0001466026-26-000099 | 10-Q | XBRL Viewer | Midland States Bancorp INC

LOANS - Gross Writeoffs (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
LOANS - Gross Writeoffs (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Risk category
Total	$ 7,520	$ 16,039	$ 28,429	$ 67,419
Commercial Loan Portfolio
Risk category
2026/2025	3	156	6	156
2025/2024	6	93	34	149
2024/2023	2	880	49	1,915
2023/2022	17	3,050	125	20,963
2022/2021	2,192	2,962	12,528	3,368
Prior	1,186	2,202	4,392	9,664
Revolving Loans	2,008	1,657	6,608	17,422
Total	5,414	11,000	23,742	53,637
Commercial Loan Portfolio \| Commercial
Risk category
2026/2025	0	0	0	0
2025/2024	0	0	0	0
2024/2023	0	0	0	0
2023/2022	15	0	15	0
2022/2021	20	0	20	0
Prior	34	0	272	152
Revolving Loans	0	0	0	0
Total	69	0	307	152
Commercial Loan Portfolio \| Commercial other
Risk category
2026/2025	3	156	6	156
2025/2024	6	6	34	62
2024/2023	2	880	14	1,915
2023/2022	2	1,253	110	3,183
2022/2021	6	102	625	508
Prior	22	247	40	364
Revolving Loans	2,008	1,657	6,608	17,422
Total	2,049	4,301	7,437	23,610
Commercial Loan Portfolio \| Commercial real estate non-owner occupied
Risk category
2026/2025	0	0	0	0
2025/2024	0	87	0	87
2024/2023	0	0	0	0
2023/2022	0	0	0	7,782
2022/2021	0	0	0	0
Prior	1,105	1,906	4,055	7,649
Revolving Loans	0	0	0	0
Total	1,105	1,993	4,055	15,518
Commercial Loan Portfolio \| Commercial real estate owner occupied
Risk category
2026/2025	0	0	0	0
2025/2024	0	0	0	0
2024/2023	0	0	0	0
2023/2022	0	1,297	0	7,144
2022/2021	19	0	19	0
Prior	0	8	0	8
Revolving Loans	0	0	0	0
Total	19	1,305	19	7,152
Commercial Loan Portfolio \| Multi-family
Risk category
2026/2025	0	0	0	0
2025/2024	0	0	0	0
2024/2023	0	0	0	0
2023/2022	0	500	0	2,854
2022/2021	2,147	0	11,864	0
Prior	0	0	0	1,450
Revolving Loans	0	0	0	0
Total	2,147	500	11,864	4,304
Commercial Loan Portfolio \| Farmland
Risk category
2026/2025			0
2025/2024			0
2024/2023			0
2023/2022			0
2022/2021			0
Prior			25
Revolving Loans			0
Total			25
Commercial Loan Portfolio \| Construction and land development
Risk category
2026/2025		0	0	0
2025/2024		0	0	0
2024/2023		0	35	0
2023/2022		0	0	0
2022/2021		2,860	0	2,860
Prior		41	0	41
Revolving Loans		0	0	0
Total	0	2,901	35	2,901
Residential real estate \| Residential first lien
Risk category
2026/2025	0	0	0	0
2025/2024	0	0	0	0
2024/2023	0	40	0	40
2023/2022	0	0	0	0
2022/2021	0	0	59	0
Prior	2	0	2	27
Revolving Loans	0	0	0	0
Total	2	40	61	67
Residential real estate \| Other residential
Risk category
2026/2025	0	0	0	0
2025/2024	0	0	0	0
2024/2023	0	0	0	0
2023/2022	0	0	0	25
2022/2021	0	0	0	0
Prior	0	1	0	2
Revolving Loans	15	13	21	32
Total	15	14	21	59
Consumer \| Consumer
Risk category
2026/2025	0	23	0	23
2025/2024	17	5	27	35
2024/2023	2	9	29	21
2023/2022	10	2	41	4
2022/2021	0	0	2	0
Prior	0	0	1	1
Revolving Loans	5	6	10	19
Total	34	45	110	103
Consumer \| Consumer other
Risk category
2026/2025	167	0	197	26
2025/2024	52	27	199	106
2024/2023	15	18	49	68
2023/2022	21	348	55	632
2022/2021	287	139	938	268
Prior	441	320	914	1,031
Revolving Loans	0	0	0	0
Total	983	852	2,352	2,131
Lease financing
Risk category
2026/2025	0	0	0	0
2025/2024	0	249	0	716
2024/2023	79	1,605	363	5,023
2023/2022	469	1,843	710	4,261
2022/2021	316	330	593	723
Prior	208	61	477	699
Revolving Loans	0	0	0	0
Total	1,072	4,088	2,143	11,422
Loan Portfolios, Excluding Commercial
Risk category
2026/2025	167	23	197	49
2025/2024	69	281	226	857
2024/2023	96	1,672	441	5,152
2023/2022	500	2,193	806	4,922
2022/2021	603	469	1,592	991
Prior	651	382	1,394	1,760
Revolving Loans	20	19	31	51
Total	$ 2,106	$ 5,039	$ 4,687	$ 13,782

GOODWILL	9 Months Ended
GOODWILL	Sep. 30, 2026
Intangible Asset, Goodwill and Other [Abstract]
GOODWILL	GOODWILL The carrying amount of goodwill was $7.9 million at both September 30, 2026 and December 31, 2025, with no changes during the nine months ended September 30, 2026. The Company performed its most recent annual goodwill impairment assessment as of August 31, 2026, and concluded that no impairment existed. Through September 30, 2026, the Company did not identify any events or changes in circumstances indicating that it was more likely than not that the fair value of any reporting unit was less than its carrying amount. In the first quarter of 2025, the Company 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.

LOANS - Narrative (Details)	9 Months Ended
LOANS - Narrative (Details)	Sep. 30, 2026 region
Receivables [Abstract]
Number of main regions	4

INVESTMENT SECURITIES

9 Months Ended

Sep. 30, 2026

Investments, Debt and Equity Securities [Abstract]

INVESTMENT SECURITIES

Investment Securities Available for Sale

Investment securities available for sale at September 30, 2026 and December 31, 2025 were as follows:


	September 30, 2026
(dollars in thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Fair value
Investment securities available for sale
U.S. Treasury securities	$	6,434	$	—	$	—	$	6,434
U.S. government sponsored entities and U.S. agency securities	65,792		8		(3,510)		62,290
Mortgage-backed securities - agency (1)	1,491,028		7,720		(156,073)		1,342,675
Mortgage-backed securities - non-agency	113,025		957		(5,428)		108,554
Asset-backed student loans	18,419		4		(77)		18,346
State and municipal securities	74,542		—		(8,448)		66,094
Collateralized loan obligations	236,704		78		(64)		236,718
Corporate securities	65,232		14		(1,163)		64,083
Total available for sale securities	$	2,071,176	$	8,781	$	(174,763)	$	1,905,194

(1)The amount of fair value hedging adjustment included in the amortized cost amount of the hedged investment securities available-for-sale as of September 30, 2026 was $7.4 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.

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 September 30, 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	$	4,235	$	4,228
After one year through five years	48,888		46,527
After five years through ten years	73,226		68,453
After ten years	340,774		334,757
Mortgage-backed securities	1,604,053		1,451,229
Total available for sale securities	$	2,071,176	$	1,905,194

Proceeds and gross realized gains and losses on sales of investment securities available for sale for the three and nine months ended September 30, 2026 and 2025 are summarized as follows:


	Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands)	2026		2025		2026		2025
Investment securities available for sale
Proceeds from sales	$	—	$	103,759	$	98,599	$	103,759
Gross realized gains on sales	—		587		248		587
Gross realized losses on sales	—		(573)		(1,979)		(573)

Unrealized losses and fair values for investment securities available for sale as of September 30, 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:


	September 30, 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. Treasury securities	$	499	$	—	$	—	$	—	$	499	$	—
U.S. government sponsored entities and U.S. agency securities	61,595		3,510		—		—		61,595		3,510
Mortgage-backed securities - agency	860,598		50,437		467,599		105,636		1,328,197		156,073
Mortgage-backed securities - non-agency	64,308		2,392		14,577		3,036		78,885		5,428
Asset-backed student loans	2,401		12		12,571		65		14,972		77
State and municipal securities	25,078		1,607		40,916		6,841		65,994		8,448
Collateralized loan obligations	13,000		64		—		—		13,000		64
Corporate securities	30,678		336		18,892		827		49,570		1,163
Total available for sale securities	$	1,058,157	$	58,358	$	554,555	$	116,405	$	1,612,712	$	174,763


	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 September 30, 2026, 415 investment securities available for sale had unrealized losses with aggregate depreciation of 9.78% 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.

DEPOSITS

9 Months Ended

Sep. 30, 2026

Deposits [Abstract]

DEPOSITS

The following table summarizes the classification of deposits as of September 30, 2026 and December 31, 2025:


(dollars in thousands)	September 30, 2026		December 31, 2025
Noninterest-bearing demand	$	973,388	$	1,040,411
Interest-bearing:
Checking	2,155,193		1,855,215
Money market	1,306,610		1,248,942
Savings	498,397		487,742
Time	683,850		792,069
Total deposits	$	5,617,438	$	5,424,379

SHORT-TERM BORROWINGS - Narrative (Details) - USD ($) $ in Millions	9 Months Ended	12 Months Ended
	Sep. 30, 2026	Dec. 31, 2025
Short-term Debt [Line Items]
Weighted-average interest rate on securities sold under agreements to repurchase	0.23%	0.26%
Collateralized agreements	$ 7.8	$ 12.2
Minimum \| Repurchase Agreement
Short-term Debt [Line Items]
Daily average interest rate	3.945%	3.695%
Maximum \| Repurchase Agreement
Short-term Debt [Line Items]
Daily average interest rate	3.95%	3.74%

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) - Schedule of Reclassification out of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest income (expense)	$ 62,722	$ 61,117	$ 179,728	$ 178,102
Gain (loss) on sales of investment securities, net	0	14	(1,731)	14
Income tax benefit (expense)	(6,573)	(3,757)	(18,117)	(9,773)
Net income (loss)	22,808	7,557	61,159	(121,393)
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)	(46)	63	132	109
Gain (loss) on sales of investment securities, net	0	14	(1,731)	14
Income tax benefit (expense)	24	(20)	432	(32)
Net income (loss)	(22)	57	(1,167)	91
Reclassification out of Accumulated Other Comprehensive Income \| Gains and losses on cash flow hedges
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest income (expense)	(218)	(197)	(605)	(1,676)
Loss on termination of interest rate swaps	0	0	(154)	0
Income tax benefit (expense)	63	52	205	441
Net income (loss)	$ (155)	$ (145)	$ (554)	$ (1,235)

- 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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+ Details

- Definition

Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.

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-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

+ Details

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

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+ Details

FAIR VALUE OF FINANCIAL INSTRUMENTS - Quantitative Information (Details) - Non recurring $ in Thousands	Sep. 30, 2026 USD ($)	Dec. 31, 2025 USD ($)
Commercial
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	$ 10,588	$ 8,136
Commercial real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	33,834	40,324
Residential real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	1,281	592
Level 3 \| Commercial
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	10,588	8,136
Level 3 \| Commercial real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	33,834	40,324
Level 3 \| Residential real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	1,281	592
Level 3 \| Fair value of collateral \| Commercial
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	10,588	8,136
Level 3 \| Fair value of collateral \| Commercial real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	33,834	40,324
Level 3 \| Fair value of collateral \| Residential real estate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	1,281	592
Level 3 \| Fair value of collateral \| Other real estate owned
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	$ 180	$ 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	0.5410	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	0.2394	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	0.7157	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	0.0376	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	0.0474	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	0.5963	0.5817

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)

9 Months Ended

Sep. 30, 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 and nine months ended September 30, 2026 and 2025:


	Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands)	2026		2025		2026		2025
Noninterest income - in-scope of Topic 606
Wealth management revenue:
Trust management/administration fees	$	7,432	$	6,975	$	22,275	$	19,854
Investment advisory and brokerage fees	716		597		1,988		1,602

Other	503		445		1,404		1,290
Service charges on deposit accounts:
Nonsufficient fund fees	2,441		2,235		6,691		6,206
Other	1,334		1,364		3,888		4,049
Interchange revenues	3,984		3,444		11,065		10,059
Other income:
Merchant services revenue	275		376		954		1,073
Other	404		473		1,500		1,589
Noninterest income - out-of-scope of Topic 606	6,148		4,107		19,362		15,591
Total noninterest income	$	23,237	$	20,016	$	69,127	$	61,313

LOANS - Aging Status of Recorded Investment (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Aging Status of recorded investment
Loans	$ 4,282,828	$ 4,352,004
Nonaccrual	55,163	60,939
Nonperforming
Aging Status of recorded investment
Nonaccrual	55,163	60,939
Current \| Performing
Aging Status of recorded investment
Loans	4,215,035	4,269,442
30-59 days past due \| Performing
Aging Status of recorded investment
Loans	5,406	12,651
60-89 days past due \| Performing
Aging Status of recorded investment
Loans	3,697	4,428
Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	3,527	4,544
Total past due \| Performing
Aging Status of recorded investment
Loans	12,630	21,623
Commercial Loan Portfolio
Aging Status of recorded investment
Loans	3,765,559	3,807,325
Nonaccrual	49,543	55,904
Commercial Loan Portfolio \| Nonperforming
Aging Status of recorded investment
Nonaccrual	49,543	55,904
Commercial Loan Portfolio \| Current \| Performing
Aging Status of recorded investment
Loans	3,706,261	3,732,756
Commercial Loan Portfolio \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	4,215	10,761
Commercial Loan Portfolio \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	2,498	3,395
Commercial Loan Portfolio \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	3,042	4,509
Commercial Loan Portfolio \| Total past due \| Performing
Aging Status of recorded investment
Loans	9,755	18,665
Commercial Loan Portfolio \| Commercial
Aging Status of recorded investment
Loans	1,073,651	1,062,691
Nonaccrual	11,599	7,219
Commercial Loan Portfolio \| Commercial \| Nonperforming
Aging Status of recorded investment
Nonaccrual	11,599	7,219
Commercial Loan Portfolio \| Commercial \| Current \| Performing
Aging Status of recorded investment
Loans	1,062,025	1,053,096
Commercial Loan Portfolio \| Commercial \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	27	2,035
Commercial Loan Portfolio \| Commercial \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	0	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	27	2,376
Commercial Loan Portfolio \| Commercial other
Aging Status of recorded investment
Loans	110,162	115,830
Nonaccrual	558	3,197
Commercial Loan Portfolio \| Commercial other \| Nonperforming
Aging Status of recorded investment
Nonaccrual	558	3,197
Commercial Loan Portfolio \| Commercial other \| Current \| Performing
Aging Status of recorded investment
Loans	100,322	101,686
Commercial Loan Portfolio \| Commercial other \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	3,820	4,113
Commercial Loan Portfolio \| Commercial other \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	2,420	2,325
Commercial Loan Portfolio \| Commercial other \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	3,042	4,509
Commercial Loan Portfolio \| Commercial other \| Total past due \| Performing
Aging Status of recorded investment
Loans	9,282	10,947
Commercial Loan Portfolio \| Commercial real estate non-owner occupied
Aging Status of recorded investment
Loans	1,477,074	1,447,894
Nonaccrual	27,477	15,084
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Nonperforming
Aging Status of recorded investment
Nonaccrual	27,477	15,084
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Current \| Performing
Aging Status of recorded investment
Loans	1,449,597	1,432,637
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	0	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	0	173
Commercial Loan Portfolio \| Commercial real estate owner occupied
Aging Status of recorded investment
Loans	397,372	444,443
Nonaccrual	3,650	12,139
Commercial Loan Portfolio \| Commercial real estate owner occupied \| Nonperforming
Aging Status of recorded investment
Nonaccrual	3,650	12,139
Commercial Loan Portfolio \| Commercial real estate owner occupied \| Current \| Performing
Aging Status of recorded investment
Loans	393,276	430,972
Commercial Loan Portfolio \| Commercial real estate owner occupied \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	368	701
Commercial Loan Portfolio \| Commercial real estate owner occupied \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	78	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	446	1,332
Commercial Loan Portfolio \| Multi-family
Aging Status of recorded investment
Loans	388,328	383,377
Nonaccrual	5,067	16,448
Commercial Loan Portfolio \| Multi-family \| Nonperforming
Aging Status of recorded investment
Nonaccrual	5,067	16,448
Commercial Loan Portfolio \| Multi-family \| Current \| Performing
Aging Status of recorded investment
Loans	383,261	366,929
Commercial Loan Portfolio \| Multi-family \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	0	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	0	0
Commercial Loan Portfolio \| Farmland
Aging Status of recorded investment
Loans	69,704	66,950
Nonaccrual	1,192	1,662
Commercial Loan Portfolio \| Farmland \| Nonperforming
Aging Status of recorded investment
Nonaccrual	1,192	1,662
Commercial Loan Portfolio \| Farmland \| Current \| Performing
Aging Status of recorded investment
Loans	68,512	65,267
Commercial Loan Portfolio \| Farmland \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	0	21
Commercial Loan Portfolio \| Farmland \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	0	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	0	21
Commercial Loan Portfolio \| Construction and land development
Aging Status of recorded investment
Loans	249,268	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	249,268	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	288,181	286,178
Nonaccrual	3,561	3,400
Residential loans held for sale \| Residential first lien \| Performing
Aging Status of recorded investment
Loans	284,136	282,742
Residential loans held for sale \| Residential first lien \| Nonperforming
Aging Status of recorded investment
Loans	4,045	3,436
Nonaccrual	3,561	3,400
Residential loans held for sale \| Residential first lien \| Current \| Performing
Aging Status of recorded investment
Loans	283,383	282,320
Residential loans held for sale \| Residential first lien \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	0	22
Residential loans held for sale \| Residential first lien \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	753	401
Residential loans held for sale \| Residential first lien \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	484	35
Residential loans held for sale \| Residential first lien \| Total past due \| Performing
Aging Status of recorded investment
Loans	1,237	458
Residential loans held for sale \| Other residential
Aging Status of recorded investment
Loans	69,840	63,445
Nonaccrual	548	426
Residential loans held for sale \| Other residential \| Performing
Aging Status of recorded investment
Loans	69,292	63,020
Residential loans held for sale \| Other residential \| Nonperforming
Aging Status of recorded investment
Loans	548	425
Nonaccrual	548	426
Residential loans held for sale \| Other residential \| Current \| Performing
Aging Status of recorded investment
Loans	69,028	62,459
Residential loans held for sale \| Other residential \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	212	450
Residential loans held for sale \| Other residential \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	52	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	264	560
Consumer \| Consumer
Aging Status of recorded investment
Loans	84,510	99,692
Nonaccrual	45	47
Consumer \| Consumer \| Performing
Aging Status of recorded investment
Loans	84,465	99,645
Consumer \| Consumer \| Nonperforming
Aging Status of recorded investment
Loans	45	47
Nonaccrual	45	47
Consumer \| Consumer \| Current \| Performing
Aging Status of recorded investment
Loans	84,263	99,474
Consumer \| Consumer \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	185	153
Consumer \| Consumer \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	17	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	202	171
Consumer \| Consumer other
Aging Status of recorded investment
Loans	44,399	44,383
Consumer \| Consumer other \| Performing
Aging Status of recorded investment
Loans	44,399	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	43,647	43,618
Consumer \| Consumer other \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	523	320
Consumer \| Consumer other \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	229	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	752	765
Lease financing
Aging Status of recorded investment
Loans	30,339	50,981
Nonaccrual	1,466	1,162
Lease financing \| Performing
Aging Status of recorded investment
Loans	28,872	49,819
Lease financing \| Nonperforming
Aging Status of recorded investment
Loans	1,467	1,162
Nonaccrual	1,466	1,162
Lease financing \| Current \| Performing
Aging Status of recorded investment
Loans	28,453	48,815
Lease financing \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	271	945
Lease financing \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	148	59
Lease financing \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	1	0
Lease financing \| Total past due \| Performing
Aging Status of recorded investment
Loans	$ 420	$ 1,004

LOANS - Summary of Changes in the ACL on Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Changes in allowance for credit losses on loans
Balance, beginning of period	$ 62,519	$ 92,690	$ 69,219	$ 111,204
Provision for credit losses on loans	3,685	20,505	16,197	48,724
Charge-offs	(7,520)	(16,039)	(28,429)	(67,419)
Recoveries	2,168	3,730	3,865	8,377
Balance, end of period	60,852	100,886	60,852	100,886
Commercial Loan Portfolio
Changes in allowance for credit losses on loans
Charge-offs	(5,414)	(11,000)	(23,742)	(53,637)
Commercial Loan Portfolio \| Commercial
Changes in allowance for credit losses on loans
Balance, beginning of period	23,142	34,179	23,676	42,776
Provision for credit losses on loans	2,691	7,841	7,156	17,196
Charge-offs	(2,118)	(4,301)	(7,744)	(23,762)
Recoveries	433	1,320	1,060	2,829
Balance, end of period	24,148	39,039	24,148	39,039
Commercial Loan Portfolio \| Commercial real estate
Changes in allowance for credit losses on loans
Balance, beginning of period	25,326	27,439	28,284	36,837
Provision for credit losses on loans	1,533	2,678	10,859	15,817
Charge-offs	(3,296)	(3,798)	(15,963)	(26,974)
Recoveries	829	494	1,212	1,133
Balance, end of period	24,392	26,813	24,392	26,813
Commercial Loan Portfolio \| Construction and land development
Changes in allowance for credit losses on loans
Balance, beginning of period	2,010	2,869	2,619	3,550
Provision for credit losses on loans	(76)	1,480	(650)	(231)
Charge-offs	0	(2,901)	(35)	(2,901)
Recoveries	0	1,122	0	2,152
Balance, end of period	1,934	2,570	1,934	2,570
Residential loans held for sale \| Residential real estate
Changes in allowance for credit losses on loans
Balance, beginning of period	5,604	7,104	6,652	8,002
Provision for credit losses on loans	(1,064)	(711)	(2,192)	(1,645)
Charge-offs	(17)	(54)	(82)	(126)
Recoveries	245	54	390	162
Balance, end of period	4,768	6,393	4,768	6,393
Consumer \| Consumer
Changes in allowance for credit losses on loans
Balance, beginning of period	3,893	5,704	4,804	5,400
Provision for credit losses on loans	655	116	892	1,352
Charge-offs	(1,017)	(897)	(2,462)	(2,234)
Recoveries	226	103	523	508
Balance, end of period	3,757	5,026	3,757	5,026
Lease financing
Changes in allowance for credit losses on loans
Balance, beginning of period	2,544	15,395	3,184	14,639
Provision for credit losses on loans	(54)	9,101	132	16,235
Charge-offs	(1,072)	(4,088)	(2,143)	(11,422)
Recoveries	435	637	680	1,593
Balance, end of period	$ 1,853	$ 21,045	$ 1,853	$ 21,045

DERIVATIVE INSTRUMENTS - Schedule of Derivative Instruments In Fair Value Hedging Relationships on Consolidated Statements Of Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (loss) recognized in income on derivative	$ (79)	$ (439)	$ (245)	$ 648
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	6,592	(328)	9,703	(5,322)
Gain (loss) recognized in income on related hedged items	$ (6,638)	$ 391	$ (9,571)	$ 5,431

- 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

CONSOLIDATED STATEMENTS OF INCOME — (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Interest income:
Loans, including fees: Taxable	$ 68,760	$ 80,583	$ 201,080	$ 236,765
Loans, including fees: Tax exempt	326	338	1,052	1,267
Loans held for sale	97	147	327	5,087
Investment securities:
Taxable	21,539	15,418	58,678	47,011
Tax exempt	436	443	1,307	1,303
Nonmarketable equity securities	530	715	1,647	2,056
Federal funds sold and cash investments	1,333	849	3,129	2,283
Total interest income	93,021	98,493	267,220	295,772
Interest expense:
Deposits	26,251	30,219	74,980	97,124
Short-term borrowings	349	499	782	1,772
Federal Home Loan Bank advances	2,165	4,044	7,184	10,973
Subordinated debt	380	1,393	1,140	4,174
Trust preferred debentures	1,154	1,221	3,406	3,627
Total interest expense	30,299	37,376	87,492	117,670
Net interest income	62,722	61,117	179,728	178,102
Provision for credit losses:
Provision for credit losses on loans	3,685	20,505	16,197	48,724
Provision (recapture) of credit losses on unfunded commitments	50	(500)	(640)	(500)
Total provision for credit losses	3,735	20,005	15,557	48,224
Net interest income after provision for credit losses	58,987	41,112	164,171	129,878
Noninterest income:
Wealth management revenue	8,651	8,018	25,667	22,747
Service charges on deposit accounts	3,775	3,598	10,579	10,254
Interchange revenue	3,984	3,445	11,065	10,059
Residential mortgage banking revenue	216	735	1,528	2,167
Income on company-owned life insurance	1,828	2,102	6,031	6,504
Gain (loss) on sales of investment securities, net	0	14	(1,731)	14
Credit enhancement income	3,108	(242)	9,549	3,028
Other income	1,675	2,346	6,439	6,540
Total noninterest income	23,237	20,016	69,127	61,313
Noninterest expense:
Salaries and employee benefits	28,500	26,393	82,011	78,494
Occupancy and equipment	4,330	4,206	13,094	12,870
Data processing	6,871	7,186	20,930	21,140
FDIC insurance	791	1,512	2,101	4,397
Professional services	1,669	2,017	5,576	7,550
Marketing	1,539	1,460	3,991	3,536
Communications	403	298	1,193	961
Loan expense	3,214	1,721	9,666	5,046
Loan servicing fees	1,063	1,274	3,229	3,410
Impairment on goodwill	0	0	0	153,977
Amortization of intangible assets	646	743	2,027	2,481
Other expense	3,817	3,004	10,204	8,949
Total noninterest expense	52,843	49,814	154,022	302,811
Income (loss) before income taxes	29,381	11,314	79,276	(111,620)
Income tax expense	6,573	3,757	18,117	9,773
Net income (loss)	22,808	7,557	61,159	(121,393)
Preferred dividends	2,229	2,229	6,685	6,685
Net income (loss) available to common shareholders	$ 20,579	$ 5,328	$ 54,474	$ (128,078)
Per common share data:
Basic earnings (loss) per common share (in dollars per share)	$ 0.95	$ 0.24	$ 2.51	$ (5.88)
Diluted earnings (loss) per common share (in dollars per share)	$ 0.95	$ 0.24	$ 2.51	$ (5.88)
Weighted average common shares outstanding (in shares)	21,128,351	21,863,911	21,167,256	21,826,566
Weighted average diluted common shares outstanding (in shares)	21,140,143	21,863,911	21,167,256	21,826,566

EARNINGS PER COMMON SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Net income (loss)	$ 22,808	$ 7,557	$ 61,159	$ (121,393)
Preferred dividends declared	(2,229)	(2,229)	(6,685)	(6,685)
Net income (loss) available to common shareholders	20,579	5,328	54,474	(128,078)
Common shareholder dividends	(6,863)	(6,893)	(20,214)	(20,230)
Unvested restricted stock award dividends	(147)	(124)	(484)	(354)
Undistributed earnings to unvested restricted stock awards	(296)	0	(786)	0
Undistributed earnings (loss) to common shareholders	13,273	(1,689)	32,990	(148,662)
Basic
Distributed earnings to common shareholders	6,863	6,893	20,214	20,230
Undistributed earnings (loss) to common shareholders	13,273	(1,689)	32,990	(148,662)
Total common shareholders earnings (loss), basic	20,136	5,204	53,204	(128,432)
Diluted
Distributed earnings to common shareholders	6,863	6,893	20,214	20,230
Undistributed earnings (loss) to common shareholders	13,273	(1,689)	32,990	(148,662)
Total common shareholders earnings (loss)	20,136	5,204	53,204	(128,432)
Add back:
Undistributed earnings reallocated from unvested restricted stock awards	0	0	0	0
Total common shareholders earnings (loss), diluted	$ 20,136	$ 5,204	$ 53,204	$ (128,432)
Weighted average common shares outstanding, basic (in shares)	21,128,351	21,863,911	21,167,256	21,826,566
Dilutive effect of options (in shares)	11,792	0	0	0
Weighted average common shares outstanding, diluted (in shares)	21,140,143	21,863,911	21,167,256	21,826,566
Basic earnings (loss) per common share (in dollars per share)	$ 0.95	$ 0.24	$ 2.51	$ (5.88)
Diluted earnings (loss) per common share (in dollars per share)	$ 0.95	$ 0.24	$ 2.51	$ (5.88)
Stock option
Add back:
Antidilutive stock options (in shares)	0	228,802	74,339	228,802

LOANS - Modified Financing Receivable (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Summary of loans
Balance	$ 6,263	$ 20,681	$ 32,553	$ 22,993
Total Class of Financing Receivable (%)	0.15%	0.48%	0.76%	0.53%
Payment Deferral
Summary of loans
Balance	$ 0	$ 120	$ 7,202	$ 120
Term Extension
Summary of loans
Balance	6,263	12,542	25,351	13,742
Interest Rate Reduction
Summary of loans
Balance				294
Interest Rate Reduction / Term Extension
Summary of loans
Balance		8,019		8,019
Payment Deferral / Term Extension
Summary of loans
Balance				818
Commercial Loan Portfolio
Summary of loans
Balance	$ 6,263	$ 20,661	$ 32,516	$ 22,821
Total Class of Financing Receivable (%)	0.17%	0.54%	0.86%	0.60%
Commercial Loan Portfolio \| Payment Deferral
Summary of loans
Balance	$ 0	$ 120	$ 7,202	$ 120
Commercial Loan Portfolio \| Term Extension
Summary of loans
Balance	6,263	12,522	25,314	13,570
Commercial Loan Portfolio \| Interest Rate Reduction
Summary of loans
Balance				294
Commercial Loan Portfolio \| Interest Rate Reduction / Term Extension
Summary of loans
Balance		8,019		8,019
Commercial Loan Portfolio \| Payment Deferral / Term Extension
Summary of loans
Balance				818
Commercial Loan Portfolio \| Commercial
Summary of loans
Balance	$ 6,263	$ 10,901	$ 10,652	$ 11,949
Total Class of Financing Receivable (%)	0.58%	1.03%	0.99%	1.12%
Commercial Loan Portfolio \| Commercial \| Payment Deferral
Summary of loans
Balance	$ 0	$ 0	$ 2,089	$ 0
Commercial Loan Portfolio \| Commercial \| Term Extension
Summary of loans
Balance	6,263	10,901	8,563	11,949
Commercial Loan Portfolio \| Commercial \| Interest Rate Reduction
Summary of loans
Balance				0
Commercial Loan Portfolio \| Commercial \| Interest Rate Reduction / Term Extension
Summary of loans
Balance		0		0
Commercial Loan Portfolio \| Commercial \| Payment Deferral / Term Extension
Summary of loans
Balance				0
Commercial Loan Portfolio \| Commercial other
Summary of loans
Balance	0	0	0	$ 845
Total Class of Financing Receivable (%)				0.73%
Commercial Loan Portfolio \| Commercial other \| Payment Deferral
Summary of loans
Balance				$ 0
Commercial Loan Portfolio \| Commercial other \| Term Extension
Summary of loans
Balance				0
Commercial Loan Portfolio \| Commercial other \| Interest Rate Reduction
Summary of loans
Balance				294
Commercial Loan Portfolio \| Commercial other \| Interest Rate Reduction / Term Extension
Summary of loans
Balance				0
Commercial Loan Portfolio \| Commercial other \| Payment Deferral / Term Extension
Summary of loans
Balance				551
Commercial Loan Portfolio \| Commercial real estate non-owner occupied
Summary of loans
Balance	0	$ 8,069	$ 7,706	$ 8,069
Total Class of Financing Receivable (%)		0.56%	0.52%	0.56%
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Payment Deferral
Summary of loans
Balance		$ 0	$ 0	$ 0
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Term Extension
Summary of loans
Balance		50	7,706	50
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Interest Rate Reduction
Summary of loans
Balance				0
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Interest Rate Reduction / Term Extension
Summary of loans
Balance		8,019		8,019
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Payment Deferral / Term Extension
Summary of loans
Balance				0
Commercial Loan Portfolio \| Multi-family
Summary of loans
Balance	0	0	$ 14,113	0
Total Class of Financing Receivable (%)			3.63%
Commercial Loan Portfolio \| Multi-family \| Payment Deferral
Summary of loans
Balance			$ 5,113
Commercial Loan Portfolio \| Multi-family \| Term Extension
Summary of loans
Balance			9,000
Commercial Loan Portfolio \| Farmland
Summary of loans
Balance	0	$ 120	$ 45	$ 387
Total Class of Financing Receivable (%)		0.18%	0.06%	0.58%
Commercial Loan Portfolio \| Farmland \| Payment Deferral
Summary of loans
Balance		$ 120	$ 0	$ 120
Commercial Loan Portfolio \| Farmland \| Term Extension
Summary of loans
Balance		0	45	0
Commercial Loan Portfolio \| Farmland \| Interest Rate Reduction
Summary of loans
Balance				0
Commercial Loan Portfolio \| Farmland \| Interest Rate Reduction / Term Extension
Summary of loans
Balance		0		0
Commercial Loan Portfolio \| Farmland \| Payment Deferral / Term Extension
Summary of loans
Balance				267
Commercial Loan Portfolio \| Construction and land development
Summary of loans
Balance	0	$ 1,571	0	$ 1,571
Total Class of Financing Receivable (%)		0.55%		0.55%
Commercial Loan Portfolio \| Construction and land development \| Payment Deferral
Summary of loans
Balance		$ 0		$ 0
Commercial Loan Portfolio \| Construction and land development \| Term Extension
Summary of loans
Balance		1,571		1,571
Commercial Loan Portfolio \| Construction and land development \| Interest Rate Reduction
Summary of loans
Balance				0
Commercial Loan Portfolio \| Construction and land development \| Interest Rate Reduction / Term Extension
Summary of loans
Balance		0		0
Commercial Loan Portfolio \| Construction and land development \| Payment Deferral / Term Extension
Summary of loans
Balance				0
Residential loans held for sale \| Residential first lien
Summary of loans
Balance	0	$ 20	$ 37	$ 162
Total Class of Financing Receivable (%)		0.01%	0.01%	0.06%
Residential loans held for sale \| Residential first lien \| Payment Deferral
Summary of loans
Balance		$ 0	$ 0	$ 0
Residential loans held for sale \| Residential first lien \| Term Extension
Summary of loans
Balance		20	37	162
Residential loans held for sale \| Residential first lien \| Interest Rate Reduction
Summary of loans
Balance				0
Residential loans held for sale \| Residential first lien \| Interest Rate Reduction / Term Extension
Summary of loans
Balance		0		0
Residential loans held for sale \| Residential first lien \| Payment Deferral / Term Extension
Summary of loans
Balance				0
Residential loans held for sale \| Other residential
Summary of loans
Balance	$ 0	$ 0	$ 0	$ 10
Total Class of Financing Receivable (%)				0.02%
Residential loans held for sale \| Other residential \| Payment Deferral
Summary of loans
Balance				$ 0
Residential loans held for sale \| Other residential \| Term Extension
Summary of loans
Balance				10
Residential loans held for sale \| Other residential \| Interest Rate Reduction
Summary of loans
Balance				0
Residential loans held for sale \| Other residential \| Interest Rate Reduction / Term Extension
Summary of loans
Balance				0
Residential loans held for sale \| Other residential \| Payment Deferral / Term Extension
Summary of loans
Balance				$ 0

LOANS - Non-accrual (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Nonaccrual
Nonaccrual with allowance	$ 27,894	$ 29,875
Nonaccrual with no allowance	27,269	31,064
Total nonaccrual	55,163	60,939
Commercial Loan Portfolio
Nonaccrual
Nonaccrual with allowance	23,040	25,153
Nonaccrual with no allowance	26,503	30,751
Total nonaccrual	49,543	55,904
Commercial Loan Portfolio \| Commercial
Nonaccrual
Nonaccrual with allowance	4,307	3,370
Nonaccrual with no allowance	7,292	3,849
Total nonaccrual	11,599	7,219
Commercial Loan Portfolio \| Commercial other
Nonaccrual
Nonaccrual with allowance	558	1,040
Nonaccrual with no allowance	0	2,157
Total nonaccrual	558	3,197
Commercial Loan Portfolio \| Commercial real estate non-owner occupied
Nonaccrual
Nonaccrual with allowance	14,928	1,537
Nonaccrual with no allowance	12,549	13,547
Total nonaccrual	27,477	15,084
Commercial Loan Portfolio \| Commercial real estate owner occupied
Nonaccrual
Nonaccrual with allowance	2,055	3,455
Nonaccrual with no allowance	1,595	8,684
Total nonaccrual	3,650	12,139
Commercial Loan Portfolio \| Multi-family
Nonaccrual
Nonaccrual with allowance	0	14,336
Nonaccrual with no allowance	5,067	2,112
Total nonaccrual	5,067	16,448
Commercial Loan Portfolio \| Farmland
Nonaccrual
Nonaccrual with allowance	1,192	1,260
Nonaccrual with no allowance	0	402
Total nonaccrual	1,192	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	2,795	3,087
Nonaccrual with no allowance	766	313
Total nonaccrual	3,561	3,400
Residential loans held for sale \| Other residential
Nonaccrual
Nonaccrual with allowance	548	426
Nonaccrual with no allowance	0	0
Total nonaccrual	548	426
Consumer \| Consumer
Nonaccrual
Nonaccrual with allowance	45	47
Nonaccrual with no allowance	0	0
Total nonaccrual	45	47
Lease financing
Nonaccrual
Nonaccrual with allowance	1,466	1,162
Nonaccrual with no allowance	0	0
Total nonaccrual	$ 1,466	$ 1,162

DERIVATIVE INSTRUMENTS - Schedule of Derivative Instruments Not Designated as Accounting Hedge (Details) - Not Designated as Hedging Instrument - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Derivative Instruments, Gain (Loss) [Line Items]
Total gain (loss) on derivative instruments not designated as accounting hedges	$ (9)	$ 45	$ 80	$ 104
Interest Rate Contract \| Income Statement Location [Axis]: msbi:FeesAndCommissionsMortgageBankingAndServicingAndOtherResidential
Derivative Instruments, Gain (Loss) [Line Items]
Total gain (loss) on derivative instruments not designated as accounting hedges	$ (9)	$ 45	$ 80	$ 104

- 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/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 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4A
-Subparagraph (b)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4A

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

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

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-Section 50
-Paragraph 4D
-Subparagraph (a)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4D

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-Name Accounting Standards Codification
-Section 50
-Paragraph 4D
-Subparagraph (a)(2)
-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)(6)
-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 4D
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4D

Reference 11: 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 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4C
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C

Reference 13: 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 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4CCC
-Subparagraph (b)
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-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4CCC

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-Name Accounting Standards Codification
-Section 50
-Paragraph 4CCC
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-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4CCC

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
-Section 50
-Paragraph 4C
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-Section 50
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-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C

Reference 20: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
-Paragraph 4C
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Reference 21: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
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Reference 22: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4E

+ Details

INVESTMENT SECURITIES - Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Amortized cost
Within one year	$ 4,235		$ 4,235
After one year through five years	48,888		48,888
After five years through ten years	73,226		73,226
After ten years	340,774		340,774
Mortgage-backed securities	1,604,053		1,604,053
Amortized cost	2,071,176		2,071,176		$ 1,602,810
Fair value
Within one year	4,228		4,228
After one year through five years	46,527		46,527
After five years through ten years	68,453		68,453
After ten years	334,757		334,757
Mortgage-backed securities	1,451,229		1,451,229
Fair value	1,905,194		1,905,194		$ 1,523,001
Proceeds from sales	0	$ 103,759	98,599	$ 103,759
Gross realized gains on sales	0	587	248	587
Gross realized losses on sales	$ 0	$ (573)	$ (1,979)	$ (573)

PREMISES, EQUIPMENT AND LEASES - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Property, Plant, and Equipment [Line Items]
Depreciation on premises and equipment	$ 1,218	$ 1,216	$ 3,649	$ 3,672
Renewal term of lease (in years)	10 years		10 years
Operating lease right-of-use asset	$ 7,700		$ 7,700		$ 8,100
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Premises and equipment, net		Premises and equipment, net		Premises and equipment, net
Total operating lease liabilities	$ 8,234		$ 8,234		$ 9,300
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Accrued interest payable and other liabilities		Accrued interest payable and other liabilities		Accrued interest payable and other liabilities
Minimum
Property, Plant, and Equipment [Line Items]
Remaining lease terms	1 month		1 month
Maximum
Property, Plant, and Equipment [Line Items]
Remaining lease terms	11 years		11 years

DERIVATIVE INSTRUMENTS - Schedule of Derivative Instruments (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (loss) recognized in income on derivative	$ (79)	$ (439)	$ (245)	$ 648
Gain (loss) reclassified from AOCI into income	(218)	(197)	(759)	(1,676)
Interest Rate Contract \| Income Statement Location [Axis]: us-gaap:InterestExpenseOperating
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (loss) recognized in income on derivative	763	(86)	1,785	(871)
Gain (loss) reclassified from AOCI into income	(31)	(31)	(91)	213
Interest Rate Contract \| Income Statement Location [Axis]: us-gaap:InterestIncomeSecuritiesTaxable
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (loss) recognized in income on derivative	(517)	(356)	(948)	161
Gain (loss) reclassified from AOCI into income	(75)	(55)	(183)	(32)
Interest Rate Contract \| Income Statement Location [Axis]: us-gaap:NoninterestExpense
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (loss) recognized in income on derivative			(154)	0
Gain (loss) reclassified from AOCI into income			(154)	0
Interest Rate Contract \| Income Statement Location [Axis]: msbi:InterestAndFeeIncomeLoansAndLeasesTaxable
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (loss) recognized in income on derivative	(325)	3	(928)	1,358
Gain (loss) reclassified from AOCI into income	$ (112)	$ (111)	$ (331)	$ (1,857)

- 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 (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Classification of deposits
Noninterest-bearing demand	$ 973,388	$ 1,040,411
Interest-bearing:
Checking	2,155,193	1,855,215
Money market	1,306,610	1,248,942
Savings	498,397	487,742
Time	683,850	792,069
Total deposits	$ 5,617,438	$ 5,424,379

SHORT-TERM BORROWINGS

9 Months Ended

Sep. 30, 2026

Debt Disclosure [Abstract]

SHORT-TERM BORROWINGS

The following table summarizes our short-term borrowings as of September 30, 2026 and December 31, 2025:



(dollars in thousands)	September 30, 2026		December 31, 2025
Securities sold under repurchase agreements	$	6,499	$	10,181
AFX borrowings	145,000		50,000
Total short-term borrowings	$	151,499	$	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 0.23% and 0.26% at September 30, 2026 and December 31, 2025, respectively. Investment securities with a carrying amount of $7.8 million and $12.2 million at September 30, 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 3.945% to 3.95% at September 30, 2026 and 3.695% to 3.74% at December 31, 2025.

FHLB ADVANCES

9 Months Ended

Sep. 30, 2026

FHLB ADVANCES

FHLB ADVANCES

The following table summarizes our FHLB advances as of September 30, 2026 and December 31, 2025:


(dollars in thousands)	September 30, 2026		December 31, 2025


FHLB advances – fixed rate, fixed term at rates averaging 4.01% and 4.08% at September 30, 2026 and December 31, 2025, respectively - maturing through October 2029	$	108,000	$	168,000
FHLB advances – putable fixed rate at rates averaging 3.90% and 4.00% at September 30, 2026 and December 31, 2025, respectively – maturing through May 2036 with call provisions through November 2026	90,000		125,000

FHLB advances – short term fixed rate at a rate of 4.02% at September 30, 2026 - maturing through October 2026	155,000		—
Total FHLB advances	$	353,000	$	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 $2.62 billion and $2.87 billion at September 30, 2026 and December 31, 2025, respectively. Based on this collateral, the Company was eligible to borrow $0.70 billion from the FHLB at September 30, 2026.

REVENUE FROM CONTRACTS WITH CUSTOMERS (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Disaggregation of Revenue [Line Items]
Noninterest income - out-of-scope of Topic 606	$ 6,148	$ 4,107	$ 19,362	$ 15,591
Total noninterest income	23,237	20,016	69,127	61,313
Trust management/administration fees
Disaggregation of Revenue [Line Items]
Revenue	7,432	6,975	22,275	19,854
Investment advisory and brokerage fees
Disaggregation of Revenue [Line Items]
Revenue	716	597	1,988	1,602
Other
Disaggregation of Revenue [Line Items]
Revenue	503	445	1,404	1,290
Nonsufficient fund fees
Disaggregation of Revenue [Line Items]
Revenue	2,441	2,235	6,691	6,206
Other
Disaggregation of Revenue [Line Items]
Revenue	1,334	1,364	3,888	4,049
Interchange revenues
Disaggregation of Revenue [Line Items]
Revenue	3,984	3,444	11,065	10,059
Merchant services revenue
Disaggregation of Revenue [Line Items]
Revenue	275	376	954	1,073
Other
Disaggregation of Revenue [Line Items]
Revenue	$ 404	$ 473	$ 1,500	$ 1,589

CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY — (UNAUDITED) (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Statement of Stockholders' Equity [Abstract]
Common dividend declared, per share (in dollars per share)	$ 0.33	$ 0.32	$ 0.97	$ 0.94
Preferred dividend declared, per share (in dollars per share)	$ 19.375	$ 19.375	$ 58.125	$ 58.125

PREMISES, EQUIPMENT AND LEASES (Tables)

9 Months Ended

Sep. 30, 2026

Property, Plant, and Equipment [Abstract]

Summary of Premises and Equipment

A summary of premises, equipment and leases at September 30, 2026 and December 31, 2025 is as follows:


	September 30,		December 31,
(dollars in thousands)	2026		2025
Land	$	15,856	$	15,856
Buildings and improvements	86,858		86,429
Furniture and equipment	38,479		38,303
Lease right-of-use assets	7,710		8,117
Total	148,903		148,705
Accumulated depreciation	(66,468)		(63,571)
Premises and equipment, net	$	82,435	$	85,134

Summary of Information Related to Operating Leases

Information related to operating leases for the three and nine months ended September 30, 2026 and 2025 was as follows:


	Three Months Ended September 30,						Nine Months Ended September 30,
(dollars in thousands)	2026			2025			2026			2025
Operating lease cost	$	520		$	483		$	1,508		$	1,461
Operating cash flows from leases	504			464			1,545			1,467
Right-of-use assets obtained in exchange for lease obligations	820			36			948			873
Right-of-use assets derecognized due to termination	111			—			111			—
Weighted average remaining lease term	5.8 years			6.3 years			5.8 years			6.3 years
Weighted average discount rate	3.96		%	3.72		%	3.96		%	3.72		%

Summary of Projected Minimum Rental Payments

The projected minimum rental payments under the terms of the leases as of September 30, 2026 were as follows:


(dollars in thousands)	Amount
Year ending December 31:
2026 remaining	$	357
2027	1,863
2028	1,817
2029	1,608
2030	1,061
Thereafter	2,573
Total future minimum lease payments	9,279
Less imputed interest	(1,045)
Total operating lease liabilities	$	8,234

DERIVATIVE INSTRUMENTS (Tables)

9 Months Ended

Sep. 30, 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.


	September 30, 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	$	7,410	$	—	$	177,600	$	608	$	2,901	$	228,157
Cash flow hedges
Investment securities available for sale	2,088		—		240,000		754		—		90,000
Pools of commercial and commercial real estate loans	323		903		283,000		1,528		1,180		300,000
FHLB advances, brokered CDs and other borrowings	1,313		—		100,000		29		502		125,000
Total derivatives designated as accounting hedges	$	11,134	$	903	$	800,600	$	2,919	$	4,583	$	743,157
Derivatives not designated as accounting hedges:
Interest rate contracts
Swaps	$	595	$	595	$	62,463	$	395	$	395	$	52,637
Interest rate lock commitments	—		13		6,559		137		—		4,594
Forward commitments to sell mortgage-backed securities	209		—		8,250		—		21		9,179
Total derivatives not designated as accounting hedges	$	804	$	608	$	77,272	$	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)	September 30, 2026		December 31, 2025		September 30, 2026		December 31, 2025

Investment securities available for sale	$	165,454	$	352,968	$	7,410	$	(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 September 30,
Gain (loss) on fair value hedging relationships
Interest rate contracts
Fixed-rate mortgage-backed securities	Interest income on investment securities available for sale	$	6,592	$	(328)	Interest income on investment securities available for sale	$	(6,638)	$	391


Nine Months Ended September 30,
Gain (loss) on fair value hedging relationships
Interest rate contracts
Fixed-rate mortgage-backed securities	Interest income on investment securities available for sale	$	9,703	$	(5,322)	Interest income on investment securities available for sale	$	(9,571)	$	5,431

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 September 30,
Gain (loss) on cash flow hedging relationships
Interest rate contracts
Pools of commercial and commercial real estate loans	$	(325)	$	3		Interest income on loans		$	(112)	$	(111)
Investment securities available for sale	(517)		(356)			Interest income on investment securities available for sale		(75)		(55)
FHLB advances, brokered CDs and other borrowings	763		(86)			Interest expense		(31)		(31)

Total gain (loss) on cash flow hedging relationships	$	(79)	$	(439)				$	(218)	$	(197)


Nine Months Ended September 30,
Gain (loss) on cash flow hedging relationships
Interest rate contracts
Pools of commercial and commercial real estate loans	$	(928)	$	1,358		Interest income on loans		$	(331)	$	(1,857)
Investment securities available for sale	(948)		161			Interest income on investment securities available for sale		(183)		(32)
FHLB advances, brokered CDs and other borrowings	1,785		(871)			Interest expense		(91)		213
FHLB advances, brokered CDs and other borrowings	(154)		—			Noninterest expense		(154)		—
Total gain (loss) on cash flow hedging relationships	$	(245)	$	648				$	(759)	$	(1,676)

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


		Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands)	Location of gain (loss) recognized in income on derivative	2026		2025		2026		2025

Gain (loss) on derivative instruments not designated as accounting hedges
Interest rate contracts	Residential mortgage banking revenue	$	(9)	$	45	$	80	$	104

Total gain (loss) on derivative instruments not designated as accounting hedges		$	(9)	$	45	$	80	$	104

PREMISES, EQUIPMENT AND LEASES - Premises and Equipment (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Property, Plant, and Equipment [Line Items]
Lease right-of-use assets	$ 7,710	$ 8,117
Total	148,903	148,705
Accumulated depreciation	(66,468)	(63,571)
Premises and equipment, net	82,435	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	86,858	86,429
Furniture and equipment
Property, Plant, and Equipment [Line Items]
Premises and equipment gross	$ 38,479	$ 38,303

- Definition

Amount of accumulated depreciation, depletion, and amortization of property, plant, and equipment. Includes, but is not limited to, land and land improvement; building; machinery and equipment; furniture and fixture; and work of art, historical treasure, or similar asset classified as collection.

+ References + Details

- 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/2009/role/commonPracticeRef
-Topic 905
-SubTopic 360
-Name Accounting Standards Codification
-Section 25
-Paragraph 4
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-URI https://asc.fasb.org/1943274/2147478704/905-360-25-4

Reference 2: http://www.xbrl.org/2003/role/exampleRef
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Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 7: http://www.xbrl.org/2003/role/exampleRef
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Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

- Definition

Amount, after accumulated depreciation, depletion, and amortization, of property, plant, and equipment. Includes, but is not limited to, land and land improvement; building; machinery and equipment; furniture and fixture; and work of art, historical treasure, or similar asset classified as collection.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 360
-SubTopic 10
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-Section 50
-Paragraph 1
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
-Paragraph 7A
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Reference 8: http://www.xbrl.org/2003/role/exampleRef
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+ Details

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Tables)

9 Months Ended

Sep. 30, 2026

Commitments and Contingencies Disclosure [Abstract]

Schedule of Loan Commitments

The following table summarizes commitments to extend credit and standby letters of credit as of September 30, 2026 and December 31, 2025:


(dollars in thousands)	September 30, 2026		December 31, 2025
Commitments to extend credit	$	913,843	$	821,801
Financial guarantees – standby letters of credit	44,283		30,808

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME — (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Statement of Comprehensive Income [Abstract]
Net income (loss)	$ 22,808	$ 7,557	$ 61,159	$ (121,393)
Investment securities available for sale:
Unrealized gains (losses) that occurred during the period	(75,464)	15,202	(87,904)	23,684
Reclassification adjustment for realized net (gains) losses on sales of investment securities included in net income	0	(14)	1,731	(14)
Reclassification adjustment for (gains) losses on fair value hedges included in net income	46	(63)	(132)	(109)
Income tax effect	21,042	(3,925)	24,041	(6,294)
Change in investment securities available for sale, net of tax	(54,376)	11,200	(62,264)	17,267
Cash flow hedges:
Net unrealized derivative gains (losses) on cash flow hedges	(79)	(439)	(245)	648
Reclassification adjustment for net losses realized in net income	218	197	759	1,676
Income tax effect	(29)	64	(114)	(597)
Change in cash flow hedges, net of tax	110	(178)	400	1,727
Other comprehensive income (loss), net of tax	(54,266)	11,022	(61,864)	18,994
Total comprehensive income (loss)	$ (31,458)	$ 18,579	$ (705)	$ (102,399)

LOANS - Impaired Loans with Interest Recognized (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Interest income :
Interest income recognized on nonaccrual loans	$ 0	$ 0	$ 0	$ 0

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)	(121,393)				(121,393)
Other comprehensive income (loss)	18,994					18,994
Common dividends declared	(20,584)				(20,584)
Preferred dividends declared	(6,685)				(6,685)
Share-based compensation expense	2,185			2,185
Issuance of common stock under employee benefit plans (in shares)		49,072
Issuance of common stock under employee benefit plans	637			637
Ending Balance (in shares) at Sep. 30, 2025		21,543,557
Ending Balance at Sep. 30, 2025	584,001	$ 215	110,548	437,168	99,036	(62,966)
Beginning Balance (in shares) at Jun. 30, 2025		21,515,138
Beginning Balance at Jun. 30, 2025	573,705	$ 215	110,548	436,205	100,725	(73,988)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	7,557				7,557
Other comprehensive income (loss)	11,022					11,022
Common dividends declared	(7,017)				(7,017)
Preferred dividends declared	(2,229)				(2,229)
Share-based compensation expense	651			651
Issuance of common stock under employee benefit plans (in shares)		28,419
Issuance of common stock under employee benefit plans	312			312
Ending Balance (in shares) at Sep. 30, 2025		21,543,557
Ending Balance at Sep. 30, 2025	$ 584,001	$ 215	110,548	437,168	99,036	(62,966)
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)	61,159				61,159
Other comprehensive income (loss)	(61,864)					(61,864)
Common dividends declared	(20,698)				(20,698)
Preferred dividends declared	(6,685)				(6,685)
Common stock repurchased, including excise tax (in shares)		(479,216)
Common stock repurchased, including excise tax	(10,657)	$ (5)		(10,652)
Share-based compensation expense	2,330			2,330
Issuance of common stock under employee benefit plans (in shares)		111,221
Issuance of common stock under employee benefit plans	$ 2,283	$ 1		2,282
Ending Balance (in shares) at Sep. 30, 2026	20,801,859	20,801,859
Ending Balance at Sep. 30, 2026	$ 531,367	$ 208	110,548	422,207	120,601	(122,197)
Beginning Balance (in shares) at Jun. 30, 2026		20,725,814
Beginning Balance at Jun. 30, 2026	569,688	$ 207	110,548	419,832	107,032	(67,931)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	22,808				22,808
Other comprehensive income (loss)	(54,266)					(54,266)
Common dividends declared	(7,010)				(7,010)
Preferred dividends declared	(2,229)				(2,229)
Common stock repurchased, including excise tax (in shares)		(501)
Common stock repurchased, including excise tax	11			11
Share-based compensation expense	810			810
Issuance of common stock under employee benefit plans (in shares)		76,546
Issuance of common stock under employee benefit plans	$ 1,555	$ 1		1,554
Ending Balance (in shares) at Sep. 30, 2026	20,801,859	20,801,859
Ending Balance at Sep. 30, 2026	$ 531,367	$ 208	$ 110,548	$ 422,207	$ 120,601	$ (122,197)

FHLB ADVANCES (Tables)

9 Months Ended

Sep. 30, 2026

FHLB ADVANCES

Schedule of Federal Home Loan Bank (FHLB) Advances

The following table summarizes our FHLB advances as of September 30, 2026 and December 31, 2025:


(dollars in thousands)	September 30, 2026		December 31, 2025


FHLB advances – fixed rate, fixed term at rates averaging 4.01% and 4.08% at September 30, 2026 and December 31, 2025, respectively - maturing through October 2029	$	108,000	$	168,000
FHLB advances – putable fixed rate at rates averaging 3.90% and 4.00% at September 30, 2026 and December 31, 2025, respectively – maturing through May 2036 with call provisions through November 2026	90,000		125,000

FHLB advances – short term fixed rate at a rate of 4.02% at September 30, 2026 - maturing through October 2026	155,000		—
Total FHLB advances	$	353,000	$	293,000

INVESTMENT SECURITIES - Narrative (Details)	Sep. 30, 2026 security
Investments, Debt and Equity Securities [Abstract]
Number of securities in unrealized loss position (in security)	415
Aggregate depreciation percentage	9.78%

SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended
SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025	Mar. 31, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Segment Reporting [Abstract]
Number Of Reportable Segments, Disclosed By Definition, Flag				true
Segment Reporting [Line Items]
Interest income	$ 93,021	$ 98,493		$ 267,220	$ 295,772
Interest expense	30,299	37,376		87,492	117,670
Net interest income	62,722	61,117		179,728	178,102
Provision for credit losses	3,735	20,005		15,557	48,224
Wealth management revenue	8,651	8,018		25,667	22,747
Other noninterest income	14,586	11,998		43,460	38,566
Total noninterest income	23,237	20,016		69,127	61,313
Salaries and employee benefits	28,500	26,393		82,011	78,494
Depreciation expense	1,218	1,216		3,649	3,672
Amortization of intangible assets	646	743		2,027	2,481
Impairment on goodwill	0	0	$ 154,000	0	153,977
Other noninterest expense	22,479	21,462		66,335	64,187
Total noninterest expense	52,843	49,814		154,022	302,811
Income (loss) before income taxes	29,381	11,314		79,276	(111,620)
Income tax expense (benefit)	6,573	3,757		18,117	9,773
Net income (loss)	22,808	7,557		61,159	(121,393)
Total assets	6,816,842	6,911,515		6,816,842	6,911,515	$ 6,513,420
Banking
Segment Reporting [Line Items]
Interest income	93,021	98,493		267,220	295,772
Interest expense	28,912	35,011		83,362	110,620
Net interest income	64,109	63,482		183,858	185,152
Provision for credit losses	3,735	20,005		15,557	48,224
Wealth management revenue	0	0		0	0
Other noninterest income	14,719	13,861		46,069	42,183
Total noninterest income	14,719	13,861		46,069	42,183
Salaries and employee benefits	23,881	22,206		68,311	66,450
Depreciation expense	1,206	1,204		3,615	3,639
Amortization of intangible assets	412	492		1,313	1,708
Impairment on goodwill					153,977
Other noninterest expense	21,565	20,727		62,964	61,560
Total noninterest expense	47,064	44,629		136,203	287,334
Income (loss) before income taxes	28,029	12,709		78,167	(108,223)
Income tax expense (benefit)	6,792	1,614		17,554	7,758
Net income (loss)	21,237	11,095		60,613	(115,981)
Total assets	6,830,426	6,922,827		6,830,426	6,922,827
Wealth Management
Segment Reporting [Line Items]
Interest income	0	0		0	0
Interest expense	13	20		47	55
Net interest income	(13)	(20)		(47)	(55)
Provision for credit losses	0	0		0	0
Wealth management revenue	8,651	8,018		25,667	22,747
Other noninterest income	0	0		0	0
Total noninterest income	8,651	8,018		25,667	22,747
Salaries and employee benefits	4,619	4,187		13,700	12,044
Depreciation expense	12	12		34	33
Amortization of intangible assets	234	251		714	773
Impairment on goodwill					0
Other noninterest expense	1,491	1,463		4,917	4,894
Total noninterest expense	6,356	5,913		19,365	17,744
Income (loss) before income taxes	2,282	2,085		6,255	4,948
Income tax expense (benefit)	1,878	99		3,527	1,387
Net income (loss)	404	1,986		2,728	3,561
Total assets	39,547	35,589		39,547	35,589
Corporate
Segment Reporting [Line Items]
Interest income	0	0		0	0
Interest expense	1,374	2,345		4,083	6,995
Net interest income	(1,374)	(2,345)		(4,083)	(6,995)
Provision for credit losses	0	0		0	0
Wealth management revenue	0	0		0	0
Other noninterest income	(133)	(1,863)		(2,609)	(3,617)
Total noninterest income	(133)	(1,863)		(2,609)	(3,617)
Salaries and employee benefits	0	0		0	0
Depreciation expense	0	0		0	0
Amortization of intangible assets	0	0		0	0
Impairment on goodwill					0
Other noninterest expense	(577)	(728)		(1,546)	(2,267)
Total noninterest expense	(577)	(728)		(1,546)	(2,267)
Income (loss) before income taxes	(930)	(3,480)		(5,146)	(8,345)
Income tax expense (benefit)	(2,097)	2,044		(2,964)	628
Net income (loss)	1,167	(5,524)		(2,182)	(8,973)
Total assets	$ (53,131)	$ (46,901)		$ (53,131)	$ (46,901)

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		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Fair Value, Option, Quantitative Disclosures [Line Items]
Aggregate fair value	$ 4,580		$ 4,580		$ 7,781
Difference	51		51		390
Contractual principal	4,529		4,529		$ 7,391
Gains and losses from fair value changes
Residential loans held for sale	$ (289)	$ (56)	$ (324)	$ 80

- 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
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Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
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-Paragraph 2
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

+ Details

LOANS

9 Months Ended

Sep. 30, 2026

Receivables [Abstract]

LOANS

The following table presents total loans outstanding by portfolio class, as of September 30, 2026 and December 31, 2025:


(dollars in thousands)	September 30, 2026		December 31, 2025
Commercial:
Commercial	$	1,073,651	$	1,062,691
Commercial other	110,162		115,830
Commercial real estate:
Commercial real estate non-owner occupied	1,477,074		1,447,894
Commercial real estate owner occupied	397,372		444,443
Multi-family	388,328		383,377
Farmland	69,704		66,950
Construction and land development	249,268		286,140
Total commercial loans	3,765,559		3,807,325
Residential real estate:
Residential first lien	288,181		286,178
Other residential	69,840		63,445
Consumer:
Consumer	84,510		99,692
Consumer other	44,399		44,383
Lease financing	30,339		50,981
Total loans	$	4,282,828	$	4,352,004

Total loans included net deferred loan fees of $8.2 million at both September 30, 2026 and December 31, 2025, and unearned discounts of $2.4 million and $4.7 million within the lease financing portfolio at September 30, 2026 and December 31, 2025, respectively.

Classifications of Loan Portfolio

The Company monitors the performance of its loan portfolio, assesses the credit risk, and estimates its allowance for credit losses on loans using the segments set forth below.

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 and nine months ended September 30, 2026 and 2025, are summarized as follows:


	Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands)	2026		2025		2026		2025
Beginning balance	$	38,788	$	44,486	$	46,999	$	40,410
New loans and other additions	—		1,352		496		7,027
Repayments and other reductions	(413)		(377)		(9,120)		(1,976)
Ending balance	$	38,375	$	45,461	$	38,375	$	45,461

The following table represents, by loan portfolio segment, a summary of changes in the allowance for credit losses on loans for the three and nine months ended September 30, 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
Changes in allowance for credit losses on loans for the three months ended September 30, 2026:
Balances, June 30, 2026	$	23,142	$	25,326	$	2,010	$	5,604	$	3,893	$	2,544	$	62,519
Provision for credit losses on loans	2,691		1,533		(76)		(1,064)		655		(54)		3,685
Charge-offs	(2,118)		(3,296)		—		(17)		(1,017)		(1,072)		(7,520)
Recoveries	433		829		—		245		226		435		2,168
Balances, September 30, 2026	$	24,148	$	24,392	$	1,934	$	4,768	$	3,757	$	1,853	$	60,852

Changes in allowance for credit losses on loans for the nine months ended September 30, 2026:
Balances, December 31, 2025	$	23,676	$	28,284	$	2,619	$	6,652	$	4,804	$	3,184	$	69,219
Provision for credit losses on loans	7,156		10,859		(650)		(2,192)		892		132		16,197
Charge-offs	(7,744)		(15,963)		(35)		(82)		(2,462)		(2,143)		(28,429)
Recoveries	1,060		1,212		—		390		523		680		3,865
Balances, September 30, 2026	$	24,148	$	24,392	$	1,934	$	4,768	$	3,757	$	1,853	$	60,852

Changes in allowance for credit losses on loans for the three months ended September 30, 2025:
Balances, June 30, 2025	$	34,179	$	27,439	$	2,869	$	7,104	$	5,704	$	15,395	$	92,690
Provision for credit losses on loans	7,841		2,678		1,480		(711)		116		9,101		20,505
Charge-offs	(4,301)		(3,798)		(2,901)		(54)		(897)		(4,088)		(16,039)
Recoveries	1,320		494		1,122		54		103		637		3,730
Balances, September 30, 2025	$	39,039	$	26,813	$	2,570	$	6,393	$	5,026	$	21,045	$	100,886

Changes in allowance for credit losses on loans for the nine months ended September 30, 2025:
Balances, December 31, 2024	$	42,776	$	36,837	$	3,550	$	8,002	$	5,400	$	14,639	$	111,204
Provision for credit losses on loans	17,196		15,817		(231)		(1,645)		1,352		16,235		48,724
Charge-offs	(23,762)		(26,974)		(2,901)		(126)		(2,234)		(11,422)		(67,419)
Recoveries	2,829		1,133		2,152		162		508		1,593		8,377
Balances, September 30, 2025	$	39,039	$	26,813	$	2,570	$	6,393	$	5,026	$	21,045	$	100,886

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	Other loans 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 nonaccrual loans as of September 30, 2026 and December 31, 2025:


	September 30, 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	$	4,307	$	7,292	$	11,599	$	3,370	$	3,849	$	7,219
Commercial other	558		—		558		1,040		2,157		3,197
Commercial real estate:
Commercial real estate non-owner occupied	14,928		12,549		27,477		1,537		13,547		15,084
Commercial real estate owner occupied	2,055		1,595		3,650		3,455		8,684		12,139
Multi-family	—		5,067		5,067		14,336		2,112		16,448
Farmland	1,192		—		1,192		1,260		402		1,662
Construction and land development	—		—		—		155		—		155
Total commercial loans	23,040		26,503		49,543		25,153		30,751		55,904
Residential real estate:
Residential first lien	2,795		766		3,561		3,087		313		3,400
Other residential	548		—		548		426		—		426
Consumer:
Consumer	45		—		45		47		—		47

Lease financing	1,466		—		1,466		1,162		—		1,162
Total loans	$	27,894	$	27,269	$	55,163	$	29,875	$	31,064	$	60,939

There was no interest income recognized on nonaccrual loans during the three and nine months ended September 30, 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.

The table below presents the amortized cost basis of collateral dependent loans by loan class, for borrowers experiencing financial difficulty, as of September 30, 2026 and December 31, 2025:


	Type of Collateral
(dollars in thousands)	Real Estate		Blanket Lien		Equipment		Total
September 30, 2026
Commercial:
Commercial	$	3,443	$	6,400	$	680	$	10,523
Commercial other	—		65		—		65
Commercial real estate:
Non-owner occupied	26,263		—		—		26,263
Owner occupied	909		1,595		—		2,504
Multi-family	5,067		—		—		5,067


Residential real estate:
Residential first lien	1,140		—		—		1,140
Other residential	141		—		—		141

Total collateral dependent loans	$	36,963	$	8,060	$	680	$	45,703

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 September 30, 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	$	1,062,025	$	27	$	—	$	—	$	27	$	11,599	$	1,073,651
Commercial other	100,322		3,820		2,420		3,042		9,282		558		110,162
Commercial real estate:
Commercial real estate non-owner occupied	1,449,597		—		—		—		—		27,477		1,477,074
Commercial real estate owner occupied	393,276		368		78		—		446		3,650		397,372
Multi-family	383,261		—		—		—		—		5,067		388,328
Farmland	68,512		—		—		—		—		1,192		69,704
Construction and land development	249,268		—		—		—		—		—		249,268
Total commercial loans	3,706,261		4,215		2,498		3,042		9,755		49,543		3,765,559
Residential real estate:
Residential first lien	283,383		—		753		484		1,237		3,561		288,181
Other residential	69,028		212		52		—		264		548		69,840
Consumer:
Consumer	84,263		185		17		—		202		45		84,510
Consumer other	43,647		523		229		—		752		—		44,399
Lease financing	28,453		271		148		1		420		1,466		30,339
Total loans	$	4,215,035	$	5,406	$	3,697	$	3,527	$	12,630	$	55,163	$	4,282,828

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 and nine months ended September 30, 2026 and 2025:


	Three Months Ended September 30,						Nine Months Ended September 30,
	2026			2025			2026			2025
(dollars in thousands)	Balance		Count	Balance		Count	Balance		Count	Balance		Count
Commercial:
Commercial	$	6,263	4	$	10,901	2	$	10,652	6	$	11,949	4
Commercial other	—		—	—		—	—		—	845		4
Commercial real estate:
Commercial real estate non-owner occupied	—		—	8,069		2	7,706		1	8,069		2

Multi-family	—		—	—		—	14,113		2	—		—
Farmland	—		—	120		1	45		1	387		2
Construction and land development	—		—	1,571		1	—		—	1,571		1
Total commercial loans	6,263		4	20,661		6	32,516		10	22,821		13
Residential real estate:
Residential first lien	—		—	20		1	37		1	162		4
Other residential	—		—	—		—	—		—	10		1




Total loan restructurings	$	6,263	4	$	20,681	7	$	32,553	11	$	22,993	18

The following tables present a summary of loan restructurings, by loan portfolio segment and type of restructuring, for the three and nine months ended September 30, 2026:


	Three Months Ended September 30, 2026
(dollars in thousands)	Payment Deferral ($)		Term Extension ($)		Total Modifications ($)		Total Class of Financing Receivable (%)
Commercial:
Commercial	$	—	$	6,263	$	6,263	0.58	%







Total commercial loans	$	—	$	6,263	$	6,263	0.17	%







Total	$	—	$	6,263	$	6,263	0.15	%


	Nine Months Ended September 30, 2026
(dollars in thousands)	Payment Deferral ($)		Term Extension ($)		Total Modifications ($)		Total Class of Financing Receivable (%)
Commercial:
Commercial	$	2,089	$	8,563	$	10,652	0.99	%

Commercial real estate:
Commercial real estate non-owner occupied	—		7,706		7,706		0.52

Multi-family	5,113		9,000		14,113		3.63
Farmland	—		45		45		0.06

Total commercial loans	$	7,202	$	25,314	$	32,516	0.86	%
Residential real estate:
Residential first lien	—		37		37		0.01





Total	$	7,202	$	25,351	$	32,553	0.76	%

The following tables present a summary of loan restructurings, by loan portfolio segment and type of restructuring, for the three and nine months ended September 30, 2025:


			Three Months Ended September 30, 2025
(dollars in thousands)	Payment Deferral ($)		Term Extension ($)		Interest Rate Reduction / Term Extension ($)		Total Modifications ($)		Total Class of Financing Receivable (%)
Commercial:
Commercial	$	—	$	10,901	$	—	$	10,901	1.03	%

Commercial real estate:
Commercial real estate non-owner occupied	—		50		8,019		8,069		0.56


Farmland	120		—		—		120		0.18
Construction & land development	—		1,571		—		1,571		0.55
Total commercial loans	$	120	$	12,522	$	8,019	$	20,661	0.54	%
Residential real estate:
Residential first lien	—		20		—		20		0.01





Total	$	120	$	12,542	$	8,019	$	20,681	0.48	%


			Nine Months Ended September 30, 2025
(dollars in thousands)	Payment Deferral ($)		Term Extension ($)		Interest Rate Reduction ($)		Interest Rate Reduction / Term Extension ($)		Payment Deferral / Term Extension ($)		Total Modifications ($)		Total Class of Financing Receivable (%)
Commercial
Commercial	$	—	$	11,949	$	—	$	—	$	—	$	11,949	1.12	%
Commercial other	—		—		294		—		551		845		0.73
Commercial real estate:
Commercial real estate non-owner occupied	—		50		—		8,019		—		8,069		0.56


Farmland	120		—		—		—		267		387		0.58
Construction & land development	—		1,571		—		—		—		1,571		0.55
Total commercial loans	$	120	$	13,570	$	294	$	8,019	$	818	$	22,821	0.60	%
Residential real estate:
Residential first lien	—		162		—		—		—		162		0.06
Other residential	—		10		—		—		—		10		0.02




Total	$	120	$	13,742	$	294	$	8,019	$	818	$	22,993	0.53	%

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 September 30, 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	$	—	$	—	$	—	$	—	$	10,737	$	10,737

Commercial real estate:
Commercial real estate non-owner occupied	—		—		—		—		19,462		19,462

Multi-family	—		—		—		—		14,113		14,113
Farmland	—		—		—		—		45		45

Total commercial loans	—		—		—		—		44,357		44,357
Residential real estate:
Residential first lien	—		—		—		—		56		56





Total loan restructurings	$	—	$	—	$	—	$	—	$	44,413	$	44,413

The following table presents the performance of such loans that have been modified in the last twelve months as of September 30, 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	$	—	$	—	$	—	$	—	$	11,949	$	11,949
Commercial other	—		—		—		—		845		845
Commercial real estate:
Commercial real estate non-owner occupied	—		—		—		—		17,920		17,920


Farmland	—		—		—		—		387		387
Construction and land development	—		—		—		—		1,571		1,571
Total commercial loans	—		—		—		—		32,672		32,672
Residential real estate:
Residential first lien	—		6		66		72		473		545
Other residential	—		—		—		—		10		10
Consumer:
Consumer	—		—		—		—		6		6

Lease financing	—		—		430		430		169		599
Total loan restructurings	$	—	$	6	$	496	$	502	$	33,330	$	33,832

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, the specialty finance division historically provided nationwide bridge lending for FHA and HUD developments, primarily multi-family, assisted and senior living and multi-use properties. The Company ceased originating new construction loans in the fourth quarter of 2024. 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 September 30, 2026 and December 31, 2025:


			September 30, 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	$	157,109	$	368,109	$	69,030	$	24,297	$	11,315	$	38,712	$	382,650	$	1,051,222
		Special mention	48		—		—		—		—		—		541		589
		Substandard	4,463		—		40		5,238		—		—		500		10,241
		Substandard – nonaccrual	—		—		184		993		3,867		4,229		2,326		11,599
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	161,620		368,109		69,254		30,528		15,182		42,941		386,017		1,073,651

	Commercial other	Acceptable credit quality	3,757		2,105		1,208		908		2,355		516		97,854		108,703
		Special mention	—		—		—		47		15		48		590		700
		Substandard	—		—		—		179		—		—		22		201
		Substandard – nonaccrual	—		—		—		286		173		—		99		558
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	3,757		2,105		1,208		1,420		2,543		564		98,565		110,162

Commercial real estate	Non-owner occupied	Acceptable credit quality	250,683		292,804		223,874		101,589		266,079		236,984		10,297		1,382,310
		Special mention	—		2,965		5,213		—		11,119		12,248		—		31,545
		Substandard	11,890		326		18		—		7,967		15,541		—		35,742
		Substandard – nonaccrual	—		82		14,680		—		8,047		4,668		—		27,477
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	262,573		296,177		243,785		101,589		293,212		269,441		10,297		1,477,074

	Owner occupied	Acceptable credit quality	100,943		74,958		40,045		21,445		77,905		73,129		2,382		390,807
		Special mention	—		—		—		—		—		604		—		604
		Substandard	692		—		355		—		—		1,264		—		2,311
		Substandard – nonaccrual	—		909		67		299		1,645		426		304		3,650
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	101,635		75,867		40,467		21,744		79,550		75,423		2,686		397,372

	Multi-family	Acceptable credit quality	60,429		96,241		20,965		9,660		138,868		16,720		803		343,686
		Special mention	—		1,200		—		7,455		9,000		—		—		17,655
		Substandard	5,113		—		—		—		16,779		28		—		21,920
		Substandard – nonaccrual	—		—		—		—		4,479		588		—		5,067
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	65,542		97,441		20,965		17,115		169,126		17,336		803		388,328

	Farmland	Acceptable credit quality	16,587		19,288		1,711		6,031		3,075		19,659		1,755		68,106
		Special mention	239		—		—		—		—		92		—		331
		Substandard	—		—		—		—		—		75		—		75
		Substandard – nonaccrual	—		—		—		—		—		1,144		48		1,192
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	16,826		19,288		1,711		6,031		3,075		20,970		1,803		69,704

Construction and land development		Acceptable credit quality	42,742		81,879		27,624		12,195		27,436		28,803		19,758		240,437
		Special mention	—		—		—		—		—		2		—		2
		Substandard	—		—		—		—		—		66		—		66
		Substandard – nonaccrual	—		—		—		—		—		—		—		—
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	3,376		4,570		392		219		141		65		—		8,763
		Subtotal	46,118		86,449		28,016		12,414		27,577		28,936		19,758		249,268

Total		Acceptable credit quality	632,250		935,384		384,457		176,125		527,033		414,523		515,499		3,585,271
		Special mention	287		4,165		5,213		7,502		20,134		12,994		1,131		51,426
		Substandard	22,158		326		413		5,417		24,746		16,974		522		70,556
		Substandard – nonaccrual	—		991		14,931		1,578		18,211		11,055		2,777		49,543
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	3,376		4,570		392		219		141		65		—		8,763
Total commercial loans			$	658,071	$	945,436	$	405,406	$	190,841	$	590,265	$	455,611	$	519,929	$	3,765,559


			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 and nine months ended September 30, 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 September 30, 2026
Commercial	Commercial	$	—	$	—	$	—	$	15	$	20	$	34	$	—	$	69
	Commercial other	3		6		2		2		6		22		2,008		2,049
Commercial real estate	Non-owner occupied	—		—		—		—		—		1,105		—		1,105
	Owner occupied	—		—		—		—		19		—		—		19
	Multi-family	—		—		—		—		2,147		—		—		2,147
	Farmland	—		—		—		—		—		25		—		25

Total gross commercial charge-offs		$	3	$	6	$	2	$	17	$	2,192	$	1,186	$	2,008	$	5,414



For the nine months ended September 30, 2026
Commercial	Commercial	$	—	$	—	$	—	$	15	$	20	$	272	$	—	$	307
	Commercial Other	6		34		14		110		625		40		6,608		7,437
Commercial Real Estate	Non-owner occupied	—		—		—		—		—		4,055		—		4,055
	Owner occupied	—		—		—		—		19		—		—		19
	Multi-family	—		—		—		—		11,864		—		—		11,864
	Farmland	—		—		—		—		—		25		—		25
Construction and land development		—		—		35		—		—		—		—		35
Total gross commercial charge-offs		$	6	$	34	$	49	$	125	$	12,528	$	4,392	$	6,608	$	23,742


		Term Loans by Origination Year
(dollars in thousands)		2025		2024		2023		2022		2021		Prior		Revolving Loans		Total
For the three months ended September 30, 2025
Commercial	Commercial	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
	Commercial other	156		6		880		1,253		102		247		1,657		4,301
Commercial real estate	Non-owner occupied	—		87		—		—		—		1,906		—		1,993
	Owner occupied	—		—		—		1,297		—		8		—		1,305
	Multi-family	—		—		—		500		—		—		—		500

Construction and land development		—		—		—		—		2,860		41		—		2,901
Total gross commercial charge-offs		$	156	$	93	$	880	$	3,050	$	2,962	$	2,202	$	1,657	$	11,000



For the nine months ended September 30, 2025
Commercial	Commercial	$	—	$	—	$	—	$	—	$	—	$	152	$	—	$	152
	Commercial Other	156		62		1,915		3,183		508		364		17,422		23,610
Commercial Real Estate	Non-owner occupied	—		87		—		7,782		—		7,649		—		15,518
	Owner occupied	—		—		—		7,144		—		8		—		7,152
	Multi-family	—		—		—		2,854		—		1,450		—		4,304

Construction and land development		—		—		—		—		2,860		41		—		2,901
Total gross commercial charge-offs		$	156	$	149	$	1,915	$	20,963	$	3,368	$	9,664	$	17,422	$	53,637

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 September 30, 2026 and December 31, 2025:


			September 30, 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	$	22,754	$	6,425	$	26,615	$	35,861	$	56,441	$	136,040	$	—	$	284,136
		Nonperforming	41		—		—		348		1,106		2,550		—		4,045
		Subtotal	22,795		6,425		26,615		36,209		57,547		138,590		—		288,181

	Other residential	Performing	769		3,461		1,877		1,237		402		1,540		60,006		69,292
		Nonperforming	—		—		—		—		—		88		460		548
		Subtotal	769		3,461		1,877		1,237		402		1,628		60,466		69,840

Consumer	Consumer	Performing	8,869		26,886		12,041		10,605		8,665		16,373		1,026		84,465
		Nonperforming	—		—		22		2		4		16		1		45
		Subtotal	8,869		26,886		12,063		10,607		8,669		16,389		1,027		84,510

	Consumer other	Performing	—		—		—		274		27,662		9,157		7,306		44,399
		Nonperforming	—		—		—		—		—		—		—		—
		Subtotal	—		—		—		274		27,662		9,157		7,306		44,399

Leases financing		Performing	505		3,687		5,775		7,138		9,665		2,102		—		28,872
		Nonperforming	—		—		—		911		458		98		—		1,467
		Subtotal	505		3,687		5,775		8,049		10,123		2,200		—		30,339

Total		Performing	32,897		40,459		46,308		55,115		102,835		165,212		68,338		511,164
		Nonperforming	41		—		22		1,261		1,568		2,752		461		6,105
Total other loans			$	32,938	$	40,459	$	46,330	$	56,376	$	104,403	$	167,964	$	68,799	$	517,269


			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 and nine months ended September 30, 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 September 30, 2026
Residential real estate	Residential first lien	$	—	$	—	$	—	$	—	$	—	$	2	$	—	$	2
	Other residential	—		—		—		—		—		—		15		15
Consumer	Consumer	—		17		2		10		—		—		5		34
	Consumer other	167		52		15		21		287		441		—		983
Lease financing		—		—		79		469		316		208		—		1,072
Total gross other charge-offs		$	167	$	69	$	96	$	500	$	603	$	651	$	20	$	2,106



For the nine months ended September 30, 2026
Residential real estate	Residential first lien	$	—	$	—	$	—	$	—	$	59	$	2	$	—	$	61
	Other residential	—		—		—		—		—		—		21		21
Consumer	Consumer	—		27		29		41		2		1		10		110
	Consumer other	197		199		49		55		938		914		—		2,352
Lease financing		—		—		363		710		593		477		—		2,143
Total gross other charge-offs		$	197	$	226	$	441	$	806	$	1,592	$	1,394	$	31	$	4,687


		Term Loans by Origination Year
(dollars in thousands)		2025		2024		2023		2022		2021		Prior		Revolving Loans		Total
For the three months ended September 30, 2025
Residential real estate	Residential first lien	$	—	$	—	$	40	$	—	$	—	$	—	$	—	$	40
	Other residential	—		—		—		—		—		1		13		14
Consumer	Consumer	23		5		9		2		—		—		6		45
	Consumer other	—		27		18		348		139		320		—		852
Lease financing		—		249		1,605		1,843		330		61		—		4,088
Total gross other charge-offs		$	23	$	281	$	1,672	$	2,193	$	469	$	382	$	19	$	5,039



For the nine months ended September 30, 2025
Residential real estate	Residential first lien	$	—	$	—	$	40	$	—	$	—	$	27	$	—	$	67
	Other residential	—		—		—		25		—		2		32		59
Consumer	Consumer	23		35		21		4		—		1		19		103
	Consumer other	26		106		68		632		268		1,031		—		2,131
Lease financing		—		716		5,023		4,261		723		699		—		11,422
Total gross other charge-offs		$	49	$	857	$	5,152	$	4,922	$	991	$	1,760	$	51	$	13,782

REVENUE FROM CONTRACTS WITH CUSTOMERS

9 Months Ended

Sep. 30, 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 and nine months ended September 30, 2026 and 2025:


	Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands)	2026		2025		2026		2025
Noninterest income - in-scope of Topic 606
Wealth management revenue:
Trust management/administration fees	$	7,432	$	6,975	$	22,275	$	19,854
Investment advisory and brokerage fees	716		597		1,988		1,602

Other	503		445		1,404		1,290
Service charges on deposit accounts:
Nonsufficient fund fees	2,441		2,235		6,691		6,206
Other	1,334		1,364		3,888		4,049
Interchange revenues	3,984		3,444		11,065		10,059
Other income:
Merchant services revenue	275		376		954		1,073
Other	404		473		1,500		1,589
Noninterest income - out-of-scope of Topic 606	6,148		4,107		19,362		15,591
Total noninterest income	$	23,237	$	20,016	$	69,127	$	61,313

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, 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

EARNINGS PER COMMON SHARE

9 Months Ended

Sep. 30, 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 and nine months ended September 30, 2026 and 2025:


	Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands, except per share data)	2026		2025		2026		2025
Net income (loss)	$	22,808	$	7,557	$	61,159	$	(121,393)
Preferred dividends declared	(2,229)		(2,229)		(6,685)		(6,685)

Net income (loss) available to common shareholders	20,579		5,328		54,474		(128,078)
Common shareholder dividends	(6,863)		(6,893)		(20,214)		(20,230)
Unvested restricted stock award dividends	(147)		(124)		(484)		(354)
Undistributed earnings to unvested restricted stock awards	(296)		—		(786)		—
Undistributed earnings (loss) to common shareholders	$	13,273	$	(1,689)	$	32,990	$	(148,662)
Basic
Distributed earnings to common shareholders	$	6,863	$	6,893	$	20,214	$	20,230
Undistributed earnings (loss) to common shareholders	13,273		(1,689)		32,990		(148,662)
Total common shareholders earnings (loss), basic	$	20,136	$	5,204	$	53,204	$	(128,432)
Diluted
Distributed earnings to common shareholders	$	6,863	$	6,893	$	20,214	$	20,230
Undistributed earnings (loss) to common shareholders	13,273		(1,689)		32,990		(148,662)
Total common shareholders earnings (loss)	20,136		5,204		53,204		(128,432)
Add back:
Undistributed earnings reallocated from unvested restricted stock awards	—		—		—		—
Total common shareholders earnings (loss), diluted	$	20,136	$	5,204	$	53,204	$	(128,432)
Weighted average common shares outstanding, basic	21,128,351		21,863,911		21,167,256		21,826,566
Dilutive effect of options	11,792		—		—		—
Weighted average common shares outstanding, diluted	21,140,143		21,863,911		21,167,256		21,826,566
Basic earnings (loss) per common share	$	0.95	$	0.24	$	2.51	$	(5.88)
Diluted earnings (loss) per common share	$	0.95	$	0.24	$	2.51	$	(5.88)

Antidilutive stock options (1)	—		228,802		74,339		228,802

(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.

DERIVATIVE INSTRUMENTS - Schedule of Derivative Instruments in Statement of Financial Position (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	$ 11,134	$ 2,919
Liabilities	903	4,583
Notional amount	800,600	743,157
Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	804	532
Liabilities	608	416
Notional amount	77,272	66,410
Investment securities available for sale
Derivatives, Fair Value [Line Items]
Assets	7,410	608
Liabilities	0	2,901
Notional amount	177,600	228,157
Investment securities available for sale \| Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	2,088	754
Liabilities	0	0
Notional amount	240,000	90,000
Pools of commercial and commercial real estate loans \| Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	323	1,528
Liabilities	903	1,180
Notional amount	283,000	300,000
FHLB advances, brokered CDs and other borrowings \| Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	1,313	29
Liabilities	0	502
Notional amount	100,000	125,000
Swaps \| Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	595	395
Liabilities	595	395
Notional amount	62,463	52,637
Interest rate lock commitments \| Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	0	137
Liabilities	13	0
Notional amount	6,559	4,594
Forward commitments to sell mortgage-backed securities \| Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	209	0
Liabilities	0	21
Notional amount	$ 8,250	$ 9,179

FHLB ADVANCES (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances	$ 353,000	$ 293,000
FHLB advances, collateral for mortgage and home equity line of credit loans	2,620,000	2,870,000
Line of credit facility, maximum borrowing capacity	700,000
Midland States Bank \| Fixed rate fixed term maturing October 2029
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances	$ 108,000	$ 168,000
Interest rate	4.01%	4.08%
Midland States Bank \| Putable fixed rate maturing May 2036
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances	$ 90,000	$ 125,000
Interest rate	3.90%	4.00%
Midland States Bank \| Short term fixed rate matured December 2024
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances	$ 155,000	$ 0
Interest rate	4.02%

FAIR VALUE OF FINANCIAL INSTRUMENTS - Carrying values and fair value (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Assets
Accrued interest receivable	$ 27,849	$ 23,824
Liabilities
Trust preferred debentures	52,409	51,857
Level 1
Assets
Cash and due from banks	99,055	127,279
Federal funds sold	557	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	27,849	23,824
Liabilities
Deposits	5,608,501	5,421,497
Short-term borrowings	6,499	10,181
FHLB and other borrowings	350,609	295,047
Subordinated debt	22,178	23,005
Trust preferred debentures	47,277	48,626
Level 3
Assets
Cash and due from banks	0	0
Federal funds sold	0	0
Loans, net	4,065,790	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	99,055	127,279
Federal funds sold	557	532
Loans, net	4,221,976	4,282,785
Accrued interest receivable	27,849	23,824
Liabilities
Deposits	5,617,438	5,424,379
Short-term borrowings	151,499	60,181
FHLB and other borrowings	353,000	293,000
Subordinated debt	27,035	27,019
Trust preferred debentures	52,409	51,857
Fair value
Assets
Cash and due from banks	99,055	127,279
Federal funds sold	557	532
Loans, net	4,065,790	4,229,483
Accrued interest receivable	27,849	23,824
Liabilities
Deposits	5,608,501	5,421,497
Short-term borrowings	151,499	60,181
FHLB and other borrowings	350,609	295,047
Subordinated debt	22,178	23,005
Trust preferred debentures	$ 47,277	$ 48,626

LOANS - Summary of Loans and Credit Losses (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Summary of loans
Loans	$ 4,282,828	$ 4,352,004
Net deferred loan fees	8,200	8,200
Unearned income	2,400	4,700
Commercial Loan Portfolio
Summary of loans
Loans	3,765,559	3,807,325
Lease financing
Summary of loans
Loans	30,339	50,981
Commercial \| Commercial Loan Portfolio
Summary of loans
Loans	1,073,651	1,062,691
Commercial other \| Commercial Loan Portfolio
Summary of loans
Loans	110,162	115,830
Commercial real estate non-owner occupied \| Commercial Loan Portfolio
Summary of loans
Loans	1,477,074	1,447,894
Commercial real estate owner occupied \| Commercial Loan Portfolio
Summary of loans
Loans	397,372	444,443
Multi-family \| Commercial Loan Portfolio
Summary of loans
Loans	388,328	383,377
Farmland \| Commercial Loan Portfolio
Summary of loans
Loans	69,704	66,950
Construction and land development \| Commercial Loan Portfolio
Summary of loans
Loans	249,268	286,140
Residential first lien \| Residential loans held for sale
Summary of loans
Loans	288,181	286,178
Other residential \| Residential loans held for sale
Summary of loans
Loans	69,840	63,445
Consumer \| Consumer
Summary of loans
Loans	84,510	99,692
Consumer other \| Consumer
Summary of loans
Loans	$ 44,399	$ 44,383

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	Sep. 30, 2026	Dec. 31, 2025
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Carrying amount of the hedged items	$ 165,454	$ 352,968
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged items	$ 7,410	$ (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

DERIVATIVE INSTRUMENTS - Narrative (Details) $ in Millions	9 Months Ended
DERIVATIVE INSTRUMENTS - Narrative (Details) $ in Millions	Sep. 30, 2026 USD ($)
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Gain (loss) on cash flow hedges to be recognized within twelve months	$ (1.4)

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Loss Contingencies [Line Items]
Anticipated material loss	$ 0
Commitments to extend credit
Loss Contingencies [Line Items]
Loan commitments	913,843	$ 821,801
Financial guarantees – standby letters of credit
Loss Contingencies [Line Items]
Loan commitments	$ 44,283	$ 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/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 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/2003/role/disclosureRef
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-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482645/405-30-50-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
-Section S99
-Paragraph 1
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-Publisher FASB
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Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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-SubTopic 10
-Name Accounting Standards Codification
-Section 50
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-Publisher FASB
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/exampleRef
-Topic 460
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-Name Accounting Standards Codification
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 450
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-Name Accounting Standards Codification
-Section 50
-Paragraph 9
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483076/450-20-50-9

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 450
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483076/450-20-50-4

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 460
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-Paragraph 3
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-URI https://asc.fasb.org/1943274/2147482425/460-10-50-3

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 450
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-Name Accounting Standards Codification
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-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483076/450-20-50-1

+ Details

- Definition

Reflects the estimated amount of loss from the specified contingency as of the balance sheet date.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 205
-SubTopic 20
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SAB Topic 5.Z.5.Q2)
-Publisher FASB
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 205
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-Publisher FASB
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482861/275-10-50-9

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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483359/720-20-50-1

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 460
-SubTopic 10
-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
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483076/450-20-50-9

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 450
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483076/450-20-50-4

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 460
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482425/460-10-50-2

+ Details

LOANS (Tables)

9 Months Ended

Sep. 30, 2026

Receivables [Abstract]

Schedule of Loans

The following table presents total loans outstanding by portfolio class, as of September 30, 2026 and December 31, 2025:


(dollars in thousands)	September 30, 2026		December 31, 2025
Commercial:
Commercial	$	1,073,651	$	1,062,691
Commercial other	110,162		115,830
Commercial real estate:
Commercial real estate non-owner occupied	1,477,074		1,447,894
Commercial real estate owner occupied	397,372		444,443
Multi-family	388,328		383,377
Farmland	69,704		66,950
Construction and land development	249,268		286,140
Total commercial loans	3,765,559		3,807,325
Residential real estate:
Residential first lien	288,181		286,178
Other residential	69,840		63,445
Consumer:
Consumer	84,510		99,692
Consumer other	44,399		44,383
Lease financing	30,339		50,981
Total loans	$	4,282,828	$	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 and nine months ended September 30, 2026 and 2025, are summarized as follows:


	Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands)	2026		2025		2026		2025
Beginning balance	$	38,788	$	44,486	$	46,999	$	40,410
New loans and other additions	—		1,352		496		7,027
Repayments and other reductions	(413)		(377)		(9,120)		(1,976)
Ending balance	$	38,375	$	45,461	$	38,375	$	45,461

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 and nine months ended September 30, 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
Changes in allowance for credit losses on loans for the three months ended September 30, 2026:
Balances, June 30, 2026	$	23,142	$	25,326	$	2,010	$	5,604	$	3,893	$	2,544	$	62,519
Provision for credit losses on loans	2,691		1,533		(76)		(1,064)		655		(54)		3,685
Charge-offs	(2,118)		(3,296)		—		(17)		(1,017)		(1,072)		(7,520)
Recoveries	433		829		—		245		226		435		2,168
Balances, September 30, 2026	$	24,148	$	24,392	$	1,934	$	4,768	$	3,757	$	1,853	$	60,852

Changes in allowance for credit losses on loans for the nine months ended September 30, 2026:
Balances, December 31, 2025	$	23,676	$	28,284	$	2,619	$	6,652	$	4,804	$	3,184	$	69,219
Provision for credit losses on loans	7,156		10,859		(650)		(2,192)		892		132		16,197
Charge-offs	(7,744)		(15,963)		(35)		(82)		(2,462)		(2,143)		(28,429)
Recoveries	1,060		1,212		—		390		523		680		3,865
Balances, September 30, 2026	$	24,148	$	24,392	$	1,934	$	4,768	$	3,757	$	1,853	$	60,852

Changes in allowance for credit losses on loans for the three months ended September 30, 2025:
Balances, June 30, 2025	$	34,179	$	27,439	$	2,869	$	7,104	$	5,704	$	15,395	$	92,690
Provision for credit losses on loans	7,841		2,678		1,480		(711)		116		9,101		20,505
Charge-offs	(4,301)		(3,798)		(2,901)		(54)		(897)		(4,088)		(16,039)
Recoveries	1,320		494		1,122		54		103		637		3,730
Balances, September 30, 2025	$	39,039	$	26,813	$	2,570	$	6,393	$	5,026	$	21,045	$	100,886

Changes in allowance for credit losses on loans for the nine months ended September 30, 2025:
Balances, December 31, 2024	$	42,776	$	36,837	$	3,550	$	8,002	$	5,400	$	14,639	$	111,204
Provision for credit losses on loans	17,196		15,817		(231)		(1,645)		1,352		16,235		48,724
Charge-offs	(23,762)		(26,974)		(2,901)		(126)		(2,234)		(11,422)		(67,419)
Recoveries	2,829		1,133		2,152		162		508		1,593		8,377
Balances, September 30, 2025	$	39,039	$	26,813	$	2,570	$	6,393	$	5,026	$	21,045	$	100,886

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	Other loans 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 nonaccrual loans as of September 30, 2026 and December 31, 2025:


	September 30, 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	$	4,307	$	7,292	$	11,599	$	3,370	$	3,849	$	7,219
Commercial other	558		—		558		1,040		2,157		3,197
Commercial real estate:
Commercial real estate non-owner occupied	14,928		12,549		27,477		1,537		13,547		15,084
Commercial real estate owner occupied	2,055		1,595		3,650		3,455		8,684		12,139
Multi-family	—		5,067		5,067		14,336		2,112		16,448
Farmland	1,192		—		1,192		1,260		402		1,662
Construction and land development	—		—		—		155		—		155
Total commercial loans	23,040		26,503		49,543		25,153		30,751		55,904
Residential real estate:
Residential first lien	2,795		766		3,561		3,087		313		3,400
Other residential	548		—		548		426		—		426
Consumer:
Consumer	45		—		45		47		—		47

Lease financing	1,466		—		1,466		1,162		—		1,162
Total loans	$	27,894	$	27,269	$	55,163	$	29,875	$	31,064	$	60,939

The following table presents, by loan portfolio segment, a summary of loan restructurings for the three and nine months ended September 30, 2026 and 2025:


	Three Months Ended September 30,						Nine Months Ended September 30,
	2026			2025			2026			2025
(dollars in thousands)	Balance		Count	Balance		Count	Balance		Count	Balance		Count
Commercial:
Commercial	$	6,263	4	$	10,901	2	$	10,652	6	$	11,949	4
Commercial other	—		—	—		—	—		—	845		4
Commercial real estate:
Commercial real estate non-owner occupied	—		—	8,069		2	7,706		1	8,069		2

Multi-family	—		—	—		—	14,113		2	—		—
Farmland	—		—	120		1	45		1	387		2
Construction and land development	—		—	1,571		1	—		—	1,571		1
Total commercial loans	6,263		4	20,661		6	32,516		10	22,821		13
Residential real estate:
Residential first lien	—		—	20		1	37		1	162		4
Other residential	—		—	—		—	—		—	10		1




Total loan restructurings	$	6,263	4	$	20,681	7	$	32,553	11	$	22,993	18

Schedule of Collateral Dependent Loans

The table below presents the amortized cost basis of collateral dependent loans by loan class, for borrowers experiencing financial difficulty, as of September 30, 2026 and December 31, 2025:


	Type of Collateral
(dollars in thousands)	Real Estate		Blanket Lien		Equipment		Total
September 30, 2026
Commercial:
Commercial	$	3,443	$	6,400	$	680	$	10,523
Commercial other	—		65		—		65
Commercial real estate:
Non-owner occupied	26,263		—		—		26,263
Owner occupied	909		1,595		—		2,504
Multi-family	5,067		—		—		5,067


Residential real estate:
Residential first lien	1,140		—		—		1,140
Other residential	141		—		—		141

Total collateral dependent loans	$	36,963	$	8,060	$	680	$	45,703

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 September 30, 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	$	1,062,025	$	27	$	—	$	—	$	27	$	11,599	$	1,073,651
Commercial other	100,322		3,820		2,420		3,042		9,282		558		110,162
Commercial real estate:
Commercial real estate non-owner occupied	1,449,597		—		—		—		—		27,477		1,477,074
Commercial real estate owner occupied	393,276		368		78		—		446		3,650		397,372
Multi-family	383,261		—		—		—		—		5,067		388,328
Farmland	68,512		—		—		—		—		1,192		69,704
Construction and land development	249,268		—		—		—		—		—		249,268
Total commercial loans	3,706,261		4,215		2,498		3,042		9,755		49,543		3,765,559
Residential real estate:
Residential first lien	283,383		—		753		484		1,237		3,561		288,181
Other residential	69,028		212		52		—		264		548		69,840
Consumer:
Consumer	84,263		185		17		—		202		45		84,510
Consumer other	43,647		523		229		—		752		—		44,399
Lease financing	28,453		271		148		1		420		1,466		30,339
Total loans	$	4,215,035	$	5,406	$	3,697	$	3,527	$	12,630	$	55,163	$	4,282,828

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 and nine months ended September 30, 2026:


	Three Months Ended September 30, 2026
(dollars in thousands)	Payment Deferral ($)		Term Extension ($)		Total Modifications ($)		Total Class of Financing Receivable (%)
Commercial:
Commercial	$	—	$	6,263	$	6,263	0.58	%







Total commercial loans	$	—	$	6,263	$	6,263	0.17	%







Total	$	—	$	6,263	$	6,263	0.15	%


	Nine Months Ended September 30, 2026
(dollars in thousands)	Payment Deferral ($)		Term Extension ($)		Total Modifications ($)		Total Class of Financing Receivable (%)
Commercial:
Commercial	$	2,089	$	8,563	$	10,652	0.99	%

Commercial real estate:
Commercial real estate non-owner occupied	—		7,706		7,706		0.52

Multi-family	5,113		9,000		14,113		3.63
Farmland	—		45		45		0.06

Total commercial loans	$	7,202	$	25,314	$	32,516	0.86	%
Residential real estate:
Residential first lien	—		37		37		0.01





Total	$	7,202	$	25,351	$	32,553	0.76	%

The following tables present a summary of loan restructurings, by loan portfolio segment and type of restructuring, for the three and nine months ended September 30, 2025:


			Three Months Ended September 30, 2025
(dollars in thousands)	Payment Deferral ($)		Term Extension ($)		Interest Rate Reduction / Term Extension ($)		Total Modifications ($)		Total Class of Financing Receivable (%)
Commercial:
Commercial	$	—	$	10,901	$	—	$	10,901	1.03	%

Commercial real estate:
Commercial real estate non-owner occupied	—		50		8,019		8,069		0.56


Farmland	120		—		—		120		0.18
Construction & land development	—		1,571		—		1,571		0.55
Total commercial loans	$	120	$	12,522	$	8,019	$	20,661	0.54	%
Residential real estate:
Residential first lien	—		20		—		20		0.01





Total	$	120	$	12,542	$	8,019	$	20,681	0.48	%


			Nine Months Ended September 30, 2025
(dollars in thousands)	Payment Deferral ($)		Term Extension ($)		Interest Rate Reduction ($)		Interest Rate Reduction / Term Extension ($)		Payment Deferral / Term Extension ($)		Total Modifications ($)		Total Class of Financing Receivable (%)
Commercial
Commercial	$	—	$	11,949	$	—	$	—	$	—	$	11,949	1.12	%
Commercial other	—		—		294		—		551		845		0.73
Commercial real estate:
Commercial real estate non-owner occupied	—		50		—		8,019		—		8,069		0.56


Farmland	120		—		—		—		267		387		0.58
Construction & land development	—		1,571		—		—		—		1,571		0.55
Total commercial loans	$	120	$	13,570	$	294	$	8,019	$	818	$	22,821	0.60	%
Residential real estate:
Residential first lien	—		162		—		—		—		162		0.06
Other residential	—		10		—		—		—		10		0.02




Total	$	120	$	13,742	$	294	$	8,019	$	818	$	22,993	0.53	%

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 September 30, 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	$	—	$	—	$	—	$	—	$	10,737	$	10,737

Commercial real estate:
Commercial real estate non-owner occupied	—		—		—		—		19,462		19,462

Multi-family	—		—		—		—		14,113		14,113
Farmland	—		—		—		—		45		45

Total commercial loans	—		—		—		—		44,357		44,357
Residential real estate:
Residential first lien	—		—		—		—		56		56





Total loan restructurings	$	—	$	—	$	—	$	—	$	44,413	$	44,413

The following table presents the performance of such loans that have been modified in the last twelve months as of September 30, 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	$	—	$	—	$	—	$	—	$	11,949	$	11,949
Commercial other	—		—		—		—		845		845
Commercial real estate:
Commercial real estate non-owner occupied	—		—		—		—		17,920		17,920


Farmland	—		—		—		—		387		387
Construction and land development	—		—		—		—		1,571		1,571
Total commercial loans	—		—		—		—		32,672		32,672
Residential real estate:
Residential first lien	—		6		66		72		473		545
Other residential	—		—		—		—		10		10
Consumer:
Consumer	—		—		—		—		6		6

Lease financing	—		—		430		430		169		599
Total loan restructurings	$	—	$	6	$	496	$	502	$	33,330	$	33,832

Schedule of Loans Credit Equality Indicators

The following tables present the recorded investment of the commercial loan portfolio by risk category as of September 30, 2026 and December 31, 2025:


			September 30, 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	$	157,109	$	368,109	$	69,030	$	24,297	$	11,315	$	38,712	$	382,650	$	1,051,222
		Special mention	48		—		—		—		—		—		541		589
		Substandard	4,463		—		40		5,238		—		—		500		10,241
		Substandard – nonaccrual	—		—		184		993		3,867		4,229		2,326		11,599
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	161,620		368,109		69,254		30,528		15,182		42,941		386,017		1,073,651

	Commercial other	Acceptable credit quality	3,757		2,105		1,208		908		2,355		516		97,854		108,703
		Special mention	—		—		—		47		15		48		590		700
		Substandard	—		—		—		179		—		—		22		201
		Substandard – nonaccrual	—		—		—		286		173		—		99		558
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	3,757		2,105		1,208		1,420		2,543		564		98,565		110,162

Commercial real estate	Non-owner occupied	Acceptable credit quality	250,683		292,804		223,874		101,589		266,079		236,984		10,297		1,382,310
		Special mention	—		2,965		5,213		—		11,119		12,248		—		31,545
		Substandard	11,890		326		18		—		7,967		15,541		—		35,742
		Substandard – nonaccrual	—		82		14,680		—		8,047		4,668		—		27,477
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	262,573		296,177		243,785		101,589		293,212		269,441		10,297		1,477,074

	Owner occupied	Acceptable credit quality	100,943		74,958		40,045		21,445		77,905		73,129		2,382		390,807
		Special mention	—		—		—		—		—		604		—		604
		Substandard	692		—		355		—		—		1,264		—		2,311
		Substandard – nonaccrual	—		909		67		299		1,645		426		304		3,650
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	101,635		75,867		40,467		21,744		79,550		75,423		2,686		397,372

	Multi-family	Acceptable credit quality	60,429		96,241		20,965		9,660		138,868		16,720		803		343,686
		Special mention	—		1,200		—		7,455		9,000		—		—		17,655
		Substandard	5,113		—		—		—		16,779		28		—		21,920
		Substandard – nonaccrual	—		—		—		—		4,479		588		—		5,067
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	65,542		97,441		20,965		17,115		169,126		17,336		803		388,328

	Farmland	Acceptable credit quality	16,587		19,288		1,711		6,031		3,075		19,659		1,755		68,106
		Special mention	239		—		—		—		—		92		—		331
		Substandard	—		—		—		—		—		75		—		75
		Substandard – nonaccrual	—		—		—		—		—		1,144		48		1,192
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	16,826		19,288		1,711		6,031		3,075		20,970		1,803		69,704

Construction and land development		Acceptable credit quality	42,742		81,879		27,624		12,195		27,436		28,803		19,758		240,437
		Special mention	—		—		—		—		—		2		—		2
		Substandard	—		—		—		—		—		66		—		66
		Substandard – nonaccrual	—		—		—		—		—		—		—		—
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	3,376		4,570		392		219		141		65		—		8,763
		Subtotal	46,118		86,449		28,016		12,414		27,577		28,936		19,758		249,268

Total		Acceptable credit quality	632,250		935,384		384,457		176,125		527,033		414,523		515,499		3,585,271
		Special mention	287		4,165		5,213		7,502		20,134		12,994		1,131		51,426
		Substandard	22,158		326		413		5,417		24,746		16,974		522		70,556
		Substandard – nonaccrual	—		991		14,931		1,578		18,211		11,055		2,777		49,543
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	3,376		4,570		392		219		141		65		—		8,763
Total commercial loans			$	658,071	$	945,436	$	405,406	$	190,841	$	590,265	$	455,611	$	519,929	$	3,765,559


			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 and nine months ended September 30, 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 September 30, 2026
Commercial	Commercial	$	—	$	—	$	—	$	15	$	20	$	34	$	—	$	69
	Commercial other	3		6		2		2		6		22		2,008		2,049
Commercial real estate	Non-owner occupied	—		—		—		—		—		1,105		—		1,105
	Owner occupied	—		—		—		—		19		—		—		19
	Multi-family	—		—		—		—		2,147		—		—		2,147
	Farmland	—		—		—		—		—		25		—		25

Total gross commercial charge-offs		$	3	$	6	$	2	$	17	$	2,192	$	1,186	$	2,008	$	5,414



For the nine months ended September 30, 2026
Commercial	Commercial	$	—	$	—	$	—	$	15	$	20	$	272	$	—	$	307
	Commercial Other	6		34		14		110		625		40		6,608		7,437
Commercial Real Estate	Non-owner occupied	—		—		—		—		—		4,055		—		4,055
	Owner occupied	—		—		—		—		19		—		—		19
	Multi-family	—		—		—		—		11,864		—		—		11,864
	Farmland	—		—		—		—		—		25		—		25
Construction and land development		—		—		35		—		—		—		—		35
Total gross commercial charge-offs		$	6	$	34	$	49	$	125	$	12,528	$	4,392	$	6,608	$	23,742


		Term Loans by Origination Year
(dollars in thousands)		2025		2024		2023		2022		2021		Prior		Revolving Loans		Total
For the three months ended September 30, 2025
Commercial	Commercial	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
	Commercial other	156		6		880		1,253		102		247		1,657		4,301
Commercial real estate	Non-owner occupied	—		87		—		—		—		1,906		—		1,993
	Owner occupied	—		—		—		1,297		—		8		—		1,305
	Multi-family	—		—		—		500		—		—		—		500

Construction and land development		—		—		—		—		2,860		41		—		2,901
Total gross commercial charge-offs		$	156	$	93	$	880	$	3,050	$	2,962	$	2,202	$	1,657	$	11,000



For the nine months ended September 30, 2025
Commercial	Commercial	$	—	$	—	$	—	$	—	$	—	$	152	$	—	$	152
	Commercial Other	156		62		1,915		3,183		508		364		17,422		23,610
Commercial Real Estate	Non-owner occupied	—		87		—		7,782		—		7,649		—		15,518
	Owner occupied	—		—		—		7,144		—		8		—		7,152
	Multi-family	—		—		—		2,854		—		1,450		—		4,304

Construction and land development		—		—		—		—		2,860		41		—		2,901
Total gross commercial charge-offs		$	156	$	149	$	1,915	$	20,963	$	3,368	$	9,664	$	17,422	$	53,637

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 September 30, 2026 and December 31, 2025:


			September 30, 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	$	22,754	$	6,425	$	26,615	$	35,861	$	56,441	$	136,040	$	—	$	284,136
		Nonperforming	41		—		—		348		1,106		2,550		—		4,045
		Subtotal	22,795		6,425		26,615		36,209		57,547		138,590		—		288,181

	Other residential	Performing	769		3,461		1,877		1,237		402		1,540		60,006		69,292
		Nonperforming	—		—		—		—		—		88		460		548
		Subtotal	769		3,461		1,877		1,237		402		1,628		60,466		69,840

Consumer	Consumer	Performing	8,869		26,886		12,041		10,605		8,665		16,373		1,026		84,465
		Nonperforming	—		—		22		2		4		16		1		45
		Subtotal	8,869		26,886		12,063		10,607		8,669		16,389		1,027		84,510

	Consumer other	Performing	—		—		—		274		27,662		9,157		7,306		44,399
		Nonperforming	—		—		—		—		—		—		—		—
		Subtotal	—		—		—		274		27,662		9,157		7,306		44,399

Leases financing		Performing	505		3,687		5,775		7,138		9,665		2,102		—		28,872
		Nonperforming	—		—		—		911		458		98		—		1,467
		Subtotal	505		3,687		5,775		8,049		10,123		2,200		—		30,339

Total		Performing	32,897		40,459		46,308		55,115		102,835		165,212		68,338		511,164
		Nonperforming	41		—		22		1,261		1,568		2,752		461		6,105
Total other loans			$	32,938	$	40,459	$	46,330	$	56,376	$	104,403	$	167,964	$	68,799	$	517,269


			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 and nine months ended September 30, 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 September 30, 2026
Residential real estate	Residential first lien	$	—	$	—	$	—	$	—	$	—	$	2	$	—	$	2
	Other residential	—		—		—		—		—		—		15		15
Consumer	Consumer	—		17		2		10		—		—		5		34
	Consumer other	167		52		15		21		287		441		—		983
Lease financing		—		—		79		469		316		208		—		1,072
Total gross other charge-offs		$	167	$	69	$	96	$	500	$	603	$	651	$	20	$	2,106



For the nine months ended September 30, 2026
Residential real estate	Residential first lien	$	—	$	—	$	—	$	—	$	59	$	2	$	—	$	61
	Other residential	—		—		—		—		—		—		21		21
Consumer	Consumer	—		27		29		41		2		1		10		110
	Consumer other	197		199		49		55		938		914		—		2,352
Lease financing		—		—		363		710		593		477		—		2,143
Total gross other charge-offs		$	197	$	226	$	441	$	806	$	1,592	$	1,394	$	31	$	4,687


		Term Loans by Origination Year
(dollars in thousands)		2025		2024		2023		2022		2021		Prior		Revolving Loans		Total
For the three months ended September 30, 2025
Residential real estate	Residential first lien	$	—	$	—	$	40	$	—	$	—	$	—	$	—	$	40
	Other residential	—		—		—		—		—		1		13		14
Consumer	Consumer	23		5		9		2		—		—		6		45
	Consumer other	—		27		18		348		139		320		—		852
Lease financing		—		249		1,605		1,843		330		61		—		4,088
Total gross other charge-offs		$	23	$	281	$	1,672	$	2,193	$	469	$	382	$	19	$	5,039



For the nine months ended September 30, 2025
Residential real estate	Residential first lien	$	—	$	—	$	40	$	—	$	—	$	27	$	—	$	67
	Other residential	—		—		—		25		—		2		32		59
Consumer	Consumer	23		35		21		4		—		1		19		103
	Consumer other	26		106		68		632		268		1,031		—		2,131
Lease financing		—		716		5,023		4,261		723		699		—		11,422
Total gross other charge-offs		$	49	$	857	$	5,152	$	4,922	$	991	$	1,760	$	51	$	13,782

INVESTMENT SECURITIES (Tables)

9 Months Ended

Sep. 30, 2026

Investments, Debt and Equity Securities [Abstract]

Schedule of Investment Securities Classified as Available for Sale

Investment securities available for sale at September 30, 2026 and December 31, 2025 were as follows:


	September 30, 2026
(dollars in thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Fair value
Investment securities available for sale
U.S. Treasury securities	$	6,434	$	—	$	—	$	6,434
U.S. government sponsored entities and U.S. agency securities	65,792		8		(3,510)		62,290
Mortgage-backed securities - agency (1)	1,491,028		7,720		(156,073)		1,342,675
Mortgage-backed securities - non-agency	113,025		957		(5,428)		108,554
Asset-backed student loans	18,419		4		(77)		18,346
State and municipal securities	74,542		—		(8,448)		66,094
Collateralized loan obligations	236,704		78		(64)		236,718
Corporate securities	65,232		14		(1,163)		64,083
Total available for sale securities	$	2,071,176	$	8,781	$	(174,763)	$	1,905,194


	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	$	4,235	$	4,228
After one year through five years	48,888		46,527
After five years through ten years	73,226		68,453
After ten years	340,774		334,757
Mortgage-backed securities	1,604,053		1,451,229
Total available for sale securities	$	2,071,176	$	1,905,194

Proceeds and gross realized gains and losses on sales of investment securities available for sale for the three and nine months ended September 30, 2026 and 2025 are summarized as follows:


	Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands)	2026		2025		2026		2025
Investment securities available for sale
Proceeds from sales	$	—	$	103,759	$	98,599	$	103,759
Gross realized gains on sales	—		587		248		587
Gross realized losses on sales	—		(573)		(1,979)		(573)

Schedule of Unrealized Losses and Fair Values for Investment Securities


	September 30, 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. Treasury securities	$	499	$	—	$	—	$	—	$	499	$	—
U.S. government sponsored entities and U.S. agency securities	61,595		3,510		—		—		61,595		3,510
Mortgage-backed securities - agency	860,598		50,437		467,599		105,636		1,328,197		156,073
Mortgage-backed securities - non-agency	64,308		2,392		14,577		3,036		78,885		5,428
Asset-backed student loans	2,401		12		12,571		65		14,972		77
State and municipal securities	25,078		1,607		40,916		6,841		65,994		8,448
Collateralized loan obligations	13,000		64		—		—		13,000		64
Corporate securities	30,678		336		18,892		827		49,570		1,163
Total available for sale securities	$	1,058,157	$	58,358	$	554,555	$	116,405	$	1,612,712	$	174,763


	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 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 2: 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 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

SEGMENT INFORMATION (Tables)

9 Months Ended

Sep. 30, 2026

Segment Reporting [Abstract]

Schedule of Segment Financial Information

Selected business segment financial information for the three and nine months ended September 30, 2026 and 2025 was as follows:


(dollars in thousands)	Banking		Wealth Management		Corporate		Total
Three Months Ended September 30, 2026
Interest income	$	93,021	$	—	$	—	$	93,021
Interest expense	28,912		13		1,374		30,299
Net interest income (expense)	64,109		(13)		(1,374)		62,722
Provision for credit losses	3,735		—		—		3,735
Wealth management revenue	—		8,651		—		8,651
Other noninterest income	14,719		—		(133)		14,586
Total noninterest income	14,719		8,651		(133)		23,237
Salaries and employee benefits	23,881		4,619		—		28,500
Depreciation expense	1,206		12		—		1,218
Amortization of intangible assets	412		234		—		646
Other noninterest expense (1)	21,565		1,491		(577)		22,479
Total noninterest expense	47,064		6,356		(577)		52,843
Income (loss) before income taxes	28,029		2,282		(930)		29,381
Income tax expense (benefit)	6,792		1,878		(2,097)		6,573
Net income (loss)	$	21,237	$	404	$	1,167	$	22,808
Total assets	$	6,830,426	$	39,547	$	(53,131)	$	6,816,842

Nine Months Ended September 30, 2026
Interest income	$	267,220	$	—	$	—	$	267,220
Interest expense	83,362		47		4,083		87,492
Net interest income (expense)	183,858		(47)		(4,083)		179,728
Provision for credit losses	15,557		—		—		15,557
Wealth management revenue	—		25,667		—		25,667

Other noninterest income	46,069		—		(2,609)		43,460
Total noninterest income	46,069		25,667		(2,609)		69,127
Salaries and employee benefits	68,311		13,700		—		82,011
Depreciation expense	3,615		34		—		3,649
Amortization of intangible assets	1,313		714		—		2,027

Other noninterest expense (1)	62,964		4,917		(1,546)		66,335
Total noninterest expense	136,203		19,365		(1,546)		154,022
Income (loss) before income taxes (benefit)	78,167		6,255		(5,146)		79,276
Income tax expense	17,554		3,527		(2,964)		18,117
Net income (loss)	$	60,613	$	2,728	$	(2,182)	$	61,159
Total assets	$	6,830,426	$	39,547	$	(53,131)	$	6,816,842


(dollars in thousands)	Banking		Wealth Management		Corporate		Total
Three Months Ended September 30, 2025
Interest income	$	98,493	$	—	$	—	$	98,493
Interest expense	35,011		20		2,345		37,376
Net interest income (expense)	63,482		(20)		(2,345)		61,117
Provision for credit losses	20,005		—		—		20,005
Wealth management revenue	—		8,018		—		8,018
Other noninterest income	13,861		—		(1,863)		11,998
Total noninterest income	13,861		8,018		(1,863)		20,016
Salaries and employee benefits	22,206		4,187		—		26,393
Depreciation expense	1,204		12		—		1,216
Amortization of intangible assets	492		251		—		743
Other noninterest expense (1)	20,727		1,463		(728)		21,462
Total noninterest expense	44,629		5,913		(728)		49,814
Income (loss) before income taxes	12,709		2,085		(3,480)		11,314
Income tax expense (benefit)	1,614		99		2,044		3,757
Net income (loss)	$	11,095	$	1,986	$	(5,524)	$	7,557
Total assets	$	6,922,827	$	35,589	$	(46,901)	$	6,911,515










Nine Months Ended September 30, 2025
Interest income	$	295,772	$	—	$	—	$	295,772
Interest expense	110,620		55		6,995		117,670
Net interest income (expense)	185,152		(55)		(6,995)		178,102
Provision for credit losses	48,224		—		—		48,224
Wealth management revenue	—		22,747		—		22,747

Other noninterest income	42,183		—		(3,617)		38,566
Total noninterest income	42,183		22,747		(3,617)		61,313
Salaries and employee benefits	66,450		12,044		—		78,494
Depreciation expense	3,639		33		—		3,672
Amortization of intangible assets	1,708		773		—		2,481
Impairment on goodwill	153,977		—		—		153,977
Other noninterest expense (1)	61,560		4,894		(2,267)		64,187
Total noninterest expense	287,334		17,744		(2,267)		302,811
Income (loss) before income taxes (benefit)	(108,223)		4,948		(8,345)		(111,620)
Income tax expense (benefit)	7,758		1,387		628		9,773
Net income (loss)	$	(115,981)	$	3,561	$	(8,973)	$	(121,393)
Total assets	$	6,922,827	$	35,589	$	(46,901)	$	6,911,515

(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

Tabular disclosure of segment reporting. Includes, but is not limited to, reconciliation of reportable segment amount to corresponding consolidated total.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 31
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-31

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 34
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-34

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-32

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 30
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-30

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26C
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26C

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26B

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26A

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 25
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-25

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-15

+ Details

PREMISES, EQUIPMENT AND LEASES - Projected Minimum Rental Payments (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Property, Plant, and Equipment [Abstract]
2026 remaining	$ 357
2027	1,863
2028	1,817
2029	1,608
2030	1,061
Thereafter	2,573
Total future minimum lease payments	9,279
Less imputed interest	(1,045)
Total operating lease liabilities	$ 8,234	$ 9,300

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)

9 Months Ended

Sep. 30, 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 September 30, 2026
Balances, June 30, 2026	$	(67,105)	$	(826)	$	(67,931)
Other comprehensive income (loss) before reclassifications	(54,398)		(45)		(54,443)
Amounts reclassified from AOCI to income (1)	22		155		177
Balances, September 30, 2026	$	(121,481)	$	(716)	$	(122,197)

Changes in AOCI for the nine months ended September 30, 2026
Balances, December 31, 2025	$	(59,217)	$	(1,116)	$	(60,333)
Other comprehensive income (loss) before reclassifications	(63,431)		(154)		(63,585)
Amounts reclassified from AOCI to income (1)	1,167		554		1,721
Balances, September 30, 2026	$	(121,481)	$	(716)	$	(122,197)

Changes in AOCI for the three months ended September 30, 2025
Balances, June 30, 2025	$	(72,954)	$	(1,034)	$	(73,988)
Other comprehensive income (loss) before reclassifications	11,257		(323)		10,934
Amounts reclassified from AOCI to income (1)	(57)		145		88
Balances, September 30, 2025	$	(61,754)	$	(1,212)	$	(62,966)

Changes in AOCI for the nine months ended September 30, 2025
Balances, December 31, 2024	$	(79,021)	$	(2,939)	$	(81,960)
Other comprehensive income (loss) before reclassifications	17,358		492		17,850
Amounts reclassified from AOCI to income (1)	(91)		1,235		1,144
Balances, September 30, 2025	$	(61,754)	$	(1,212)	$	(62,966)

(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 September 30,				Nine Months Ended September 30,
(dollars in thousands)	2026		2025		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	$	(46)	$	63	$	132	$	109		Interest income (expense)

	—		14		(1,731)		14			Loss on sales of investment securities, net
	24		(20)		432		(32)			Income tax (expense) benefit
	$	(22)	$	57	$	(1,167)	$	91		Net income (loss)

Gains and losses on cash flow hedges	$	(218)	$	(197)	$	(605)	$	(1,676)		Interest income (expense)

	—		—		(154)		—			Loss on termination of interest rate swaps
	63		52		205		441			Income tax (expense) benefit
	$	(155)	$	(145)	$	(554)	$	(1,235)		Net income (loss)

DEPOSITS (Tables)

9 Months Ended

Sep. 30, 2026

Deposits [Abstract]

Schedule Summarizes the Classification of Deposits

The following table summarizes the classification of deposits as of September 30, 2026 and December 31, 2025:


(dollars in thousands)	September 30, 2026		December 31, 2025
Noninterest-bearing demand	$	973,388	$	1,040,411
Interest-bearing:
Checking	2,155,193		1,855,215
Money market	1,306,610		1,248,942
Savings	498,397		487,742
Time	683,850		792,069
Total deposits	$	5,617,438	$	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

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Assets
Cash and due from banks	$ 99,055	$ 127,279
Federal funds sold	557	532
Cash and cash equivalents	99,612	127,811
Investment securities available for sale, at fair value	1,905,194	1,523,001
Equity securities, at fair value	3,827	4,235
Loans	4,282,828	4,352,004
Allowance for credit losses on loans	(60,852)	(69,219)
Total loans, net	4,221,976	4,282,785
Loans held for sale	4,580	7,781
Premises and equipment, net	82,435	85,134
Other real estate owned	180	606
Nonmarketable equity securities	35,188	32,598
Accrued interest receivable	27,849	23,824
Loan servicing rights, at lower of cost or fair value	10,931	11,932
Loan servicing rights, held for sale	0	3,661
Goodwill	7,927	7,927
Other intangible assets, net	6,849	8,876
Company-owned life insurance	224,884	218,554
Credit enhancement asset	14,364	12,557
Other assets	171,046	162,138
Total assets	6,816,842	6,513,420
Deposits:
Noninterest-bearing demand deposits	973,388	1,040,411
Interest-bearing deposits	4,644,050	4,383,968
Total deposits	5,617,438	5,424,379
Short-term borrowings	151,499	60,181
Federal Home Loan Bank advances	353,000	293,000
Subordinated debt	27,035	27,019
Trust preferred debentures	52,409	51,857
Accrued interest payable and other liabilities	84,094	91,485
Total liabilities	6,285,475	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 September 30, 2026 and December 31, 2025, respectively	110,548	110,548
Common stock, $0.01 par value; 40,000,000 shares authorized; 20,801,859 and 21,169,854 shares issued and outstanding at September 30, 2026 and December 31, 2025, respectively	208	212
Capital surplus	422,207	428,247
Retained earnings	120,601	86,825
Accumulated other comprehensive loss, net of tax	(122,197)	(60,333)
Total shareholders’ equity	531,367	565,499
Total liabilities and shareholders’ equity	$ 6,816,842	$ 6,513,420

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Sep. 30, 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)	20,801,859	21,169,854
Common stock, shares outstanding (in shares)	20,801,859	21,169,854

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

9 Months Ended

Sep. 30, 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 September 30, 2026
Balances, June 30, 2026	$	(67,105)	$	(826)	$	(67,931)
Other comprehensive income (loss) before reclassifications	(54,398)		(45)		(54,443)
Amounts reclassified from AOCI to income (1)	22		155		177
Balances, September 30, 2026	$	(121,481)	$	(716)	$	(122,197)

Changes in AOCI for the nine months ended September 30, 2026
Balances, December 31, 2025	$	(59,217)	$	(1,116)	$	(60,333)
Other comprehensive income (loss) before reclassifications	(63,431)		(154)		(63,585)
Amounts reclassified from AOCI to income (1)	1,167		554		1,721
Balances, September 30, 2026	$	(121,481)	$	(716)	$	(122,197)

Changes in AOCI for the three months ended September 30, 2025
Balances, June 30, 2025	$	(72,954)	$	(1,034)	$	(73,988)
Other comprehensive income (loss) before reclassifications	11,257		(323)		10,934
Amounts reclassified from AOCI to income (1)	(57)		145		88
Balances, September 30, 2025	$	(61,754)	$	(1,212)	$	(62,966)

Changes in AOCI for the nine months ended September 30, 2025
Balances, December 31, 2024	$	(79,021)	$	(2,939)	$	(81,960)
Other comprehensive income (loss) before reclassifications	17,358		492		17,850
Amounts reclassified from AOCI to income (1)	(91)		1,235		1,144
Balances, September 30, 2025	$	(61,754)	$	(1,212)	$	(62,966)

(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 September 30,				Nine Months Ended September 30,
(dollars in thousands)	2026		2025		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	$	(46)	$	63	$	132	$	109		Interest income (expense)

	—		14		(1,731)		14			Loss on sales of investment securities, net
	24		(20)		432		(32)			Income tax (expense) benefit
	$	(22)	$	57	$	(1,167)	$	91		Net income (loss)

Gains and losses on cash flow hedges	$	(218)	$	(197)	$	(605)	$	(1,676)		Interest income (expense)

	—		—		(154)		—			Loss on termination of interest rate swaps
	63		52		205		441			Income tax (expense) benefit
	$	(155)	$	(145)	$	(554)	$	(1,235)		Net income (loss)

PREMISES, EQUIPMENT AND LEASES

9 Months Ended

Sep. 30, 2026

Property, Plant, and Equipment [Abstract]

PREMISES, EQUIPMENT AND LEASES

A summary of premises, equipment and leases at September 30, 2026 and December 31, 2025 is as follows:


	September 30,		December 31,
(dollars in thousands)	2026		2025
Land	$	15,856	$	15,856
Buildings and improvements	86,858		86,429
Furniture and equipment	38,479		38,303
Lease right-of-use assets	7,710		8,117
Total	148,903		148,705
Accumulated depreciation	(66,468)		(63,571)
Premises and equipment, net	$	82,435	$	85,134

Depreciation expense for the three and nine months ended September 30, 2026 was $1.2 million and $3.6 million, respectively, and $1.2 million and $3.7 million for the three and nine months ended September 30, 2025, respectively.

The Company has entered into operating leases, primarily for banking offices, operating facilities and ATMs, which have remaining lease terms of 1 month to 11 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 $7.7 million and $8.1 million as of September 30, 2026 and December 31, 2025, respectively, and are included in premises and equipment, net on our consolidated balance sheets. The operating lease liabilities of the Company were $8.2 million and $9.3 million as of September 30, 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 and nine months ended September 30, 2026 and 2025 was as follows:


	Three Months Ended September 30,						Nine Months Ended September 30,
(dollars in thousands)	2026			2025			2026			2025
Operating lease cost	$	520		$	483		$	1,508		$	1,461
Operating cash flows from leases	504			464			1,545			1,467
Right-of-use assets obtained in exchange for lease obligations	820			36			948			873
Right-of-use assets derecognized due to termination	111			—			111			—
Weighted average remaining lease term	5.8 years			6.3 years			5.8 years			6.3 years
Weighted average discount rate	3.96		%	3.72		%	3.96		%	3.72		%

The projected minimum rental payments under the terms of the leases as of September 30, 2026 were as follows:


(dollars in thousands)	Amount
Year ending December 31:
2026 remaining	$	357
2027	1,863
2028	1,817
2029	1,608
2030	1,061
Thereafter	2,573
Total future minimum lease payments	9,279
Less imputed interest	(1,045)
Total operating lease liabilities	$	8,234

- Definition

The entire disclosure for property, plant, and equipment. Includes, but is not limited to, land and land improvement; building; machinery and equipment; furniture and fixture; and work of art, historical treasure, or similar asset classified as collection.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 360
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
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-Publisher FASB
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

GOODWILL (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended
GOODWILL (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Sep. 30, 2025	Mar. 31, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Intangible Asset, Goodwill and Other [Abstract]
Goodwill	$ 7,927			$ 7,927		$ 7,927
Impairment on goodwill	$ 0	$ 0	$ 154,000	$ 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/disclosureRef
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+ 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 - Loans to Directors, Executive Officers, Principal Shareholders and Affiliates (Details) - Directors, Executive Officers, Principal Shareholders and Affiliates - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Notes Receivable [Roll Forward]
Beginning balance	$ 38,788	$ 44,486	$ 46,999	$ 40,410
New loans and other additions	0	1,352	496	7,027
Repayments and other reductions	(413)	(377)	(9,120)	(1,976)
Ending balance	$ 38,375	$ 45,461	$ 38,375	$ 45,461

- Definition

Amortized cost, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease.

+ References + Details

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) - Schedule of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning Balance	$ 569,688	$ 573,705	$ 565,499	$ 710,847
Other comprehensive income (loss) before reclassifications	(54,443)	10,934	(63,585)	17,850
Amounts reclassified from AOCI to income	177	88	1,721	1,144
Ending Balance	531,367	584,001	531,367	584,001
Total
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning Balance	(67,931)	(73,988)	(60,333)	(81,960)
Ending Balance	(122,197)	(62,966)	(122,197)	(62,966)
Unrealized gains and losses on investment securities available for sale
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning Balance	(67,105)	(72,954)	(59,217)	(79,021)
Other comprehensive income (loss) before reclassifications	(54,398)	11,257	(63,431)	17,358
Amounts reclassified from AOCI to income	22	(57)	1,167	(91)
Ending Balance	(121,481)	(61,754)	(121,481)	(61,754)
Unrealized gains and losses on cash flow hedges
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning Balance	(826)	(1,034)	(1,116)	(2,939)
Other comprehensive income (loss) before reclassifications	(45)	(323)	(154)	492
Amounts reclassified from AOCI to income	155	145	554	1,235
Ending Balance	$ (716)	$ (1,212)	$ (716)	$ (1,212)

- 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 210
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-Name Accounting Standards Codification
-Section S99
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+ Details

LOANS - Schedule of Performance of Modified Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Risk category
Balance	$ 44,413	$ 33,832
30-59 days past due
Risk category
Balance	0	0
60-89 days past due
Risk category
Balance	0	6
Past due 90 days or more
Risk category
Balance	0	496
Total past due
Risk category
Balance	0	502
Current
Risk category
Balance	44,413	33,330
Commercial Loan Portfolio
Risk category
Balance	44,357	32,672
Commercial Loan Portfolio \| 30-59 days past due
Risk category
Balance	0	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	0	0
Commercial Loan Portfolio \| Current
Risk category
Balance	44,357	32,672
Commercial Loan Portfolio \| Commercial
Risk category
Balance	10,737	11,949
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	10,737	11,949
Commercial Loan Portfolio \| Commercial other
Risk category
Balance		845
Commercial Loan Portfolio \| Commercial other \| 30-59 days past due
Risk category
Balance		0
Commercial Loan Portfolio \| Commercial other \| 60-89 days past due
Risk category
Balance		0
Commercial Loan Portfolio \| Commercial other \| Past due 90 days or more
Risk category
Balance		0
Commercial Loan Portfolio \| Commercial other \| Total past due
Risk category
Balance		0
Commercial Loan Portfolio \| Commercial other \| Current
Risk category
Balance		845
Commercial Loan Portfolio \| Commercial real estate non-owner occupied
Risk category
Balance	19,462	17,920
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	19,462	17,920
Commercial Loan Portfolio \| Multi-family
Risk category
Balance	14,113
Commercial Loan Portfolio \| Multi-family \| 30-59 days past due
Risk category
Balance	0
Commercial Loan Portfolio \| Multi-family \| 60-89 days past due
Risk category
Balance	0
Commercial Loan Portfolio \| Multi-family \| Past due 90 days or more
Risk category
Balance	0
Commercial Loan Portfolio \| Multi-family \| Total past due
Risk category
Balance	0
Commercial Loan Portfolio \| Multi-family \| Current
Risk category
Balance	14,113
Commercial Loan Portfolio \| Farmland
Risk category
Balance	45	387
Commercial Loan Portfolio \| Farmland \| 30-59 days past due
Risk category
Balance	0	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	0	0
Commercial Loan Portfolio \| Farmland \| Current
Risk category
Balance	45	387
Commercial Loan Portfolio \| Construction and land development
Risk category
Balance		1,571
Commercial Loan Portfolio \| Construction and land development \| 30-59 days past due
Risk category
Balance		0
Commercial Loan Portfolio \| Construction and land development \| 60-89 days past due
Risk category
Balance		0
Commercial Loan Portfolio \| Construction and land development \| Past due 90 days or more
Risk category
Balance		0
Commercial Loan Portfolio \| Construction and land development \| Total past due
Risk category
Balance		0
Commercial Loan Portfolio \| Construction and land development \| Current
Risk category
Balance		1,571
Residential loans held for sale \| Residential first lien
Risk category
Balance	56	545
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	6
Residential loans held for sale \| Residential first lien \| Past due 90 days or more
Risk category
Balance	0	66
Residential loans held for sale \| Residential first lien \| Total past due
Risk category
Balance	0	72
Residential loans held for sale \| Residential first lien \| Current
Risk category
Balance	$ 56	473
Residential loans held for sale \| Other residential
Risk category
Balance		10
Residential loans held for sale \| Other residential \| 30-59 days past due
Risk category
Balance		0
Residential loans held for sale \| Other residential \| 60-89 days past due
Risk category
Balance		0
Residential loans held for sale \| Other residential \| Past due 90 days or more
Risk category
Balance		0
Residential loans held for sale \| Other residential \| Total past due
Risk category
Balance		0
Residential loans held for sale \| Other residential \| Current
Risk category
Balance		10
Consumer \| Consumer
Risk category
Balance		6
Consumer \| Consumer \| 30-59 days past due
Risk category
Balance		0
Consumer \| Consumer \| 60-89 days past due
Risk category
Balance		0
Consumer \| Consumer \| Past due 90 days or more
Risk category
Balance		0
Consumer \| Consumer \| Total past due
Risk category
Balance		0
Consumer \| Consumer \| Current
Risk category
Balance		6
Lease financing
Risk category
Balance		599
Lease financing \| 30-59 days past due
Risk category
Balance		0
Lease financing \| 60-89 days past due
Risk category
Balance		0
Lease financing \| Past due 90 days or more
Risk category
Balance		430
Lease financing \| Total past due
Risk category
Balance		430
Lease financing \| Current
Risk category
Balance		$ 169

FAIR VALUE OF FINANCIAL INSTRUMENTS

9 Months Ended

Sep. 30, 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.

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.

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 September 30, 2026 and December 31, 2025, are summarized below:


	September 30, 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. Treasury securities	$	6,434	$	—	$	6,434	$	—
U.S. government sponsored entities and U.S. agency securities	62,290		—		62,290		—
Mortgage-backed securities - agency	1,342,675		—		1,342,675		—
Mortgage-backed securities - non-agency	108,554		—		108,554		—
Asset-backed student loans	18,346		—		18,346		—
State and municipal securities	66,094		—		66,094		—
Collateralized loan obligations	236,718		—		236,718		—
Corporate securities	64,083		—		64,083		—
Equity securities	3,827		3,827		—		—
Residential loans held for sale	4,580		—		4,580		—
Credit enhancement asset	14,364		—		—		14,364
Derivative assets	11,938		—		11,938		—

Total	$	1,939,903	$	3,827	$	1,921,712	$	14,364
Liabilities
Derivative liabilities	$	1,511	$	—	$	1,511	$	—

Total	$	1,511	$	—	$	1,511	$	—

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


Collateral dependent loans:
Commercial	$	10,588	$	—	$	—	$	10,588
Commercial real estate	33,834		—		—		33,834

Residential real estate	1,281		—		—		1,281


Other real estate owned	180		—		—		180


	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 and nine months ended September 30, 2026 and 2025:


	Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands)	2026		2025		2026		2025


Collateral dependent loans	$	4,563	$	5,821	$	13,576	$	16,114


Total losses on assets measured on a nonrecurring basis	$	4,563	$	5,821	$	13,576	$	16,114

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 September 30, 2026 and December 31, 2025:

(dollars in thousands)

Fair value

Valuation
technique

Unobservable
input / assumptions

Discount Rate Range (weighted average) (1)

September 30, 2026

Collateral dependent loans:

Commercial

10,588

Fair value of collateral

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

0.00% - 23.94% (3.76%)

Commercial real estate

33,834

Fair value of collateral

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

0.00% - 100.00% (4.74%)

Residential real estate

1,281

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

180

Fair value of collateral

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

54.10% - 71.57% (59.63%)

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.

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 September 30, 2026 and December 31, 2025:


	September 30, 2026						December 31, 2025
(dollars in thousands)	Aggregate fair value		Difference		Contractual principal		Aggregate fair value		Difference		Contractual principal

Residential loans held for sale	$	4,580	$	51	$	4,529	$	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 and nine months ended September 30, 2026 and 2025:


	Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands)	2026		2025		2026		2025

Residential loans held for sale	$	(289)	$	(56)	$	(324)	$	80

The carrying values and estimated fair value of certain financial instruments not carried at fair value at September 30, 2026 and December 31, 2025 were as follows:


	September 30, 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	$	99,055	$	99,055	$	99,055	$	—	$	—
Federal funds sold	557		557		557		—		—

Loans, net	4,221,976		4,065,790		—		—		4,065,790
Accrued interest receivable	27,849		27,849		—		27,849		—

Liabilities
Deposits	$	5,617,438	$	5,608,501	$	—	$	5,608,501	$	—
Short-term borrowings	151,499		151,499		145,000		6,499		—
FHLB and other borrowings	353,000		350,609		—		350,609		—
Subordinated debt	27,035		22,178		—		22,178		—
Trust preferred debentures	52,409		47,277		—		47,277		—


	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 September 30, 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

FAIR VALUE OF FINANCIAL INSTRUMENTS - Recurring and Nonrecurring basis (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Assets
Investment securities available for sale	$ 1,905,194		$ 1,905,194		$ 1,523,001
Equity securities	3,827		3,827		4,235
U.S. Treasury securities
Assets
Investment securities available for sale	6,434		6,434
U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	62,290		62,290		19,823
Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	108,554		108,554		97,089
Asset-backed student loans
Assets
Investment securities available for sale	18,346		18,346		34,215
State and municipal securities
Assets
Investment securities available for sale	66,094		66,094		73,458
Collateralized loan obligations
Assets
Investment securities available for sale	236,718		236,718		46,854
Recurring
Assets
Equity securities	3,827		3,827		4,235
Residential loans held for sale	4,580		4,580		7,781
Credit enhancement asset	14,364		14,364		12,557
Derivative assets	$ 11,938		$ 11,938		$ 3,451
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets		Other assets		Other assets
Total	$ 1,939,903		$ 1,939,903		$ 1,551,025
Liabilities
Derivative liabilities	1,511		1,511		4,999
Total	1,511		1,511		4,999
Recurring \| U.S. Treasury securities
Assets
Investment securities available for sale	6,434		6,434
Recurring \| U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	62,290		62,290		19,823
Recurring \| Mortgage-backed securities - agency
Assets
Investment securities available for sale	1,342,675		1,342,675		1,193,750
Recurring \| Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	108,554		108,554		97,089
Recurring \| Asset-backed student loans
Assets
Investment securities available for sale	18,346		18,346		34,215
Recurring \| State and municipal securities
Assets
Investment securities available for sale	66,094		66,094		73,458
Recurring \| Collateralized loan obligations
Assets
Investment securities available for sale	236,718		236,718		46,854
Recurring \| Corporate securities
Assets
Investment securities available for sale	64,083		64,083		57,812
Recurring \| Level 1
Assets
Equity securities	3,827		3,827		4,235
Residential loans held for sale	0		0		0
Credit enhancement asset	0		0		0
Derivative assets	0		0		0
Total	3,827		3,827		4,235
Liabilities
Derivative liabilities	0		0		0
Total	0		0		0
Recurring \| Level 1 \| U.S. Treasury securities
Assets
Investment securities available for sale	0		0
Recurring \| Level 1 \| U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	0		0		0
Recurring \| Level 1 \| Mortgage-backed securities - agency
Assets
Investment securities available for sale	0		0		0
Recurring \| Level 1 \| Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	0		0		0
Recurring \| Level 1 \| Asset-backed student loans
Assets
Investment securities available for sale	0		0		0
Recurring \| Level 1 \| State and municipal securities
Assets
Investment securities available for sale	0		0		0
Recurring \| Level 1 \| Collateralized loan obligations
Assets
Investment securities available for sale	0		0		0
Recurring \| Level 1 \| Corporate securities
Assets
Investment securities available for sale	0		0		0
Recurring \| Level 2
Assets
Equity securities	0		0		0
Residential loans held for sale	4,580		4,580		7,781
Credit enhancement asset	0		0		0
Derivative assets	11,938		11,938		3,451
Total	1,921,712		1,921,712		1,534,233
Liabilities
Derivative liabilities	1,511		1,511		4,999
Total	1,511		1,511		4,999
Recurring \| Level 2 \| U.S. Treasury securities
Assets
Investment securities available for sale	6,434		6,434
Recurring \| Level 2 \| U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	62,290		62,290		19,823
Recurring \| Level 2 \| Mortgage-backed securities - agency
Assets
Investment securities available for sale	1,342,675		1,342,675		1,193,750
Recurring \| Level 2 \| Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	108,554		108,554		97,089
Recurring \| Level 2 \| Asset-backed student loans
Assets
Investment securities available for sale	18,346		18,346		34,215
Recurring \| Level 2 \| State and municipal securities
Assets
Investment securities available for sale	66,094		66,094		73,458
Recurring \| Level 2 \| Collateralized loan obligations
Assets
Investment securities available for sale	236,718		236,718		46,854
Recurring \| Level 2 \| Corporate securities
Assets
Investment securities available for sale	64,083		64,083		57,812
Recurring \| Level 3
Assets
Equity securities	0		0		0
Residential loans held for sale	0		0		0
Credit enhancement asset	14,364		14,364		12,557
Derivative assets	0		0		0
Total	14,364		14,364		12,557
Liabilities
Derivative liabilities	0		0		0
Total	0		0		0
Recurring \| Level 3 \| U.S. Treasury securities
Assets
Investment securities available for sale	0		0
Recurring \| Level 3 \| U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	0		0		0
Recurring \| Level 3 \| Mortgage-backed securities - agency
Assets
Investment securities available for sale	0		0		0
Recurring \| Level 3 \| Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	0		0		0
Recurring \| Level 3 \| Asset-backed student loans
Assets
Investment securities available for sale	0		0		0
Recurring \| Level 3 \| State and municipal securities
Assets
Investment securities available for sale	0		0		0
Recurring \| Level 3 \| Collateralized loan obligations
Assets
Investment securities available for sale	0		0		0
Recurring \| Level 3 \| Corporate securities
Assets
Investment securities available for sale	0		0		0
Non recurring
Assets measured at fair value on a non-recurring basis:
Other real estate owned	180		180		606
Losses recognized on assets measured on non-recurring basis
Collateral dependent loans	4,563	$ 5,821	13,576	$ 16,114
Total losses on assets measured on a nonrecurring basis	4,563	$ 5,821	13,576	$ 16,114
Non recurring \| Commercial
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	10,588		10,588		8,136
Non recurring \| Commercial real estate
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	33,834		33,834		40,324
Non recurring \| Residential real estate
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	1,281		1,281		592
Non recurring \| Level 1
Assets measured at fair value on a non-recurring basis:
Other real estate owned	0		0		0
Non recurring \| Level 1 \| Commercial
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	0		0		0
Non recurring \| Level 1 \| Commercial real estate
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	0		0		0
Non recurring \| Level 1 \| Residential real estate
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	0		0		0
Non recurring \| Level 2
Assets measured at fair value on a non-recurring basis:
Other real estate owned	0		0		0
Non recurring \| Level 2 \| Commercial
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	0		0		0
Non recurring \| Level 2 \| Commercial real estate
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	0		0		0
Non recurring \| Level 2 \| Residential real estate
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	0		0		0
Non recurring \| Level 3
Assets measured at fair value on a non-recurring basis:
Other real estate owned	180		180		606
Non recurring \| Level 3 \| Commercial
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	10,588		10,588		8,136
Non recurring \| Level 3 \| Commercial real estate
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	33,834		33,834		40,324
Non recurring \| Level 3 \| Residential real estate
Assets measured at fair value on a non-recurring basis:
Collateral dependent loans:	$ 1,281		$ 1,281		$ 592

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Sep. 30, 2026 shares
Trading Arrangements, by Individual
Non-Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Terminated	false
Jeffrey G. Ludwig [Member]
Trading Arrangements, by Individual
Material Terms of Trading Arrangement	On July 28, 2026, Jeffrey G. Ludwig, who serves as President, Chief Executive Officer and a director of the Company, terminated a previously disclosed Rule 10b5-1 trading arrangement that was intended to satisfy the affirmative defense of Rule 10b5-1(c) under the Exchange Act. The terminated trading arrangement would have expired on November 16, 2026, and provided for the sale of up to 8,383 shares of Company common stock that were subject to stock options held by Mr. Ludwig, subject to certain conditions, including the expiration of the cooling-off period described in Rule 10b5-1(c).
Name	Jeffrey G. Ludwig
Title	President, Chief Executive Officer and a director
Rule 10b5-1 Arrangement Terminated	true
Termination Date	July 28, 2026
Aggregate Available	8,383
Jerry McDaniel [Member]
Trading Arrangements, by Individual
Material Terms of Trading Arrangement	On August 20, 2026, Jerry McDaniel, a director of the Company, adopted a Rule 10b5-1 trading arrangement intended to satisfy the affirmative defense of Rule 10b5-1(c) under the Exchange Act. The trading arrangement expires on November 9, 2027, and provides for the sale of up to 30,000 shares of Company common stock beneficially owned by Mr. McDaniel, subject to certain conditions, including the expiration of the cooling-off period described in Rule 10b5-1(c).
Name	Jerry McDaniel
Title	director
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	August 20, 2026
Expiration Date	November 9, 2027
Arrangement Duration	446 days
Aggregate Available	30,000

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)

9 Months Ended

Sep. 30, 2026

Fair Value Disclosures [Abstract]

Schedule of Assets and Liabilities Measured and Recorded at Fair Value


	September 30, 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. Treasury securities	$	6,434	$	—	$	6,434	$	—
U.S. government sponsored entities and U.S. agency securities	62,290		—		62,290		—
Mortgage-backed securities - agency	1,342,675		—		1,342,675		—
Mortgage-backed securities - non-agency	108,554		—		108,554		—
Asset-backed student loans	18,346		—		18,346		—
State and municipal securities	66,094		—		66,094		—
Collateralized loan obligations	236,718		—		236,718		—
Corporate securities	64,083		—		64,083		—
Equity securities	3,827		3,827		—		—
Residential loans held for sale	4,580		—		4,580		—
Credit enhancement asset	14,364		—		—		14,364
Derivative assets	11,938		—		11,938		—

Total	$	1,939,903	$	3,827	$	1,921,712	$	14,364
Liabilities
Derivative liabilities	$	1,511	$	—	$	1,511	$	—

Total	$	1,511	$	—	$	1,511	$	—

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


Collateral dependent loans:
Commercial	$	10,588	$	—	$	—	$	10,588
Commercial real estate	33,834		—		—		33,834

Residential real estate	1,281		—		—		1,281


Other real estate owned	180		—		—		180


	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 and nine months ended September 30, 2026 and 2025:


	Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands)	2026		2025		2026		2025


Collateral dependent loans	$	4,563	$	5,821	$	13,576	$	16,114


Total losses on assets measured on a nonrecurring basis	$	4,563	$	5,821	$	13,576	$	16,114

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

(dollars in thousands)

Fair value

Valuation
technique

Unobservable
input / assumptions

Discount Rate Range (weighted average) (1)

September 30, 2026

Collateral dependent loans:

Commercial

10,588

Fair value of collateral

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

0.00% - 23.94% (3.76%)

Commercial real estate

33,834

Fair value of collateral

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

0.00% - 100.00% (4.74%)

Residential real estate

1,281

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

180

Fair value of collateral

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

54.10% - 71.57% (59.63%)

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


	September 30, 2026						December 31, 2025
(dollars in thousands)	Aggregate fair value		Difference		Contractual principal		Aggregate fair value		Difference		Contractual principal

Residential loans held for sale	$	4,580	$	51	$	4,529	$	7,781	$	390	$	7,391


	Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands)	2026		2025		2026		2025

Residential loans held for sale	$	(289)	$	(56)	$	(324)	$	80

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 September 30, 2026 and December 31, 2025 were as follows:


	September 30, 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	$	99,055	$	99,055	$	99,055	$	—	$	—
Federal funds sold	557		557		557		—		—

Loans, net	4,221,976		4,065,790		—		—		4,065,790
Accrued interest receivable	27,849		27,849		—		27,849		—

Liabilities
Deposits	$	5,617,438	$	5,608,501	$	—	$	5,608,501	$	—
Short-term borrowings	151,499		151,499		145,000		6,499		—
FHLB and other borrowings	353,000		350,609		—		350,609		—
Subordinated debt	27,035		22,178		—		22,178		—
Trust preferred debentures	52,409		47,277		—		47,277		—


	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		—

Cover Page - shares	9 Months Ended
Cover Page - shares	Sep. 30, 2026	Oct. 20, 2026
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 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)		20,802,347
Entity Central Index Key	0001466026
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2026
Document Fiscal Period Focus	Q3
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

LOANS - Risk Rating (Details) - Other loans days past due	Sep. 30, 2026
Credit Risk State One \| Minimum
Risk category
Other loans days past due	0 days
Credit Risk State One \| Maximum
Risk category
Other loans days past due	14 days
Credit Risk State Two \| Minimum
Risk category
Other loans days past due	15 days
Credit Risk State Two \| Maximum
Risk category
Other loans days past due	29 days
Credit Risk State Three \| Minimum
Risk category
Other loans days past due	30 days
Credit Risk State Three \| Maximum
Risk category
Other loans days past due	59 days
Credit Risk State Four \| Minimum
Risk category
Other loans days past due	60 days
Credit Risk State Four \| Maximum
Risk category
Other loans days past due	89 days
Credit Risk State Default \| Minimum
Risk category
Other loans days past due	90 days

DERIVATIVE INSTRUMENTS

9 Months Ended

Sep. 30, 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.


	September 30, 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	$	7,410	$	—	$	177,600	$	608	$	2,901	$	228,157
Cash flow hedges
Investment securities available for sale	2,088		—		240,000		754		—		90,000
Pools of commercial and commercial real estate loans	323		903		283,000		1,528		1,180		300,000
FHLB advances, brokered CDs and other borrowings	1,313		—		100,000		29		502		125,000
Total derivatives designated as accounting hedges	$	11,134	$	903	$	800,600	$	2,919	$	4,583	$	743,157
Derivatives not designated as accounting hedges:
Interest rate contracts
Swaps	$	595	$	595	$	62,463	$	395	$	395	$	52,637
Interest rate lock commitments	—		13		6,559		137		—		4,594
Forward commitments to sell mortgage-backed securities	209		—		8,250		—		21		9,179
Total derivatives not designated as accounting hedges	$	804	$	608	$	77,272	$	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)	September 30, 2026		December 31, 2025		September 30, 2026		December 31, 2025

Investment securities available for sale	$	165,454	$	352,968	$	7,410	$	(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 September 30,
Gain (loss) on fair value hedging relationships
Interest rate contracts
Fixed-rate mortgage-backed securities	Interest income on investment securities available for sale	$	6,592	$	(328)	Interest income on investment securities available for sale	$	(6,638)	$	391


Nine Months Ended September 30,
Gain (loss) on fair value hedging relationships
Interest rate contracts
Fixed-rate mortgage-backed securities	Interest income on investment securities available for sale	$	9,703	$	(5,322)	Interest income on investment securities available for sale	$	(9,571)	$	5,431

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 September 30,
Gain (loss) on cash flow hedging relationships
Interest rate contracts
Pools of commercial and commercial real estate loans	$	(325)	$	3		Interest income on loans		$	(112)	$	(111)
Investment securities available for sale	(517)		(356)			Interest income on investment securities available for sale		(75)		(55)
FHLB advances, brokered CDs and other borrowings	763		(86)			Interest expense		(31)		(31)

Total gain (loss) on cash flow hedging relationships	$	(79)	$	(439)				$	(218)	$	(197)


Nine Months Ended September 30,
Gain (loss) on cash flow hedging relationships
Interest rate contracts
Pools of commercial and commercial real estate loans	$	(928)	$	1,358		Interest income on loans		$	(331)	$	(1,857)
Investment securities available for sale	(948)		161			Interest income on investment securities available for sale		(183)		(32)
FHLB advances, brokered CDs and other borrowings	1,785		(871)			Interest expense		(91)		213
FHLB advances, brokered CDs and other borrowings	(154)		—			Noninterest expense		(154)		—
Total gain (loss) on cash flow hedging relationships	$	(245)	$	648				$	(759)	$	(1,676)

During the next 12 months, we estimate $1.4 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:


		Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands)	Location of gain (loss) recognized in income on derivative	2026		2025		2026		2025

Gain (loss) on derivative instruments not designated as accounting hedges
Interest rate contracts	Residential mortgage banking revenue	$	(9)	$	45	$	80	$	104

Total gain (loss) on derivative instruments not designated as accounting hedges		$	(9)	$	45	$	80	$	104

- 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.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	Sep. 30, 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 consolidated financial statements reflect all adjustments, consisting of normal recurring adjustments, that, in the opinion of management, are necessary to present fairly the results for the periods presented. 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 and nine months ended September 30, 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 consolidated financial statements or related disclosures.

PREMISES, EQUIPMENT AND LEASES - Information Related to Operating Leases (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Property, Plant, and Equipment [Abstract]
Operating lease cost	$ 520	$ 483	$ 1,508	$ 1,461
Operating cash flows from leases	504	464	1,545	1,467
Right-of-use assets obtained in exchange for lease obligations	820	36	948	873
Right-of-use assets derecognized due to termination	$ 111	$ 0	$ 111	$ 0
Weighted average remaining lease term	5 years 9 months 18 days	6 years 3 months 18 days	5 years 9 months 18 days	6 years 3 months 18 days
Weighted average discount rate	3.96%	3.72%	3.96%	3.72%

EARNINGS PER COMMON SHARE (Tables)

9 Months Ended

Sep. 30, 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 and nine months ended September 30, 2026 and 2025:


	Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands, except per share data)	2026		2025		2026		2025
Net income (loss)	$	22,808	$	7,557	$	61,159	$	(121,393)
Preferred dividends declared	(2,229)		(2,229)		(6,685)		(6,685)

Net income (loss) available to common shareholders	20,579		5,328		54,474		(128,078)
Common shareholder dividends	(6,863)		(6,893)		(20,214)		(20,230)
Unvested restricted stock award dividends	(147)		(124)		(484)		(354)
Undistributed earnings to unvested restricted stock awards	(296)		—		(786)		—
Undistributed earnings (loss) to common shareholders	$	13,273	$	(1,689)	$	32,990	$	(148,662)
Basic
Distributed earnings to common shareholders	$	6,863	$	6,893	$	20,214	$	20,230
Undistributed earnings (loss) to common shareholders	13,273		(1,689)		32,990		(148,662)
Total common shareholders earnings (loss), basic	$	20,136	$	5,204	$	53,204	$	(128,432)
Diluted
Distributed earnings to common shareholders	$	6,863	$	6,893	$	20,214	$	20,230
Undistributed earnings (loss) to common shareholders	13,273		(1,689)		32,990		(148,662)
Total common shareholders earnings (loss)	20,136		5,204		53,204		(128,432)
Add back:
Undistributed earnings reallocated from unvested restricted stock awards	—		—		—		—
Total common shareholders earnings (loss), diluted	$	20,136	$	5,204	$	53,204	$	(128,432)
Weighted average common shares outstanding, basic	21,128,351		21,863,911		21,167,256		21,826,566
Dilutive effect of options	11,792		—		—		—
Weighted average common shares outstanding, diluted	21,140,143		21,863,911		21,167,256		21,826,566
Basic earnings (loss) per common share	$	0.95	$	0.24	$	2.51	$	(5.88)
Diluted earnings (loss) per common share	$	0.95	$	0.24	$	2.51	$	(5.88)

Antidilutive stock options (1)	—		228,802		74,339		228,802

INVESTMENT SECURITIES - Allowance for Credit Loss and Unrealized Losses and Fair Values (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Available For Sale Securities, Continuous Unrealized Loss Position, Fair Values
Less than 12 Months, Fair value	$ 1,058,157	$ 222,626
Less than 12 Months, Unrealized loss	58,358	1,222
12 Months or more, Fair value	554,555	663,757
12 Months or more, Unrealized loss	116,405	83,915
Total, Fair value	1,612,712	886,383
Total, Unrealized loss	174,763	85,137
U.S. Treasury securities
Available For Sale Securities, Continuous Unrealized Loss Position, Fair Values
Less than 12 Months, Fair value	499
Less than 12 Months, Unrealized loss	0
12 Months or more, Fair value	0
12 Months or more, Unrealized loss	0
Total, Fair value	499
Total, Unrealized loss	0
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	61,595	9,668
Less than 12 Months, Unrealized loss	3,510	5
12 Months or more, Fair value	0	9,077
12 Months or more, Unrealized loss	0	923
Total, Fair value	61,595	18,745
Total, Unrealized loss	3,510	928
Mortgage-backed securities - agency
Available For Sale Securities, Continuous Unrealized Loss Position, Fair Values
Less than 12 Months, Fair value	860,598	201,422
Less than 12 Months, Unrealized loss	50,437	1,191
12 Months or more, Fair value	467,599	524,471
12 Months or more, Unrealized loss	105,636	74,285
Total, Fair value	1,328,197	725,893
Total, Unrealized loss	156,073	75,476
Mortgage-backed securities - non-agency
Available For Sale Securities, Continuous Unrealized Loss Position, Fair Values
Less than 12 Months, Fair value	64,308	42
Less than 12 Months, Unrealized loss	2,392	0
12 Months or more, Fair value	14,577	22,386
12 Months or more, Unrealized loss	3,036	2,331
Total, Fair value	78,885	22,428
Total, Unrealized loss	5,428	2,331
Asset-backed student loans
Available For Sale Securities, Continuous Unrealized Loss Position, Fair Values
Less than 12 Months, Fair value	2,401	5,166
Less than 12 Months, Unrealized loss	12	13
12 Months or more, Fair value	12,571	14,378
12 Months or more, Unrealized loss	65	73
Total, Fair value	14,972	19,544
Total, Unrealized loss	77	86
State and municipal securities
Available For Sale Securities, Continuous Unrealized Loss Position, Fair Values
Less than 12 Months, Fair value	25,078	3,826
Less than 12 Months, Unrealized loss	1,607	12
12 Months or more, Fair value	40,916	46,204
12 Months or more, Unrealized loss	6,841	3,972
Total, Fair value	65,994	50,030
Total, Unrealized loss	8,448	3,984
Collateralized loan obligations
Available For Sale Securities, Continuous Unrealized Loss Position, Fair Values
Less than 12 Months, Fair value	13,000	0
Less than 12 Months, Unrealized loss	64	0
12 Months or more, Fair value	0	0
12 Months or more, Unrealized loss	0	0
Total, Fair value	13,000	0
Total, Unrealized loss	64	0
Corporate securities
Available For Sale Securities, Continuous Unrealized Loss Position, Fair Values
Less than 12 Months, Fair value	30,678	2,502
Less than 12 Months, Unrealized loss	336	1
12 Months or more, Fair value	18,892	47,241
12 Months or more, Unrealized loss	827	2,331
Total, Fair value	49,570	49,743
Total, Unrealized loss	$ 1,163	$ 2,332

LOANS - Risk Category (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Risk category
Total	$ 4,282,828	$ 4,352,004
Commercial Loan Portfolio
Risk category
Originated in current fiscal year	658,071	1,097,142
Originated in fiscal year before latest fiscal year	945,436	569,783
Originated two years before latest fiscal year	405,406	280,787
Originated three years before latest fiscal year	190,841	685,254
Originated four years before latest fiscal year	590,265	365,163
Prior	455,611	306,298
Revolving loans	519,929	502,898
Total	3,765,559	3,807,325
Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in current fiscal year	632,250	1,089,177
Originated in fiscal year before latest fiscal year	935,384	539,475
Originated two years before latest fiscal year	384,457	259,225
Originated three years before latest fiscal year	176,125	615,066
Originated four years before latest fiscal year	527,033	341,230
Prior	414,523	258,172
Revolving loans	515,499	493,618
Total	3,585,271	3,595,963
Commercial Loan Portfolio \| Special mention
Risk category
Originated in current fiscal year	287	1,894
Originated in fiscal year before latest fiscal year	4,165	9,913
Originated two years before latest fiscal year	5,213	15,968
Originated three years before latest fiscal year	7,502	29,034
Originated four years before latest fiscal year	20,134	13,335
Prior	12,994	4,353
Revolving loans	1,131	663
Total	51,426	75,160
Commercial Loan Portfolio \| Substandard
Risk category
Originated in current fiscal year	22,158	1,624
Originated in fiscal year before latest fiscal year	326	10,034
Originated two years before latest fiscal year	413	3,792
Originated three years before latest fiscal year	5,417	10,470
Originated four years before latest fiscal year	24,746	9,330
Prior	16,974	34,842
Revolving loans	522	5,560
Total	70,556	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	991	9,587
Originated two years before latest fiscal year	14,931	1,496
Originated three years before latest fiscal year	1,578	30,429
Originated four years before latest fiscal year	18,211	1,268
Prior	11,055	8,912
Revolving loans	2,777	3,057
Total	49,543	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	3,376	3,292
Originated in fiscal year before latest fiscal year	4,570	774
Originated two years before latest fiscal year	392	306
Originated three years before latest fiscal year	219	255
Originated four years before latest fiscal year	141	0
Prior	65	19
Revolving loans	0	0
Total	8,763	4,646
Lease financing
Risk category
Originated in current fiscal year	505	5,664
Originated in fiscal year before latest fiscal year	3,687	8,275
Originated two years before latest fiscal year	5,775	12,897
Originated three years before latest fiscal year	8,049	17,726
Originated four years before latest fiscal year	10,123	4,854
Prior	2,200	1,565
Revolving loans	0	0
Total	30,339	50,981
Lease financing \| Performing
Risk category
Originated in current fiscal year	505	5,664
Originated in fiscal year before latest fiscal year	3,687	7,833
Originated two years before latest fiscal year	5,775	12,837
Originated three years before latest fiscal year	7,138	17,399
Originated four years before latest fiscal year	9,665	4,533
Prior	2,102	1,553
Revolving loans	0	0
Total	28,872	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	0	60
Originated three years before latest fiscal year	911	327
Originated four years before latest fiscal year	458	321
Prior	98	12
Revolving loans	0	0
Total	1,467	1,162
Loan Portfolios, Excluding Commercial
Risk category
Originated in current fiscal year	32,938	50,160
Originated in fiscal year before latest fiscal year	40,459	54,951
Originated two years before latest fiscal year	46,330	67,628
Originated three years before latest fiscal year	56,376	122,032
Originated four years before latest fiscal year	104,403	58,567
Prior	167,964	136,147
Revolving loans	68,799	55,194
Total	517,269	544,679
Loan Portfolios, Excluding Commercial \| Performing
Risk category
Originated in current fiscal year	32,897	50,135
Originated in fiscal year before latest fiscal year	40,459	54,506
Originated two years before latest fiscal year	46,308	67,070
Originated three years before latest fiscal year	55,115	121,462
Originated four years before latest fiscal year	102,835	57,950
Prior	165,212	133,625
Revolving loans	68,338	54,861
Total	511,164	539,609
Loan Portfolios, Excluding Commercial \| Nonperforming
Risk category
Originated in current fiscal year	41	25
Originated in fiscal year before latest fiscal year	0	445
Originated two years before latest fiscal year	22	558
Originated three years before latest fiscal year	1,261	570
Originated four years before latest fiscal year	1,568	617
Prior	2,752	2,522
Revolving loans	461	333
Total	6,105	5,070
Commercial \| Commercial Loan Portfolio
Risk category
Originated in current fiscal year	161,620	430,987
Originated in fiscal year before latest fiscal year	368,109	92,095
Originated two years before latest fiscal year	69,254	77,659
Originated three years before latest fiscal year	30,528	17,924
Originated four years before latest fiscal year	15,182	29,675
Prior	42,941	39,698
Revolving loans	386,017	374,653
Total	1,073,651	1,062,691
Commercial \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in current fiscal year	157,109	430,303
Originated in fiscal year before latest fiscal year	368,109	90,583
Originated two years before latest fiscal year	69,030	68,878
Originated three years before latest fiscal year	24,297	13,508
Originated four years before latest fiscal year	11,315	25,150
Prior	38,712	37,678
Revolving loans	382,650	369,376
Total	1,051,222	1,035,476
Commercial \| Commercial Loan Portfolio \| Special mention
Risk category
Originated in current fiscal year	48	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	0	0
Originated four years before latest fiscal year	0	0
Prior	0	21
Revolving loans	541	0
Total	589	7,339
Commercial \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in current fiscal year	4,463	37
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	40	2,556
Originated three years before latest fiscal year	5,238	216
Originated four years before latest fiscal year	0	4,099
Prior	0	1,181
Revolving loans	500	4,568
Total	10,241	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	184	996
Originated three years before latest fiscal year	993	4,200
Originated four years before latest fiscal year	3,867	426
Prior	4,229	818
Revolving loans	2,326	709
Total	11,599	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	3,757	5,167
Originated in fiscal year before latest fiscal year	2,105	1,732
Originated two years before latest fiscal year	1,208	2,325
Originated three years before latest fiscal year	1,420	6,684
Originated four years before latest fiscal year	2,543	1,004
Prior	564	694
Revolving loans	98,565	98,224
Total	110,162	115,830
Commercial other \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in current fiscal year	3,757	4,966
Originated in fiscal year before latest fiscal year	2,105	1,732
Originated two years before latest fiscal year	1,208	1,735
Originated three years before latest fiscal year	908	6,396
Originated four years before latest fiscal year	2,355	693
Prior	516	312
Revolving loans	97,854	94,573
Total	108,703	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	0	0
Originated two years before latest fiscal year	0	64
Originated three years before latest fiscal year	47	209
Originated four years before latest fiscal year	15	0
Prior	48	8
Revolving loans	590	663
Total	700	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	179	0
Originated four years before latest fiscal year	0	0
Prior	0	63
Revolving loans	22	992
Total	201	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	286	79
Originated four years before latest fiscal year	173	311
Prior	0	311
Revolving loans	99	1,996
Total	558	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	262,573	317,702
Originated in fiscal year before latest fiscal year	296,177	278,895
Originated two years before latest fiscal year	243,785	124,488
Originated three years before latest fiscal year	101,589	341,089
Originated four years before latest fiscal year	293,212	199,679
Prior	269,441	173,485
Revolving loans	10,297	12,556
Total	1,477,074	1,447,894
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in current fiscal year	250,683	317,256
Originated in fiscal year before latest fiscal year	292,804	253,999
Originated two years before latest fiscal year	223,874	121,375
Originated three years before latest fiscal year	101,589	327,996
Originated four years before latest fiscal year	266,079	187,171
Prior	236,984	132,080
Revolving loans	10,297	12,556
Total	1,382,310	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	2,965	7,630
Originated two years before latest fiscal year	5,213	3,113
Originated three years before latest fiscal year	0	2,780
Originated four years before latest fiscal year	11,119	12,508
Prior	12,248	3,600
Revolving loans	0	0
Total	31,545	29,735
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in current fiscal year	11,890	342
Originated in fiscal year before latest fiscal year	326	8,088
Originated two years before latest fiscal year	18	0
Originated three years before latest fiscal year	0	10,254
Originated four years before latest fiscal year	7,967	0
Prior	15,541	31,958
Revolving loans	0	0
Total	35,742	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	14,680	0
Originated three years before latest fiscal year	0	59
Originated four years before latest fiscal year	8,047	0
Prior	4,668	5,847
Revolving loans	0	0
Total	27,477	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	101,635	94,059
Originated in fiscal year before latest fiscal year	75,867	84,091
Originated two years before latest fiscal year	40,467	39,146
Originated three years before latest fiscal year	21,744	96,141
Originated four years before latest fiscal year	79,550	67,261
Prior	75,423	62,606
Revolving loans	2,686	1,139
Total	397,372	444,443
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in current fiscal year	100,943	92,863
Originated in fiscal year before latest fiscal year	74,958	82,708
Originated two years before latest fiscal year	40,045	39,146
Originated three years before latest fiscal year	21,445	86,498
Originated four years before latest fiscal year	77,905	66,979
Prior	73,129	59,816
Revolving loans	2,382	835
Total	390,807	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	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	0
Prior	604	630
Revolving loans	0	0
Total	604	1,471
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in current fiscal year	692	287
Originated in fiscal year before latest fiscal year	0	358
Originated two years before latest fiscal year	355	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	18
Prior	1,264	1,325
Revolving loans	0	0
Total	2,311	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	67	0
Originated three years before latest fiscal year	299	9,643
Originated four years before latest fiscal year	1,645	264
Prior	426	835
Revolving loans	304	304
Total	3,650	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	65,542	102,138
Originated in fiscal year before latest fiscal year	97,441	30,280
Originated two years before latest fiscal year	20,965	17,795
Originated three years before latest fiscal year	17,115	183,975
Originated four years before latest fiscal year	169,126	43,580
Prior	17,336	4,508
Revolving loans	803	1,101
Total	388,328	383,377
Multi-family \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in current fiscal year	60,429	102,138
Originated in fiscal year before latest fiscal year	96,241	30,280
Originated two years before latest fiscal year	20,965	10,233
Originated three years before latest fiscal year	9,660	150,482
Originated four years before latest fiscal year	138,868	38,456
Prior	16,720	4,473
Revolving loans	803	1,101
Total	343,686	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	1,200	0
Originated two years before latest fiscal year	0	7,562
Originated three years before latest fiscal year	7,455	17,045
Originated four years before latest fiscal year	9,000	0
Prior	0	0
Revolving loans	0	0
Total	17,655	24,607
Multi-family \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in current fiscal year	5,113	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	16,779	5,124
Prior	28	35
Revolving loans	0	0
Total	21,920	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	4,479	0
Prior	588	0
Revolving loans	0	0
Total	5,067	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	16,826	20,285
Originated in fiscal year before latest fiscal year	19,288	1,906
Originated two years before latest fiscal year	1,711	8,068
Originated three years before latest fiscal year	6,031	3,415
Originated four years before latest fiscal year	3,075	7,524
Prior	20,970	24,929
Revolving loans	1,803	823
Total	69,704	66,950
Farmland \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in current fiscal year	16,587	19,081
Originated in fiscal year before latest fiscal year	19,288	1,906
Originated two years before latest fiscal year	1,711	6,858
Originated three years before latest fiscal year	6,031	3,415
Originated four years before latest fiscal year	3,075	6,418
Prior	19,659	23,454
Revolving loans	1,755	775
Total	68,106	61,907
Farmland \| Commercial Loan Portfolio \| Special mention
Risk category
Originated in current fiscal year	239	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	92	94
Revolving loans	0	0
Total	331	921
Farmland \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in current fiscal year	0	958
Originated in fiscal year before latest fiscal year	0	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	75	280
Revolving loans	0	0
Total	75	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	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	267
Prior	1,144	1,101
Revolving loans	48	48
Total	1,192	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	46,118	126,804
Originated in fiscal year before latest fiscal year	86,449	80,784
Originated two years before latest fiscal year	28,016	11,306
Originated three years before latest fiscal year	12,414	36,026
Originated four years before latest fiscal year	27,577	16,440
Prior	28,936	378
Revolving loans	19,758	14,402
Total	249,268	286,140
Construction and land development \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in current fiscal year	42,742	122,570
Originated in fiscal year before latest fiscal year	81,879	78,267
Originated two years before latest fiscal year	27,624	11,000
Originated three years before latest fiscal year	12,195	26,771
Originated four years before latest fiscal year	27,436	16,363
Prior	28,803	359
Revolving loans	19,758	14,402
Total	240,437	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	0	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	0	0
Prior	2	0
Revolving loans	0	0
Total	2	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	0	0
Originated three years before latest fiscal year	0	0
Originated four years before latest fiscal year	0	77
Prior	66	0
Revolving loans	0	0
Total	66	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	3,376	3,292
Originated in fiscal year before latest fiscal year	4,570	774
Originated two years before latest fiscal year	392	306
Originated three years before latest fiscal year	219	255
Originated four years before latest fiscal year	141	0
Prior	65	19
Revolving loans	0	0
Total	8,763	4,646
Residential first lien \| Residential loans held for sale
Risk category
Originated in current fiscal year	22,795	8,279
Originated in fiscal year before latest fiscal year	6,425	28,464
Originated two years before latest fiscal year	26,615	38,411
Originated three years before latest fiscal year	36,209	61,114
Originated four years before latest fiscal year	57,547	29,627
Prior	138,590	120,248
Revolving loans	0	35
Total	288,181	286,178
Residential first lien \| Residential loans held for sale \| Performing
Risk category
Originated in current fiscal year	22,754	8,254
Originated in fiscal year before latest fiscal year	6,425	28,464
Originated two years before latest fiscal year	26,615	37,936
Originated three years before latest fiscal year	35,861	60,875
Originated four years before latest fiscal year	56,441	29,331
Prior	136,040	117,847
Revolving loans	0	35
Total	284,136	282,742
Residential first lien \| Residential loans held for sale \| Nonperforming
Risk category
Originated in current fiscal year	41	25
Originated in fiscal year before latest fiscal year	0	0
Originated two years before latest fiscal year	0	475
Originated three years before latest fiscal year	348	239
Originated four years before latest fiscal year	1,106	296
Prior	2,550	2,401
Revolving loans	0	0
Total	4,045	3,436
Other residential \| Residential loans held for sale
Risk category
Originated in current fiscal year	769	3,104
Originated in fiscal year before latest fiscal year	3,461	2,092
Originated two years before latest fiscal year	1,877	1,761
Originated three years before latest fiscal year	1,237	642
Originated four years before latest fiscal year	402	194
Prior	1,628	1,534
Revolving loans	60,466	54,118
Total	69,840	63,445
Other residential \| Residential loans held for sale \| Performing
Risk category
Originated in current fiscal year	769	3,104
Originated in fiscal year before latest fiscal year	3,461	2,092
Originated two years before latest fiscal year	1,877	1,761
Originated three years before latest fiscal year	1,237	642
Originated four years before latest fiscal year	402	194
Prior	1,540	1,441
Revolving loans	60,006	53,786
Total	69,292	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	88	93
Revolving loans	460	332
Total	548	425
Consumer \| Consumer
Risk category
Originated in current fiscal year	8,869	33,113
Originated in fiscal year before latest fiscal year	26,886	16,120
Originated two years before latest fiscal year	12,063	14,233
Originated three years before latest fiscal year	10,607	11,580
Originated four years before latest fiscal year	8,669	18,018
Prior	16,389	5,587
Revolving loans	1,027	1,041
Total	84,510	99,692
Consumer \| Consumer \| Performing
Risk category
Originated in current fiscal year	8,869	33,113
Originated in fiscal year before latest fiscal year	26,886	16,117
Originated two years before latest fiscal year	12,041	14,210
Originated three years before latest fiscal year	10,605	11,576
Originated four years before latest fiscal year	8,665	18,018
Prior	16,373	5,571
Revolving loans	1,026	1,040
Total	84,465	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	22	23
Originated three years before latest fiscal year	2	4
Originated four years before latest fiscal year	4	0
Prior	16	16
Revolving loans	1	1
Total	45	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	274	30,970
Originated four years before latest fiscal year	27,662	5,874
Prior	9,157	7,213
Revolving loans	7,306	0
Total	44,399	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	274	30,970
Originated four years before latest fiscal year	27,662	5,874
Prior	9,157	7,213
Revolving loans	7,306	0
Total	44,399	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

COMMITMENTS, CONTINGENCIES AND CREDIT RISK

9 Months Ended

Sep. 30, 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 uses 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. The Company does not anticipate any material losses and has adequately reserved for these instruments. The following table summarizes commitments to extend credit and standby letters of credit as of September 30, 2026 and December 31, 2025:


(dollars in thousands)	September 30, 2026		December 31, 2025
Commitments to extend credit	$	913,843	$	821,801
Financial guarantees – standby letters of credit	44,283		30,808

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	Sep. 30, 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 consolidated financial statements reflect all adjustments, consisting of normal recurring adjustments, that, in the opinion of management, are necessary to present fairly the results for the periods presented. 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 and nine months ended September 30, 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 consolidated financial statements or related disclosures.

LOANS - Loan Restructuring (Details) $ in Thousands	3 Months Ended		9 Months Ended
LOANS - Loan Restructuring (Details) $ in Thousands	Sep. 30, 2026 USD ($) loan	Sep. 30, 2025 USD ($) loan	Sep. 30, 2026 USD ($) loan	Sep. 30, 2025 USD ($) loan
Summary of loans
Balance \| $	$ 6,263	$ 20,681	$ 32,553	$ 22,993
Count \| loan	4	7	11	18
Commercial Loan Portfolio
Summary of loans
Balance \| $	$ 6,263	$ 20,661	$ 32,516	$ 22,821
Count \| loan	4	6	10	13
Commercial Loan Portfolio \| Commercial
Summary of loans
Balance \| $	$ 6,263	$ 10,901	$ 10,652	$ 11,949
Count \| loan	4	2	6	4
Commercial Loan Portfolio \| Commercial other
Summary of loans
Balance \| $	$ 0	$ 0	$ 0	$ 845
Count \| loan	0	0	0	4
Commercial Loan Portfolio \| Commercial real estate non-owner occupied
Summary of loans
Balance \| $	$ 0	$ 8,069	$ 7,706	$ 8,069
Count \| loan	0	2	1	2
Commercial Loan Portfolio \| Multi-family
Summary of loans
Balance \| $	$ 0	$ 0	$ 14,113	$ 0
Count \| loan	0	0	2	0
Commercial Loan Portfolio \| Farmland
Summary of loans
Balance \| $	$ 0	$ 120	$ 45	$ 387
Count \| loan	0	1	1	2
Commercial Loan Portfolio \| Construction and land development
Summary of loans
Balance \| $	$ 0	$ 1,571	$ 0	$ 1,571
Count \| loan	0	1	0	1
Residential loans held for sale \| Residential first lien
Summary of loans
Balance \| $	$ 0	$ 20	$ 37	$ 162
Count \| loan	0	1	1	4
Residential loans held for sale \| Other residential
Summary of loans
Balance \| $	$ 0	$ 0	$ 0	$ 10
Count \| loan	0	0	0	1

INVESTMENT SECURITIES - Classified (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Investment securities available for sale
Amortized cost	$ 2,071,176	$ 1,602,810
Gross unrealized gains	8,781	5,328
Gross unrealized losses	(174,763)	(85,137)
Fair value	1,905,194	1,523,001
Adjustments	7,400	(2,300)
U.S. Treasury securities
Investment securities available for sale
Amortized cost	6,434
Gross unrealized gains	0
Gross unrealized losses	0
Fair value	6,434
U.S. government sponsored entities and U.S. agency securities
Investment securities available for sale
Amortized cost	65,792	20,744
Gross unrealized gains	8	7
Gross unrealized losses	(3,510)	(928)
Fair value	62,290	19,823
Mortgage-backed securities - agency
Investment securities available for sale
Amortized cost	1,491,028	1,265,954
Gross unrealized gains	7,720	3,272
Gross unrealized losses	(156,073)	(75,476)
Fair value	1,342,675	1,193,750
Mortgage-backed securities - non-agency
Investment securities available for sale
Amortized cost	113,025	97,921
Gross unrealized gains	957	1,499
Gross unrealized losses	(5,428)	(2,331)
Fair value	108,554	97,089
Asset-backed student loans
Investment securities available for sale
Amortized cost	18,419	34,262
Gross unrealized gains	4	39
Gross unrealized losses	(77)	(86)
Fair value	18,346	34,215
State and municipal securities
Investment securities available for sale
Amortized cost	74,542	77,054
Gross unrealized gains	0	388
Gross unrealized losses	(8,448)	(3,984)
Fair value	66,094	73,458
Collateralized loan obligations
Investment securities available for sale
Amortized cost	236,704	46,800
Gross unrealized gains	78	54
Gross unrealized losses	(64)	0
Fair value	236,718	46,854
Corporate securities
Investment securities available for sale
Amortized cost	65,232	60,075
Gross unrealized gains	14	69
Gross unrealized losses	(1,163)	(2,332)
Fair value	$ 64,083	$ 57,812

SEGMENT INFORMATION

9 Months Ended

Sep. 30, 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, provision 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 and nine months ended September 30, 2026 and 2025 was as follows:


(dollars in thousands)	Banking		Wealth Management		Corporate		Total
Three Months Ended September 30, 2026
Interest income	$	93,021	$	—	$	—	$	93,021
Interest expense	28,912		13		1,374		30,299
Net interest income (expense)	64,109		(13)		(1,374)		62,722
Provision for credit losses	3,735		—		—		3,735
Wealth management revenue	—		8,651		—		8,651
Other noninterest income	14,719		—		(133)		14,586
Total noninterest income	14,719		8,651		(133)		23,237
Salaries and employee benefits	23,881		4,619		—		28,500
Depreciation expense	1,206		12		—		1,218
Amortization of intangible assets	412		234		—		646
Other noninterest expense (1)	21,565		1,491		(577)		22,479
Total noninterest expense	47,064		6,356		(577)		52,843
Income (loss) before income taxes	28,029		2,282		(930)		29,381
Income tax expense (benefit)	6,792		1,878		(2,097)		6,573
Net income (loss)	$	21,237	$	404	$	1,167	$	22,808
Total assets	$	6,830,426	$	39,547	$	(53,131)	$	6,816,842

Nine Months Ended September 30, 2026
Interest income	$	267,220	$	—	$	—	$	267,220
Interest expense	83,362		47		4,083		87,492
Net interest income (expense)	183,858		(47)		(4,083)		179,728
Provision for credit losses	15,557		—		—		15,557
Wealth management revenue	—		25,667		—		25,667

Other noninterest income	46,069		—		(2,609)		43,460
Total noninterest income	46,069		25,667		(2,609)		69,127
Salaries and employee benefits	68,311		13,700		—		82,011
Depreciation expense	3,615		34		—		3,649
Amortization of intangible assets	1,313		714		—		2,027

Other noninterest expense (1)	62,964		4,917		(1,546)		66,335
Total noninterest expense	136,203		19,365		(1,546)		154,022
Income (loss) before income taxes (benefit)	78,167		6,255		(5,146)		79,276
Income tax expense	17,554		3,527		(2,964)		18,117
Net income (loss)	$	60,613	$	2,728	$	(2,182)	$	61,159
Total assets	$	6,830,426	$	39,547	$	(53,131)	$	6,816,842


(dollars in thousands)	Banking		Wealth Management		Corporate		Total
Three Months Ended September 30, 2025
Interest income	$	98,493	$	—	$	—	$	98,493
Interest expense	35,011		20		2,345		37,376
Net interest income (expense)	63,482		(20)		(2,345)		61,117
Provision for credit losses	20,005		—		—		20,005
Wealth management revenue	—		8,018		—		8,018
Other noninterest income	13,861		—		(1,863)		11,998
Total noninterest income	13,861		8,018		(1,863)		20,016
Salaries and employee benefits	22,206		4,187		—		26,393
Depreciation expense	1,204		12		—		1,216
Amortization of intangible assets	492		251		—		743
Other noninterest expense (1)	20,727		1,463		(728)		21,462
Total noninterest expense	44,629		5,913		(728)		49,814
Income (loss) before income taxes	12,709		2,085		(3,480)		11,314
Income tax expense (benefit)	1,614		99		2,044		3,757
Net income (loss)	$	11,095	$	1,986	$	(5,524)	$	7,557
Total assets	$	6,922,827	$	35,589	$	(46,901)	$	6,911,515










Nine Months Ended September 30, 2025
Interest income	$	295,772	$	—	$	—	$	295,772
Interest expense	110,620		55		6,995		117,670
Net interest income (expense)	185,152		(55)		(6,995)		178,102
Provision for credit losses	48,224		—		—		48,224
Wealth management revenue	—		22,747		—		22,747

Other noninterest income	42,183		—		(3,617)		38,566
Total noninterest income	42,183		22,747		(3,617)		61,313
Salaries and employee benefits	66,450		12,044		—		78,494
Depreciation expense	3,639		33		—		3,672
Amortization of intangible assets	1,708		773		—		2,481
Impairment on goodwill	153,977		—		—		153,977
Other noninterest expense (1)	61,560		4,894		(2,267)		64,187
Total noninterest expense	287,334		17,744		(2,267)		302,811
Income (loss) before income taxes (benefit)	(108,223)		4,948		(8,345)		(111,620)
Income tax expense (benefit)	7,758		1,387		628		9,773
Net income (loss)	$	(115,981)	$	3,561	$	(8,973)	$	(121,393)
Total assets	$	6,922,827	$	35,589	$	(46,901)	$	6,911,515

- Definition

The entire disclosure for segment reporting.

+ References

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Reference 14: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

LOANS - Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Summary of loans
Total collateral dependent loans	$ 45,703	$ 46,978
Real Estate
Summary of loans
Total collateral dependent loans	36,963	38,975
Blanket Lien
Summary of loans
Total collateral dependent loans	8,060	8,003
Equipment
Summary of loans
Total collateral dependent loans	680	0
Commercial Loan Portfolio \| Commercial
Summary of loans
Total collateral dependent loans	10,523	3,850
Commercial Loan Portfolio \| Commercial \| Real Estate
Summary of loans
Total collateral dependent loans	3,443	0
Commercial Loan Portfolio \| Commercial \| Blanket Lien
Summary of loans
Total collateral dependent loans	6,400	3,850
Commercial Loan Portfolio \| Commercial \| Equipment
Summary of loans
Total collateral dependent loans	680	0
Commercial Loan Portfolio \| Commercial other
Summary of loans
Total collateral dependent loans	65	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	65	2,157
Commercial Loan Portfolio \| Commercial other \| Equipment
Summary of loans
Total collateral dependent loans	0	0
Commercial Loan Portfolio \| Commercial real estate non-owner occupied
Summary of loans
Total collateral dependent loans	26,263	13,951
Commercial Loan Portfolio \| Commercial real estate non-owner occupied \| Real Estate
Summary of loans
Total collateral dependent loans	26,263	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 non-owner occupied \| Equipment
Summary of loans
Total collateral dependent loans	0	0
Commercial Loan Portfolio \| Commercial real estate owner occupied
Summary of loans
Total collateral dependent loans	2,504	10,171
Commercial Loan Portfolio \| Commercial real estate owner occupied \| Real Estate
Summary of loans
Total collateral dependent loans	909	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 \| Commercial real estate owner occupied \| Equipment
Summary of loans
Total collateral dependent loans	0	0
Commercial Loan Portfolio \| Multi-family
Summary of loans
Total collateral dependent loans	5,067	16,448
Commercial Loan Portfolio \| Multi-family \| Real Estate
Summary of loans
Total collateral dependent loans	5,067	16,448
Commercial Loan Portfolio \| Multi-family \| Blanket Lien
Summary of loans
Total collateral dependent loans	0	0
Commercial Loan Portfolio \| Multi-family \| Equipment
Summary of loans
Total collateral dependent loans	0	0
Commercial Loan Portfolio \| Farmland
Summary of loans
Total collateral dependent loans		401
Commercial Loan Portfolio \| Farmland \| Real Estate
Summary of loans
Total collateral dependent loans		0
Commercial Loan Portfolio \| Farmland \| Blanket Lien
Summary of loans
Total collateral dependent loans		401
Commercial Loan Portfolio \| Farmland \| Equipment
Summary of loans
Total collateral dependent loans		$ 0
Residential loans held for sale \| Residential first lien
Summary of loans
Total collateral dependent loans	1,140
Residential loans held for sale \| Residential first lien \| Real Estate
Summary of loans
Total collateral dependent loans	1,140
Residential loans held for sale \| Residential first lien \| Blanket Lien
Summary of loans
Total collateral dependent loans	0
Residential loans held for sale \| Residential first lien \| Equipment
Summary of loans
Total collateral dependent loans	0
Residential loans held for sale \| Other residential
Summary of loans
Total collateral dependent loans	141
Residential loans held for sale \| Other residential \| Real Estate
Summary of loans
Total collateral dependent loans	141
Residential loans held for sale \| Other residential \| Blanket Lien
Summary of loans
Total collateral dependent loans	0
Residential loans held for sale \| Other residential \| Equipment
Summary of loans
Total collateral dependent loans	$ 0

SHORT-TERM BORROWINGS (Tables)

9 Months Ended

Sep. 30, 2026

Debt Disclosure [Abstract]

Schedule of Short Term Borrowings

The following table summarizes our short-term borrowings as of September 30, 2026 and December 31, 2025:



(dollars in thousands)	September 30, 2026		December 31, 2025
Securities sold under repurchase agreements	$	6,499	$	10,181
AFX borrowings	145,000		50,000
Total short-term borrowings	$	151,499	$	60,181

CONSOLIDATED STATEMENTS OF CASH FLOWS — (UNAUDITED) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025
Cash flows from operating activities:
Net income (loss)	$ 61,159	$ (121,393)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Provision for credit losses	15,557	48,224
Depreciation on premises and equipment	3,649	3,672
Impairment on goodwill	0	153,977
Amortization of intangible assets	2,027	2,481
Amortization of operating lease right-of-use asset	1,243	1,178
Amortization of loan servicing rights	1,154	1,703
Share-based compensation expense	2,330	2,185
Increase in cash surrender value of life insurance	(6,331)	(6,149)
Investment securities accretion, net	(13,109)	(10,287)
(Gain) loss on sales of investment securities, net	1,731	(14)
Origination of loans held for sale	(79,214)	(75,176)
Proceeds from sales of loans and leases held for sale	83,885	107,025
Gain on sale of loans held for sale	(1,650)	(1,963)
Gain on sale of mortgage servicing rights held for sale	(2,077)	0
Net change in operating assets and liabilities:
Accrued interest receivable	(4,025)	(1,343)
Credit enhancement asset	(1,807)	11,039
Other assets	27,055	22,487
Accrued expenses and other liabilities	(6,767)	(4,905)
Net cash provided by operating activities	84,810	132,741
Cash flows from investing activities:
Purchases of investment securities available for sale	(795,068)	(400,318)
Proceeds from sales of investment securities available for sale	98,599	103,759
Maturities and payments on investment securities available for sale	229,778	164,437
Purchases of equity securities	(100)	(152)
Net decrease in loans	42,577	487,562
Proceeds from sales of consumer loans held for sale	0	61,099
Purchases of premises and equipment	(1,408)	(4,606)
Proceeds from sale of premises and equipment	221	0
Purchases of nonmarketable equity securities	(13,945)	(107,172)
Proceeds from redemptions of nonmarketable equity securities	11,355	103,624
Proceeds from sales of mortgage servicing rights held for sale	5,727	0
Proceeds from sales of other real estate owned	635	4,774
Proceeds from company-owned life insurance, net	0	1,166
Net cash provided by (used in) investing activities	(421,629)	414,173
Cash flows from financing activities:
Net increase (decrease) in deposits	193,059	(592,418)
Net increase in short-term borrowings	91,318	59,267
Net increase in short-term FHLB advances	130,000	60,000
Proceeds from long-term FHLB advances	0	328,000
Payments made on long-term FHLB advances	(70,000)	(273,000)
Payments and subordinated debt redemption	0	(50,750)
Cash dividends paid on preferred stock	(6,685)	(6,685)
Cash dividends paid on common stock	(20,698)	(20,584)
Common stock repurchased, including excise tax	(10,657)	0
Proceeds from issuance of common stock under employee benefit plans	2,283	637
Net cash provided by (used in) financing activities	308,620	(495,533)
Net increase (decrease) in cash and cash equivalents	(28,199)	51,381
Cash and cash equivalents:
Beginning of period	127,811	114,766
End of period	99,612	166,147
Supplemental disclosures of cash flow information:
Interest paid on deposits and borrowed funds	90,006	123,045
Income tax paid (net of refunds)	1,280	(979)
Supplemental disclosures of noncash investing and financing activities:
Transfer of loans to loans held for sale	1,870	29,400
Transfer of loans to other real estate owned	222	187
Right-of-use assets obtained in exchange for lease obligations	948	873
Transfer of premises and equipment, net to assets held for sale	0	245
Transfer of loan servicing rights held for sale to loan servicing rights, at lower of cost or fair value	125	0
Loans provided for sale of consumer loans held for sale	$ 0	$ 219,212

SHORT-TERM BORROWINGS - Schedule of Short Term Borrowings (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2026	Dec. 31, 2025
Short-term Debt [Line Items]
Securities sold under repurchase agreements	$ 151,499	$ 60,181
Repurchase Agreement
Short-term Debt [Line Items]
Securities sold under repurchase agreements	6,499	10,181
AFX borrowings	145,000	50,000
Total short-term borrowings	$ 151,499	$ 60,181

- Definition

Reflects the total carrying amount as of the balance sheet date of debt having initial terms less than one year or the normal operating cycle, if longer.

+ References + Details