | 3,905 | | | Net realized and unrealized gains on securities | 707 | | | 567 | | | 949 | | | 318 | | | Mortgage banking | 269 | | | 172 | | | 610 | | | 268 | | | Bank owned life insurance | 1,167 | | | 976 | | | 2,153 | | | 1,736 | | | Card processing and interchange income | 2,804 | | | 2,278 | | | 5,390 | | | 4,385 | | | Other non-interest income | 1,200 | | | 823 | | | 2,230 | | | 2,596 | | | Total non-interest income | 11,302 | | | 9,008 | | | 21,300 | | | 17,515 | | | NON-INTEREST EXPENSES: | | | | | | | | | Salaries | 16,675 | | | 12,933 | | | 33,619 | | | 26,659 | | | Incentive | (153) | | | 1,527 | | | 1,736 | | | 3,295 | | | Benefits | 6,190 | | | 4,888 | | | 12,340 | | | 9,958 | | | Net occupancy expense | 5,085 | | | 4,032 | | | 10,534 | | | 8,070 | | | Amortization of core deposit intangible | 1,016 | | | 16 | | | 2,021 | | | 33 | | | Technology expense | 7,205 | | | 5,462 | | | 14,386 | | | 10,840 | | | State and local taxes | 2,046 | | | 1,301 | | | 2,867 | | | 2,593 | | | Legal, professional and examination fees | 1,718 | | | 997 | | | 2,490 | | | 1,846 | | | Advertising | 728 | | | 556 | | | 1,516 | | | 1,070 | | | FDIC insurance | 1,021 | | | 937 | | | 1,828 | | | 1,922 | | | Card processing and interchange expenses | 1,470 | | | 1,253 | | | 2,977 | | | 2,413 | | | Merger and integration costs | — | | | 357 | | | — | | | 1,886 | | | Other non-interest expenses | 7,707 | | | 5,358 | | | 13,581 | | | 10,070 | | | Total non-interest expenses | 50,708 | | | 39,617 | | | 99,895 | | | 80,655 | | | INCOME BEFORE INCOME TAXES | 35,161 | | | 17,250 | | | 68,297 | | | 31,594 | | | INCOME TAX EXPENSE | 6,857 | | | 3,294 | | | 12,957 | | | 6,157 | | | SEGMENT NET INCOME | $ | 28,304 | | | $ | 13,956 | | | $ | 55,340 | | | $ | 25,437 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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