v3.26.1
OPERATING SEGMENTS - Financial Results (Details)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2026
USD ($)
Jun. 30, 2025
USD ($)
Jun. 30, 2026
USD ($)
segment
Jun. 30, 2025
USD ($)
OPERATING SEGMENTS        
Number of reportable segments | segment     1  
Number of operating segments | segment     1  
Total Interest Income $ 72,461 $ 80,975 $ 143,626 $ 161,218
Interest expense 22,968 30,012 45,805 60,921
NET INTEREST INCOME 49,493 50,963 97,821 100,297
Net interest income after credit loss expense 49,485 51,073 98,744 100,755
Non-interest Income        
Commissions 641 411 1,256 673
Overdraft and insufficient funds fees 1,248 1,266 2,479 2,481
Point-Of-Sale and ATM fee income and service charges 3,392 3,444 6,493 6,678
Net gains on loan sales 795 893 1,514 1,494
Late charges and fees on loans 305 340 441 583
Other income 989 1,886 2,218 2,945
TOTAL NON-INTEREST INCOME 7,375 8,212 14,404 14,802
Non-interest Expense        
Net occupancy expense 10,683 8,435 19,547 16,968
Postage 889 825 1,814 1,756
Advertising 836 705 1,208 995
Office supplies and printing 197 238 419 504
Telephone 705 705 1,390 1,411
Legal, audit and other professional fees 967 929 1,657 1,967
Expense (income) on other real estate and repossessions, net (85) (168) (31) (238)
Intangible asset amortization 108 108 216 216
Other operating expenses 2,132 2,128 3,861 3,854
TOTAL NON-INTEREST EXPENSE 38,222 35,005 73,014 69,827
INCOME BEFORE INCOME TAXES 18,638 24,280 40,134 45,730
PROVISION FOR INCOME TAXES 2,843 4,494 6,863 8,784
NET INCOME 15,795 19,786 33,271 36,946
Banking segment        
OPERATING SEGMENTS        
Total Interest Income 72,461 80,975 143,626 161,218
Interest expense 22,968 30,012 45,805 60,921
NET INTEREST INCOME 49,493 50,963 97,821 100,297
Credit loss income (expense) 8 (110) (923) (458)
Net interest income after credit loss expense 49,485 51,073 98,744 100,755
Non-interest Income        
Commissions 641 411 1,256 673
Overdraft and insufficient funds fees 1,248 1,266 2,479 2,481
Point-Of-Sale and ATM fee income and service charges 3,392 3,444 6,493 6,678
Net gains on loan sales 795 893 1,514 1,494
Late charges and fees on loans 305 340 441 583
Fees from debit card contracts 345 368 754 868
Other income 649 1,490 1,467 2,025
TOTAL NON-INTEREST INCOME 7,375 8,212 14,404 14,802
Non-interest Expense        
Salaries and incentives 16,765 16,275 32,855 32,478
Employee benefits 3,926 3,730 7,907 7,656
Net occupancy expense 4,710 3,003 7,885 6,382
Technology, furniture and equipment expense 5,973 5,432 11,662 10,586
Postage 889 825 1,814 1,756
Insurance 1,099 1,095 2,171 2,260
Advertising 836 705 1,208 995
Office supplies and printing 197 238 419 504
Telephone 705 705 1,390 1,411
Legal, audit and other professional fees 967 929 1,657 1,967
Expense (income) on other real estate and repossessions, net (85) (168) (31) (238)
Intangible asset amortization 108 108 216 216
Travel meals and entertainment 719 711 984 950
Other operating expenses 1,413 1,417 2,877 2,904
TOTAL NON-INTEREST EXPENSE 38,222 35,005 73,014 69,827
INCOME BEFORE INCOME TAXES 18,638 24,280 40,134 45,730
PROVISION FOR INCOME TAXES 2,843 4,494 6,863 8,784
NET INCOME $ 15,795 $ 19,786 $ 33,271 $ 36,946