v3.26.1
Business Segments - Segment Reporting (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Business Segments        
Interest income $ 40,351 $ 37,407 $ 79,497 $ 73,395
Interest expense 11,261 10,899 22,698 21,877
Net interest income before allocation 29,090 26,508 56,799 51,518
Net interest income 29,090 26,508 56,799 51,518
Gains on sales of loans 2,436 2,458 4,981 4,305
Other noninterest income 9,340 7,390 15,345 13,116
Net revenue 40,866 36,356 77,125 68,939
Provision for credit losses 2,650 2,100 6,250 5,100
Salaries and employee benefits 16,501 14,846 30,858 28,329
Occupancy expense 2,402 2,099 4,617 4,292
Data processing 3,403 2,989 6,578 5,855
Professional fees 943 1,001 1,860 1,922
Insurance expense 440 416 870 907
Marketing and advertising expenses 639 549 1,186 1,078
Loan processing and collection expenses 918 745 1,791 1,428
Provision for indemnifications (25) (35) (60) (60)
Other segment items 2,126 2,020 3,962 3,938
Total noninterest expense 27,347 24,630 51,662 47,689
Income before income taxes 10,869 9,626 19,213 16,150
Income tax expense (benefit) 2,243 1,859 3,793 2,988
Net income 8,626 7,767 15,420 13,162
Capital expenditures 2,408 566 2,730 833
Depreciation and amortization 950 996 1,890 1,984
Operating segments | Community Banking        
Business Segments        
Interest income 27,215 24,378 53,387 47,762
Interest expense 10,151 10,143 20,486 20,524
Net interest income before allocation 17,064 14,235 32,901 27,238
Net interest allocation 5,934 6,110 11,718 11,864
Net interest income 22,998 20,345 44,619 39,102
Other noninterest income 5,578 4,378 10,074 8,608
Net revenue 28,576 24,723 54,693 47,710
Provision for credit losses 150 (300) 450 (200)
Salaries and employee benefits 10,485 9,421 20,602 18,700
Occupancy expense 2,012 1,669 3,866 3,499
Data processing 2,610 2,300 5,083 4,642
Professional fees 665 680 1,305 1,404
Insurance expense 391 345 771 761
Marketing and advertising expenses 491 415 911 799
Loan processing and collection expenses 75 26 114 68
Other segment items 1,457 1,419 2,614 2,634
Total noninterest expense 18,186 16,275 35,266 32,507
Income before income taxes 10,240 8,748 18,977 15,403
Income tax expense (benefit) 2,067 1,632 3,694 2,842
Net income 8,173 7,116 15,283 12,561
Capital expenditures 2,311 482 2,631 718
Depreciation and amortization $ 835 $ 878 $ 1,666 $ 1,753
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. 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 $ 818 $ 732 $ 1,358 $ 1,071
Net interest income before allocation 818 732 1,358 1,071
Net interest allocation (416) (374) (648) (446)
Net interest income 402 358 710 625
Gains on sales of loans 2,655 2,573 5,384 4,558
Other noninterest income 2,007 1,700 3,712 2,836
Net revenue 5,064 4,631 9,806 8,019
Salaries and employee benefits 2,105 1,971 4,367 3,763
Occupancy expense 231 290 446 503
Data processing 434 358 806 584
Professional fees 50 67 78 93
Insurance expense 17 37 36 67
Marketing and advertising expenses 140 125 252 265
Loan processing and collection expenses 499 327 859 557
Provision for indemnifications (25) (35) (60) (60)
Other segment items 196 181 385 358
Total noninterest expense 3,647 3,321 7,169 6,130
Income before income taxes 1,417 1,310 2,637 1,889
Income tax expense (benefit) 357 325 667 473
Net income 1,060 985 1,970 1,416
Capital expenditures 85 84 87 115
Depreciation and amortization $ 40 $ 39 $ 70 $ 72
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. 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 $ 12,086 $ 12,144 $ 24,304 $ 24,267
Net interest income before allocation 12,086 12,144 24,304 24,267
Net interest allocation (5,518) (5,736) (11,070) (11,418)
Net interest income 6,568 6,408 13,234 12,849
Other noninterest income 149 149 303 326
Net revenue 6,717 6,557 13,537 13,175
Provision for credit losses 2,500 2,400 5,800 5,300
Salaries and employee benefits 2,014 2,018 4,046 3,995
Occupancy expense 159 140 305 290
Data processing 349 321 670 611
Professional fees 157 135 351 226
Insurance expense 32 34 63 79
Marketing and advertising expenses 8 9 23 14
Loan processing and collection expenses 344 392 818 803
Other segment items 410 364 825 800
Total noninterest expense 3,473 3,413 7,101 6,818
Income before income taxes 744 744 636 1,057
Income tax expense (benefit) 206 205 179 292
Net income 538 539 457 765
Capital expenditures 12   12  
Depreciation and amortization $ 75 $ 79 $ 154 $ 159
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. 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 $ 1,110 $ 756 $ 2,212 $ 1,353
Net interest income before allocation (1,110) (756) (2,212) (1,353)
Net interest income (1,110) (756) (2,212) (1,353)
Other noninterest income 1,652 1,225 1,352 1,447
Net revenue 542 469 (860) 94
Salaries and employee benefits 1,897 1,436 1,843 1,871
Data processing 10 10 19 18
Professional fees 71 119 126 199
Other segment items 82 74 175 181
Total noninterest expense 2,060 1,639 2,163 2,269
Income before income taxes (1,518) (1,170) (3,023) (2,175)
Income tax expense (benefit) (384) (302) (744) (614)
Net income (1,134) (868) (2,279) (1,561)
Eliminations        
Business Segments        
Interest income 232 153 448 295
Net interest income before allocation 232 153 448 295
Net interest income 232 153 448 295
Gains on sales of loans (219) (115) (403) (253)
Other noninterest income (46) (62) (96) (101)
Net revenue (33) (24) (51) (59)
Other segment items (19) (18) (37) (35)
Total noninterest expense (19) (18) (37) (35)
Income before income taxes (14) (6) (14) (24)
Income tax expense (benefit) (3) (1) (3) (5)
Net income $ (11) $ (5) $ (11) $ (19)