| Schedule of financial results by operating segment |
| | | | | | | | | Three Months Ended June 30, | | | 2026 | | 2025 | | | | (In Thousands) | Interest income | | $ | 72,461 | | $ | 80,975 | Interest expense | | | 22,968 | | | 30,012 | Net interest income | | | 49,493 | | | 50,963 | | | | | | | | Credit loss income (expense) | | | 8 | | | (110) | Net interest income after credit loss expense | | | 49,485 | | | 51,073 | | | | | | | | Non-interest Income | | | | | | | Commissions | | | 641 | | | 411 | Overdraft and insufficient funds fees | | | 1,248 | | | 1,266 | Point-of-sale and ATM fee income and service charges | | | 3,392 | | | 3,444 | Net gain on loan sales | | | 795 | | | 893 | Late charges and fees on loans | | | 305 | | | 340 | Fees from debit card contracts | | | 345 | | | 368 | Other income | | | 649 | | | 1,490 | | | | 7,375 | | | 8,212 | | | | | | | | Non-interest Expense | | | | | | | Salaries and incentives | | | 16,765 | | | 16,275 | Employee benefits | | | 3,926 | | | 3,730 | Net occupancy expense | | | 4,710 | | | 3,003 | Technology, furniture and equipment expense | | | 5,973 | | | 5,432 | Postage | | | 889 | | | 825 | Insurance | | | 1,099 | | | 1,095 | Advertising | | | 836 | | | 705 | Office supplies and printing | | | 197 | | | 238 | Telephone | | | 705 | | | 705 | Legal, audit and other professional fees | | | 967 | | | 929 | Expense (income) on other real estate and repossessions | | | (85) | | | (168) | Intangible asset amortization | | | 108 | | | 108 | Travel meals and entertainment | | | 719 | | | 711 | Other operating expenses | | | 1,413 | | | 1,417 | | | | 38,222 | | | 35,005 | | | | | | | | Income Before Income Taxes | | | 18,638 | | | 24,280 | Provision for Income Taxes | | | 2,843 | | | 4,494 | Net Income | | $ | 15,795 | | $ | 19,786 |
| | | | | | | | | Six Months Ended June 30, | | | 2026 | | 2025 | | | | (In Thousands) | Interest income | | $ | 143,626 | | $ | 161,218 | Interest expense | | | 45,805 | | | 60,921 | Net interest income | | | 97,821 | | | 100,297 | | | | | | | | Credit loss expense | | | (923) | | | (458) | Net interest income after credit loss expense | | | 98,744 | | | 100,755 | | | | | | | | Non-interest Income | | | | | | | Commissions | | | 1,256 | | | 673 | Overdraft and insufficient funds fees | | | 2,479 | | | 2,481 | Point-of-sale and ATM fee income and service charges | | | 6,493 | | | 6,678 | Net gain on loan sales | | | 1,514 | | | 1,494 | Late charges and fees on loans | | | 441 | | | 583 | Fees from debit card contracts | | | 754 | | | 868 | Other income | | | 1,467 | | | 2,025 | | | | 14,404 | | | 14,802 | | | | | | | | Non-interest Expense | | | | | | | Salaries and incentives | | | 32,855 | | | 32,478 | Employee benefits | | | 7,907 | | | 7,656 | Net occupancy expense | | | 7,885 | | | 6,382 | Technology, furniture and equipment expense | | | 11,662 | | | 10,586 | Postage | | | 1,814 | | | 1,756 | Insurance | | | 2,171 | | | 2,260 | Advertising | | | 1,208 | | | 995 | Office supplies and printing | | | 419 | | | 504 | Telephone | | | 1,390 | | | 1,411 | Legal, audit and other professional fees | | | 1,657 | | | 1,967 | Expense (income) on other real estate and repossessions | | | (31) | | | (238) | Intangible asset amortization | | | 216 | | | 216 | Travel meals and entertainment | | | 984 | | | 950 | Other operating expenses | | | 2,877 | | | 2,904 | | | | 73,014 | | | 69,827 | | | | | | | | Income Before Income Taxes | | | 40,134 | | | 45,730 | Provision for Income Taxes | | | 6,863 | | | 8,784 | Net Income | | $ | 33,271 | | $ | 36,946 |
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