Quarterly report [Sections 13 or 15(d)]

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

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CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($)
$ in Thousands
Mar. 31, 2026
Dec. 31, 2025
ASSETS    
Cash and Due From Banks $ 64,214 $ 62,189
Federal Funds Sold and Interest Bearing Deposits 424,756 467,782
Total Cash and Cash Equivalents 488,970 529,971
Investment Securities, Available for Sale, at fair value (amortized cost of $816,203 and $656,546) 800,550 643,922
Investment Securities, Held to Maturity (fair value of $343,591 and $369,320) 353,296 377,446
Equity Securities 2,083 2,069
Total Investment Securities 1,155,929 1,023,437
Loans Held For Sale, at fair value 25,088 21,695
Loans Held for Investment 2,518,404 2,546,118
Allowance for Credit Losses (30,999) (31,001)
Loans Held for Investment, Net 2,487,405 2,515,117
Premises and Equipment, Net 77,670 79,457
Goodwill 89,095 89,095
Other Real Estate Owned 1,822 1,936
Other Assets 127,755 125,057
Total Assets 4,453,734 4,385,765
Deposits:    
Noninterest Bearing Deposits 1,299,933 1,251,886
Interest Bearing Deposits 2,451,684 2,410,426
Total Deposits 3,751,617 3,662,312
Short-Term Borrowings 33,276 50,092
Subordinated Notes Payable 33,303 42,582
Other Long-Term Borrowings 680 680
Other Liabilities 74,946 77,248
Total Liabilities 3,893,822 3,832,914
SHAREOWNERS' EQUITY    
Preferred Stock, $0.01 par value; 3,000,000 shares authorized; no shares issued and outstanding
Common Stock, $0.01 par value; 90,000,000 shares authorized; 17,097,636 and 17,084,386 shares issued and outstanding at March 31, 2026 and December 31, 2025, respectively 171 171
Additional Paid-In Capital 39,854 41,650
Retained Earnings 519,632 508,443
Accumulated Other Comprehensive Income (Loss), net of tax 255 2,587
Total Shareowners' Equity 559,912 552,851
Total Liabilities and Shareowners' Equity $ 4,453,734 $ 4,385,765