Quarterly report [Sections 13 or 15(d)]

CONSOLIDATED STATEMENTS OF INCOME

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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
INTEREST INCOME    
Loans, including Fees $ 38,254 $ 40,478
Investment Securities:    
Taxable Securities 9,042 5,802
Tax Exempt Securities 13 6
Federal Funds Sold and Interest Bearing Deposits 3,711 3,496
Total Interest Income 51,020 49,782
INTEREST EXPENSE    
Deposits 7,395 7,383
Short-Term Borrowings 400 281
Subordinated Notes Payable 398 560
Other Long-Term Borrowings 10 11
Total Interest Expense 8,203 8,235
NET INTEREST INCOME 42,817 41,547
Provision for Credit Losses 712 768
Net Interest Income After Provision for Credit Losses 42,105 40,779
NONINTEREST INCOME    
Other 2,402 1,749
Total Noninterest Income 19,933 19,907
NONINTEREST EXPENSE    
Compensation 25,703 26,248
Occupancy, Net 7,083 6,793
Other 8,587 5,660
Total Noninterest Expense 41,373 38,701
INCOME BEFORE INCOME TAXES 20,665 21,985
Income Tax Expense 4,848 5,127
NET INCOME $ 15,817 $ 16,858
BASIC NET INCOME PER SHARE (in dollars per shares) $ 0.92 $ 0.99
DILUTED NET INCOME PER SHARE (in dollars per shares) $ 0.92 $ 0.99
Average Basic Shares Outstanding 17,129 17,027
Average Diluted Shares Outstanding 17,146 17,044
Deposit fees [Member]    
NONINTEREST INCOME    
Noninterest income $ 5,598 $ 5,061
Bank card fees [Member]    
NONINTEREST INCOME    
Noninterest income 3,630 3,514
Wealth Management fees [Member]    
NONINTEREST INCOME    
Noninterest income 4,051 5,763
Mortgage Banking Revenues [Member]    
NONINTEREST INCOME    
Noninterest income $ 4,252 $ 3,820