0001466026-26-000049 | 10-Q | XBRL Viewer | Midland States Bancorp INC

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LOANS - Modified Financing Receivable (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Summary of loans
Balance	$ 10,506	$ 1,440
Total Class of Financing Receivable (%)	0.24%	0.03%
Term Extension
Summary of loans
Balance	$ 10,506	$ 1,134
Interest Rate Reduction
Summary of loans
Balance		306
Commercial Loan Portfolio
Summary of loans
Balance	$ 10,469	$ 1,279
Total Class of Financing Receivable (%)	0.27%	0.03%
Commercial Loan Portfolio \| Term Extension
Summary of loans
Balance	$ 10,469	$ 973
Commercial Loan Portfolio \| Interest Rate Reduction
Summary of loans
Balance		306
Commercial Loan Portfolio \| Commercial
Summary of loans
Balance	$ 1,369	$ 973
Total Class of Financing Receivable (%)	0.12%	0.09%
Commercial Loan Portfolio \| Commercial \| Term Extension
Summary of loans
Balance	$ 1,369	$ 973
Commercial Loan Portfolio \| Commercial \| Interest Rate Reduction
Summary of loans
Balance		0
Commercial Loan Portfolio \| Commercial other
Summary of loans
Balance	$ 0	$ 306
Total Class of Financing Receivable (%)	0.00%	0.26%
Commercial Loan Portfolio \| Commercial other \| Term Extension
Summary of loans
Balance	$ 0	$ 0
Commercial Loan Portfolio \| Commercial other \| Interest Rate Reduction
Summary of loans
Balance		306
Commercial Loan Portfolio \| Farmland
Summary of loans
Balance	$ 100	$ 0
Total Class of Financing Receivable (%)	0.15%	0.00%
Commercial Loan Portfolio \| Farmland \| Term Extension
Summary of loans
Balance	$ 100	$ 0
Commercial Loan Portfolio \| Farmland \| Interest Rate Reduction
Summary of loans
Balance		0
Commercial Loan Portfolio \| Construction and land development
Summary of loans
Balance	$ 9,000	$ 0
Total Class of Financing Receivable (%)	3.26%	0.00%
Commercial Loan Portfolio \| Construction and land development \| Term Extension
Summary of loans
Balance	$ 9,000	$ 0
Commercial Loan Portfolio \| Construction and land development \| Interest Rate Reduction
Summary of loans
Balance		0
Residential loans held for sale \| Residential first lien
Summary of loans
Balance	$ 37	$ 150
Total Class of Financing Receivable (%)	0.01%	0.05%
Residential loans held for sale \| Residential first lien \| Term Extension
Summary of loans
Balance	$ 37	$ 150
Residential loans held for sale \| Residential first lien \| Interest Rate Reduction
Summary of loans
Balance		0
Residential loans held for sale \| Other residential
Summary of loans
Balance	$ 0	$ 11
Total Class of Financing Receivable (%)	0.00%	0.02%
Residential loans held for sale \| Other residential \| Term Extension
Summary of loans
Balance	$ 0	$ 11
Residential loans held for sale \| Other residential \| Interest Rate Reduction
Summary of loans
Balance		$ 0

INVESTMENT SECURITIES - Narrative (Details)	Mar. 31, 2026 security
Investments, Debt and Equity Securities [Abstract]
Number of securities in unrealized loss position (in security)	295
Aggregate depreciation percentage	7.37%

GOODWILL	3 Months Ended
GOODWILL	Mar. 31, 2026
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL	GOODWILL The carrying amount of goodwill at March 31, 2026 and December 31, 2025 was $7.9 million. For the three months ended March 31, 2026, there were no changes in the carrying amount of goodwill. Additionally, the Company did not identify any events or changes in circumstances during the quarter that would indicate that it is more likely than not that the fair value of any reporting unit was less than its carrying amount. Accordingly, no interim goodwill impairment test was considered required or performed. In the first quarter of 2025, we determined that a triggering event had occurred at the Company's Banking reporting unit as a result of deteriorated credit quality coupled with trends in the Company's stock price. The Company performed a quantitative impairment test on its Banking reporting unit as of March 31, 2025, and engaged a third-party service provider to assist with the determination of the fair value. The resulting calculation indicated that the carrying amount exceeded the fair value of the Company's Banking reporting unit. As a result of the assessment, the Company recognized a $154.0 million goodwill impairment charge in the first quarter of 2025.

SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended
SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Segment Reporting [Abstract]
Number Of Reportable Segments, Disclosed By Definition, Flag	true
Segment Reporting Information [Line Items]
Interest income	$ 86,022	$ 99,355
Interest expense	28,605	41,065
Net interest income	57,417	58,290
Provision for credit losses	5,003	10,850
Wealth management revenue	8,248	7,350
Other noninterest income	13,874	10,413
Total noninterest income	22,122	17,763
Salaries and employee benefits	26,157	26,416
Depreciation expense	1,217	1,238
Amortization of intangible assets	717	911
Other noninterest expense	22,333	174,440
Total noninterest expense	50,424	203,005
Income (loss) before income taxes	24,112	(137,802)
Income tax expense (benefit)	5,649	3,172
Net income (loss)	18,463	(140,974)
Total assets	6,547,963	7,284,804	$ 6,513,420
Banking
Segment Reporting Information [Line Items]
Interest income	86,022	99,355
Interest expense	27,238	38,730
Net interest income	58,784	60,625
Provision for credit losses	5,003	10,850
Wealth management revenue	0	0
Other noninterest income	15,006	11,350
Total noninterest income	15,006	11,350
Salaries and employee benefits	21,763	22,914
Depreciation expense	1,206	1,228
Amortization of intangible assets	471	644
Other noninterest expense	21,018	173,513
Total noninterest expense	44,458	198,299
Income (loss) before income taxes	24,329	(137,174)
Income tax expense (benefit)	5,305	3,107
Net income (loss)	19,024	(140,281)
Total assets	6,561,452	7,290,894
Wealth Management
Segment Reporting Information [Line Items]
Interest income	0	0
Interest expense	20	17
Net interest income	(20)	(17)
Provision for credit losses	0	0
Wealth management revenue	8,248	7,350
Other noninterest income	0	0
Total noninterest income	8,248	7,350
Salaries and employee benefits	4,394	3,502
Depreciation expense	11	10
Amortization of intangible assets	246	267
Other noninterest expense	1,815	1,716
Total noninterest expense	6,466	5,495
Income (loss) before income taxes	1,762	1,838
Income tax expense (benefit)	759	760
Net income (loss)	1,003	1,078
Total assets	37,760	33,541
Corporate
Segment Reporting Information [Line Items]
Interest income	0	0
Interest expense	1,347	2,318
Net interest income	(1,347)	(2,318)
Provision for credit losses	0	0
Wealth management revenue	0	0
Other noninterest income	(1,132)	(937)
Total noninterest income	(1,132)	(937)
Salaries and employee benefits	0	0
Depreciation expense	0	0
Amortization of intangible assets	0	0
Other noninterest expense	(500)	(789)
Total noninterest expense	(500)	(789)
Income (loss) before income taxes	(1,979)	(2,466)
Income tax expense (benefit)	(415)	(695)
Net income (loss)	(1,564)	(1,771)
Total assets	$ (51,249)	$ (39,631)

EARNINGS PER COMMON SHARE

3 Months Ended

Mar. 31, 2026

Earnings Per Share [Abstract]

EARNINGS PER COMMON SHARE

Earnings per common share is calculated utilizing the two-class method. Basic earnings per common share is calculated by dividing the sum of distributed earnings to common shareholders and undistributed earnings allocated to common shareholders by the weighted average number of common shares outstanding. Diluted earnings per common share is calculated by dividing the sum of distributed earnings to common shareholders and undistributed earnings allocated to common shareholders by the weighted average number of shares adjusted for the dilutive effect of common stock awards. Presented below are the calculations for basic and diluted earnings per common share for the three months ended March 31, 2026 and 2025:


	Three Months Ended March 31,
(dollars in thousands, except per share data)	2026		2025
Net income (loss)	$	18,463	$	(140,974)
Preferred dividends declared	(2,228)		(2,228)

Net income (loss) available to common shareholders	16,235		(143,202)
Common shareholder dividends	(6,717)		(6,666)
Unvested restricted stock award dividends	(172)		(116)
Undistributed earnings to unvested restricted stock awards	(228)		—
Undistributed earnings (loss) to common shareholders	$	9,118	$	(149,984)
Basic
Distributed earnings to common shareholders	$	6,717	$	6,666
Undistributed earnings (loss) to common shareholders	9,118		(149,984)
Total common shareholders earnings (loss), basic	$	15,835	$	(143,318)
Diluted
Distributed earnings to common shareholders	$	6,717	$	6,666
Undistributed earnings (loss) to common shareholders	9,118		(149,984)
Total common shareholders earnings (loss)	15,835		(143,318)
Add back:
Undistributed earnings reallocated from unvested restricted stock awards	—		—
Total common shareholders earnings (loss), diluted	$	15,835	$	(143,318)
Weighted average common shares outstanding, basic	21,301,246		21,795,570
Dilutive effect of options	—		—
Weighted average common shares outstanding, diluted	21,301,246		21,795,570
Basic earnings (loss) per common share	$	0.74	$	(6.58)
Diluted earnings (loss) per common share	0.74		(6.58)

Antidilutive stock options (1)	151,315		253,061

(1)The diluted earnings per common share computation excludes antidilutive stock options because the exercise prices of these stock options exceeded the average market prices of the Company's common shares for those respective periods.

LOANS - Schedule of Performance of Modified Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Risk category
Balance	$ 43,179	$ 34,760
30-59 days past due
Risk category
Balance	390	0
60-89 days past due
Risk category
Balance	0	5
Past due 90 days or more
Risk category
Balance	0	2
Total past due
Risk category
Balance	390	7
Current
Risk category
Balance	42,789	34,753
Commercial Loan Portfolio
Risk category
Balance	43,101	34,566
Commercial Loan Portfolio \| 30-59 days past due
Risk category
Balance	390	0
Commercial Loan Portfolio \| 60-89 days past due
Risk category
Balance	0	0
Commercial Loan Portfolio \| Past due 90 days or more
Risk category
Balance	0	0
Commercial Loan Portfolio \| Total past due
Risk category
Balance	390	0
Commercial Loan Portfolio \| Current
Risk category
Balance	42,711	34,566
Commercial Loan Portfolio \| Commercial
Risk category
Balance	12,158	12,033
Commercial Loan Portfolio \| Commercial \| 30-59 days past due
Risk category
Balance	0	0
Commercial Loan Portfolio \| Commercial \| 60-89 days past due
Risk category
Balance	0	0
Commercial Loan Portfolio \| Commercial \| Past due 90 days or more
Risk category
Balance	0	0
Commercial Loan Portfolio \| Commercial \| Total past due
Risk category
Balance	0	0
Commercial Loan Portfolio \| Commercial \| Current
Risk category
Balance	12,158	12,033
Commercial Loan Portfolio \| Commercial other
Risk category
Balance	169	552
Commercial Loan Portfolio \| Commercial other \| 30-59 days past due
Risk category
Balance	169	0
Commercial Loan Portfolio \| Commercial other \| 60-89 days past due
Risk category
Balance	0	0
Commercial Loan Portfolio \| Commercial other \| Past due 90 days or more
Risk category
Balance	0	0
Commercial Loan Portfolio \| Commercial other \| Total past due
Risk category
Balance	169	0
Commercial Loan Portfolio \| Commercial other \| Current
Risk category
Balance	0	552
Commercial Loan Portfolio \| Commercial real estate non-owner occupied
Risk category
Balance	19,864	20,013
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| 30-59 days past due
Risk category
Balance	0	0
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| 60-89 days past due
Risk category
Balance	0	0
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Past due 90 days or more
Risk category
Balance	0	0
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Total past due
Risk category
Balance	0	0
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Current
Risk category
Balance	19,864	20,013
Commercial Loan Portfolio \| Farmland
Risk category
Balance	321	380
Commercial Loan Portfolio \| Farmland \| 30-59 days past due
Risk category
Balance	221	0
Commercial Loan Portfolio \| Farmland \| 60-89 days past due
Risk category
Balance	0	0
Commercial Loan Portfolio \| Farmland \| Past due 90 days or more
Risk category
Balance	0	0
Commercial Loan Portfolio \| Farmland \| Total past due
Risk category
Balance	221	0
Commercial Loan Portfolio \| Farmland \| Current
Risk category
Balance	100	380
Commercial Loan Portfolio \| Construction and land development
Risk category
Balance	10,589	1,588
Commercial Loan Portfolio \| Construction and land development \| 30-59 days past due
Risk category
Balance	0	0
Commercial Loan Portfolio \| Construction and land development \| 60-89 days past due
Risk category
Balance	0	0
Commercial Loan Portfolio \| Construction and land development \| Past due 90 days or more
Risk category
Balance	0	0
Commercial Loan Portfolio \| Construction and land development \| Total past due
Risk category
Balance	0	0
Commercial Loan Portfolio \| Construction and land development \| Current
Risk category
Balance	10,589	1,588
Residential loans held for sale \| Residential first lien
Risk category
Balance	78	185
Residential loans held for sale \| Residential first lien \| 30-59 days past due
Risk category
Balance	0	0
Residential loans held for sale \| Residential first lien \| 60-89 days past due
Risk category
Balance	0	5
Residential loans held for sale \| Residential first lien \| Past due 90 days or more
Risk category
Balance	0	2
Residential loans held for sale \| Residential first lien \| Total past due
Risk category
Balance	0	7
Residential loans held for sale \| Residential first lien \| Current
Risk category
Balance	78	178
Residential loans held for sale \| Other residential
Risk category
Balance	0	9
Residential loans held for sale \| Other residential \| 30-59 days past due
Risk category
Balance	0	0
Residential loans held for sale \| Other residential \| 60-89 days past due
Risk category
Balance	0	0
Residential loans held for sale \| Other residential \| Past due 90 days or more
Risk category
Balance	0	0
Residential loans held for sale \| Other residential \| Total past due
Risk category
Balance	0	0
Residential loans held for sale \| Other residential \| Current
Risk category
Balance	$ 0	$ 9

DERIVATIVE INSTRUMENTS - Schedule of Derivative Instruments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (loss) recognized in income on derivative	$ 505	$ 864
Gain (loss) reclassified from AOCI into income	39	(837)
Interest Rate Contract \| Interest income on loans
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (loss) recognized in income on derivative	(50)	1,117
Gain (loss) reclassified from AOCI into income	109	(1,005)
Interest Rate Contract \| Interest income on investment securities
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (loss) recognized in income on derivative	(95)	446
Gain (loss) reclassified from AOCI into income	54	28
Interest Rate Contract \| Interest expense
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (loss) recognized in income on derivative	650	(699)
Gain (loss) reclassified from AOCI into income	30	140
Interest Rate Contract \| Noninterest expense
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (loss) recognized in income on derivative	0	0
Gain (loss) reclassified from AOCI into income	$ (154)	$ 0

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References + Details

PREMISES, EQUIPMENT AND LEASES (Tables)

3 Months Ended

Mar. 31, 2026

Property, Plant and Equipment [Abstract]

Summary of Premises and Equipment

A summary of premises, equipment and leases at March 31, 2026 and December 31, 2025 is as follows:


	March 31,		December 31,
(dollars in thousands)	2026		2025
Land	$	15,856	$	15,856
Buildings and improvements	86,866		86,429
Furniture and equipment	38,444		38,303
Lease right-of-use assets	7,757		8,117
Total	148,923		148,705
Accumulated depreciation	(64,754)		(63,571)
Premises and equipment, net	$	84,169	$	85,134

Summary of Information Related to Operating Leases

Information related to operating leases for the three months ended March 31, 2026 and 2025 was as follows:


	Three Months Ended March 31,
(dollars in thousands)		2026			2025
Operating lease cost		$	481		$	498
Operating cash flows from leases		503			518
Right-of-use assets obtained in exchange for lease obligations		36			837

Weighted average remaining lease term		5.9 years			6.7 years
Weighted average discount rate		3.72		%	3.72		%

Summary of Projected Minimum Rental Payments

The projected minimum rental payments under the terms of the leases as of March 31, 2026 were as follows:


(dollars in thousands)	Amount
Year ending December 31:
2026 remaining	$	1,363
2027	1,908
2028	1,855
2029	1,655
2030	1,073
Thereafter	2,190
Total future minimum lease payments	10,044
Less imputed interest	(1,061)
Total operating lease liabilities	$	8,983

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	Mar. 31, 2026
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation	Basis of Presentation The accompanying unaudited condensed consolidated financial statements of the Company have been prepared in accordance with GAAP and guidance provided by the SEC for interim financial information. Accordingly, the condensed financial statements do not include all of the information and footnotes required by GAAP for completed financial statements. The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. Actual results may differ from these estimates. The consolidated financial statements of the Company should be read in conjunction with the consolidated financial statements and related notes contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, filed with the SEC on March 2, 2026. Certain reclassifications of 2025 amounts have been made to conform to the 2026 presentation. All significant transactions and accounts between subsidiaries have been eliminated. Assets held for customers in a fiduciary or agency capacity are not assets of the Company and, accordingly, other than trust cash on deposit with the Bank, are not included in the accompanying unaudited balance sheets. Management has evaluated subsequent events for potential recognition or disclosure. Operating results for the three months ended March 31, 2026 are not necessarily indicative of the results that may be expected for the year ending December 31, 2026 or any other period.
Accounting Guidance Not Yet Adopted	Accounting Guidance Not Yet Adopted FASB ASU No. 2024-03, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses - In November 2024, the FASB issued ASU 2024-03 in order to improve the disclosures about a public business entity's expenses and address requests from investors for more detailed information about the types of expenses in commonly presented expense captions. The amendments in ASU 2024-03 require disclosure, in the notes to the financial statements, of specified information about certain costs and expenses in interim and year-end reporting periods. The amendments in this ASU apply to all public business entities and are effective for annual reporting periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. Early adoption is permitted. The amendments are to be applied either (1) prospectively to financial statements issued for reporting periods after the effective date or (2) retrospectively to any or all prior periods presented in the financial statements. The Company will update the related disclosures upon adoption. FASB ASU No. 2025-06, Intangibles - Goodwill and Other--Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software - In September 2025, the FASB issued ASU 2025-06, changing the criteria for capitalizing software costs to the following: (1) a commitment has been made to fund the software project, and (2) it is probable the project will be completed and used to perform its intended function. Under this update, software development stages are no longer a consideration in the determination of which costs are capitalized. The amendments in this update may be adopted on a prospective, modified transition, or retrospective basis, and will be effective for the Company for annual and interim reporting periods beginning January 1, 2028. Early adoption is permitted. The Company is currently evaluating the effect this ASU may have on its financial position and results of operations.

INVESTMENT SECURITIES

3 Months Ended

Mar. 31, 2026

Investments, Debt and Equity Securities [Abstract]

INVESTMENT SECURITIES

Investment Securities Available for Sale

Investment securities available for sale at March 31, 2026 and December 31, 2025 were as follows:


	March 31, 2026
(dollars in thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Fair value
Investment securities available for sale

U.S. government sponsored entities and U.S. agency securities	$	25,381	$	18	$	(180)	$	25,219
Mortgage-backed securities - agency (1)	1,337,062		2,964		(87,975)		1,252,051
Mortgage-backed securities - non-agency	84,099		1,364		(2,461)		83,002
Asset-backed student loans	20,484		9		(119)		20,374
State and municipal securities	75,981		259		(4,586)		71,654
Collateralized loan obligations	84,865		—		(288)		84,577
Corporate securities	57,546		69		(1,937)		55,678
Total available for sale securities	$	1,685,418	$	4,683	$	(97,546)	$	1,592,555

(1)The amount of fair value hedging adjustment included in the amortized cost amount of the hedged investment securities available-for-sale as of March 31, 2026 was $(0.9) million. See Note 6 - Derivative Instruments for additional information regarding these derivative financial instruments.


	December 31, 2025
(dollars in thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Fair value
Investment securities available for sale

U.S. government sponsored entities and U.S. agency securities	$	20,744	$	7	$	(928)	$	19,823
Mortgage-backed securities - agency (1)	1,265,954		3,272		(75,476)		1,193,750
Mortgage-backed securities - non-agency	97,921		1,499		(2,331)		97,089
Asset-backed student loans	34,262		39		(86)		34,215
State and municipal securities	77,054		388		(3,984)		73,458
Collateralized loan obligations	46,800		54		—		46,854
Corporate securities	60,075		69		(2,332)		57,812
Total available for sale securities	$	1,602,810	$	5,328	$	(85,137)	$	1,523,001

(1)The amount of fair value hedging adjustment included in the amortized cost amount of the hedged investment securities available-for-sale as of December 31, 2025 was $(2.3) million. See Note 6 - Derivative Instruments for additional information regarding these derivative financial instruments.

Excluding securities issued or backed by U.S. government or its sponsored entities and agencies, there were no investments in securities from one issuer that exceeded 10% of shareholders' equity as of March 31, 2026 and December 31, 2025.

The table below shows the amortized cost and fair value of the investment securities portfolio by contractual maturity for all securities other than mortgage-backed securities, as of March 31, 2026. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately.


(dollars in thousands)	Amortized cost		Fair value
Investment securities available for sale
Within one year	$	3,738	$	3,779
After one year through five years	35,575		34,270
After five years through ten years	105,681		101,333
After ten years	119,263		118,120
Mortgage-backed securities	1,421,161		1,335,053
Total available for sale securities	$	1,685,418	$	1,592,555

Proceeds and gross realized gains and losses on sales of investment securities available for sale for the three months ended March 31, 2026 are summarized as follows:


	Three Months Ended March 31,
(dollars in thousands)	2026
Investment securities available for sale
Proceeds from sales	$	98,599
Gross realized gains on sales	248
Gross realized losses on sales	(1,979)

There were no gross realized gains or losses on sales of investment securities available for sale for the three months ended March 31, 2025.

Unrealized losses and fair values for investment securities available for sale as of March 31, 2026 and December 31, 2025, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are summarized as follows:


	March 31, 2026
	Less than 12 Months				12 Months or more				Total
(dollars in thousands)	Fair value		Unrealized loss		Fair value		Unrealized loss		Fair value		Unrealized loss
Investment securities available for sale

U.S. government sponsored entities and U.S. agency securities	$	19,406	$	180	$	—	$	—	$	19,406	$	180
Mortgage-backed securities - agency	479,269		8,766		485,672		79,209		964,941		87,975
Mortgage-backed securities - non-agency	21,370		54		16,120		2,407		37,490		2,461
Asset-backed student loans	3,691		11		14,104		108		17,795		119
State and municipal securities	11,524		83		43,461		4,503		54,985		4,586
Collateralized loan obligations	43,577		288		—		—		43,577		288
Corporate securities	3,999		1		43,610		1,936		47,609		1,937
Total available for sale securities	$	582,836	$	9,383	$	602,967	$	88,163	$	1,185,803	$	97,546


	December 31, 2025
	Less than 12 Months				12 Months or more				Total
(dollars in thousands)	Fair value		Unrealized loss		Fair value		Unrealized loss		Fair value		Unrealized loss
Investment securities available for sale

U.S. government sponsored entities and U.S. agency securities	$	9,668	$	5	$	9,077	$	923	$	18,745	$	928
Mortgage-backed securities - agency	201,422		1,191		524,471		74,285		725,893		75,476
Mortgage-backed securities - non-agency	42		—		22,386		2,331		22,428		2,331
Asset-backed student loans	5,166		13		14,378		73		19,544		86
State and municipal securities	3,826		12		46,204		3,972		50,030		3,984
Collateralized loan obligations	—		—		—		—		—		—
Corporate securities	2,502		1		47,241		2,331		49,743		2,332
Total available for sale securities	$	222,626	$	1,222	$	663,757	$	83,915	$	886,383	$	85,137

At March 31, 2026, 295 investment securities available for sale had unrealized losses with aggregate depreciation of 7.37% from their amortized cost basis. For all of the above investment securities, the unrealized losses were generally due to changes in interest rates and other market conditions that do not represent credit-related impairments. The Company expects the fair value to recover as the securities approach their respective maturity dates and principal is paid back in full. The Company does not intend to sell and it is not more likely than not that the Company will be required to sell the securities prior to their anticipated recovery of their amortized cost.

SHORT-TERM BORROWINGS

3 Months Ended

Mar. 31, 2026

Debt Disclosure [Abstract]

SHORT-TERM BORROWINGS

The following table summarizes our short-term borrowings as of March 31, 2026 and December 31, 2025:



(dollars in thousands)	March 31, 2026		December 31, 2025
Securities sold under repurchase agreements	$	8,425	$	10,181
AFX borrowings	145,000		50,000
Total short-term borrowings	$	153,425	$	60,181

Securities sold under agreements to repurchase, which are classified as secured borrowings, generally mature within one to four days from the transaction date. Securities sold under agreements to repurchase are reflected at the amount of cash

received in connection with the transaction, which represents the amount of the Bank’s obligation. The Bank may be required to provide additional collateral based on the fair value of the underlying securities. The weighted-average interest rate on securities sold under agreements to repurchase was 0.25% and 0.26% at March 31, 2026 and December 31, 2025, respectively. Investment securities with a carrying amount of $10.1 million and $12.2 million at March 31, 2026 and December 31, 2025, respectively, were pledged for securities sold under agreements to repurchase.

The Bank also utilizes unsecured short-term borrowings, including transactions executed through the AFX, to manage liquidity needs. AFX borrowings are generally overnight in nature and are priced at market rates, typically based on AMERIBOR, which ranged from 3.68% to 3.695% at March 31, 2026 and 3.695% to 3.74% at December 31, 2025.

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Mar. 31, 2026
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

LOANS - Narrative (Details)	3 Months Ended
LOANS - Narrative (Details)	Mar. 31, 2026 region
Receivables [Abstract]
Number of main regions	4

SEGMENT INFORMATION

3 Months Ended

Mar. 31, 2026

Segment Reporting [Abstract]

SEGMENT INFORMATION

The Company's reportable segments are determined by the Chief Executive Officer, who is the designated chief operating decision maker, based upon information provided about the Company's products and services offered, primarily distinguished between Banking, Wealth Management and Corporate. They are also distinguished by the level of information provided to the chief operating decision maker, who uses such information to review performance of various components of the business, which are then aggregated if operating performance, products and services, and customers are similar. The chief operating decision maker analyzes the financial performance of the Company's segments, allocates resources and assesses compensation of certain employees by evaluating revenue streams, significant expenses and budget to actual results. The performance of the Banking segment is assessed by monitoring the margin between interest income and interest expense related to loans, investments, deposits and other borrowings. Pre-tax profit and loss is used to assess the performance of the Wealth Management segment. Interest expense, provisions for credit losses and payroll provide the significant expenses in the Banking segment, while payroll provides the significant expenses in the Wealth Management segment.

The Banking segment provides a wide range of financial products and services to consumers and businesses, including commercial, commercial real estate, mortgage and other consumer loan products; mortgage loan sales and servicing; letters of credit; various types of deposit products, including checking, savings and time deposit accounts; merchant services; and corporate treasury management services.

The Wealth Management segment consists of trust and fiduciary services, brokerage and retirement planning services.

The Corporate segment includes the holding company financing and investment activities, administrative expenses, as well as the elimination of intercompany transactions.

Reported segments and the financial information of the reported segments are not necessarily comparable with similar information reported by other financial institutions. Additionally, because of the interrelationships of the various segments, the information presented is not indicative of how the segments would perform if they operated as independent entities. Changes in management structure or allocation methodologies and procedures may result in future changes to previously reported segment financial data. The accounting policies of the segments are substantially the same as those described in the “Summary of Significant Accounting Policies” in Note 1 of the Company’s 2025 Annual Report on Form 10-K.

Transactions between segments consist primarily of borrowed funds and servicing fees. Noninterest income and expense directly attributable to a segment are assigned to it with various shared service costs such as human resources, accounting, finance, risk management and information technology expense assigned to the Banking segment.

Selected business segment financial information for the three months ended March 31, 2026 and 2025 were as follows:


(dollars in thousands)	Banking		Wealth Management		Corporate		Total
Three Months Ended March 31, 2026
Interest income	$	86,022	$	—	$	—	$	86,022
Interest expense	27,238		20		1,347		28,605
Net interest income (expense)	58,784		(20)		(1,347)		57,417
Provision for credit losses	5,003		—		—		5,003
Wealth management revenue	—		8,248		—		8,248
Other noninterest income	15,006		—		(1,132)		13,874
Total noninterest income	15,006		8,248		(1,132)		22,122
Salaries and employee benefits	21,763		4,394		—		26,157
Depreciation expense	1,206		11		—		1,217
Amortization of intangible assets	471		246		—		717
Other noninterest expense	21,018		1,815		(500)		22,333
Total noninterest expense	44,458		6,466		(500)		50,424
Income (loss) before income taxes	24,329		1,762		(1,979)		24,112
Income tax expense (benefit)	5,305		759		(415)		5,649
Net income (loss)	$	19,024	$	1,003	$	(1,564)	$	18,463
Total assets	$	6,561,452	$	37,760	$	(51,249)	$	6,547,963





















(dollars in thousands)	Banking		Wealth Management		Corporate		Total
Three Months Ended March 31, 2025
Interest income	$	99,355	$	—	$	—	$	99,355
Interest expense	38,730		17		2,318		41,065
Net interest income (expense)	60,625		(17)		(2,318)		58,290
Provision for credit losses	10,850		—		—		10,850
Wealth management revenue	—		7,350		—		7,350
Other noninterest income	11,350		—		(937)		10,413
Total noninterest income	11,350		7,350		(937)		17,763
Salaries and employee benefits	22,914		3,502		—		26,416
Depreciation expense	1,228		10		—		1,238
Amortization of intangible assets	644		267		—		911
Other noninterest expense	173,513		1,716		(789)		174,440
Total noninterest expense	198,299		5,495		(789)		203,005
Income (loss) before income taxes	(137,174)		1,838		(2,466)		(137,802)
Income tax expense (benefit)	3,107		760		(695)		3,172
Net income (loss)	$	(140,281)	$	1,078	$	(1,771)	$	(140,974)
Total assets	$	7,290,894	$	33,541	$	(39,631)	$	7,284,804

(1) Other noninterest expense for Banking includes occupancy and equipment, data processing, FDIC insurance, professional services, marketing, communications, loan expense and other miscellaneous expenses. Other noninterest expense for Wealth Management includes occupancy and equipment, data processing, professional services, marketing, communications and other miscellaneous expenses. Other noninterest expense for Corporate includes data processing, professional services, marketing and other miscellaneous expenses.

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

+ References

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+ Details

LOANS - Impaired Loans with Interest Recognized (Details) - USD ($)	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Interest income :
Interest income recognized on nonaccrual loans	$ 0	$ 0

FAIR VALUE OF FINANCIAL INSTRUMENTS - Quantitative Information (Details) - Non recurring $ in Thousands	Mar. 31, 2026 USD ($)	Dec. 31, 2025 USD ($)
Commercial
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	$ 7,209	$ 8,136
Commercial real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	35,687	40,324
Residential real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	821	592
Level 3 \| Commercial
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	7,209	8,136
Level 3 \| Commercial real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	35,687	40,324
Level 3 \| Residential real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	821	592
Level 3 \| Fair value of collateral \| Commercial
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	7,209	8,136
Level 3 \| Fair value of collateral \| Commercial real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	35,687	40,324
Level 3 \| Fair value of collateral \| Residential real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	821	592
Level 3 \| Fair value of collateral \| Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	$ 514	$ 606
Level 3 \| Fair value of collateral \| Fair value of collateral \| Minimum \| Commercial
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	0.0000	0.0000
Level 3 \| Fair value of collateral \| Fair value of collateral \| Minimum \| Commercial real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	0.0000	0.0000
Level 3 \| Fair value of collateral \| Fair value of collateral \| Minimum \| Residential real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	0.0000	0.0000
Level 3 \| Fair value of collateral \| Fair value of collateral \| Minimum \| Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	0.0754	0.5410
Level 3 \| Fair value of collateral \| Fair value of collateral \| Maximum \| Commercial
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	1.0000	0.0000
Level 3 \| Fair value of collateral \| Fair value of collateral \| Maximum \| Commercial real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	1.0000	1.0000
Level 3 \| Fair value of collateral \| Fair value of collateral \| Maximum \| Residential real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	0.0000	0.0000
Level 3 \| Fair value of collateral \| Fair value of collateral \| Maximum \| Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	0.7067	0.7067
Level 3 \| Fair value of collateral \| Fair value of collateral \| Weighted Average \| Commercial
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	0.0755	0.0000
Level 3 \| Fair value of collateral \| Fair value of collateral \| Weighted Average \| Commercial real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	0.0348	0.0479
Level 3 \| Fair value of collateral \| Fair value of collateral \| Weighted Average \| Residential real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	0.0000	0.0000
Level 3 \| Fair value of collateral \| Fair value of collateral \| Weighted Average \| Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	0.4563	0.5817
Level 3 \| Market approach \| Consumer loans held for sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	$ 1,870

SHORT-TERM BORROWINGS (Tables)

3 Months Ended

Mar. 31, 2026

Debt Disclosure [Abstract]

Schedule of Short Term Borrowings

The following table summarizes our short-term borrowings as of March 31, 2026 and December 31, 2025:



(dollars in thousands)	March 31, 2026		December 31, 2025
Securities sold under repurchase agreements	$	8,425	$	10,181
AFX borrowings	145,000		50,000
Total short-term borrowings	$	153,425	$	60,181

DERIVATIVE INSTRUMENTS - Narrative (Details) $ in Millions	3 Months Ended
DERIVATIVE INSTRUMENTS - Narrative (Details) $ in Millions	Mar. 31, 2026 USD ($)
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Loss on cash flow hedges to be recognized within twelve months	$ 1.7

SHORT-TERM BORROWINGS - Schedule of Short Term Borrowings (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2026	Dec. 31, 2025
Short-term Debt [Line Items]
Securities sold under repurchase agreements	$ 153,425	$ 60,181
Repurchase Agreement
Short-term Debt [Line Items]
Securities sold under repurchase agreements	8,425	10,181
AFX borrowings	145,000	50,000
Total short-term borrowings	$ 153,425	$ 60,181

FAIR VALUE OF FINANCIAL INSTRUMENTS - Recurring and Nonrecurring basis (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Assets
Investment securities available for sale	$ 1,592,555		$ 1,523,001
Equity securities	3,665		4,235
U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	25,219		19,823
Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	83,002		97,089
Asset-backed student loans
Assets
Investment securities available for sale	20,374		34,215
State and municipal securities
Assets
Investment securities available for sale	71,654		73,458
Collateralized loan obligations
Assets
Investment securities available for sale	84,577		46,854
Recurring
Assets
Equity securities	3,665		4,235
Residential loans held for sale	4,839		7,781
Credit enhancement asset	13,476		12,557
Derivative assets	$ 3,652		$ 3,451
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets		Other assets
Total	$ 1,618,187		$ 1,551,025
Liabilities
Derivative liabilities	3,142		4,999
Total	3,142		4,999
Recurring \| U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	25,219		19,823
Recurring \| Mortgage-backed securities - agency
Assets
Investment securities available for sale	1,252,051		1,193,750
Recurring \| Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	83,002		97,089
Recurring \| Asset-backed student loans
Assets
Investment securities available for sale	20,374		34,215
Recurring \| State and municipal securities
Assets
Investment securities available for sale	71,654		73,458
Recurring \| Collateralized loan obligations
Assets
Investment securities available for sale	84,577		46,854
Recurring \| Corporate securities
Assets
Investment securities available for sale	55,678		57,812
Recurring \| Level 1
Assets
Equity securities	3,665		4,235
Residential loans held for sale	0		0
Credit enhancement asset	0		0
Derivative assets	0		0
Total	3,665		4,235
Liabilities
Derivative liabilities	0		0
Total	0		0
Recurring \| Level 1 \| U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	0		0
Recurring \| Level 1 \| Mortgage-backed securities - agency
Assets
Investment securities available for sale	0		0
Recurring \| Level 1 \| Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	0		0
Recurring \| Level 1 \| Asset-backed student loans
Assets
Investment securities available for sale	0		0
Recurring \| Level 1 \| State and municipal securities
Assets
Investment securities available for sale	0		0
Recurring \| Level 1 \| Collateralized loan obligations
Assets
Investment securities available for sale	0		0
Recurring \| Level 1 \| Corporate securities
Assets
Investment securities available for sale	0		0
Recurring \| Level 2
Assets
Equity securities	0		0
Residential loans held for sale	4,839		7,781
Credit enhancement asset	0		0
Derivative assets	3,652		3,451
Total	1,601,046		1,534,233
Liabilities
Derivative liabilities	3,142		4,999
Total	3,142		4,999
Recurring \| Level 2 \| U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	25,219		19,823
Recurring \| Level 2 \| Mortgage-backed securities - agency
Assets
Investment securities available for sale	1,252,051		1,193,750
Recurring \| Level 2 \| Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	83,002		97,089
Recurring \| Level 2 \| Asset-backed student loans
Assets
Investment securities available for sale	20,374		34,215
Recurring \| Level 2 \| State and municipal securities
Assets
Investment securities available for sale	71,654		73,458
Recurring \| Level 2 \| Collateralized loan obligations
Assets
Investment securities available for sale	84,577		46,854
Recurring \| Level 2 \| Corporate securities
Assets
Investment securities available for sale	55,678		57,812
Recurring \| Level 3
Assets
Equity securities	0		0
Residential loans held for sale	0		0
Credit enhancement asset	13,476		12,557
Derivative assets	0		0
Total	13,476		12,557
Liabilities
Derivative liabilities	0		0
Total	0		0
Recurring \| Level 3 \| U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	0		0
Recurring \| Level 3 \| Mortgage-backed securities - agency
Assets
Investment securities available for sale	0		0
Recurring \| Level 3 \| Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	0		0
Recurring \| Level 3 \| Asset-backed student loans
Assets
Investment securities available for sale	0		0
Recurring \| Level 3 \| State and municipal securities
Assets
Investment securities available for sale	0		0
Recurring \| Level 3 \| Collateralized loan obligations
Assets
Investment securities available for sale	0		0
Recurring \| Level 3 \| Corporate securities
Assets
Investment securities available for sale	0		0
Non recurring
Assets
Residential loans held for sale	1,870
Assets measured at fair value on a non-recurring basis:
Other real estate owned	514		606
Losses recognized on assets measured on non-recurring basis
Collateral dependent loans	1,170	$ 2,012
Total losses on assets measured on a nonrecurring basis	1,170	$ 2,012
Non recurring \| Commercial
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	7,209		8,136
Non recurring \| Commercial real estate
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	35,687		40,324
Non recurring \| Residential real estate
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	821		592
Non recurring \| Level 1
Assets
Residential loans held for sale	0
Assets measured at fair value on a non-recurring basis:
Other real estate owned	0		0
Non recurring \| Level 1 \| Commercial
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	0		0
Non recurring \| Level 1 \| Commercial real estate
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	0		0
Non recurring \| Level 1 \| Residential real estate
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	0		0
Non recurring \| Level 2
Assets
Residential loans held for sale	0
Assets measured at fair value on a non-recurring basis:
Other real estate owned	0		0
Non recurring \| Level 2 \| Commercial
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	0		0
Non recurring \| Level 2 \| Commercial real estate
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	0		0
Non recurring \| Level 2 \| Residential real estate
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	0		0
Non recurring \| Level 3
Assets
Residential loans held for sale	1,870
Assets measured at fair value on a non-recurring basis:
Other real estate owned	514		606
Non recurring \| Level 3 \| Commercial
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	7,209		8,136
Non recurring \| Level 3 \| Commercial real estate
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	35,687		40,324
Non recurring \| Level 3 \| Residential real estate
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	$ 821		$ 592

DERIVATIVE INSTRUMENTS - Schedule of Derivative Instruments Not Designated as Accounting Hedge (Details) - Not Designated as Hedging Instrument - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Derivative Instruments, Gain (Loss) [Line Items]
Total gain on derivative instruments not designated as accounting hedges	$ 209	$ 70
Interest Rate Contract \| Residential mortgage banking revenue
Derivative Instruments, Gain (Loss) [Line Items]
Total gain on derivative instruments not designated as accounting hedges	$ 209	$ 70

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4C
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 182
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480401/815-10-55-182

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-Section 50
-Paragraph 4D
-Subparagraph (a)(5)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4D

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-Section 50
-Paragraph 4D
-Subparagraph (a)(4)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4D

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-Name Accounting Standards Codification
-Section 50
-Paragraph 4D
-Subparagraph (a)(3)
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-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4D

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4A

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-Section 50
-Paragraph 4D
-Subparagraph (a)(6)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4D

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4D
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4D

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4A
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4A

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-Name Accounting Standards Codification
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-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4CCC
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4CCC

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-Name Accounting Standards Codification
-Section 50
-Paragraph 4CCC
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4CCC

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-Name Accounting Standards Codification
-Section 50
-Paragraph 4CCC
-Subparagraph (a)
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Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
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Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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Reference 19: http://www.xbrl.org/2003/role/disclosureRef
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Reference 20: http://www.xbrl.org/2003/role/disclosureRef
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Reference 22: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME — (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Statement of Comprehensive Income [Abstract]
Net income (loss)	$ 18,463	$ (140,974)
Investment securities available for sale:
Unrealized (losses) gains that occurred during the period	(14,785)	11,397
Reclassification adjustment for realized net losses on sales of investment securities included in net income	1,731	0
Income tax effect	3,475	(3,043)
Change in investment securities available for sale, net of tax	(9,579)	8,354
Cash flow hedges:
Net unrealized derivative gains on cash flow hedges	505	864
Reclassification adjustment for net (gains) losses realized in net income	(39)	837
Income tax effect	(136)	(434)
Change in cash flow hedges, net of tax	330	1,267
Other comprehensive income (loss), net of tax	(9,249)	9,621
Total comprehensive income (loss)	$ 9,214	$ (131,353)

SUBORDINATED DEBT - Schedule of Company's Subordinated Debt (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Dec. 31, 2025
Subordinated Borrowing [Line Items]
Carrying amount	$ 27,024	$ 27,019
Subordinated Debt \| 5.50% Subordinated Debt
Subordinated Borrowing [Line Items]
Outstanding amount	27,250	27,250
Carrying amount	$ 27,024	$ 27,019
Current rate	5.50%	5.50%
Variable rate	4.05%

PREMISES, EQUIPMENT AND LEASES - Information Related to Operating Leases (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Property, Plant and Equipment [Abstract]
Operating lease cost	$ 481	$ 498
Operating cash flows from leases	503	518
Right-of-use assets obtained in exchange for lease obligations	$ 36	$ 837
Weighted average remaining lease term	5 years 10 months 24 days	6 years 8 months 12 days
Weighted average discount rate	3.72%	3.72%

CONSOLIDATED STATEMENTS OF INCOME — (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Interest income:
Loans, including fees: Taxable	$ 65,559	$ 77,668
Loans, including fees: Tax exempt	383	356
Loans held for sale	102	4,563
Investment securities:
Taxable	18,150	14,975
Tax exempt	436	428
Nonmarketable equity securities	583	647
Federal funds sold and cash investments	809	718
Total interest income	86,022	99,355
Interest expense:
Deposits	24,203	34,615
Short-term borrowings	231	700
Federal Home Loan Bank advances	2,670	3,163
Subordinated debt	380	1,387
Trust preferred debentures	1,121	1,200
Total interest expense	28,605	41,065
Net interest income	57,417	58,290
Provision for credit losses:
Provision for credit losses on loans	5,403	10,850
Recapture of credit losses on unfunded commitments	(400)	0
Total provision for credit losses	5,003	10,850
Net interest income after provision for credit losses	52,414	47,440
Noninterest income:
Wealth management revenue	8,248	7,350
Service charges on deposit accounts	3,355	3,305
Interchange revenue	3,528	3,151
Residential mortgage banking revenue	626	676
Income on company-owned life insurance	2,076	2,334
Loss on sales of investment securities, net	(1,731)	0
Credit enhancement income (loss)	3,360	(578)
Other income	2,660	1,525
Total noninterest income	22,122	17,763
Noninterest expense:
Salaries and employee benefits	26,157	26,416
Occupancy and equipment	4,535	4,498
Data processing	7,065	6,919
FDIC insurance	529	1,463
Professional services	2,242	2,741
Marketing	1,241	793
Communications	431	329
Loan expense	3,305	1,335
Loan servicing fees	1,116	750
Impairment on goodwill	0	153,977
Amortization of intangible assets	717	911
Other expense	3,086	2,873
Total noninterest expense	50,424	203,005
Income (loss) before income taxes	24,112	(137,802)
Income tax expense	5,649	3,172
Net income (loss)	18,463	(140,974)
Preferred dividends	2,228	2,228
Net income (loss) available to common shareholders	$ 16,235	$ (143,202)
Per common share data:
Basic earnings (loss) per common share (in dollars per share)	$ 0.74	$ (6.58)
Diluted earnings (loss) per common share (in dollars per share)	$ 0.74	$ (6.58)
Weighted average common shares outstanding (in shares)	21,301,246	21,795,570
Weighted average diluted common shares outstanding (in shares)	21,301,246	21,795,570

DERIVATIVE INSTRUMENTS - Schedule of Fair Value Hedging Instruments, Statements of Financial Performance and Financial Position, Location (Details) - Investment securities available for sale - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Carrying amount of the hedged items	$ 172,154	$ 352,968
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged items	$ (949)	$ (2,293)

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References + Details

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Tables)

3 Months Ended

Mar. 31, 2026

Commitments and Contingencies Disclosure [Abstract]

Schedule of Loan Commitments

The commitments are principally tied to variable rates. Loan commitments as of March 31, 2026 and December 31, 2025 were as follows:


(dollars in thousands)	March 31, 2026		December 31, 2025
Commitments to extend credit	$	776,964	$	821,801
Financial guarantees – standby letters of credit	32,453		30,808

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Assets
Cash and due from banks	$ 113,024	$ 127,279
Federal funds sold	634	532
Cash and cash equivalents	113,658	127,811
Investment securities available for sale, at fair value	1,592,555	1,523,001
Equity securities, at fair value	3,665	4,235
Loans	4,338,573	4,352,004
Allowance for credit losses on loans	(67,875)	(69,219)
Total loans, net	4,270,698	4,282,785
Loans held for sale	6,709	7,781
Premises and equipment, net	84,169	85,134
Other real estate owned	514	606
Nonmarketable equity securities	29,835	32,598
Accrued interest receivable	25,875	23,824
Loan servicing rights, at lower of cost or fair value	11,688	11,932
Loan servicing rights, held for sale	0	3,661
Goodwill	7,927	7,927
Other intangible assets, net	8,159	8,876
Company-owned life insurance	220,630	218,554
Credit enhancement asset	13,476	12,557
Other assets	158,405	162,138
Total assets	6,547,963	6,513,420
Deposits:
Noninterest-bearing demand deposits	1,013,808	1,040,411
Interest-bearing deposits	4,426,259	4,383,968
Total deposits	5,440,067	5,424,379
Short-term borrowings	153,425	60,181
Federal Home Loan Bank advances	238,000	293,000
Subordinated debt	27,024	27,019
Trust preferred debentures	52,035	51,857
Accrued interest payable and other liabilities	78,458	91,485
Total liabilities	5,989,009	5,947,921
Shareholders’ Equity:
Preferred stock, $2.00 par value; 4,000,000 shares authorized; 115,000 Series A shares, $1,000 per share liquidation preference, issued and outstanding at March 31, 2026 and December 31, 2025, respectively	110,548	110,548
Common stock, $0.01 par value; 40,000,000 shares authorized; 20,813,975 and 21,169,854 shares issued and outstanding at March 31, 2026 and December 31, 2025, respectively	208	212
Capital surplus	421,609	428,247
Retained earnings	96,171	86,825
Accumulated other comprehensive loss, net of tax	(69,582)	(60,333)
Total shareholders’ equity	558,954	565,499
Total liabilities and shareholders’ equity	$ 6,547,963	$ 6,513,420

EARNINGS PER COMMON SHARE (Tables)

3 Months Ended

Mar. 31, 2026

Earnings Per Share [Abstract]

Schedule of Basic and Diluted Earnings per Common Share

Presented below are the calculations for basic and diluted earnings per common share for the three months ended March 31, 2026 and 2025:


	Three Months Ended March 31,
(dollars in thousands, except per share data)	2026		2025
Net income (loss)	$	18,463	$	(140,974)
Preferred dividends declared	(2,228)		(2,228)

Net income (loss) available to common shareholders	16,235		(143,202)
Common shareholder dividends	(6,717)		(6,666)
Unvested restricted stock award dividends	(172)		(116)
Undistributed earnings to unvested restricted stock awards	(228)		—
Undistributed earnings (loss) to common shareholders	$	9,118	$	(149,984)
Basic
Distributed earnings to common shareholders	$	6,717	$	6,666
Undistributed earnings (loss) to common shareholders	9,118		(149,984)
Total common shareholders earnings (loss), basic	$	15,835	$	(143,318)
Diluted
Distributed earnings to common shareholders	$	6,717	$	6,666
Undistributed earnings (loss) to common shareholders	9,118		(149,984)
Total common shareholders earnings (loss)	15,835		(143,318)
Add back:
Undistributed earnings reallocated from unvested restricted stock awards	—		—
Total common shareholders earnings (loss), diluted	$	15,835	$	(143,318)
Weighted average common shares outstanding, basic	21,301,246		21,795,570
Dilutive effect of options	—		—
Weighted average common shares outstanding, diluted	21,301,246		21,795,570
Basic earnings (loss) per common share	$	0.74	$	(6.58)
Diluted earnings (loss) per common share	0.74		(6.58)

Antidilutive stock options (1)	151,315		253,061

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Loss Contingencies [Line Items]
Anticipated material loss	$ 0
Commitments to extend credit
Loss Contingencies [Line Items]
Loan commitments	776,964	$ 821,801
Financial guarantees – standby letters of credit
Loss Contingencies [Line Items]
Loan commitments	$ 32,453	$ 30,808

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 275
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482861/275-10-50-9

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 450
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483076/450-20-50-4

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 450
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483076/450-20-50-9

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-SubTopic 20
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-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483359/720-20-50-1

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 460
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-Name Accounting Standards Codification
-Section 55
-Paragraph 27
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482395/460-10-55-27

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 450
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-Section 50
-Paragraph 9
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483076/450-20-50-9

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 450
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-Name Accounting Standards Codification
-Section 50
-Paragraph 4
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-Publisher FASB
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 460
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482425/460-10-50-3

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 450
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483076/450-20-50-1

+ Details

INVESTMENT SECURITIES - Allowance for Credit Loss and Unrealized Losses and Fair Values (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Available For Sale Securities, Continuous Unrealized Loss Position, Fair Values
Less than 12 Months, Fair value	$ 582,836	$ 222,626
Less than 12 Months, Unrealized loss	9,383	1,222
12 Months or more, Fair value	602,967	663,757
12 Months or more, Unrealized loss	88,163	83,915
Total, Fair value	1,185,803	886,383
Total, Unrealized loss	97,546	85,137
U.S. government sponsored entities and U.S. agency securities
Available For Sale Securities, Continuous Unrealized Loss Position, Fair Values
Less than 12 Months, Fair value	19,406	9,668
Less than 12 Months, Unrealized loss	180	5
12 Months or more, Fair value	0	9,077
12 Months or more, Unrealized loss	0	923
Total, Fair value	19,406	18,745
Total, Unrealized loss	180	928
Mortgage-backed securities - agency
Available For Sale Securities, Continuous Unrealized Loss Position, Fair Values
Less than 12 Months, Fair value	479,269	201,422
Less than 12 Months, Unrealized loss	8,766	1,191
12 Months or more, Fair value	485,672	524,471
12 Months or more, Unrealized loss	79,209	74,285
Total, Fair value	964,941	725,893
Total, Unrealized loss	87,975	75,476
Mortgage-backed securities - non-agency
Available For Sale Securities, Continuous Unrealized Loss Position, Fair Values
Less than 12 Months, Fair value	21,370	42
Less than 12 Months, Unrealized loss	54	0
12 Months or more, Fair value	16,120	22,386
12 Months or more, Unrealized loss	2,407	2,331
Total, Fair value	37,490	22,428
Total, Unrealized loss	2,461	2,331
Asset-backed student loans
Available For Sale Securities, Continuous Unrealized Loss Position, Fair Values
Less than 12 Months, Fair value	3,691	5,166
Less than 12 Months, Unrealized loss	11	13
12 Months or more, Fair value	14,104	14,378
12 Months or more, Unrealized loss	108	73
Total, Fair value	17,795	19,544
Total, Unrealized loss	119	86
State and municipal securities
Available For Sale Securities, Continuous Unrealized Loss Position, Fair Values
Less than 12 Months, Fair value	11,524	3,826
Less than 12 Months, Unrealized loss	83	12
12 Months or more, Fair value	43,461	46,204
12 Months or more, Unrealized loss	4,503	3,972
Total, Fair value	54,985	50,030
Total, Unrealized loss	4,586	3,984
Collateralized loan obligations
Available For Sale Securities, Continuous Unrealized Loss Position, Fair Values
Less than 12 Months, Fair value	43,577	0
Less than 12 Months, Unrealized loss	288	0
12 Months or more, Fair value	0	0
12 Months or more, Unrealized loss	0	0
Total, Fair value	43,577	0
Total, Unrealized loss	288	0
Corporate securities
Available For Sale Securities, Continuous Unrealized Loss Position, Fair Values
Less than 12 Months, Fair value	3,999	2,502
Less than 12 Months, Unrealized loss	1	1
12 Months or more, Fair value	43,610	47,241
12 Months or more, Unrealized loss	1,936	2,331
Total, Fair value	47,609	49,743
Total, Unrealized loss	$ 1,937	$ 2,332

DERIVATIVE INSTRUMENTS - Schedule of Derivative Instruments In Fair Value Hedging Relationships on Consolidated Statements Of Income (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (loss) recognized in income on derivative	$ 505	$ 864
Interest Rate Contract \| Fair Value Hedging \| Designated as Hedging Instrument
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (loss) recognized in income on derivative	1,343	(3,486)
Gain (loss) recognized in income on related hedged items	$ (1,159)	$ 3,491

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References + Details

DEPOSITS (Tables)

3 Months Ended

Mar. 31, 2026

Deposits [Abstract]

Schedule Summarizes the Classification of Deposits

The following table summarizes the classification of deposits as of March 31, 2026 and December 31, 2025:


(dollars in thousands)	March 31, 2026		December 31, 2025
Noninterest-bearing demand	$	1,013,808	$	1,040,411
Interest-bearing:
Checking	1,886,212		1,855,215
Money market	1,295,781		1,248,942
Savings	495,899		487,742
Time	748,367		792,069
Total deposits	$	5,440,067	$	5,424,379

- Definition

Tabular disclosure of type of deposit liability.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph e
-Publisher SEC

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph d
-Publisher SEC

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph c
-Publisher SEC

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (5)
-Publisher SEC

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (4)
-Publisher SEC

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (3)
-Publisher SEC

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (2)
-Publisher SEC

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (1)
-Publisher SEC

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Publisher SEC

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (1)
-Publisher SEC

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)
-Publisher SEC

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)(i)
-Publisher SEC

Reference 13: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)(iv)
-Publisher SEC

Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)(iii)
-Publisher SEC

Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)(ii)
-Publisher SEC

+ Details

FHLB ADVANCES

3 Months Ended

Mar. 31, 2026

FHLB ADVANCES

FHLB ADVANCES

The following table summarizes our FHLB advances as of March 31, 2026 and December 31, 2025:


(dollars in thousands)	March 31, 2026		December 31, 2025


FHLB advances – fixed rate, fixed term at rates averaging 3.97% and 4.08% at March 31, 2026 and December 31, 2025 - maturing through October 2029	$	113,000	$	168,000
FHLB advances – putable fixed rate at rates averaging 3.68% and 4.00% at March 31, 2026 and December 31, 2025, respectively – maturing through July 2034 with call provisions through May 2026	125,000		125,000


Total FHLB advances	$	238,000	$	293,000

The Company’s advances from the FHLB are collateralized by a blanket collateral agreement of qualifying mortgage and home equity line of credit loans and certain commercial real estate loans totaling approximately $2.77 billion and $2.87 billion at March 31, 2026 and December 31, 2025, respectively. Based on this collateral, the Company was eligible to borrow $0.87 billion from the FHLB at March 31, 2026.

INVESTMENT SECURITIES (Tables)

3 Months Ended

Mar. 31, 2026

Investments, Debt and Equity Securities [Abstract]

Schedule of Investment Securities Classified as Available for Sale

Investment securities available for sale at March 31, 2026 and December 31, 2025 were as follows:


	March 31, 2026
(dollars in thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Fair value
Investment securities available for sale

U.S. government sponsored entities and U.S. agency securities	$	25,381	$	18	$	(180)	$	25,219
Mortgage-backed securities - agency (1)	1,337,062		2,964		(87,975)		1,252,051
Mortgage-backed securities - non-agency	84,099		1,364		(2,461)		83,002
Asset-backed student loans	20,484		9		(119)		20,374
State and municipal securities	75,981		259		(4,586)		71,654
Collateralized loan obligations	84,865		—		(288)		84,577
Corporate securities	57,546		69		(1,937)		55,678
Total available for sale securities	$	1,685,418	$	4,683	$	(97,546)	$	1,592,555


	December 31, 2025
(dollars in thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Fair value
Investment securities available for sale

U.S. government sponsored entities and U.S. agency securities	$	20,744	$	7	$	(928)	$	19,823
Mortgage-backed securities - agency (1)	1,265,954		3,272		(75,476)		1,193,750
Mortgage-backed securities - non-agency	97,921		1,499		(2,331)		97,089
Asset-backed student loans	34,262		39		(86)		34,215
State and municipal securities	77,054		388		(3,984)		73,458
Collateralized loan obligations	46,800		54		—		46,854
Corporate securities	60,075		69		(2,332)		57,812
Total available for sale securities	$	1,602,810	$	5,328	$	(85,137)	$	1,523,001

Schedule of Debt Securities, Available-for-sale


(dollars in thousands)	Amortized cost		Fair value
Investment securities available for sale
Within one year	$	3,738	$	3,779
After one year through five years	35,575		34,270
After five years through ten years	105,681		101,333
After ten years	119,263		118,120
Mortgage-backed securities	1,421,161		1,335,053
Total available for sale securities	$	1,685,418	$	1,592,555

Proceeds and gross realized gains and losses on sales of investment securities available for sale for the three months ended March 31, 2026 are summarized as follows:


	Three Months Ended March 31,
(dollars in thousands)	2026
Investment securities available for sale
Proceeds from sales	$	98,599
Gross realized gains on sales	248
Gross realized losses on sales	(1,979)

Schedule of Unrealized Losses and Fair Values for Investment Securities


	March 31, 2026
	Less than 12 Months				12 Months or more				Total
(dollars in thousands)	Fair value		Unrealized loss		Fair value		Unrealized loss		Fair value		Unrealized loss
Investment securities available for sale

U.S. government sponsored entities and U.S. agency securities	$	19,406	$	180	$	—	$	—	$	19,406	$	180
Mortgage-backed securities - agency	479,269		8,766		485,672		79,209		964,941		87,975
Mortgage-backed securities - non-agency	21,370		54		16,120		2,407		37,490		2,461
Asset-backed student loans	3,691		11		14,104		108		17,795		119
State and municipal securities	11,524		83		43,461		4,503		54,985		4,586
Collateralized loan obligations	43,577		288		—		—		43,577		288
Corporate securities	3,999		1		43,610		1,936		47,609		1,937
Total available for sale securities	$	582,836	$	9,383	$	602,967	$	88,163	$	1,185,803	$	97,546


	December 31, 2025
	Less than 12 Months				12 Months or more				Total
(dollars in thousands)	Fair value		Unrealized loss		Fair value		Unrealized loss		Fair value		Unrealized loss
Investment securities available for sale

U.S. government sponsored entities and U.S. agency securities	$	9,668	$	5	$	9,077	$	923	$	18,745	$	928
Mortgage-backed securities - agency	201,422		1,191		524,471		74,285		725,893		75,476
Mortgage-backed securities - non-agency	42		—		22,386		2,331		22,428		2,331
Asset-backed student loans	5,166		13		14,378		73		19,544		86
State and municipal securities	3,826		12		46,204		3,972		50,030		3,984
Collateralized loan obligations	—		—		—		—		—		—
Corporate securities	2,502		1		47,241		2,331		49,743		2,332
Total available for sale securities	$	222,626	$	1,222	$	663,757	$	83,915	$	886,383	$	85,137

- Definition

Tabular disclosure of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-9

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (aa)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (aaa)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

+ Details

Cover Page - shares	3 Months Ended
Cover Page - shares	Mar. 31, 2026	Apr. 20, 2026
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2026
Document Transition Report	false
Entity File Number	001-35272
Entity Registrant Name	MIDLAND STATES BANCORP, INC.
Entity Incorporation, State or Country Code	IL
Entity Tax Identification Number	37-1233196
Entity Address, Address Line One	1201 Network Centre Drive
Entity Address, City or Town	Effingham
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	62401
City Area Code	217
Local Phone Number	342-7321
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding (in shares)		20,729,799
Entity Central Index Key	0001466026
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2026
Document Fiscal Period Focus	Q1
Common stock
Document Information [Line Items]
Title of 12(b) Security	Common stock, $0.01 par value
Trading Symbol	MSBI
Security Exchange Name	NASDAQ
Depository Shares
Document Information [Line Items]
Title of 12(b) Security	Depositary Shares, each representing a 1/40th interest in a share of 7.75% fixed rate reset non-cumulative perpetual preferred stock, Series A
Trading Symbol	MSBIP
Security Exchange Name	NASDAQ

FHLB ADVANCES (Tables)

3 Months Ended

Mar. 31, 2026

FHLB ADVANCES

Schedule of Federal Home Loan Bank (FHLB) Advances

The following table summarizes our FHLB advances as of March 31, 2026 and December 31, 2025:


(dollars in thousands)	March 31, 2026		December 31, 2025


FHLB advances – fixed rate, fixed term at rates averaging 3.97% and 4.08% at March 31, 2026 and December 31, 2025 - maturing through October 2029	$	113,000	$	168,000
FHLB advances – putable fixed rate at rates averaging 3.68% and 4.00% at March 31, 2026 and December 31, 2025, respectively – maturing through July 2034 with call provisions through May 2026	125,000		125,000


Total FHLB advances	$	238,000	$	293,000

SUBORDINATED DEBT (Tables)

3 Months Ended

Mar. 31, 2026

Subordinated Borrowings [Abstract]

Schedule of Summary of Company's Subordinated Debt

The following table summarizes the Company’s subordinated debt at March 31, 2026 and December 31, 2025:

Subordinated debt

Fixed to Float

(dollars in thousands)

Issued September 2019

At March 31, 2026

Outstanding amount

27,250

Carrying amount

27,024

Current rate

5.50

At December 31, 2025

Outstanding amount

27,250

Carrying amount

27,019

Current rate

5.50

Maturity date

9/30/2034

Optional redemption date

9/30/2029

Fixed to variable conversion date

9/30/2029

Variable rate

3-month SOFR plus 4.05%

Interest payment terms

Semiannually through 9/30/2029; Quarterly for all subsequent periods

PREMISES, EQUIPMENT AND LEASES - Premises and Equipment (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Property, Plant and Equipment [Line Items]
Lease right-of-use assets	$ 7,757	$ 8,117
Total	148,923	148,705
Accumulated depreciation	(64,754)	(63,571)
Premises and equipment, net	84,169	85,134
Land
Property, Plant and Equipment [Line Items]
Premises and equipment gross	15,856	15,856
Buildings and improvements
Property, Plant and Equipment [Line Items]
Premises and equipment gross	86,866	86,429
Furniture and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment gross	$ 38,444	$ 38,303

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)

3 Months Ended

Mar. 31, 2026

Fair Value Disclosures [Abstract]

Schedule of Assets and Liabilities Measured and Recorded at Fair Value

Assets and liabilities measured and recorded at fair value, including financial assets for which the Company has elected the fair value option, on a recurring and nonrecurring basis at March 31, 2026 and December 31, 2025, are summarized below:


	March 31, 2026
(dollars in thousands)	Carrying amount		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
Assets and liabilities measured at fair value on a recurring basis:
Assets
Investment securities available for sale:

U.S. government sponsored entities and U.S. agency securities	$	25,219	$	—	$	25,219	$	—
Mortgage-backed securities - agency	1,252,051		—		1,252,051		—
Mortgage-backed securities - non-agency	83,002		—		83,002		—
Asset-backed student loans	20,374		—		20,374		—
State and municipal securities	71,654		—		71,654		—
Collateralized loan obligations	84,577		—		84,577		—
Corporate securities	55,678		—		55,678		—
Equity securities	3,665		3,665		—		—
Residential loans held for sale	4,839		—		4,839		—
Credit enhancement asset	13,476		—		—		13,476
Derivative assets	3,652		—		3,652		—

Total	$	1,618,187	$	3,665	$	1,601,046	$	13,476
Liabilities
Derivative liabilities	$	3,142	$	—	$	3,142	$	—

Total	$	3,142	$	—	$	3,142	$	—

Assets measured at fair value on a non-recurring basis:


Collateral dependent loans:
Commercial	$	7,209	$	—	$	—	$	7,209
Commercial real estate	35,687		—		—		35,687

Residential real estate	821		—		—		821

Commercial loans held for sale	1,870		—		—		1,870
Other real estate owned	514		—		—		514


	December 31, 2025
(dollars in thousands)	Carrying amount		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
Assets and liabilities measured at fair value on a recurring basis:
Assets
Investment securities available for sale:

U.S. government sponsored entities and U.S. agency securities	$	19,823	$	—	$	19,823	$	—
Mortgage-backed securities - agency	1,193,750		—		1,193,750		—
Mortgage-backed securities - non-agency	97,089		—		97,089		—
Asset-backed student loans	34,215		—		34,215		—
State and municipal securities	73,458		—		73,458		—
Collateralized loan obligations	46,854		—		46,854		—
Corporate securities	57,812		—		57,812		—
Equity securities	4,235		4,235		—		—
Residential loans held for sale	7,781		—		7,781		—
Credit enhancement asset	12,557		—		—		12,557
Derivative assets	3,451		—		3,451		—

Total	$	1,551,025	$	4,235	$	1,534,233	$	12,557
Liabilities
Derivative liabilities	$	4,999	$	—	$	4,999	$	—

Total	$	4,999	$	—	$	4,999	$	—

Assets measured at fair value on a non-recurring basis:


Collateral dependent loans:
Commercial	$	8,136	$	—	$	—	$	8,136
Commercial real estate	40,324		—		—		40,324

Residential real estate	592		—		—		592



Other real estate owned	606		—		—		606

Schedule of Losses Recognized on Assets Measured on a Non-recurring Basis

The following table presents losses recognized on assets measured at fair value on a nonrecurring basis for the three months ended March 31, 2026 and 2025:


	Three Months Ended March 31,
(dollars in thousands)	2026		2025


Collateral dependent loans	$	1,170	$	2,012


Total losses on assets measured on a nonrecurring basis	$	1,170	$	2,012

Schedule Presents Quantitative Information about Significant Unobservable Inputs used in Fair Value Measurements of Non-recurring Assets (Level 3)

The following tables present quantitative information about significant unobservable inputs used in fair value measurements of Level 3 assets measured on a nonrecurring basis at March 31, 2026 and December 31, 2025:

(dollars in thousands)

Fair value

Valuation
technique

Unobservable
input / assumptions

Discount Rate Range (weighted average) (1)

March 31, 2026

Collateral dependent loans:

Commercial

7,209

Fair value of collateral

Discount for type of property, age of appraisal, and/or current status

0.00%- 100.00% (7.55%)

Commercial real estate

35,687

Fair value of collateral

Discount for type of property, age of appraisal, and/or current status

0.00% - 100.00% (3.48%)

Residential real estate

821

Fair value of collateral

Discount for type of property, age of appraisal, and/or current status

0.00%- 0.00% (0.00%)

Other real estate owned

514

Fair value of collateral

Discount for type of property, age of appraisal, and/or current status

7.54% - 70.67% (45.63%)

Commercial loans held for sale

1,870

Market approach

None - Fair value equals contracted sales price; no significant unobservable inputs

N/A

December 31, 2025

Collateral dependent loans:

Commercial

8,136

Fair value of collateral

Discount for type of property, age of appraisal, and/or current status

0.00% - 0.00% (0.00%)

Commercial real estate

40,324

Fair value of collateral

Discount for type of property, age of appraisal, and/or current status

0.00% - 100.00% (4.79%)

Residential real estate

592

Fair value of collateral

Discount for type of property, age of appraisal, and/or current status

0.00% - 0.00% (0.00%)

Other real estate owned

606

Fair value of collateral

Discount for type of property, age of appraisal, and/or current status

54.10% - 70.67% (58.17%.)

(1)Unobservable inputs were weighted by the relative fair value of the instruments.

Schedule of the Fair Value Option for Newly Originated Residential and Commercial Loans Held for Sale

The following table presents the difference between the aggregate fair value and the aggregate remaining principal balance for loans for which the fair value option has been elected as of March 31, 2026 and December 31, 2025:


	March 31, 2026						December 31, 2025
(dollars in thousands)	Aggregate fair value		Difference		Contractual principal		Aggregate fair value		Difference		Contractual principal

Residential loans held for sale	$	4,839	$	116	$	4,723	$	7,781	$	390	$	7,391

The following table presents the amount of gains (losses) from fair value changes included in income before income taxes for financial assets carried at fair value for the three months ended March 31, 2026 and 2025:


	Three Months Ended March 31,
(dollars in thousands)	2026		2025

Residential loans held for sale	$	(238)	$	87

Schedule Presentation of Summary of the Carrying Values and Fair Value Estimates of Certain Financial Instruments

The carrying values and estimated fair value of certain financial instruments not carried at fair value at March 31, 2026 and December 31, 2025 were as follows:


	March 31, 2026
(dollars in thousands)	Carrying amount		Fair value		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
Assets
Cash and due from banks	$	113,024	$	113,024	$	113,024	$	—	$	—
Federal funds sold	634		634		634		—		—

Loans, net	4,270,698		4,163,576		—		—		4,163,576
Accrued interest receivable	25,875		25,875		—		25,875		—

Liabilities
Deposits	$	5,440,067	$	5,434,700	$	—	$	5,434,700	$	—
Short-term borrowings	153,425		153,425		145,000		8,425		—
FHLB and other borrowings	238,000		238,341		—		238,341		—
Subordinated debt	27,024		22,948		—		22,948		—
Trust preferred debentures	52,035		48,478		—		48,478		—


	December 31, 2025
(dollars in thousands)	Carrying amount		Fair value		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
Assets
Cash and due from banks	$	127,279	$	127,279	$	127,279	$	—	$	—
Federal funds sold	532		532		532		—		—

Loans, net	4,282,785		4,229,483		—		—		4,229,483
Accrued interest receivable	23,824		23,824		—		23,824		—

Liabilities
Deposits	$	5,424,379	$	5,421,497	$	—	$	5,421,497	$	—
Short-term borrowings	60,181		60,181		50,000		10,181		—
FHLB and other borrowings	293,000		295,047		—		295,047		—
Subordinated debt	27,019		23,005		—		23,005		—
Trust preferred debentures	51,857		48,626		—		48,626		—

LOANS - Summary of Loans and Credit Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Summary of loans
Loans	$ 4,338,573	$ 4,352,004
Net deferred loan fees	8,400	8,200
Unearned income	3,900	4,700
Commercial Loan Portfolio
Summary of loans
Loans	3,815,178	3,807,325
Lease financing
Summary of loans
Loans	43,803	50,981
Commercial \| Commercial Loan Portfolio
Summary of loans
Loans	1,109,478	1,062,691
Commercial other \| Commercial Loan Portfolio
Summary of loans
Loans	107,033	115,830
Commercial real estate non-owner occupied \| Commercial Loan Portfolio
Summary of loans
Loans	1,419,542	1,447,894
Commercial real estate owner occupied \| Commercial Loan Portfolio
Summary of loans
Loans	461,699	444,443
Multi-family \| Commercial Loan Portfolio
Summary of loans
Loans	376,242	383,377
Farmland \| Commercial Loan Portfolio
Summary of loans
Loans	64,715	66,950
Construction and land development \| Commercial Loan Portfolio
Summary of loans
Loans	276,469	286,140
Residential first lien \| Residential loans held for sale
Summary of loans
Loans	280,205	286,178
Other residential \| Residential loans held for sale
Summary of loans
Loans	64,306	63,445
Consumer \| Consumer
Summary of loans
Loans	93,332	99,692
Consumer other \| Consumer
Summary of loans
Loans	$ 41,749	$ 44,383

FAIR VALUE OF FINANCIAL INSTRUMENTS - Fair value option and gains and losses from fair value changes (Details) - Residential loans held for sale - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Fair Value, Option, Quantitative Disclosures [Line Items]
Aggregate fair value	$ 4,839		$ 7,781
Difference	116		390
Contractual principal	4,723		$ 7,391
Gains and losses from fair value changes
Residential loans held for sale	$ (238)	$ 87

- Definition

Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(2)(i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 28
-Subparagraph (c)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-28

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-10

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

+ Details

FAIR VALUE OF FINANCIAL INSTRUMENTS

3 Months Ended

Mar. 31, 2026

Fair Value Disclosures [Abstract]

FAIR VALUE OF FINANCIAL INSTRUMENTS

Fair value is defined as the exchange price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date reflecting assumptions that a market participant would use when pricing an asset or liability. The hierarchy uses three levels of inputs to measure the fair value of assets and liabilities as follows:

•Level 1: Unadjusted quoted prices for identical assets or liabilities traded in active markets.

•Level 2: Significant other observable inputs other than Level 1, including quoted prices for similar assets and liabilities in active markets, quoted prices in less active markets, or other observable inputs that can be corroborated by observable market data.

•Level 3: Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument:

Investment securities. The fair value of investment securities available for sale are determined by quoted market prices, if available (Level 1). For investment securities available for sale where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2). For investment securities available for sale where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3). Securities classified as Level 3 are not actively traded, and as a result, fair value is determined utilizing third-party valuation services through consensus pricing. There were no transfers between Levels 1, 2 or 3 during the period presented for assets measured at fair value on a recurring basis. The fair value of equity securities is determined using quoted prices or market prices for similar securities (Level 1).

Residential loans held for sale. The fair value of residential loans held for sale is determined using quoted prices for a similar asset, adjusted for specific attributes of that loan (Level 2).

Credit enhancement asset. The fair value of the credit enhancement asset is calculated using the Income Approach Valuation Method (Level 3).

Derivative instruments. The fair value of derivative instruments are determined based on derivative valuation models using observable market data as of the measurement date (Level 2).

Collateral dependent loans. Collateral dependent loans are reviewed individually for estimated credit losses. For collateral dependent loans for which repayment is expected to be provided substantially through the operation or sale of the collateral, the Company estimates expected credit losses based on the fair value of the collateral, adjusted for estimated costs to sell when repayment is expected from sale. The fair value of collateral is generally based on independent appraisals, broker price opinions, observable market data, or other valuation techniques, as adjusted for changes in market conditions, collateral condition, liquidation costs, and other relevant factors. Measurements based on observable market information with no significant unobservable adjustments are classified as Level 2. Measurements that include significant unobservable inputs, including management adjustments to appraised values, liquidation discounts, collateral condition assumptions, guarantor support, or discounted cash flow assumptions, are classified as Level 3.

Commercial loans held for sale. The fair value of commercial loans held for sale may be based upon third party bids to purchase the specific notes, or the estimated fair value of the underlying collateral. The fair value of the collateral is based on estimated market prices from an independently prepared appraisal, which is adjusted to reflect the cost of liquidating such collateral, and various other factors such as the age of the appraisal or known changes in the market or the collateral, such valuation inputs are considered unobservable (Level 3).

Other real estate owned. OREO is initially recorded at fair value at the date of foreclosure less estimated costs of disposal, which establishes a new cost basis. After foreclosure, OREO is held for sale and is carried at the lower of cost or fair value less estimated costs of disposal. Fair value for OREO is based on an appraisal performed upon foreclosure. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between comparable sales and income data available. Property is evaluated regularly to ensure the recorded amount is supported by its fair value less estimated costs to dispose. After the initial foreclosure appraisal, fair value is generally determined by an annual appraisal unless known events warrant adjustments to the recorded value (Level 2). When adjustments are made to an appraised value to reflect various factors such as the age of the appraisal or known changes in the market or the collateral, such valuation inputs are considered unobservable (Level 3).

Appraisals for both collateral-dependent loans and OREO are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of the Company’s asset quality or collections department reviews the assumptions and approaches utilized in the appraisal.


	March 31, 2026
(dollars in thousands)	Carrying amount		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
Assets and liabilities measured at fair value on a recurring basis:
Assets
Investment securities available for sale:

U.S. government sponsored entities and U.S. agency securities	$	25,219	$	—	$	25,219	$	—
Mortgage-backed securities - agency	1,252,051		—		1,252,051		—
Mortgage-backed securities - non-agency	83,002		—		83,002		—
Asset-backed student loans	20,374		—		20,374		—
State and municipal securities	71,654		—		71,654		—
Collateralized loan obligations	84,577		—		84,577		—
Corporate securities	55,678		—		55,678		—
Equity securities	3,665		3,665		—		—
Residential loans held for sale	4,839		—		4,839		—
Credit enhancement asset	13,476		—		—		13,476
Derivative assets	3,652		—		3,652		—

Total	$	1,618,187	$	3,665	$	1,601,046	$	13,476
Liabilities
Derivative liabilities	$	3,142	$	—	$	3,142	$	—

Total	$	3,142	$	—	$	3,142	$	—

Assets measured at fair value on a non-recurring basis:


Collateral dependent loans:
Commercial	$	7,209	$	—	$	—	$	7,209
Commercial real estate	35,687		—		—		35,687

Residential real estate	821		—		—		821

Commercial loans held for sale	1,870		—		—		1,870
Other real estate owned	514		—		—		514


	December 31, 2025
(dollars in thousands)	Carrying amount		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
Assets and liabilities measured at fair value on a recurring basis:
Assets
Investment securities available for sale:

U.S. government sponsored entities and U.S. agency securities	$	19,823	$	—	$	19,823	$	—
Mortgage-backed securities - agency	1,193,750		—		1,193,750		—
Mortgage-backed securities - non-agency	97,089		—		97,089		—
Asset-backed student loans	34,215		—		34,215		—
State and municipal securities	73,458		—		73,458		—
Collateralized loan obligations	46,854		—		46,854		—
Corporate securities	57,812		—		57,812		—
Equity securities	4,235		4,235		—		—
Residential loans held for sale	7,781		—		7,781		—
Credit enhancement asset	12,557		—		—		12,557
Derivative assets	3,451		—		3,451		—

Total	$	1,551,025	$	4,235	$	1,534,233	$	12,557
Liabilities
Derivative liabilities	$	4,999	$	—	$	4,999	$	—

Total	$	4,999	$	—	$	4,999	$	—

Assets measured at fair value on a non-recurring basis:


Collateral dependent loans:
Commercial	$	8,136	$	—	$	—	$	8,136
Commercial real estate	40,324		—		—		40,324

Residential real estate	592		—		—		592



Other real estate owned	606		—		—		606

The following table presents losses recognized on assets measured at fair value on a nonrecurring basis for the three months ended March 31, 2026 and 2025:


	Three Months Ended March 31,
(dollars in thousands)	2026		2025


Collateral dependent loans	$	1,170	$	2,012


Total losses on assets measured on a nonrecurring basis	$	1,170	$	2,012

(dollars in thousands)

Fair value

Valuation
technique

Unobservable
input / assumptions

Discount Rate Range (weighted average) (1)

March 31, 2026

Collateral dependent loans:

Commercial

7,209

Fair value of collateral

Discount for type of property, age of appraisal, and/or current status

0.00%- 100.00% (7.55%)

Commercial real estate

35,687

Fair value of collateral

Discount for type of property, age of appraisal, and/or current status

0.00% - 100.00% (3.48%)

Residential real estate

821

Fair value of collateral

Discount for type of property, age of appraisal, and/or current status

0.00%- 0.00% (0.00%)

Other real estate owned

514

Fair value of collateral

Discount for type of property, age of appraisal, and/or current status

7.54% - 70.67% (45.63%)

Commercial loans held for sale

1,870

Market approach

None - Fair value equals contracted sales price; no significant unobservable inputs

N/A

December 31, 2025

Collateral dependent loans:

Commercial

8,136

Fair value of collateral

Discount for type of property, age of appraisal, and/or current status

0.00% - 0.00% (0.00%)

Commercial real estate

40,324

Fair value of collateral

Discount for type of property, age of appraisal, and/or current status

0.00% - 100.00% (4.79%)

Residential real estate

592

Fair value of collateral

Discount for type of property, age of appraisal, and/or current status

0.00% - 0.00% (0.00%)

Other real estate owned

606

Fair value of collateral

Discount for type of property, age of appraisal, and/or current status

54.10% - 70.67% (58.17%.)

(1)Unobservable inputs were weighted by the relative fair value of the instruments.

ASC Topic 825, Financial Instruments, requires disclosure of the estimated fair value of certain financial instruments and the methods and significant assumptions used to estimate such fair values. Additionally, certain financial instruments and all nonfinancial instruments are excluded from the applicable disclosure requirements.

The Company has elected the fair value option for newly originated residential loans held for sale. These loans are intended for sale and are hedged with derivative instruments. We have elected the fair value option to mitigate accounting mismatches in cases where hedge accounting is complex and to achieve operational simplification.


	March 31, 2026						December 31, 2025
(dollars in thousands)	Aggregate fair value		Difference		Contractual principal		Aggregate fair value		Difference		Contractual principal

Residential loans held for sale	$	4,839	$	116	$	4,723	$	7,781	$	390	$	7,391


	Three Months Ended March 31,
(dollars in thousands)	2026		2025

Residential loans held for sale	$	(238)	$	87

The carrying values and estimated fair value of certain financial instruments not carried at fair value at March 31, 2026 and December 31, 2025 were as follows:


	March 31, 2026
(dollars in thousands)	Carrying amount		Fair value		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
Assets
Cash and due from banks	$	113,024	$	113,024	$	113,024	$	—	$	—
Federal funds sold	634		634		634		—		—

Loans, net	4,270,698		4,163,576		—		—		4,163,576
Accrued interest receivable	25,875		25,875		—		25,875		—

Liabilities
Deposits	$	5,440,067	$	5,434,700	$	—	$	5,434,700	$	—
Short-term borrowings	153,425		153,425		145,000		8,425		—
FHLB and other borrowings	238,000		238,341		—		238,341		—
Subordinated debt	27,024		22,948		—		22,948		—
Trust preferred debentures	52,035		48,478		—		48,478		—


	December 31, 2025
(dollars in thousands)	Carrying amount		Fair value		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
Assets
Cash and due from banks	$	127,279	$	127,279	$	127,279	$	—	$	—
Federal funds sold	532		532		532		—		—

Loans, net	4,282,785		4,229,483		—		—		4,229,483
Accrued interest receivable	23,824		23,824		—		23,824		—

Liabilities
Deposits	$	5,424,379	$	5,421,497	$	—	$	5,421,497	$	—
Short-term borrowings	60,181		60,181		50,000		10,181		—
FHLB and other borrowings	293,000		295,047		—		295,047		—
Subordinated debt	27,019		23,005		—		23,005		—
Trust preferred debentures	51,857		48,626		—		48,626		—

The methods utilized to measure fair value of financial instruments at March 31, 2026 and December 31, 2025 represent an approximation of exit price; however, an actual exit price may differ.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 107
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-107

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 100
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-100

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2E
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2E

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 940
-SubTopic 820
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478119/940-820-50-1

+ Details

LOANS - Risk Rating (Details) - Consumer loans and equipment finance loans and leases days past due	Mar. 31, 2026
Credit Risk State One \| Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	0 days
Credit Risk State One \| Maximum
Risk category
Consumer loans and equipment finance loans and leases days past due	14 days
Credit Risk State Two \| Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	15 days
Credit Risk State Two \| Maximum
Risk category
Consumer loans and equipment finance loans and leases days past due	29 days
Credit Risk State Three \| Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	30 days
Credit Risk State Three \| Maximum
Risk category
Consumer loans and equipment finance loans and leases days past due	59 days
Credit Risk State Four \| Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	60 days
Credit Risk State Four \| Maximum
Risk category
Consumer loans and equipment finance loans and leases days past due	89 days
Credit Risk State Default \| Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	90 days

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)

3 Months Ended

Mar. 31, 2026

Equity [Abstract]

Schedule of Accumulated Other Comprehensive Income (Loss)

The following table summarizes the changes within each classification of AOCI, net of tax:


(dollars in thousands)	Unrealized gains and losses on investment securities available for sale		Unrealized gains and losses on cash flow hedges		Total
Changes in AOCI for the three months ended March 31, 2026
Balances, December 31, 2025	$	(59,217)	$	(1,116)	$	(60,333)
Other comprehensive income (loss) before reclassifications	(10,870)		359		(10,511)
Amounts reclassified from AOCI to income (1)	1,291		(29)		1,262
Balances, March 31, 2026	$	(68,796)	$	(786)	$	(69,582)
Changes in AOCI for the three months ended March 31, 2025
Balances, December 31, 2024	$	(79,021)	$	(2,939)	$	(81,960)
Other comprehensive income (loss) before reclassifications	8,358		650		9,008
Amounts reclassified from AOCI to income (1)	(4)		617		613
Balances, March 31, 2025	$	(70,667)	$	(1,672)	$	(72,339)

(1) See table below for details related to reclassifications to income.

Schedule of Reclassification out of Accumulated Other Comprehensive Income

The following table summarizes the significant amounts reclassified out of each component of AOCI:


	Three Months Ended March 31,
(dollars in thousands)	2026		2025
Details about AOCI components	Amounts reclassified from AOCI				Affected line item in the statement of income
Unrealized gains and losses on investment securities available for sale	$	(20)	$	5		Interest income (expense)

	(1,731)		—			Loss on sales of investment securities, net
	460		(1)			Income tax (expense) benefit
	$	(1,291)	$	4		Net income (loss)

Gains and losses on cash flow hedges	$	193	$	(837)		Interest income (expense)

	(154)		—			Loss on termination of interest rate swaps
	(10)		220			Income tax (expense) benefit
	$	29	$	(617)		Net income (loss)

REVENUE FROM CONTRACTS WITH CUSTOMERS (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Disaggregation of Revenue [Line Items]
Noninterest income - out-of-scope of Topic 606	$ 6,013	$ 3,326
Total noninterest income	22,122	17,763
Trust management/administration fees
Disaggregation of Revenue [Line Items]
Revenue	7,170	6,444
Investment advisory and brokerage fees
Disaggregation of Revenue [Line Items]
Revenue	653	483
Other
Disaggregation of Revenue [Line Items]
Revenue	425	423
Nonsufficient fund fees
Disaggregation of Revenue [Line Items]
Revenue	2,088	1,953
Other
Disaggregation of Revenue [Line Items]
Revenue	1,267	1,352
Interchange revenues
Disaggregation of Revenue [Line Items]
Revenue	3,528	3,151
Merchant services revenue
Disaggregation of Revenue [Line Items]
Revenue	334	338
Other
Disaggregation of Revenue [Line Items]
Revenue	$ 644	$ 293

DERIVATIVE INSTRUMENTS - Schedule of Derivative Instruments in Statement of Financial Position (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	$ 3,094	$ 2,919
Liabilities	2,909	4,583
Notional amount	602,798	743,157
Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	558	532
Liabilities	233	416
Notional amount	73,659	66,410
Investment securities available for sale
Derivatives, Fair Value [Line Items]
Assets	952	608
Liabilities	1,901	2,901
Notional amount	187,798	228,157
Investment securities available for sale \| Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	659	754
Liabilities	0	0
Notional amount	90,000	90,000
Pools of commercial and commercial real estate loans \| Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	1,297	1,528
Liabilities	999	1,180
Notional amount	225,000	300,000
FHLB advances, brokered CDs and other borrowings \| Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	186	29
Liabilities	9	502
Notional amount	100,000	125,000
Swaps \| Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	233	395
Liabilities	233	395
Notional amount	52,199	52,637
Interest rate lock commitments \| Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	175	137
Liabilities	0	0
Notional amount	9,830	4,594
Forward commitments to sell mortgage-backed securities \| Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	150	0
Liabilities	0	21
Notional amount	$ 11,630	$ 9,179

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)

3 Months Ended

Mar. 31, 2026

Revenue from Contract with Customer [Abstract]

Summary of Noninterest Income, Segregated by Revenue

The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the three months ended March 31, 2026 and 2025:


	Three Months Ended March 31,
(dollars in thousands)	2026		2025
Noninterest income - in-scope of Topic 606
Wealth management revenue:
Trust management/administration fees	$	7,170	$	6,444
Investment advisory and brokerage fees	653		483

Other	425		423
Service charges on deposit accounts:
Nonsufficient fund fees	2,088		1,953
Other	1,267		1,352
Interchange revenues	3,528		3,151
Other income:
Merchant services revenue	334		338
Other	644		293
Noninterest income - out-of-scope of Topic 606	6,013		3,326
Total noninterest income	$	22,122	$	17,763

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

3 Months Ended

Mar. 31, 2026

Equity [Abstract]

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

The following table summarizes the changes within each classification of AOCI, net of tax:


(dollars in thousands)	Unrealized gains and losses on investment securities available for sale		Unrealized gains and losses on cash flow hedges		Total
Changes in AOCI for the three months ended March 31, 2026
Balances, December 31, 2025	$	(59,217)	$	(1,116)	$	(60,333)
Other comprehensive income (loss) before reclassifications	(10,870)		359		(10,511)
Amounts reclassified from AOCI to income (1)	1,291		(29)		1,262
Balances, March 31, 2026	$	(68,796)	$	(786)	$	(69,582)
Changes in AOCI for the three months ended March 31, 2025
Balances, December 31, 2024	$	(79,021)	$	(2,939)	$	(81,960)
Other comprehensive income (loss) before reclassifications	8,358		650		9,008
Amounts reclassified from AOCI to income (1)	(4)		617		613
Balances, March 31, 2025	$	(70,667)	$	(1,672)	$	(72,339)

(1) See table below for details related to reclassifications to income.

The following table summarizes the significant amounts reclassified out of each component of AOCI:


	Three Months Ended March 31,
(dollars in thousands)	2026		2025
Details about AOCI components	Amounts reclassified from AOCI				Affected line item in the statement of income
Unrealized gains and losses on investment securities available for sale	$	(20)	$	5		Interest income (expense)

	(1,731)		—			Loss on sales of investment securities, net
	460		(1)			Income tax (expense) benefit
	$	(1,291)	$	4		Net income (loss)

Gains and losses on cash flow hedges	$	193	$	(837)		Interest income (expense)

	(154)		—			Loss on termination of interest rate swaps
	(10)		220			Income tax (expense) benefit
	$	29	$	(617)		Net income (loss)

REVENUE FROM CONTRACTS WITH CUSTOMERS

3 Months Ended

Mar. 31, 2026

Revenue from Contract with Customer [Abstract]

REVENUE FROM CONTRACTS WITH CUSTOMERS

The Company’s revenue from contracts with customers in the scope of Topic 606 is recognized within noninterest income in the consolidated statements of income. The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the three months ended March 31, 2026 and 2025:


	Three Months Ended March 31,
(dollars in thousands)	2026		2025
Noninterest income - in-scope of Topic 606
Wealth management revenue:
Trust management/administration fees	$	7,170	$	6,444
Investment advisory and brokerage fees	653		483

Other	425		423
Service charges on deposit accounts:
Nonsufficient fund fees	2,088		1,953
Other	1,267		1,352
Interchange revenues	3,528		3,151
Other income:
Merchant services revenue	334		338
Other	644		293
Noninterest income - out-of-scope of Topic 606	6,013		3,326
Total noninterest income	$	22,122	$	17,763

Topic 606 does not apply to revenue associated with financial instruments, including revenue from loans and investment securities. In addition, certain noninterest income streams such as commercial FHA revenue, residential mortgage banking revenue, credit enhancement income, and gain on sales of investment securities, net, are also not in scope of Topic 606. Topic 606 is applicable to noninterest income streams such as wealth management revenue, service charges on deposit accounts, interchange revenue, gain on sales of other real estate owned and certain other noninterest income streams. The noninterest income streams considered in-scope by Topic 606 are discussed below.

Wealth Management Revenue

Wealth management revenue is primarily comprised of fees earned from the management and administration of trusts and other customer assets. The Company also earns investment advisory fees through its SEC registered investment advisory subsidiary. The Company’s performance obligation in both of these instances is generally satisfied over time and the resulting fees are recognized monthly, based upon the month-end market value of the assets under management and contractually determined fee schedules. Payment is generally received a few days after month end through a direct charge to each customer’s account. The Company does not earn performance-based incentives. Optional services such as real estate sales and tax return preparation services are also available to existing trust and asset management customers. The Company’s performance obligation for these transactional-based services is generally satisfied, and related revenue recognized, at a point in time (i.e., as incurred). Payment is received shortly after services are rendered. Fees generated from transactions executed by the Company’s third party broker dealer are remitted to the Company on a monthly basis for that month’s transactional activity.

Service Charges on Deposit Accounts

Service charges on deposit accounts consist of fees received under depository agreements with customers to provide access to deposited funds, serve as custodian of deposited funds, and when applicable, pay interest on deposits. These service charges primarily include non-sufficient fund fees and other account related service charges. Non-sufficient fund fees are earned when a depositor presents an item for payment in excess of available funds, and the Company, at its discretion, provides the necessary funds to complete the transaction. The Company generates other account related service charge revenue by providing depositors proper safeguard and remittance of funds as well as by delivering optional services for depositors, such as check imaging or treasury management, that are performed upon the depositor’s request. The Company’s performance obligation for the proper safeguard and remittance of funds, monthly account analysis and any other monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Payment for service charges on deposit accounts is typically received immediately or in the following month through a direct charge to a customer’s account.

Interchange Revenue

Interchange revenue includes debit / credit card income and ATM user fees. Card income is primarily comprised of interchange fees earned for standing ready to authorize and providing settlement on card transactions processed through the MasterCard interchange network. The levels and structure of interchange rates are set by MasterCard and can vary based on cardholder purchase volumes. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with completion of the Company’s performance obligation, the transaction processing services provided to the cardholder. Payment is typically received immediately or in the following month. ATM fees are primarily generated when a Company cardholder withdraws funds from a non-Company ATM or a non-Company cardholder withdraws funds from a Company ATM. The Company satisfies its performance obligation for each transaction at the point in time when the ATM withdrawal is processed.

Other Noninterest Income

The other noninterest income revenue streams within the scope of Topic 606 consist of merchant services revenue, safe deposit box rentals, wire transfer fees, paper statement fees, check printing commissions, gain on sales of other real estate owned and other noninterest related fees. Revenue from the Company’s merchant services business consists principally of transaction and account management fees charged to merchants for the electronic processing of transactions. These fees are net of interchange fees paid to the credit card issuing bank, card company assessments, and revenue sharing amounts. Account management fees are considered earned at the time the merchant’s transactions are processed or other services are performed. Fees related to the other components of other noninterest income within the scope of Topic 606 are largely transactional based, and therefore, the Company’s performance obligation is satisfied and related revenue recognized, at the point in time the customer uses the selected service to execute a transaction.

- Definition

The entire disclosure of revenue from contract with customer to transfer good or service and to transfer nonfinancial asset. Includes, but is not limited to, disaggregation of revenue, credit loss recognized from contract with customer, judgment and change in judgment related to contract with customer, and asset recognized from cost incurred to obtain or fulfill contract with customer. Excludes insurance and lease contracts.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-7

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-9

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-10

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-15

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-13

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
-Topic 606
-Publisher FASB
-URI https://asc.fasb.org/606/tableOfContent

+ Details

GOODWILL (Details) - USD ($) $ in Thousands	3 Months Ended
GOODWILL (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	$ 7,927		$ 7,927
Impairment on goodwill	$ 0	$ 153,977

- Definition

Amount, after accumulated impairment loss, of asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 24
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482548/350-20-55-24

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 8
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479328/805-10-50-8

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 10
-Name Accounting Standards Codification
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-URI https://asc.fasb.org/1943274/2147479303/805-10-55-41

Reference 4: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
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-Name Accounting Standards Codification
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-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478064/805-740-55-13

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
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-URI https://asc.fasb.org/1943274/2147479303/805-10-55-39

Reference 6: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 49
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482785/280-10-55-49

Reference 7: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 100
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-100

Reference 8: http://www.xbrl.org/2003/role/exampleRef
-Topic 852
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481372/852-10-55-10

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(15))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482598/350-20-45-1

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03(10)(1))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1

Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 805
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479581/805-30-50-4

+ Details

- Definition

Amount of impairment loss from asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized.

+ References + Details

LOANS (Tables)

3 Months Ended

Mar. 31, 2026

Receivables [Abstract]

Schedule of Loans

The following table presents total loans outstanding by portfolio class, as of March 31, 2026 and December 31, 2025:


(dollars in thousands)	March 31, 2026		December 31, 2025
Commercial:
Commercial	$	1,109,478	$	1,062,691
Commercial other	107,033		115,830
Commercial real estate:
Commercial real estate non-owner occupied	1,419,542		1,447,894
Commercial real estate owner occupied	461,699		444,443
Multi-family	376,242		383,377
Farmland	64,715		66,950
Construction and land development	276,469		286,140
Total commercial loans	3,815,178		3,807,325
Residential real estate:
Residential first lien	280,205		286,178
Other residential	64,306		63,445
Consumer:
Consumer	93,332		99,692
Consumer other	41,749		44,383
Lease financing	43,803		50,981
Total loans	$	4,338,573	$	4,352,004

Schedule of Changes in Financing Receivable Related Parties Roll Forward

The new loans, other additions, repayments and other reductions for the three months ended March 31, 2026 and 2025, are summarized as follows:


	Three Months Ended March 31,
(dollars in thousands)		2026		2025
Beginning balance		$	46,999	$	40,410
New loans and other additions		496		2,358
Repayments and other reductions		(410)		(740)
Ending balance		$	47,085	$	42,028

Summary of Changes in Allowance for Loan Losses, by Loan Portfolio

The following table represents, by loan portfolio segment, a summary of changes in the allowance for credit losses on loans for the three months ended March 31, 2026 and 2025:


	Commercial Loan Portfolio						Other Loan Portfolio
(dollars in thousands)	Commercial		Commercial real estate		Construction and land development		Residential real estate		Consumer		Lease financing		Total

Balances, December 31, 2025	$	23,676	$	28,284	$	2,619	$	6,652	$	4,804	$	3,184	$	69,219
Provision for credit losses on loans	2,489		3,206		(16)		(459)		137		46		5,403
Charge-offs	(2,062)		(3,838)		(35)		(65)		(896)		(737)		(7,633)
Recoveries	474		1		—		75		158		178		886
Balances, March 31, 2026	$	24,577	$	27,653	$	2,568	$	6,203	$	4,203	$	2,671	$	67,875









Balances, December 31, 2024	$	42,776	$	36,837	$	3,550	$	8,002	$	5,400	$	14,639	$	111,204
Provision for credit losses on loans	3,580		2,954		(529)		(74)		940		3,979		10,850
Charge-offs	(13,300)		(723)		—		(72)		(453)		(3,448)		(17,996)
Recoveries	498		1		—		18		48		553		1,118
Balances, March 31, 2025	$	33,554	$	39,069	$	3,021	$	7,874	$	5,935	$	15,723	$	105,176

Schedule of Transitioning Risk States for Each Asset Pool within the Expected Credit Loss Model

The below table illustrates the transition matrix:


Risk state	Commercial loans risk rating	Consumer loans and equipment finance loans and leases days past due
1	0-5	0-14
2	6	15-29
3	7	30-59
4	8	60-89
Default	9+ and nonaccrual	90+ and nonaccrual

Schedule of Amortized Cost Basis of Individually Evaluated Loans on Nonaccrual Status

The following table presents the amortized cost basis of individually evaluated loans on nonaccrual status as of March 31, 2026 and December 31, 2025:


	March 31, 2026						December 31, 2025
(dollars in thousands)	Nonaccrual with allowance		Nonaccrual with no allowance		Total nonaccrual		Nonaccrual with allowance		Nonaccrual with no allowance		Total nonaccrual
Commercial:
Commercial	$	3,192	$	3,850	$	7,042	$	3,370	$	3,849	$	7,219
Commercial other	1,203		1,301		2,504		1,040		2,157		3,197
Commercial real estate:
Commercial real estate non-owner occupied	11,100		5		11,105		1,537		13,547		15,084
Commercial real estate owner occupied	3,533		8,684		12,217		3,455		8,684		12,139
Multi-family	—		15,258		15,258		14,336		2,112		16,448
Farmland	1,148		254		1,402		1,260		402		1,662
Construction and land development	—		—		—		155		—		155
Total commercial loans	20,176		29,352		49,528		25,153		30,751		55,904
Residential real estate:
Residential first lien	3,011		255		3,266		3,087		313		3,400
Other residential	613		—		613		426		—		426
Consumer:
Consumer	77		—		77		47		—		47

Lease financing	674		—		674		1,162		—		1,162
Total loans	$	24,551	$	29,607	$	54,158	$	29,875	$	31,064	$	60,939

The following table presents, by loan portfolio segment, a summary of loan restructurings for the three months ended March 31, 2026 and 2025:


	Three Months Ended March 31,
	2026			2025
(dollars in thousands)	Balance		Count	Balance		Count
Commercial:
Commercial	$	1,369	1	$	973	1
Commercial other	—		—	306		2
Commercial real estate:



Farmland	100		1	—		—
Construction and land development	9,000		1	—		—
Total commercial loans	10,469		3	1,279		3
Residential real estate:
Residential first lien	37		1	150		3
Other residential	—		—	11		1




Total loan restructurings	$	10,506	4	$	1,440	7

Schedule of Collateral Dependent Loans

The table below presents the amortized cost basis of individually evaluated, collateral dependent loans by loan class, for borrowers experiencing financial difficulty, as of March 31, 2026 and December 31, 2025:


	Type of Collateral
(dollars in thousands)	Real Estate		Blanket Lien		Total
March 31, 2026
Commercial:
Commercial	$	—	$	3,850	$	3,850
Commercial other	—		1,889		1,889
Commercial real estate:
Non-owner occupied	10,030		—		10,030
Owner occupied	8,576		1,595		10,171
Multi-family	15,258		—		15,258
Farmland	—		254		254





Total collateral dependent loans	$	33,864	$	7,588	$	41,452

December 31, 2025
Commercial:
Commercial	$	—	$	3,850	$	3,850
Commercial other	—		2,157		2,157
Commercial real estate:
Non-owner occupied	13,951		—		13,951
Owner occupied	8,576		1,595		10,171
Multi-family	16,448		—		16,448
Farmland	—		401		401





Total collateral dependent loans	$	38,975	$	8,003	$	46,978

Schedule of Aging Status of Recorded Investments in Loans by Portfolio (Excluding PCI Loans)

The aging status of the recorded investment in loans by class as of March 31, 2026 was as follows:


	Accruing loans
(dollars in thousands)	Current		30-59 days past due		60-89 days past due		Past due 90 days or more		Total past due		Nonaccrual		Total
Commercial:
Commercial	$	1,098,490	$	3,919	$	27	$	—	$	3,946	$	7,042	$	1,109,478
Commercial other	94,049		5,239		747		4,494		10,480		2,504		107,033
Commercial real estate:
Commercial real estate non-owner occupied	1,408,265		172		—		—		172		11,105		1,419,542
Commercial real estate owner occupied	448,994		—		488		—		488		12,217		461,699
Multi-family	355,871		5,113		—		—		5,113		15,258		376,242
Farmland	63,136		21		156		—		177		1,402		64,715
Construction and land development	276,469		—		—		—		—		—		276,469
Total commercial loans	3,745,274		14,464		1,418		4,494		20,376		49,528		3,815,178
Residential real estate:
Residential first lien	275,596		1,328		15		—		1,343		3,266		280,205
Other residential	63,312		110		271		—		381		613		64,306
Consumer:
Consumer	93,055		143		57		—		200		77		93,332
Consumer other	41,270		376		103		—		479		—		41,749
Lease financing	41,009		1,267		714		139		2,120		674		43,803
Total loans	$	4,259,516	$	17,688	$	2,578	$	4,633	$	24,899	$	54,158	$	4,338,573

The aging status of the recorded investment in loans by class as of December 31, 2025 was as follows:


	Accruing loans
(dollars in thousands)	Current		30-59 days past due		60-89 days past due		Past due 90 days or more		Total past due		Nonaccrual		Total
Commercial:
Commercial	$	1,053,096	$	2,035	$	341	$	—	$	2,376	$	7,219	$	1,062,691
Commercial other	101,686		4,113		2,325		4,509		10,947		3,197		115,830
Commercial real estate:
Commercial real estate non-owner occupied	1,432,637		173		—		—		173		15,084		1,447,894
Commercial real estate owner occupied	430,972		701		631		—		1,332		12,139		444,443
Multi-family	366,929		—		—		—		—		16,448		383,377
Farmland	65,267		21		—		—		21		1,662		66,950
Construction and land development	282,169		3,718		98		—		3,816		155		286,140
Total commercial loans	3,732,756		10,761		3,395		4,509		18,665		55,904		3,807,325
Residential real estate:
Residential first lien	282,320		22		401		35		458		3,400		286,178
Other residential	62,459		450		110		—		560		426		63,445
Consumer:
Consumer	99,474		153		18		—		171		47		99,692
Consumer other	43,618		320		445		—		765		—		44,383
Lease financing	48,815		945		59		—		1,004		1,162		50,981
Total loans	$	4,269,442	$	12,651	$	4,428	$	4,544	$	21,623	$	60,939	$	4,352,004

Schedule of Financing Receivable, Modified

The following tables present a summary of loan restructurings, by loan portfolio segment and type of restructuring, for the three months ended March 31, 2026 and 2025:


For the three months ended March 31, 2026
(dollars in thousands)	Term Extension ($)		Total Modifications ($)		Total Class of Financing Receivable (%)
Commercial:
Commercial	$	1,369	$	1,369	0.12	%
Commercial other	—		—		—
Commercial real estate:



Farmland	100		100		0.15
Construction & land development	9,000		9,000		3.26
Total commercial loans	$	10,469	$	10,469	0.27	%
Residential real estate:
Residential first lien	37		37		0.01
Other residential	—		—		—




Total	$	10,506	$	10,506	0.24	%


For the three months ended March 31, 2025
(dollars in thousands)	Term Extension ($)		Interest Rate Reduction ($)		Total Modifications ($)		Total Class of Financing Receivable (%)
Commercial:
Commercial	$	973	$	—	$	973	0.09	%
Commercial other	—		306		306		0.26
Commercial real estate:



Farmland	—		—		—		—
Construction & land development	—		—		—		—
Total commercial loans	$	973	$	306	$	1,279	0.03	%
Residential real estate:
Residential first lien	150		—		150		0.05
Other residential	11		—		11		0.02




Total	$	1,134	$	306	$	1,440	0.03	%

Schedule of Performance of Modified Loans

The following table presents the performance of such loans that have been modified in the last twelve months as of March 31, 2026:


(dollars in thousands)	30-59 days past due		60-89 days past due		Past due 90 days or more		Total past due		Current		Total
Commercial:
Commercial	$	—	$	—	$	—	$	—	$	12,158	$	12,158
Commercial other	169		—		—		169		—		169
Commercial real estate:
Commercial real estate non-owner occupied	—		—		—		—		19,864		19,864


Farmland	221		—		—		221		100		321
Construction and land development	—		—		—		—		10,589		10,589
Total commercial loans	390		—		—		390		42,711		43,101
Residential real estate:
Residential first lien	—		—		—		—		78		78
Other residential	—		—		—		—		—		—




Total loan restructurings	$	390	$	—	$	—	$	390	$	42,789	$	43,179

The following table presents the performance of such loans that have been modified in the last twelve months as of December 31, 2025:


(dollars in thousands)	30-59 days past due		60-89 days past due		Past due 90 days or more		Total past due		Current		Total
Commercial:
Commercial	$	—	$	—	$	—	$	—	$	12,033	$	12,033
Commercial other	—		—		—		—		552		552
Commercial real estate:
Commercial real estate non-owner occupied	—		—		—		—		20,013		20,013


Farmland	—		—		—		—		380		380
Construction and land development	—		—		—		—		1,588		1,588
Total commercial loans	—		—		—		—		34,566		34,566
Residential real estate:
Residential first lien	—		5		2		7		178		185
Other residential	—		—		—		—		9		9




Total loan restructurings	$	—	$	5	$	2	$	7	$	34,753	$	34,760

Schedule of Loans Credit Equality Indicators

The following tables present the recorded investment of the commercial loan portfolio by risk category as of March 31, 2026 and December 31, 2025:


			March 31, 2026
			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2026		2025		2024		2023		2022		Prior		Revolving loans		Total
Commercial	Commercial	Acceptable credit quality	$	75,899	$	418,424	$	87,281	$	29,812	$	12,768	$	58,726	$	400,925	$	1,083,835
		Special mention	—		—		—		5,229		—		—		—		5,229
		Substandard	—		680		1,442		2,511		191		5,239		3,309		13,372
		Substandard – nonaccrual	—		—		67		1,034		4,200		1,038		703		7,042
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	75,899		419,104		88,790		38,586		17,159		65,003		404,937		1,109,478

	Commercial other	Acceptable credit quality	1,888		3,611		1,452		1,400		5,503		788		87,291		101,933
		Special mention	—		201		—		59		189		56		1,183		1,688
		Substandard	—		—		—		24		—		64		820		908
		Substandard – nonaccrual	—		—		—		464		104		238		1,698		2,504
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	1,888		3,812		1,452		1,947		5,796		1,146		90,992		107,033

Commercial real estate	Non-owner occupied	Acceptable credit quality	79,175		291,851		244,596		126,614		302,152		279,611		11,738		1,335,737
		Special mention	—		3,104		—		—		2,761		16,016		—		21,881
		Substandard	4,247		8,203		8,003		—		15,645		14,721		—		50,819
		Substandard – nonaccrual	—		82		5,256		—		59		5,708		—		11,105
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	83,422		303,240		257,855		126,614		320,617		316,056		11,738		1,419,542

	Owner occupied	Acceptable credit quality	26,869		106,576		82,922		37,064		85,621		107,425		1,149		447,626
		Special mention	—		—		217		—		—		619		—		836
		Substandard	—		—		317		—		—		703		—		1,020
		Substandard – nonaccrual	—		909		184		—		9,640		1,180		304		12,217
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	26,869		107,485		83,640		37,064		95,261		109,927		1,453		461,699

	Multi-family	Acceptable credit quality	38,466		96,290		7,273		10,180		135,989		42,158		1,002		331,358
		Special mention	—		—		—		7,525		—		—		—		7,525
		Substandard	—		—		—		—		16,955		5,146		—		22,101
		Substandard – nonaccrual	—		—		—		—		15,258		—		—		15,258
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	38,466		96,290		7,273		17,705		168,202		47,304		1,002		376,242

	Farmland	Acceptable credit quality	3,979		17,338		1,875		6,482		3,101		26,968		721		60,464
		Special mention	—		—		—		—		—		1,077		—		1,077
		Substandard	1,294		358		—		—		—		120		—		1,772
		Substandard – nonaccrual	—		33		—		—		—		1,321		48		1,402
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	5,273		17,729		1,875		6,482		3,101		29,486		769		64,715

Construction and land development		Acceptable credit quality	17,016		118,408		51,770		954		28,559		24,564		16,459		257,730
		Special mention	—		1,103		—		—		9,000		—		—		10,103
		Substandard	—		—		1,588		—		—		73		—		1,661
		Substandard – nonaccrual	—		—		—		—		—		—		—		—
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	1,271		4,431		759		294		152		68		—		6,975
		Subtotal	18,287		123,942		54,117		1,248		37,711		24,705		16,459		276,469

Total		Acceptable credit quality	243,292		1,052,498		477,169		212,506		573,693		540,240		519,285		3,618,683
		Special mention	—		4,408		217		12,813		11,950		17,768		1,183		48,339
		Substandard	5,541		9,241		11,350		2,535		32,791		26,066		4,129		91,653
		Substandard – nonaccrual	—		1,024		5,507		1,498		29,261		9,485		2,753		49,528
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	1,271		4,431		759		294		152		68		—		6,975
Total commercial loans			$	250,104	$	1,071,602	$	495,002	$	229,646	$	647,847	$	593,627	$	527,350	$	3,815,178


			December 31, 2025
			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2025		2024		2023		2022		2021		Prior		Revolving loans		Total
Commercial	Commercial	Acceptable credit quality	$	430,303	$	90,583	$	68,878	$	13,508	$	25,150	$	37,678	$	369,376	$	1,035,476
		Special mention	647		1,442		5,229		—		—		21		—		7,339
		Substandard	37		—		2,556		216		4,099		1,181		4,568		12,657
		Substandard – nonaccrual	—		70		996		4,200		426		818		709		7,219
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	430,987		92,095		77,659		17,924		29,675		39,698		374,653		1,062,691

	Commercial other	Acceptable credit quality	4,966		1,732		1,735		6,396		693		312		94,573		110,407
		Special mention	201		—		64		209		—		8		663		1,145
		Substandard	—		—		26		—		—		63		992		1,081
		Substandard – nonaccrual	—		—		500		79		311		311		1,996		3,197
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	5,167		1,732		2,325		6,684		1,004		694		98,224		115,830

Commercial real estate	Non-owner occupied	Acceptable credit quality	317,256		253,999		121,375		327,996		187,171		132,080		12,556		1,352,433
		Special mention	104		7,630		3,113		2,780		12,508		3,600		—		29,735
		Substandard	342		8,088		—		10,254		—		31,958		—		50,642
		Substandard – nonaccrual	—		9,178		—		59		—		5,847		—		15,084
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	317,702		278,895		124,488		341,089		199,679		173,485		12,556		1,447,894

	Owner occupied	Acceptable credit quality	92,863		82,708		39,146		86,498		66,979		59,816		835		428,845
		Special mention	—		841		—		—		—		630		—		1,471
		Substandard	287		358		—		—		18		1,325		—		1,988
		Substandard – nonaccrual	909		184		—		9,643		264		835		304		12,139
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	94,059		84,091		39,146		96,141		67,261		62,606		1,139		444,443

	Multi-family	Acceptable credit quality	102,138		30,280		10,233		150,482		38,456		4,473		1,101		337,163
		Special mention	—		—		7,562		17,045		—		—		—		24,607
		Substandard	—		—		—		—		5,124		35		—		5,159
		Substandard – nonaccrual	—		—		—		16,448		—		—		—		16,448
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	102,138		30,280		17,795		183,975		43,580		4,508		1,101		383,377

	Farmland	Acceptable credit quality	19,081		1,906		6,858		3,415		6,418		23,454		775		61,907
		Special mention	—		—		—		—		827		94		—		921
		Substandard	958		—		1,210		—		12		280		—		2,460
		Substandard – nonaccrual	246		—		—		—		267		1,101		48		1,662
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	20,285		1,906		8,068		3,415		7,524		24,929		823		66,950

Construction and land development		Acceptable credit quality	122,570		78,267		11,000		26,771		16,363		359		14,402		269,732
		Special mention	942		—		—		9,000		—		—		—		9,942
		Substandard	—		1,588		—		—		77		—		—		1,665
		Substandard – nonaccrual	—		155		—		—		—		—		—		155
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	3,292		774		306		255		—		19		—		4,646
		Subtotal	126,804		80,784		11,306		36,026		16,440		378		14,402		286,140

Total		Acceptable credit quality	1,089,177		539,475		259,225		615,066		341,230		258,172		493,618		3,595,963
		Special mention	1,894		9,913		15,968		29,034		13,335		4,353		663		75,160
		Substandard	1,624		10,034		3,792		10,470		9,330		34,842		5,560		75,652
		Substandard – nonaccrual	1,155		9,587		1,496		30,429		1,268		8,912		3,057		55,904
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	3,292		774		306		255		—		19		—		4,646
Total commercial loans			$	1,097,142	$	569,783	$	280,787	$	685,254	$	365,163	$	306,298	$	502,898	$	3,807,325

The following table presents the gross charge-offs by class of loan and year of origination on the commercial loan portfolio for the three months ended March 31, 2026 and 2025:


		Term Loans by Origination Year
(dollars in thousands)		2026		2025		2024		2023		2022		Prior		Revolving Loans		Total
For the three months ended March 31, 2026
Commercial	Commercial	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
	Commercial other	—		22		4		21		15		3		1,997		2,062
Commercial real estate	Non-owner occupied	—		—		—		—		—		2,710		—		2,710

	Multi-family	—		—		—		—		1,128		—		—		1,128

Construction and land development		—		—		35		—		—		—		—		35
Total gross commercial charge-offs		$	—	$	22	$	39	$	21	$	1,143	$	2,713	$	1,997	$	5,935


		Term Loans by Origination Year
(dollars in thousands)		2025		2024		2023		2022		2021		Prior		Revolving Loans		Total
For the three months ended March 31, 2025
Commercial	Commercial	$	—	$	—	$	—	$	—	$	—	$	64	$	—	$	64
	Commercial other	—		42		792		1,015		227		78		11,082		13,236
Commercial real estate	Non-owner occupied	—		—		—		—		—		—		—		—

	Multi-family	—		—		—		—		—		723		—		723

Construction and land development		—		—		—		—		—		—		—		—
Total gross commercial charge-offs		$	—	$	42	$	792	$	1,015	$	227	$	865	$	11,082	$	14,023

The following tables present the recorded investment of our other loan portfolio based on the credit risk profile of loans that are performing and loans that are nonperforming as of March 31, 2026 and December 31, 2025:


			March 31, 2026
			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2026		2025		2024		2023		2022		Prior		Revolving Loans		Total
Residential real estate	Residential first lien	Performing	$	1,457	$	7,114	$	27,533	$	37,108	$	60,017	$	143,631	$	80	$	276,940
		Nonperforming	—		23		—		472		180		2,590		—		3,265
		Subtotal	1,457		7,137		27,533		37,580		60,197		146,221		80		280,205

	Other residential	Performing	317		2,893		2,035		1,653		588		1,471		54,735		63,692
		Nonperforming	—		—		—		—		—		93		521		614
		Subtotal	317		2,893		2,035		1,653		588		1,564		55,256		64,306

Consumer	Consumer	Performing	2,386		30,456		14,207		13,075		10,495		21,744		892		93,255
		Nonperforming	—		—		43		20		—		12		2		77
		Subtotal	2,386		30,456		14,250		13,095		10,495		21,756		894		93,332

	Consumer other	Performing	—		—		—		323		29,752		11,674		—		41,749
		Nonperforming	—		—		—		—		—		—		—		—
		Subtotal	—		—		—		323		29,752		11,674		—		41,749

Leases financing		Performing	229		4,483		7,323		11,436		14,894		4,625		—		42,990
		Nonperforming	—		—		146		249		339		79		—		813
		Subtotal	229		4,483		7,469		11,685		15,233		4,704		—		43,803

Total		Performing	4,389		44,946		51,098		63,595		115,746		183,145		55,707		518,626
		Nonperforming	—		23		189		741		519		2,774		523		4,769
Total other loans			$	4,389	$	44,969	$	51,287	$	64,336	$	116,265	$	185,919	$	56,230	$	523,395


			December 31, 2025
			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2025		2024		2023		2022		2021		Prior		Revolving loans		Total
Residential real estate	Residential first lien	Performing	$	8,254	$	28,464	$	37,936	$	60,875	$	29,331	$	117,847	$	35	$	282,742
		Nonperforming	25		—		475		239		296		2,401		—		3,436
		Subtotal	8,279		28,464		38,411		61,114		29,627		120,248		35		286,178

	Other residential	Performing	3,104		2,092		1,761		642		194		1,441		53,786		63,020
		Nonperforming	—		—		—		—		—		93		332		425
		Subtotal	3,104		2,092		1,761		642		194		1,534		54,118		63,445

Consumer	Consumer	Performing	33,113		16,117		14,210		11,576		18,018		5,571		1,040		99,645
		Nonperforming	—		3		23		4		—		16		1		47
		Subtotal	33,113		16,120		14,233		11,580		18,018		5,587		1,041		99,692

	Consumer other	Performing	—		—		326		30,970		5,874		7,213		—		44,383
		Nonperforming	—		—		—		—		—		—		—		—
		Subtotal	—		—		326		30,970		5,874		7,213		—		44,383

Leases financing		Performing	5,664		7,833		12,837		17,399		4,533		1,553		—		49,819
		Nonperforming	—		442		60		327		321		12		—		1,162
		Subtotal	5,664		8,275		12,897		17,726		4,854		1,565		—		50,981

Total
		Performing	50,135		54,506		67,070		121,462		57,950		133,625		54,861		539,609
		Nonperforming	25		445		558		570		617		2,522		333		5,070
Total other loans			$	50,160	$	54,951	$	67,628	$	122,032	$	58,567	$	136,147	$	55,194	$	544,679

The following table presents the gross charge-offs by class of loan and year of origination on the other loan portfolio for the three months ended March 31, 2026 and 2025:


		Term Loans by Origination Year
(dollars in thousands)		2026		2025		2024		2023		2022		Prior		Revolving Loans		Total
For the three months ended March 31, 2026
Residential real estate	Residential first lien	$	—	$	—	$	—	$	—	$	59	$	—	$	—	$	59
	Other residential	—		—		—		—		—		—		6		6
Consumer	Consumer	—		1		12		28		2		1		1		45
	Consumer other	1		84		18		28		465		255		—		851
Lease financing		—		—		284		24		168		261		—		737
Total gross other charge-offs		$	1	$	85	$	314	$	80	$	694	$	517	$	7	$	1,698


		Term Loans by Origination Year
(dollars in thousands)		2025		2024		2023		2022		2021		Prior		Revolving Loans		Total
For the three months ended March 31, 2025
Residential real estate	Residential first lien	$	—	$	—	$	—	$	—	$	—	$	27	$	—	$	27
	Other residential	—		—		—		25		—		1		19		45
Consumer	Consumer	—		1		5		2		—		1		4		13
	Consumer other	4		52		17		15		5		347		—		440
Lease financing		—		143		1,706		1,231		209		159		—		3,448
Total gross other charge-offs		$	4	$	196	$	1,728	$	1,273	$	214	$	535	$	23	$	3,973

SEGMENT INFORMATION (Tables)

3 Months Ended

Mar. 31, 2026

Segment Reporting [Abstract]

Schedule of Segment Financial Information

Selected business segment financial information for the three months ended March 31, 2026 and 2025 were as follows:


(dollars in thousands)	Banking		Wealth Management		Corporate		Total
Three Months Ended March 31, 2026
Interest income	$	86,022	$	—	$	—	$	86,022
Interest expense	27,238		20		1,347		28,605
Net interest income (expense)	58,784		(20)		(1,347)		57,417
Provision for credit losses	5,003		—		—		5,003
Wealth management revenue	—		8,248		—		8,248
Other noninterest income	15,006		—		(1,132)		13,874
Total noninterest income	15,006		8,248		(1,132)		22,122
Salaries and employee benefits	21,763		4,394		—		26,157
Depreciation expense	1,206		11		—		1,217
Amortization of intangible assets	471		246		—		717
Other noninterest expense	21,018		1,815		(500)		22,333
Total noninterest expense	44,458		6,466		(500)		50,424
Income (loss) before income taxes	24,329		1,762		(1,979)		24,112
Income tax expense (benefit)	5,305		759		(415)		5,649
Net income (loss)	$	19,024	$	1,003	$	(1,564)	$	18,463
Total assets	$	6,561,452	$	37,760	$	(51,249)	$	6,547,963





















(dollars in thousands)	Banking		Wealth Management		Corporate		Total
Three Months Ended March 31, 2025
Interest income	$	99,355	$	—	$	—	$	99,355
Interest expense	38,730		17		2,318		41,065
Net interest income (expense)	60,625		(17)		(2,318)		58,290
Provision for credit losses	10,850		—		—		10,850
Wealth management revenue	—		7,350		—		7,350
Other noninterest income	11,350		—		(937)		10,413
Total noninterest income	11,350		7,350		(937)		17,763
Salaries and employee benefits	22,914		3,502		—		26,416
Depreciation expense	1,228		10		—		1,238
Amortization of intangible assets	644		267		—		911
Other noninterest expense	173,513		1,716		(789)		174,440
Total noninterest expense	198,299		5,495		(789)		203,005
Income (loss) before income taxes	(137,174)		1,838		(2,466)		(137,802)
Income tax expense (benefit)	3,107		760		(695)		3,172
Net income (loss)	$	(140,281)	$	1,078	$	(1,771)	$	(140,974)
Total assets	$	7,290,894	$	33,541	$	(39,631)	$	7,284,804

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	Mar. 31, 2026
Organization, Consolidation and Presentation of Financial Statements [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Nature of Operations Midland States Bancorp, Inc. is a diversified financial holding company headquartered in Effingham, Illinois. Our wholly owned banking subsidiary, Midland States Bank, has branches across Illinois and in Missouri, and provides a full range of commercial and consumer banking products and services, merchant credit card services, trust and investment management services, and insurance and financial planning services. Our principal business activity is lending to and accepting deposits from individuals, businesses, municipalities and other entities. We have derived income principally from interest charged on loans and, to a lesser extent, from interest and dividends earned on investment securities. We have also derived income from noninterest sources, such as: fees received in connection with various lending and deposit services; wealth management services; mortgage loan originations, sales and servicing; and, from time to time, gains on sales of assets. Our principal expenses include interest expense on deposits and borrowings, operating expenses, such as salaries and employee benefits, occupancy and equipment expenses, data processing costs, professional fees and other noninterest expenses, provisions for credit losses and income taxes. Basis of Presentation The accompanying unaudited condensed consolidated financial statements of the Company have been prepared in accordance with GAAP and guidance provided by the SEC for interim financial information. Accordingly, the condensed financial statements do not include all of the information and footnotes required by GAAP for completed financial statements. The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. Actual results may differ from these estimates. The consolidated financial statements of the Company should be read in conjunction with the consolidated financial statements and related notes contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, filed with the SEC on March 2, 2026. Certain reclassifications of 2025 amounts have been made to conform to the 2026 presentation. All significant transactions and accounts between subsidiaries have been eliminated. Assets held for customers in a fiduciary or agency capacity are not assets of the Company and, accordingly, other than trust cash on deposit with the Bank, are not included in the accompanying unaudited balance sheets. Management has evaluated subsequent events for potential recognition or disclosure. Operating results for the three months ended March 31, 2026 are not necessarily indicative of the results that may be expected for the year ending December 31, 2026 or any other period. Accounting Guidance Not Yet Adopted FASB ASU No. 2024-03, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses - In November 2024, the FASB issued ASU 2024-03 in order to improve the disclosures about a public business entity's expenses and address requests from investors for more detailed information about the types of expenses in commonly presented expense captions. The amendments in ASU 2024-03 require disclosure, in the notes to the financial statements, of specified information about certain costs and expenses in interim and year-end reporting periods. The amendments in this ASU apply to all public business entities and are effective for annual reporting periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. Early adoption is permitted. The amendments are to be applied either (1) prospectively to financial statements issued for reporting periods after the effective date or (2) retrospectively to any or all prior periods presented in the financial statements. The Company will update the related disclosures upon adoption. FASB ASU No. 2025-06, Intangibles - Goodwill and Other--Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software - In September 2025, the FASB issued ASU 2025-06, changing the criteria for capitalizing software costs to the following: (1) a commitment has been made to fund the software project, and (2) it is probable the project will be completed and used to perform its intended function. Under this update, software development stages are no longer a consideration in the determination of which costs are capitalized. The amendments in this update may be adopted on a prospective, modified transition, or retrospective basis, and will be effective for the Company for annual and interim reporting periods beginning January 1, 2028. Early adoption is permitted. The Company is currently evaluating the effect this ASU may have on its financial position and results of operations.

INVESTMENT SECURITIES - Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Amortized cost
Within one year	$ 3,738
After one year through five years	35,575
After five years through ten years	105,681
After ten years	119,263
Mortgage-backed securities	1,421,161
Amortized cost	1,685,418		$ 1,602,810
Fair value
Within one year	3,779
After one year through five years	34,270
After five years through ten years	101,333
After ten years	118,120
Mortgage-backed securities	1,335,053
Fair value	1,592,555		$ 1,523,001
Proceeds from sales	98,599	$ 0
Gross realized gains on sales	248
Gross realized losses on sales	$ (1,979)

LOANS - Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Summary of loans
Total collateral dependent loans	$ 41,452	$ 46,978
Real Estate
Summary of loans
Total collateral dependent loans	33,864	38,975
Blanket Lien
Summary of loans
Total collateral dependent loans	7,588	8,003
Commercial Loan Portfolio \| Commercial
Summary of loans
Total collateral dependent loans	3,850	3,850
Commercial Loan Portfolio \| Commercial \| Real Estate
Summary of loans
Total collateral dependent loans	0	0
Commercial Loan Portfolio \| Commercial \| Blanket Lien
Summary of loans
Total collateral dependent loans	3,850	3,850
Commercial Loan Portfolio \| Commercial other
Summary of loans
Total collateral dependent loans	1,889	2,157
Commercial Loan Portfolio \| Commercial other \| Real Estate
Summary of loans
Total collateral dependent loans	0	0
Commercial Loan Portfolio \| Commercial other \| Blanket Lien
Summary of loans
Total collateral dependent loans	1,889	2,157
Commercial Loan Portfolio \| Commercial real estate non-owner occupied
Summary of loans
Total collateral dependent loans	10,030	13,951
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Real Estate
Summary of loans
Total collateral dependent loans	10,030	13,951
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Blanket Lien
Summary of loans
Total collateral dependent loans	0	0
Commercial Loan Portfolio \| Commercial real estate owner occupied
Summary of loans
Total collateral dependent loans	10,171	10,171
Commercial Loan Portfolio \| Commercial real estate owner occupied \| Real Estate
Summary of loans
Total collateral dependent loans	8,576	8,576
Commercial Loan Portfolio \| Commercial real estate owner occupied \| Blanket Lien
Summary of loans
Total collateral dependent loans	1,595	1,595
Commercial Loan Portfolio \| Multi-family
Summary of loans
Total collateral dependent loans	15,258	16,448
Commercial Loan Portfolio \| Multi-family \| Real Estate
Summary of loans
Total collateral dependent loans	15,258	16,448
Commercial Loan Portfolio \| Multi-family \| Blanket Lien
Summary of loans
Total collateral dependent loans	0	0
Commercial Loan Portfolio \| Farmland
Summary of loans
Total collateral dependent loans	254	401
Commercial Loan Portfolio \| Farmland \| Real Estate
Summary of loans
Total collateral dependent loans	0	0
Commercial Loan Portfolio \| Farmland \| Blanket Lien
Summary of loans
Total collateral dependent loans	$ 254	$ 401

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) - Schedule of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning Balance	$ 565,499	$ 710,847
Other comprehensive income (loss) before reclassifications	(10,511)	9,008
Amounts reclassified from AOCI to income	1,262	613
Ending Balance	558,954	571,437
Total
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning Balance	(60,333)	(81,960)
Ending Balance	(69,582)	(72,339)
Unrealized gains and losses on investment securities available for sale
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning Balance	(59,217)	(79,021)
Other comprehensive income (loss) before reclassifications	(10,870)	8,358
Amounts reclassified from AOCI to income	1,291	(4)
Ending Balance	(68,796)	(70,667)
Unrealized gains and losses on cash flow hedges
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning Balance	(1,116)	(2,939)
Other comprehensive income (loss) before reclassifications	359	650
Amounts reclassified from AOCI to income	(29)	617
Ending Balance	$ (786)	$ (1,672)

- Definition

Amount of equity (deficit) attributable to parent. Excludes temporary equity and equity attributable to noncontrolling interest.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480738/235-10-S50-1

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(g)(1)(i))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 28
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-28

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(29))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(30))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(31))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 7: http://www.xbrl.org/2003/role/exampleRef
-Topic 852
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481372/852-10-55-10

Reference 8: http://www.xbrl.org/2003/role/exampleRef
-Topic 946
-SubTopic 830
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479168/946-830-55-12

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-04(19))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SX 210.6-05(4))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479170/946-210-S99-2

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 3
-Subparagraph (SX 210.6-09(4)(b))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 3
-Subparagraph (SX 210.6-09(6))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 3
-Subparagraph (SX 210.6-09(7))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3

Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(g)(1)(ii))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 323
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481687/323-10-50-3

Reference 16: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SAB Topic 4.E)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480418/310-10-S99-2

+ Details

INVESTMENT SECURITIES - Classified (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Investment securities available for sale
Amortized cost	$ 1,685,418	$ 1,602,810
Gross unrealized gains	4,683	5,328
Gross unrealized losses	(97,546)	(85,137)
Fair value	1,592,555	1,523,001
Adjustments	(900)	(2,300)
U.S. government sponsored entities and U.S. agency securities
Investment securities available for sale
Amortized cost	25,381	20,744
Gross unrealized gains	18	7
Gross unrealized losses	(180)	(928)
Fair value	25,219	19,823
Mortgage-backed securities - agency
Investment securities available for sale
Amortized cost	1,337,062	1,265,954
Gross unrealized gains	2,964	3,272
Gross unrealized losses	(87,975)	(75,476)
Fair value	1,252,051	1,193,750
Mortgage-backed securities - non-agency
Investment securities available for sale
Amortized cost	84,099	97,921
Gross unrealized gains	1,364	1,499
Gross unrealized losses	(2,461)	(2,331)
Fair value	83,002	97,089
Asset-backed student loans
Investment securities available for sale
Amortized cost	20,484	34,262
Gross unrealized gains	9	39
Gross unrealized losses	(119)	(86)
Fair value	20,374	34,215
State and municipal securities
Investment securities available for sale
Amortized cost	75,981	77,054
Gross unrealized gains	259	388
Gross unrealized losses	(4,586)	(3,984)
Fair value	71,654	73,458
Collateralized loan obligations
Investment securities available for sale
Amortized cost	84,865	46,800
Gross unrealized gains	0	54
Gross unrealized losses	(288)	0
Fair value	84,577	46,854
Corporate securities
Investment securities available for sale
Amortized cost	57,546	60,075
Gross unrealized gains	69	69
Gross unrealized losses	(1,937)	(2,332)
Fair value	$ 55,678	$ 57,812

DERIVATIVE INSTRUMENTS (Tables)

3 Months Ended

Mar. 31, 2026

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Schedule of Derivative Instruments in Statement of Financial Position

Notional amounts are reference amounts from which contractual obligations are derived and are not recorded on the balance sheet. In our view, derivative notional is not an accurate measure of our derivative exposure when viewed in isolation from other factors, such as market rate fluctuations and counterparty credit risk.


	March 31, 2026						December 31, 2025
	Fair Value						Fair Value
(dollars in thousands)	Assets		Liabilities		Notional amount		Assets		Liabilities		Notional amount
Derivatives designated as accounting hedges:
Interest rate contracts
Fair value hedges
Investment securities available for sale	$	952	$	1,901	$	187,798	$	608	$	2,901	$	228,157
Cash flow hedges
Investment securities available for sale	659		—		90,000		754		—		90,000
Pools of commercial and commercial real estate loans	1,297		999		225,000		1,528		1,180		300,000
FHLB advances, brokered CDs and other borrowings	186		9		100,000		29		502		125,000
Total derivatives designated as accounting hedges	$	3,094	$	2,909	$	602,798	$	2,919	$	4,583	$	743,157
Derivatives not designated as accounting hedges:
Interest rate contracts
Swaps	$	233	$	233	$	52,199	$	395	$	395	$	52,637
Interest rate lock commitments	175		—		9,830		137		—		4,594
Forward commitments to sell mortgage-backed securities	150		—		11,630		—		21		9,179
Total derivatives not designated as accounting hedges	$	558	$	233	$	73,659	$	532	$	416	$	66,410

The following table presents amounts recorded in the consolidated balance sheets related to cumulative basis adjustments for fair value hedges:


	Carrying amount of the hedged items				Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged items
(dollars in thousands)	March 31, 2026		December 31, 2025		March 31, 2026		December 31, 2025

Investment securities available for sale	$	172,154	$	352,968	$	(949)	$	(2,293)

Schedule of Derivative Instruments, Gain (Loss)

The following table summarizes the effect of derivative instruments in fair value hedging relationships on the consolidated statements of income:


	Location of gain (loss) recognized in income on derivative	Gain (loss) recognized in income on derivative				Location of gain (loss) recognized in income on related hedged item	Gain (loss) recognized in income on related hedged items
(dollars in thousands)		2026		2025			2026		2025
Three Months Ended March 31,
Gain (loss) on fair value hedging relationships
Interest rate contracts
Fixed-rate mortgage-backed securities	Interest income on investment securities available for sale	$	1,343	$	(3,486)	Interest income on investment securities available for sale	$	(1,159)	$	3,491

The following table summarizes the effect of derivative instruments in cash flow hedging relationships on the consolidated statements of income:


	Gain (loss) recognized in AOCI on derivative				Location of gain (loss) recognized in income on derivative		Gain (loss) reclassified from AOCI into income
(dollars in thousands)	2026		2025					2026		2025
Three Months Ended March 31,
Gain (loss) on cash flow hedging relationships
Interest rate contracts
Pools of commercial and commercial real estate loans	$	(50)	$	1,117		Interest income on loans		$	109	$	(1,005)
Investment securities available for sale	(95)		446			Interest income on investment securities		54		28
FHLB advances, brokered CDs and other borrowings	650		(699)			Interest expense		30		140
FHLB advances, brokered CDs and other borrowings	—		—			Noninterest expense		(154)		—
Total gain (loss) on cash flow hedging relationships	$	505	$	864				$	39	$	(837)

The following table summarizes the effect of derivative instruments not designated as accounting hedges on the consolidated statements of income:



(dollars in thousands)	Location of gain recognized in income on derivative	2026		2025
Three Months Ended March 31,
Gain on derivative instruments not designated as accounting hedges
Interest rate contracts	Residential mortgage banking revenue	$	209	$	70

Total gain on derivative instruments not designated as accounting hedges		$	209	$	70

SHORT-TERM BORROWINGS - Narrative (Details) - USD ($) $ in Millions	3 Months Ended		12 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Short-term Debt [Line Items]
Weighted-average interest rate on securities sold under agreements to repurchase	0.25%		0.26%
Collateralized agreements	$ 10.1		$ 12.2
Minimum \| Repurchase Agreement
Short-term Debt [Line Items]
Daily average interest rate	3.68%	3.695%
Maximum \| Repurchase Agreement
Short-term Debt [Line Items]
Daily average interest rate	3.695%	3.74%

FAIR VALUE OF FINANCIAL INSTRUMENTS - Carrying values and fair value (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Assets
Accrued interest receivable	$ 25,875	$ 23,824
Liabilities
Trust preferred debentures	52,035	51,857
Level 1
Assets
Cash and due from banks	113,024	127,279
Federal funds sold	634	532
Loans, net	0	0
Accrued interest receivable	0	0
Liabilities
Deposits	0	0
Short-term borrowings	145,000	50,000
FHLB and other borrowings	0	0
Subordinated debt	0	0
Trust preferred debentures	0	0
Level 2
Assets
Cash and due from banks	0	0
Federal funds sold	0	0
Loans, net	0	0
Accrued interest receivable	25,875	23,824
Liabilities
Deposits	5,434,700	5,421,497
Short-term borrowings	8,425	10,181
FHLB and other borrowings	238,341	295,047
Subordinated debt	22,948	23,005
Trust preferred debentures	48,478	48,626
Level 3
Assets
Cash and due from banks	0	0
Federal funds sold	0	0
Loans, net	4,163,576	4,229,483
Accrued interest receivable	0	0
Liabilities
Deposits	0	0
Short-term borrowings	0	0
FHLB and other borrowings	0	0
Subordinated debt	0	0
Trust preferred debentures	0	0
Carrying amount
Assets
Cash and due from banks	113,024	127,279
Federal funds sold	634	532
Loans, net	4,270,698	4,282,785
Accrued interest receivable	25,875	23,824
Liabilities
Deposits	5,440,067	5,424,379
Short-term borrowings	153,425	60,181
FHLB and other borrowings	238,000	293,000
Subordinated debt	27,024	27,019
Trust preferred debentures	52,035	51,857
Fair value
Assets
Cash and due from banks	113,024	127,279
Federal funds sold	634	532
Loans, net	4,163,576	4,229,483
Accrued interest receivable	25,875	23,824
Liabilities
Deposits	5,434,700	5,421,497
Short-term borrowings	153,425	60,181
FHLB and other borrowings	238,341	295,047
Subordinated debt	22,948	23,005
Trust preferred debentures	$ 48,478	$ 48,626

FHLB ADVANCES - Summary of FHLB Advances (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances	$ 238,000	$ 293,000
FHLB advances, collateral for mortgage and home equity line of credit loans	2,770,000	2,870,000
Line of credit facility, maximum borrowing capacity	870,000
Midland States Bank \| Fixed rate fixed term maturing October 2029
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances	$ 113,000	$ 168,000
Interest rate	3.97%	4.08%
Midland States Bank \| Putable fixed rate maturing July 2034
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances	$ 125,000	$ 125,000
Interest rate	3.68%	4.00%

PREMISES, EQUIPMENT AND LEASES - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Property, Plant and Equipment [Line Items]
Depreciation on premises and equipment	$ 1,217	$ 1,238
Renewal term of lease (in years)	10 years
Operating lease right-of-use asset	$ 7,800		$ 8,100
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Premises and equipment, net		Premises and equipment, net
Total operating lease liabilities	$ 8,983		$ 9,300
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Accrued interest payable and other liabilities		Accrued interest payable and other liabilities
Minimum
Property, Plant and Equipment [Line Items]
Remaining lease terms	5 months
Maximum
Property, Plant and Equipment [Line Items]
Remaining lease terms	12 years

DEPOSITS

3 Months Ended

Mar. 31, 2026

Deposits [Abstract]

DEPOSITS

The following table summarizes the classification of deposits as of March 31, 2026 and December 31, 2025:


(dollars in thousands)	March 31, 2026		December 31, 2025
Noninterest-bearing demand	$	1,013,808	$	1,040,411
Interest-bearing:
Checking	1,886,212		1,855,215
Money market	1,295,781		1,248,942
Savings	495,899		487,742
Time	748,367		792,069
Total deposits	$	5,440,067	$	5,424,379

CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY — (UNAUDITED) - USD ($) $ in Thousands	Total	Common stock	Preferred stock	Capital surplus	Retained earnings	Accumulated other comprehensive income (loss)
Beginning Balance (in shares) at Dec. 31, 2024		21,494,485
Beginning Balance at Dec. 31, 2024	$ 710,847	$ 215	$ 110,548	$ 434,346	$ 247,698	$ (81,960)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	(140,974)				(140,974)
Other comprehensive (loss) income	9,621					9,621
Common dividends declared	(6,782)				(6,782)
Preferred dividends declared	(2,228)				(2,228)
Share-based compensation expense	784			784
Issuance of common stock under employee benefit plans (in shares)		8,551
Issuance of common stock under employee benefit plans	169			169
Ending Balance (in shares) at Mar. 31, 2025		21,503,036
Ending Balance at Mar. 31, 2025	$ 571,437	$ 215	110,548	435,299	97,714	(72,339)
Beginning Balance (in shares) at Dec. 31, 2025	21,169,854	21,169,854
Beginning Balance at Dec. 31, 2025	$ 565,499	$ 212	110,548	428,247	86,825	(60,333)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	18,463				18,463
Other comprehensive (loss) income	(9,249)					(9,249)
Common dividends declared	(6,889)				(6,889)
Preferred dividends declared	(2,228)				(2,228)
Common stock repurchased (in shares)		(365,507)
Common stock repurchased	(7,924)	$ (4)		(7,920)
Share-based compensation expense	939			939
Issuance of common stock under employee benefit plans (in shares)		9,628
Issuance of common stock under employee benefit plans	$ 343			343
Ending Balance (in shares) at Mar. 31, 2026	20,813,975	20,813,975
Ending Balance at Mar. 31, 2026	$ 558,954	$ 208	$ 110,548	$ 421,609	$ 96,171	$ (69,582)

PREMISES, EQUIPMENT AND LEASES

3 Months Ended

Mar. 31, 2026

Property, Plant and Equipment [Abstract]

PREMISES, EQUIPMENT AND LEASES

A summary of premises, equipment and leases at March 31, 2026 and December 31, 2025 is as follows:


	March 31,		December 31,
(dollars in thousands)	2026		2025
Land	$	15,856	$	15,856
Buildings and improvements	86,866		86,429
Furniture and equipment	38,444		38,303
Lease right-of-use assets	7,757		8,117
Total	148,923		148,705
Accumulated depreciation	(64,754)		(63,571)
Premises and equipment, net	$	84,169	$	85,134

Depreciation expense in each of the three months ended March 31, 2026 and 2025 was $1.2 million.

The Company has entered into operating leases, primarily for banking offices, operating facilities and ATMs, which have remaining lease terms of 5 months to 12 years, some of which may include options to extend the lease terms for up to an additional 10 years. The options to extend are included in the remaining lease term if they are reasonably certain to be exercised. The Company had operating lease right-of-use assets of $7.8 million and $8.1 million as of March 31, 2026 and December 31, 2025, respectively, included in premises and equipment, net on our consolidated balance sheets. The operating lease liabilities of the Company were $9.0 million and $9.3 million as of March 31, 2026 and December 31, 2025, respectively, and are included in accrued interest payable and other liabilities on our consolidated balance sheets.

Information related to operating leases for the three months ended March 31, 2026 and 2025 was as follows:


	Three Months Ended March 31,
(dollars in thousands)		2026			2025
Operating lease cost		$	481		$	498
Operating cash flows from leases		503			518
Right-of-use assets obtained in exchange for lease obligations		36			837

Weighted average remaining lease term		5.9 years			6.7 years
Weighted average discount rate		3.72		%	3.72		%

The projected minimum rental payments under the terms of the leases as of March 31, 2026 were as follows:


(dollars in thousands)	Amount
Year ending December 31:
2026 remaining	$	1,363
2027	1,908
2028	1,855
2029	1,655
2030	1,073
Thereafter	2,190
Total future minimum lease payments	10,044
Less imputed interest	(1,061)
Total operating lease liabilities	$	8,983

SUBORDINATED DEBT

3 Months Ended

Mar. 31, 2026

Subordinated Borrowings [Abstract]

SUBORDINATED DEBT

The following table summarizes the Company’s subordinated debt at March 31, 2026 and December 31, 2025:

Subordinated debt

Fixed to Float

(dollars in thousands)

Issued September 2019

At March 31, 2026

Outstanding amount

27,250

Carrying amount

27,024

Current rate

5.50

At December 31, 2025

Outstanding amount

27,250

Carrying amount

27,019

Current rate

5.50

Maturity date

9/30/2034

Optional redemption date

9/30/2029

Fixed to variable conversion date

9/30/2029

Variable rate

3-month SOFR plus 4.05%

Interest payment terms

Semiannually through 9/30/2029; Quarterly for all subsequent periods

The value of subordinated debentures has been reduced by the debt issuance costs, which are being amortized on a straight line basis through the earlier of the redemption option or maturity date. The subordinated debentures above may be included in Tier 2 capital (with certain limitations applicable) under current regulatory guidelines and interpretations.

DEPOSITS - Summary of Classification of Deposits (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Classification of deposits
Noninterest-bearing demand	$ 1,013,808	$ 1,040,411
Interest-bearing:
Checking	1,886,212	1,855,215
Money market	1,295,781	1,248,942
Savings	495,899	487,742
Time	748,367	792,069
Total deposits	$ 5,440,067	$ 5,424,379

LOANS - Aging Status of Recorded Investment (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Aging Status of recorded investment
Loans	$ 4,338,573	$ 4,352,004
Nonaccrual	54,158	60,939
Nonperforming
Aging Status of recorded investment
Nonaccrual	54,158	60,939
Current \| Performing
Aging Status of recorded investment
Loans	4,259,516	4,269,442
30-59 days past due \| Performing
Aging Status of recorded investment
Loans	17,688	12,651
60-89 days past due \| Performing
Aging Status of recorded investment
Loans	2,578	4,428
Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	4,633	4,544
Total past due \| Performing
Aging Status of recorded investment
Loans	24,899	21,623
Commercial Loan Portfolio
Aging Status of recorded investment
Loans	3,815,178	3,807,325
Nonaccrual	49,528	55,904
Commercial Loan Portfolio \| Nonperforming
Aging Status of recorded investment
Nonaccrual	49,528	55,904
Commercial Loan Portfolio \| Current \| Performing
Aging Status of recorded investment
Loans	3,745,274	3,732,756
Commercial Loan Portfolio \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	14,464	10,761
Commercial Loan Portfolio \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	1,418	3,395
Commercial Loan Portfolio \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	4,494	4,509
Commercial Loan Portfolio \| Total past due \| Performing
Aging Status of recorded investment
Loans	20,376	18,665
Commercial Loan Portfolio \| Commercial
Aging Status of recorded investment
Loans	1,109,478	1,062,691
Nonaccrual	7,042	7,219
Commercial Loan Portfolio \| Commercial \| Nonperforming
Aging Status of recorded investment
Nonaccrual	7,042	7,219
Commercial Loan Portfolio \| Commercial \| Current \| Performing
Aging Status of recorded investment
Loans	1,098,490	1,053,096
Commercial Loan Portfolio \| Commercial \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	3,919	2,035
Commercial Loan Portfolio \| Commercial \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	27	341
Commercial Loan Portfolio \| Commercial \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	0
Commercial Loan Portfolio \| Commercial \| Total past due \| Performing
Aging Status of recorded investment
Loans	3,946	2,376
Commercial Loan Portfolio \| Commercial other
Aging Status of recorded investment
Loans	107,033	115,830
Nonaccrual	2,504	3,197
Commercial Loan Portfolio \| Commercial other \| Nonperforming
Aging Status of recorded investment
Nonaccrual	2,504	3,197
Commercial Loan Portfolio \| Commercial other \| Current \| Performing
Aging Status of recorded investment
Loans	94,049	101,686
Commercial Loan Portfolio \| Commercial other \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	5,239	4,113
Commercial Loan Portfolio \| Commercial other \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	747	2,325
Commercial Loan Portfolio \| Commercial other \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	4,494	4,509
Commercial Loan Portfolio \| Commercial other \| Total past due \| Performing
Aging Status of recorded investment
Loans	10,480	10,947
Commercial Loan Portfolio \| Commercial real estate non-owner occupied
Aging Status of recorded investment
Loans	1,419,542	1,447,894
Nonaccrual	11,105	15,084
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Nonperforming
Aging Status of recorded investment
Nonaccrual	11,105	15,084
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Current \| Performing
Aging Status of recorded investment
Loans	1,408,265	1,432,637
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	172	173
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	0	0
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	0
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Total past due \| Performing
Aging Status of recorded investment
Loans	172	173
Commercial Loan Portfolio \| Commercial real estate owner occupied
Aging Status of recorded investment
Loans	461,699	444,443
Nonaccrual	12,217	12,139
Commercial Loan Portfolio \| Commercial real estate owner occupied \| Nonperforming
Aging Status of recorded investment
Nonaccrual	12,217	12,139
Commercial Loan Portfolio \| Commercial real estate owner occupied \| Current \| Performing
Aging Status of recorded investment
Loans	448,994	430,972
Commercial Loan Portfolio \| Commercial real estate owner occupied \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	0	701
Commercial Loan Portfolio \| Commercial real estate owner occupied \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	488	631
Commercial Loan Portfolio \| Commercial real estate owner occupied \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	0
Commercial Loan Portfolio \| Commercial real estate owner occupied \| Total past due \| Performing
Aging Status of recorded investment
Loans	488	1,332
Commercial Loan Portfolio \| Multi-family
Aging Status of recorded investment
Loans	376,242	383,377
Nonaccrual	15,258	16,448
Commercial Loan Portfolio \| Multi-family \| Nonperforming
Aging Status of recorded investment
Nonaccrual	15,258	16,448
Commercial Loan Portfolio \| Multi-family \| Current \| Performing
Aging Status of recorded investment
Loans	355,871	366,929
Commercial Loan Portfolio \| Multi-family \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	5,113	0
Commercial Loan Portfolio \| Multi-family \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	0	0
Commercial Loan Portfolio \| Multi-family \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	0
Commercial Loan Portfolio \| Multi-family \| Total past due \| Performing
Aging Status of recorded investment
Loans	5,113	0
Commercial Loan Portfolio \| Farmland
Aging Status of recorded investment
Loans	64,715	66,950
Nonaccrual	1,402	1,662
Commercial Loan Portfolio \| Farmland \| Nonperforming
Aging Status of recorded investment
Nonaccrual	1,402	1,662
Commercial Loan Portfolio \| Farmland \| Current \| Performing
Aging Status of recorded investment
Loans	63,136	65,267
Commercial Loan Portfolio \| Farmland \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	21	21
Commercial Loan Portfolio \| Farmland \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	156	0
Commercial Loan Portfolio \| Farmland \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	0
Commercial Loan Portfolio \| Farmland \| Total past due \| Performing
Aging Status of recorded investment
Loans	177	21
Commercial Loan Portfolio \| Construction and land development
Aging Status of recorded investment
Loans	276,469	286,140
Nonaccrual	0	155
Commercial Loan Portfolio \| Construction and land development \| Nonperforming
Aging Status of recorded investment
Nonaccrual	0	155
Commercial Loan Portfolio \| Construction and land development \| Current \| Performing
Aging Status of recorded investment
Loans	276,469	282,169
Commercial Loan Portfolio \| Construction and land development \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	0	3,718
Commercial Loan Portfolio \| Construction and land development \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	0	98
Commercial Loan Portfolio \| Construction and land development \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	0
Commercial Loan Portfolio \| Construction and land development \| Total past due \| Performing
Aging Status of recorded investment
Loans	0	3,816
Residential loans held for sale \| Residential first lien
Aging Status of recorded investment
Loans	280,205	286,178
Nonaccrual	3,266	3,400
Residential loans held for sale \| Residential first lien \| Performing
Aging Status of recorded investment
Loans	276,940	282,742
Residential loans held for sale \| Residential first lien \| Nonperforming
Aging Status of recorded investment
Loans	3,265	3,436
Nonaccrual	3,266	3,400
Residential loans held for sale \| Residential first lien \| Current \| Performing
Aging Status of recorded investment
Loans	275,596	282,320
Residential loans held for sale \| Residential first lien \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	1,328	22
Residential loans held for sale \| Residential first lien \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	15	401
Residential loans held for sale \| Residential first lien \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	35
Residential loans held for sale \| Residential first lien \| Total past due \| Performing
Aging Status of recorded investment
Loans	1,343	458
Residential loans held for sale \| Other residential
Aging Status of recorded investment
Loans	64,306	63,445
Nonaccrual	613	426
Residential loans held for sale \| Other residential \| Performing
Aging Status of recorded investment
Loans	63,692	63,020
Residential loans held for sale \| Other residential \| Nonperforming
Aging Status of recorded investment
Loans	614	425
Nonaccrual	613	426
Residential loans held for sale \| Other residential \| Current \| Performing
Aging Status of recorded investment
Loans	63,312	62,459
Residential loans held for sale \| Other residential \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	110	450
Residential loans held for sale \| Other residential \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	271	110
Residential loans held for sale \| Other residential \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	0
Residential loans held for sale \| Other residential \| Total past due \| Performing
Aging Status of recorded investment
Loans	381	560
Consumer \| Consumer
Aging Status of recorded investment
Loans	93,332	99,692
Nonaccrual	77	47
Consumer \| Consumer \| Performing
Aging Status of recorded investment
Loans	93,255	99,645
Consumer \| Consumer \| Nonperforming
Aging Status of recorded investment
Loans	77	47
Nonaccrual	77	47
Consumer \| Consumer \| Current \| Performing
Aging Status of recorded investment
Loans	93,055	99,474
Consumer \| Consumer \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	143	153
Consumer \| Consumer \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	57	18
Consumer \| Consumer \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	0
Consumer \| Consumer \| Total past due \| Performing
Aging Status of recorded investment
Loans	200	171
Consumer \| Consumer other
Aging Status of recorded investment
Loans	41,749	44,383
Consumer \| Consumer other \| Performing
Aging Status of recorded investment
Loans	41,749	44,383
Consumer \| Consumer other \| Nonperforming
Aging Status of recorded investment
Loans	0	0
Nonaccrual	0	0
Consumer \| Consumer other \| Current \| Performing
Aging Status of recorded investment
Loans	41,270	43,618
Consumer \| Consumer other \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	376	320
Consumer \| Consumer other \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	103	445
Consumer \| Consumer other \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	0
Consumer \| Consumer other \| Total past due \| Performing
Aging Status of recorded investment
Loans	479	765
Lease financing
Aging Status of recorded investment
Loans	43,803	50,981
Nonaccrual	674	1,162
Lease financing \| Performing
Aging Status of recorded investment
Loans	42,990	49,819
Lease financing \| Nonperforming
Aging Status of recorded investment
Loans	813	1,162
Nonaccrual	674	1,162
Lease financing \| Current \| Performing
Aging Status of recorded investment
Loans	41,009	48,815
Lease financing \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	1,267	945
Lease financing \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	714	59
Lease financing \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	139	0
Lease financing \| Total past due \| Performing
Aging Status of recorded investment
Loans	$ 2,120	$ 1,004

LOANS - Loan Restructuring (Details) $ in Thousands	3 Months Ended
LOANS - Loan Restructuring (Details) $ in Thousands	Mar. 31, 2026 USD ($) loan	Mar. 31, 2025 USD ($) loan
Summary of loans
Balance \| $	$ 10,506	$ 1,440
Count \| loan	4	7
Commercial Loan Portfolio
Summary of loans
Balance \| $	$ 10,469	$ 1,279
Count \| loan	3	3
Commercial Loan Portfolio \| Commercial
Summary of loans
Balance \| $	$ 1,369	$ 973
Count \| loan	1	1
Commercial Loan Portfolio \| Commercial other
Summary of loans
Balance \| $	$ 0	$ 306
Count \| loan	0	2
Commercial Loan Portfolio \| Farmland
Summary of loans
Balance \| $	$ 100	$ 0
Count \| loan	1	0
Commercial Loan Portfolio \| Construction and land development
Summary of loans
Balance \| $	$ 9,000	$ 0
Count \| loan	1	0
Residential loans held for sale \| Residential first lien
Summary of loans
Balance \| $	$ 37	$ 150
Count \| loan	1	3
Residential loans held for sale \| Other residential
Summary of loans
Balance \| $	$ 0	$ 11
Count \| loan	0	1

LOANS

3 Months Ended

Mar. 31, 2026

Receivables [Abstract]

LOANS

The following table presents total loans outstanding by portfolio class, as of March 31, 2026 and December 31, 2025:


(dollars in thousands)	March 31, 2026		December 31, 2025
Commercial:
Commercial	$	1,109,478	$	1,062,691
Commercial other	107,033		115,830
Commercial real estate:
Commercial real estate non-owner occupied	1,419,542		1,447,894
Commercial real estate owner occupied	461,699		444,443
Multi-family	376,242		383,377
Farmland	64,715		66,950
Construction and land development	276,469		286,140
Total commercial loans	3,815,178		3,807,325
Residential real estate:
Residential first lien	280,205		286,178
Other residential	64,306		63,445
Consumer:
Consumer	93,332		99,692
Consumer other	41,749		44,383
Lease financing	43,803		50,981
Total loans	$	4,338,573	$	4,352,004

Total loans included net deferred loan fees of $8.4 million and $8.2 million at March 31, 2026 and December 31, 2025, respectively, and unearned discounts of $3.9 million and $4.7 million within the lease financing portfolio at March 31, 2026 and December 31, 2025, respectively.

Classifications of Loan Portfolio

The Company monitors and assesses the credit risk of its loan portfolio using the classes set forth below. These classes also represent the segments by which the Company monitors the performance of its loan portfolio and estimates its allowance for credit losses on loans.

Commercial—Loans to varying types of businesses, including municipalities, school districts and nonprofit organizations, for the purpose of supporting working capital, operational needs and term financing of equipment. Repayment of such loans is generally provided through operating cash flows of the business. Commercial loans are predominately secured by equipment, inventory, accounts receivable, and other sources of repayment.

Commercial real estate—Loans secured by real estate occupied by the borrower for ongoing operations, including loans to borrowers engaged in agricultural production, and non-owner occupied real estate leased to one or more tenants, including commercial office, industrial, special purpose, retail and multi-family residential real estate loans.

Construction and land development—Secured loans for the construction of business and residential properties. Real estate construction loans often convert to a real estate commercial loan at the completion of the construction period. Secured development loans are made to borrowers for the purpose of infrastructure improvements to vacant land to create finished marketable residential and commercial lots/land. Most land development loans are originated with the intention that the loans will be paid through the sale of developed lots/land by the developers within twelve months of the completion date. Interest reserves may be established on real estate construction loans.

Residential real estate—Loans secured by residential properties that generally do not qualify for secondary market sale; however, the risk to return and/or overall relationship are considered acceptable to the Company. This category also includes loans whereby consumers utilize equity in their personal residence, generally through a second mortgage, as collateral to secure the loan.

Consumer—Loans to consumers primarily for the purpose of home improvements or acquiring automobiles, recreational vehicles and boats. Consumer loans consist of relatively small amounts that are spread across many individual borrowers.

Lease financing—Our leasing business historically provided financing leases to varying types of businesses, nationwide, for purchases of business equipment. The financing is secured by a first priority interest in the financed assets and generally requires monthly payments. We ceased originating new equipment financing leases and loans effective September 30, 2025 and sold substantially all of our equipment finance portfolio during the fourth quarter of 2025.

Commercial, commercial real estate, and construction and land development loans are collectively referred to as the Company’s commercial loan portfolio, while residential real estate, consumer loans and lease financing receivables are collectively referred to as the Company’s other loan portfolio.

We have extended loans to certain of our directors, executive officers, principal shareholders and their affiliates. These loans were made in the ordinary course of business upon substantially the same terms as comparable transactions with non-insiders, including collateralization and interest rates prevailing at the time. The new loans, other additions, repayments and other reductions for the three months ended March 31, 2026 and 2025, are summarized as follows:


	Three Months Ended March 31,
(dollars in thousands)		2026		2025
Beginning balance		$	46,999	$	40,410
New loans and other additions		496		2,358
Repayments and other reductions		(410)		(740)
Ending balance		$	47,085	$	42,028

The following table represents, by loan portfolio segment, a summary of changes in the allowance for credit losses on loans for the three months ended March 31, 2026 and 2025:


	Commercial Loan Portfolio						Other Loan Portfolio
(dollars in thousands)	Commercial		Commercial real estate		Construction and land development		Residential real estate		Consumer		Lease financing		Total

Balances, December 31, 2025	$	23,676	$	28,284	$	2,619	$	6,652	$	4,804	$	3,184	$	69,219
Provision for credit losses on loans	2,489		3,206		(16)		(459)		137		46		5,403
Charge-offs	(2,062)		(3,838)		(35)		(65)		(896)		(737)		(7,633)
Recoveries	474		1		—		75		158		178		886
Balances, March 31, 2026	$	24,577	$	27,653	$	2,568	$	6,203	$	4,203	$	2,671	$	67,875









Balances, December 31, 2024	$	42,776	$	36,837	$	3,550	$	8,002	$	5,400	$	14,639	$	111,204
Provision for credit losses on loans	3,580		2,954		(529)		(74)		940		3,979		10,850
Charge-offs	(13,300)		(723)		—		(72)		(453)		(3,448)		(17,996)
Recoveries	498		1		—		18		48		553		1,118
Balances, March 31, 2025	$	33,554	$	39,069	$	3,021	$	7,874	$	5,935	$	15,723	$	105,176

The Company utilizes a combination of models which measure probability of default and loss given default in determining expected future credit losses.

The probability of default is the risk that the borrower will be unable or unwilling to repay its debt in full or on time. The risk of default is derived by analyzing the obligor’s capacity to repay the debt in accordance with contractual terms. Probability of default is generally associated with financial characteristics such as inadequate cash flow to service debt, declining revenues or operating margins, high leverage, declining or marginal liquidity, and the inability to successfully implement a business plan. In addition to these quantifiable factors, the borrower’s willingness to repay also must be evaluated.

The probability of default is forecasted, for most commercial and retail loans, using a regression model that determines the likelihood of default within the twelve month time horizon. The regression model uses forward-looking economic forecasts including variables such as gross domestic product, housing price index, and real disposable income to predict default rates.

The loss given default component is the percentage of defaulted loan balance that is ultimately charged off. As a method for estimating the allowance, a form of migration analysis is used that combines the estimated probability of loans experiencing default events and the losses ultimately associated with the loans experiencing those defaults. Multiplying one by the other gives the Company its loss rate, which is then applied to the loan portfolio balance to determine expected future losses.

Within the model, the loss given default approach produces segmented loss given default estimates using a loss curve methodology, which is based on historical net losses from charge-off and recovery information. The main principle of a loss curve model is that the loss follows a steady timing schedule based on how long the defaulted loan has been on the books.

The Company’s expected loss estimate is anchored in historical credit loss experience, with an emphasis on all available portfolio data. The Company’s historical look-back period includes January 2012 through the current period on a monthly basis. When historical credit loss experience is not sufficient for a specific portfolio, the Company may supplement its own portfolio data with external models or data.

Historical data is evaluated in multiple components of the expected credit loss, including a reasonable and supportable forecast and the post-reversion period of each loan segment. The historical experience is used to infer probability of default and loss given default in the reasonable and supportable forecast period. In the post-reversion period, long-term average loss rates are segmented by loan pool.

Qualitative reserves reflect management’s overall estimate of the extent to which current expected credit losses on collectively evaluated loans will differ from historical loss experience. The analysis takes into consideration other analytics performed within the organization, such as enterprise and concentration management, along with other credit-related analytics as deemed appropriate. Management attempts to quantify qualitative reserves whenever possible.

The Company segments the loan portfolio into pools based on the following risk characteristics: financial asset type, collateral type, loan characteristics, credit characteristics, outstanding loan balances, contractual terms and prepayment assumptions, industry of borrower and concentrations, historical or expected credit loss patterns, and reasonable and supportable forecast periods. Within the probability of default segmentation, credit metrics are identified to further segment the financial assets. The Company utilizes risk ratings for the commercial portfolios and days past due for the consumer and the lease financing portfolios.

The Company has defined five transitioning risk states for each asset pool within the expected credit loss model. The below table illustrates the transition matrix:


Risk state	Commercial loans risk rating	Consumer loans and equipment finance loans and leases days past due
1	0-5	0-14
2	6	15-29
3	7	30-59
4	8	60-89
Default	9+ and nonaccrual	90+ and nonaccrual

Expected Credit Losses

In calculating expected credit losses, the Company individually evaluates loans on nonaccrual status, loans past due 90 days or more and still accruing interest, and loans that do not share similar risk characteristics with other loans in the pool.

The following table presents the amortized cost basis of individually evaluated loans on nonaccrual status as of March 31, 2026 and December 31, 2025:


	March 31, 2026						December 31, 2025
(dollars in thousands)	Nonaccrual with allowance		Nonaccrual with no allowance		Total nonaccrual		Nonaccrual with allowance		Nonaccrual with no allowance		Total nonaccrual
Commercial:
Commercial	$	3,192	$	3,850	$	7,042	$	3,370	$	3,849	$	7,219
Commercial other	1,203		1,301		2,504		1,040		2,157		3,197
Commercial real estate:
Commercial real estate non-owner occupied	11,100		5		11,105		1,537		13,547		15,084
Commercial real estate owner occupied	3,533		8,684		12,217		3,455		8,684		12,139
Multi-family	—		15,258		15,258		14,336		2,112		16,448
Farmland	1,148		254		1,402		1,260		402		1,662
Construction and land development	—		—		—		155		—		155
Total commercial loans	20,176		29,352		49,528		25,153		30,751		55,904
Residential real estate:
Residential first lien	3,011		255		3,266		3,087		313		3,400
Other residential	613		—		613		426		—		426
Consumer:
Consumer	77		—		77		47		—		47

Lease financing	674		—		674		1,162		—		1,162
Total loans	$	24,551	$	29,607	$	54,158	$	29,875	$	31,064	$	60,939

There was no interest income recognized on nonaccrual loans during the three months ended March 31, 2026 and 2025 while the loans were in nonaccrual status.

Collateral Dependent Financial Assets

A collateral dependent financial asset is a loan that relies solely on the operation or sale of the collateral for repayment. In evaluating the overall risk associated with a loan, the Company considers character, overall financial condition and resources, and payment record of the borrower; the prospects for support from any financially responsible guarantors; and the nature and degree of protection provided by the cash flow and value of any underlying collateral. However, as other sources of repayment become inadequate over time, the significance of the collateral’s value increases and the loan may become collateral dependent.


	Type of Collateral
(dollars in thousands)	Real Estate		Blanket Lien		Total
March 31, 2026
Commercial:
Commercial	$	—	$	3,850	$	3,850
Commercial other	—		1,889		1,889
Commercial real estate:
Non-owner occupied	10,030		—		10,030
Owner occupied	8,576		1,595		10,171
Multi-family	15,258		—		15,258
Farmland	—		254		254





Total collateral dependent loans	$	33,864	$	7,588	$	41,452

December 31, 2025
Commercial:
Commercial	$	—	$	3,850	$	3,850
Commercial other	—		2,157		2,157
Commercial real estate:
Non-owner occupied	13,951		—		13,951
Owner occupied	8,576		1,595		10,171
Multi-family	16,448		—		16,448
Farmland	—		401		401





Total collateral dependent loans	$	38,975	$	8,003	$	46,978

The aging status of the recorded investment in loans by class as of March 31, 2026 was as follows:


	Accruing loans
(dollars in thousands)	Current		30-59 days past due		60-89 days past due		Past due 90 days or more		Total past due		Nonaccrual		Total
Commercial:
Commercial	$	1,098,490	$	3,919	$	27	$	—	$	3,946	$	7,042	$	1,109,478
Commercial other	94,049		5,239		747		4,494		10,480		2,504		107,033
Commercial real estate:
Commercial real estate non-owner occupied	1,408,265		172		—		—		172		11,105		1,419,542
Commercial real estate owner occupied	448,994		—		488		—		488		12,217		461,699
Multi-family	355,871		5,113		—		—		5,113		15,258		376,242
Farmland	63,136		21		156		—		177		1,402		64,715
Construction and land development	276,469		—		—		—		—		—		276,469
Total commercial loans	3,745,274		14,464		1,418		4,494		20,376		49,528		3,815,178
Residential real estate:
Residential first lien	275,596		1,328		15		—		1,343		3,266		280,205
Other residential	63,312		110		271		—		381		613		64,306
Consumer:
Consumer	93,055		143		57		—		200		77		93,332
Consumer other	41,270		376		103		—		479		—		41,749
Lease financing	41,009		1,267		714		139		2,120		674		43,803
Total loans	$	4,259,516	$	17,688	$	2,578	$	4,633	$	24,899	$	54,158	$	4,338,573

The aging status of the recorded investment in loans by class as of December 31, 2025 was as follows:


	Accruing loans
(dollars in thousands)	Current		30-59 days past due		60-89 days past due		Past due 90 days or more		Total past due		Nonaccrual		Total
Commercial:
Commercial	$	1,053,096	$	2,035	$	341	$	—	$	2,376	$	7,219	$	1,062,691
Commercial other	101,686		4,113		2,325		4,509		10,947		3,197		115,830
Commercial real estate:
Commercial real estate non-owner occupied	1,432,637		173		—		—		173		15,084		1,447,894
Commercial real estate owner occupied	430,972		701		631		—		1,332		12,139		444,443
Multi-family	366,929		—		—		—		—		16,448		383,377
Farmland	65,267		21		—		—		21		1,662		66,950
Construction and land development	282,169		3,718		98		—		3,816		155		286,140
Total commercial loans	3,732,756		10,761		3,395		4,509		18,665		55,904		3,807,325
Residential real estate:
Residential first lien	282,320		22		401		35		458		3,400		286,178
Other residential	62,459		450		110		—		560		426		63,445
Consumer:
Consumer	99,474		153		18		—		171		47		99,692
Consumer other	43,618		320		445		—		765		—		44,383
Lease financing	48,815		945		59		—		1,004		1,162		50,981
Total loans	$	4,269,442	$	12,651	$	4,428	$	4,544	$	21,623	$	60,939	$	4,352,004

Loan Restructurings

The Company may offer various types of concessions when a borrower is experiencing financial difficulties that result in a direct change in the timing or amount of contractual cash flows including principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions, and combinations of the listed modifications. Commercial loans modified in a loan restructuring often involve temporary interest-only payments, term extensions, and converting revolving credit lines to term loans. Additional collateral, a co-borrower, or a guarantor is often requested.

Loans modified in a loan restructuring for the Company may have the financial effect of increasing the specific allowance associated with the loan. An allowance for loans that have been modified in a loan restructuring is measured based on the probability of default and loss given default model, the loan's observable market price, or the estimated fair value of the collateral, less any selling costs, if the loan is collateral dependent. Management exercises significant judgment in developing these estimates.

Commercial and consumer loans modified in a loan restructuring are closely monitored for delinquency as an early indicator of possible future default. If loans modified in a loan restructuring subsequently default, the Company evaluates the loan for possible further loss. The allowance may be increased, adjustments may be made in the allocation of the allowance, or partial charge-offs may be taken to further write-down the carrying value of the loan.

The following table presents, by loan portfolio segment, a summary of loan restructurings for the three months ended March 31, 2026 and 2025:


	Three Months Ended March 31,
	2026			2025
(dollars in thousands)	Balance		Count	Balance		Count
Commercial:
Commercial	$	1,369	1	$	973	1
Commercial other	—		—	306		2
Commercial real estate:



Farmland	100		1	—		—
Construction and land development	9,000		1	—		—
Total commercial loans	10,469		3	1,279		3
Residential real estate:
Residential first lien	37		1	150		3
Other residential	—		—	11		1




Total loan restructurings	$	10,506	4	$	1,440	7

The following tables present a summary of loan restructurings, by loan portfolio segment and type of restructuring, for the three months ended March 31, 2026 and 2025:


For the three months ended March 31, 2026
(dollars in thousands)	Term Extension ($)		Total Modifications ($)		Total Class of Financing Receivable (%)
Commercial:
Commercial	$	1,369	$	1,369	0.12	%
Commercial other	—		—		—
Commercial real estate:



Farmland	100		100		0.15
Construction & land development	9,000		9,000		3.26
Total commercial loans	$	10,469	$	10,469	0.27	%
Residential real estate:
Residential first lien	37		37		0.01
Other residential	—		—		—




Total	$	10,506	$	10,506	0.24	%


For the three months ended March 31, 2025
(dollars in thousands)	Term Extension ($)		Interest Rate Reduction ($)		Total Modifications ($)		Total Class of Financing Receivable (%)
Commercial:
Commercial	$	973	$	—	$	973	0.09	%
Commercial other	—		306		306		0.26
Commercial real estate:



Farmland	—		—		—		—
Construction & land development	—		—		—		—
Total commercial loans	$	973	$	306	$	1,279	0.03	%
Residential real estate:
Residential first lien	150		—		150		0.05
Other residential	11		—		11		0.02




Total	$	1,134	$	306	$	1,440	0.03	%

The Company has not committed to lend any additional amounts to the borrowers that have been granted a loan modification.

The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of our modification efforts. The following table presents the performance of such loans that have been modified in the last twelve months as of March 31, 2026:


(dollars in thousands)	30-59 days past due		60-89 days past due		Past due 90 days or more		Total past due		Current		Total
Commercial:
Commercial	$	—	$	—	$	—	$	—	$	12,158	$	12,158
Commercial other	169		—		—		169		—		169
Commercial real estate:
Commercial real estate non-owner occupied	—		—		—		—		19,864		19,864


Farmland	221		—		—		221		100		321
Construction and land development	—		—		—		—		10,589		10,589
Total commercial loans	390		—		—		390		42,711		43,101
Residential real estate:
Residential first lien	—		—		—		—		78		78
Other residential	—		—		—		—		—		—




Total loan restructurings	$	390	$	—	$	—	$	390	$	42,789	$	43,179

The following table presents the performance of such loans that have been modified in the last twelve months as of December 31, 2025:


(dollars in thousands)	30-59 days past due		60-89 days past due		Past due 90 days or more		Total past due		Current		Total
Commercial:
Commercial	$	—	$	—	$	—	$	—	$	12,033	$	12,033
Commercial other	—		—		—		—		552		552
Commercial real estate:
Commercial real estate non-owner occupied	—		—		—		—		20,013		20,013


Farmland	—		—		—		—		380		380
Construction and land development	—		—		—		—		1,588		1,588
Total commercial loans	—		—		—		—		34,566		34,566
Residential real estate:
Residential first lien	—		5		2		7		178		185
Other residential	—		—		—		—		9		9




Total loan restructurings	$	—	$	5	$	2	$	7	$	34,753	$	34,760

Credit Quality Monitoring

The Company maintains loan policies and credit underwriting standards as part of the process of managing credit risk. These standards include making loans generally within the Company’s four geographic regions. In addition, our specialty finance division does nationwide bridge lending for FHA and HUD developments and originates loans for multifamily, assisted and senior living and multi-use properties. Our equipment leasing business historically provided financing to business customers across the country.

The Company has a loan approval process involving underwriting and individual and group loan approval authorities to consider credit quality and loss exposure at loan origination. The loans in the Company’s commercial loan portfolio are risk rated based on the grading system set forth below. All loan authority is based on the aggregate credit to a borrower and its related entities.

Loans in the commercial loan portfolio tend to be larger and more complex than those in the other loan portfolio, and therefore, are subject to more intensive monitoring. All loans in the commercial loan portfolio have an assigned relationship manager, and most borrowers provide periodic financial and operating information that allows the relationship managers to stay abreast of credit quality during the life of the loans. The risk ratings of loans in the commercial loan portfolio are reassessed at least annually, with loans below an acceptable risk rating reassessed more frequently and reviewed by various individuals within the Company at least quarterly.

The Company’s consumer loan portfolio is primarily comprised of both secured and unsecured loans that are relatively small and are evaluated at origination on a centralized basis against standardized underwriting criteria. The ongoing measurement of credit quality of the consumer loan portfolio is largely done on an exception basis. If payments are made on schedule, as agreed, then no further monitoring is performed. However, if delinquency occurs, the delinquent loans are turned over to the Company’s Consumer Collections Group for resolution. Credit quality for the entire consumer loan portfolio is measured by the periodic delinquency rate, nonaccrual amounts and actual losses incurred.

The Company maintains a centralized independent loan review function that monitors the approval process and ongoing asset quality of the loan portfolio, including the accuracy of loan grades. The Company also maintains an independent appraisal review function that participates in the review of all appraisals obtained by the Company.

Credit Quality Indicators

The Company uses a ten grade risk rating system to monitor the ongoing credit quality of its commercial loan portfolio. These loan grades rank the credit quality of a borrower by measuring liquidity, debt capacity, and coverage and payment behavior as shown in the borrower’s financial statements. The risk grades also measure the quality of the borrower’s management and the repayment support offered by any guarantors.

The Company considers all loans with Risk Grades 1 - 6 as acceptable credit risks and structures and manages such relationships accordingly. Periodic financial and operating data combined with regular loan officer interactions are deemed adequate to monitor borrower performance. Loans with Risk Grades of 7 are considered "watch credits" categorized as special mention and the frequency of loan officer contact and receipt of financial data is increased to stay abreast of borrower performance. Loans with Risk Grades of 8 - 10 are considered problematic and require special care. Risk Grade 8 is categorized as substandard, 9 as substandard - nonaccrual and 10 as doubtful. Further, loans with Risk Grades of 7 - 10 are managed regularly through a number of processes, procedures and committees, including oversight by a loan administration committee comprised of executive and senior management of the Company, which includes highly structured reporting of financial and operating data, intensive loan officer intervention and strategies to exit, as well as potential management by the Company's Special Assets Group. Loans not graded in the commercial loan portfolio are monitored by aging status and payment activity.

As discussed previously in Loan Restructurings, the Company does provide various types of concessions when a borrower is experiencing financial difficulties that result in a direct change in the timing or amount of contractual cash flows. Modified loans with terms at least as favorable to the lender as the terms for other customers with similar collection risks and with terms that are more than minor compared to the original terms are treated as a new loan to the borrower.

The following tables present the recorded investment of the commercial loan portfolio by risk category as of March 31, 2026 and December 31, 2025:


			March 31, 2026
			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2026		2025		2024		2023		2022		Prior		Revolving loans		Total
Commercial	Commercial	Acceptable credit quality	$	75,899	$	418,424	$	87,281	$	29,812	$	12,768	$	58,726	$	400,925	$	1,083,835
		Special mention	—		—		—		5,229		—		—		—		5,229
		Substandard	—		680		1,442		2,511		191		5,239		3,309		13,372
		Substandard – nonaccrual	—		—		67		1,034		4,200		1,038		703		7,042
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	75,899		419,104		88,790		38,586		17,159		65,003		404,937		1,109,478

	Commercial other	Acceptable credit quality	1,888		3,611		1,452		1,400		5,503		788		87,291		101,933
		Special mention	—		201		—		59		189		56		1,183		1,688
		Substandard	—		—		—		24		—		64		820		908
		Substandard – nonaccrual	—		—		—		464		104		238		1,698		2,504
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	1,888		3,812		1,452		1,947		5,796		1,146		90,992		107,033

Commercial real estate	Non-owner occupied	Acceptable credit quality	79,175		291,851		244,596		126,614		302,152		279,611		11,738		1,335,737
		Special mention	—		3,104		—		—		2,761		16,016		—		21,881
		Substandard	4,247		8,203		8,003		—		15,645		14,721		—		50,819
		Substandard – nonaccrual	—		82		5,256		—		59		5,708		—		11,105
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	83,422		303,240		257,855		126,614		320,617		316,056		11,738		1,419,542

	Owner occupied	Acceptable credit quality	26,869		106,576		82,922		37,064		85,621		107,425		1,149		447,626
		Special mention	—		—		217		—		—		619		—		836
		Substandard	—		—		317		—		—		703		—		1,020
		Substandard – nonaccrual	—		909		184		—		9,640		1,180		304		12,217
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	26,869		107,485		83,640		37,064		95,261		109,927		1,453		461,699

	Multi-family	Acceptable credit quality	38,466		96,290		7,273		10,180		135,989		42,158		1,002		331,358
		Special mention	—		—		—		7,525		—		—		—		7,525
		Substandard	—		—		—		—		16,955		5,146		—		22,101
		Substandard – nonaccrual	—		—		—		—		15,258		—		—		15,258
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	38,466		96,290		7,273		17,705		168,202		47,304		1,002		376,242

	Farmland	Acceptable credit quality	3,979		17,338		1,875		6,482		3,101		26,968		721		60,464
		Special mention	—		—		—		—		—		1,077		—		1,077
		Substandard	1,294		358		—		—		—		120		—		1,772
		Substandard – nonaccrual	—		33		—		—		—		1,321		48		1,402
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	5,273		17,729		1,875		6,482		3,101		29,486		769		64,715

Construction and land development		Acceptable credit quality	17,016		118,408		51,770		954		28,559		24,564		16,459		257,730
		Special mention	—		1,103		—		—		9,000		—		—		10,103
		Substandard	—		—		1,588		—		—		73		—		1,661
		Substandard – nonaccrual	—		—		—		—		—		—		—		—
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	1,271		4,431		759		294		152		68		—		6,975
		Subtotal	18,287		123,942		54,117		1,248		37,711		24,705		16,459		276,469

Total		Acceptable credit quality	243,292		1,052,498		477,169		212,506		573,693		540,240		519,285		3,618,683
		Special mention	—		4,408		217		12,813		11,950		17,768		1,183		48,339
		Substandard	5,541		9,241		11,350		2,535		32,791		26,066		4,129		91,653
		Substandard – nonaccrual	—		1,024		5,507		1,498		29,261		9,485		2,753		49,528
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	1,271		4,431		759		294		152		68		—		6,975
Total commercial loans			$	250,104	$	1,071,602	$	495,002	$	229,646	$	647,847	$	593,627	$	527,350	$	3,815,178


			December 31, 2025
			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2025		2024		2023		2022		2021		Prior		Revolving loans		Total
Commercial	Commercial	Acceptable credit quality	$	430,303	$	90,583	$	68,878	$	13,508	$	25,150	$	37,678	$	369,376	$	1,035,476
		Special mention	647		1,442		5,229		—		—		21		—		7,339
		Substandard	37		—		2,556		216		4,099		1,181		4,568		12,657
		Substandard – nonaccrual	—		70		996		4,200		426		818		709		7,219
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	430,987		92,095		77,659		17,924		29,675		39,698		374,653		1,062,691

	Commercial other	Acceptable credit quality	4,966		1,732		1,735		6,396		693		312		94,573		110,407
		Special mention	201		—		64		209		—		8		663		1,145
		Substandard	—		—		26		—		—		63		992		1,081
		Substandard – nonaccrual	—		—		500		79		311		311		1,996		3,197
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	5,167		1,732		2,325		6,684		1,004		694		98,224		115,830

Commercial real estate	Non-owner occupied	Acceptable credit quality	317,256		253,999		121,375		327,996		187,171		132,080		12,556		1,352,433
		Special mention	104		7,630		3,113		2,780		12,508		3,600		—		29,735
		Substandard	342		8,088		—		10,254		—		31,958		—		50,642
		Substandard – nonaccrual	—		9,178		—		59		—		5,847		—		15,084
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	317,702		278,895		124,488		341,089		199,679		173,485		12,556		1,447,894

	Owner occupied	Acceptable credit quality	92,863		82,708		39,146		86,498		66,979		59,816		835		428,845
		Special mention	—		841		—		—		—		630		—		1,471
		Substandard	287		358		—		—		18		1,325		—		1,988
		Substandard – nonaccrual	909		184		—		9,643		264		835		304		12,139
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	94,059		84,091		39,146		96,141		67,261		62,606		1,139		444,443

	Multi-family	Acceptable credit quality	102,138		30,280		10,233		150,482		38,456		4,473		1,101		337,163
		Special mention	—		—		7,562		17,045		—		—		—		24,607
		Substandard	—		—		—		—		5,124		35		—		5,159
		Substandard – nonaccrual	—		—		—		16,448		—		—		—		16,448
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	102,138		30,280		17,795		183,975		43,580		4,508		1,101		383,377

	Farmland	Acceptable credit quality	19,081		1,906		6,858		3,415		6,418		23,454		775		61,907
		Special mention	—		—		—		—		827		94		—		921
		Substandard	958		—		1,210		—		12		280		—		2,460
		Substandard – nonaccrual	246		—		—		—		267		1,101		48		1,662
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	20,285		1,906		8,068		3,415		7,524		24,929		823		66,950

Construction and land development		Acceptable credit quality	122,570		78,267		11,000		26,771		16,363		359		14,402		269,732
		Special mention	942		—		—		9,000		—		—		—		9,942
		Substandard	—		1,588		—		—		77		—		—		1,665
		Substandard – nonaccrual	—		155		—		—		—		—		—		155
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	3,292		774		306		255		—		19		—		4,646
		Subtotal	126,804		80,784		11,306		36,026		16,440		378		14,402		286,140

Total		Acceptable credit quality	1,089,177		539,475		259,225		615,066		341,230		258,172		493,618		3,595,963
		Special mention	1,894		9,913		15,968		29,034		13,335		4,353		663		75,160
		Substandard	1,624		10,034		3,792		10,470		9,330		34,842		5,560		75,652
		Substandard – nonaccrual	1,155		9,587		1,496		30,429		1,268		8,912		3,057		55,904
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	3,292		774		306		255		—		19		—		4,646
Total commercial loans			$	1,097,142	$	569,783	$	280,787	$	685,254	$	365,163	$	306,298	$	502,898	$	3,807,325

The following table presents the gross charge-offs by class of loan and year of origination on the commercial loan portfolio for the three months ended March 31, 2026 and 2025:


		Term Loans by Origination Year
(dollars in thousands)		2026		2025		2024		2023		2022		Prior		Revolving Loans		Total
For the three months ended March 31, 2026
Commercial	Commercial	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
	Commercial other	—		22		4		21		15		3		1,997		2,062
Commercial real estate	Non-owner occupied	—		—		—		—		—		2,710		—		2,710

	Multi-family	—		—		—		—		1,128		—		—		1,128

Construction and land development		—		—		35		—		—		—		—		35
Total gross commercial charge-offs		$	—	$	22	$	39	$	21	$	1,143	$	2,713	$	1,997	$	5,935


		Term Loans by Origination Year
(dollars in thousands)		2025		2024		2023		2022		2021		Prior		Revolving Loans		Total
For the three months ended March 31, 2025
Commercial	Commercial	$	—	$	—	$	—	$	—	$	—	$	64	$	—	$	64
	Commercial other	—		42		792		1,015		227		78		11,082		13,236
Commercial real estate	Non-owner occupied	—		—		—		—		—		—		—		—

	Multi-family	—		—		—		—		—		723		—		723

Construction and land development		—		—		—		—		—		—		—		—
Total gross commercial charge-offs		$	—	$	42	$	792	$	1,015	$	227	$	865	$	11,082	$	14,023

The Company evaluates the credit quality of its other loan portfolios, which includes residential real estate, consumer and leases, based primarily on the aging status of the loan and payment activity. Accordingly, loans on nonaccrual status and loans past due 90 days or more and still accruing interest are considered to be nonperforming for purposes of credit quality evaluation. The following tables present the recorded investment of our other loan portfolio based on the credit risk profile of loans that are performing and loans that are nonperforming as of March 31, 2026 and December 31, 2025:


			March 31, 2026
			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2026		2025		2024		2023		2022		Prior		Revolving Loans		Total
Residential real estate	Residential first lien	Performing	$	1,457	$	7,114	$	27,533	$	37,108	$	60,017	$	143,631	$	80	$	276,940
		Nonperforming	—		23		—		472		180		2,590		—		3,265
		Subtotal	1,457		7,137		27,533		37,580		60,197		146,221		80		280,205

	Other residential	Performing	317		2,893		2,035		1,653		588		1,471		54,735		63,692
		Nonperforming	—		—		—		—		—		93		521		614
		Subtotal	317		2,893		2,035		1,653		588		1,564		55,256		64,306

Consumer	Consumer	Performing	2,386		30,456		14,207		13,075		10,495		21,744		892		93,255
		Nonperforming	—		—		43		20		—		12		2		77
		Subtotal	2,386		30,456		14,250		13,095		10,495		21,756		894		93,332

	Consumer other	Performing	—		—		—		323		29,752		11,674		—		41,749
		Nonperforming	—		—		—		—		—		—		—		—
		Subtotal	—		—		—		323		29,752		11,674		—		41,749

Leases financing		Performing	229		4,483		7,323		11,436		14,894		4,625		—		42,990
		Nonperforming	—		—		146		249		339		79		—		813
		Subtotal	229		4,483		7,469		11,685		15,233		4,704		—		43,803

Total		Performing	4,389		44,946		51,098		63,595		115,746		183,145		55,707		518,626
		Nonperforming	—		23		189		741		519		2,774		523		4,769
Total other loans			$	4,389	$	44,969	$	51,287	$	64,336	$	116,265	$	185,919	$	56,230	$	523,395


			December 31, 2025
			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2025		2024		2023		2022		2021		Prior		Revolving loans		Total
Residential real estate	Residential first lien	Performing	$	8,254	$	28,464	$	37,936	$	60,875	$	29,331	$	117,847	$	35	$	282,742
		Nonperforming	25		—		475		239		296		2,401		—		3,436
		Subtotal	8,279		28,464		38,411		61,114		29,627		120,248		35		286,178

	Other residential	Performing	3,104		2,092		1,761		642		194		1,441		53,786		63,020
		Nonperforming	—		—		—		—		—		93		332		425
		Subtotal	3,104		2,092		1,761		642		194		1,534		54,118		63,445

Consumer	Consumer	Performing	33,113		16,117		14,210		11,576		18,018		5,571		1,040		99,645
		Nonperforming	—		3		23		4		—		16		1		47
		Subtotal	33,113		16,120		14,233		11,580		18,018		5,587		1,041		99,692

	Consumer other	Performing	—		—		326		30,970		5,874		7,213		—		44,383
		Nonperforming	—		—		—		—		—		—		—		—
		Subtotal	—		—		326		30,970		5,874		7,213		—		44,383

Leases financing		Performing	5,664		7,833		12,837		17,399		4,533		1,553		—		49,819
		Nonperforming	—		442		60		327		321		12		—		1,162
		Subtotal	5,664		8,275		12,897		17,726		4,854		1,565		—		50,981

Total
		Performing	50,135		54,506		67,070		121,462		57,950		133,625		54,861		539,609
		Nonperforming	25		445		558		570		617		2,522		333		5,070
Total other loans			$	50,160	$	54,951	$	67,628	$	122,032	$	58,567	$	136,147	$	55,194	$	544,679

The following table presents the gross charge-offs by class of loan and year of origination on the other loan portfolio for the three months ended March 31, 2026 and 2025:


		Term Loans by Origination Year
(dollars in thousands)		2026		2025		2024		2023		2022		Prior		Revolving Loans		Total
For the three months ended March 31, 2026
Residential real estate	Residential first lien	$	—	$	—	$	—	$	—	$	59	$	—	$	—	$	59
	Other residential	—		—		—		—		—		—		6		6
Consumer	Consumer	—		1		12		28		2		1		1		45
	Consumer other	1		84		18		28		465		255		—		851
Lease financing		—		—		284		24		168		261		—		737
Total gross other charge-offs		$	1	$	85	$	314	$	80	$	694	$	517	$	7	$	1,698


		Term Loans by Origination Year
(dollars in thousands)		2025		2024		2023		2022		2021		Prior		Revolving Loans		Total
For the three months ended March 31, 2025
Residential real estate	Residential first lien	$	—	$	—	$	—	$	—	$	—	$	27	$	—	$	27
	Other residential	—		—		—		25		—		1		19		45
Consumer	Consumer	—		1		5		2		—		1		4		13
	Consumer other	4		52		17		15		5		347		—		440
Lease financing		—		143		1,706		1,231		209		159		—		3,448
Total gross other charge-offs		$	4	$	196	$	1,728	$	1,273	$	214	$	535	$	23	$	3,973

DERIVATIVE INSTRUMENTS

3 Months Ended

Mar. 31, 2026

Derivative Instruments and Hedging Activities Disclosure [Abstract]

DERIVATIVE INSTRUMENTS

The Company enters into derivative instruments, which may include interest rate swaps and interest rate options, in connection with our risk-management activities. Our primary objective for using derivative financial instruments is to manage interest rate risk associated with our fixed-rate and variable-rate assets and liabilities.

Interest Rate Risk

We monitor our mix of fixed-rate and variable-rate assets and liabilities and may enter into interest rate swaps, forwards, and options to achieve a more desired mix of fixed-rate and variable-rate assets and liabilities. We execute these trades to modify our exposure to interest rate risk by converting certain fixed-rate instruments to a variable-rate and certain variable-rate instruments to a fixed-rate. We use a mix of both derivatives that qualify for hedge accounting treatment and economic hedges that do not qualify for hedge accounting treatment.

Derivatives qualifying for hedge accounting include fair value hedges and cash flow hedges. Fair value hedges include pay-fixed swaps of securities within our available-for-sale portfolio, and cash flow hedges include interest rate option contracts on certain securities within our available-for-sale portfolio, a portion of commercial and commercial real estate loans, and receive-fixed swaps of specific fixed-rate unsecured debt obligations and fixed-rate FHLB advances. Both the cash flow and fair value hedges were determined to be effective during all periods presented and the Company expects the hedges to remain effective during the remaining terms of the swaps. We also enter into interest rate lock commitments and forward commitments that are executed as part of our mortgage business that do not meet the accounting definition of hedges, as well as interest rate swap contracts sold to commercial customers who wish to modify their interest rate sensitivity. These swaps are offset by contracts simultaneously purchased by the Company from other financial dealer institutions with mirror-image terms. Because of the mirror-image terms of the offsetting contracts, in addition to collateral provisions which mitigate the impact of non-performance risk, changes in the fair value subsequent to initial recognition have a minimal effect on earnings.

Balance Sheet Presentation

The following table summarizes the fair value of derivative instruments reported on our consolidated balance sheets. The amounts are presented on a gross basis, are segregated by derivatives that are designated and qualifying as hedging instruments or those that are not, and are further segregated by type of contract within those two categories. Derivative assets and derivative liabilities are included in other assets and accrued interest payable and other liabilities, respectively, on the consolidated balance sheets.


	March 31, 2026						December 31, 2025
	Fair Value						Fair Value
(dollars in thousands)	Assets		Liabilities		Notional amount		Assets		Liabilities		Notional amount
Derivatives designated as accounting hedges:
Interest rate contracts
Fair value hedges
Investment securities available for sale	$	952	$	1,901	$	187,798	$	608	$	2,901	$	228,157
Cash flow hedges
Investment securities available for sale	659		—		90,000		754		—		90,000
Pools of commercial and commercial real estate loans	1,297		999		225,000		1,528		1,180		300,000
FHLB advances, brokered CDs and other borrowings	186		9		100,000		29		502		125,000
Total derivatives designated as accounting hedges	$	3,094	$	2,909	$	602,798	$	2,919	$	4,583	$	743,157
Derivatives not designated as accounting hedges:
Interest rate contracts
Swaps	$	233	$	233	$	52,199	$	395	$	395	$	52,637
Interest rate lock commitments	175		—		9,830		137		—		4,594
Forward commitments to sell mortgage-backed securities	150		—		11,630		—		21		9,179
Total derivatives not designated as accounting hedges	$	558	$	233	$	73,659	$	532	$	416	$	66,410

The following table presents amounts recorded in the consolidated balance sheets related to cumulative basis adjustments for fair value hedges:


	Carrying amount of the hedged items				Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged items
(dollars in thousands)	March 31, 2026		December 31, 2025		March 31, 2026		December 31, 2025

Investment securities available for sale	$	172,154	$	352,968	$	(949)	$	(2,293)

Statement of Income Presentation

The following table summarizes the effect of derivative instruments in fair value hedging relationships on the consolidated statements of income:


	Location of gain (loss) recognized in income on derivative	Gain (loss) recognized in income on derivative				Location of gain (loss) recognized in income on related hedged item	Gain (loss) recognized in income on related hedged items
(dollars in thousands)		2026		2025			2026		2025
Three Months Ended March 31,
Gain (loss) on fair value hedging relationships
Interest rate contracts
Fixed-rate mortgage-backed securities	Interest income on investment securities available for sale	$	1,343	$	(3,486)	Interest income on investment securities available for sale	$	(1,159)	$	3,491

The following table summarizes the effect of derivative instruments in cash flow hedging relationships on the consolidated statements of income:


	Gain (loss) recognized in AOCI on derivative				Location of gain (loss) recognized in income on derivative		Gain (loss) reclassified from AOCI into income
(dollars in thousands)	2026		2025					2026		2025
Three Months Ended March 31,
Gain (loss) on cash flow hedging relationships
Interest rate contracts
Pools of commercial and commercial real estate loans	$	(50)	$	1,117		Interest income on loans		$	109	$	(1,005)
Investment securities available for sale	(95)		446			Interest income on investment securities		54		28
FHLB advances, brokered CDs and other borrowings	650		(699)			Interest expense		30		140
FHLB advances, brokered CDs and other borrowings	—		—			Noninterest expense		(154)		—
Total gain (loss) on cash flow hedging relationships	$	505	$	864				$	39	$	(837)

During the next 12 months, we estimate $1.7 million of losses will be reclassified into pre-tax earnings from derivatives designated as cash flow hedges.

The following table summarizes the effect of derivative instruments not designated as accounting hedges on the consolidated statements of income:



(dollars in thousands)	Location of gain recognized in income on derivative	2026		2025
Three Months Ended March 31,
Gain on derivative instruments not designated as accounting hedges
Interest rate contracts	Residential mortgage banking revenue	$	209	$	70

Total gain on derivative instruments not designated as accounting hedges		$	209	$	70

- Definition

The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.

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+ Details

LOANS - Gross Writeoffs (Details) - USD ($) $ in Thousands	3 Months Ended
LOANS - Gross Writeoffs (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Mar. 31, 2025
Risk category
Total	$ 7,633	$ 17,996
Commercial Loan Portfolio
Risk category
2026	0	0
2025	22	42
2024	39	792
2023	21	1,015
2022	1,143	227
Prior	2,713	865
Revolving Loans	1,997	11,082
Total	5,935	14,023
Commercial Loan Portfolio \| Commercial
Risk category
2026	0	0
2025	0	0
2024	0	0
2023	0	0
2022	0	0
Prior	0	64
Revolving Loans	0	0
Total	0	64
Commercial Loan Portfolio \| Commercial other
Risk category
2026	0	0
2025	22	42
2024	4	792
2023	21	1,015
2022	15	227
Prior	3	78
Revolving Loans	1,997	11,082
Total	2,062	13,236
Commercial Loan Portfolio \| Commercial real estate non-owner occupied
Risk category
2026	0	0
2025	0	0
2024	0	0
2023	0	0
2022	0	0
Prior	2,710	0
Revolving Loans	0	0
Total	2,710	0
Commercial Loan Portfolio \| Multi-family
Risk category
2026	0	0
2025	0	0
2024	0	0
2023	0	0
2022	1,128	0
Prior	0	723
Revolving Loans	0	0
Total	1,128	723
Commercial Loan Portfolio \| Construction and land development
Risk category
2026	0	0
2025	0	0
2024	35	0
2023	0	0
2022	0	0
Prior	0	0
Revolving Loans	0	0
Total	35	0
Residential real estate \| Residential first lien
Risk category
2026	0	0
2025	0	0
2024	0	0
2023	0	0
2022	59	0
Prior	0	27
Revolving Loans	0	0
Total	59	27
Residential real estate \| Other residential
Risk category
2026	0	0
2025	0	0
2024	0	0
2023	0	25
2022	0	0
Prior	0	1
Revolving Loans	6	19
Total	6	45
Consumer \| Consumer
Risk category
2026	0	0
2025	1	1
2024	12	5
2023	28	2
2022	2	0
Prior	1	1
Revolving Loans	1	4
Total	45	13
Consumer \| Consumer other
Risk category
2026	1	4
2025	84	52
2024	18	17
2023	28	15
2022	465	5
Prior	255	347
Revolving Loans	0	0
Total	851	440
Lease financing
Risk category
2026	0	0
2025	0	143
2024	284	1,706
2023	24	1,231
2022	168	209
Prior	261	159
Revolving Loans	0	0
Total	737	3,448
Loan Portfolios, Excluding Commercial
Risk category
2026	1	4
2025	85	196
2024	314	1,728
2023	80	1,273
2022	694	214
Prior	517	535
Revolving Loans	7	23
Total	$ 1,698	$ 3,973

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) - Schedule of Reclassification out of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest income (expense)	$ 57,417	$ 58,290
Loss on sales of investment securities, net	(1,731)	0
Income tax benefit (expense)	(5,649)	(3,172)
Net income (loss)	18,463	(140,974)
Reclassification out of Accumulated Other Comprehensive Income \| Unrealized gains and losses on investment securities available for sale
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest income (expense)	(20)	5
Loss on sales of investment securities, net	(1,731)	0
Income tax benefit (expense)	460	(1)
Net income (loss)	(1,291)	4
Reclassification out of Accumulated Other Comprehensive Income \| Gains and losses on cash flow hedges
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest income (expense)	193	(837)
Income tax benefit (expense)	(10)	220
Loss on termination of interest rate swaps	(154)	0
Net income (loss)	$ 29	$ (617)

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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- Definition

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+ Details

EARNINGS PER COMMON SHARE - Basic and Diluted Earnings per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Net income (loss)	$ 18,463	$ (140,974)
Preferred dividends declared	(2,228)	(2,228)
Net income (loss) available to common shareholders	16,235	(143,202)
Common shareholder dividends	(6,717)	(6,666)
Unvested restricted stock award dividends	(172)	(116)
Undistributed earnings to unvested restricted stock awards	(228)	0
Undistributed earnings (loss) to common shareholders	9,118	(149,984)
Basic
Distributed earnings to common shareholders	6,717	6,666
Undistributed earnings (loss) to common shareholders	9,118	(149,984)
Total common shareholders earnings (loss), basic	15,835	(143,318)
Diluted
Distributed earnings to common shareholders	6,717	6,666
Undistributed earnings (loss) to common shareholders	9,118	(149,984)
Total common shareholders earnings (loss)	15,835	(143,318)
Add back:
Undistributed earnings reallocated from unvested restricted stock awards	0	0
Total common shareholders earnings (loss), diluted	$ 15,835	$ (143,318)
Weighted average common shares outstanding, basic (in shares)	21,301,246	21,795,570
Dilutive effect of options (in shares)	0	0
Weighted average common shares outstanding, diluted (in shares)	21,301,246	21,795,570
Basic earnings (loss) per common share (in dollars per share)	$ 0.74	$ (6.58)
Diluted earnings (loss) per common share (in dollars per share)	$ 0.74	$ (6.58)
Stock option
Add back:
Antidilutive stock options (in shares)	151,315	253,061

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Mar. 31, 2026	Dec. 31, 2025
Statement of Financial Position [Abstract]
Preferred stock, par value (in dollars per share)	$ 2.00	$ 2.00
Preferred stock, shares authorized (in shares)	4,000,000	4,000,000
Preferred stock, shares issued (in shares)	115,000	115,000
Preferred stock, shares outstanding (in shares)	115,000	115,000
Preferred stock, liquidation price (in dollars per share)	$ 1,000	$ 1,000
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	40,000,000	40,000,000
Common stock, shares issued (in shares)	20,813,975	21,169,854
Common stock, shares outstanding (in shares)	20,813,975	21,169,854

LOANS - Risk Category (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Risk category
Total	$ 4,338,573	$ 4,352,004
Commercial Loan Portfolio
Risk category
Originated in current fiscal year	250,104	1,097,142
Originated in fiscal year before latest fiscal year	1,071,602	569,783
Originated two years before latest fiscal year	495,002	280,787
Originated three years before latest fiscal year	229,646	685,254
Originated four years before latest fiscal year	647,847	365,163
Prior	593,627	306,298
Revolving loans	527,350	502,898
Total	3,815,178	3,807,325
Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in current fiscal year	243,292	1,089,177
Originated in fiscal year before latest fiscal year	1,052,498	539,475
Originated two years before latest fiscal year	477,169	259,225
Originated three years before latest fiscal year	212,506	615,066
Originated four years before latest fiscal year	573,693	341,230
Prior	540,240	258,172
Revolving loans	519,285	493,618
Total	3,618,683	3,595,963
Commercial Loan Portfolio \| Special mention
Risk category
Originated in current fiscal year	0	1,894
Originated in fiscal year before latest fiscal year	4,408	9,913
Originated two years before latest fiscal year	217	15,968
Originated three years before latest fiscal year	12,813	29,034
Originated four years before latest fiscal year	11,950	13,335
Prior	17,768	4,353
Revolving loans	1,183	663
Total	48,339	75,160
Commercial Loan Portfolio \| Substandard
Risk category
Originated in current fiscal year	5,541	1,624
Originated in fiscal year before latest fiscal year	9,241	10,034
Originated two years before latest fiscal year	11,350	3,792
Originated three years before latest fiscal year	2,535	10,470
Originated four years before latest fiscal year	32,791	9,330
Prior	26,066	34,842
Revolving loans	4,129	5,560
Total	91,653	75,652
Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Originated in current fiscal year	0	1,155
Originated in fiscal year before latest fiscal year	1,024	9,587
Originated two years before latest fiscal year	5,507	1,496
Originated three years before latest fiscal year	1,498	30,429
Originated four years before latest fiscal year	29,261	1,268
Prior	9,485	8,912
Revolving loans	2,753	3,057
Total	49,528	55,904
Commercial Loan Portfolio \| Doubtful
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Commercial Loan Portfolio \| Not graded
Risk category
Originated in current fiscal year	1,271	3,292
Originated in fiscal year before latest fiscal year	4,431	774
Originated two years before latest fiscal year	759	306
Originated three years before latest fiscal year	294	255
Originated four years before latest fiscal year	152	0
Prior	68	19
Revolving loans	0	0
Total	6,975	4,646
Lease financing
Risk category
Originated in current fiscal year	229	5,664
Originated in fiscal year before latest fiscal year	4,483	8,275
Originated two years before latest fiscal year	7,469	12,897
Originated three years before latest fiscal year	11,685	17,726
Originated four years before latest fiscal year	15,233	4,854
Prior	4,704	1,565
Revolving loans	0	0
Total	43,803	50,981
Lease financing \| Performing
Risk category
Originated in current fiscal year	229	5,664
Originated in fiscal year before latest fiscal year	4,483	7,833
Originated two years before latest fiscal year	7,323	12,837
Originated three years before latest fiscal year	11,436	17,399
Originated four years before latest fiscal year	14,894	4,533
Prior	4,625	1,553
Revolving loans	0	0
Total	42,990	49,819
Lease financing \| Nonperforming
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	442
Originated two years before latest fiscal year	146	60
Originated three years before latest fiscal year	249	327
Originated four years before latest fiscal year	339	321
Prior	79	12
Revolving loans	0	0
Total	813	1,162
Loan Portfolios, Excluding Commercial
Risk category
Originated in current fiscal year	4,389	50,160
Originated in fiscal year before latest fiscal year	44,969	54,951
Originated two years before latest fiscal year	51,287	67,628
Originated three years before latest fiscal year	64,336	122,032
Originated four years before latest fiscal year	116,265	58,567
Prior	185,919	136,147
Revolving loans	56,230	55,194
Total	523,395	544,679
Loan Portfolios, Excluding Commercial \| Performing
Risk category
Originated in current fiscal year	4,389	50,135
Originated in fiscal year before latest fiscal year	44,946	54,506
Originated two years before latest fiscal year	51,098	67,070
Originated three years before latest fiscal year	63,595	121,462
Originated four years before latest fiscal year	115,746	57,950
Prior	183,145	133,625
Revolving loans	55,707	54,861
Total	518,626	539,609
Loan Portfolios, Excluding Commercial \| Nonperforming
Risk category
Originated in current fiscal year	0	25
Originated in fiscal year before latest fiscal year	23	445
Originated two years before latest fiscal year	189	558
Originated three years before latest fiscal year	741	570
Originated four years before latest fiscal year	519	617
Prior	2,774	2,522
Revolving loans	523	333
Total	4,769	5,070
Commercial \| Commercial Loan Portfolio
Risk category
Originated in current fiscal year	75,899	430,987
Originated in fiscal year before latest fiscal year	419,104	92,095
Originated two years before latest fiscal year	88,790	77,659
Originated three years before latest fiscal year	38,586	17,924
Originated four years before latest fiscal year	17,159	29,675
Prior	65,003	39,698
Revolving loans	404,937	374,653
Total	1,109,478	1,062,691
Commercial \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in current fiscal year	75,899	430,303
Originated in fiscal year before latest fiscal year	418,424	90,583
Originated two years before latest fiscal year	87,281	68,878
Originated three years before latest fiscal year	29,812	13,508
Originated four years before latest fiscal year	12,768	25,150
Prior	58,726	37,678
Revolving loans	400,925	369,376
Total	1,083,835	1,035,476
Commercial \| Commercial Loan Portfolio \| Special mention
Risk category
Originated in current fiscal year	0	647
Originated in fiscal year before latest fiscal year	0	1,442
Originated two years before latest fiscal year	0	5,229
Originated three years before latest fiscal year	5,229	0
Originated four years before latest fiscal year	0	0
Prior	0	21
Revolving loans	0	0
Total	5,229	7,339
Commercial \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in current fiscal year	0	37
Originated in fiscal year before latest fiscal year	680	0
Originated two years before latest fiscal year	1,442	2,556
Originated three years before latest fiscal year	2,511	216
Originated four years before latest fiscal year	191	4,099
Prior	5,239	1,181
Revolving loans	3,309	4,568
Total	13,372	12,657
Commercial \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	70
Originated two years before latest fiscal year	67	996
Originated three years before latest fiscal year	1,034	4,200
Originated four years before latest fiscal year	4,200	426
Prior	1,038	818
Revolving loans	703	709
Total	7,042	7,219
Commercial \| Commercial Loan Portfolio \| Doubtful
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Commercial \| Commercial Loan Portfolio \| Not graded
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Commercial other \| Commercial Loan Portfolio
Risk category
Originated in current fiscal year	1,888	5,167
Originated in fiscal year before latest fiscal year	3,812	1,732
Originated two years before latest fiscal year	1,452	2,325
Originated three years before latest fiscal year	1,947	6,684
Originated four years before latest fiscal year	5,796	1,004
Prior	1,146	694
Revolving loans	90,992	98,224
Total	107,033	115,830
Commercial other \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in current fiscal year	1,888	4,966
Originated in fiscal year before latest fiscal year	3,611	1,732
Originated two years before latest fiscal year	1,452	1,735
Originated three years before latest fiscal year	1,400	6,396
Originated four years before latest fiscal year	5,503	693
Prior	788	312
Revolving loans	87,291	94,573
Total	101,933	110,407
Commercial other \| Commercial Loan Portfolio \| Special mention
Risk category
Originated in current fiscal year	0	201
Originated in fiscal year before latest fiscal year	201	0
Originated two years before latest fiscal year	0	64
Originated three years before latest fiscal year	59	209
Originated four years before latest fiscal year	189	0
Prior	56	8
Revolving loans	1,183	663
Total	1,688	1,145
Commercial other \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	26
Originated three years before latest fiscal year	24	0
Originated four years before latest fiscal year	0	0
Prior	64	63
Revolving loans	820	992
Total	908	1,081
Commercial other \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	500
Originated three years before latest fiscal year	464	79
Originated four years before latest fiscal year	104	311
Prior	238	311
Revolving loans	1,698	1,996
Total	2,504	3,197
Commercial other \| Commercial Loan Portfolio \| Doubtful
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Commercial other \| Commercial Loan Portfolio \| Not graded
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Commercial real estate non-owner occupied \| Commercial Loan Portfolio
Risk category
Originated in current fiscal year	83,422	317,702
Originated in fiscal year before latest fiscal year	303,240	278,895
Originated two years before latest fiscal year	257,855	124,488
Originated three years before latest fiscal year	126,614	341,089
Originated four years before latest fiscal year	320,617	199,679
Prior	316,056	173,485
Revolving loans	11,738	12,556
Total	1,419,542	1,447,894
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in current fiscal year	79,175	317,256
Originated in fiscal year before latest fiscal year	291,851	253,999
Originated two years before latest fiscal year	244,596	121,375
Originated three years before latest fiscal year	126,614	327,996
Originated four years before latest fiscal year	302,152	187,171
Prior	279,611	132,080
Revolving loans	11,738	12,556
Total	1,335,737	1,352,433
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Special mention
Risk category
Originated in current fiscal year	0	104
Originated in fiscal year before latest fiscal year	3,104	7,630
Originated two years before latest fiscal year	0	3,113
Originated three years before latest fiscal year	0	2,780
Originated four years before latest fiscal year	2,761	12,508
Prior	16,016	3,600
Revolving loans	0	0
Total	21,881	29,735
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in current fiscal year	4,247	342
Originated in fiscal year before latest fiscal year	8,203	8,088
Originated two years before latest fiscal year	8,003	0
Originated three years before latest fiscal year	0	10,254
Originated four years before latest fiscal year	15,645	0
Prior	14,721	31,958
Revolving loans	0	0
Total	50,819	50,642
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	82	9,178
Originated two years before latest fiscal year	5,256	0
Originated three years before latest fiscal year	0	59
Originated four years before latest fiscal year	59	0
Prior	5,708	5,847
Revolving loans	0	0
Total	11,105	15,084
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Doubtful
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Not graded
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Commercial real estate owner occupied \| Commercial Loan Portfolio
Risk category
Originated in current fiscal year	26,869	94,059
Originated in fiscal year before latest fiscal year	107,485	84,091
Originated two years before latest fiscal year	83,640	39,146
Originated three years before latest fiscal year	37,064	96,141
Originated four years before latest fiscal year	95,261	67,261
Prior	109,927	62,606
Revolving loans	1,453	1,139
Total	461,699	444,443
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in current fiscal year	26,869	92,863
Originated in fiscal year before latest fiscal year	106,576	82,708
Originated two years before latest fiscal year	82,922	39,146
Originated three years before latest fiscal year	37,064	86,498
Originated four years before latest fiscal year	85,621	66,979
Prior	107,425	59,816
Revolving loans	1,149	835
Total	447,626	428,845
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Special mention
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	841
Originated two years before latest fiscal year	217	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	619	630
Revolving loans	0	0
Total	836	1,471
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in current fiscal year	0	287
Originated in fiscal year before latest fiscal year	0	358
Originated two years before latest fiscal year	317	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	18
Prior	703	1,325
Revolving loans	0	0
Total	1,020	1,988
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Originated in current fiscal year	0	909
Originated in fiscal year before latest fiscal year	909	184
Originated two years before latest fiscal year	184	0
Originated three years before latest fiscal year	0	9,643
Originated four years before latest fiscal year	9,640	264
Prior	1,180	835
Revolving loans	304	304
Total	12,217	12,139
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Doubtful
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Not graded
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Multi-family \| Commercial Loan Portfolio
Risk category
Originated in current fiscal year	38,466	102,138
Originated in fiscal year before latest fiscal year	96,290	30,280
Originated two years before latest fiscal year	7,273	17,795
Originated three years before latest fiscal year	17,705	183,975
Originated four years before latest fiscal year	168,202	43,580
Prior	47,304	4,508
Revolving loans	1,002	1,101
Total	376,242	383,377
Multi-family \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in current fiscal year	38,466	102,138
Originated in fiscal year before latest fiscal year	96,290	30,280
Originated two years before latest fiscal year	7,273	10,233
Originated three years before latest fiscal year	10,180	150,482
Originated four years before latest fiscal year	135,989	38,456
Prior	42,158	4,473
Revolving loans	1,002	1,101
Total	331,358	337,163
Multi-family \| Commercial Loan Portfolio \| Special mention
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	7,562
Originated three years before latest fiscal year	7,525	17,045
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	7,525	24,607
Multi-family \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	16,955	5,124
Prior	5,146	35
Revolving loans	0	0
Total	22,101	5,159
Multi-family \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	16,448
Originated four years before latest fiscal year	15,258	0
Prior	0	0
Revolving loans	0	0
Total	15,258	16,448
Multi-family \| Commercial Loan Portfolio \| Doubtful
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Multi-family \| Commercial Loan Portfolio \| Not graded
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Farmland \| Commercial Loan Portfolio
Risk category
Originated in current fiscal year	5,273	20,285
Originated in fiscal year before latest fiscal year	17,729	1,906
Originated two years before latest fiscal year	1,875	8,068
Originated three years before latest fiscal year	6,482	3,415
Originated four years before latest fiscal year	3,101	7,524
Prior	29,486	24,929
Revolving loans	769	823
Total	64,715	66,950
Farmland \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in current fiscal year	3,979	19,081
Originated in fiscal year before latest fiscal year	17,338	1,906
Originated two years before latest fiscal year	1,875	6,858
Originated three years before latest fiscal year	6,482	3,415
Originated four years before latest fiscal year	3,101	6,418
Prior	26,968	23,454
Revolving loans	721	775
Total	60,464	61,907
Farmland \| Commercial Loan Portfolio \| Special mention
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	827
Prior	1,077	94
Revolving loans	0	0
Total	1,077	921
Farmland \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in current fiscal year	1,294	958
Originated in fiscal year before latest fiscal year	358	0
Originated two years before latest fiscal year	0	1,210
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	12
Prior	120	280
Revolving loans	0	0
Total	1,772	2,460
Farmland \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Originated in current fiscal year	0	246
Originated in fiscal year before latest fiscal year	33	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	267
Prior	1,321	1,101
Revolving loans	48	48
Total	1,402	1,662
Farmland \| Commercial Loan Portfolio \| Doubtful
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Farmland \| Commercial Loan Portfolio \| Not graded
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Construction and land development \| Commercial Loan Portfolio
Risk category
Originated in current fiscal year	18,287	126,804
Originated in fiscal year before latest fiscal year	123,942	80,784
Originated two years before latest fiscal year	54,117	11,306
Originated three years before latest fiscal year	1,248	36,026
Originated four years before latest fiscal year	37,711	16,440
Prior	24,705	378
Revolving loans	16,459	14,402
Total	276,469	286,140
Construction and land development \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in current fiscal year	17,016	122,570
Originated in fiscal year before latest fiscal year	118,408	78,267
Originated two years before latest fiscal year	51,770	11,000
Originated three years before latest fiscal year	954	26,771
Originated four years before latest fiscal year	28,559	16,363
Prior	24,564	359
Revolving loans	16,459	14,402
Total	257,730	269,732
Construction and land development \| Commercial Loan Portfolio \| Special mention
Risk category
Originated in current fiscal year	0	942
Originated in fiscal year before latest fiscal year	1,103	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	9,000
Originated four years before latest fiscal year	9,000	0
Prior	0	0
Revolving loans	0	0
Total	10,103	9,942
Construction and land development \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	1,588
Originated two years before latest fiscal year	1,588	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	77
Prior	73	0
Revolving loans	0	0
Total	1,661	1,665
Construction and land development \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	155
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	155
Construction and land development \| Commercial Loan Portfolio \| Doubtful
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Construction and land development \| Commercial Loan Portfolio \| Not graded
Risk category
Originated in current fiscal year	1,271	3,292
Originated in fiscal year before latest fiscal year	4,431	774
Originated two years before latest fiscal year	759	306
Originated three years before latest fiscal year	294	255
Originated four years before latest fiscal year	152	0
Prior	68	19
Revolving loans	0	0
Total	6,975	4,646
Residential first lien \| Residential loans held for sale
Risk category
Originated in current fiscal year	1,457	8,279
Originated in fiscal year before latest fiscal year	7,137	28,464
Originated two years before latest fiscal year	27,533	38,411
Originated three years before latest fiscal year	37,580	61,114
Originated four years before latest fiscal year	60,197	29,627
Prior	146,221	120,248
Revolving loans	80	35
Total	280,205	286,178
Residential first lien \| Residential loans held for sale \| Performing
Risk category
Originated in current fiscal year	1,457	8,254
Originated in fiscal year before latest fiscal year	7,114	28,464
Originated two years before latest fiscal year	27,533	37,936
Originated three years before latest fiscal year	37,108	60,875
Originated four years before latest fiscal year	60,017	29,331
Prior	143,631	117,847
Revolving loans	80	35
Total	276,940	282,742
Residential first lien \| Residential loans held for sale \| Nonperforming
Risk category
Originated in current fiscal year	0	25
Originated in fiscal year before latest fiscal year	23	0
Originated two years before latest fiscal year	0	475
Originated three years before latest fiscal year	472	239
Originated four years before latest fiscal year	180	296
Prior	2,590	2,401
Revolving loans	0	0
Total	3,265	3,436
Other residential \| Residential loans held for sale
Risk category
Originated in current fiscal year	317	3,104
Originated in fiscal year before latest fiscal year	2,893	2,092
Originated two years before latest fiscal year	2,035	1,761
Originated three years before latest fiscal year	1,653	642
Originated four years before latest fiscal year	588	194
Prior	1,564	1,534
Revolving loans	55,256	54,118
Total	64,306	63,445
Other residential \| Residential loans held for sale \| Performing
Risk category
Originated in current fiscal year	317	3,104
Originated in fiscal year before latest fiscal year	2,893	2,092
Originated two years before latest fiscal year	2,035	1,761
Originated three years before latest fiscal year	1,653	642
Originated four years before latest fiscal year	588	194
Prior	1,471	1,441
Revolving loans	54,735	53,786
Total	63,692	63,020
Other residential \| Residential loans held for sale \| Nonperforming
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	93	93
Revolving loans	521	332
Total	614	425
Consumer \| Consumer
Risk category
Originated in current fiscal year	2,386	33,113
Originated in fiscal year before latest fiscal year	30,456	16,120
Originated two years before latest fiscal year	14,250	14,233
Originated three years before latest fiscal year	13,095	11,580
Originated four years before latest fiscal year	10,495	18,018
Prior	21,756	5,587
Revolving loans	894	1,041
Total	93,332	99,692
Consumer \| Consumer \| Performing
Risk category
Originated in current fiscal year	2,386	33,113
Originated in fiscal year before latest fiscal year	30,456	16,117
Originated two years before latest fiscal year	14,207	14,210
Originated three years before latest fiscal year	13,075	11,576
Originated four years before latest fiscal year	10,495	18,018
Prior	21,744	5,571
Revolving loans	892	1,040
Total	93,255	99,645
Consumer \| Consumer \| Nonperforming
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	3
Originated two years before latest fiscal year	43	23
Originated three years before latest fiscal year	20	4
Originated four years before latest fiscal year	0	0
Prior	12	16
Revolving loans	2	1
Total	77	47
Consumer other \| Consumer
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	326
Originated three years before latest fiscal year	323	30,970
Originated four years before latest fiscal year	29,752	5,874
Prior	11,674	7,213
Revolving loans	0	0
Total	41,749	44,383
Consumer other \| Consumer \| Performing
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	326
Originated three years before latest fiscal year	323	30,970
Originated four years before latest fiscal year	29,752	5,874
Prior	11,674	7,213
Revolving loans	0	0
Total	41,749	44,383
Consumer other \| Consumer \| Nonperforming
Risk category
Originated in current fiscal year	0	0
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	0	0
Revolving loans	0	0
Total	$ 0	$ 0

LOANS - Non-accrual (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Nonaccrual
Nonaccrual with allowance	$ 24,551	$ 29,875
Nonaccrual with no allowance	29,607	31,064
Total nonaccrual	54,158	60,939
Commercial Loan Portfolio
Nonaccrual
Nonaccrual with allowance	20,176	25,153
Nonaccrual with no allowance	29,352	30,751
Total nonaccrual	49,528	55,904
Commercial Loan Portfolio \| Commercial
Nonaccrual
Nonaccrual with allowance	3,192	3,370
Nonaccrual with no allowance	3,850	3,849
Total nonaccrual	7,042	7,219
Commercial Loan Portfolio \| Commercial other
Nonaccrual
Nonaccrual with allowance	1,203	1,040
Nonaccrual with no allowance	1,301	2,157
Total nonaccrual	2,504	3,197
Commercial Loan Portfolio \| Commercial real estate non-owner occupied
Nonaccrual
Nonaccrual with allowance	11,100	1,537
Nonaccrual with no allowance	5	13,547
Total nonaccrual	11,105	15,084
Commercial Loan Portfolio \| Commercial real estate owner occupied
Nonaccrual
Nonaccrual with allowance	3,533	3,455
Nonaccrual with no allowance	8,684	8,684
Total nonaccrual	12,217	12,139
Commercial Loan Portfolio \| Multi-family
Nonaccrual
Nonaccrual with allowance	0	14,336
Nonaccrual with no allowance	15,258	2,112
Total nonaccrual	15,258	16,448
Commercial Loan Portfolio \| Farmland
Nonaccrual
Nonaccrual with allowance	1,148	1,260
Nonaccrual with no allowance	254	402
Total nonaccrual	1,402	1,662
Commercial Loan Portfolio \| Construction and land development
Nonaccrual
Nonaccrual with allowance	0	155
Nonaccrual with no allowance	0	0
Total nonaccrual	0	155
Residential loans held for sale \| Residential first lien
Nonaccrual
Nonaccrual with allowance	3,011	3,087
Nonaccrual with no allowance	255	313
Total nonaccrual	3,266	3,400
Residential loans held for sale \| Other residential
Nonaccrual
Nonaccrual with allowance	613	426
Nonaccrual with no allowance	0	0
Total nonaccrual	613	426
Consumer \| Consumer
Nonaccrual
Nonaccrual with allowance	77	47
Nonaccrual with no allowance	0	0
Total nonaccrual	77	47
Lease financing
Nonaccrual
Nonaccrual with allowance	674	1,162
Nonaccrual with no allowance	0	0
Total nonaccrual	$ 674	$ 1,162

LOANS - Loans to Directors, Executive Officers, Principal Shareholders and Affiliates (Details) - Directors, Executive Officers, Principal Shareholders and Affiliates - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Notes Receivable [Roll Forward]
Beginning balance	$ 46,999	$ 40,410
New loans and other additions	496	2,358
Repayments and other reductions	(410)	(740)
Ending balance	$ 47,085	$ 42,028

COMMITMENTS, CONTINGENCIES AND CREDIT RISK

3 Months Ended

Mar. 31, 2026

Commitments and Contingencies Disclosure [Abstract]

COMMITMENTS, CONTINGENCIES AND CREDIT RISK

In the normal course of business, there are outstanding various contingent liabilities such as claims and legal actions, which are not reflected in the consolidated financial statements. No material losses are anticipated as a result of these actions or claims.

We are a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of our customers. These financial instruments include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the balance

sheet. The contract amounts of those instruments reflect the extent of involvement we have in particular classes of financial instruments.

Our exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. The Company used the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. The commitments are principally tied to variable rates. Loan commitments as of March 31, 2026 and December 31, 2025 were as follows:


(dollars in thousands)	March 31, 2026		December 31, 2025
Commitments to extend credit	$	776,964	$	821,801
Financial guarantees – standby letters of credit	32,453		30,808

LOANS - Summary of Changes in the ACL on Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Changes in allowance for credit losses on loans
Balance, beginning of period	$ 69,219	$ 111,204
Provision for credit losses on loans	5,403	10,850
Charge-offs	(7,633)	(17,996)
Recoveries	886	1,118
Balance, end of period	67,875	105,176
Commercial Loan Portfolio
Changes in allowance for credit losses on loans
Charge-offs	(5,935)	(14,023)
Commercial Loan Portfolio \| Commercial
Changes in allowance for credit losses on loans
Balance, beginning of period	23,676	42,776
Provision for credit losses on loans	2,489	3,580
Charge-offs	(2,062)	(13,300)
Recoveries	474	498
Balance, end of period	24,577	33,554
Commercial Loan Portfolio \| Commercial real estate
Changes in allowance for credit losses on loans
Balance, beginning of period	28,284	36,837
Provision for credit losses on loans	3,206	2,954
Charge-offs	(3,838)	(723)
Recoveries	1	1
Balance, end of period	27,653	39,069
Commercial Loan Portfolio \| Construction and land development
Changes in allowance for credit losses on loans
Balance, beginning of period	2,619	3,550
Provision for credit losses on loans	(16)	(529)
Charge-offs	(35)	0
Recoveries	0	0
Balance, end of period	2,568	3,021
Residential loans held for sale \| Residential real estate
Changes in allowance for credit losses on loans
Balance, beginning of period	6,652	8,002
Provision for credit losses on loans	(459)	(74)
Charge-offs	(65)	(72)
Recoveries	75	18
Balance, end of period	6,203	7,874
Consumer \| Consumer
Changes in allowance for credit losses on loans
Balance, beginning of period	4,804	5,400
Provision for credit losses on loans	137	940
Charge-offs	(896)	(453)
Recoveries	158	48
Balance, end of period	4,203	5,935
Lease financing
Changes in allowance for credit losses on loans
Balance, beginning of period	3,184	14,639
Provision for credit losses on loans	46	3,979
Charge-offs	(737)	(3,448)
Recoveries	178	553
Balance, end of period	$ 2,671	$ 15,723

PREMISES, EQUIPMENT AND LEASES - Projected Minimum Rental Payments (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Property, Plant and Equipment [Abstract]
2026 remaining	$ 1,363
2027	1,908
2028	1,855
2029	1,655
2030	1,073
Thereafter	2,190
Total future minimum lease payments	10,044
Less imputed interest	(1,061)
Total operating lease liabilities	$ 8,983	$ 9,300

CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY — (UNAUDITED) (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Statement of Stockholders' Equity [Abstract]
Common dividend declared, per share (in dollars per share)	$ 0.32	$ 0.31
Preferred dividend declared, per share (in dollars per share)	$ 19.375	$ 19.375

CONSOLIDATED STATEMENTS OF CASH FLOWS — (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Cash flows from operating activities:
Net income (loss)	$ 18,463	$ (140,974)
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	5,003	10,850
Depreciation on premises and equipment	1,217	1,238
Impairment on goodwill	0	153,977
Amortization of intangible assets	717	911
Amortization of operating lease right-of-use asset	395	405
Amortization of loan servicing rights	385	570
Share-based compensation expense	939	784
Increase in cash surrender value of life insurance	(2,076)	(1,991)
Investment securities accretion, net	(4,387)	(2,877)
Loss on sales of investment securities, net	1,731	0
Origination of loans held for sale	(27,193)	(17,832)
Proceeds from sales of loans and leases held for sale	30,531	19,044
Gain on mortgage servicing rights held for sale	(2,077)	0
Net change in operating assets and liabilities:
Accrued interest receivable	(2,051)	1,060
Credit enhancement asset	(919)	11,189
Other assets	3,613	5,466
Accrued expenses and other liabilities	(7,324)	(17,120)
Net cash provided by operating activities	16,967	24,700
Cash flows from investing activities:
Purchases of investment securities available for sale	(241,888)	(181,409)
Proceeds from sales of investment securities available for sale	98,599	0
Maturities and payments on investment securities available for sale	61,993	42,543
Purchases of equity securities	(59)	(18)
Net decrease in loans	4,737	189,065
Purchases of premises and equipment	(619)	(1,846)
Proceeds from sale of premises and equipment	195	0
Purchases of nonmarketable equity securities	(50)	(37,237)
Proceeds from redemptions of nonmarketable equity securities	2,813	26,418
Proceeds from sales of mortgage servicing rights held for sale	5,727	0
Proceeds from sales of other real estate owned	198	783
Proceeds from company-owned life insurance, net	0	1,166
Net cash provided by (used in) investing activities	(68,354)	39,465
Cash flows from financing activities:
Net increase (decrease) in deposits	15,688	(260,809)
Net increase (decrease) in short-term borrowings	93,244	(47,275)
Net increase (decrease) in short-term FHLB advances	(25,000)	240,000
Proceeds from long-term FHLB advances	0	75,000
Payments made on long-term FHLB advances	(30,000)	(75,000)
Cash dividends paid on preferred stock	(2,228)	(2,228)
Cash dividends paid on common stock	(6,889)	(6,782)
Common stock repurchased	(7,924)	0
Proceeds from issuance of common stock under employee benefit plans	343	169
Net cash provided by (used in) financing activities	37,234	(76,925)
Net decrease in cash and cash equivalents	(14,153)	(12,760)
Cash and cash equivalents:
Beginning of period	127,811	114,766
End of period	113,658	102,006
Supplemental disclosures of cash flow information:
Interest paid on deposits and borrowed funds	30,292	43,557
Income tax paid (net of refunds)	302	754
Supplemental disclosures of noncash investing and financing activities:
Transfer of loans to loans held for sale	1,870	0
Transfer of loans to other real estate owned	120	9
Right-of-use assets obtained in exchange for lease obligations	36	837
Transfer of loan servicing rights held for sale to loan servicing rights, at lower of cost or market	$ 125	$ 0