0000039311-26-000048 | 10-Q | XBRL Viewer

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Fair Value Disclosures - Schedule of Fair Value Measurements, Recurring and Nonrecurring (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Assets
Securities available for sale	$ 482,295	$ 495,909
Loans held for sale	19,714	9,031
U.S. agency
Assets
Securities available for sale	7,251	7,917
U.S. agency residential mortgage-backed
Assets
Securities available for sale	85,488	81,065
U.S. agency commercial mortgage-backed
Assets
Securities available for sale	6,967	7,186
Private label mortgage-backed
Assets
Securities available for sale	37,107	40,506
Other asset backed
Assets
Securities available for sale	28,939	30,185
Obligations of states and political subdivisions
Assets
Securities available for sale	273,560	280,402
Corporate
Assets
Securities available for sale	41,999	47,661
Trust preferred
Assets
Securities available for sale	984	987
Quoted Prices in Active Markets for Identical Assets (Level 1)
Assets
Securities available for sale	0	0
Derivative financial instruments	0	0
Liabilities
Derivatives	0	0
Significant Other Observable Inputs (Level 2)
Assets
Securities available for sale	482,295	495,909
Derivative financial instruments	26,970	29,584
Liabilities
Derivatives	15,575	19,551
Significant Un- observable Inputs (Level 3)
Assets
Securities available for sale	0	0
Derivative financial instruments	0	0
Liabilities
Derivatives	0	0
Measured at Fair Value on a Recurring Basis
Assets
Loans held for sale	19,714	9,031
Capitalized mortgage loan servicing rights	32,233	31,493
Derivative financial instruments	26,970	29,584
Liabilities
Derivatives	15,575	19,551
Measured at Fair Value on a Recurring Basis \| U.S. agency
Assets
Securities available for sale	7,251	7,917
Measured at Fair Value on a Recurring Basis \| U.S. agency residential mortgage-backed
Assets
Securities available for sale	85,488	81,065
Measured at Fair Value on a Recurring Basis \| U.S. agency commercial mortgage-backed
Assets
Securities available for sale	6,967	7,186
Measured at Fair Value on a Recurring Basis \| Private label mortgage-backed
Assets
Securities available for sale	37,107	40,506
Measured at Fair Value on a Recurring Basis \| Other asset backed
Assets
Securities available for sale	28,939	30,185
Measured at Fair Value on a Recurring Basis \| Obligations of states and political subdivisions
Assets
Securities available for sale	273,560	280,402
Measured at Fair Value on a Recurring Basis \| Corporate
Assets
Securities available for sale	41,999	47,661
Measured at Fair Value on a Recurring Basis \| Trust preferred
Assets
Securities available for sale	984	987
Measured at Fair Value on a Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Assets
Loans held for sale	0	0
Capitalized mortgage loan servicing rights	0	0
Derivative financial instruments	0	0
Liabilities
Derivatives	0	0
Measured at Fair Value on a Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| U.S. agency
Assets
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| U.S. agency residential mortgage-backed
Assets
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| U.S. agency commercial mortgage-backed
Assets
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Private label mortgage-backed
Assets
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Other asset backed
Assets
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Obligations of states and political subdivisions
Assets
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Corporate
Assets
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Trust preferred
Assets
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis \| Significant Other Observable Inputs (Level 2)
Assets
Loans held for sale	19,714	9,031
Capitalized mortgage loan servicing rights	0	0
Derivative financial instruments	26,970	29,584
Liabilities
Derivatives	15,575	19,551
Measured at Fair Value on a Recurring Basis \| Significant Other Observable Inputs (Level 2) \| U.S. agency
Assets
Securities available for sale	7,251	7,917
Measured at Fair Value on a Recurring Basis \| Significant Other Observable Inputs (Level 2) \| U.S. agency residential mortgage-backed
Assets
Securities available for sale	85,488	81,065
Measured at Fair Value on a Recurring Basis \| Significant Other Observable Inputs (Level 2) \| U.S. agency commercial mortgage-backed
Assets
Securities available for sale	6,967	7,186
Measured at Fair Value on a Recurring Basis \| Significant Other Observable Inputs (Level 2) \| Private label mortgage-backed
Assets
Securities available for sale	37,107	40,506
Measured at Fair Value on a Recurring Basis \| Significant Other Observable Inputs (Level 2) \| Other asset backed
Assets
Securities available for sale	28,939	30,185
Measured at Fair Value on a Recurring Basis \| Significant Other Observable Inputs (Level 2) \| Obligations of states and political subdivisions
Assets
Securities available for sale	273,560	280,402
Measured at Fair Value on a Recurring Basis \| Significant Other Observable Inputs (Level 2) \| Corporate
Assets
Securities available for sale	41,999	47,661
Measured at Fair Value on a Recurring Basis \| Significant Other Observable Inputs (Level 2) \| Trust preferred
Assets
Securities available for sale	984	987
Measured at Fair Value on a Recurring Basis \| Significant Un- observable Inputs (Level 3)
Assets
Loans held for sale	0	0
Capitalized mortgage loan servicing rights	32,233	31,493
Derivative financial instruments	0	0
Liabilities
Derivatives	0	0
Measured at Fair Value on a Recurring Basis \| Significant Un- observable Inputs (Level 3) \| U.S. agency
Assets
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis \| Significant Un- observable Inputs (Level 3) \| U.S. agency residential mortgage-backed
Assets
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis \| Significant Un- observable Inputs (Level 3) \| U.S. agency commercial mortgage-backed
Assets
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis \| Significant Un- observable Inputs (Level 3) \| Private label mortgage-backed
Assets
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis \| Significant Un- observable Inputs (Level 3) \| Other asset backed
Assets
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis \| Significant Un- observable Inputs (Level 3) \| Obligations of states and political subdivisions
Assets
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis \| Significant Un- observable Inputs (Level 3) \| Corporate
Assets
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis \| Significant Un- observable Inputs (Level 3) \| Trust preferred
Assets
Securities available for sale	0	0
Measured at Fair Value on a Non-recurring Basis: \| Collateral dependent loans \| Commercial \| Commercial and industrial
Assets
Loans receivable, fair value disclosure	8,597	7,361
Measured at Fair Value on a Non-recurring Basis: \| Collateral dependent loans \| Commercial \| Commercial real estate
Assets
Loans receivable, fair value disclosure	9,611	10,123
Measured at Fair Value on a Non-recurring Basis: \| Collateral dependent loans \| Mortgage \| 1-4 family owner occupied - non-jumbo
Assets
Loans receivable, fair value disclosure	571	432
Measured at Fair Value on a Non-recurring Basis: \| Collateral dependent loans \| Mortgage \| 1-4 family non-owner occupied
Assets
Loans receivable, fair value disclosure	78	14
Measured at Fair Value on a Non-recurring Basis: \| Collateral dependent loans \| Mortgage \| 1-4 family - 2nd lien
Assets
Loans receivable, fair value disclosure	267	238
Measured at Fair Value on a Non-recurring Basis: \| Collateral dependent loans \| Mortgage \| Resort lending
Assets
Loans receivable, fair value disclosure	37	37
Measured at Fair Value on a Non-recurring Basis: \| Collateral dependent loans \| Installment \| Boat lending
Assets
Loans receivable, fair value disclosure	55	150
Measured at Fair Value on a Non-recurring Basis: \| Collateral dependent loans \| Installment \| Recreational vehicle lending
Assets
Loans receivable, fair value disclosure	387	153
Measured at Fair Value on a Non-recurring Basis: \| Collateral dependent loans \| Installment \| Other
Assets
Loans receivable, fair value disclosure	52	70
Measured at Fair Value on a Non-recurring Basis: \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Collateral dependent loans \| Commercial \| Commercial and industrial
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Collateral dependent loans \| Commercial \| Commercial real estate
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Collateral dependent loans \| Mortgage \| 1-4 family owner occupied - non-jumbo
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Collateral dependent loans \| Mortgage \| 1-4 family non-owner occupied
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Collateral dependent loans \| Mortgage \| 1-4 family - 2nd lien
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Collateral dependent loans \| Mortgage \| Resort lending
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Collateral dependent loans \| Installment \| Boat lending
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Collateral dependent loans \| Installment \| Recreational vehicle lending
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Collateral dependent loans \| Installment \| Other
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Significant Other Observable Inputs (Level 2) \| Collateral dependent loans \| Commercial \| Commercial and industrial
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Significant Other Observable Inputs (Level 2) \| Collateral dependent loans \| Commercial \| Commercial real estate
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Significant Other Observable Inputs (Level 2) \| Collateral dependent loans \| Mortgage \| 1-4 family owner occupied - non-jumbo
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Significant Other Observable Inputs (Level 2) \| Collateral dependent loans \| Mortgage \| 1-4 family non-owner occupied
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Significant Other Observable Inputs (Level 2) \| Collateral dependent loans \| Mortgage \| 1-4 family - 2nd lien
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Significant Other Observable Inputs (Level 2) \| Collateral dependent loans \| Mortgage \| Resort lending
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Significant Other Observable Inputs (Level 2) \| Collateral dependent loans \| Installment \| Boat lending
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Significant Other Observable Inputs (Level 2) \| Collateral dependent loans \| Installment \| Recreational vehicle lending
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Significant Other Observable Inputs (Level 2) \| Collateral dependent loans \| Installment \| Other
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: \| Significant Un- observable Inputs (Level 3) \| Collateral dependent loans \| Commercial \| Commercial and industrial
Assets
Loans receivable, fair value disclosure	8,597	7,361
Measured at Fair Value on a Non-recurring Basis: \| Significant Un- observable Inputs (Level 3) \| Collateral dependent loans \| Commercial \| Commercial real estate
Assets
Loans receivable, fair value disclosure	9,611	10,123
Measured at Fair Value on a Non-recurring Basis: \| Significant Un- observable Inputs (Level 3) \| Collateral dependent loans \| Mortgage \| 1-4 family owner occupied - non-jumbo
Assets
Loans receivable, fair value disclosure	571	432
Measured at Fair Value on a Non-recurring Basis: \| Significant Un- observable Inputs (Level 3) \| Collateral dependent loans \| Mortgage \| 1-4 family non-owner occupied
Assets
Loans receivable, fair value disclosure	78	14
Measured at Fair Value on a Non-recurring Basis: \| Significant Un- observable Inputs (Level 3) \| Collateral dependent loans \| Mortgage \| 1-4 family - 2nd lien
Assets
Loans receivable, fair value disclosure	267	238
Measured at Fair Value on a Non-recurring Basis: \| Significant Un- observable Inputs (Level 3) \| Collateral dependent loans \| Mortgage \| Resort lending
Assets
Loans receivable, fair value disclosure	37	37
Measured at Fair Value on a Non-recurring Basis: \| Significant Un- observable Inputs (Level 3) \| Collateral dependent loans \| Installment \| Boat lending
Assets
Loans receivable, fair value disclosure	55	150
Measured at Fair Value on a Non-recurring Basis: \| Significant Un- observable Inputs (Level 3) \| Collateral dependent loans \| Installment \| Recreational vehicle lending
Assets
Loans receivable, fair value disclosure	387	153
Measured at Fair Value on a Non-recurring Basis: \| Significant Un- observable Inputs (Level 3) \| Collateral dependent loans \| Installment \| Other
Assets
Loans receivable, fair value disclosure	$ 52	$ 70

Securities - Schedule of Debt Securities, Held-to-Maturity, Allowance for Credit Loss (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 92	$ 132
Provision for credit losses	0	(3)
Recoveries credited to the allowance	0	0
Securities HTM charged against the allowance	0	0
Balance at end of period	92	129
Private label mortgage-backed
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	2	1
Provision for credit losses	0	0
Recoveries credited to the allowance	0	0
Securities HTM charged against the allowance	0	0
Balance at end of period	2	1
Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	19	17
Provision for credit losses	0	0
Recoveries credited to the allowance	0	0
Securities HTM charged against the allowance	0	0
Balance at end of period	19	17
Corporate
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	67	111
Provision for credit losses	0	(3)
Recoveries credited to the allowance	0	0
Securities HTM charged against the allowance	0	0
Balance at end of period	67	108
Trust preferred
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	4	3
Provision for credit losses	0	0
Recoveries credited to the allowance	0	0
Securities HTM charged against the allowance	0	0
Balance at end of period	$ 4	$ 3

Preparation of Financial Statements	3 Months Ended
Preparation of Financial Statements	Mar. 31, 2026
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Preparation of Financial Statements	Preparation of Financial Statements The interim condensed consolidated financial statements have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission. Certain information and note disclosures normally included in annual financial statements prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) have been condensed or omitted pursuant to those rules and regulations, although we believe that the disclosures made are adequate to make the information not misleading. The unaudited interim condensed consolidated financial statements should be read in conjunction with the audited consolidated financial statements and notes for the year ended December 31, 2025 included in our Annual Report on Form 10-K. In our opinion, the accompanying unaudited interim condensed consolidated financial statements contain all the adjustments necessary to present fairly our consolidated financial condition as of March 31, 2026 and December 31, 2025, and the results of operations for the three-month periods ended March 31, 2026 and 2025. The results of operations for the three-month periods ended March 31, 2026, are not necessarily indicative of the results to be expected for the full year. Certain reclassifications have been made in the prior period interim condensed consolidated financial statements to conform to the current period presentation. Our critical accounting policies include the determination of the allowance for credit losses (“ACL”) and the valuation of capitalized mortgage loan servicing rights. Refer to our 2025 Annual Report on Form 10-K for a disclosure of our accounting policies.

Condensed Consolidated Statements of Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Statement of Stockholders' Equity [Abstract]
Cash dividends declared (in dollars per share)	$ 0.28	$ 0.26
Stock repurchased during period (in shares)		1,093
Share based compensation (in shares)	58,847	106,099
Share-based compensation withholding obligation (in shares)	24,725	33,398

- Definition

Number of shares that have been repurchased during the period and have not been retired and are not held in treasury. Some state laws may govern the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.

+ References + Details

Revenue from Contracts with Customers - Narrative (Details)	3 Months Ended
	Mar. 31, 2026 USD ($) asset	Mar. 31, 2025 asset	Dec. 31, 2025 USD ($)
Revenue from Contract with Customer [Abstract]
Percentage of revenues excluded from ASC topic 606	88.80%	88.50%
Contract with customer, asset, after allowance for credit loss	$ 0		$ 0
Contract with customers, liability	$ 0		$ 0
Number of real estate assets sold during the period \| asset	0	0

Goodwill and Other Intangibles - Summary of Estimated Core Deposits Intangible Amortization (Details) $ in Thousands	Mar. 31, 2026 USD ($)
Summary of estimated core deposits intangible amortization [Abstract]
Nine months ending December 31, 2026	$ 345
2027	434
2028	107
Total	$ 886

Regulatory Matters - Narrative (Details) $ in Millions	Mar. 31, 2026 USD ($)	Dec. 31, 2025
Regulatory Matters [Abstract]
Undivided profits	$ 232.7
Capital conservation buffer	0.0250	0.0250

Leases - Schedule of Maturity Analysis of Lease Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Leases [Abstract]
Nine months ending December 31, 2026	$ 1,090
2027	1,339
2028	1,288
2029	1,296
2030	1,126
2031 and thereafter	2,258
Total lease payments	8,397
Less imputed interest	(1,178)
Total	$ 7,219	$ 7,528

Fair Value Disclosures - Schedule of Reconciliation for all Assets Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3) (Details) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2026 USD ($)	Mar. 31, 2025 USD ($)	Dec. 31, 2025 USD ($)	Jan. 31, 2025 USD ($)
Total gains (losses) realized and unrealized:
Mortgage loan servicing rights sold				$ 931,600
Mortgage loan servicing rights sold, percentage				0.263
Mortgage loan servicing rights sold, capitalized amount				$ 13,100
Mortgage loan servicing rights sold, capitalized, percentage				0.415
Holdback amount				$ 100
Transaction expense			$ 200
Capitalized Mortgage Loan Servicing Rights
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 31,493	$ 46,796	46,796
Total gains (losses) realized and unrealized:
Included in results of operations	10	(2,424)
Included in results of operations - gain on sale	0	(94)
Included in other comprehensive loss	0	0
Purchases, issuances, settlements, maturities and calls	730	855
Sales	0	(12,962)
Transfers in and/or out of Level 3	0	0
Ending balance	32,233	32,171	$ 31,493
Amount of total gains (losses) for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at March 31	$ 10	$ (2,424)

Securities - Amortized Cost and Fair Value of Securities Available for Sale and Held To Maturity, Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Securities AFS, Amortized Cost
Maturing within one year	$ 24,563
Maturing after one year but within five years	116,871
Maturing after five years but within ten years	41,501
Maturing after ten years	186,047
Securities available-for-sale, amortized cost	368,982
Total securities available-for-sale, amortized cost	537,672	$ 546,863
Securities AFS, Fair Value
Maturing within one year	24,262
Maturing after one year but within five years	110,741
Maturing after five years but within ten years	36,829
Maturing after ten years	151,962
Total securities available-for-sale, fair value	323,794
Securities available for sale	482,295	495,909
Securities HTM, Amortized Cost
Maturing within one year	15,651
Maturing after one year but within five years	42,376
Maturing after five years but within ten years	82,603
Maturing after ten years	63,039
Total securities held-to-maturity, amortized cost	203,669
Amortized Cost	313,364	322,597
Securities HTM, Fair Value
Maturing within one year	15,489
Maturing after one year but within five years	40,399
Maturing after five years but within ten years	73,956
Maturing after ten years	52,275
Total securities held-to-maturity, fair value	182,119
Total securities held-to-maturity, fair value	271,452	282,830
U.S. agency residential mortgage-backed
Securities AFS, Amortized Cost
Available-for-sale securities, without single maturity, amortized cost	92,239
Total securities available-for-sale, amortized cost	92,239	87,435
Securities AFS, Fair Value
Available-for-sale securities, without single maturity, fair value.	85,488
Securities available for sale	85,488	81,065
Securities HTM, Amortized Cost
Held to maturity securities, without single maturity date, amortized cost	98,746
Amortized Cost	98,746	100,588
Securities HTM, Fair Value
Held to maturity securities, without single maturity date, fair value	78,861
Total securities held-to-maturity, fair value	78,861	81,251
U.S. agency commercial mortgage-backed
Securities AFS, Amortized Cost
Available-for-sale securities, without single maturity, amortized cost	7,846
Total securities available-for-sale, amortized cost	7,846	8,039
Securities AFS, Fair Value
Available-for-sale securities, without single maturity, fair value.	6,967
Securities available for sale	6,967	7,186
Securities HTM, Amortized Cost
Held to maturity securities, without single maturity date, amortized cost	3,618
Amortized Cost	3,618	3,796
Securities HTM, Fair Value
Held to maturity securities, without single maturity date, fair value	3,372
Total securities held-to-maturity, fair value	3,372	3,547
Private label mortgage-backed
Securities AFS, Amortized Cost
Available-for-sale securities, without single maturity, amortized cost	39,248
Total securities available-for-sale, amortized cost	39,248	42,689
Securities AFS, Fair Value
Available-for-sale securities, without single maturity, fair value.	37,107
Securities available for sale	37,107	40,506
Securities HTM, Amortized Cost
Held to maturity securities, without single maturity date, amortized cost	7,331
Amortized Cost	7,331	7,376
Securities HTM, Fair Value
Held to maturity securities, without single maturity date, fair value	7,100
Total securities held-to-maturity, fair value	7,100	7,104
Other asset backed
Securities AFS, Amortized Cost
Available-for-sale securities, without single maturity, amortized cost	29,357
Total securities available-for-sale, amortized cost	29,357	30,633
Securities AFS, Fair Value
Available-for-sale securities, without single maturity, fair value.	28,939
Securities available for sale	28,939	$ 30,185
Securities HTM, Amortized Cost
Held to maturity securities, without single maturity date, amortized cost	0
Securities HTM, Fair Value
Held to maturity securities, without single maturity date, fair value	$ 0

Derivative Financial Instruments

3 Months Ended

Mar. 31, 2026

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Derivative Financial Instruments

We are required to record derivatives on our interim Condensed Consolidated Statements of Financial Condition as assets and liabilities measured at their fair value. The accounting for increases and decreases in the value of derivatives depends upon the use of derivatives and whether the derivatives qualify for hedge accounting.

Our derivative financial instruments according to the type of hedge in which they are designated follows:


	March 31, 2026
	Notional Amount		Average Maturity (years)	Fair Value
	(Dollars in thousands)
Fair value hedge designation
Pay-fixed interest rate swap agreement - commercial	$	5,137	3.1	$	190
Pay-fixed interest rate swap agreements - securities available for sale	148,895		1.6	6,752
Pay-fixed interest rate swap agreements - installment	50,000		1.3	(137)
Pay-fixed interest rate swap agreements - mortgage	80,000		1.7	(536)
Interest rate cap agreements - securities available for sale	40,970		2.1	90
Total	$	325,002	1.7	$	6,359

Cash flow hedge designation
Interest rate floor agreements - commercial	$	500,000	2.0	$	4,586
Interest rate cap agreements - short-term funding liabilities	50,000		1.9	141
Total	550,000		2.0	4,727

No hedge designation
Rate-lock mortgage loan commitments	$	29,532	0.1	$	166
Mandatory commitments to sell mortgage loans	46,740		0.1	143
Pay-fixed interest rate swap agreements - commercial	713,806		4.5	183
Pay-variable interest rate swap agreements - commercial	713,806		4.5	(183)
Total	$	1,503,884	4.2	$	309


	December 31, 2025
	Notional Amount		Average Maturity (years)	Fair Value
	(Dollars in thousands)
Fair value hedge designation
Pay-fixed interest rate swap agreement - commercial	$	5,242	3.4	$	175
Pay-fixed interest rate swap agreements - securities available for sale	148,895		1.8	6,923
Pay-fixed interest rate swap agreements - installment	100,000		1.4	(824)
Pay-fixed interest rate swap agreements - mortgage	117,000		1.7	(1,186)
Interest rate cap agreements - securities available for sale	40,970		2.3	32
Total	$	412,107	1.8	$	5,120

Cash flow hedge designation
Interest rate floor agreements - commercial	$	450,000	1.8	$	4,669
Interest rate cap agreements - short-term funding liabilities	50,000		2.1	46
Total	500,000		1.8	4,715

No hedge designation
Rate-lock mortgage loan commitments	17,180		0.1	230
Mandatory commitments to sell mortgage loans	24,909		0.1	(32)
Pay-fixed interest rate swap agreements - commercial	683,715		4.5	(3,345)
Pay-variable interest rate swap agreements - commercial	683,715		4.5	3,345
Total	$	1,409,519	4.4	$	198

We have established management objectives and strategies that include interest-rate risk parameters for maximum fluctuations in net interest income and market value of portfolio equity. We monitor our interest rate risk position via simulation modeling reports. The goal of our asset/liability management efforts is to maintain profitable financial leverage within established risk parameters.

We have entered into pay-fixed interest rate swaps and caps to protect a portion of the fair value of a certain fixed rate commercial loan and certain mortgage and installment loans (‘‘Fair Value Hedge – Portfolio Loans’’). As a result, changes in the fair values of the pay-fixed interest rate swaps and caps are expected to offset changes in the fair values of the fixed rate portfolio loans due to fluctuations in interest rates. We record the fair values of Fair Value Hedge – Portfolio Loans in accrued income and other assets and accrued expenses and other liabilities on our interim Condensed Consolidated Statements of Financial Condition. The hedged items (a fixed rate commercial loan and certain fixed rate mortgage and installment loans) are also recorded at fair value which offsets the adjustment to the Fair Value Hedge – Portfolio Loans. On an ongoing basis, we adjust our interim Condensed Consolidated Statements of Financial Condition to reflect the then current fair values of both the Fair Value Hedge – Portfolio Loans and the hedged items. The related gains or losses are reported in interest income – interest and fees on loans in our interim Condensed Consolidated Statements of Operations. During the first quarter of 2026 we terminated $87.0 million of Fair Value Hedges - Portfolio Loans. The remaining unrealized losses on these terminated fair value hedges of $0.33 million as of March 31, 2026 are being amortized into earnings over their original life ranging from November, 2026 to June, 2027. During the second quarter of 2023 we terminated an interest rate cap accounted for as a fair value hedge that was previously hedging certain installment loans. The remaining unrealized gain on this terminated interest cap of $0.11 million as of March 31, 2026 is being amortized into earnings over the original life of the interest rate cap which was February, 2030.

We have entered into pay-fixed interest rate swap and interest rate cap agreements to protect a portion of the fair value of certain securities available for sale (‘‘Fair Value Hedge – AFS Securities’’). As a result, the change in the fair value of the pay-fixed interest rate swap and interest rate cap agreements is expected to offset a portion of the change in the fair value of the fixed rate securities available for sale due to fluctuations in interest rates. We record the fair value of Fair Value Hedge

– AFS Securities in accrued income and other assets and accrued expenses and other liabilities on our interim Condensed Consolidated Statements of Financial Condition. The hedged items (fixed rate securities available for sale) are also recorded at fair value which offsets the adjustment to the Fair Value Hedge – AFS Securities. On an ongoing basis, we adjust our interim Condensed Consolidated Statements of Financial Condition to reflect the then current fair value of both the Fair Value Hedge – AFS Securities and the hedged item. The related gains or losses are reported in interest income – interest on securities – tax-exempt in our interim Condensed Consolidated Statements of Operations.

We have entered into interest rate floor agreements to manage the variability in future expected cash flows of certain commercial loans (‘‘Cash Flow Hedge – Portfolio Loans’’). We record the fair value of Cash Flow Hedge – Portfolio Loans in accrued income and other assets and accrued expenses and other liabilities on our interim Condensed Consolidated Statements of Financial Condition. The changes in the fair value of Cash Flow Hedge - Portfolio Loans are recorded in accumulated other comprehensive loss and are reclassified into the line item in our interim Condensed Consolidated Statements of Operations in which the hedged items are recorded in the same period the hedged items affect earnings.

We have entered into an interest rate cap agreement to manage the variability in future expected cash flows of certain short-term funding liabilities (‘‘Cash Flow Hedge – Short-term Funding Liabilities’’). We record the fair value of Cash Flow Hedge – Short-term Funding Liabilities in accrued income and other assets and accrued expenses and other liabilities on our interim Condensed Consolidated Statements of Financial Condition. The changes in the fair value of Cash Flow Hedge - Short-term Funding Liabilities are recorded in accumulated other comprehensive loss and are reclassified into the line item in our interim Condensed Consolidated Statements of Operations in which the hedged items are recorded in the same period the hedged items affect earnings.

For Cash Flow Hedges, it is anticipated that as of March 31, 2026, $1.9 million will be reclassified from accumulated other comprehensive loss as a reduction to earnings over the next twelve months. The maximum term of any Cash Flow Hedge at March 31, 2026 is 3.2 years.

Certain derivative financial instruments have not been designated as hedges. The fair value of these derivative financial instruments has been recorded on our interim Condensed Consolidated Statements of Financial Condition and is adjusted on an ongoing basis to reflect their then current fair value. The changes in fair value of derivative financial instruments not designated as hedges are recognized in earnings.

In the ordinary course of business, we enter into rate-lock mortgage loan commitments with customers (“Rate-Lock Commitments”). These commitments expose us to interest rate risk. We also enter into mandatory commitments to sell mortgage loans (“Mandatory Commitments”) to reduce the impact of price fluctuations of mortgage loans held for sale and Rate-Lock Commitments. Mandatory Commitments help protect our loan sale profit margin from fluctuations in interest rates. The changes in the fair value of Rate-Lock Commitments and Mandatory Commitments are recognized currently as part of net gains on mortgage loans in our interim Condensed Consolidated Statements of Operations. We obtain market prices on Mandatory Commitments and Rate-Lock Commitments. Net gains on mortgage loans, as well as net income may be more volatile as a result of these derivative instruments, which are not designated as hedges.

We have a program that allows commercial loan customers to lock in a fixed rate for a longer period of time than we would normally offer for interest rate risk reasons. We will enter into a variable rate commercial loan and an interest rate swap agreement with a customer and then enter into an offsetting interest rate swap agreement with an unrelated party. The interest rate swap agreement fair values will generally move in opposite directions resulting in little or no net impact on our interim Condensed Consolidated Statements of Operations. All of the interest rate swap agreements - commercial with no hedge designation in the table above relate to this program.

The following tables illustrate the impact that the derivative financial instruments discussed above have on individual line items in the interim Condensed Consolidated Statements of Financial Condition for the periods presented:

Fair Values of Derivative Instruments


	Asset Derivatives						Liability Derivatives
	March 31, 2026			December 31, 2025			March 31, 2026			December 31, 2025
	Balance Sheet Location	Fair Value		Balance Sheet Location	Fair Value		Balance Sheet Location	Fair Value		Balance Sheet Location	Fair Value
	(In thousands)
Derivatives designated as hedging instruments
Pay-fixed interest rate swap agreements	Other assets	$	6,961	Other assets	$	7,114	Other liabilities	$	692	Other liabilities	$	2,026
Interest rate cap agreements	Other assets	231		Other assets	78		Other liabilities	—		Other liabilities	—
Interest rate floor agreements	Other assets	4,586		Other assets	4,669		Other liabilities	—		Other liabilities	—
		11,778			11,861			692			2,026
Derivatives not designated as hedging instruments
Rate-lock mortgage loan commitments	Other assets	166		Other assets	230		Other liabilities	—		Other liabilities	—
Mandatory commitments to sell mortgage loans	Other assets	143		Other assets	—		Other liabilities	—		Other liabilities	32
Pay-fixed interest rate swap agreements - commercial	Other assets	7,533		Other assets	7,074		Other liabilities	7,350		Other liabilities	10,419
Pay-variable interest rate swap agreements - commercial	Other assets	7,350		Other assets	10,419		Other liabilities	7,533		Other liabilities	7,074
		15,192			17,723			14,883			17,525
Total derivatives		$	26,970		$	29,584		$	15,575		$	19,551

The effect of derivative financial instruments on the interim Condensed Consolidated Statements of Operations follows:


	Gain (Loss) Recognized in Other Comprehensive Income (Loss) (Effective Portion)				Location of Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)	Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)					Gain (Loss) Recognized in Income
	Three Month Periods Ended March 31,					Three Month Periods Ended March 31,				Location of Gain (Loss) Recognized in Income	Three Month Periods Ended March 31,
	2026		2025			2026		2025			2026		2025
											(In thousands)
Fair Value Hedges
Pay-fixed interest rate swap agreement - commercial										Interest and fees on loans	$	15	$	(85)
Pay-fixed interest rate swap agreements - securities available for sale										Interest on securities	(171)		(2,375)
Pay-fixed interest rate swap agreements - installment										Interest and fees on loans	687		(682)
Pay-fixed interest rate swap agreements - mortgage										Interest and fees on loans	650		(965)

Interest rate cap agreements - securities available for sale	$	58	$	(155)	Interest on securities	$	(54)	$	(54)	Interest on securities	—		—

Total	$	58	$	(155)		$	(54)	$	(54)		$	1,181	$	(4,107)

Cash Flow Hedges
Interest rate floor agreements - commercial	$	(922)	$	752	Interest and fees on loans	$	(176)	$	(368)	Interest and fees on loans	$	(176)	$	(368)
Interest rate cap agreements - short-term funding liabilities	95		(131)		Interest expense	(23)		(2)		Interest expense	(23)		(2)
Total	$	(827)	$	621		$	(199)	$	(370)		$	(199)	$	(370)

No hedge designation
Rate-lock mortgage loan commitments										Net gains on mortgage loans	$	(64)	$	268
Mandatory commitments to sell mortgage loans										Net gains on mortgage loans	175		(93)
Pay-fixed interest rate swap agreements - commercial										Interest and fees on loans	3,528		(9,275)
Pay-variable interest rate swap agreements - commercial										Interest and fees on loans	(3,528)		9,275
Total											$	111	$	175

- 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

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+ Details

Segment Reporting

3 Months Ended

Mar. 31, 2026

Segment Reporting [Abstract]

Segment Reporting

Independent Bank Corporation is a bank holding company, whose principal activity is the ownership and management of its wholly-owned subsidiaries, including Independent Bank. As a community-oriented financial institution, substantially all of our operations involve the delivery of loan and deposit products to customers.

We have one reportable segment which is determined by the Chief Executive Officer, who is the designated chief operating decision maker, based upon information provided about the products and services we offer, primarily banking operations. The segment is 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 the operating performance, products/services, and customers are similar. The chief operating decision maker will evaluate the performance of our business components such as evaluating revenue streams, significant expenses, and budget to actual results assessing our segment and in the determination of allocating resources. The chief operating decision maker uses revenue streams to evaluate product pricing and significant expenses to assess performance and evaluate return on assets. The chief operating decision maker uses consolidated net income, earnings per share, and return on average assets to benchmark us against our competitors. The benchmarking analysis coupled with monitoring of budget to actual results are used in assessing performance and in establishing compensation. Loans, investments, and deposits provide the majority of revenues in the banking operation. Interest expense, provisions for credit losses, and compensation and employee benefits provide the significant expenses in the banking operation. All operations are domestic.

Segment performance is evaluated using consolidated net income, earnings per share, and return on average assets. Information reported internally for performance assessment by the chief operating decision maker is as follows, inclusive of reconciliations of significant segment totals to the interim condensed consolidated financial statements for the three month periods ended March 31, 2026 and 2025.


	Three Months Ended March 31, 2026
	Independent Bank		Other(1)		Eliminations		Total
	(In thousands)
INTEREST INCOME
Interest and fees on loans	$	59,171	$	—	$	78	$	59,249
Interest on securities	5,876		—		—		5,876
Other investments	1,044		—		—		1,044
Total Interest Income	66,091		—		78		66,169
INTEREST EXPENSE
Deposits	18,397		—		—		18,397
Other borrowings and subordinated debt and debentures	240		677		—		917
Total Interest Expense	18,637		677		—		19,314
Net Interest Income	47,454		(677)		78		46,855
Provision for credit losses	362		—		—		362
Net Interest Income After Provision for Credit Losses	47,092		(677)		78		46,493
NON-INTEREST INCOME
Interchange income	3,234		—		—		3,234
Service charges on deposit accounts	2,935		—		—		2,935
Net gains on mortgage loans	1,208		—		100		1,308
Mortgage loan servicing, net	1,646		—		—		1,646
Other	2,828		345		(248)		2,925
Total Non-interest Income	11,851		345		(148)		12,048
NON-INTEREST EXPENSE
Compensation and employee benefits	21,740		134		(45)		21,829
Data processing	3,929		23		—		3,952
Occupancy, net	2,407		6		—		2,413
Litigation expense	1,500		—		—		1,500
Advertising	1,208		2		—		1,210
Interchange expense	1,191		—		—		1,191
Furniture, fixtures and equipment	894		—		—		894
FDIC deposit insurance	799		—		—		799
Loan and collection	752		—		—		752
Communications	587		6		—		593
Legal and professional	444		147		—		591
Other	2,369		218		—		2,587
Total Non-interest Expense	37,820		536		(45)		38,311
Income (Loss) Before Income Tax	21,123		(868)		(25)		20,230
Income tax expense (benefit)	3,563		(203)		(5)		3,355
Net Income (Loss)	$	17,560	$	(665)	$	(20)	$	16,875

OTHER SEGMENT DISCLOSURES
Depreciation	1,262		1		—		1,263
Amortization	115		—		—		115
Total assets	5,551,229		571,840		(565,560)		5,557,509

(1) Includes amounts relating to our parent company and certain insignificant operations.


	Three Months Ended March 31, 2025
	Independent Bank			Other(1)		Eliminations		Total
	(In thousands)
INTEREST INCOME
Interest and fees on loans	$	57,708		$	—	$	60	$	57,768
Interest on securities	6,806			—		—		6,806
Other investments	1,570			369		(369)		1,570
Total Interest Income	66,084			369		(309)		66,144
INTEREST EXPENSE
Deposits	21,324			—		(369)		20,955
Other borrowings and subordinated debt and debentures	143			1,361		—		1,504
Total Interest Expense	21,467			1,361		(369)		22,459
Net Interest Income	44,617			(992)		60		43,685
Provision for credit losses	721			—		—		721
Net Interest Income After Provision for Credit Losses	43,896			(992)		60		42,964
NON-INTEREST INCOME
Interchange income	3,127			—		—		3,127
Service charges on deposit accounts	2,814			—		—		2,814
Net gains on mortgage loans	2,223			—		80		2,303
Mortgage loan servicing, net	(636)			—		—		(636)
Other	2,694			319		(197)		2,816
Total Non-interest Income	10,222			319		(117)		10,424
NON-INTEREST EXPENSE
Compensation and employee benefits	20,292			132		(41)		20,383
Data processing	3,710			19		—		3,729
Occupancy, net	2,217		0	6		—		2,223
Interchange expense	1,119			—		—		1,119
Furniture, fixtures and equipment	884			1		—		885
Advertising	859			2		—		861
FDIC deposit insurance	711			—		—		711
Legal and professional	356			123		—		479
Loan and collection	786			—		—		786
Communications	582			9		—		591
Other	2,301			194		—		2,495
Total Non-interest Expense	33,817			486		(41)		34,262
Income (Loss) Before Income Tax	20,301			(1,159)		(16)		19,126
Income tax expense (benefit)	3,954			(414)		(4)		3,536
Net Income (Loss)	$	16,347		$	(745)	$	(12)	$	15,590

OTHER SEGMENT DISCLOSURES
Depreciation	1,240			1		—		1,241
Amortization	122			—		—		122
Total assets	5,321,109			562,848		(555,529)		5,328,428

(1) Includes amounts relating to our parent company and certain insignificant operations.

- Definition

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

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Loans (Tables)

3 Months Ended

Mar. 31, 2026

Receivables [Abstract]

Schedule of Financing Receivable, Current, Allowance for Credit Loss

An analysis of the ACL by portfolio segment for the three months ended March 31, follows:


	Commercial		Mortgage		Installment		Subjective Allocation		Total
	(In thousands)
2026
Balance at beginning of period	$	29,012	$	20,914	$	2,639	$	10,880	$	63,445
Additions (deductions)
Provision for credit losses	189		93		163		95		540
Recoveries credited to the allowance	13		32		454		—		499
Loans charged against the allowance	(37)		(5)		(723)		—		(765)
Balance at end of period	$	29,177	$	21,034	$	2,533	$	10,975	$	63,719

2025
Balance at beginning of period	$	22,872	$	22,317	$	3,040	$	11,150	$	59,379
Additions (deductions)
Provision for credit losses	1,379		(2,379)		59		1,665		724
Recoveries credited to the allowance	46		122		382		—		550
Loans charged against the allowance	—		(24)		(594)		—		(618)
Balance at end of period	$	24,297	$	20,036	$	2,887	$	12,815	$	60,035

Schedule of Financing Receivable, Nonaccrual

Loans on non-accrual status and past due more than 90 days (“Non-performing Loans”) follow:


	Non- Accrual with no Allowance for Credit Loss		Non- Accrual with an Allowance for Credit Loss		Total Non- Accrual		90+ and Still Accruing		Total Non- Performing Loans
	(In thousands)
March 31, 2026
Commercial
Commercial and industrial	$	—	$	67	$	67	$	—	$	67
Commercial real estate (1)	12,696		7,224		19,920		—		19,920
Mortgage
1-4 family owner occupied - jumbo	2,789		—		2,789		—		2,789
1-4 family owner occupied - non-jumbo (2)	1,366		1,181		2,547		—		2,547
1-4 family non-owner occupied	—		199		199		—		199
1-4 family - 2nd lien	465		784		1,249		—		1,249
Resort lending	—		57		57		—		57
Installment
Boat lending	—		273		273		—		273
Recreational vehicle lending	—		284		284		—		284
Other	—		188		188		—		188
Total	$	17,316	$	10,257	$	27,573	$	—	$	27,573

Accrued interest excluded from total	$	—	$	—	$	—	$	—	$	—

December 31, 2025
Commercial
Commercial and industrial	$	—	$	—	$	—	$	—	$	—
Commercial real estate (1)	9,261		7,252		16,513		—		16,513
Mortgage
1-4 family owner occupied - jumbo	2,145		—		2,145		—		2,145
1-4 family owner occupied - non-jumbo (2)	1,700		670		2,370		—		2,370
1-4 family non-owner occupied	—		94		94		—		94
1-4 family - 2nd lien	200		888		1,088		—		1,088
Resort lending	—		57		57		—		57
Installment
Boat lending	—		308		308		—		308
Recreational vehicle lending	—		354		354		—		354
Other	—		198		198		—		198
Total	$	13,306	$	9,821	$	23,127	$	—	$	23,127

Accrued interest excluded from total	$	—	$	—	$	—	$	—	$	—

(1)Non-performing commercial real estate loans exclude $7.090 million and $7.018 million of government guaranteed loans at March 31, 2026 and December 31, 2025, respectively.

(2)Non-performing 1-4 family owner occupied – non jumbo loans exclude $3.112 million and $2.929 million of government guaranteed loans at March 31, 2026 and December 31, 2025, respectively.

Schedule of Amortized Cost of Collateral-dependent Loans by Class

The amortized cost of collateral-dependent loans by class follows:


	Collateral Type				Allowance for Credit Losses
	Real Estate		Other (1)
	(In thousands)
March 31, 2026
Commercial
Commercial and industrial	$	673	$	9,740	$	1,302
Commercial real estate	28,024		—		5,093
Mortgage
1-4 family owner occupied - jumbo	2,790		—		—
1-4 family owner occupied - non-jumbo	2,190		—		253
1-4 family non-owner occupied	121		—		43
1-4 family - 2nd lien	879		—		147
Resort lending	57		—		20
Installment
Boat lending	—		86		31
Recreational vehicle lending	—		546		159
Other	—		81		29
Total	$	34,734	$	10,453	$	7,077

Accrued interest excluded from total	$	18	$	64

December 31, 2025
Commercial
Commercial and industrial	$	680	$	8,841	$	1,631
Commercial real estate	28,047		—		4,541
Mortgage
1-4 family owner occupied - jumbo	2,147		—		—
1-4 family owner occupied - non-jumbo	2,371		—		239
1-4 family non-owner occupied	22		—		8
1-4 family - 2nd lien	569		—		131
Resort lending	57		—		20
Installment
Boat lending	—		233		83
Recreational vehicle lending	—		237		84
Other	—		109		39
Total	$	33,893	$	9,420	$	6,776

Accrued interest excluded from total	$	73	$	54

(1) Commercial and industrial loan collateral generally includes machinery and equipment, accounts receivable, and inventory.

Schedule of Aging Analysis of Loans by Class

An aging analysis of loans by class follows:


	Loans Past Due								Loans not Past Due		Total Loans
	30-59 days		60-89 days		90+ days		Total
	(In thousands)
March 31, 2026
Commercial
Commercial and industrial	$	67	$	—	$	—	$	67	$	1,205,123	$	1,205,190
Commercial real estate	3,991		—		27,022		31,013		1,031,166		1,062,179
Mortgage
1-4 family owner occupied - jumbo	—		1,535		2,153		3,688		879,601		883,289
1-4 family owner occupied - non-jumbo	160		1,122		1,301		2,583		275,975		278,558
1-4 family non-owner occupied	48		309		42		399		174,109		174,508
1-4 family - 2nd lien	880		374		383		1,637		156,600		158,237
Resort lending	—		—		57		57		25,709		25,766
Installment
Boat lending	348		74		75		497		267,286		267,783
Recreational vehicle lending	1,014		210		159		1,383		182,112		183,495
Other	288		62		64		414		68,680		69,094
Total	$	6,796	$	3,686	$	31,256	$	41,738	$	4,266,361	$	4,308,099

Accrued interest excluded from total	$	71	$	42	$	—	$	113	$	13,965	$	14,078

December 31, 2025
Commercial
Commercial and industrial	$	—	$	—	$	—	$	—	$	1,158,841	$	1,158,841
Commercial real estate	—		22,988		3,900		26,888		1,027,828		1,054,716
Mortgage
1-4 family owner occupied - jumbo	716		660		2,164		3,540		875,221		878,761
1-4 family owner occupied - non-jumbo	1,381		757		1,301		3,439		286,123		289,562
1-4 family non-owner occupied	119		29		22		170		172,123		172,293
1-4 family - 2nd lien	270		235		460		965		156,632		157,597
Resort lending	—		—		57		57		26,551		26,608
Installment
Boat lending	287		200		242		729		271,783		272,512
Recreational vehicle lending	550		205		230		985		190,872		191,857
Other	475		74		58		607		72,931		73,538
Total	$	3,798	$	25,148	$	8,434	$	37,380	$	4,238,905	$	4,276,285
Accrued interest excluded from total	$	37	$	78	$	—	$	115	$	13,837	$	13,952

Schedule of Loan Ratings by Loan Class

The following tables summarize loan ratings by loan class for our commercial portfolio loan segment at March 31, 2026 and December 31, 2025:


	Commercial
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2026		2025		2024		2023		2022		Prior
	(In thousands)
March 31, 2026
Commercial and industrial
Non-watch (1-6)	$	52,640	$	218,751	$	186,995	$	114,724	$	108,642	$	137,169	$	333,019	$	1,151,940
Watch (7-8)	—		506		5,429		17,029		2,136		8,459		9,277		42,836
Substandard Accrual (9)	—		537		1,575		—		—		1,007		7,228		10,347
Non-Accrual (10-11)	—		—		—		—		—		67		—		67
Total	$	52,640	$	219,794	$	193,999	$	131,753	$	110,778	$	146,702	$	349,524	$	1,205,190
Accrued interest excluded from total	$	200	$	683	$	628	$	531	$	277	$	417	$	1,198	$	3,934
Current period gross charge-offs	$	—	$	—	$	—	$	37	$	—	$	—	$	—	$	37

Commercial real estate
Non-watch (1-6)	$	41,588	$	225,842	$	161,892	$	171,294	$	149,050	$	202,822	$	59,336	$	1,011,824
Watch (7-8)	—		1,270		1,314		4,132		13,841		1,771		625		22,953
Substandard Accrual (9)	—		—		—		392		—		—		—		392
Non-Accrual (10-11)	—		8,246		490		18,274		—		—		—		27,010
Total	$	41,588	$	235,358	$	163,696	$	194,092	$	162,891	$	204,593	$	59,961	$	1,062,179
Accrued interest excluded from total	$	103	$	636	$	554	$	495	$	524	$	602	$	222	$	3,136
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Total Commercial
Non-watch (1-6)	$	94,228	$	444,593	$	348,887	$	286,018	$	257,692	$	339,991	$	392,355	$	2,163,764
Watch (7-8)	—		1,776		6,743		21,161		15,977		10,230		9,902		65,789
Substandard Accrual (9)	—		537		1,575		392		—		1,007		7,228		10,739
Non-Accrual (10-11)	—		8,246		490		18,274		—		67		—		27,077
Total	$	94,228	$	455,152	$	357,695	$	325,845	$	273,669	$	351,295	$	409,485	$	2,267,369
Accrued interest excluded from total	$	303	$	1,319	$	1,182	$	1,026	$	801	$	1,019	$	1,420	$	7,070
Current period gross charge-offs	$	—	$	—	$	—	$	37	$	—	$	—	$	—	$	37


	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2025		2024		2023		2022		2021		Prior
	(In thousands)
December 31, 2025
Commercial and industrial
Non-watch (1-6)	$	199,338	$	188,309	$	131,090	$	115,518	$	45,116	$	140,699	$	300,540	$	1,120,610
Watch (7-8)	501		1,911		4,330		2,705		2,052		8,360		8,848		28,707
Substandard Accrual (9)	940		1,710		—		—		820		275		5,779		9,524
Non-Accrual (10-11)	—		—		—		—		—		—		—		—
Total	$	200,779	$	191,930	$	135,420	$	118,223	$	47,988	$	149,334	$	315,167	$	1,158,841
Accrued interest excluded from total	$	564	$	570	$	477	$	288	$	95	$	418	$	1,139	$	3,551
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate
Non-watch (1-6)	$	204,584	$	162,957	$	167,203	$	159,948	$	66,116	$	184,907	$	56,611	$	1,002,326
Watch (7-8)	—		823		4,162		13,887		—		4,840		625		24,337
Substandard Accrual (9)	3,348		—		396		—		126		652		—		4,522
Non-Accrual (10-11)	4,878		490		18,163		—		—		—		—		23,531
Total	$	212,810	$	164,270	$	189,924	$	173,835	$	66,242	$	190,399	$	57,236	$	1,054,716
Accrued interest excluded from total	$	695	$	555	$	494	$	624	$	141	$	703	$	138	$	3,350
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Total Commercial
Non-watch (1-6)	$	403,922	$	351,266	$	298,293	$	275,466	$	111,232	$	325,606	$	357,151	$	2,122,936
Watch (7-8)	501		2,734		8,492		16,592		2,052		13,200		9,473		53,044
Substandard Accrual (9)	4,288		1,710		396		—		946		927		5,779		14,046
Non-Accrual (10-11)	4,878		490		18,163		—		—		—		—		23,531
Total	$	413,589	$	356,200	$	325,344	$	292,058	$	114,230	$	339,733	$	372,403	$	2,213,557
Accrued interest excluded from total	$	1,259	$	1,125	$	971	$	912	$	236	$	1,121	$	1,277	$	6,901
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

For each of our mortgage and installment portfolio segment classes, we generally monitor credit quality based on the credit scores of the borrowers. These credit scores are generally updated semi-annually.

The following tables summarize credit scores by loan class for our mortgage and installment loan portfolio segments at March 31, 2026 and December 31, 2025:


	Mortgage (1)
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2026		2025		2024		2023		2022		Prior
	(In thousands)
March 31, 2026
1-4 family owner occupied - jumbo
800 and above	$	4,459	$	11,810	$	3,017	$	13,173	$	40,462	$	89,007	$	1,544	$	163,472
750-799	12,518		53,298		30,763		21,667		88,661		238,470		—		445,377
700-749	2,996		18,325		11,069		11,234		32,699		97,752		520		174,595
650-699	1,849		9,498		4,460		7,513		15,669		29,585		1,466		70,040
600-649	—		1,264		863		1,567		1,168		7,354		—		12,216
550-599	—		—		—		—		5,137		4,646		—		9,783
500-549	—		—		—		1,269		3,921		2,616		—		7,806
Under 500	—		—		—		—		—		—		—		—
Unknown	—		—		—		—		—		—		—		—
Total	$	21,822	$	94,195	$	50,172	$	56,423	$	187,717	$	469,430	$	3,530	$	883,289
Accrued interest excluded from total	$	41	$	462	$	246	$	294	$	555	$	1,132	$	12	$	2,742
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

1-4 family owner occupied - non-jumbo
800 and above	$	1,815	$	770	$	2,067	$	3,701	$	12,692	$	23,827	$	6,243	$	51,115
750-799	2,938		818		5,080		9,171		26,731		51,504		13,819		110,061
700-749	826		1,512		4,965		3,471		9,264		30,644		6,175		56,857
650-699	663		1,605		786		1,956		5,013		16,847		1,730		28,600
600-649	—		240		251		213		2,656		10,390		216		13,966
550-599	—		—		—		380		1,562		7,144		41		9,127
500-549	—		—		—		—		290		5,897		55		6,242
Under 500	—		—		85		—		595		1,910		—		2,590
Unknown	—		—		—		—		—		—		—		—
Total	$	6,242	$	4,945	$	13,234	$	18,892	$	58,803	$	148,163	$	28,279	$	278,558
Accrued interest excluded from total	$	8	$	123	$	68	$	80	$	188	$	466	$	183	$	1,116
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	5	$	—	$	5

1-4 family non-owner occupied
800 and above	$	449	$	3,846	$	1,085	$	3,095	$	3,376	$	20,022	$	670	$	32,543
750-799	5,121		12,300		11,939		9,417		12,155		45,577		1,320		97,829
700-749	952		4,586		2,361		1,102		2,538		11,852		1,609		25,000
650-699	—		1,041		1,260		536		2,694		9,477		341		15,349
600-649	—		—		707		—		76		1,431		—		2,214
550-599	182		—		—		—		367		682		—		1,231
500-549	—		—		—		—		—		300		—		300
Under 500	—		—		—		—		—		42		—		42
Unknown	—		—		—		—		—		—		—		—
Total	$	6,704	$	21,773	$	17,352	$	14,150	$	21,206	$	89,383	$	3,940	$	174,508
Accrued interest excluded from total	$	11	$	94	$	103	$	67	$	82	$	281	$	23	$	661
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


	Mortgage - continued (1)
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2026		2025		2024		2023		2022		Prior
	(In thousands)
March 31, 2026 - continued
1-4 family - 2nd lien
800 and above	$	80	$	1,206	$	362	$	347	$	440	$	2,128	$	16,602	$	21,165
750-799	92		2,853		2,411		1,798		1,441		5,519		58,674		72,788
700-749	—		2,431		1,399		1,357		1,573		3,870		29,934		40,564
650-699	—		831		433		434		445		1,766		11,469		15,378
600-649	—		—		141		72		192		794		2,190		3,389
550-599	—		20		41		224		71		737		1,715		2,808
500-549	—		—		24		400		108		713		424		1,669
Under 500	—		—		—		153		84		214		25		476
Unknown	—		—		—		—		—		—		—		—
Total	$	172	$	7,341	$	4,811	$	4,785	$	4,354	$	15,741	$	121,033	$	158,237
Accrued interest excluded from total	$	1	$	24	$	19	$	20	$	17	$	50	$	729	$	860
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Resort lending
800 and above	$	—	$	—	$	—	$	—	$	—	$	4,521	$	—	$	4,521
750-799	76		120		—		21		363		10,442		—		11,022
700-749	—		—		—		—		—		3,864		—		3,864
650-699	—		—		—		—		—		5,066		—		5,066
600-649	—		—		—		—		—		940		—		940
550-599	—		—		—		—		—		—		—		—
500-549	—		—		—		—		—		353		—		353
Under 500	—		—		—		—		—		—		—		—
Unknown	—		—		—		—		—		—		—		—
Total	$	76	$	120	$	—	$	21	$	363	$	25,186	$	—	$	25,766
Accrued interest excluded from total	$	—	$	1	$	—	$	—	$	1	$	117	$	—	$	119
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Total Mortgage
800 and above	$	6,803	$	17,632	$	6,531	$	20,316	$	56,970	$	139,505	$	25,059	$	272,816
750-799	20,745		69,389		50,193		42,074		129,351		351,512		73,813		737,077
700-749	4,774		26,854		19,794		17,164		46,074		147,982		38,238		300,880
650-699	2,512		12,975		6,939		10,439		23,821		62,741		15,006		134,433
600-649	—		1,504		1,962		1,852		4,092		20,909		2,406		32,725
550-599	182		20		41		604		7,137		13,209		1,756		22,949
500-549	—		—		24		1,669		4,319		9,879		479		16,370
Under 500	—		—		85		153		679		2,166		25		3,108
Unknown	—		—		—		—		—		—		—		—
Total	$	35,016	$	128,374	$	85,569	$	94,271	$	272,443	$	747,903	$	156,782	$	1,520,358
Accrued interest excluded from total	$	61	$	704	$	436	$	461	$	843	$	2,046	$	947	$	5,498
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	5	$	—	$	5


	Mortgage (1)
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2025		2024		2023		2022		2021		Prior
	(In thousands)
December 31, 2025
1-4 family owner occupied - jumbo
800 and above	$	10,135	$	3,881	$	13,290	$	40,752	$	55,563	$	35,693	$	1,668	$	160,982
750-799	51,765		33,022		25,431		89,810		168,312		75,497		1,906		445,743
700-749	16,958		11,934		11,935		32,634		68,111		30,819		518		172,909
650-699	7,923		5,188		7,533		17,251		13,827		15,953		1,500		69,175
600-649	1,267		867		1,568		1,170		4,031		3,370		—		12,273
550-599	—		—		—		5,161		1,644		3,040		—		9,845
500-549	—		—		1,273		3,936		720		1,905		—		7,834
Under 500	—		—		—		—		—		—		—		—
Unknown	—		—		—		—		—		—		—		—
Total	$	88,048	$	54,892	$	61,030	$	190,714	$	312,208	$	166,277	$	5,592	$	878,761
Accrued interest excluded from total	$	388	$	263	$	302	$	552	$	695	$	432	$	43	$	2,675
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

1-4 family owner occupied - non-jumbo
800 and above	$	5,270	$	2,088	$	4,148	$	13,160	$	9,606	$	14,616	$	4,613	$	53,501
750-799	8,911		6,532		9,828		26,722		21,376		30,100		13,508		116,977
700-749	2,593		4,978		3,803		8,981		8,552		23,235		5,702		57,844
650-699	2,343		788		1,960		5,046		4,154		12,947		1,586		28,824
600-649	366		301		214		2,610		1,153		9,218		168		14,030
550-599	—		—		382		1,570		721		6,547		41		9,261
500-549	—		—		—		291		779		5,303		60		6,433
Under 500	—		85		—		602		242		1,763		—		2,692
Unknown	—		—		—		—		—		—		—		—
Total	$	19,483	$	14,772	$	20,335	$	58,982	$	46,583	$	103,729	$	25,678	$	289,562
Accrued interest excluded from total	$	123	$	94	$	89	$	180	$	109	$	377	$	181	$	1,153
Current period gross charge-offs	$	—	$	—	$	—	$	19	$	—	$	5	$	—	$	24

1-4 family non-owner occupied
800 and above	$	3,958	$	2,399	$	3,229	$	3,693	$	10,379	$	10,302	$	943	$	34,903
750-799	13,466		10,671		9,247		13,152		26,912		19,293		1,452		94,193
700-749	4,343		2,349		1,174		2,551		3,439		8,540		1,618		24,014
650-699	1,046		1,263		487		2,747		3,427		6,127		402		15,499
600-649	—		708		—		77		—		1,470		—		2,255
550-599	—		—		—		367		—		717		—		1,084
500-549	—		—		—		—		50		253		—		303
Under 500	—		—		—		—		—		42		—		42
Unknown	—		—		—		—		—		—		—		—
Total	$	22,813	$	17,390	$	14,137	$	22,587	$	44,207	$	46,744	$	4,415	$	172,293
Accrued interest excluded from total	$	96	$	89	$	70	$	86	$	115	$	168	$	30	$	654
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


	Mortgage - continued (1)
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2025		2024		2023		2022		2021		Prior
	(In thousands)
December 31, 2025 - (continued)
1-4 family - 2nd lien
800 and above	$	1,256	$	367	$	351	$	461	$	789	$	1,454	$	16,797	$	21,475
750-799	3,122		2,528		2,142		1,830		2,006		3,651		56,532		71,811
700-749	2,759		1,225		1,310		1,505		1,502		2,454		29,585		40,340
650-699	805		367		339		454		285		1,517		11,914		15,681
600-649	—		141		124		107		250		525		2,157		3,304
550-599	—		41		225		72		53		650		1,770		2,811
500-549	—		16		423		108		200		537		417		1,701
Under 500	—		—		154		111		—		209		—		474
Unknown	—		—		—		—		—		—		—		—
Total	$	7,942	$	4,685	$	5,068	$	4,648	$	5,085	$	10,997	$	119,172	$	157,597
Accrued interest excluded from total	$	23	$	18	$	22	$	19	$	13	$	37	$	767	$	899
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Resort lending
800 and above	$	—	$	—	$	—	$	—	$	524	$	4,127	$	—	$	4,651
750-799	121		—		22		366		156		10,704		—		11,369
700-749	—		—		—		—		484		3,644		—		4,128
650-699	—		—		—		—		—		5,148		—		5,148
600-649	—		—		—		—		—		955		—		955
550-599	—		—		—		—		—		—		—		—
500-549	—		—		—		—		—		357		—		357
Under 500	—		—		—		—		—		—		—		—
Unknown	—		—		—		—		—		—		—		—
Total	$	121	$	—	$	22	$	366	$	1,164	$	24,935	$	—	$	26,608
Accrued interest excluded from total	$	1	$	—	$	—	$	1	$	3	$	117	$	—	$	122
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Total Mortgage
800 and above	$	20,619	$	8,735	$	21,018	$	58,066	$	76,861	$	66,192	$	24,021	$	275,512
750-799	77,385		52,753		46,670		131,880		218,762		139,245		73,398		740,093
700-749	26,653		20,486		18,222		45,671		82,088		68,692		37,423		299,235
650-699	12,117		7,606		10,319		25,498		21,693		41,692		15,402		134,327
600-649	1,633		2,017		1,906		3,964		5,434		15,538		2,325		32,817
550-599	—		41		607		7,170		2,418		10,954		1,811		23,001
500-549	—		16		1,696		4,335		1,749		8,355		477		16,628
Under 500	—		85		154		713		242		2,014		—		3,208
Unknown	—		—		—		—		—		—		—		—
Total	$	138,407	$	91,739	$	100,592	$	277,297	$	409,247	$	352,682	$	154,857	$	1,524,821
Accrued interest excluded from total	$	631	$	464	$	483	$	838	$	935	$	1,131	$	1,021	$	5,503
Current period gross charge-offs	$	—	$	—	$	—	$	19	$	—	$	5	$	—	$	24

(1)Credit scores have been updated within the last twelve months.


	Installment (1)
	Term Loans Amortized Cost Basis by Origination Year
	2026		2025		2024		2023		2022		Prior		Total
	(In thousands)
March 31, 2026
Boat lending
800 and above	$	969	$	6,740	$	3,932	$	5,731	$	6,756	$	17,925	$	42,053
750-799	4,632		31,474		19,521		22,127		22,573		45,098		145,425
700-749	1,928		10,954		9,927		8,494		9,540		16,816		57,659
650-699	1,053		2,383		2,505		2,341		2,267		5,999		16,548
600-649	14		897		362		589		740		1,346		3,948
550-599	—		32		186		117		271		885		1,491
500-549	—		—		108		86		95		329		618
Under 500	—		—		—		35		—		6		41
Unknown	—		—		—		—		—		—		—
Total	$	8,596	$	52,480	$	36,541	$	39,520	$	42,242	$	88,404	$	267,783
Accrued interest excluded from total	$	29	$	177	$	141	$	143	$	93	$	190	$	773
Current period gross charge-offs	$	—	$	—	$	29	$	65	$	9	$	25	$	128

Recreational vehicle lending
800 and above	$	209	$	705	$	1,615	$	2,732	$	7,873	$	15,703	$	28,837
750-799	335		3,499		7,132		9,607		29,220		42,583		92,376
700-749	280		1,460		3,592		3,575		11,400		19,210		39,517
650-699	4		282		971		1,834		3,757		6,704		13,552
600-649	—		25		267		559		1,103		2,559		4,513
550-599	—		—		128		219		610		1,537		2,494
500-549	—		—		47		52		461		877		1,437
Under 500	—		—		72		120		288		289		769
Unknown	—		—		—		—		—		—		—
Total	$	828	$	5,971	$	13,824	$	18,698	$	54,712	$	89,462	$	183,495
Accrued interest excluded from total	$	4	$	23	$	53	$	67	$	134	$	199	$	480
Current period gross charge-offs	$	—	$	—	$	8	$	11	$	—	$	206	$	225

Other
800 and above	$	603	$	1,244	$	767	$	1,014	$	1,183	$	1,474	$	6,285
750-799	1,705		8,739		5,349		4,482		3,792		6,374		30,441
700-749	2,247		4,151		3,721		2,587		2,249		4,656		19,611
650-699	1,546		1,828		1,350		921		753		1,730		8,128
600-649	5		175		438		362		439		705		2,124
550-599	—		20		182		251		219		264		936
500-549	—		6		183		117		163		317		786
Under 500	—		—		46		13		65		55		179
Unknown	604		—		—		—		—		—		604
Total	$	6,710	$	16,163	$	12,036	$	9,747	$	8,863	$	15,575	$	69,094
Accrued interest excluded from total	$	15	$	63	$	51	$	37	$	22	$	69	$	257
Current period gross charge-offs	$	328	$	4	$	3	$	13	$	5	$	17	$	370

Total installment
800 and above	$	1,781	$	8,689	$	6,314	$	9,477	$	15,812	$	35,102	$	77,175
750-799	6,672		43,712		32,002		36,216		55,585		94,055		268,242
700-749	4,455		16,565		17,240		14,656		23,189		40,682		116,787
650-699	2,603		4,493		4,826		5,096		6,777		14,433		38,228
600-649	19		1,097		1,067		1,510		2,282		4,610		10,585
550-599	—		52		496		587		1,100		2,686		4,921
500-549	—		6		338		255		719		1,523		2,841
Under 500	—		—		118		168		353		350		989
Unknown	604		—		—		—		—		—		604
Total	$	16,134	$	74,614	$	62,401	$	67,965	$	105,817	$	193,441	$	520,372
Accrued interest excluded from total	$	48	$	263	$	245	$	247	$	249	$	458	$	1,510
Current period gross charge-offs	$	328	$	4	$	40	$	89	$	14	$	248	$	723


	Installment - continued (1)
	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Total
	(In thousands)
December 31, 2025
Boat lending
800 and above	$	7,160	$	4,306	$	5,878	$	7,190	$	8,111	$	11,036	$	43,681
750-799	32,694		21,095		23,561		23,385		19,814		27,759		148,308
700-749	11,208		10,315		8,793		9,887		7,279		10,511		57,993
650-699	2,418		2,569		2,482		2,312		2,609		3,743		16,133
600-649	907		366		598		808		622		798		4,099
550-599	33		188		118		275		383		552		1,549
500-549	—		137		87		97		183		169		673
Under 500	—		35		35		—		—		6		76
Unknown	—		—		—		—		—		—		—
Total	$	54,420	$	39,011	$	41,552	$	43,954	$	39,001	$	54,574	$	272,512
Accrued interest excluded from total	$	185	$	151	$	149	$	96	$	85	$	112	$	778
Current period gross charge-offs	$	—	$	—	$	—	$	14	$	—	$	19	$	33

Recreational vehicle lending
800 and above	$	771	$	1,690	$	2,923	$	8,205	$	8,940	$	7,788	$	30,317
750-799	3,706		7,485		10,133		30,410		27,020		17,972		96,726
700-749	1,498		3,830		3,849		11,937		12,930		7,192		41,236
650-699	287		987		1,862		3,865		4,747		2,234		13,982
600-649	26		276		576		1,143		1,858		833		4,712
550-599	—		129		222		622		968		614		2,555
500-549	—		55		54		469		663		292		1,533
Under 500	—		75		121		292		251		57		796
Unknown	—		—		—		—		—		—		—
Total	$	6,288	$	14,527	$	19,740	$	56,943	$	57,377	$	36,982	$	191,857
Accrued interest excluded from total	$	26	$	54	$	71	$	138	$	125	$	82	$	496
Current period gross charge-offs	$	—	$	—	$	—	$	76	$	72	$	50	$	198

Other
800 and above	$	1,460	$	900	$	1,168	$	1,408	$	641	$	933	$	6,510
750-799	9,471		6,202		5,214		4,275		2,546		4,423		32,131
700-749	6,281		4,067		2,872		2,569		1,990		3,251		21,030
650-699	3,470		1,473		989		851		545		1,305		8,633
600-649	184		483		405		470		276		460		2,278
550-599	23		200		267		250		93		192		1,025
500-549	7		195		128		179		124		224		857
Under 500	—		48		14		91		35		32		220
Unknown	854		—		—		—		—		—		854
Total	$	21,750	$	13,568	$	11,057	$	10,093	$	6,250	$	10,820	$	73,538
Accrued interest excluded from total	$	72	$	57	$	43	$	26	$	16	$	60	$	274
Current period gross charge-offs	$	310	$	—	$	6	$	31	$	2	$	14	$	363

Total installment
800 and above	$	9,391	$	6,896	$	9,969	$	16,803	$	17,692	$	19,757	$	80,508
750-799	45,871		34,782		38,908		58,070		49,380		50,154		277,165
700-749	18,987		18,212		15,514		24,393		22,199		20,954		120,259
650-699	6,175		5,029		5,333		7,028		7,901		7,282		38,748
600-649	1,117		1,125		1,579		2,421		2,756		2,091		11,089
550-599	56		517		607		1,147		1,444		1,358		5,129
500-549	7		387		269		745		970		685		3,063
Under 500	—		158		170		383		286		95		1,092
Unknown	854		—		—		—		—		—		854
Total	$	82,458	$	67,106	$	72,349	$	110,990	$	102,628	$	102,376	$	537,907
Accrued interest excluded from total	$	283	$	262	$	263	$	260	$	226	$	254	$	1,548
Current period gross charge-offs	$	310	$	—	$	6	$	121	$	74	$	83	$	594

(1)Credit scores have been updated within the last twelve months.

Securities - Schedule of Debt Securities, Held-to-Maturity (Details) - USD ($)	Mar. 31, 2026	Dec. 31, 2025	Mar. 31, 2025	Dec. 31, 2024
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss
Carrying Value	$ 301,007,000	$ 309,523,000
Debt securities, held-to-maturity, transferred unrealized loss	12,265,000	12,982,000
Debt securities, held-to-maturity, allowance for credit loss	92,000	92,000	$ 129,000	$ 132,000
Amortized Cost	313,364,000	322,597,000
Debt securities, held-to-maturity, unrecognized gains	21,000	36,000
Debt securities, held-to-maturity, unrecognized losses	41,933,000	39,803,000
Debt securities, held-to-maturity, fair value	271,452,000	282,830,000
U.S. agency
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss
Carrying Value	22,254,000	22,446,000
Debt securities, held-to-maturity, transferred unrealized loss	1,191,000	1,220,000
Debt securities, held-to-maturity, allowance for credit loss	0	0
Amortized Cost	23,445,000	23,666,000
Debt securities, held-to-maturity, unrecognized gains	0	0
Debt securities, held-to-maturity, unrecognized losses	3,776,000	3,833,000
Debt securities, held-to-maturity, fair value	19,669,000	19,833,000
U.S. agency residential mortgage-backed
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss
Carrying Value	91,271,000	92,900,000
Debt securities, held-to-maturity, transferred unrealized loss	7,475,000	7,688,000
Debt securities, held-to-maturity, allowance for credit loss	0	0
Amortized Cost	98,746,000	100,588,000
Debt securities, held-to-maturity, unrecognized gains	0	0
Debt securities, held-to-maturity, unrecognized losses	19,885,000	19,337,000
Debt securities, held-to-maturity, fair value	78,861,000	81,251,000
U.S. agency commercial mortgage-backed
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss
Carrying Value	3,566,000	3,734,000
Debt securities, held-to-maturity, transferred unrealized loss	52,000	62,000
Debt securities, held-to-maturity, allowance for credit loss	0	0
Amortized Cost	3,618,000	3,796,000
Debt securities, held-to-maturity, unrecognized gains	0	0
Debt securities, held-to-maturity, unrecognized losses	246,000	249,000
Debt securities, held-to-maturity, fair value	3,372,000	3,547,000
Private label mortgage-backed
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss
Carrying Value	7,274,000	7,294,000
Debt securities, held-to-maturity, transferred unrealized loss	55,000	80,000
Debt securities, held-to-maturity, allowance for credit loss	2,000	2,000	1,000	1,000
Amortized Cost	7,331,000	7,376,000
Debt securities, held-to-maturity, unrecognized gains	0	0
Debt securities, held-to-maturity, unrecognized losses	231,000	272,000
Debt securities, held-to-maturity, fair value	7,100,000	7,104,000
Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss
Carrying Value	147,326,000	149,915,000
Debt securities, held-to-maturity, transferred unrealized loss	3,370,000	3,717,000
Debt securities, held-to-maturity, allowance for credit loss	19,000	19,000	17,000	17,000
Amortized Cost	150,715,000	153,651,000
Debt securities, held-to-maturity, unrecognized gains	21,000	36,000
Debt securities, held-to-maturity, unrecognized losses	16,175,000	14,278,000
Debt securities, held-to-maturity, fair value	134,561,000	139,409,000
Corporate
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss
Carrying Value	28,357,000	32,276,000
Debt securities, held-to-maturity, transferred unrealized loss	85,000	177,000
Debt securities, held-to-maturity, allowance for credit loss	67,000	67,000	108,000	111,000
Amortized Cost	28,509,000	32,520,000
Debt securities, held-to-maturity, unrecognized gains	0	0
Debt securities, held-to-maturity, unrecognized losses	1,620,000	1,834,000
Debt securities, held-to-maturity, fair value	26,889,000	30,686,000
Trust preferred
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss
Carrying Value	959,000	958,000
Debt securities, held-to-maturity, transferred unrealized loss	37,000	38,000
Debt securities, held-to-maturity, allowance for credit loss	4,000	4,000	$ 3,000	$ 3,000
Amortized Cost	1,000,000	1,000,000
Debt securities, held-to-maturity, unrecognized gains	0	0
Debt securities, held-to-maturity, unrecognized losses	0	0
Debt securities, held-to-maturity, fair value	$ 1,000,000	$ 1,000,000

Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2026

Regulatory Matters [Abstract]

Schedule of Capital Amounts and Ratios

Our actual capital amounts and ratios follow (1):


	Actual				Minimum for Adequately Capitalized Institutions				Minimum for Well-Capitalized Institutions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(Dollars in thousands)
March 31, 2026
Total capital to risk-weighted assets
Consolidated	$	632,742	13.79	%	$	367,024	8.00	%	NA		NA
Independent Bank	581,090		12.68		366,515		8.00		$	458,144	10.00	%

Tier 1 capital to risk-weighted assets
Consolidated	$	575,250	12.54	%	$	275,268	6.00	%	NA		NA
Independent Bank	523,676		11.43		274,886		6.00		$	366,515	8.00	%

Common equity tier 1 capital to risk-weighted assets
Consolidated	$	536,593	11.70	%	$	206,451	4.50	%	NA		NA
Independent Bank	523,676		11.43		206,165		4.50		$	297,793	6.50	%

Tier 1 capital to average assets
Consolidated	$	575,250	10.34	%	$	222,477	4.00	%	NA		NA
Independent Bank	523,676		9.43		222,243		4.00		$	277,803	5.00	%

December 31, 2025
Total capital to risk-weighted assets
Consolidated	$	621,506	13.59	%	$	365,958	8.00	%	NA		NA
Independent Bank	570,750		12.49		365,463		8.00		$	456,829	10.00	%

Tier 1 capital to risk-weighted assets
Consolidated	$	564,180	12.33	%	$	274,468	6.00	%	NA		NA
Independent Bank	513,500		11.24		274,098		6.00		$	365,463	8.00	%

Common equity tier 1 capital to risk-weighted assets
Consolidated	$	525,540	11.49	%	$	205,851	4.50	%	NA		NA
Independent Bank	513,500		11.24		205,573		4.50		$	296,939	6.50	%

Tier 1 capital to average assets
Consolidated	$	564,180	10.27	%	$	219,663	4.00	%	NA		NA
Independent Bank	513,500		9.36		219,422		4.00		$	274,278	5.00	%

_______________________________________


(1)			These ratios do not reflect a capital conservation buffer of 2.50% at March 31, 2026 and December 31, 2025.

NA - Not applicable

Schedule of Regulatory Capital

The components of our regulatory capital are as follows:


	Consolidated				Independent Bank
	March 31, 2026		December 31, 2025		March 31, 2026		December 31, 2025
	(In thousands)
Total shareholders' equity	$	510,553	$	502,951	$	497,636	$	490,911
Add (deduct)
Accumulated other comprehensive loss for regulatory purposes	55,226		51,890		55,226		51,890
Goodwill and other intangibles	(29,186)		(29,301)		(29,186)		(29,301)
Common equity tier 1 capital	536,593		525,540		523,676		513,500
Qualifying trust preferred securities	38,657		38,640		—		—
Tier 1 capital	575,250		564,180		523,676		513,500
Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets	57,492		57,326		57,414		57,250
Total risk-based capital	$	632,742	$	621,506	$	581,090	$	570,750

Leases (Tables)

3 Months Ended

Mar. 31, 2026

Leases [Abstract]

Schedule of Lease, Cost

The cost components of our operating leases follows:


	Three Months Ended March 31,
		2026		2025
	(In thousands)
Operating lease cost		$	370	$	326
Variable lease cost		1		8
Short-term lease cost		17		20
Total		$	388	$	354

Schedule of Supplemental Balance Sheet Information Related to Operating Leases

Supplemental balance sheet information related to our operating leases follows:


	March 31, 2026			December 31, 2025
	(Dollars in thousands)
Lease right of use asset (1)	$	7,003		$	7,296
Lease liabilities (2)	$	7,219		$	7,528

Weighted average remaining lease term (years)	6.63			6.79
Weighted average discount rate	4.4		%	4.4		%

(1)Included in Accrued income and other assets in our interim Condensed Consolidated Statements of Financial Condition.

(2)Included in Accrued expenses and other liabilities in our interim Condensed Consolidated Statements of Financial Condition.

Schedule of Maturity Analysis of Lease Liabilities

Maturity analysis of our lease liabilities at March 31, 2026 based on required contractual payments follows:


	(In thousands)

Nine months ending December 31, 2026	$	1,090
2027	1,339
2028	1,288
2029	1,296
2030	1,126
2031 and thereafter	2,258
Total lease payments	8,397
Less imputed interest	(1,178)
Total	$	7,219

Fair Values of Financial Instruments (Tables)

3 Months Ended

Mar. 31, 2026

Fair Values of Financial Instruments [Abstract]

Schedule of Estimated Recorded Book Balances and Fair Values

The estimated recorded book balances and fair values follow:


					Fair Value Using
	Recorded Book Balance		Fair Value		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Un- observable Inputs (Level 3)
	(In thousands)
March 31, 2026
Assets
Cash and due from banks	$	48,475	$	48,475	$	48,475	$	—	$	—
Interest bearing deposits	126,440		126,440		126,440		—		—
Securities available for sale	482,295		482,295		—		482,295		—
Securities held to maturity	301,007		271,452		—		271,452		—
Federal Home Loan Bank and Federal
Reserve Bank Stock	18,102		NA		NA		NA		NA
Net loans and loans held for sale	4,264,094		4,079,140		—		19,714		4,059,426
Accrued interest receivable	18,864		18,864		117		4,669		14,078
Derivative financial instruments	26,970		26,970		—		26,970		—

Liabilities
Deposits with no stated maturity (1)	$	4,052,869	$	4,052,869	$	4,052,869	$	—	$	—
Deposits with stated maturity (1)	827,811		825,762		—		825,762		—
Other borrowings	27,010		26,689		—		26,689		—

Subordinated debentures	39,881		40,093		—		40,093		—
Accrued interest payable	2,274		2,274		319		1,955		—
Derivative financial instruments	15,575		15,575		—		15,575		—

December 31, 2025
Assets
Cash and due from banks	$	52,235	$	52,235	$	52,235	$	—	$	—
Interest bearing deposits	86,152		86,152		86,152		—		—
Securities available for sale	495,909		495,909		—		495,909		—
Securities held to maturity	309,523		282,830		—		282,830		—
Federal Home Loan Bank and Federal
Reserve Bank Stock	18,102		NA		NA		NA		NA
Net loans and loans held for sale	4,221,871		4,062,200		—		9,031		4,053,169
Accrued interest receivable	19,030		19,030		35		5,043		13,952
Derivative financial instruments	29,584		29,584		—		29,584		—

Liabilities
Deposits with no stated maturity (1)	$	3,967,941	$	3,967,941	$	3,967,941	$	—	$	—
Deposits with stated maturity (1)	793,741		791,598		—		791,598		—
Other borrowings	77,003		76,680		—		76,680		—

Subordinated debentures	39,864		39,761		—		39,761		—
Accrued interest payable	1,892		1,892		316		1,576		—
Derivative financial instruments	19,551		19,551		—		19,551		—


(1)			Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $915.326 million and $862.697 million at March 31, 2026 and December 31, 2025, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $113.548 million and $112.224 million at March 31, 2026 and December 31, 2025, respectively.

Fair Value Disclosures (Tables)

3 Months Ended

Mar. 31, 2026

Fair Value Disclosures [Abstract]

Schedule of Fair Value Measurements, Recurring and Nonrecurring

Assets and liabilities measured at fair value, including financial assets for which we have elected the fair value option, were as follows:


			Fair Value Measurements Using
	Fair Value Measure- ments		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Un- observable Inputs (Level 3)
	(In thousands)
March 31, 2026:
Measured at Fair Value on a Recurring Basis
Assets
Securities available for sale
U.S. agency	$	7,251	$	—	$	7,251	$	—
U.S. agency residential mortgage-backed	85,488		—		85,488		—
U.S. agency commercial mortgage-backed	6,967		—		6,967		—
Private label mortgage-backed	37,107		—		37,107		—
Other asset backed	28,939		—		28,939		—
Obligations of states and political subdivisions	273,560		—		273,560		—
Corporate	41,999		—		41,999		—
Trust preferred	984		—		984		—
Loans held for sale	19,714		—		19,714		—
Capitalized mortgage loan servicing rights	32,233		—		—		32,233
Derivatives (1)	26,970		—		26,970		—
Liabilities
Derivatives (2)	15,575		—		15,575		—

Measured at Fair Value on a Non-recurring Basis:
Assets
Collateral dependent loans (3)
Commercial
Commercial and industrial	8,597		—		—		8,597
Commercial real estate	9,611		—		—		9,611
Mortgage
1-4 family owner occupied - non-jumbo	571		—		—		571
1-4 family non-owner occupied	78		—		—		78
1-4 family - 2nd lien	267		—		—		267
Resort lending	37		—		—		37
Installment
Boat lending	55		—		—		55
Recreational vehicle lending	387		—		—		387
Other	52		—		—		52

________________________________

(1)Included in accrued income and other assets

(2)Included in accrued expenses and other liabilities

(3)Only includes individually evaluated loans with specific allocations of the ACL based on collateral value.


			Fair Value Measurements Using
	Fair Value Measure- ments		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Un- observable Inputs (Level 3)
	(In thousands)
December 31, 2025:
Measured at Fair Value on a Recurring Basis
Assets
Securities available for sale
U.S. agency	$	7,917	$	—	$	7,917	$	—
U.S. agency residential mortgage-backed	81,065		—		81,065		—
U.S. agency commercial mortgage-backed	7,186		—		7,186		—
Private label mortgage-backed	40,506		—		40,506		—
Other asset backed	30,185		—		30,185		—
Obligations of states and political subdivisions	280,402		—		280,402		—
Corporate	47,661		—		47,661		—
Trust preferred	987		—		987		—
Loans held for sale	9,031		—		9,031		—
Capitalized mortgage loan servicing rights	31,493		—		—		31,493
Derivatives (1)	29,584		—		29,584		—
Liabilities
Derivatives (2)	19,551		—		19,551		—

Measured at Fair Value on a Non-recurring Basis:
Assets

Collateral dependent loans (3)
Commercial
Commercial and industrial	7,361		—		—		7,361
Commercial real estate	10,123		—		—		10,123
Mortgage
1-4 family owner occupied - non-jumbo	432		—		—		432
1-4 family non-owner occupied	14		—		—		14
1-4 family - 2nd lien	238		—		—		238
Resort lending	37		—		—		37
Installment
Boat lending	150		—		—		150
Recreational vehicle lending	153		—		—		153
Other	70		—		—		70

_________________________________

(1)Included in accrued income and other assets

(2)Included in accrued expenses and other liabilities

(3)Only includes individually evaluated loans with specific allocations of the ACL based on collateral value.

Schedule of Fair Value Option, Disclosures

Changes in fair values for financial assets which we have elected the fair value option for the periods presented were as follows:


	Changes in Fair Values for the Three Month Periods Ended March 31 for items Measured at Fair Value Pursuant to Election of the Fair Value Option
	Net Gains (losses) on Assets		Mortgage Loan Servicing, net		Total Change in Fair Values Included in Current Period Earnings
	Mortgage Loans
	(In thousands)
2026
Loans held for sale	$	(160)	$	—	$	(160)
Capitalized mortgage loan servicing rights	—		10		10

2025
Loans held for sale	55		—		55
Capitalized mortgage loan servicing rights	—		(2,424)		(2,424)

Schedule of Reconciliation for all Assets Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3)

A reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) follows:


		Capitalized Mortgage Loan Servicing Rights
	Three Months Ended March 31,
		2026		2025
	(In thousands)
Beginning balance		$	31,493	$	46,796
Total gains (losses) realized and unrealized:
Included in results of operations		10		(2,424)
Included in results of operations - gain on sale(1)		—		(94)
Included in other comprehensive loss		—		—
Purchases, issuances, settlements, maturities and calls		730		855
Sales(1)		—		(12,962)
Transfers in and/or out of Level 3		—		—
Ending balance		$	32,233	$	32,171

Amount of total gains (losses) for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at March 31		$	10	$	(2,424)

(1) On January 31, 2025 we sold $931.6 million of mortgage loan servicing rights (26.3% of total servicing portfolio) and transferred the servicing on March 3, 2025. This sale represented approximately $13.1 million (41.5%) of the total capitalized mortgage loan servicing right asset. While there remains a customary hold back of final settlement funds of approximately $0.1 million relating to this transaction, we are not aware of any issues that will have a material impact on this final payment. We expect to receive this final payment in the second quarter of 2026. Transaction expenses relating to this sale were approximately $0.2 million and were expensed in 2025.

Schedule of Fair Value Measurement Inputs and Valuation Techniques (Level 3)

Quantitative information about our Level 3 fair value measurements measured on a recurring basis follows:


	Asset Fair Value		Valuation Technique	Unobservable Inputs	Range		Weighted Average
	(In thousands)
March 31, 2026
Capitalized mortgage loan servicing rights	$	32,233	Present value of net servicing revenue	Discount rate	9.50% to 19.59%		9.97		%
				Cost to service	$69 to $832		$	80
				Ancillary income	20 to 30		21
				Float rate	3.91	%	3.91		%
				Prepayment rate	5.39% to 43.76%		9.16		%
December 31, 2025
Capitalized mortgage loan servicing rights	$	31,493	Present value of net servicing revenue	Discount rate	9.50% to 18.65%		9.94		%
				Cost to service	$69 to $817		$	80
				Ancillary income	20 to 30		20
				Float rate	3.75	%	3.75		%
				Prepayment rate	5.39% to 39.62%		9.60%

Quantitative information about Level 3 fair value measurements measured on a non-recurring basis follows:

Asset
Fair
Value

Valuation
Technique

Unobservable
Inputs

Range

Weighted
Average

(In thousands)

March 31, 2026

Collateral dependent loans

Commercial

9,314

(1)

Income approach

Discount rates used

10.0% to 16.0%

14.2

Income approach

Capitalization rate used

10.0%

10.0

Sales comparison approach

Adjustment for differences between comparable sales

(50.0) to 15.0

(0.6)

8,090

Discounting financial statement and machinery and equipment appraised values

Discount rates used

32.0 to 65.0

38.8

804

Sales comparison approach

Adjustment for differences between comparable sales

(18.0) to 42.0

8.7

Mortgage and Installment(2)

1,447

Sales comparison approach

Adjustment for differences between comparable sales

(22.0) to 15.1

0.3

December 31, 2025

Collateral dependent loans

Commercial

9,826

(1)

Income approach

Discount rates used

9.0% to 16.0%

13.5

Sales comparison approach

Adjustment for differences between comparable sales

(50.0) to 15.0

(0.6)

7,010

Discounting financial statement and machinery and equipment appraised values

Discount rates used

40.0 to 65.0

47.2

648

Sales comparison approach

Adjustment for differences between comparable sales

(18.0) to 65.0

8.7

Mortgage and Installment(2)

1,094

Sales comparison approach

Adjustment for differences between comparable sales

(17.7) to 16.9

0.2


(1)			We have one commercial loan relationship that is cross collateralized by several properties whose appraisals used different valuation techniques.
(2)			In addition to the valuation techniques and unobservable inputs discussed above, at March 31, 2026 and December 31, 2025 certain collateral dependent installment loans totaling approximately $0.50 million and $0.37 million, respectively, are secured by collateral other than real estate. For the majority of these loans, we apply internal discount rates to industry valuation guides.

Schedule of Aggregate Fair Value and Aggregate Remaining Contractual Principal Balance for Loans Held for Sale

The following table reflects the difference between the aggregate fair value and the aggregate remaining contractual principal balance outstanding for loans held for sale for which the fair value option has been elected for the periods presented.


	Aggregate Fair Value		Difference		Contractual Principal
	(In thousands)
Loans held for sale
March 31, 2026	$	19,714	$	(33)	$	19,747
December 31, 2025	9,031		127		8,904

- Definition

Tabular disclosure of the fair value measurement of assets using significant unobservable inputs (Level 3), a reconciliation of the beginning and ending balances, separately presenting changes during the period attributable to the following: (1) total gains or losses for the period (realized and unrealized), segregating those gains or losses included in earnings (or changes in net assets) and gains or losses recognized in other comprehensive income (loss), and a description of where those gains or losses included in earnings (or changes in net assets) are reported in the statement of income (or activities); (2) purchases, sales, issues, and settlements (each type disclosed separately); and (3) transfers in and transfers out of Level 3 (for example, transfers due to changes in the observability of significant inputs), by class of asset.

+ References + Details

Fair Value Disclosures - Difference Between Aggregate Fair Value and Aggregate Remaining Contractual Principal (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Fair Value Disclosures [Abstract]
Aggregate Fair Value	$ 19,714	$ 9,031
Difference	(33)	127
Contractual Principal	$ 19,747	$ 8,904

- Definition

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

+ References

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+ Details

New Accounting Standards	3 Months Ended
New Accounting Standards	Mar. 31, 2026
Accounting Standards Update and Change in Accounting Principle [Abstract]
New Accounting Standards	New Accounting Standards In December, 2024, the FASB issued ASU 2024-03, "Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses". This ASU requires public business entities to disaggregate certain expense captions into specific categories in disclosures within the footnotes to the consolidated financial statements. This ASU takes effect in annual reporting periods beginning after December 15, 2026, and interim reporting periods within annual reporting periods beginning after December 15, 2027, with early adoption permitted. We do not expect the adoption of this ASU to have a material impact on our interim Condensed Consolidated Financial Statements. In November 2025, the FASB issued ASU 2025-08, "Financial Instruments—Credit Losses (Topic 326): Purchased Financial Assets". This ASU amends the accounting for purchased credit deteriorated (“PCD”) financial assets and non-purchased credit deteriorated ("non-PCD") financial assets under Topic 326. The amendments broaden the population of financial assets that are within the scope of the gross-up approach under Topic 326 to include purchased seasoned loans ("PSL"), which are defined as non-PCD loans that are obtained in a business combination, or non-PCD loans that (1) are obtained in an asset acquisition or upon consolidation of a variable interest entity that is not a business and (2) are acquired more than 90 days after their origination date by a transferee that was not involved in their origination. This eliminates the day-one earnings impact that previously occurred for non-PCD loans. The ASU also requires separate presentation of the initial ACL for PSLs within the ACL rollforward. This ASU is effective for fiscal years beginning after December 15, 2026, with early adoption permitted. The adoption of this ASU effective October 1, 2025 did not have a material impact on our interim Condensed Consolidated Financial Statements.

- Definition

The entire disclosure for change in accounting principle. Includes, but is not limited to, nature, reason, and method of adopting amendment to accounting standards or other change in accounting principle.

+ References

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+ Details

Derivative Financial Instruments (Tables)

3 Months Ended

Mar. 31, 2026

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Schedule of Derivative Financial Instruments According to Type of Hedge Designation

Our derivative financial instruments according to the type of hedge in which they are designated follows:


	March 31, 2026
	Notional Amount		Average Maturity (years)	Fair Value
	(Dollars in thousands)
Fair value hedge designation
Pay-fixed interest rate swap agreement - commercial	$	5,137	3.1	$	190
Pay-fixed interest rate swap agreements - securities available for sale	148,895		1.6	6,752
Pay-fixed interest rate swap agreements - installment	50,000		1.3	(137)
Pay-fixed interest rate swap agreements - mortgage	80,000		1.7	(536)
Interest rate cap agreements - securities available for sale	40,970		2.1	90
Total	$	325,002	1.7	$	6,359

Cash flow hedge designation
Interest rate floor agreements - commercial	$	500,000	2.0	$	4,586
Interest rate cap agreements - short-term funding liabilities	50,000		1.9	141
Total	550,000		2.0	4,727

No hedge designation
Rate-lock mortgage loan commitments	$	29,532	0.1	$	166
Mandatory commitments to sell mortgage loans	46,740		0.1	143
Pay-fixed interest rate swap agreements - commercial	713,806		4.5	183
Pay-variable interest rate swap agreements - commercial	713,806		4.5	(183)
Total	$	1,503,884	4.2	$	309


	December 31, 2025
	Notional Amount		Average Maturity (years)	Fair Value
	(Dollars in thousands)
Fair value hedge designation
Pay-fixed interest rate swap agreement - commercial	$	5,242	3.4	$	175
Pay-fixed interest rate swap agreements - securities available for sale	148,895		1.8	6,923
Pay-fixed interest rate swap agreements - installment	100,000		1.4	(824)
Pay-fixed interest rate swap agreements - mortgage	117,000		1.7	(1,186)
Interest rate cap agreements - securities available for sale	40,970		2.3	32
Total	$	412,107	1.8	$	5,120

Cash flow hedge designation
Interest rate floor agreements - commercial	$	450,000	1.8	$	4,669
Interest rate cap agreements - short-term funding liabilities	50,000		2.1	46
Total	500,000		1.8	4,715

No hedge designation
Rate-lock mortgage loan commitments	17,180		0.1	230
Mandatory commitments to sell mortgage loans	24,909		0.1	(32)
Pay-fixed interest rate swap agreements - commercial	683,715		4.5	(3,345)
Pay-variable interest rate swap agreements - commercial	683,715		4.5	3,345
Total	$	1,409,519	4.4	$	198

Schedule of Derivative Instruments in Statement of Financial Position, Fair Value

Fair Values of Derivative Instruments


	Asset Derivatives						Liability Derivatives
	March 31, 2026			December 31, 2025			March 31, 2026			December 31, 2025
	Balance Sheet Location	Fair Value		Balance Sheet Location	Fair Value		Balance Sheet Location	Fair Value		Balance Sheet Location	Fair Value
	(In thousands)
Derivatives designated as hedging instruments
Pay-fixed interest rate swap agreements	Other assets	$	6,961	Other assets	$	7,114	Other liabilities	$	692	Other liabilities	$	2,026
Interest rate cap agreements	Other assets	231		Other assets	78		Other liabilities	—		Other liabilities	—
Interest rate floor agreements	Other assets	4,586		Other assets	4,669		Other liabilities	—		Other liabilities	—
		11,778			11,861			692			2,026
Derivatives not designated as hedging instruments
Rate-lock mortgage loan commitments	Other assets	166		Other assets	230		Other liabilities	—		Other liabilities	—
Mandatory commitments to sell mortgage loans	Other assets	143		Other assets	—		Other liabilities	—		Other liabilities	32
Pay-fixed interest rate swap agreements - commercial	Other assets	7,533		Other assets	7,074		Other liabilities	7,350		Other liabilities	10,419
Pay-variable interest rate swap agreements - commercial	Other assets	7,350		Other assets	10,419		Other liabilities	7,533		Other liabilities	7,074
		15,192			17,723			14,883			17,525
Total derivatives		$	26,970		$	29,584		$	15,575		$	19,551

Schedule of Derivative Instruments, Gain (Loss)

The effect of derivative financial instruments on the interim Condensed Consolidated Statements of Operations follows:


	Gain (Loss) Recognized in Other Comprehensive Income (Loss) (Effective Portion)				Location of Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)	Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)					Gain (Loss) Recognized in Income
	Three Month Periods Ended March 31,					Three Month Periods Ended March 31,				Location of Gain (Loss) Recognized in Income	Three Month Periods Ended March 31,
	2026		2025			2026		2025			2026		2025
											(In thousands)
Fair Value Hedges
Pay-fixed interest rate swap agreement - commercial										Interest and fees on loans	$	15	$	(85)
Pay-fixed interest rate swap agreements - securities available for sale										Interest on securities	(171)		(2,375)
Pay-fixed interest rate swap agreements - installment										Interest and fees on loans	687		(682)
Pay-fixed interest rate swap agreements - mortgage										Interest and fees on loans	650		(965)

Interest rate cap agreements - securities available for sale	$	58	$	(155)	Interest on securities	$	(54)	$	(54)	Interest on securities	—		—

Total	$	58	$	(155)		$	(54)	$	(54)		$	1,181	$	(4,107)

Cash Flow Hedges
Interest rate floor agreements - commercial	$	(922)	$	752	Interest and fees on loans	$	(176)	$	(368)	Interest and fees on loans	$	(176)	$	(368)
Interest rate cap agreements - short-term funding liabilities	95		(131)		Interest expense	(23)		(2)		Interest expense	(23)		(2)
Total	$	(827)	$	621		$	(199)	$	(370)		$	(199)	$	(370)

No hedge designation
Rate-lock mortgage loan commitments										Net gains on mortgage loans	$	(64)	$	268
Mandatory commitments to sell mortgage loans										Net gains on mortgage loans	175		(93)
Pay-fixed interest rate swap agreements - commercial										Interest and fees on loans	3,528		(9,275)
Pay-variable interest rate swap agreements - commercial										Interest and fees on loans	(3,528)		9,275
Total											$	111	$	175

Segment Reporting (Tables)

3 Months Ended

Mar. 31, 2026

Segment Reporting [Abstract]

Schedule of Segment Reporting Information, by Segment

Information reported internally for performance assessment by the chief operating decision maker is as follows, inclusive of reconciliations of significant segment totals to the interim condensed consolidated financial statements for the three month periods ended March 31, 2026 and 2025.


	Three Months Ended March 31, 2026
	Independent Bank		Other(1)		Eliminations		Total
	(In thousands)
INTEREST INCOME
Interest and fees on loans	$	59,171	$	—	$	78	$	59,249
Interest on securities	5,876		—		—		5,876
Other investments	1,044		—		—		1,044
Total Interest Income	66,091		—		78		66,169
INTEREST EXPENSE
Deposits	18,397		—		—		18,397
Other borrowings and subordinated debt and debentures	240		677		—		917
Total Interest Expense	18,637		677		—		19,314
Net Interest Income	47,454		(677)		78		46,855
Provision for credit losses	362		—		—		362
Net Interest Income After Provision for Credit Losses	47,092		(677)		78		46,493
NON-INTEREST INCOME
Interchange income	3,234		—		—		3,234
Service charges on deposit accounts	2,935		—		—		2,935
Net gains on mortgage loans	1,208		—		100		1,308
Mortgage loan servicing, net	1,646		—		—		1,646
Other	2,828		345		(248)		2,925
Total Non-interest Income	11,851		345		(148)		12,048
NON-INTEREST EXPENSE
Compensation and employee benefits	21,740		134		(45)		21,829
Data processing	3,929		23		—		3,952
Occupancy, net	2,407		6		—		2,413
Litigation expense	1,500		—		—		1,500
Advertising	1,208		2		—		1,210
Interchange expense	1,191		—		—		1,191
Furniture, fixtures and equipment	894		—		—		894
FDIC deposit insurance	799		—		—		799
Loan and collection	752		—		—		752
Communications	587		6		—		593
Legal and professional	444		147		—		591
Other	2,369		218		—		2,587
Total Non-interest Expense	37,820		536		(45)		38,311
Income (Loss) Before Income Tax	21,123		(868)		(25)		20,230
Income tax expense (benefit)	3,563		(203)		(5)		3,355
Net Income (Loss)	$	17,560	$	(665)	$	(20)	$	16,875

OTHER SEGMENT DISCLOSURES
Depreciation	1,262		1		—		1,263
Amortization	115		—		—		115
Total assets	5,551,229		571,840		(565,560)		5,557,509

(1) Includes amounts relating to our parent company and certain insignificant operations.


	Three Months Ended March 31, 2025
	Independent Bank			Other(1)		Eliminations		Total
	(In thousands)
INTEREST INCOME
Interest and fees on loans	$	57,708		$	—	$	60	$	57,768
Interest on securities	6,806			—		—		6,806
Other investments	1,570			369		(369)		1,570
Total Interest Income	66,084			369		(309)		66,144
INTEREST EXPENSE
Deposits	21,324			—		(369)		20,955
Other borrowings and subordinated debt and debentures	143			1,361		—		1,504
Total Interest Expense	21,467			1,361		(369)		22,459
Net Interest Income	44,617			(992)		60		43,685
Provision for credit losses	721			—		—		721
Net Interest Income After Provision for Credit Losses	43,896			(992)		60		42,964
NON-INTEREST INCOME
Interchange income	3,127			—		—		3,127
Service charges on deposit accounts	2,814			—		—		2,814
Net gains on mortgage loans	2,223			—		80		2,303
Mortgage loan servicing, net	(636)			—		—		(636)
Other	2,694			319		(197)		2,816
Total Non-interest Income	10,222			319		(117)		10,424
NON-INTEREST EXPENSE
Compensation and employee benefits	20,292			132		(41)		20,383
Data processing	3,710			19		—		3,729
Occupancy, net	2,217		0	6		—		2,223
Interchange expense	1,119			—		—		1,119
Furniture, fixtures and equipment	884			1		—		885
Advertising	859			2		—		861
FDIC deposit insurance	711			—		—		711
Legal and professional	356			123		—		479
Loan and collection	786			—		—		786
Communications	582			9		—		591
Other	2,301			194		—		2,495
Total Non-interest Expense	33,817			486		(41)		34,262
Income (Loss) Before Income Tax	20,301			(1,159)		(16)		19,126
Income tax expense (benefit)	3,954			(414)		(4)		3,536
Net Income (Loss)	$	16,347		$	(745)	$	(12)	$	15,590

OTHER SEGMENT DISCLOSURES
Depreciation	1,240			1		—		1,241
Amortization	122			—		—		122
Total assets	5,321,109			562,848		(555,529)		5,328,428

(1) Includes amounts relating to our parent company and certain insignificant operations.

Securities (Tables)

3 Months Ended

Mar. 31, 2026

Investments, Debt and Equity Securities [Abstract]

Schedule of Debt Securities, Available-for-Sale

Securities available for sale (“AFS”) consist of the following:


	Amortized Cost		Unrealized
			Gains		Losses		Fair Value
	(In thousands)
March 31, 2026
U.S. agency	$	7,678	$	1	$	428	$	7,251
U.S. agency residential mortgage-backed	92,239		155		6,906		85,488
U.S. agency commercial mortgage-backed	7,846		—		879		6,967
Private label mortgage-backed	39,248		239		2,380		37,107
Other asset backed	29,357		29		447		28,939
Obligations of states and political subdivisions	316,538		1		42,979		273,560
Corporate	43,775		1		1,777		41,999
Trust preferred	991		—		7		984
Total	$	537,672	$	426	$	55,803	$	482,295

December 31, 2025
U.S. agency	$	8,320	$	1	$	404	$	7,917
U.S. agency residential mortgage-backed	87,435		136		6,506		81,065
U.S. agency commercial mortgage-backed	8,039		—		853		7,186
Private label mortgage-backed	42,689		260		2,443		40,506
Other asset backed	30,633		31		479		30,185
Obligations of states and political subdivisions	319,402		—		39,000		280,402
Corporate	49,355		2		1,696		47,661
Trust preferred	990		—		3		987
Total	$	546,863	$	430	$	51,384	$	495,909

Schedule of Debt Securities, Held-to-Maturity

Securities held to maturity (“HTM”) consist of the following:


	Carrying Value		Transferred Unrealized Loss (1)		ACL		Amortized Cost		Unrecognized				Fair Value
									Gains		Losses
	(In thousands)
March 31, 2026
U.S. agency	$	22,254	$	1,191	$	—	$	23,445	$	—	$	3,776	$	19,669
U.S. agency residential mortgage-backed	91,271		7,475		—		98,746		—		19,885		78,861
U.S. agency commercial mortgage-backed	3,566		52		—		3,618		—		246		3,372
Private label mortgage-backed	7,274		55		2		7,331		—		231		7,100
Obligations of states and political subdivisions	147,326		3,370		19		150,715		21		16,175		134,561
Corporate	28,357		85		67		28,509		—		1,620		26,889
Trust preferred	959		37		4		1,000		—		—		1,000
Total	$	301,007	$	12,265	$	92	$	313,364	$	21	$	41,933	$	271,452

December 31, 2025
U.S. agency	$	22,446	$	1,220	$	—	$	23,666	$	—	$	3,833	$	19,833
U.S. agency residential mortgage-backed	92,900		7,688		—		100,588		—		19,337		81,251
U.S. agency commercial mortgage-backed	3,734		62		—		3,796		—		249		3,547
Private label mortgage-backed	7,294		80		2		7,376		—		272		7,104
Obligations of states and political subdivisions	149,915		3,717		19		153,651		36		14,278		139,409
Corporate	32,276		177		67		32,520		—		1,834		30,686
Trust preferred	958		38		4		1,000		—		—		1,000
Total	$	309,523	$	12,982	$	92	$	322,597	$	36	$	39,803	$	282,830

(1)Represents the remaining unrealized loss to be accreted on securities that were transferred from AFS to HTM on April 1, 2022.

Schedule of Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value

Our investments' gross unrealized losses and fair values for securities AFS aggregated by investment type and length of time that individual securities have been at a continuous unrealized loss position follows:


	Less Than Twelve Months				Twelve Months or More				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
	(In thousands)
March 31, 2026
U.S. agency	$	953	$	2	$	6,238	$	426	$	7,191	$	428
U.S. agency residential mortgage-backed	17,066		151		47,360		6,755		64,426		6,906
U.S. agency commercial mortgage-backed	—		—		6,967		879		6,967		879
Private label mortgage-backed	103		—		36,327		2,380		36,430		2,380
Other asset backed	147		—		24,473		447		24,620		447
Obligations of states and political subdivisions	—		—		273,059		42,979		273,059		42,979
Corporate	4,365		5		37,469		1,772		41,834		1,777
Trust preferred	—		—		984		7		984		7
Total	$	22,634	$	158	$	432,877	$	55,645	$	455,511	$	55,803

December 31, 2025
U.S. agency	$	972	$	1	$	6,884	$	403	$	7,856	$	404
U.S. agency residential mortgage-backed	6,931		5		49,103		6,501		56,034		6,506
U.S. agency commercial mortgage-backed	—		—		7,186		853		7,186		853
Private label mortgage-backed	—		—		39,234		2,443		39,234		2,443
Other asset backed	1,392		3		24,417		476		25,809		479
Obligations of states and political subdivisions	156		9		280,246		38,991		280,402		39,000
Corporate	—		—		45,986		1,696		45,986		1,696
Trust preferred	—		—		987		3		987		3
Total	$	9,451	$	18	$	454,043	$	51,366	$	463,494	$	51,384

Schedule of Debt Securities, Held-to-Maturity, Credit Quality

The carrying value of securities HTM aggregated by credit quality follow:


	Private Label Mortgage- Backed		Obligations of States and Political Subdivisions		Corporate		Trust Preferred		Carrying Value Total
	(In thousands)
March 31, 2026
Credit rating:
AAA	$	7,274	$	17,123	$	—	$	—	$	24,397
AA	—		113,899		—		—		113,899
A	—		2,745		3,494		—		6,239
BBB	—		440		19,890		—		20,330
BB	—		—		1,988		—		1,988
Non-rated	—		13,119		2,985		959		17,063
Total	$	7,274	$	147,326	$	28,357	$	959	$	183,916

December 31, 2025
Credit rating:
AAA	$	7,294	$	17,357	$	—	$	—	$	24,651
AA	—		116,264		—		—		116,264
A	—		2,740		3,500		—		6,240
BBB	—		441		23,814		—		24,255
BB	—		—		1,983		—		1,983
Non-rated	—		13,113		2,979		958		17,050
Total	$	7,294	$	149,915	$	32,276	$	958	$	190,443

Schedule of Debt Securities, Held-to-Maturity, Allowance for Credit Loss

An analysis of the allowance for credit losses by security HTM type for the three months ended March 31 follows:


	Private Label Mortgage- Backed		Obligations of States and Political Subdivisions		Corporate		Trust Preferred		Total
	(In thousands)
2026
Balance at beginning of period	$	2	$	19	$	67	$	4	$	92
Additions (deductions)
Provision for credit losses	—		—		—		—		—
Recoveries credited to the allowance	—		—		—		—		—
Securities HTM charged against the allowance	—		—		—		—		—
Balance at end of period	$	2	$	19	$	67	$	4	$	92

2025
Balance at beginning of period	$	1	$	17	$	111	$	3	$	132
Additions (deductions)
Provision for credit losses	—		—		(3)		—		(3)
Recoveries credited to the allowance	—		—		—		—		—
Securities HTM charged against the allowance	—		—		—		—		—
Balance at end of period	$	1	$	17	$	108	$	3	$	129

Schedule of Investments Classified by Contractual Maturity Date

The amortized cost and fair value of securities AFS and securities HTM at March 31, 2026, by contractual maturity, follow:


	Securities AFS				Securities HTM
	Amortized Cost		Fair Value		Amortized Cost		Fair Value
	(In thousands)
Maturing within one year	$	24,563	$	24,262	$	15,651	$	15,489
Maturing after one year but within five years	116,871		110,741		42,376		40,399
Maturing after five years but within ten years	41,501		36,829		82,603		73,956
Maturing after ten years	186,047		151,962		63,039		52,275
	368,982		323,794		203,669		182,119
U.S. agency residential mortgage-backed	92,239		85,488		98,746		78,861
U.S. agency commercial mortgage-backed	7,846		6,967		3,618		3,372
Private label mortgage-backed	39,248		37,107		7,331		7,100
Other asset backed	29,357		28,939		—		—
Total	$	537,672	$	482,295	$	313,364	$	271,452

Schedule of Gains and Losses Realized on Sale of Securities Available for Sale

A summary of proceeds from the sale of securities AFS and gains and losses for the three month periods ending March 31, follows:


			Realized
	Proceeds		Gains		Losses
	(In thousands)
2026	$	3,256	$	—	$	26
2025	22,503		1		331

- Definition

Tabular disclosure of information about investment in debt security measured at amortized cost (held-to-maturity).

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
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-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
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+ Details

Segment Reporting - Narrative (Details)	3 Months Ended
Segment Reporting - Narrative (Details)	Mar. 31, 2026 reportableSegment
Segment Reporting [Abstract]
Number of reportable segments	1

Goodwill and Other Intangibles - Summary of Intangible Assets, Net of Amortization (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Intangible Assets, Net (Excluding Goodwill) [Abstract]
Gross Carrying Amount	$ 11,916	$ 11,916
Accumulated Amortization	11,030	10,915
Goodwill	$ 28,300	$ 28,300

- 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.

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+ Details

Share Based Compensation - Outstanding Non-vested Restricted Stock and PSUs and Related Transactions (Details) - Non-vested Restricted Stock and PSU's	3 Months Ended
	Mar. 31, 2026 $ / shares shares
Number of Shares
Outstanding, beginning balance (in shares) \| shares	250,213
Granted (in shares) \| shares	80,316
Vested (in shares) \| shares	(80,514)
Forfeited (in shares) \| shares	(4,699)
Outstanding, ending balance (in shares) \| shares	245,316
Weighted- Average Grant Date Fair Value
Outstanding, beginning balance (in dollars per share) \| $ / shares	$ 27.70
Granted (in dollars per share) \| $ / shares	37.29
Vested (in dollars per share) \| $ / shares	23.87
Forfeited (in dollars per share) \| $ / shares	33.02
Outstanding, ending balance (in dollars per share) \| $ / shares	$ 31.99

Leases

3 Months Ended

Mar. 31, 2026

Leases [Abstract]

Leases

We have entered into leases in the normal course of business primarily for office facilities, some of which include renewal options and escalation clauses. Certain leases also include both lease components (fixed payments including rent, taxes and insurance costs) and non-lease components (common area or other maintenance costs) which are accounted for as a single lease component as we have elected the practical expedient to group lease and non-lease components together for all leases. We have also elected not to recognize leases with original lease terms of 12 months or less (short-term leases) on our interim Condensed Consolidated Statements of Financial Condition. Most of our leases include one or more options to renew. The exercise of lease renewal options is typically at our sole discretion and are included in our right of use (“ROU”) assets and lease liabilities if they are reasonably certain of exercise.

Leases are classified as operating or finance leases at the lease commencement date (we did not have any finance leases as of March 31, 2026 and December 31, 2025). Lease expense for operating leases and short-term leases is recognized on a straight-line basis over the lease term. The ROU assets represent our right to use an underlying asset for the lease term and lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized at the lease commencement date based on the estimated present value of the lease payment over the lease term.

As most of our leases do not provide an implicit rate, we use our incremental borrowing rate based on the information available at the lease commencement date in determining the present value of the lease payments.

The cost components of our operating leases follows:


	Three Months Ended March 31,
		2026		2025
	(In thousands)
Operating lease cost		$	370	$	326
Variable lease cost		1		8
Short-term lease cost		17		20
Total		$	388	$	354

Variable lease costs consist primarily of taxes, insurance, and common area or other maintenance costs for our leased facilities.

Supplemental balance sheet information related to our operating leases follows:


	March 31, 2026			December 31, 2025
	(Dollars in thousands)
Lease right of use asset (1)	$	7,003		$	7,296
Lease liabilities (2)	$	7,219		$	7,528

Weighted average remaining lease term (years)	6.63			6.79
Weighted average discount rate	4.4		%	4.4		%

(1)Included in Accrued income and other assets in our interim Condensed Consolidated Statements of Financial Condition.

(2)Included in Accrued expenses and other liabilities in our interim Condensed Consolidated Statements of Financial Condition.

Maturity analysis of our lease liabilities at March 31, 2026 based on required contractual payments follows:


	(In thousands)

Nine months ending December 31, 2026	$	1,090
2027	1,339
2028	1,288
2029	1,296
2030	1,126
2031 and thereafter	2,258
Total lease payments	8,397
Less imputed interest	(1,178)
Total	$	7,219

Revenue from Contracts with Customers (Tables)

3 Months Ended

Mar. 31, 2026

Revenue from Contract with Customer [Abstract]

Schedule of Disaggregation of Revenue



	Service Charges on Deposit Accounts		Other Deposit Related Income		Interchange Income		Investment and Insurance Commissions		Total
Three months ending March 31, 2026	(In thousands)
Retail
Overdraft fees	$	2,098	$	—	$	—	$	—	$	2,098
Account service charges	723		—		—		—		723
ATM fees	—		343		—		—		343
Other	—		143		—		—		143
Business
Overdraft fees	114		—		—		—		114
ATM fees	—		10		—		—		10
Other	—		114		—		—		114
Interchange income	—		—		3,234		—		3,234
Asset management revenue	—		—		—		424		424
Transaction based revenue	—		—		—		385		385

Total	$	2,935	$	610	$	3,234	$	809	$	7,588

Reconciliation to interim Condensed Consolidated Statement of Operations:
Non-interest income - other:
Other deposit related income									$	610
Investment and insurance commissions									809
Bank owned life insurance (1)									322
Other (1)									1,210
Total									$	2,951

(1)Excluded from the scope of ASC Topic 606.



	Service Charges on Deposit Accounts		Other Deposit Related Income		Interchange Income		Investment and Insurance Commissions		Total
Three months ending March 31, 2025	(In thousands)
Retail
Overdraft fees	$	2,108	$	—	$	—	$	—	$	2,108
Account service charges	593		—		—		—		593
ATM fees	—		355		—		—		355
Other	—		184		—		—		184
Business
Overdraft fees	113		—		—		—		113
ATM fees	—		10		—		—		10
Other	—		99		—		—		99
Interchange income	—		—		3,127		—		3,127
Asset management revenue	—		—		—		410		410
Transaction based revenue	—		—		—		343		343

Total	$	2,814	$	648	$	3,127	$	753	$	7,342

Reconciliation to interim Condensed Consolidated Statement of Operations:
Non-interest income - other:
Other deposit related income									$	648
Investment and insurance commissions									753
Bank owned life insurance (1)									296
Other (1)									1,449
Total									$	3,146

(1)Excluded from the scope of ASC Topic 606.

Share Based Compensation - Narrative (Details) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Number of additional shares approved for grant (in shares)	200
Shares issued on deferral basis credited percentage of current value	90.00%
Share-based payment arrangement, nonvested award, cost not yet recognized, amount	$ 5,000
Share-based payment arrangement, nonvested award, cost not yet recognized, period for recognition	2 years 4 months 24 days
Long-Term Incentive Plan
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Share-based payment arrangement, expense	$ 600	$ 600
Tax benefit relating to compensation expense recognized	$ 100	$ 100
Restricted stock \| Long-Term Incentive Plan
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Share-based compensation arrangement by share-based payment award, award vesting period	3 years	3 years
PSU \| Long-Term Incentive Plan
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Share-based compensation arrangement by share-based payment award, award vesting period	3 years	3 years
Performance feature comparison period	3 years	3 years
Non-Employee Directors
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Number of additional shares approved for grant (in shares)	40
Share-based payment arrangement, expense	$ 50	$ 60
Tax benefit relating to compensation expense recognized	$ 10	$ 10
Director
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Shares issues as retainer fees (in shares)	2	2

Loans - Narrative (Details) $ in Thousands	3 Months Ended
Loans - Narrative (Details) $ in Thousands	Mar. 31, 2026 USD ($) analyst loan payment	Mar. 31, 2025 USD ($) loan	Dec. 31, 2025 USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]
Modification, nonaccrual, number of loans \| loan	0
Troubled loan modification, nonaccrual, term increase		12 years
Troubled loan modification, subsequent default	$ 0
Past due period for modified loans	90 days
Number of consecutive payments for mortgage loans missed \| payment	4
Real estate acquired through foreclosure	$ 600		$ 800
Mortgage loans in process of foreclosure, amount	2,500		$ 1,900
Proceeds from the sale of loans held for investment	1,465	$ 8,912
Mortgage loans	1,308	2,303
Fixed Rate Residential Mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Proceeds from the sale of loans held for investment	1,400	8,800
Mortgage loans	$ 30	$ 220
Mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Number of analysts used in forecast \| analyst	50
R&S forecast period	1 year
Average unemployment rate, term	75 years
Loss given default forecast period	2 years
Reversion period	2 years
Mortgage \| 1-4 family owner occupied - non-jumbo
Financing Receivable, Allowance for Credit Loss [Line Items]
Modification, nonaccrual, number of loans \| loan		2
Troubled loan modification, nonaccrual		$ 110
Troubled loan modifications to total loans, nonaccrual, percentage		0.001
Mortgage \| 1-4 family owner occupied - non-jumbo \| Contractual Interest Rate Reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Number of contracts \| loan		1
Troubled loan modification, interest rate reduction, percent		4.75%
Installment
Financing Receivable, Allowance for Credit Loss [Line Items]
Number of analysts used in forecast \| analyst	50
R&S forecast period	1 year
Average unemployment rate, term	75 years

Income Tax	3 Months Ended
Income Tax	Mar. 31, 2026
Income Tax Disclosure [Abstract]
Income Tax	Income Tax Income tax expense was $3.4 million and $3.5 million during the three month periods ended March 31, 2026 and 2025, respectively. Our actual federal income tax expense is different than the amount computed by applying our statutory income tax rate to our income before income tax primarily due to tax-exempt interest income and tax-exempt income from the increase in the cash surrender value on life insurance. In addition, the three month periods ending March 31, 2026 and 2025 include reductions of $0.18 million and $0.30 million, respectively, of income tax expense related to the impact of the excess value of stock awards that vested and stock options that were exercised as compared to the initial fair values that were expensed. We assess whether a valuation allowance should be established against our deferred tax assets based on the consideration of all available evidence using a “more likely than not” standard. The ultimate realization of this asset is primarily based on generating future income. We concluded at March 31, 2026, March 31, 2025 and December 31, 2025 that the realization of substantially all of our deferred tax assets continues to be more likely than not. At both March 31, 2026 and December 31, 2025, we had approximately $0.2 million, respectively, of gross unrecognized tax benefits. We do not expect the total amount of unrecognized tax benefits to significantly increase or decrease during the remainder of 2026.

- Definition

The entire disclosure for income tax.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 740
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477617/942-740-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480738/235-10-S50-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
-SubTopic 740
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478822/944-740-50-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-12

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 231
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482663/740-10-55-231

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12C
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-12C

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-12B

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 270
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477891/740-270-50-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SAB Topic 6.I.5.Q1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479360/740-10-S99-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480990/946-20-50-13

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(h)(2))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
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-URI https://asc.fasb.org/740/tableOfContent

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-14

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
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-Name Accounting Standards Codification
-Section 50
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-21

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 17
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-17

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SAB Topic 11.C)
-Publisher FASB
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482603/740-30-50-2

+ Details

Securities - Schedule of Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, fair value, less than twelve months	$ 22,634	$ 9,451
Debt securities, available-for-sale, unrealized losses, less than twelve months	158	18
Debt securities, available-for-sale, fair value, twelve months or more	432,877	454,043
Debt securities, available-for-sale, unrealized losses, twelve months or more	55,645	51,366
Debt securities, available-for-sale, fair value, total	455,511	463,494
Debt securities, available-for-sale, unrealized losses, total	55,803	51,384
U.S. agency
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, fair value, less than twelve months	953	972
Debt securities, available-for-sale, unrealized losses, less than twelve months	2	1
Debt securities, available-for-sale, fair value, twelve months or more	6,238	6,884
Debt securities, available-for-sale, unrealized losses, twelve months or more	426	403
Debt securities, available-for-sale, fair value, total	7,191	7,856
Debt securities, available-for-sale, unrealized losses, total	428	404
U.S. agency residential mortgage-backed
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, fair value, less than twelve months	17,066	6,931
Debt securities, available-for-sale, unrealized losses, less than twelve months	151	5
Debt securities, available-for-sale, fair value, twelve months or more	47,360	49,103
Debt securities, available-for-sale, unrealized losses, twelve months or more	6,755	6,501
Debt securities, available-for-sale, fair value, total	64,426	56,034
Debt securities, available-for-sale, unrealized losses, total	6,906	6,506
U.S. agency commercial mortgage-backed
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, fair value, less than twelve months	0	0
Debt securities, available-for-sale, unrealized losses, less than twelve months	0	0
Debt securities, available-for-sale, fair value, twelve months or more	6,967	7,186
Debt securities, available-for-sale, unrealized losses, twelve months or more	879	853
Debt securities, available-for-sale, fair value, total	6,967	7,186
Debt securities, available-for-sale, unrealized losses, total	879	853
Private label mortgage-backed
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, fair value, less than twelve months	103	0
Debt securities, available-for-sale, unrealized losses, less than twelve months	0	0
Debt securities, available-for-sale, fair value, twelve months or more	36,327	39,234
Debt securities, available-for-sale, unrealized losses, twelve months or more	2,380	2,443
Debt securities, available-for-sale, fair value, total	36,430	39,234
Debt securities, available-for-sale, unrealized losses, total	2,380	2,443
Other asset backed
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, fair value, less than twelve months	147	1,392
Debt securities, available-for-sale, unrealized losses, less than twelve months	0	3
Debt securities, available-for-sale, fair value, twelve months or more	24,473	24,417
Debt securities, available-for-sale, unrealized losses, twelve months or more	447	476
Debt securities, available-for-sale, fair value, total	24,620	25,809
Debt securities, available-for-sale, unrealized losses, total	447	479
Obligations of states and political subdivisions
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, fair value, less than twelve months	0	156
Debt securities, available-for-sale, unrealized losses, less than twelve months	0	9
Debt securities, available-for-sale, fair value, twelve months or more	273,059	280,246
Debt securities, available-for-sale, unrealized losses, twelve months or more	42,979	38,991
Debt securities, available-for-sale, fair value, total	273,059	280,402
Debt securities, available-for-sale, unrealized losses, total	42,979	39,000
Corporate
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, fair value, less than twelve months	4,365	0
Debt securities, available-for-sale, unrealized losses, less than twelve months	5	0
Debt securities, available-for-sale, fair value, twelve months or more	37,469	45,986
Debt securities, available-for-sale, unrealized losses, twelve months or more	1,772	1,696
Debt securities, available-for-sale, fair value, total	41,834	45,986
Debt securities, available-for-sale, unrealized losses, total	1,777	1,696
Trust preferred
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, fair value, less than twelve months	0	0
Debt securities, available-for-sale, unrealized losses, less than twelve months	0	0
Debt securities, available-for-sale, fair value, twelve months or more	984	987
Debt securities, available-for-sale, unrealized losses, twelve months or more	7	3
Debt securities, available-for-sale, fair value, total	984	987
Debt securities, available-for-sale, unrealized losses, total	$ 7	$ 3

Derivative Financial Instruments - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Dec. 31, 2025	Mar. 31, 2025	Dec. 31, 2024
Derivative Instruments, Gain (Loss) [Line Items]
Remaining unrealized gain on this terminated interest cap	$ 510,553	$ 502,951	$ 467,277	$ 454,686
Cash flow hedge gain (loss) to be reclassified within 12 months	$ (1,900)
Derivative, term of contract (in years)	3 years 2 months 12 days
Unrealized Losses on Derivative Instruments
Derivative Instruments, Gain (Loss) [Line Items]
Remaining unrealized gain on this terminated interest cap	$ (1,788)	$ (1,380)	$ (1,367)	$ (2,070)
Fair Value Hedge, Terminated Q1 2026
Derivative Instruments, Gain (Loss) [Line Items]
Notional Amount	87,000
Fair Value Hedge, Terminated Q1 2026 \| Unrealized Losses on Derivative Instruments
Derivative Instruments, Gain (Loss) [Line Items]
Remaining unrealized gain on this terminated interest cap	330
Interest Rate Cap, Terminated Q2 2023 \| Unrealized Losses on Derivative Instruments
Derivative Instruments, Gain (Loss) [Line Items]
Remaining unrealized gain on this terminated interest cap	$ 110

- Definition

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

+ References

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

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 815
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-URI https://asc.fasb.org/1943274/2147480401/815-10-55-182

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4D

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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Reference 6: 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 9: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4D

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4E
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4E

+ Details

- Definition

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

+ References

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

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

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

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
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-Name Accounting Standards Codification
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-Paragraph 1
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-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef
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-Name Accounting Standards Codification
-Section S99
-Paragraph 1
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-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef
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-Name Accounting Standards Codification
-Section S99
-Paragraph 1
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

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

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

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

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

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

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

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

Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
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Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 323
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
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Reference 16: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
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-Paragraph 2
-Subparagraph (SAB Topic 4.E)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480418/310-10-S99-2

+ Details

Loans - Schedule of Aging Analysis of Loans by Class (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Aging Analysis of Loans By Class
Loans	$ 4,308,099	$ 4,276,285
Accrued interest excluded from total	14,078	13,952
Financial Asset, Past Due
Aging Analysis of Loans By Class
Loans	41,738	37,380
Accrued interest excluded from total	113	115
30-59 days
Aging Analysis of Loans By Class
Loans	6,796	3,798
Accrued interest excluded from total	71	37
60-89 days
Aging Analysis of Loans By Class
Loans	3,686	25,148
Accrued interest excluded from total	42	78
90+ days
Aging Analysis of Loans By Class
Loans	31,256	8,434
Accrued interest excluded from total	0	0
Loans not Past Due
Aging Analysis of Loans By Class
Loans	4,266,361	4,238,905
Accrued interest excluded from total	13,965	13,837
Commercial
Aging Analysis of Loans By Class
Loans	2,267,369	2,213,557
Accrued interest excluded from total	7,070	6,901
Commercial \| Commercial and industrial
Aging Analysis of Loans By Class
Loans	1,205,190	1,158,841
Accrued interest excluded from total	3,934	3,551
Commercial \| Commercial and industrial \| Financial Asset, Past Due
Aging Analysis of Loans By Class
Loans	67	0
Commercial \| Commercial and industrial \| 30-59 days
Aging Analysis of Loans By Class
Loans	67	0
Commercial \| Commercial and industrial \| 60-89 days
Aging Analysis of Loans By Class
Loans	0	0
Commercial \| Commercial and industrial \| 90+ days
Aging Analysis of Loans By Class
Loans	0	0
Commercial \| Commercial and industrial \| Loans not Past Due
Aging Analysis of Loans By Class
Loans	1,205,123	1,158,841
Commercial \| Commercial real estate
Aging Analysis of Loans By Class
Loans	1,062,179	1,054,716
Accrued interest excluded from total	3,136	3,350
Commercial \| Commercial real estate \| Financial Asset, Past Due
Aging Analysis of Loans By Class
Loans	31,013	26,888
Commercial \| Commercial real estate \| 30-59 days
Aging Analysis of Loans By Class
Loans	3,991	0
Commercial \| Commercial real estate \| 60-89 days
Aging Analysis of Loans By Class
Loans	0	22,988
Commercial \| Commercial real estate \| 90+ days
Aging Analysis of Loans By Class
Loans	27,022	3,900
Commercial \| Commercial real estate \| Loans not Past Due
Aging Analysis of Loans By Class
Loans	1,031,166	1,027,828
Mortgage
Aging Analysis of Loans By Class
Loans	1,520,358	1,524,821
Accrued interest excluded from total	5,498	5,503
Mortgage \| 1-4 family owner occupied - jumbo
Aging Analysis of Loans By Class
Loans	883,289	878,761
Accrued interest excluded from total	2,742	2,675
Mortgage \| 1-4 family owner occupied - jumbo \| Financial Asset, Past Due
Aging Analysis of Loans By Class
Loans	3,688	3,540
Mortgage \| 1-4 family owner occupied - jumbo \| 30-59 days
Aging Analysis of Loans By Class
Loans	0	716
Mortgage \| 1-4 family owner occupied - jumbo \| 60-89 days
Aging Analysis of Loans By Class
Loans	1,535	660
Mortgage \| 1-4 family owner occupied - jumbo \| 90+ days
Aging Analysis of Loans By Class
Loans	2,153	2,164
Mortgage \| 1-4 family owner occupied - jumbo \| Loans not Past Due
Aging Analysis of Loans By Class
Loans	879,601	875,221
Mortgage \| 1-4 family owner occupied - non-jumbo
Aging Analysis of Loans By Class
Loans	278,558	289,562
Accrued interest excluded from total	1,116	1,153
Mortgage \| 1-4 family owner occupied - non-jumbo \| Financial Asset, Past Due
Aging Analysis of Loans By Class
Loans	2,583	3,439
Mortgage \| 1-4 family owner occupied - non-jumbo \| 30-59 days
Aging Analysis of Loans By Class
Loans	160	1,381
Mortgage \| 1-4 family owner occupied - non-jumbo \| 60-89 days
Aging Analysis of Loans By Class
Loans	1,122	757
Mortgage \| 1-4 family owner occupied - non-jumbo \| 90+ days
Aging Analysis of Loans By Class
Loans	1,301	1,301
Mortgage \| 1-4 family owner occupied - non-jumbo \| Loans not Past Due
Aging Analysis of Loans By Class
Loans	275,975	286,123
Mortgage \| 1-4 family non-owner occupied
Aging Analysis of Loans By Class
Loans	174,508	172,293
Accrued interest excluded from total	661	654
Mortgage \| 1-4 family non-owner occupied \| Financial Asset, Past Due
Aging Analysis of Loans By Class
Loans	399	170
Mortgage \| 1-4 family non-owner occupied \| 30-59 days
Aging Analysis of Loans By Class
Loans	48	119
Mortgage \| 1-4 family non-owner occupied \| 60-89 days
Aging Analysis of Loans By Class
Loans	309	29
Mortgage \| 1-4 family non-owner occupied \| 90+ days
Aging Analysis of Loans By Class
Loans	42	22
Mortgage \| 1-4 family non-owner occupied \| Loans not Past Due
Aging Analysis of Loans By Class
Loans	174,109	172,123
Mortgage \| 1-4 family - 2nd lien
Aging Analysis of Loans By Class
Loans	158,237	157,597
Accrued interest excluded from total	860	899
Mortgage \| 1-4 family - 2nd lien \| Financial Asset, Past Due
Aging Analysis of Loans By Class
Loans	1,637	965
Mortgage \| 1-4 family - 2nd lien \| 30-59 days
Aging Analysis of Loans By Class
Loans	880	270
Mortgage \| 1-4 family - 2nd lien \| 60-89 days
Aging Analysis of Loans By Class
Loans	374	235
Mortgage \| 1-4 family - 2nd lien \| 90+ days
Aging Analysis of Loans By Class
Loans	383	460
Mortgage \| 1-4 family - 2nd lien \| Loans not Past Due
Aging Analysis of Loans By Class
Loans	156,600	156,632
Mortgage \| Resort lending
Aging Analysis of Loans By Class
Loans	25,766	26,608
Accrued interest excluded from total	119	122
Mortgage \| Resort lending \| Financial Asset, Past Due
Aging Analysis of Loans By Class
Loans	57	57
Mortgage \| Resort lending \| 30-59 days
Aging Analysis of Loans By Class
Loans	0	0
Mortgage \| Resort lending \| 60-89 days
Aging Analysis of Loans By Class
Loans	0	0
Mortgage \| Resort lending \| 90+ days
Aging Analysis of Loans By Class
Loans	57	57
Mortgage \| Resort lending \| Loans not Past Due
Aging Analysis of Loans By Class
Loans	25,709	26,551
Installment
Aging Analysis of Loans By Class
Loans	520,372	537,907
Accrued interest excluded from total	1,510	1,548
Installment \| Boat lending
Aging Analysis of Loans By Class
Loans	267,783	272,512
Accrued interest excluded from total	773	778
Installment \| Boat lending \| Financial Asset, Past Due
Aging Analysis of Loans By Class
Loans	497	729
Installment \| Boat lending \| 30-59 days
Aging Analysis of Loans By Class
Loans	348	287
Installment \| Boat lending \| 60-89 days
Aging Analysis of Loans By Class
Loans	74	200
Installment \| Boat lending \| 90+ days
Aging Analysis of Loans By Class
Loans	75	242
Installment \| Boat lending \| Loans not Past Due
Aging Analysis of Loans By Class
Loans	267,286	271,783
Installment \| Recreational vehicle lending
Aging Analysis of Loans By Class
Loans	183,495	191,857
Accrued interest excluded from total	480	496
Installment \| Recreational vehicle lending \| Financial Asset, Past Due
Aging Analysis of Loans By Class
Loans	1,383	985
Installment \| Recreational vehicle lending \| 30-59 days
Aging Analysis of Loans By Class
Loans	1,014	550
Installment \| Recreational vehicle lending \| 60-89 days
Aging Analysis of Loans By Class
Loans	210	205
Installment \| Recreational vehicle lending \| 90+ days
Aging Analysis of Loans By Class
Loans	159	230
Installment \| Recreational vehicle lending \| Loans not Past Due
Aging Analysis of Loans By Class
Loans	182,112	190,872
Installment \| Other
Aging Analysis of Loans By Class
Loans	69,094	73,538
Accrued interest excluded from total	257	274
Installment \| Other \| Financial Asset, Past Due
Aging Analysis of Loans By Class
Loans	414	607
Installment \| Other \| 30-59 days
Aging Analysis of Loans By Class
Loans	288	475
Installment \| Other \| 60-89 days
Aging Analysis of Loans By Class
Loans	62	74
Installment \| Other \| 90+ days
Aging Analysis of Loans By Class
Loans	64	58
Installment \| Other \| Loans not Past Due
Aging Analysis of Loans By Class
Loans	$ 68,680	$ 72,931

Shareholders' Equity and Earnings Per Common Share - Schedule of Reconciliation of Basic and Diluted Net Income Per Common Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Earnings Per Share Reconciliation [Abstract]
Net income	$ 16,875	$ 15,590
Weighted average shares outstanding (in shares)	20,575	20,943
Stock units for deferred compensation plan for non-employee directors (in shares)	179	177
Performance share units (in shares)	25	28
Effect of stock options (in shares)	1	2
Weighted average shares outstanding for calculation of diluted earnings per share (in shares)	20,780	21,150
Net income per common share
Basic (in dollars per share)	$ 0.82	$ 0.74
Diluted (in dollars per share)	$ 0.81	$ 0.74

Loans - Schedule of Financing Receivable, Nonaccrual (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Financing Receivable, Past Due [Line Items]
Accrued interest excluded from total	$ 14,078	$ 13,952
90+ and Still Accruing
Financing Receivable, Past Due [Line Items]
Accrued interest excluded from total	0	0
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Government guaranteed loans excluded from non-performing loans	7,090	7,018
1-4 family owner occupied - non-jumbo
Financing Receivable, Past Due [Line Items]
Government guaranteed loans excluded from non-performing loans	3,112	2,929
Commercial
Financing Receivable, Past Due [Line Items]
Accrued interest excluded from total	7,070	6,901
Commercial \| Commercial and industrial
Financing Receivable, Past Due [Line Items]
Accrued interest excluded from total	3,934	3,551
Commercial \| Commercial real estate
Financing Receivable, Past Due [Line Items]
Accrued interest excluded from total	3,136	3,350
Mortgage
Financing Receivable, Past Due [Line Items]
Accrued interest excluded from total	5,498	5,503
Mortgage \| 1-4 family owner occupied - jumbo
Financing Receivable, Past Due [Line Items]
Accrued interest excluded from total	2,742	2,675
Mortgage \| 1-4 family owner occupied - non-jumbo
Financing Receivable, Past Due [Line Items]
Accrued interest excluded from total	1,116	1,153
Mortgage \| 1-4 family non-owner occupied
Financing Receivable, Past Due [Line Items]
Accrued interest excluded from total	661	654
Mortgage \| 1-4 family - 2nd lien
Financing Receivable, Past Due [Line Items]
Accrued interest excluded from total	860	899
Mortgage \| Resort lending
Financing Receivable, Past Due [Line Items]
Accrued interest excluded from total	119	122
Installment
Financing Receivable, Past Due [Line Items]
Accrued interest excluded from total	1,510	1,548
Installment \| Boat lending
Financing Receivable, Past Due [Line Items]
Accrued interest excluded from total	773	778
Installment \| Recreational vehicle lending
Financing Receivable, Past Due [Line Items]
Accrued interest excluded from total	480	496
Installment \| Other
Financing Receivable, Past Due [Line Items]
Accrued interest excluded from total	257	274
Non-performing TDR's
Financing Receivable, Past Due [Line Items]
Non- Accrual with no Allowance for Credit Loss	17,316	13,306
Non- Accrual with an Allowance for Credit Loss	10,257	9,821
Total Non- Accrual	27,573	23,127
90+ and Still Accruing	0	0
Total Non- Performing Loans	27,573	23,127
Accrued interest excluded from total	0	0
Non-performing TDR's \| 90+ and Still Accruing
Financing Receivable, Past Due [Line Items]
Accrued interest excluded from total	0	0
Non-performing TDR's \| Commercial \| Commercial and industrial
Financing Receivable, Past Due [Line Items]
Non- Accrual with no Allowance for Credit Loss	0	0
Non- Accrual with an Allowance for Credit Loss	67	0
Total Non- Accrual	67	0
90+ and Still Accruing	0	0
Total Non- Performing Loans	67	0
Non-performing TDR's \| Commercial \| Commercial real estate
Financing Receivable, Past Due [Line Items]
Non- Accrual with no Allowance for Credit Loss	12,696	9,261
Non- Accrual with an Allowance for Credit Loss	7,224	7,252
Total Non- Accrual	19,920	16,513
90+ and Still Accruing	0	0
Total Non- Performing Loans	19,920	16,513
Non-performing TDR's \| Mortgage \| 1-4 family owner occupied - jumbo
Financing Receivable, Past Due [Line Items]
Non- Accrual with no Allowance for Credit Loss	2,789	2,145
Non- Accrual with an Allowance for Credit Loss	0	0
Total Non- Accrual	2,789	2,145
90+ and Still Accruing	0	0
Total Non- Performing Loans	2,789	2,145
Non-performing TDR's \| Mortgage \| 1-4 family owner occupied - non-jumbo
Financing Receivable, Past Due [Line Items]
Non- Accrual with no Allowance for Credit Loss	1,366	1,700
Non- Accrual with an Allowance for Credit Loss	1,181	670
Total Non- Accrual	2,547	2,370
90+ and Still Accruing	0	0
Total Non- Performing Loans	2,547	2,370
Non-performing TDR's \| Mortgage \| 1-4 family non-owner occupied
Financing Receivable, Past Due [Line Items]
Non- Accrual with no Allowance for Credit Loss	0	0
Non- Accrual with an Allowance for Credit Loss	199	94
Total Non- Accrual	199	94
90+ and Still Accruing	0	0
Total Non- Performing Loans	199	94
Non-performing TDR's \| Mortgage \| 1-4 family - 2nd lien
Financing Receivable, Past Due [Line Items]
Non- Accrual with no Allowance for Credit Loss	465	200
Non- Accrual with an Allowance for Credit Loss	784	888
Total Non- Accrual	1,249	1,088
90+ and Still Accruing	0	0
Total Non- Performing Loans	1,249	1,088
Non-performing TDR's \| Mortgage \| Resort lending
Financing Receivable, Past Due [Line Items]
Non- Accrual with no Allowance for Credit Loss	0	0
Non- Accrual with an Allowance for Credit Loss	57	57
Total Non- Accrual	57	57
90+ and Still Accruing	0	0
Total Non- Performing Loans	57	57
Non-performing TDR's \| Installment \| Boat lending
Financing Receivable, Past Due [Line Items]
Non- Accrual with no Allowance for Credit Loss	0	0
Non- Accrual with an Allowance for Credit Loss	273	308
Total Non- Accrual	273	308
90+ and Still Accruing	0	0
Total Non- Performing Loans	273	308
Non-performing TDR's \| Installment \| Recreational vehicle lending
Financing Receivable, Past Due [Line Items]
Non- Accrual with no Allowance for Credit Loss	0	0
Non- Accrual with an Allowance for Credit Loss	284	354
Total Non- Accrual	284	354
90+ and Still Accruing	0	0
Total Non- Performing Loans	284	354
Non-performing TDR's \| Installment \| Other
Financing Receivable, Past Due [Line Items]
Non- Accrual with no Allowance for Credit Loss	0	0
Non- Accrual with an Allowance for Credit Loss	188	198
Total Non- Accrual	188	198
90+ and Still Accruing	0	0
Total Non- Performing Loans	$ 188	$ 198

Share Based Compensation

3 Months Ended

Mar. 31, 2026

Share-Based Payment Arrangement [Abstract]

Share Based Compensation

We maintain share based payment plans that include a non-employee director stock purchase plan and a long-term incentive plan that permits the issuance of share based compensation, including stock options and non-vested share awards. The long-term incentive plan, which is shareholder approved, permits the grant of additional share based awards for up to 0.2 million shares of common stock as of March 31, 2026. The non-employee director stock purchase plan permits the issuance of additional share based payments for up to 0.04 million shares of common stock as of March 31, 2026. Share based awards and payments are measured at fair value at the date of grant and are expensed over the requisite service period. Common shares issued upon exercise of stock options come from currently authorized but unissued shares.

A summary of restricted stock and performance stock units (“PSU”) granted pursuant to our long-term incentive plan follows:


	Three Months Ended March 31,
	2026	2025

Restricted stock	63,457	52,019
PSU	16,859	16,364

The shares of restricted stock and PSUs shown in the above table cliff vest after a period of three years. The performance criteria of the PSUs is split evenly between a comparison of (i) our total shareholder return and (ii) our return on average assets each over the three year period starting on the grant date to these same criteria over that period to an index of our banking peers.

Our directors may elect to receive all or a portion of their cash retainer fees in the form of common stock (either on a current basis or on a deferred basis) pursuant to the non-employee director stock purchase plan referenced above. Shares equal in value to that portion of each director’s fees that he or she has elected to receive in stock on a current basis are issued each quarter and vest immediately. Shares issued on a deferred basis are credited at the rate of 90% of the current fair value of our common stock and vest immediately. During the three month periods ended March 31, 2026 and 2025 we issued 0.002 million and 0.002 million shares, respectively and expensed their value during those same periods.

Total compensation expense recognized for grants pursuant to our long-term incentive plan was $0.6 million during both three month periods ended March 31, 2026 and 2025, respectively. The corresponding tax benefit relating to this expense was $0.1 million during both three month periods ended March 31, 2026 and 2025, respectively. Total expense recognized for non-employee director share based payments was $0.05 million and $0.06 million during three month periods ended March 31, 2026 and 2025, respectively. The corresponding tax benefit relating to this expense was $0.01 million and $0.01 million for three month periods ended March 31, 2026 and 2025, respectively.

A summary of outstanding non-vested stock and related transactions follows:


	Number of Shares	Weighted- Average Grant Date Fair Value
Outstanding at January 1, 2026	250,213	$	27.70
Granted	80,316	37.29
Vested	(80,514)	23.87
Forfeited	(4,699)	33.02
Outstanding at March 31, 2026	245,316	$	31.99

At March 31, 2026, the total expected compensation cost related to non-vested restricted stock and PSUs not yet recognized was $5.0 million. The weighted-average period over which this amount will be recognized is 2.4 years.

A summary of outstanding stock option grants and related transactions follows:


	Number of Shares	Average Exercise Price		Weighted- Average Remaining Contractual Term (Years)	Aggregated Intrinsic Value
					(In thousands)
Outstanding at January 1, 2026	2,790	$	13.43
Granted	—
Exercised	(2,790)	13.43
Forfeited	—
Expired	—
Outstanding at March 31, 2026	0	$	—	0	$	—

Vested and expected to vest at March 31, 2026	0	$	—	0	$	—
Exercisable at March 31, 2026	0	$	—	0	$	—

Certain information regarding options exercised during the periods follows:


	Three Months Ended March 31,
	2026		2025
	(In thousands)
Intrinsic value	$	55	$	64
Cash proceeds received	$	—	$	—
Tax benefit realized	$	12	$	13

Segment Reporting - Schedule of Segment Reporting Information, by Segment (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Interest Income
Interest and fees on loans	$ 59,249	$ 57,768
Interest on securities	5,876	6,806
Other investments	1,044	1,570
Total Interest Income	66,169	66,144
Interest Expense
Deposits	18,397	20,955
Other borrowings and subordinated debt and debentures	917	1,504
Total Interest Expense	19,314	22,459
Net Interest Income	46,855	43,685
Provision for credit losses	362	721
Net Interest Income After Provision for Credit Losses	46,493	42,964
Non-interest Income
Interchange income	3,234	3,127
Service charges on deposit accounts	2,935	2,814
Net gains on mortgage loans	1,308	2,303
Mortgage loan servicing, net	1,646	(636)
Other	2,925	2,816
Total Non-interest Income	12,048	10,424
Non-interest Expense
Compensation and employee benefits	21,829	20,383
Data processing	3,952	3,729
Occupancy, net	2,413	2,223
Litigation expense	1,500	0
Advertising	1,210	861
Interchange expense	1,191	1,119
Furniture, fixtures and equipment	894	885
FDIC deposit insurance	799	711
Loan and collection	752	786
Communications	593	591
Legal and professional	591	479
Other	2,587	2,495
Total Non-interest Expense	38,311	34,262
Income (Loss) Before Income Tax	20,230	19,126
Income tax expense (benefit)	3,355	3,536
Net Income (Loss)	16,875	15,590
OTHER SEGMENT DISCLOSURES
Depreciation	1,263	1,241
Amortization	115	122
Total assets	5,557,509	5,328,428	$ 5,505,720
Operating Segments \| Independent Bank
Interest Income
Interest and fees on loans	59,171	57,708
Interest on securities	5,876	6,806
Other investments	1,044	1,570
Total Interest Income	66,091	66,084
Interest Expense
Deposits	18,397	21,324
Other borrowings and subordinated debt and debentures	240	143
Total Interest Expense	18,637	21,467
Net Interest Income	47,454	44,617
Provision for credit losses	362	721
Net Interest Income After Provision for Credit Losses	47,092	43,896
Non-interest Income
Interchange income	3,234	3,127
Service charges on deposit accounts	2,935	2,814
Net gains on mortgage loans	1,208	2,223
Mortgage loan servicing, net	1,646	(636)
Other	2,828	2,694
Total Non-interest Income	11,851	10,222
Non-interest Expense
Compensation and employee benefits	21,740	20,292
Data processing	3,929	3,710
Occupancy, net	2,407	2,217
Litigation expense	1,500
Advertising	1,208	859
Interchange expense	1,191	1,119
Furniture, fixtures and equipment	894	884
FDIC deposit insurance	799	711
Loan and collection	752	786
Communications	587	582
Legal and professional	444	356
Other	2,369	2,301
Total Non-interest Expense	37,820	33,817
Income (Loss) Before Income Tax	21,123	20,301
Income tax expense (benefit)	3,563	3,954
Net Income (Loss)	17,560	16,347
OTHER SEGMENT DISCLOSURES
Depreciation	1,262	1,240
Amortization	115	122
Total assets	5,551,229	5,321,109
Other
Interest Income
Interest and fees on loans	0	0
Interest on securities	0	0
Other investments	0	369
Total Interest Income	0	369
Interest Expense
Deposits	0	0
Other borrowings and subordinated debt and debentures	677	1,361
Total Interest Expense	677	1,361
Net Interest Income	(677)	(992)
Provision for credit losses	0	0
Net Interest Income After Provision for Credit Losses	(677)	(992)
Non-interest Income
Interchange income	0	0
Service charges on deposit accounts	0	0
Net gains on mortgage loans	0	0
Mortgage loan servicing, net	0	0
Other	345	319
Total Non-interest Income	345	319
Non-interest Expense
Compensation and employee benefits	134	132
Data processing	23	19
Occupancy, net	6	6
Litigation expense	0
Advertising	2	2
Interchange expense	0	0
Furniture, fixtures and equipment	0	1
FDIC deposit insurance	0	0
Loan and collection	0	0
Communications	6	9
Legal and professional	147	123
Other	218	194
Total Non-interest Expense	536	486
Income (Loss) Before Income Tax	(868)	(1,159)
Income tax expense (benefit)	(203)	(414)
Net Income (Loss)	(665)	(745)
OTHER SEGMENT DISCLOSURES
Depreciation	1	1
Amortization	0	0
Total assets	571,840	562,848
Eliminations
Interest Income
Interest and fees on loans	78	60
Interest on securities	0	0
Other investments	0	(369)
Total Interest Income	78	(309)
Interest Expense
Deposits	0	(369)
Other borrowings and subordinated debt and debentures	0	0
Total Interest Expense	0	(369)
Net Interest Income	78	60
Provision for credit losses	0	0
Net Interest Income After Provision for Credit Losses	78	60
Non-interest Income
Interchange income	0	0
Service charges on deposit accounts	0	0
Net gains on mortgage loans	100	80
Mortgage loan servicing, net	0	0
Other	(248)	(197)
Total Non-interest Income	(148)	(117)
Non-interest Expense
Compensation and employee benefits	(45)	(41)
Data processing	0	0
Occupancy, net	0	0
Litigation expense	0
Advertising	0	0
Interchange expense	0	0
Furniture, fixtures and equipment	0	0
FDIC deposit insurance	0	0
Loan and collection	0	0
Communications	0	0
Legal and professional	0	0
Other	0	0
Total Non-interest Expense	(45)	(41)
Income (Loss) Before Income Tax	(25)	(16)
Income tax expense (benefit)	(5)	(4)
Net Income (Loss)	(20)	(12)
OTHER SEGMENT DISCLOSURES
Depreciation	0	0
Amortization	0	0
Total assets	$ (565,560)	$ (555,529)

Cover Page - shares	3 Months Ended
Cover Page - shares	Mar. 31, 2026	May 05, 2026
Cover [Abstract]
Document Type	10-Q
Document Period End Date	Mar. 31, 2026
Entity File Number	0-7818
Entity Registrant Name	INDEPENDENT BANK CORPORATION
Entity Incorporation, State or Country Code	MI
Entity Tax Identification Number	38-2032782
Entity Address, Address Line One	4200 East Beltline
Entity Address, City or Town	Grand Rapids
Entity Address, State or Province	MI
Entity Address, Postal Zip Code	49525
City Area Code	616
Local Phone Number	527-5820
Title of 12(b) Security	Common stock, no par value
Trading Symbol	IBCP
Security Exchange Name	NASDAQ
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)		20,606,157
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2026
Entity Central Index Key	0000039311
Amendment Flag	false
Document Quarterly Report	true
Document Transition Report	false

Securities - Schedule of Gains and Losses Realized on Sale of Securities Available for Sale (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Investments, Debt and Equity Securities [Abstract]
Proceeds from the sale of securities available for sale	$ 3,256	$ 22,503
Debt Securities, Available-for-Sale, Realized Gain (Loss)
Gain on sale of securities available-for-sale	0	1
Losses on sale of securities available-for-sale	$ 26	$ 331

Fair Value Disclosures

3 Months Ended

Mar. 31, 2026

Fair Value Disclosures [Abstract]

Fair Value Disclosures

FASB ASC topic 820 defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. FASB ASC topic 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.

The standard describes three levels of inputs that may be used to measure fair value:

Level 1: Valuation is based upon quoted prices for identical instruments traded in active markets. Level 1 instruments include securities traded on active exchange markets, such as the New York Stock Exchange, as well as U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets.

Level 2: Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level 2 instruments include securities traded in less active dealer or broker markets.

Level 3: Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques.

We used the following methods and significant assumptions to estimate fair value:

Securities: Where quoted market prices are available in an active market, securities are classified as Level 1 of the valuation hierarchy. We currently do not have any Level 1 securities. If quoted market prices are not available for the specific security, then fair values are estimated by (1) using quoted market prices of securities with similar characteristics, (2) matrix pricing, which is a mathematical technique used widely in the industry to value securities without relying exclusively on quoted prices for specific securities but rather by relying on the securities’ relationship to other benchmark quoted prices, or (3) a discounted cash flow analysis whose significant fair value inputs can generally be verified and do not typically involve judgment by management. These securities are classified as Level 2 of the valuation hierarchy and primarily include agency securities, private label mortgage-backed securities, other asset backed securities, obligations of states and political subdivisions, trust preferred securities and corporate securities.

Loans held for sale: The fair value of loans held for sale, carried at fair value is based on agency cash window loan pricing for comparable assets (recurring Level 2).

Collateral dependent loans with specific loss allocations based on collateral value: From time to time, certain collateral dependent loans will have an ACL established. When the fair value of the collateral is based on an appraised value or when an appraised value is not available we record the collateral dependent loan as nonrecurring Level 3. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments can be significant and thus will typically result in a Level 3 classification of the inputs for determining fair value.

Other real estate: At the time of acquisition, other real estate is recorded at fair value, less estimated costs to sell, which becomes the property’s new basis. Subsequent write-downs to reflect declines in value since the time of acquisition may occur from time to time and are recorded in net gains (losses) on other real estate and repossessed assets, which is part of non-interest expense - other in the interim Condensed Consolidated Statements of Operations. The fair value of the property used at and subsequent to the time of acquisition is typically determined by a third party appraisal of the property. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments can be significant and typically result in a Level 3 classification of the inputs for determining fair value.

Appraisals for both collateral-dependent loans and other real estate 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 us. Once received, an independent third party, or a member of our Collateral Evaluation Department (for commercial properties), or a member of our Special Assets Group (for residential properties) reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. We compare the actual selling price of collateral that has been sold to the most recent appraised value of our properties to determine what additional adjustment, if any, should be made to the appraisal value to arrive at fair value. For commercial and residential properties we typically discount an appraisal to account for various factors that the appraisal excludes in its assumptions.

Capitalized mortgage loan servicing rights: The fair value of capitalized mortgage loan servicing rights is based on a valuation model used by an independent third party that calculates the present value of estimated net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income. Certain model assumptions are generally unobservable and are based upon the best information available including data relating to our own servicing portfolio, reviews of mortgage servicing assumption and valuation surveys and input from various mortgage servicers and, therefore, are recorded as Level 3. Management evaluates the third party valuation for reasonableness each quarter as part of our financial reporting control processes.

Derivatives: The fair value of rate-lock mortgage loan commitments is based on agency cash window loan pricing for comparable assets and the fair value of mandatory commitments to sell mortgage loans is based on mortgage-backed security pricing for comparable assets (recurring Level 2). The fair value of interest rate swap, interest rate cap and interest rate floor agreements are derived from proprietary models which utilize current market data. The significant fair value inputs can generally be observed in the market place and do not typically involve judgment by management (recurring Level 2).

Assets and liabilities measured at fair value, including financial assets for which we have elected the fair value option, were as follows:


			Fair Value Measurements Using
	Fair Value Measure- ments		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Un- observable Inputs (Level 3)
	(In thousands)
March 31, 2026:
Measured at Fair Value on a Recurring Basis
Assets
Securities available for sale
U.S. agency	$	7,251	$	—	$	7,251	$	—
U.S. agency residential mortgage-backed	85,488		—		85,488		—
U.S. agency commercial mortgage-backed	6,967		—		6,967		—
Private label mortgage-backed	37,107		—		37,107		—
Other asset backed	28,939		—		28,939		—
Obligations of states and political subdivisions	273,560		—		273,560		—
Corporate	41,999		—		41,999		—
Trust preferred	984		—		984		—
Loans held for sale	19,714		—		19,714		—
Capitalized mortgage loan servicing rights	32,233		—		—		32,233
Derivatives (1)	26,970		—		26,970		—
Liabilities
Derivatives (2)	15,575		—		15,575		—

Measured at Fair Value on a Non-recurring Basis:
Assets
Collateral dependent loans (3)
Commercial
Commercial and industrial	8,597		—		—		8,597
Commercial real estate	9,611		—		—		9,611
Mortgage
1-4 family owner occupied - non-jumbo	571		—		—		571
1-4 family non-owner occupied	78		—		—		78
1-4 family - 2nd lien	267		—		—		267
Resort lending	37		—		—		37
Installment
Boat lending	55		—		—		55
Recreational vehicle lending	387		—		—		387
Other	52		—		—		52

________________________________

(1)Included in accrued income and other assets

(2)Included in accrued expenses and other liabilities

(3)Only includes individually evaluated loans with specific allocations of the ACL based on collateral value.


			Fair Value Measurements Using
	Fair Value Measure- ments		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Un- observable Inputs (Level 3)
	(In thousands)
December 31, 2025:
Measured at Fair Value on a Recurring Basis
Assets
Securities available for sale
U.S. agency	$	7,917	$	—	$	7,917	$	—
U.S. agency residential mortgage-backed	81,065		—		81,065		—
U.S. agency commercial mortgage-backed	7,186		—		7,186		—
Private label mortgage-backed	40,506		—		40,506		—
Other asset backed	30,185		—		30,185		—
Obligations of states and political subdivisions	280,402		—		280,402		—
Corporate	47,661		—		47,661		—
Trust preferred	987		—		987		—
Loans held for sale	9,031		—		9,031		—
Capitalized mortgage loan servicing rights	31,493		—		—		31,493
Derivatives (1)	29,584		—		29,584		—
Liabilities
Derivatives (2)	19,551		—		19,551		—

Measured at Fair Value on a Non-recurring Basis:
Assets

Collateral dependent loans (3)
Commercial
Commercial and industrial	7,361		—		—		7,361
Commercial real estate	10,123		—		—		10,123
Mortgage
1-4 family owner occupied - non-jumbo	432		—		—		432
1-4 family non-owner occupied	14		—		—		14
1-4 family - 2nd lien	238		—		—		238
Resort lending	37		—		—		37
Installment
Boat lending	150		—		—		150
Recreational vehicle lending	153		—		—		153
Other	70		—		—		70

_________________________________

(1)Included in accrued income and other assets

(2)Included in accrued expenses and other liabilities

(3)Only includes individually evaluated loans with specific allocations of the ACL based on collateral value.

Changes in fair values for financial assets which we have elected the fair value option for the periods presented were as follows:


	Changes in Fair Values for the Three Month Periods Ended March 31 for items Measured at Fair Value Pursuant to Election of the Fair Value Option
	Net Gains (losses) on Assets		Mortgage Loan Servicing, net		Total Change in Fair Values Included in Current Period Earnings
	Mortgage Loans
	(In thousands)
2026
Loans held for sale	$	(160)	$	—	$	(160)
Capitalized mortgage loan servicing rights	—		10		10

2025
Loans held for sale	55		—		55
Capitalized mortgage loan servicing rights	—		(2,424)		(2,424)

For those items measured at fair value pursuant to our election of the fair value option, interest income is recorded within the interim Condensed Consolidated Statements of Operations based on the contractual amount of interest income earned on these financial assets.

The following represent impairment charges recognized during the three month periods ended March 31, 2026 and 2025 relating to assets measured at fair value on a non-recurring basis:

•Loans that are individually evaluated using the fair value of collateral for collateral dependent loans had a carrying amount of $19.7 million, which is net of a valuation allowance of $7.1 million at March 31, 2026, and had a carrying amount of $18.6 million, which is net of a valuation allowance of $6.8 million at December 31, 2025. The provision for credit losses included in our results of operations relating to collateral dependent loans was a net expense of $0.7 million and $1.7 million for the three month periods ending March 31, 2026 and 2025, respectively.

A reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) follows:


		Capitalized Mortgage Loan Servicing Rights
	Three Months Ended March 31,
		2026		2025
	(In thousands)
Beginning balance		$	31,493	$	46,796
Total gains (losses) realized and unrealized:
Included in results of operations		10		(2,424)
Included in results of operations - gain on sale(1)		—		(94)
Included in other comprehensive loss		—		—
Purchases, issuances, settlements, maturities and calls		730		855
Sales(1)		—		(12,962)
Transfers in and/or out of Level 3		—		—
Ending balance		$	32,233	$	32,171

Amount of total gains (losses) for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at March 31		$	10	$	(2,424)

The fair value of our capitalized mortgage loan servicing rights has been determined based on a valuation model used by an independent third party as discussed above. The significant unobservable inputs used in the fair value measurement of the capitalized mortgage loan servicing rights are discount rate, cost to service, ancillary income, float rate and prepayment rate. Significant changes in all five of these assumptions in isolation would result in significant changes to the value of our capitalized mortgage loan servicing rights. Quantitative information about our Level 3 fair value measurements measured on a recurring basis follows:


	Asset Fair Value		Valuation Technique	Unobservable Inputs	Range		Weighted Average
	(In thousands)
March 31, 2026
Capitalized mortgage loan servicing rights	$	32,233	Present value of net servicing revenue	Discount rate	9.50% to 19.59%		9.97		%
				Cost to service	$69 to $832		$	80
				Ancillary income	20 to 30		21
				Float rate	3.91	%	3.91		%
				Prepayment rate	5.39% to 43.76%		9.16		%
December 31, 2025
Capitalized mortgage loan servicing rights	$	31,493	Present value of net servicing revenue	Discount rate	9.50% to 18.65%		9.94		%
				Cost to service	$69 to $817		$	80
				Ancillary income	20 to 30		20
				Float rate	3.75	%	3.75		%
				Prepayment rate	5.39% to 39.62%		9.60%

Quantitative information about Level 3 fair value measurements measured on a non-recurring basis follows:

Asset
Fair
Value

Valuation
Technique

Unobservable
Inputs

Range

Weighted
Average

(In thousands)

March 31, 2026

Collateral dependent loans

Commercial

9,314

(1)

Income approach

Discount rates used

10.0% to 16.0%

14.2

Income approach

Capitalization rate used

10.0%

10.0

Sales comparison approach

Adjustment for differences between comparable sales

(50.0) to 15.0

(0.6)

8,090

Discounting financial statement and machinery and equipment appraised values

Discount rates used

32.0 to 65.0

38.8

804

Sales comparison approach

Adjustment for differences between comparable sales

(18.0) to 42.0

8.7

Mortgage and Installment(2)

1,447

Sales comparison approach

Adjustment for differences between comparable sales

(22.0) to 15.1

0.3

December 31, 2025

Collateral dependent loans

Commercial

9,826

(1)

Income approach

Discount rates used

9.0% to 16.0%

13.5

Sales comparison approach

Adjustment for differences between comparable sales

(50.0) to 15.0

(0.6)

7,010

Discounting financial statement and machinery and equipment appraised values

Discount rates used

40.0 to 65.0

47.2

648

Sales comparison approach

Adjustment for differences between comparable sales

(18.0) to 65.0

8.7

Mortgage and Installment(2)

1,094

Sales comparison approach

Adjustment for differences between comparable sales

(17.7) to 16.9

0.2


(1)			We have one commercial loan relationship that is cross collateralized by several properties whose appraisals used different valuation techniques.
(2)			In addition to the valuation techniques and unobservable inputs discussed above, at March 31, 2026 and December 31, 2025 certain collateral dependent installment loans totaling approximately $0.50 million and $0.37 million, respectively, are secured by collateral other than real estate. For the majority of these loans, we apply internal discount rates to industry valuation guides.


	Aggregate Fair Value		Difference		Contractual Principal
	(In thousands)
Loans held for sale
March 31, 2026	$	19,714	$	(33)	$	19,747
December 31, 2025	9,031		127		8,904

- 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

Accumulated Other Comprehensive Loss ("AOCL") - Schedule of Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Changes in AOCIL [Roll Forward]
Balances at beginning of period	$ 502,951	$ 454,686
Other comprehensive income (loss) before reclassifications	(3,557)	2,265
Amounts reclassified from AOCL	221	596
Other comprehensive income (loss)	(3,336)	2,861
Balances at end of period	510,553	467,277
Accumulated Other Comprehensive Loss
Changes in AOCIL [Roll Forward]
Balances at beginning of period	(57,688)	(69,944)
Other comprehensive income (loss)	(3,336)	2,861
Balances at end of period	(61,024)	(67,083)
Unrealized Losses on Securities AFS
Changes in AOCIL [Roll Forward]
Balances at beginning of period	(40,254)	(49,301)
Other comprehensive income (loss) before reclassifications	(3,516)	1,260
Amounts reclassified from AOCL	21	261
Other comprehensive income (loss)	(3,495)	1,521
Balances at end of period	(43,749)	(47,780)
Unrealized Losses on Securities Transferred to Securities HTM
Changes in AOCIL [Roll Forward]
Balances at beginning of period	(10,256)	(12,775)
Other comprehensive income (loss) before reclassifications	567	637
Amounts reclassified from AOCL	0	0
Other comprehensive income (loss)	567	637
Balances at end of period	(9,689)	(12,138)
Dispropor- tionate Tax Effects from Securities AFS
Changes in AOCIL [Roll Forward]
Balances at beginning of period	(5,798)	(5,798)
Other comprehensive income (loss) before reclassifications	0	0
Amounts reclassified from AOCL	0	0
Other comprehensive income (loss)	0	0
Balances at end of period	(5,798)	(5,798)
Unrealized Losses on Derivative Instruments
Changes in AOCIL [Roll Forward]
Balances at beginning of period	(1,380)	(2,070)
Other comprehensive income (loss) before reclassifications	(608)	368
Amounts reclassified from AOCL	200	335
Other comprehensive income (loss)	(408)	703
Balances at end of period	$ (1,788)	$ (1,367)

Loans - Schedule of Financing Receivable, Current, Allowance for Credit Loss (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 63,445	$ 59,379	$ 59,379
Additions (deductions)
Provision for credit losses	540	724
Recoveries credited to the allowance	499	550
Loans charged against the allowance	(765)	(618)
Balance at end of period	63,719	60,035	63,445
Commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	29,012	22,872	22,872
Additions (deductions)
Provision for credit losses	189	1,379
Recoveries credited to the allowance	13	46
Loans charged against the allowance	(37)	0	0
Balance at end of period	29,177	24,297	29,012
Mortgage
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	20,914	22,317	22,317
Additions (deductions)
Provision for credit losses	93	(2,379)
Recoveries credited to the allowance	32	122
Loans charged against the allowance	(5)	(24)	(24)
Balance at end of period	21,034	20,036	20,914
Installment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	2,639	3,040	3,040
Additions (deductions)
Provision for credit losses	163	59
Recoveries credited to the allowance	454	382
Loans charged against the allowance	(723)	(594)	(594)
Balance at end of period	2,533	2,887	2,639
Subjective Allocation
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	10,880	11,150	11,150
Additions (deductions)
Provision for credit losses	95	1,665
Recoveries credited to the allowance	0	0
Loans charged against the allowance	0	0
Balance at end of period	$ 10,975	$ 12,815	$ 10,880

Revenue from Contracts with Customers

3 Months Ended

Mar. 31, 2026

Revenue from Contract with Customer [Abstract]

Revenue from Contracts with Customers

We account for revenue in accordance with ASC Topic 606, Revenue from Contracts with Customers. We derive the majority of our revenue from financial instruments and their related contractual rights and obligations which for the most part are excluded from the scope of this topic. These sources of revenue that are excluded from the scope of this topic include interest income, net gains on mortgage loans, net losses on securities AFS, mortgage loan servicing, net and bank owned life insurance and were approximately 88.8% and 88.5% of total revenues for the three month periods ending March 31, 2026 and 2025, respectively.

Material sources of revenue that are included in the scope of this topic include service charges on deposit accounts, other deposit related income, interchange income and investment and insurance commissions and are discussed in the following

paragraphs. Generally these sources of revenue are earned at the time the service is delivered or over the course of a monthly period and do not result in any contract asset or liability balance at any given period end. As a result, there were no contract assets or liabilities recorded as of March 31, 2026 and December 31, 2025.

Service charges on deposit accounts and other deposit related income: Revenues are earned on depository accounts for commercial and retail customers and include fees for transaction-based, account maintenance and overdraft services. Transaction-based fees, which includes services such as ATM use fees, stop payment charges and ACH fees are recognized at the time the transaction is executed as that is the time we fulfill our customer’s request. Account maintenance fees, which includes monthly maintenance services are earned over the course of a month representing the period over which the performance obligation is satisfied. Our obligation for overdraft services is satisfied at the time of the overdraft.

Interchange income: Interchange income primarily includes debit card interchange and network revenues. Debit card interchange and network revenues are earned on debit card transactions conducted through payment networks such as MasterCard and Accel. Interchange income is recognized concurrently with the delivery of services on a daily basis. Interchange and network revenues are presented gross of interchange expenses, which are presented separately as a component of non-interest expense.

Investment and insurance commissions: Investment and insurance commissions include fees and commissions from asset management, custody, recordkeeping, investment advisory and other services provided to our customers. Revenue is recognized on an accrual basis at the time the services are performed and generally based on either the market value of the assets managed or the services provided. We have an agent relationship with a third party provider of these services and net certain direct costs charged by the third party provider associated with providing these services to our customers.

Net (gains) losses on other real estate and repossessed assets: We record a gain or loss from the sale of other real estate when control of the property transfers to the buyer, which generally occurs at the time of an executed deed. If we were to finance the sale of other real estate to the buyer, we would assess whether the buyer is committed to perform their obligations under the contract and whether collectability of the transaction is probable. Once these criteria are met, the other real estate asset would be derecognized and the gain or loss on sale would be recorded upon the transfer of control of the property to the buyer. There were no other real estate properties sold during the three month periods ending March 31, 2026 and 2025 that were financed by us.



	Service Charges on Deposit Accounts		Other Deposit Related Income		Interchange Income		Investment and Insurance Commissions		Total
Three months ending March 31, 2026	(In thousands)
Retail
Overdraft fees	$	2,098	$	—	$	—	$	—	$	2,098
Account service charges	723		—		—		—		723
ATM fees	—		343		—		—		343
Other	—		143		—		—		143
Business
Overdraft fees	114		—		—		—		114
ATM fees	—		10		—		—		10
Other	—		114		—		—		114
Interchange income	—		—		3,234		—		3,234
Asset management revenue	—		—		—		424		424
Transaction based revenue	—		—		—		385		385

Total	$	2,935	$	610	$	3,234	$	809	$	7,588

Reconciliation to interim Condensed Consolidated Statement of Operations:
Non-interest income - other:
Other deposit related income									$	610
Investment and insurance commissions									809
Bank owned life insurance (1)									322
Other (1)									1,210
Total									$	2,951

(1)Excluded from the scope of ASC Topic 606.



	Service Charges on Deposit Accounts		Other Deposit Related Income		Interchange Income		Investment and Insurance Commissions		Total
Three months ending March 31, 2025	(In thousands)
Retail
Overdraft fees	$	2,108	$	—	$	—	$	—	$	2,108
Account service charges	593		—		—		—		593
ATM fees	—		355		—		—		355
Other	—		184		—		—		184
Business
Overdraft fees	113		—		—		—		113
ATM fees	—		10		—		—		10
Other	—		99		—		—		99
Interchange income	—		—		3,127		—		3,127
Asset management revenue	—		—		—		410		410
Transaction based revenue	—		—		—		343		343

Total	$	2,814	$	648	$	3,127	$	753	$	7,342

Reconciliation to interim Condensed Consolidated Statement of Operations:
Non-interest income - other:
Other deposit related income									$	648
Investment and insurance commissions									753
Bank owned life insurance (1)									296
Other (1)									1,449
Total									$	3,146

(1)Excluded from the scope of ASC Topic 606.

- 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

Securities - Schedule of Debt Securities, Available-for-Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Debt Securities, Available-for-Sale
Total securities available-for-sale, amortized cost	$ 537,672	$ 546,863
Debt securities, available-for-sale, unrealized gains	426	430
Debt securities, available-for-sale, unrealized losses	55,803	51,384
Fair Value	482,295	495,909
U.S. agency
Debt Securities, Available-for-Sale
Total securities available-for-sale, amortized cost	7,678	8,320
Debt securities, available-for-sale, unrealized gains	1	1
Debt securities, available-for-sale, unrealized losses	428	404
Fair Value	7,251	7,917
U.S. agency residential mortgage-backed
Debt Securities, Available-for-Sale
Total securities available-for-sale, amortized cost	92,239	87,435
Debt securities, available-for-sale, unrealized gains	155	136
Debt securities, available-for-sale, unrealized losses	6,906	6,506
Fair Value	85,488	81,065
U.S. agency commercial mortgage-backed
Debt Securities, Available-for-Sale
Total securities available-for-sale, amortized cost	7,846	8,039
Debt securities, available-for-sale, unrealized gains	0	0
Debt securities, available-for-sale, unrealized losses	879	853
Fair Value	6,967	7,186
Private label mortgage-backed
Debt Securities, Available-for-Sale
Total securities available-for-sale, amortized cost	39,248	42,689
Debt securities, available-for-sale, unrealized gains	239	260
Debt securities, available-for-sale, unrealized losses	2,380	2,443
Fair Value	37,107	40,506
Other asset backed
Debt Securities, Available-for-Sale
Total securities available-for-sale, amortized cost	29,357	30,633
Debt securities, available-for-sale, unrealized gains	29	31
Debt securities, available-for-sale, unrealized losses	447	479
Fair Value	28,939	30,185
Obligations of states and political subdivisions
Debt Securities, Available-for-Sale
Total securities available-for-sale, amortized cost	316,538	319,402
Debt securities, available-for-sale, unrealized gains	1	0
Debt securities, available-for-sale, unrealized losses	42,979	39,000
Fair Value	273,560	280,402
Corporate
Debt Securities, Available-for-Sale
Total securities available-for-sale, amortized cost	43,775	49,355
Debt securities, available-for-sale, unrealized gains	1	2
Debt securities, available-for-sale, unrealized losses	1,777	1,696
Fair Value	41,999	47,661
Trust preferred
Debt Securities, Available-for-Sale
Total securities available-for-sale, amortized cost	991	990
Debt securities, available-for-sale, unrealized gains	0	0
Debt securities, available-for-sale, unrealized losses	7	3
Fair Value	$ 984	$ 987

Securities - Narrative (Details)	3 Months Ended
Securities - Narrative (Details)	Mar. 31, 2026 USD ($) security	Mar. 31, 2025 USD ($)	Dec. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)
Debt Securities, Available-for-Sale [Line Items]
Debt securities, available-for-sale, allowance for credit loss	$ 0	$ 0	$ 0
Debt securities, available-for-sale, accrued interest receivable	$ 3,000,000.0		$ 3,500,000
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other Assets		Other Assets
Schedule of Held-to-Maturity Securities [Line Items]
Debt securities, held-to-maturity, accrued interest, after allowance for credit loss	$ 1,600,000		$ 1,500,000
Debt Securities, Held-to-Maturity, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other Assets		Other Assets
Debt securities, held-to-maturity, allowance for credit loss	$ 92,000	129,000	$ 92,000	$ 132,000
Tax benefit on net realized losses	$ 10,000.00	70,000.00
U.S. agency
Debt Securities, Available-for-Sale [Line Items]
Debt securities, available-for-sale, unrealized loss position, number of positions \| security	29
Schedule of Held-to-Maturity Securities [Line Items]
Debt securities, held-to-maturity, allowance for credit loss	$ 0		0
U.S. agency residential mortgage-backed
Debt Securities, Available-for-Sale [Line Items]
Debt securities, available-for-sale, unrealized loss position, number of positions \| security	95
Schedule of Held-to-Maturity Securities [Line Items]
Debt securities, held-to-maturity, allowance for credit loss	$ 0		0
U.S. agency commercial mortgage-backed
Debt Securities, Available-for-Sale [Line Items]
Debt securities, available-for-sale, unrealized loss position, number of positions \| security	8
Schedule of Held-to-Maturity Securities [Line Items]
Debt securities, held-to-maturity, allowance for credit loss	$ 0		0
Private label mortgage-backed
Debt Securities, Available-for-Sale [Line Items]
Debt securities, available-for-sale, unrealized loss position, number of positions \| security	46
Schedule of Held-to-Maturity Securities [Line Items]
Debt securities, held-to-maturity, allowance for credit loss	$ 2,000	1,000	2,000	1,000
Other asset backed
Debt Securities, Available-for-Sale [Line Items]
Debt securities, available-for-sale, unrealized loss position, number of positions \| security	39
Corporate
Debt Securities, Available-for-Sale [Line Items]
Debt securities, available-for-sale, unrealized loss position, number of positions \| security	49
Schedule of Held-to-Maturity Securities [Line Items]
Debt securities, held-to-maturity, allowance for credit loss	$ 67,000	108,000	67,000	111,000
Obligations of states and political subdivisions
Debt Securities, Available-for-Sale [Line Items]
Debt securities, available-for-sale, unrealized loss position, number of positions \| security	283
Schedule of Held-to-Maturity Securities [Line Items]
Debt securities, held-to-maturity, allowance for credit loss	$ 19,000	17,000	19,000	17,000
Trust preferred
Debt Securities, Available-for-Sale [Line Items]
Debt securities, available-for-sale, unrealized loss position, number of positions \| security	1
Schedule of Held-to-Maturity Securities [Line Items]
Debt securities, held-to-maturity, allowance for credit loss	$ 4,000	$ 3,000	$ 4,000	$ 3,000

Pending Acquisition (Details) - USD ($) $ in Thousands	3 Months Ended
Pending Acquisition (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025	Dec. 31, 2024
Business Combination [Line Items]
Merger related expense		$ 300	$ 0
Total assets		5,557,509	5,328,428	$ 5,505,720
Total loans		4,244,380		4,212,840
Deposits		4,880,680		4,761,682
Total shareholders' equity		510,553	$ 467,277	$ 502,951	$ 454,686
HCB Financial Corp.
Business Combination [Line Items]
Total assets		597,200
Total loans		369,900
Deposits		545,800
Total shareholders' equity		47,500
HCB Financial Corp.
Business Combination [Line Items]
Merger related expense		$ 300
HCB Financial Corp. \| Forecast
Business Combination [Line Items]
Merger consideration	$ 70,200
Termination fee	$ 3,250

Fair Values of Financial Instruments

3 Months Ended

Mar. 31, 2026

Fair Values of Financial Instruments [Abstract]

Fair Values of Financial Instruments

Most of our assets and liabilities are considered financial instruments. Many of these financial instruments lack an available trading market and it is our general practice and intent to hold the majority of our financial instruments to maturity. Significant estimates and assumptions were used to determine the fair value of financial instruments. These estimates are subjective in nature, involving uncertainties and matters of judgment, and therefore, fair values may not be a precise estimate. Changes in assumptions could significantly affect the estimates.

Estimated fair values have been determined using available data and methodologies that are considered suitable for each category of financial instrument. For instruments with adjustable interest rates which reprice frequently and without significant credit risk, it is presumed that estimated fair values approximate the recorded book balances.

The estimated recorded book balances and fair values follow:


					Fair Value Using
	Recorded Book Balance		Fair Value		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Un- observable Inputs (Level 3)
	(In thousands)
March 31, 2026
Assets
Cash and due from banks	$	48,475	$	48,475	$	48,475	$	—	$	—
Interest bearing deposits	126,440		126,440		126,440		—		—
Securities available for sale	482,295		482,295		—		482,295		—
Securities held to maturity	301,007		271,452		—		271,452		—
Federal Home Loan Bank and Federal
Reserve Bank Stock	18,102		NA		NA		NA		NA
Net loans and loans held for sale	4,264,094		4,079,140		—		19,714		4,059,426
Accrued interest receivable	18,864		18,864		117		4,669		14,078
Derivative financial instruments	26,970		26,970		—		26,970		—

Liabilities
Deposits with no stated maturity (1)	$	4,052,869	$	4,052,869	$	4,052,869	$	—	$	—
Deposits with stated maturity (1)	827,811		825,762		—		825,762		—
Other borrowings	27,010		26,689		—		26,689		—

Subordinated debentures	39,881		40,093		—		40,093		—
Accrued interest payable	2,274		2,274		319		1,955		—
Derivative financial instruments	15,575		15,575		—		15,575		—

December 31, 2025
Assets
Cash and due from banks	$	52,235	$	52,235	$	52,235	$	—	$	—
Interest bearing deposits	86,152		86,152		86,152		—		—
Securities available for sale	495,909		495,909		—		495,909		—
Securities held to maturity	309,523		282,830		—		282,830		—
Federal Home Loan Bank and Federal
Reserve Bank Stock	18,102		NA		NA		NA		NA
Net loans and loans held for sale	4,221,871		4,062,200		—		9,031		4,053,169
Accrued interest receivable	19,030		19,030		35		5,043		13,952
Derivative financial instruments	29,584		29,584		—		29,584		—

Liabilities
Deposits with no stated maturity (1)	$	3,967,941	$	3,967,941	$	3,967,941	$	—	$	—
Deposits with stated maturity (1)	793,741		791,598		—		791,598		—
Other borrowings	77,003		76,680		—		76,680		—

Subordinated debentures	39,864		39,761		—		39,761		—
Accrued interest payable	1,892		1,892		316		1,576		—
Derivative financial instruments	19,551		19,551		—		19,551		—


(1)			Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $915.326 million and $862.697 million at March 31, 2026 and December 31, 2025, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $113.548 million and $112.224 million at March 31, 2026 and December 31, 2025, respectively.

The fair values for commitments to extend credit and standby letters of credit are estimated to approximate their aggregate book balance, which is nominal and therefore are not disclosed.

Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale the entire holdings of a particular financial instrument.

Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business, the value of future earnings attributable to off-balance sheet activities and the value of assets and liabilities that are not considered financial instruments.

Fair value estimates for deposit accounts do not include the value of the core deposit intangible asset resulting from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market.

Shareholders' Equity and Earnings Per Common Share (Tables)

3 Months Ended

Mar. 31, 2026

Stockholders' Equity Note [Abstract]

Schedule of Reconciliation of Basic and Diluted Net Income Per Common Share

A reconciliation of basic and diluted net income per common share follows:


	Three Months Ended March 31,
	2026		2025
	(In thousands, except per share data)
Net income	$	16,875	$	15,590

Weighted average shares outstanding (1)	20,575		20,943
Stock units for deferred compensation plan for non-employee directors	179		177
Performance share units	25		28
Effect of stock options	1		2
Weighted average shares outstanding for calculation of diluted earnings per share	20,780		21,150

Net income per common share
Basic (1)	$	0.82	$	0.74
Diluted	$	0.81	$	0.74

(1)Basic net income per common share includes weighted average common shares outstanding during the period.

Loans

3 Months Ended

Mar. 31, 2026

Receivables [Abstract]

Loans

We estimate the ACL based on relevant available information from both internal and external sources, including historical loss trends, current conditions and forecasts, specific analysis of individual loans, and other relevant and appropriate factors. The ACL process is designed to provide for expected future losses based on our reasonable and supportable (“R&S”) forecast as of the reporting date. Our ACL process is administered by our Risk Management group utilizing a third party software solution, with significant input and ultimate approval from our Executive Enterprise Risk Committee. Further, we have established a current expected credit loss ("CECL") Forecast Committee, which includes a cross discipline structure with membership from Executive Management, Risk Management, Credit Administration and Accounting, which approves ACL model assumptions each quarter. Our ACL is comprised of three principal elements: (i) specific analysis of individual loans identified during the review of the loan portfolio, (ii) pooled analysis of loans with similar risk characteristics based on historical experience, adjusted for current conditions, R&S forecasts, and expected prepayments, and (iii) additional allowances based on subjective factors, including local and general economic business factors and trends, portfolio concentrations and changes in the size and/or the general terms of the loan portfolio.

The first ACL element (specific allocations) includes loans that do not share similar risk characteristics and are evaluated on an individual basis. We will typically evaluate on an individual basis loans that are on nonaccrual; commercial loans that have been modified resulting in a concession, for which the borrower is experiencing financial difficulties, and which are considered loan modifications or with well defined weaknesses; and severely delinquent mortgage and installment loans. When we determine that foreclosure is probable or when repayment is expected to be provided substantially through the operation or sale of underlying collateral, expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for estimated selling costs. For loans evaluated on an individual basis that are not determined to be collateral dependent, a discounted cash flow analysis is performed to determine expected credit losses.

The second ACL element (pooled analysis) includes loans with similar risk characteristics, which are broken down by segment, class, and risk metric. The Bank’s primary segments of commercial, mortgage, and installment loans are further classified by other relevant attributes, such as collateral type, lien position, occupancy status, amortization method, and balance size. Commercial classes are additionally segmented by risk rating, and mortgage and installment loan classes by credit score tier, which are updated at least semi-annually.

We utilize a discounted cash flow (“DCF”) model to estimate expected future losses for pooled loans. Expected future cash flows are developed from payment schedules over the contractual term, adjusted for forecasted default (probability of default), loss, and prepayment assumptions. We are not required to develop forecasts over the full contractual term of the financial asset or group of financial assets. Rather, for periods beyond which we are able to make or obtain R&S forecasts of expected credit losses, we revert to the long term average on a straight line or immediate basis, as determined by our CECL Forecast Committee, and which may vary depending on the economic outlook and uncertainty.

The DCF model for the mortgage and installment pooled loan segments includes using probability of default (“PD”) assumptions that are derived through regression analysis with forecasted US unemployment levels by credit score tier. We review a composite forecast of approximately 50 analysts as well as the Federal Open Market Committee (“FOMC”) projections in setting the unemployment forecast for the R&S period. The current ACL utilizes a one year R&S forecast followed by immediate reversion to the 75 year average unemployment rate. PD assumptions for the remaining segments are based primarily on historical rates by risk metric as defaults were not strongly correlated with any economic indicator. Loss given default (“LGD”) assumptions for the mortgage loan segment are based on a two year forecast followed by a two year straight line reversion period to the longer term average, while LGD rates for the remaining segments are the historical average for the entire period. Prepayment assumptions represent average rates per segment for a period determined by the CECL Forecast Committee and as calculated through the Bank’s Asset and Liability Management program.

Pooled reserves for the commercial loan segment are calculated using the DCF model with assumptions generally based on historical averages by class and risk rating. Effective risk rating practices allow for strong predictability of defaults and losses over the portfolio’s expected shorter duration, relative to mortgage and installment loans. Our rating system is similar to those employed by state and federal banking regulators.

The third ACL element (additional allocations based on subjective factors) is based on factors that cannot be associated with a specific credit or loan category and reflects our attempt to ensure that the overall ACL appropriately reflects a margin for the imprecision necessarily inherent in the estimates of expected credit losses. We adjust our quantitative model for certain qualitative factors to reflect the extent to which management expects current conditions and R&S forecasts to differ from the conditions that existed for the period over which historical information was evaluated. The qualitative framework reflects changes related to relevant data, such as changes in asset quality trends, portfolio growth and

composition, national and local economic factors, credit policy and administration and other factors not considered in the base quantitative model. We utilize a survey completed by business unit management throughout the Bank, as well as discussion with the CECL Forecast Committee to establish reserves under the qualitative framework.

An analysis of the ACL by portfolio segment for the three months ended March 31, follows:


	Commercial		Mortgage		Installment		Subjective Allocation		Total
	(In thousands)
2026
Balance at beginning of period	$	29,012	$	20,914	$	2,639	$	10,880	$	63,445
Additions (deductions)
Provision for credit losses	189		93		163		95		540
Recoveries credited to the allowance	13		32		454		—		499
Loans charged against the allowance	(37)		(5)		(723)		—		(765)
Balance at end of period	$	29,177	$	21,034	$	2,533	$	10,975	$	63,719

2025
Balance at beginning of period	$	22,872	$	22,317	$	3,040	$	11,150	$	59,379
Additions (deductions)
Provision for credit losses	1,379		(2,379)		59		1,665		724
Recoveries credited to the allowance	46		122		382		—		550
Loans charged against the allowance	—		(24)		(594)		—		(618)
Balance at end of period	$	24,297	$	20,036	$	2,887	$	12,815	$	60,035

Loans on non-accrual status and past due more than 90 days (“Non-performing Loans”) follow:


	Non- Accrual with no Allowance for Credit Loss		Non- Accrual with an Allowance for Credit Loss		Total Non- Accrual		90+ and Still Accruing		Total Non- Performing Loans
	(In thousands)
March 31, 2026
Commercial
Commercial and industrial	$	—	$	67	$	67	$	—	$	67
Commercial real estate (1)	12,696		7,224		19,920		—		19,920
Mortgage
1-4 family owner occupied - jumbo	2,789		—		2,789		—		2,789
1-4 family owner occupied - non-jumbo (2)	1,366		1,181		2,547		—		2,547
1-4 family non-owner occupied	—		199		199		—		199
1-4 family - 2nd lien	465		784		1,249		—		1,249
Resort lending	—		57		57		—		57
Installment
Boat lending	—		273		273		—		273
Recreational vehicle lending	—		284		284		—		284
Other	—		188		188		—		188
Total	$	17,316	$	10,257	$	27,573	$	—	$	27,573

Accrued interest excluded from total	$	—	$	—	$	—	$	—	$	—

December 31, 2025
Commercial
Commercial and industrial	$	—	$	—	$	—	$	—	$	—
Commercial real estate (1)	9,261		7,252		16,513		—		16,513
Mortgage
1-4 family owner occupied - jumbo	2,145		—		2,145		—		2,145
1-4 family owner occupied - non-jumbo (2)	1,700		670		2,370		—		2,370
1-4 family non-owner occupied	—		94		94		—		94
1-4 family - 2nd lien	200		888		1,088		—		1,088
Resort lending	—		57		57		—		57
Installment
Boat lending	—		308		308		—		308
Recreational vehicle lending	—		354		354		—		354
Other	—		198		198		—		198
Total	$	13,306	$	9,821	$	23,127	$	—	$	23,127

Accrued interest excluded from total	$	—	$	—	$	—	$	—	$	—

(1)Non-performing commercial real estate loans exclude $7.090 million and $7.018 million of government guaranteed loans at March 31, 2026 and December 31, 2025, respectively.

(2)Non-performing 1-4 family owner occupied – non jumbo loans exclude $3.112 million and $2.929 million of government guaranteed loans at March 31, 2026 and December 31, 2025, respectively.

The following table provides collateral information by class of loan for collateral-dependent loans with specific allocations of the ACL. A loan is considered to be collateral dependent when the borrower is experiencing financial difficulty and the repayment is expected to be provided substantially through the operation or sale of collateral.

The amortized cost of collateral-dependent loans by class follows:


	Collateral Type				Allowance for Credit Losses
	Real Estate		Other (1)
	(In thousands)
March 31, 2026
Commercial
Commercial and industrial	$	673	$	9,740	$	1,302
Commercial real estate	28,024		—		5,093
Mortgage
1-4 family owner occupied - jumbo	2,790		—		—
1-4 family owner occupied - non-jumbo	2,190		—		253
1-4 family non-owner occupied	121		—		43
1-4 family - 2nd lien	879		—		147
Resort lending	57		—		20
Installment
Boat lending	—		86		31
Recreational vehicle lending	—		546		159
Other	—		81		29
Total	$	34,734	$	10,453	$	7,077

Accrued interest excluded from total	$	18	$	64

December 31, 2025
Commercial
Commercial and industrial	$	680	$	8,841	$	1,631
Commercial real estate	28,047		—		4,541
Mortgage
1-4 family owner occupied - jumbo	2,147		—		—
1-4 family owner occupied - non-jumbo	2,371		—		239
1-4 family non-owner occupied	22		—		8
1-4 family - 2nd lien	569		—		131
Resort lending	57		—		20
Installment
Boat lending	—		233		83
Recreational vehicle lending	—		237		84
Other	—		109		39
Total	$	33,893	$	9,420	$	6,776

Accrued interest excluded from total	$	73	$	54

(1) Commercial and industrial loan collateral generally includes machinery and equipment, accounts receivable, and inventory.

An aging analysis of loans by class follows:


	Loans Past Due								Loans not Past Due		Total Loans
	30-59 days		60-89 days		90+ days		Total
	(In thousands)
March 31, 2026
Commercial
Commercial and industrial	$	67	$	—	$	—	$	67	$	1,205,123	$	1,205,190
Commercial real estate	3,991		—		27,022		31,013		1,031,166		1,062,179
Mortgage
1-4 family owner occupied - jumbo	—		1,535		2,153		3,688		879,601		883,289
1-4 family owner occupied - non-jumbo	160		1,122		1,301		2,583		275,975		278,558
1-4 family non-owner occupied	48		309		42		399		174,109		174,508
1-4 family - 2nd lien	880		374		383		1,637		156,600		158,237
Resort lending	—		—		57		57		25,709		25,766
Installment
Boat lending	348		74		75		497		267,286		267,783
Recreational vehicle lending	1,014		210		159		1,383		182,112		183,495
Other	288		62		64		414		68,680		69,094
Total	$	6,796	$	3,686	$	31,256	$	41,738	$	4,266,361	$	4,308,099

Accrued interest excluded from total	$	71	$	42	$	—	$	113	$	13,965	$	14,078

December 31, 2025
Commercial
Commercial and industrial	$	—	$	—	$	—	$	—	$	1,158,841	$	1,158,841
Commercial real estate	—		22,988		3,900		26,888		1,027,828		1,054,716
Mortgage
1-4 family owner occupied - jumbo	716		660		2,164		3,540		875,221		878,761
1-4 family owner occupied - non-jumbo	1,381		757		1,301		3,439		286,123		289,562
1-4 family non-owner occupied	119		29		22		170		172,123		172,293
1-4 family - 2nd lien	270		235		460		965		156,632		157,597
Resort lending	—		—		57		57		26,551		26,608
Installment
Boat lending	287		200		242		729		271,783		272,512
Recreational vehicle lending	550		205		230		985		190,872		191,857
Other	475		74		58		607		72,931		73,538
Total	$	3,798	$	25,148	$	8,434	$	37,380	$	4,238,905	$	4,276,285
Accrued interest excluded from total	$	37	$	78	$	—	$	115	$	13,837	$	13,952

During the three months ended March 31, 2026 there were no loans modified to a borrower experiencing financial difficulty.

During the three months ended March 31, 2025 there were two mortgage - 1-4 family owner occupied - non-jumbo loans modified to borrowers experiencing financial difficulty totaling $0.11 million (0.1% of the total loan class). Both of the loan modifications to borrowers experiencing financial difficulty during the three months ended March 31, 2025 related to term extensions and added a weighted average of 12.0 years to the life of the loans. One of the loans modified during the three months ended March 31, 2025 also received a 4.75% interest rate reduction. Both of the loans modified during the three months ended March 31, 2025 were on non-accrual status.

As of March 31, 2026, none of the loans that were modified to borrowers experiencing financial difficulty within the past 12 months have subsequently defaulted.

A loan is generally considered to be in payment default once it is 90 days contractually past due under the modified terms for commercial loans and installment loans and when four consecutive payments are missed for mortgage loans.

In order to determine whether a borrower is experiencing financial difficulty, we perform an evaluation of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under our internal underwriting policy.

Credit Quality Indicators – As part of our on-going monitoring of the credit quality of our loan portfolios, we track certain credit quality indicators including (a) risk grade of commercial loans, (b) the level of classified commercial loans, (c) credit scores of mortgage and installment loan borrowers, and (d) delinquency history and non-performing loans.

For commercial loans, we use a loan rating system that is similar to those employed by state and federal banking regulators. Loans are graded on a scale of 1 to 12. A description of the general characteristics of the ratings follows:

Rating 1 through 6: These loans are generally referred to as our “non-watch” commercial credits that include very high or exceptional credit fundamentals through acceptable credit fundamentals.

Rating 7 and 8: These loans are generally referred to as our “watch” commercial credits. These ratings include loans to borrowers that exhibit potential credit weakness or downward trends. If not checked or cured these trends could weaken our asset or credit position. While potentially weak, no loss of principal or interest is envisioned with these ratings.

Rating 9: These loans are generally referred to as our “substandard accruing” commercial credits. This rating includes loans to borrowers that exhibit a well-defined weakness where payment default is probable and loss is possible if deficiencies are not corrected. Generally, loans with this rating are considered collectible as to both principal and interest primarily due to collateral coverage.

Rating 10 and 11: These loans are generally referred to as our ‘‘substandard - non-accrual’’ and ‘‘doubtful’’ commercial credits. These ratings include loans to borrowers with weaknesses that make collection of the loan in full, on the basis of current facts, conditions and values at best questionable and at worst improbable. All of these loans are placed in non-accrual.

Rating 12: These loans are generally referred to as our “loss” commercial credits. This rating includes loans to borrowers that are deemed incapable of repayment and are charged-off.

The following tables summarize loan ratings by loan class for our commercial portfolio loan segment at March 31, 2026 and December 31, 2025:


	Commercial
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2026		2025		2024		2023		2022		Prior
	(In thousands)
March 31, 2026
Commercial and industrial
Non-watch (1-6)	$	52,640	$	218,751	$	186,995	$	114,724	$	108,642	$	137,169	$	333,019	$	1,151,940
Watch (7-8)	—		506		5,429		17,029		2,136		8,459		9,277		42,836
Substandard Accrual (9)	—		537		1,575		—		—		1,007		7,228		10,347
Non-Accrual (10-11)	—		—		—		—		—		67		—		67
Total	$	52,640	$	219,794	$	193,999	$	131,753	$	110,778	$	146,702	$	349,524	$	1,205,190
Accrued interest excluded from total	$	200	$	683	$	628	$	531	$	277	$	417	$	1,198	$	3,934
Current period gross charge-offs	$	—	$	—	$	—	$	37	$	—	$	—	$	—	$	37

Commercial real estate
Non-watch (1-6)	$	41,588	$	225,842	$	161,892	$	171,294	$	149,050	$	202,822	$	59,336	$	1,011,824
Watch (7-8)	—		1,270		1,314		4,132		13,841		1,771		625		22,953
Substandard Accrual (9)	—		—		—		392		—		—		—		392
Non-Accrual (10-11)	—		8,246		490		18,274		—		—		—		27,010
Total	$	41,588	$	235,358	$	163,696	$	194,092	$	162,891	$	204,593	$	59,961	$	1,062,179
Accrued interest excluded from total	$	103	$	636	$	554	$	495	$	524	$	602	$	222	$	3,136
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Total Commercial
Non-watch (1-6)	$	94,228	$	444,593	$	348,887	$	286,018	$	257,692	$	339,991	$	392,355	$	2,163,764
Watch (7-8)	—		1,776		6,743		21,161		15,977		10,230		9,902		65,789
Substandard Accrual (9)	—		537		1,575		392		—		1,007		7,228		10,739
Non-Accrual (10-11)	—		8,246		490		18,274		—		67		—		27,077
Total	$	94,228	$	455,152	$	357,695	$	325,845	$	273,669	$	351,295	$	409,485	$	2,267,369
Accrued interest excluded from total	$	303	$	1,319	$	1,182	$	1,026	$	801	$	1,019	$	1,420	$	7,070
Current period gross charge-offs	$	—	$	—	$	—	$	37	$	—	$	—	$	—	$	37


	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2025		2024		2023		2022		2021		Prior
	(In thousands)
December 31, 2025
Commercial and industrial
Non-watch (1-6)	$	199,338	$	188,309	$	131,090	$	115,518	$	45,116	$	140,699	$	300,540	$	1,120,610
Watch (7-8)	501		1,911		4,330		2,705		2,052		8,360		8,848		28,707
Substandard Accrual (9)	940		1,710		—		—		820		275		5,779		9,524
Non-Accrual (10-11)	—		—		—		—		—		—		—		—
Total	$	200,779	$	191,930	$	135,420	$	118,223	$	47,988	$	149,334	$	315,167	$	1,158,841
Accrued interest excluded from total	$	564	$	570	$	477	$	288	$	95	$	418	$	1,139	$	3,551
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate
Non-watch (1-6)	$	204,584	$	162,957	$	167,203	$	159,948	$	66,116	$	184,907	$	56,611	$	1,002,326
Watch (7-8)	—		823		4,162		13,887		—		4,840		625		24,337
Substandard Accrual (9)	3,348		—		396		—		126		652		—		4,522
Non-Accrual (10-11)	4,878		490		18,163		—		—		—		—		23,531
Total	$	212,810	$	164,270	$	189,924	$	173,835	$	66,242	$	190,399	$	57,236	$	1,054,716
Accrued interest excluded from total	$	695	$	555	$	494	$	624	$	141	$	703	$	138	$	3,350
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Total Commercial
Non-watch (1-6)	$	403,922	$	351,266	$	298,293	$	275,466	$	111,232	$	325,606	$	357,151	$	2,122,936
Watch (7-8)	501		2,734		8,492		16,592		2,052		13,200		9,473		53,044
Substandard Accrual (9)	4,288		1,710		396		—		946		927		5,779		14,046
Non-Accrual (10-11)	4,878		490		18,163		—		—		—		—		23,531
Total	$	413,589	$	356,200	$	325,344	$	292,058	$	114,230	$	339,733	$	372,403	$	2,213,557
Accrued interest excluded from total	$	1,259	$	1,125	$	971	$	912	$	236	$	1,121	$	1,277	$	6,901
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

The following tables summarize credit scores by loan class for our mortgage and installment loan portfolio segments at March 31, 2026 and December 31, 2025:


	Mortgage (1)
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2026		2025		2024		2023		2022		Prior
	(In thousands)
March 31, 2026
1-4 family owner occupied - jumbo
800 and above	$	4,459	$	11,810	$	3,017	$	13,173	$	40,462	$	89,007	$	1,544	$	163,472
750-799	12,518		53,298		30,763		21,667		88,661		238,470		—		445,377
700-749	2,996		18,325		11,069		11,234		32,699		97,752		520		174,595
650-699	1,849		9,498		4,460		7,513		15,669		29,585		1,466		70,040
600-649	—		1,264		863		1,567		1,168		7,354		—		12,216
550-599	—		—		—		—		5,137		4,646		—		9,783
500-549	—		—		—		1,269		3,921		2,616		—		7,806
Under 500	—		—		—		—		—		—		—		—
Unknown	—		—		—		—		—		—		—		—
Total	$	21,822	$	94,195	$	50,172	$	56,423	$	187,717	$	469,430	$	3,530	$	883,289
Accrued interest excluded from total	$	41	$	462	$	246	$	294	$	555	$	1,132	$	12	$	2,742
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

1-4 family owner occupied - non-jumbo
800 and above	$	1,815	$	770	$	2,067	$	3,701	$	12,692	$	23,827	$	6,243	$	51,115
750-799	2,938		818		5,080		9,171		26,731		51,504		13,819		110,061
700-749	826		1,512		4,965		3,471		9,264		30,644		6,175		56,857
650-699	663		1,605		786		1,956		5,013		16,847		1,730		28,600
600-649	—		240		251		213		2,656		10,390		216		13,966
550-599	—		—		—		380		1,562		7,144		41		9,127
500-549	—		—		—		—		290		5,897		55		6,242
Under 500	—		—		85		—		595		1,910		—		2,590
Unknown	—		—		—		—		—		—		—		—
Total	$	6,242	$	4,945	$	13,234	$	18,892	$	58,803	$	148,163	$	28,279	$	278,558
Accrued interest excluded from total	$	8	$	123	$	68	$	80	$	188	$	466	$	183	$	1,116
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	5	$	—	$	5

1-4 family non-owner occupied
800 and above	$	449	$	3,846	$	1,085	$	3,095	$	3,376	$	20,022	$	670	$	32,543
750-799	5,121		12,300		11,939		9,417		12,155		45,577		1,320		97,829
700-749	952		4,586		2,361		1,102		2,538		11,852		1,609		25,000
650-699	—		1,041		1,260		536		2,694		9,477		341		15,349
600-649	—		—		707		—		76		1,431		—		2,214
550-599	182		—		—		—		367		682		—		1,231
500-549	—		—		—		—		—		300		—		300
Under 500	—		—		—		—		—		42		—		42
Unknown	—		—		—		—		—		—		—		—
Total	$	6,704	$	21,773	$	17,352	$	14,150	$	21,206	$	89,383	$	3,940	$	174,508
Accrued interest excluded from total	$	11	$	94	$	103	$	67	$	82	$	281	$	23	$	661
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


	Mortgage - continued (1)
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2026		2025		2024		2023		2022		Prior
	(In thousands)
March 31, 2026 - continued
1-4 family - 2nd lien
800 and above	$	80	$	1,206	$	362	$	347	$	440	$	2,128	$	16,602	$	21,165
750-799	92		2,853		2,411		1,798		1,441		5,519		58,674		72,788
700-749	—		2,431		1,399		1,357		1,573		3,870		29,934		40,564
650-699	—		831		433		434		445		1,766		11,469		15,378
600-649	—		—		141		72		192		794		2,190		3,389
550-599	—		20		41		224		71		737		1,715		2,808
500-549	—		—		24		400		108		713		424		1,669
Under 500	—		—		—		153		84		214		25		476
Unknown	—		—		—		—		—		—		—		—
Total	$	172	$	7,341	$	4,811	$	4,785	$	4,354	$	15,741	$	121,033	$	158,237
Accrued interest excluded from total	$	1	$	24	$	19	$	20	$	17	$	50	$	729	$	860
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Resort lending
800 and above	$	—	$	—	$	—	$	—	$	—	$	4,521	$	—	$	4,521
750-799	76		120		—		21		363		10,442		—		11,022
700-749	—		—		—		—		—		3,864		—		3,864
650-699	—		—		—		—		—		5,066		—		5,066
600-649	—		—		—		—		—		940		—		940
550-599	—		—		—		—		—		—		—		—
500-549	—		—		—		—		—		353		—		353
Under 500	—		—		—		—		—		—		—		—
Unknown	—		—		—		—		—		—		—		—
Total	$	76	$	120	$	—	$	21	$	363	$	25,186	$	—	$	25,766
Accrued interest excluded from total	$	—	$	1	$	—	$	—	$	1	$	117	$	—	$	119
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Total Mortgage
800 and above	$	6,803	$	17,632	$	6,531	$	20,316	$	56,970	$	139,505	$	25,059	$	272,816
750-799	20,745		69,389		50,193		42,074		129,351		351,512		73,813		737,077
700-749	4,774		26,854		19,794		17,164		46,074		147,982		38,238		300,880
650-699	2,512		12,975		6,939		10,439		23,821		62,741		15,006		134,433
600-649	—		1,504		1,962		1,852		4,092		20,909		2,406		32,725
550-599	182		20		41		604		7,137		13,209		1,756		22,949
500-549	—		—		24		1,669		4,319		9,879		479		16,370
Under 500	—		—		85		153		679		2,166		25		3,108
Unknown	—		—		—		—		—		—		—		—
Total	$	35,016	$	128,374	$	85,569	$	94,271	$	272,443	$	747,903	$	156,782	$	1,520,358
Accrued interest excluded from total	$	61	$	704	$	436	$	461	$	843	$	2,046	$	947	$	5,498
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	5	$	—	$	5


	Mortgage (1)
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2025		2024		2023		2022		2021		Prior
	(In thousands)
December 31, 2025
1-4 family owner occupied - jumbo
800 and above	$	10,135	$	3,881	$	13,290	$	40,752	$	55,563	$	35,693	$	1,668	$	160,982
750-799	51,765		33,022		25,431		89,810		168,312		75,497		1,906		445,743
700-749	16,958		11,934		11,935		32,634		68,111		30,819		518		172,909
650-699	7,923		5,188		7,533		17,251		13,827		15,953		1,500		69,175
600-649	1,267		867		1,568		1,170		4,031		3,370		—		12,273
550-599	—		—		—		5,161		1,644		3,040		—		9,845
500-549	—		—		1,273		3,936		720		1,905		—		7,834
Under 500	—		—		—		—		—		—		—		—
Unknown	—		—		—		—		—		—		—		—
Total	$	88,048	$	54,892	$	61,030	$	190,714	$	312,208	$	166,277	$	5,592	$	878,761
Accrued interest excluded from total	$	388	$	263	$	302	$	552	$	695	$	432	$	43	$	2,675
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

1-4 family owner occupied - non-jumbo
800 and above	$	5,270	$	2,088	$	4,148	$	13,160	$	9,606	$	14,616	$	4,613	$	53,501
750-799	8,911		6,532		9,828		26,722		21,376		30,100		13,508		116,977
700-749	2,593		4,978		3,803		8,981		8,552		23,235		5,702		57,844
650-699	2,343		788		1,960		5,046		4,154		12,947		1,586		28,824
600-649	366		301		214		2,610		1,153		9,218		168		14,030
550-599	—		—		382		1,570		721		6,547		41		9,261
500-549	—		—		—		291		779		5,303		60		6,433
Under 500	—		85		—		602		242		1,763		—		2,692
Unknown	—		—		—		—		—		—		—		—
Total	$	19,483	$	14,772	$	20,335	$	58,982	$	46,583	$	103,729	$	25,678	$	289,562
Accrued interest excluded from total	$	123	$	94	$	89	$	180	$	109	$	377	$	181	$	1,153
Current period gross charge-offs	$	—	$	—	$	—	$	19	$	—	$	5	$	—	$	24

1-4 family non-owner occupied
800 and above	$	3,958	$	2,399	$	3,229	$	3,693	$	10,379	$	10,302	$	943	$	34,903
750-799	13,466		10,671		9,247		13,152		26,912		19,293		1,452		94,193
700-749	4,343		2,349		1,174		2,551		3,439		8,540		1,618		24,014
650-699	1,046		1,263		487		2,747		3,427		6,127		402		15,499
600-649	—		708		—		77		—		1,470		—		2,255
550-599	—		—		—		367		—		717		—		1,084
500-549	—		—		—		—		50		253		—		303
Under 500	—		—		—		—		—		42		—		42
Unknown	—		—		—		—		—		—		—		—
Total	$	22,813	$	17,390	$	14,137	$	22,587	$	44,207	$	46,744	$	4,415	$	172,293
Accrued interest excluded from total	$	96	$	89	$	70	$	86	$	115	$	168	$	30	$	654
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


	Mortgage - continued (1)
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2025		2024		2023		2022		2021		Prior
	(In thousands)
December 31, 2025 - (continued)
1-4 family - 2nd lien
800 and above	$	1,256	$	367	$	351	$	461	$	789	$	1,454	$	16,797	$	21,475
750-799	3,122		2,528		2,142		1,830		2,006		3,651		56,532		71,811
700-749	2,759		1,225		1,310		1,505		1,502		2,454		29,585		40,340
650-699	805		367		339		454		285		1,517		11,914		15,681
600-649	—		141		124		107		250		525		2,157		3,304
550-599	—		41		225		72		53		650		1,770		2,811
500-549	—		16		423		108		200		537		417		1,701
Under 500	—		—		154		111		—		209		—		474
Unknown	—		—		—		—		—		—		—		—
Total	$	7,942	$	4,685	$	5,068	$	4,648	$	5,085	$	10,997	$	119,172	$	157,597
Accrued interest excluded from total	$	23	$	18	$	22	$	19	$	13	$	37	$	767	$	899
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Resort lending
800 and above	$	—	$	—	$	—	$	—	$	524	$	4,127	$	—	$	4,651
750-799	121		—		22		366		156		10,704		—		11,369
700-749	—		—		—		—		484		3,644		—		4,128
650-699	—		—		—		—		—		5,148		—		5,148
600-649	—		—		—		—		—		955		—		955
550-599	—		—		—		—		—		—		—		—
500-549	—		—		—		—		—		357		—		357
Under 500	—		—		—		—		—		—		—		—
Unknown	—		—		—		—		—		—		—		—
Total	$	121	$	—	$	22	$	366	$	1,164	$	24,935	$	—	$	26,608
Accrued interest excluded from total	$	1	$	—	$	—	$	1	$	3	$	117	$	—	$	122
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Total Mortgage
800 and above	$	20,619	$	8,735	$	21,018	$	58,066	$	76,861	$	66,192	$	24,021	$	275,512
750-799	77,385		52,753		46,670		131,880		218,762		139,245		73,398		740,093
700-749	26,653		20,486		18,222		45,671		82,088		68,692		37,423		299,235
650-699	12,117		7,606		10,319		25,498		21,693		41,692		15,402		134,327
600-649	1,633		2,017		1,906		3,964		5,434		15,538		2,325		32,817
550-599	—		41		607		7,170		2,418		10,954		1,811		23,001
500-549	—		16		1,696		4,335		1,749		8,355		477		16,628
Under 500	—		85		154		713		242		2,014		—		3,208
Unknown	—		—		—		—		—		—		—		—
Total	$	138,407	$	91,739	$	100,592	$	277,297	$	409,247	$	352,682	$	154,857	$	1,524,821
Accrued interest excluded from total	$	631	$	464	$	483	$	838	$	935	$	1,131	$	1,021	$	5,503
Current period gross charge-offs	$	—	$	—	$	—	$	19	$	—	$	5	$	—	$	24

(1)Credit scores have been updated within the last twelve months.


	Installment (1)
	Term Loans Amortized Cost Basis by Origination Year
	2026		2025		2024		2023		2022		Prior		Total
	(In thousands)
March 31, 2026
Boat lending
800 and above	$	969	$	6,740	$	3,932	$	5,731	$	6,756	$	17,925	$	42,053
750-799	4,632		31,474		19,521		22,127		22,573		45,098		145,425
700-749	1,928		10,954		9,927		8,494		9,540		16,816		57,659
650-699	1,053		2,383		2,505		2,341		2,267		5,999		16,548
600-649	14		897		362		589		740		1,346		3,948
550-599	—		32		186		117		271		885		1,491
500-549	—		—		108		86		95		329		618
Under 500	—		—		—		35		—		6		41
Unknown	—		—		—		—		—		—		—
Total	$	8,596	$	52,480	$	36,541	$	39,520	$	42,242	$	88,404	$	267,783
Accrued interest excluded from total	$	29	$	177	$	141	$	143	$	93	$	190	$	773
Current period gross charge-offs	$	—	$	—	$	29	$	65	$	9	$	25	$	128

Recreational vehicle lending
800 and above	$	209	$	705	$	1,615	$	2,732	$	7,873	$	15,703	$	28,837
750-799	335		3,499		7,132		9,607		29,220		42,583		92,376
700-749	280		1,460		3,592		3,575		11,400		19,210		39,517
650-699	4		282		971		1,834		3,757		6,704		13,552
600-649	—		25		267		559		1,103		2,559		4,513
550-599	—		—		128		219		610		1,537		2,494
500-549	—		—		47		52		461		877		1,437
Under 500	—		—		72		120		288		289		769
Unknown	—		—		—		—		—		—		—
Total	$	828	$	5,971	$	13,824	$	18,698	$	54,712	$	89,462	$	183,495
Accrued interest excluded from total	$	4	$	23	$	53	$	67	$	134	$	199	$	480
Current period gross charge-offs	$	—	$	—	$	8	$	11	$	—	$	206	$	225

Other
800 and above	$	603	$	1,244	$	767	$	1,014	$	1,183	$	1,474	$	6,285
750-799	1,705		8,739		5,349		4,482		3,792		6,374		30,441
700-749	2,247		4,151		3,721		2,587		2,249		4,656		19,611
650-699	1,546		1,828		1,350		921		753		1,730		8,128
600-649	5		175		438		362		439		705		2,124
550-599	—		20		182		251		219		264		936
500-549	—		6		183		117		163		317		786
Under 500	—		—		46		13		65		55		179
Unknown	604		—		—		—		—		—		604
Total	$	6,710	$	16,163	$	12,036	$	9,747	$	8,863	$	15,575	$	69,094
Accrued interest excluded from total	$	15	$	63	$	51	$	37	$	22	$	69	$	257
Current period gross charge-offs	$	328	$	4	$	3	$	13	$	5	$	17	$	370

Total installment
800 and above	$	1,781	$	8,689	$	6,314	$	9,477	$	15,812	$	35,102	$	77,175
750-799	6,672		43,712		32,002		36,216		55,585		94,055		268,242
700-749	4,455		16,565		17,240		14,656		23,189		40,682		116,787
650-699	2,603		4,493		4,826		5,096		6,777		14,433		38,228
600-649	19		1,097		1,067		1,510		2,282		4,610		10,585
550-599	—		52		496		587		1,100		2,686		4,921
500-549	—		6		338		255		719		1,523		2,841
Under 500	—		—		118		168		353		350		989
Unknown	604		—		—		—		—		—		604
Total	$	16,134	$	74,614	$	62,401	$	67,965	$	105,817	$	193,441	$	520,372
Accrued interest excluded from total	$	48	$	263	$	245	$	247	$	249	$	458	$	1,510
Current period gross charge-offs	$	328	$	4	$	40	$	89	$	14	$	248	$	723


	Installment - continued (1)
	Term Loans Amortized Cost Basis by Origination Year
	2025		2024		2023		2022		2021		Prior		Total
	(In thousands)
December 31, 2025
Boat lending
800 and above	$	7,160	$	4,306	$	5,878	$	7,190	$	8,111	$	11,036	$	43,681
750-799	32,694		21,095		23,561		23,385		19,814		27,759		148,308
700-749	11,208		10,315		8,793		9,887		7,279		10,511		57,993
650-699	2,418		2,569		2,482		2,312		2,609		3,743		16,133
600-649	907		366		598		808		622		798		4,099
550-599	33		188		118		275		383		552		1,549
500-549	—		137		87		97		183		169		673
Under 500	—		35		35		—		—		6		76
Unknown	—		—		—		—		—		—		—
Total	$	54,420	$	39,011	$	41,552	$	43,954	$	39,001	$	54,574	$	272,512
Accrued interest excluded from total	$	185	$	151	$	149	$	96	$	85	$	112	$	778
Current period gross charge-offs	$	—	$	—	$	—	$	14	$	—	$	19	$	33

Recreational vehicle lending
800 and above	$	771	$	1,690	$	2,923	$	8,205	$	8,940	$	7,788	$	30,317
750-799	3,706		7,485		10,133		30,410		27,020		17,972		96,726
700-749	1,498		3,830		3,849		11,937		12,930		7,192		41,236
650-699	287		987		1,862		3,865		4,747		2,234		13,982
600-649	26		276		576		1,143		1,858		833		4,712
550-599	—		129		222		622		968		614		2,555
500-549	—		55		54		469		663		292		1,533
Under 500	—		75		121		292		251		57		796
Unknown	—		—		—		—		—		—		—
Total	$	6,288	$	14,527	$	19,740	$	56,943	$	57,377	$	36,982	$	191,857
Accrued interest excluded from total	$	26	$	54	$	71	$	138	$	125	$	82	$	496
Current period gross charge-offs	$	—	$	—	$	—	$	76	$	72	$	50	$	198

Other
800 and above	$	1,460	$	900	$	1,168	$	1,408	$	641	$	933	$	6,510
750-799	9,471		6,202		5,214		4,275		2,546		4,423		32,131
700-749	6,281		4,067		2,872		2,569		1,990		3,251		21,030
650-699	3,470		1,473		989		851		545		1,305		8,633
600-649	184		483		405		470		276		460		2,278
550-599	23		200		267		250		93		192		1,025
500-549	7		195		128		179		124		224		857
Under 500	—		48		14		91		35		32		220
Unknown	854		—		—		—		—		—		854
Total	$	21,750	$	13,568	$	11,057	$	10,093	$	6,250	$	10,820	$	73,538
Accrued interest excluded from total	$	72	$	57	$	43	$	26	$	16	$	60	$	274
Current period gross charge-offs	$	310	$	—	$	6	$	31	$	2	$	14	$	363

Total installment
800 and above	$	9,391	$	6,896	$	9,969	$	16,803	$	17,692	$	19,757	$	80,508
750-799	45,871		34,782		38,908		58,070		49,380		50,154		277,165
700-749	18,987		18,212		15,514		24,393		22,199		20,954		120,259
650-699	6,175		5,029		5,333		7,028		7,901		7,282		38,748
600-649	1,117		1,125		1,579		2,421		2,756		2,091		11,089
550-599	56		517		607		1,147		1,444		1,358		5,129
500-549	7		387		269		745		970		685		3,063
Under 500	—		158		170		383		286		95		1,092
Unknown	854		—		—		—		—		—		854
Total	$	82,458	$	67,106	$	72,349	$	110,990	$	102,628	$	102,376	$	537,907
Accrued interest excluded from total	$	283	$	262	$	263	$	260	$	226	$	254	$	1,548
Current period gross charge-offs	$	310	$	—	$	6	$	121	$	74	$	83	$	594

(1)Credit scores have been updated within the last twelve months.

Foreclosed residential real estate properties included in other real estate and repossessed assets, net on our interim Condensed Consolidated Statements of Financial Condition totaled $0.6 million and $0.8 million at March 31, 2026 and December 31, 2025, respectively. Retail mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process according to local requirements totaled $2.5 million and $1.9 million at March 31, 2026 and December 31, 2025, respectively.

During the three month periods ended March 31, 2026 and 2025, we sold $1.4 million and $8.8 million, respectively, of portfolio residential fixed rate mortgage loans servicing retained and recognized a gain on sale of $0.03 million and $0.22 million, respectively. These transactions were done primarily for asset/liability management purposes.

Share Based Compensation - Summary of Restricted Stock and Performance Stock Units (Details) - Long-Term Incentive Plan - shares	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Restricted stock
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Granted (in shares)	63,457	52,019
PSU
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Granted (in shares)	16,859	16,364

- Definition

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

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (f)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (f)(2)(v)
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Name Accounting Standards Codification
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-Paragraph 2
-Subparagraph (f)(2)(i)
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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-Paragraph 2
-Subparagraph (f)(2)(iv)
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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-Subparagraph (f)(2)(ii)
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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-Subparagraph (a)(1)
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
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-Subparagraph (d)(1)
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
-Name Accounting Standards Codification
-Section 35
-Paragraph 1D
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480483/718-10-35-1D

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Section 35
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-URI https://asc.fasb.org/1943274/2147480483/718-10-35-3

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
-Paragraph 2
-Subparagraph (a)(2)
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Section 50
-Paragraph 2
-Subparagraph (a)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Name Accounting Standards Codification
-Section 50
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-Subparagraph (c)(1)(i)
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Reference 15: http://www.xbrl.org/2003/role/disclosureRef
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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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-Paragraph 2
-Subparagraph (c)(1)(iv)
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Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
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-Name Accounting Standards Codification
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Reference 19: http://www.xbrl.org/2003/role/disclosureRef
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Reference 20: http://www.xbrl.org/2003/role/disclosureRef
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Reference 21: http://www.xbrl.org/2003/role/disclosureRef
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Reference 22: http://www.xbrl.org/2003/role/disclosureRef
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Reference 23: http://www.xbrl.org/2003/role/disclosureRef
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Reference 24: http://www.xbrl.org/2003/role/disclosureRef
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Reference 25: http://www.xbrl.org/2003/role/disclosureRef
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Reference 26: http://www.xbrl.org/2003/role/disclosureRef
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Reference 27: http://www.xbrl.org/2003/role/disclosureRef
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Reference 28: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
-Section 50
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-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

Reference 29: http://www.xbrl.org/2003/role/disclosureRef
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Reference 30: http://www.xbrl.org/2003/role/disclosureRef
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-Subparagraph (e)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480429/718-10-50-2

+ Details

Accumulated Other Comprehensive Loss ("AOCL") - Schedule of Reclassifications Out of Each Component of AOCL (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Reclassifications out of AOCIL [Abstract]
Income tax expense	$ 3,355	$ 3,536
Interest income	66,169	66,144
Interest expense	46,855	43,685
Income before income tax	20,230	19,126
Net Income (Loss)	16,875	15,590
Amount Reclassified From AOCL
Reclassifications out of AOCIL [Abstract]
Net Income (Loss)	(221)	(596)
Amount Reclassified From AOCL \| Unrealized Losses on Securities AFS
Reclassifications out of AOCIL [Abstract]
Net losses on securities available for sale	(26)	(330)
Income tax expense	(5)	(69)
Net Income (Loss)	(21)	(261)
Amount Reclassified From AOCL \| Unrealized Losses on Derivative Instruments
Reclassifications out of AOCIL [Abstract]
Income tax expense	(53)	(89)
Interest income	(230)	(422)
Interest expense	23	2
Income before income tax	(253)	(424)
Net Income (Loss)	$ (200)	$ (335)

Leases - Schedule of Lease, Cost (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Lease, Cost [Abstract]
Operating lease cost	$ 370	$ 326
Variable lease cost	1	8
Short-term lease cost	17	20
Total	$ 388	$ 354

Loans - Schedule of Amortized Cost of Collateral-dependent Loans by Class (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025	Mar. 31, 2025	Dec. 31, 2024
Financing Receivable, Past Due [Line Items]
Loans	$ 4,308,099	$ 4,276,285
Allowance for Credit Losses	63,719	63,445	$ 60,035	$ 59,379
Accrued interest excluded from total	14,078	13,952
Real Estate
Financing Receivable, Past Due [Line Items]
Loans	34,734	33,893
Accrued interest excluded from total	18	73
Other
Financing Receivable, Past Due [Line Items]
Loans	10,453	9,420
Accrued interest excluded from total	64	54
Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	7,077	6,776
Commercial
Financing Receivable, Past Due [Line Items]
Loans	2,267,369	2,213,557
Allowance for Credit Losses	29,177	29,012	24,297	22,872
Accrued interest excluded from total	7,070	6,901
Commercial \| Commercial and industrial
Financing Receivable, Past Due [Line Items]
Loans	1,205,190	1,158,841
Accrued interest excluded from total	3,934	3,551
Commercial \| Commercial and industrial \| Real Estate
Financing Receivable, Past Due [Line Items]
Loans	673	680
Commercial \| Commercial and industrial \| Other
Financing Receivable, Past Due [Line Items]
Loans	9,740	8,841
Commercial \| Commercial and industrial \| Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	1,302	1,631
Commercial \| Commercial real estate
Financing Receivable, Past Due [Line Items]
Loans	1,062,179	1,054,716
Accrued interest excluded from total	3,136	3,350
Commercial \| Commercial real estate \| Real Estate
Financing Receivable, Past Due [Line Items]
Loans	28,024	28,047
Commercial \| Commercial real estate \| Other
Financing Receivable, Past Due [Line Items]
Loans	0	0
Commercial \| Commercial real estate \| Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	5,093	4,541
Mortgage
Financing Receivable, Past Due [Line Items]
Loans	1,520,358	1,524,821
Allowance for Credit Losses	21,034	20,914	20,036	22,317
Accrued interest excluded from total	5,498	5,503
Mortgage \| 1-4 family owner occupied - jumbo
Financing Receivable, Past Due [Line Items]
Loans	883,289	878,761
Accrued interest excluded from total	2,742	2,675
Mortgage \| 1-4 family owner occupied - jumbo \| Real Estate
Financing Receivable, Past Due [Line Items]
Loans	2,790	2,147
Mortgage \| 1-4 family owner occupied - jumbo \| Other
Financing Receivable, Past Due [Line Items]
Loans	0	0
Mortgage \| 1-4 family owner occupied - jumbo \| Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	0	0
Mortgage \| 1-4 family owner occupied - non-jumbo
Financing Receivable, Past Due [Line Items]
Loans	278,558	289,562
Accrued interest excluded from total	1,116	1,153
Mortgage \| 1-4 family owner occupied - non-jumbo \| Real Estate
Financing Receivable, Past Due [Line Items]
Loans	2,190	2,371
Mortgage \| 1-4 family owner occupied - non-jumbo \| Other
Financing Receivable, Past Due [Line Items]
Loans	0	0
Mortgage \| 1-4 family owner occupied - non-jumbo \| Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	253	239
Mortgage \| 1-4 family non-owner occupied
Financing Receivable, Past Due [Line Items]
Loans	174,508	172,293
Accrued interest excluded from total	661	654
Mortgage \| 1-4 family non-owner occupied \| Real Estate
Financing Receivable, Past Due [Line Items]
Loans	121	22
Mortgage \| 1-4 family non-owner occupied \| Other
Financing Receivable, Past Due [Line Items]
Loans	0	0
Mortgage \| 1-4 family non-owner occupied \| Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	43	8
Mortgage \| 1-4 family - 2nd lien
Financing Receivable, Past Due [Line Items]
Loans	158,237	157,597
Accrued interest excluded from total	860	899
Mortgage \| 1-4 family - 2nd lien \| Real Estate
Financing Receivable, Past Due [Line Items]
Loans	879	569
Mortgage \| 1-4 family - 2nd lien \| Other
Financing Receivable, Past Due [Line Items]
Loans	0	0
Mortgage \| 1-4 family - 2nd lien \| Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	147	131
Mortgage \| Resort lending
Financing Receivable, Past Due [Line Items]
Loans	25,766	26,608
Accrued interest excluded from total	119	122
Mortgage \| Resort lending \| Real Estate
Financing Receivable, Past Due [Line Items]
Loans	57	57
Mortgage \| Resort lending \| Other
Financing Receivable, Past Due [Line Items]
Loans	0	0
Mortgage \| Resort lending \| Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	20	20
Installment
Financing Receivable, Past Due [Line Items]
Loans	520,372	537,907
Allowance for Credit Losses	2,533	2,639	$ 2,887	$ 3,040
Accrued interest excluded from total	1,510	1,548
Installment \| Boat lending
Financing Receivable, Past Due [Line Items]
Loans	267,783	272,512
Accrued interest excluded from total	773	778
Installment \| Boat lending \| Real Estate
Financing Receivable, Past Due [Line Items]
Loans	0	0
Installment \| Boat lending \| Other
Financing Receivable, Past Due [Line Items]
Loans	86	233
Installment \| Boat lending \| Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	31	83
Installment \| Recreational vehicle lending
Financing Receivable, Past Due [Line Items]
Loans	183,495	191,857
Accrued interest excluded from total	480	496
Installment \| Recreational vehicle lending \| Real Estate
Financing Receivable, Past Due [Line Items]
Loans	0	0
Installment \| Recreational vehicle lending \| Other
Financing Receivable, Past Due [Line Items]
Loans	546	237
Installment \| Recreational vehicle lending \| Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	159	84
Installment \| Other
Financing Receivable, Past Due [Line Items]
Loans	69,094	73,538
Accrued interest excluded from total	257	274
Installment \| Other \| Real Estate
Financing Receivable, Past Due [Line Items]
Loans	0	0
Installment \| Other \| Other
Financing Receivable, Past Due [Line Items]
Loans	81	109
Installment \| Other \| Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	$ 29	$ 39

Share Based Compensation - Schedule of Share-Based Payment Arrangement, Option, Activity (Details) - Share-Based Payment Arrangement, Option $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2026 USD ($) $ / shares shares
Number of Shares
Outstanding, beginning balance (in shares)	2,790
Granted (in shares)	0
Exercised (in shares)	(2,790)
Forfeited (in shares)	0
Expired (in shares)	0
Outstanding, ending balance (in shares)	0
Vested and expected to vest, period end (in shares)	0
Exercisable, period end (in shares)	0
Average Exercise Price
Outstanding, beginning balance (in dollars per share) \| $ / shares	$ 13.43
Exercised (in dollars per share) \| $ / shares	13.43
Outstanding, ending balance (in dollars per share) \| $ / shares	0
Vested and expected to vest, period end (in dollars per share) \| $ / shares	0
Exercisable, period end (in dollars per share) \| $ / shares	$ 0
Weighted- Average Remaining Contractual Term (Years)
Outstanding, period end, weighted average remaining contractual term	0 years
Vested and expected to vest, period end, weighted average remaining contractual term	0 years
Exercisable, period end, weighted average remaining contractual term	0 years
Aggregated Intrinsic Value
Outstanding, period end, aggregate intrinsic value \| $	$ 0
Vested and expected to vest, period end, aggregate intrinsic value \| $	0
Exercisable, period end, aggregate intrinsic value \| $	$ 0

Loans - Schedule of Loan Ratings by Loan Class (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	$ 4,308,099		$ 4,276,285
Accrued interest excluded from total	14,078		13,952
Current period gross charge-offs	765	$ 618
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	94,228		413,589
Financing receivable, year two, originated, fiscal year before current fiscal year	455,152		356,200
Financing receivable, year three, originated, two years before current fiscal year	357,695		325,344
Financing receivable, year four, originated, three years before current fiscal year	325,845		292,058
Financing receivable, year five, originated, four years before current fiscal year	273,669		114,230
Financing receivable, originated, more than five years before current fiscal year	351,295		339,733
Revolving Loans Amortized Cost Basis	409,485		372,403
Total loans	2,267,369		2,213,557
Accrued interest, current fiscal year	303		1,259
Accrued interest, fiscal year before current	1,319		1,125
Accrued interest, two years before current	1,182		971
Accrued interest, three years before current	1,026		912
Accrued interest, four years before current	801		236
Accrued interest, more than five years before current fiscal year	1,019		1,121
Accrued interest, revolving	1,420		1,277
Accrued interest excluded from total	7,070		6,901
Gross charge-offs, current fiscal year	0		0
Gross charge-offs, fiscal year before current	0		0
Gross charge-offs, two years before current	0		0
Gross charge-offs, three years before current	37		0
Gross charge-offs, four years before current	0		0
Gross charge-offs, more than five years before current	0		0
Gross charge-offs, revolving	0		0
Current period gross charge-offs	37	$ 0	0
Commercial \| Non-watch (1-6)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	94,228		403,922
Financing receivable, year two, originated, fiscal year before current fiscal year	444,593		351,266
Financing receivable, year three, originated, two years before current fiscal year	348,887		298,293
Financing receivable, year four, originated, three years before current fiscal year	286,018		275,466
Financing receivable, year five, originated, four years before current fiscal year	257,692		111,232
Financing receivable, originated, more than five years before current fiscal year	339,991		325,606
Revolving Loans Amortized Cost Basis	392,355		357,151
Total loans	2,163,764		2,122,936
Commercial \| Watch (7-8)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	0		501
Financing receivable, year two, originated, fiscal year before current fiscal year	1,776		2,734
Financing receivable, year three, originated, two years before current fiscal year	6,743		8,492
Financing receivable, year four, originated, three years before current fiscal year	21,161		16,592
Financing receivable, year five, originated, four years before current fiscal year	15,977		2,052
Financing receivable, originated, more than five years before current fiscal year	10,230		13,200
Revolving Loans Amortized Cost Basis	9,902		9,473
Total loans	65,789		53,044
Commercial \| Substandard Accrual (9)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	0		4,288
Financing receivable, year two, originated, fiscal year before current fiscal year	537		1,710
Financing receivable, year three, originated, two years before current fiscal year	1,575		396
Financing receivable, year four, originated, three years before current fiscal year	392		0
Financing receivable, year five, originated, four years before current fiscal year	0		946
Financing receivable, originated, more than five years before current fiscal year	1,007		927
Revolving Loans Amortized Cost Basis	7,228		5,779
Total loans	10,739		14,046
Commercial \| Non-Accrual (10-11)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	0		4,878
Financing receivable, year two, originated, fiscal year before current fiscal year	8,246		490
Financing receivable, year three, originated, two years before current fiscal year	490		18,163
Financing receivable, year four, originated, three years before current fiscal year	18,274		0
Financing receivable, year five, originated, four years before current fiscal year	0		0
Financing receivable, originated, more than five years before current fiscal year	67		0
Revolving Loans Amortized Cost Basis	0		0
Total loans	27,077		23,531
Commercial \| Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	52,640		200,779
Financing receivable, year two, originated, fiscal year before current fiscal year	219,794		191,930
Financing receivable, year three, originated, two years before current fiscal year	193,999		135,420
Financing receivable, year four, originated, three years before current fiscal year	131,753		118,223
Financing receivable, year five, originated, four years before current fiscal year	110,778		47,988
Financing receivable, originated, more than five years before current fiscal year	146,702		149,334
Revolving Loans Amortized Cost Basis	349,524		315,167
Total loans	1,205,190		1,158,841
Accrued interest, current fiscal year	200		564
Accrued interest, fiscal year before current	683		570
Accrued interest, two years before current	628		477
Accrued interest, three years before current	531		288
Accrued interest, four years before current	277		95
Accrued interest, more than five years before current fiscal year	417		418
Accrued interest, revolving	1,198		1,139
Accrued interest excluded from total	3,934		3,551
Gross charge-offs, current fiscal year	0		0
Gross charge-offs, fiscal year before current	0		0
Gross charge-offs, two years before current	0		0
Gross charge-offs, three years before current	37		0
Gross charge-offs, four years before current	0		0
Gross charge-offs, more than five years before current	0		0
Gross charge-offs, revolving	0		0
Current period gross charge-offs	37		0
Commercial \| Commercial and industrial \| Non-watch (1-6)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	52,640		199,338
Financing receivable, year two, originated, fiscal year before current fiscal year	218,751		188,309
Financing receivable, year three, originated, two years before current fiscal year	186,995		131,090
Financing receivable, year four, originated, three years before current fiscal year	114,724		115,518
Financing receivable, year five, originated, four years before current fiscal year	108,642		45,116
Financing receivable, originated, more than five years before current fiscal year	137,169		140,699
Revolving Loans Amortized Cost Basis	333,019		300,540
Total loans	1,151,940		1,120,610
Commercial \| Commercial and industrial \| Watch (7-8)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	0		501
Financing receivable, year two, originated, fiscal year before current fiscal year	506		1,911
Financing receivable, year three, originated, two years before current fiscal year	5,429		4,330
Financing receivable, year four, originated, three years before current fiscal year	17,029		2,705
Financing receivable, year five, originated, four years before current fiscal year	2,136		2,052
Financing receivable, originated, more than five years before current fiscal year	8,459		8,360
Revolving Loans Amortized Cost Basis	9,277		8,848
Total loans	42,836		28,707
Commercial \| Commercial and industrial \| Substandard Accrual (9)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	0		940
Financing receivable, year two, originated, fiscal year before current fiscal year	537		1,710
Financing receivable, year three, originated, two years before current fiscal year	1,575		0
Financing receivable, year four, originated, three years before current fiscal year	0		0
Financing receivable, year five, originated, four years before current fiscal year	0		820
Financing receivable, originated, more than five years before current fiscal year	1,007		275
Revolving Loans Amortized Cost Basis	7,228		5,779
Total loans	10,347		9,524
Commercial \| Commercial and industrial \| Non-Accrual (10-11)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0
Financing receivable, originated, more than five years before current fiscal year	67		0
Revolving Loans Amortized Cost Basis	0		0
Total loans	67		0
Commercial \| Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	41,588		212,810
Financing receivable, year two, originated, fiscal year before current fiscal year	235,358		164,270
Financing receivable, year three, originated, two years before current fiscal year	163,696		189,924
Financing receivable, year four, originated, three years before current fiscal year	194,092		173,835
Financing receivable, year five, originated, four years before current fiscal year	162,891		66,242
Financing receivable, originated, more than five years before current fiscal year	204,593		190,399
Revolving Loans Amortized Cost Basis	59,961		57,236
Total loans	1,062,179		1,054,716
Accrued interest, current fiscal year	103		695
Accrued interest, fiscal year before current	636		555
Accrued interest, two years before current	554		494
Accrued interest, three years before current	495		624
Accrued interest, four years before current	524		141
Accrued interest, more than five years before current fiscal year	602		703
Accrued interest, revolving	222		138
Accrued interest excluded from total	3,136		3,350
Gross charge-offs, current fiscal year	0		0
Gross charge-offs, fiscal year before current	0		0
Gross charge-offs, two years before current	0		0
Gross charge-offs, three years before current	0		0
Gross charge-offs, four years before current	0		0
Gross charge-offs, more than five years before current	0		0
Gross charge-offs, revolving	0		0
Current period gross charge-offs	0		0
Commercial \| Commercial real estate \| Non-watch (1-6)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	41,588		204,584
Financing receivable, year two, originated, fiscal year before current fiscal year	225,842		162,957
Financing receivable, year three, originated, two years before current fiscal year	161,892		167,203
Financing receivable, year four, originated, three years before current fiscal year	171,294		159,948
Financing receivable, year five, originated, four years before current fiscal year	149,050		66,116
Financing receivable, originated, more than five years before current fiscal year	202,822		184,907
Revolving Loans Amortized Cost Basis	59,336		56,611
Total loans	1,011,824		1,002,326
Commercial \| Commercial real estate \| Watch (7-8)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	1,270		823
Financing receivable, year three, originated, two years before current fiscal year	1,314		4,162
Financing receivable, year four, originated, three years before current fiscal year	4,132		13,887
Financing receivable, year five, originated, four years before current fiscal year	13,841		0
Financing receivable, originated, more than five years before current fiscal year	1,771		4,840
Revolving Loans Amortized Cost Basis	625		625
Total loans	22,953		24,337
Commercial \| Commercial real estate \| Substandard Accrual (9)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	0		3,348
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0
Financing receivable, year three, originated, two years before current fiscal year	0		396
Financing receivable, year four, originated, three years before current fiscal year	392		0
Financing receivable, year five, originated, four years before current fiscal year	0		126
Financing receivable, originated, more than five years before current fiscal year	0		652
Revolving Loans Amortized Cost Basis	0		0
Total loans	392		4,522
Commercial \| Commercial real estate \| Non-Accrual (10-11)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	0		4,878
Financing receivable, year two, originated, fiscal year before current fiscal year	8,246		490
Financing receivable, year three, originated, two years before current fiscal year	490		18,163
Financing receivable, year four, originated, three years before current fiscal year	18,274		0
Financing receivable, year five, originated, four years before current fiscal year	0		0
Financing receivable, originated, more than five years before current fiscal year	0		0
Revolving Loans Amortized Cost Basis	0		0
Total loans	$ 27,010		$ 23,531

Condensed Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Assets
Cash and due from banks	$ 48,475	$ 52,235
Interest bearing deposits	126,440	86,152
Cash and Cash Equivalents	174,915	138,387
Securities available for sale	482,295	495,909
Securities held to maturity (fair value of $271,452 at March 31, 2026 and $282,830 at December 31, 2025 )	301,007	309,523
Federal Home Loan Bank and Federal Reserve Bank stock, at cost	18,102	18,102
Loans held for sale, carried at fair value	19,714	9,031
Loans
Total Loans	4,308,099	4,276,285
Allowance for credit losses	(63,719)	(63,445)
Net Loans	4,244,380	4,212,840
Other real estate and repossessed assets, net	767	896
Property and equipment, net	42,319	38,972
Bank-owned life insurance	54,072	53,750
Capitalized mortgage loan servicing rights, carried at fair value	32,233	31,493
Other intangibles, net	886	1,001
Goodwill	28,300	28,300
Accrued income and other assets	158,519	167,516
Total Assets	5,557,509	5,505,720
Deposits
Non-interest bearing	991,140	991,984
Savings and interest-bearing checking	2,146,403	2,113,260
Reciprocal	1,028,874	974,921
Time	657,043	662,858
Brokered time	57,220	18,659
Total Deposits	4,880,680	4,761,682
Other borrowings	27,010	77,003
Subordinated debentures	39,881	39,864
Accrued expenses and other liabilities	99,385	124,220
Total Liabilities	5,046,956	5,002,769
Commitments and contingent liabilities
Shareholders’ Equity
Preferred stock, no par value, 200,000 shares authorized; none issued or outstanding	0	0
Common stock, no par value, 500,000,000 shares authorized; issued and outstanding: 20,585,805 shares at March 31, 2026 and 20,548,893 shares at December 31, 2025	307,679	307,845
Retained earnings	263,898	252,794
Accumulated other comprehensive loss	(61,024)	(57,688)
Total Shareholders’ Equity	510,553	502,951
Total Liabilities and Shareholders’ Equity	5,557,509	5,505,720
Commercial
Loans
Total Loans	2,267,369	2,213,557
Allowance for credit losses	(29,177)	(29,012)
Mortgage
Loans
Total Loans	1,520,358	1,524,821
Allowance for credit losses	(21,034)	(20,914)
Installment
Loans
Total Loans	520,372	537,907
Allowance for credit losses	$ (2,533)	$ (2,639)

Derivative Financial Instruments - Schedule of Derivative Financial Instruments According to Type of Hedge Designation (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2026	Dec. 31, 2025
Derivatives not designated as hedging instruments
Derivative Instrument Detail [Abstract]
Notional Amount	$ 1,503,884	$ 1,409,519
Average Maturity (years)	4 years 2 months 12 days	4 years 4 months 24 days
Fair Value	$ 309	$ 198
Derivatives not designated as hedging instruments \| Rate-lock mortgage loan commitments
Derivative Instrument Detail [Abstract]
Notional Amount	$ 29,532	$ 17,180
Average Maturity (years)	1 month 6 days	1 month 6 days
Fair Value	$ 166	$ 230
Derivatives not designated as hedging instruments \| Mandatory commitments to sell mortgage loans
Derivative Instrument Detail [Abstract]
Notional Amount	$ 46,740	$ 24,909
Average Maturity (years)	1 month 6 days	1 month 6 days
Fair Value	$ 143	$ (32)
Fixed Income Interest Rate \| Derivatives not designated as hedging instruments \| Interest Rate Swap \| Commercial
Derivative Instrument Detail [Abstract]
Notional Amount	$ 713,806	$ 683,715
Average Maturity (years)	4 years 6 months	4 years 6 months
Fair Value	$ 183	$ (3,345)
Variable Income Interest Rate \| Derivatives not designated as hedging instruments \| Interest Rate Swap \| Commercial
Derivative Instrument Detail [Abstract]
Notional Amount	$ 713,806	$ 683,715
Average Maturity (years)	4 years 6 months	4 years 6 months
Fair Value	$ (183)	$ 3,345
Fair Value Hedging
Derivative Instrument Detail [Abstract]
Notional Amount	$ 325,002	$ 412,107
Average Maturity (years)	1 year 8 months 12 days	1 year 9 months 18 days
Fair Value	$ 6,359	$ 5,120
Fair Value Hedging \| Interest rate cap agreements
Derivative Instrument Detail [Abstract]
Notional Amount	$ 40,970	$ 40,970
Average Maturity (years)	2 years 1 month 6 days	2 years 3 months 18 days
Fair Value	$ 90	$ 32
Fair Value Hedging \| Fixed Income Interest Rate \| Interest Rate Swap \| Commercial
Derivative Instrument Detail [Abstract]
Notional Amount	$ 5,137	$ 5,242
Average Maturity (years)	3 years 1 month 6 days	3 years 4 months 24 days
Fair Value	$ 190	$ 175
Fair Value Hedging \| Fixed Income Interest Rate \| Interest Rate Swap \| Installment
Derivative Instrument Detail [Abstract]
Notional Amount	$ 50,000	$ 100,000
Average Maturity (years)	1 year 3 months 18 days	1 year 4 months 24 days
Fair Value	$ (137)	$ (824)
Fair Value Hedging \| Fixed Income Interest Rate \| Interest Rate Swap \| Mortgage
Derivative Instrument Detail [Abstract]
Notional Amount	$ 80,000	$ 117,000
Average Maturity (years)	1 year 8 months 12 days	1 year 8 months 12 days
Fair Value	$ (536)	$ (1,186)
Fair Value Hedging \| Fixed Income Interest Rate \| Pay-fixed interest rate swap agreements - securities available for sale
Derivative Instrument Detail [Abstract]
Notional Amount	$ 148,895	$ 148,895
Average Maturity (years)	1 year 7 months 6 days	1 year 9 months 18 days
Fair Value	$ 6,752	$ 6,923
Cash Flow Hedging
Derivative Instrument Detail [Abstract]
Notional Amount	$ 550,000	$ 500,000
Average Maturity (years)	2 years	1 year 9 months 18 days
Fair Value	$ 4,727	$ 4,715
Cash Flow Hedging \| Interest rate floor agreements - commercial
Derivative Instrument Detail [Abstract]
Notional Amount	$ 500,000	$ 450,000
Average Maturity (years)	2 years	1 year 9 months 18 days
Fair Value	$ 4,586	$ 4,669
Cash Flow Hedging \| Interest rate cap agreements - short-term funding liabilities
Derivative Instrument Detail [Abstract]
Notional Amount	$ 50,000	$ 50,000
Average Maturity (years)	1 year 10 months 24 days	2 years 1 month 6 days
Fair Value	$ 141	$ 46

Income Tax (Details) - USD ($) $ in Thousands	3 Months Ended
Income Tax (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Income Tax Disclosure [Abstract]
Income tax expense	$ 3,355	$ 3,536
Effective income tax rate reconciliation, tax expense (benefit), share-based payment arrangement, amount	180	$ 300
Unrecognized tax benefits	$ 200		$ 200

- Definition

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

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 55
-Paragraph 4
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476153/220-40-55-4

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 55
-Paragraph 21
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476153/220-40-55-21

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 55
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476153/220-40-55-14

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480738/235-10-S50-1

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 270
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482964/270-10-50-1

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (ee)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-32

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-12

Reference 8: http://www.xbrl.org/2003/role/exampleRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 231
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482663/740-10-55-231

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483443/250-10-50-9

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SAB Topic 6.I.7)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479360/740-10-S99-1

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 8
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483443/250-10-50-8

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-10

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04(9))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Subparagraph (a)
-SubTopic 20
-Topic 740
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482659/740-20-45-2

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(h))
-SubTopic 10
-Topic 235
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

+ Details

Condensed Consolidated Statements of Operations - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Interest Income
Interest and fees on loans	$ 59,249	$ 57,768
Interest on securities
Taxable	3,354	4,036
Tax-exempt	2,522	2,770
Other investments	1,044	1,570
Total Interest Income	66,169	66,144
Interest Expense
Deposits	18,397	20,955
Other borrowings and subordinated debt and debentures	917	1,504
Total Interest Expense	19,314	22,459
Net Interest Income	46,855	43,685
Provision for credit losses	362	721
Net Interest Income After Provision for Credit Losses	46,493	42,964
Non-interest Income
Interchange income	3,234	3,127
Service charges on deposit accounts	2,935	2,814
Net gains (losses) on assets
Mortgage loans	1,308	2,303
Securities available for sale	(26)	(330)
Mortgage loan servicing, net	1,646	(636)
Other	2,951	3,146
Total Non-interest Income	12,048	10,424
Non-interest Expense
Compensation and employee benefits	21,829	20,383
Data processing	3,952	3,729
Occupancy, net	2,413	2,223
Litigation expense	1,500	0
Advertising	1,210	861
Interchange expense	1,191	1,119
Furniture, fixtures and equipment	894	885
FDIC deposit insurance	799	711
Loan and collection	752	786
Communications	593	591
Legal and professional	591	479
Merger related expense	300	0
Other	2,287	2,495
Total Non-interest Expense	38,311	34,262
Income Before Income Tax	20,230	19,126
Income tax expense	3,355	3,536
Net Income	$ 16,875	$ 15,590
Net Income Per Common Share
Basic (in dollars per share)	$ 0.82	$ 0.74
Diluted (in dollars per share)	$ 0.81	$ 0.74

Goodwill and Other Intangibles

3 Months Ended

Mar. 31, 2026

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Other Intangibles

The following table summarizes intangible assets, net of amortization:


	March 31, 2026				December 31, 2025
	Gross Carrying Amount		Accumulated Amortization		Gross Carrying Amount		Accumulated Amortization
	(In thousands)

Amortized intangible assets - core deposits	$	11,916	$	11,030	$	11,916	$	10,915
Unamortized intangible assets - goodwill	$	28,300			$	28,300

Goodwill is assessed for impairment on an annual basis as of December 31, or more frequently if events occur or circumstances change that indicate an impairment may exist. When assessing goodwill for impairment, first, a qualitative assessment is made to determine whether it is more likely than not that the estimated fair value of a reporting unit is less than its estimated carrying value. If the results of the qualitative assessment are not conclusive, a quantitative goodwill test is performed. For the three months ended March 31, 2026 and 2025 no event occurred that indicated an impairment of goodwill may exist.

A summary of estimated core deposits intangible amortization at March 31, 2026 follows:


	(In thousands)

Nine months ending December 31, 2026	345
2027	434
2028	107
Total	$	886

Fair Value Disclosures - Schedule of Fair Value Option, Disclosures (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Fair Value, Assets and Liabilities Measured on Recurring Basis, Gain (Loss) Included in Earnings [Abstract]
Loans held for sale	$ (160)	$ 55
Capitalized mortgage loan servicing rights	10	(2,424)
Mortgage Loans
Fair Value, Assets and Liabilities Measured on Recurring Basis, Gain (Loss) Included in Earnings [Abstract]
Loans held for sale	(160)	55
Mortgage Loan Servicing, net
Fair Value, Assets and Liabilities Measured on Recurring Basis, Gain (Loss) Included in Earnings [Abstract]
Capitalized mortgage loan servicing rights	$ 10	$ (2,424)

Fair Values of Financial Instruments- Schedule of Estimated Recorded Book Balances and Fair Values (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Assets
Securities available for sale	$ 482,295	$ 495,909
Securities held to maturity	301,007	309,523
Federal Home Loan Bank and Federal	18,102	18,102
Liabilities
Reciprocal deposits included in deposits with no stated maturity	915,326	862,697
Reciprocal deposits included in deposits with stated maturity	113,548	112,224
Quoted Prices in Active Markets for Identical Assets (Level 1)
Assets
Cash and due from banks	48,475	52,235
Interest bearing deposits	126,440	86,152
Securities available for sale	0	0
Securities held to maturity	0	0
Net loans and loans held for sale	0	0
Accrued interest receivable	117	35
Derivative financial instruments	0	0
Liabilities
Deposits with no stated maturity	4,052,869	3,967,941
Deposits with stated maturity	0	0
Accrued interest payable	319	316
Derivative financial instruments	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) \| Other borrowings
Liabilities
Borrowings	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) \| Subordinated debentures
Liabilities
Borrowings	0	0
Significant Other Observable Inputs (Level 2)
Assets
Cash and due from banks	0	0
Interest bearing deposits	0	0
Securities available for sale	482,295	495,909
Securities held to maturity	271,452	282,830
Net loans and loans held for sale	19,714	9,031
Accrued interest receivable	4,669	5,043
Derivative financial instruments	26,970	29,584
Liabilities
Deposits with no stated maturity	0	0
Deposits with stated maturity	825,762	791,598
Accrued interest payable	1,955	1,576
Derivative financial instruments	15,575	19,551
Significant Other Observable Inputs (Level 2) \| Other borrowings
Liabilities
Borrowings	26,689	76,680
Significant Other Observable Inputs (Level 2) \| Subordinated debentures
Liabilities
Borrowings	40,093	39,761
Significant Un- observable Inputs (Level 3)
Assets
Cash and due from banks	0	0
Interest bearing deposits	0	0
Securities available for sale	0	0
Securities held to maturity	0	0
Net loans and loans held for sale	4,059,426	4,053,169
Accrued interest receivable	14,078	13,952
Derivative financial instruments	0	0
Liabilities
Deposits with no stated maturity	0	0
Deposits with stated maturity	0	0
Accrued interest payable	0	0
Derivative financial instruments	0	0
Significant Un- observable Inputs (Level 3) \| Other borrowings
Liabilities
Borrowings	0	0
Significant Un- observable Inputs (Level 3) \| Subordinated debentures
Liabilities
Borrowings	0	0
Recorded Book Balance
Assets
Cash and due from banks	48,475	52,235
Interest bearing deposits	126,440	86,152
Securities available for sale	482,295	495,909
Securities held to maturity	301,007	309,523
Federal Home Loan Bank and Federal	18,102	18,102
Net loans and loans held for sale	4,264,094	4,221,871
Accrued interest receivable	18,864	19,030
Derivative financial instruments	26,970	29,584
Liabilities
Deposits with no stated maturity	4,052,869	3,967,941
Deposits with stated maturity	827,811	793,741
Accrued interest payable	2,274	1,892
Derivative financial instruments	15,575	19,551
Recorded Book Balance \| Other borrowings
Liabilities
Borrowings	27,010	77,003
Recorded Book Balance \| Subordinated debentures
Liabilities
Borrowings	39,881	39,864
Fair Value
Assets
Cash and due from banks	48,475	52,235
Interest bearing deposits	126,440	86,152
Securities available for sale	482,295	495,909
Securities held to maturity	271,452	282,830
Net loans and loans held for sale	4,079,140	4,062,200
Accrued interest receivable	18,864	19,030
Derivative financial instruments	26,970	29,584
Liabilities
Deposits with no stated maturity	4,052,869	3,967,941
Deposits with stated maturity	825,762	791,598
Accrued interest payable	2,274	1,892
Derivative financial instruments	15,575	19,551
Fair Value \| Other borrowings
Liabilities
Borrowings	26,689	76,680
Fair Value \| Subordinated debentures
Liabilities
Borrowings	$ 40,093	$ 39,761

Shareholders' Equity and Earnings Per Common Share

3 Months Ended

Mar. 31, 2026

Stockholders' Equity Note [Abstract]

Shareholders' Equity and Earnings Per Common Share

Shareholders’ Equity and Earnings Per Common Share

On December 16, 2025, our Board of Directors authorized a share repurchase plan (the “Repurchase Plan”) to buy back up to 1,100,000 shares of our outstanding common stock through December 31, 2026. Shares would be repurchased through open market transactions, though we could execute repurchases through other means, such as privately negotiated transactions. The timing and amount of any share repurchases will depend on a variety of factors, including, among others, securities law restrictions, the trading price of our common stock, regulatory requirements, potential alternative uses for capital, and our financial performance. During the three month period ended March 31, 2026 no shares of common stock were repurchased. During the three month period ended March 31, 2025 there were 1,093 shares of common stock repurchased through open market transactions for an aggregate purchase price of $0.03 million.

A reconciliation of basic and diluted net income per common share follows:


	Three Months Ended March 31,
	2026		2025
	(In thousands, except per share data)
Net income	$	16,875	$	15,590

Weighted average shares outstanding (1)	20,575		20,943
Stock units for deferred compensation plan for non-employee directors	179		177
Performance share units	25		28
Effect of stock options	1		2
Weighted average shares outstanding for calculation of diluted earnings per share	20,780		21,150

Net income per common share
Basic (1)	$	0.82	$	0.74
Diluted	$	0.81	$	0.74

(1)Basic net income per common share includes weighted average common shares outstanding during the period.

Weighted average stock options outstanding that were not considered in computing diluted net income per common share because they were anti-dilutive were zero for the three month periods ended March 31, 2026 and 2025, respectively.

- Definition

The entire disclosure for equity.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 8A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-8A

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-13

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-13

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-14

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 235
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477968/946-235-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 235
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477968/946-235-50-2

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478448/946-505-50-6

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480237/815-40-50-6

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1

Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 505
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/505/tableOfContent

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-13

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-13

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-13

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-14

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-14

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-16

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 18
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-18

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 18
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-18

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 18
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-18

+ Details

Accumulated Other Comprehensive Loss ("AOCL")

3 Months Ended

Mar. 31, 2026

Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]

Accumulated Other Comprehensive Loss ("AOCL")

Accumulated Other Comprehensive Loss (“AOCL”)

A summary of changes in AOCL follows:


	Unrealized Losses on Securities AFS		Unrealized Losses on Securities Transferred to Securities HTM (1)		Dispropor- tionate Tax Effects from Securities AFS		Unrealized Losses on Derivative Instruments		Total
	(In thousands)















For the three months ended March 31,
2026
Balances at beginning of period	$	(40,254)	$	(10,256)	$	(5,798)	$	(1,380)	$	(57,688)
Other comprehensive income (loss) before reclassifications	(3,516)		567		—		(608)		(3,557)
Amounts reclassified from AOCL	21		—		—		200		221
Net current period other comprehensive income (loss)	(3,495)		567		—		(408)		(3,336)
Balances at end of period	$	(43,749)	$	(9,689)	$	(5,798)	$	(1,788)	$	(61,024)

2025
Balances at beginning of period	$	(49,301)	$	(12,775)	$	(5,798)	$	(2,070)	$	(69,944)
Other comprehensive income before reclassifications	1,260		637		—		368		2,265
Amounts reclassified from AOCL	261		—		—		335		596
Net current period other comprehensive income	1,521		637		—		703		2,861
Balances at end of period	$	(47,780)	$	(12,138)	$	(5,798)	$	(1,367)	$	(67,083)

(1)Represents the remaining unrealized loss to be accreted on securities that were transferred from AFS to HTM on April 1, 2022.

The disproportionate tax effects from securities AFS arose due to tax effects of other comprehensive income (“OCI”) in the presence of a valuation allowance against our deferred tax assets and a pretax loss from operations. Generally, the amount of income tax expense or benefit allocated to operations is determined without regard to the tax effects of other categories of income or loss, such as OCI. However, an exception to the general rule is provided when, in the presence of a valuation allowance against deferred tax assets, there is a pretax loss from operations and pretax income from other categories in the current period. In such instances, income from other categories must offset the current loss from operations, the tax benefit of such offset being reflected in operations. Release of material disproportionate tax effects from other comprehensive income to earnings is done by the portfolio method whereby the effects will remain in AOCL as long as we carry a more than inconsequential portfolio of securities AFS.

A summary of reclassifications out of each component of AOCL for the three months ended March 31 follows:


AOCL Component	Amount Reclassified From AOCL		Affected Line Item in Interim Condensed Consolidated Statements of Operations
	(In thousands)
2026
Unrealized losses on securities available for sale
	$	(26)	Net losses on securities available for sale
	(5)		Income tax expense
	$	(21)	Reclassifications, net of tax

Unrealized losses on derivative instruments
	$	(230)	Interest income
	23		Interest expense
	(253)
	(53)		Income tax expense
	$	(200)	Reclassifications, net of tax

	$	(221)	Total reclassifications for the period, net of tax

2025
Unrealized losses on securities available for sale
	$	(330)	Net losses on securities available for sale
	(69)		Income tax expense
	$	(261)	Reclassifications, net of tax

Unrealized losses on derivative instruments
	$	(422)	Interest income
	2		Interest expense
	(424)
	(89)		Income tax expense
	$	(335)	Reclassifications, net of tax

	$	(596)	Total reclassifications for the period, net of tax

Derivative Financial Instruments - Schedule of Derivative Instruments, Gain (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion)	$ (769)	$ 466
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)	(253)	(424)
No hedge designation
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	111	175
No hedge designation \| Rate-lock mortgage loan commitments
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	(64)	268
No hedge designation \| Mandatory commitments to sell mortgage loans
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	175	(93)
No hedge designation \| Fixed Income Interest Rate \| Commercial \| Interest Rate Swap
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	3,528	(9,275)
No hedge designation \| Variable Income Interest Rate \| Commercial \| Interest Rate Swap
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	(3,528)	9,275
Fair Value Hedging \| Interest rate cap agreements - securities available for sale
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion)	58	(155)
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)	(54)	(54)
Gain (Loss) Recognized in Income	0	0
Fair Value Hedging \| Interest rate cap agreements
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion)	58	(155)
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)	(54)	(54)
Gain (Loss) Recognized in Income	1,181	(4,107)
Fair Value Hedging \| Fixed Income Interest Rate \| Pay-fixed interest rate swap agreements - securities available for sale
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	(171)	(2,375)
Fair Value Hedging \| Fixed Income Interest Rate \| Commercial \| Interest Rate Swap
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	15	(85)
Fair Value Hedging \| Fixed Income Interest Rate \| Installment \| Interest Rate Swap
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	687	(682)
Fair Value Hedging \| Fixed Income Interest Rate \| Mortgage \| Interest Rate Swap
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	650	(965)
Cash Flow Hedging
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion)	(827)	621
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)	(199)	(370)
Gain (Loss) Recognized in Income	(199)	(370)
Cash Flow Hedging \| Interest rate cap agreements - short-term funding liabilities
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion)	95	(131)
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)	(23)	(2)
Gain (Loss) Recognized in Income	(23)	(2)
Cash Flow Hedging \| Commercial \| Interest rate floor agreements
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion)	(922)	752
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)	(176)	(368)
Gain (Loss) Recognized in Income	$ (176)	$ (368)

Accumulated Other Comprehensive Loss ("AOCL") (Tables)

3 Months Ended

Mar. 31, 2026

Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]

Schedule of Accumulated Other Comprehensive Loss

A summary of changes in AOCL follows:


	Unrealized Losses on Securities AFS		Unrealized Losses on Securities Transferred to Securities HTM (1)		Dispropor- tionate Tax Effects from Securities AFS		Unrealized Losses on Derivative Instruments		Total
	(In thousands)















For the three months ended March 31,
2026
Balances at beginning of period	$	(40,254)	$	(10,256)	$	(5,798)	$	(1,380)	$	(57,688)
Other comprehensive income (loss) before reclassifications	(3,516)		567		—		(608)		(3,557)
Amounts reclassified from AOCL	21		—		—		200		221
Net current period other comprehensive income (loss)	(3,495)		567		—		(408)		(3,336)
Balances at end of period	$	(43,749)	$	(9,689)	$	(5,798)	$	(1,788)	$	(61,024)

2025
Balances at beginning of period	$	(49,301)	$	(12,775)	$	(5,798)	$	(2,070)	$	(69,944)
Other comprehensive income before reclassifications	1,260		637		—		368		2,265
Amounts reclassified from AOCL	261		—		—		335		596
Net current period other comprehensive income	1,521		637		—		703		2,861
Balances at end of period	$	(47,780)	$	(12,138)	$	(5,798)	$	(1,367)	$	(67,083)

(1)Represents the remaining unrealized loss to be accreted on securities that were transferred from AFS to HTM on April 1, 2022.

Schedule of Reclassifications Out of Each Component of AOCL

A summary of reclassifications out of each component of AOCL for the three months ended March 31 follows:


AOCL Component	Amount Reclassified From AOCL		Affected Line Item in Interim Condensed Consolidated Statements of Operations
	(In thousands)
2026
Unrealized losses on securities available for sale
	$	(26)	Net losses on securities available for sale
	(5)		Income tax expense
	$	(21)	Reclassifications, net of tax

Unrealized losses on derivative instruments
	$	(230)	Interest income
	23		Interest expense
	(253)
	(53)		Income tax expense
	$	(200)	Reclassifications, net of tax

	$	(221)	Total reclassifications for the period, net of tax

2025
Unrealized losses on securities available for sale
	$	(330)	Net losses on securities available for sale
	(69)		Income tax expense
	$	(261)	Reclassifications, net of tax

Unrealized losses on derivative instruments
	$	(422)	Interest income
	2		Interest expense
	(424)
	(89)		Income tax expense
	$	(335)	Reclassifications, net of tax

	$	(596)	Total reclassifications for the period, net of tax

Share Based Compensation (Tables)

3 Months Ended

Mar. 31, 2026

Share-Based Payment Arrangement [Abstract]

Schedule of Restricted Stock and Performance Stock Units Granted

A summary of restricted stock and performance stock units (“PSU”) granted pursuant to our long-term incentive plan follows:


	Three Months Ended March 31,
	2026	2025

Restricted stock	63,457	52,019
PSU	16,859	16,364

Schedule of Nonvested Restricted Stock Units Activity

A summary of outstanding non-vested stock and related transactions follows:


	Number of Shares	Weighted- Average Grant Date Fair Value
Outstanding at January 1, 2026	250,213	$	27.70
Granted	80,316	37.29
Vested	(80,514)	23.87
Forfeited	(4,699)	33.02
Outstanding at March 31, 2026	245,316	$	31.99

Schedule of Share-Based Payment Arrangement, Option, Activity

A summary of outstanding stock option grants and related transactions follows:


	Number of Shares	Average Exercise Price		Weighted- Average Remaining Contractual Term (Years)	Aggregated Intrinsic Value
					(In thousands)
Outstanding at January 1, 2026	2,790	$	13.43
Granted	—
Exercised	(2,790)	13.43
Forfeited	—
Expired	—
Outstanding at March 31, 2026	0	$	—	0	$	—

Vested and expected to vest at March 31, 2026	0	$	—	0	$	—
Exercisable at March 31, 2026	0	$	—	0	$	—

Schedule of Cash Proceeds Received and Tax Benefit from Share-Based Payment Awards

Certain information regarding options exercised during the periods follows:


	Three Months Ended March 31,
	2026		2025
	(In thousands)
Intrinsic value	$	55	$	64
Cash proceeds received	$	—	$	—
Tax benefit realized	$	12	$	13

Fair Value Disclosures - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Asset Impairment Charges [Abstract]
Collateral dependent loans, carrying amount	$ 19.7		$ 18.6
Collateral dependent loans, valuation allowance	7.1		$ 6.8
Accounts receivable, credit loss expense	$ 0.7	$ 1.7

Derivative Financial Instruments - Schedule of Derivative Instruments in Statement of Financial Position, Fair Value (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	$ 26,970	$ 29,584
Liability Derivatives	15,575	19,551
Derivatives designated as hedging instruments
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	11,778	11,861
Liability Derivatives	692	2,026
Derivatives designated as hedging instruments \| Interest rate cap agreements \| Other assets
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	231	78
Derivatives designated as hedging instruments \| Interest rate cap agreements \| Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Liability Derivatives	0	0
Derivatives designated as hedging instruments \| Interest rate floor agreements \| Other assets
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	4,586	4,669
Derivatives designated as hedging instruments \| Interest rate floor agreements \| Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Liability Derivatives	0	0
Derivatives designated as hedging instruments \| Fixed Income Interest Rate \| Interest Rate Swap \| Other assets
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	6,961	7,114
Derivatives designated as hedging instruments \| Fixed Income Interest Rate \| Interest Rate Swap \| Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Liability Derivatives	692	2,026
Derivatives not designated as hedging instruments
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	15,192	17,723
Liability Derivatives	14,883	17,525
Derivatives not designated as hedging instruments \| Rate-lock mortgage loan commitments \| Other assets
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	166	230
Derivatives not designated as hedging instruments \| Rate-lock mortgage loan commitments \| Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Liability Derivatives	0	0
Derivatives not designated as hedging instruments \| Mandatory commitments to sell mortgage loans \| Other assets
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	143	0
Derivatives not designated as hedging instruments \| Mandatory commitments to sell mortgage loans \| Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Liability Derivatives	0	32
Derivatives not designated as hedging instruments \| Fixed Income Interest Rate \| Interest Rate Swap \| Other assets \| Commercial
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	7,533	7,074
Derivatives not designated as hedging instruments \| Fixed Income Interest Rate \| Interest Rate Swap \| Other liabilities \| Commercial
Derivative Instruments, Gain (Loss) [Line Items]
Liability Derivatives	7,350	10,419
Derivatives not designated as hedging instruments \| Variable Income Interest Rate \| Interest Rate Swap \| Other assets \| Commercial
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	7,350	10,419
Derivatives not designated as hedging instruments \| Variable Income Interest Rate \| Interest Rate Swap \| Other liabilities \| Commercial
Derivative Instruments, Gain (Loss) [Line Items]
Liability Derivatives	$ 7,533	$ 7,074

Contingencies - Narrative (Details)		3 Months Ended
Contingencies - Narrative (Details)	May 06, 2024 shares	Mar. 31, 2026 USD ($) claim	Mar. 31, 2025 USD ($)	Apr. 27, 2026 USD ($) $ / shares shares	Dec. 31, 2025 USD ($)	May 05, 2024 USD ($)
Summary of Investment Holdings [Line Items]
Number of pending claims \| claim		3
Litigation expense \| $		$ 1,500,000	$ 0
Visa Class B-2 \| Subsequent Event
Summary of Investment Holdings [Line Items]
Number of shares owned (in shares)				6,283
VISA Class A Stock
Summary of Investment Holdings [Line Items]
Current conversion ratio		1.5075
VISA Class A Stock \| Subsequent Event
Summary of Investment Holdings [Line Items]
Closing price (in dollars per share) \| $ / shares				$ 309.65
VISA Class B-1 \| Subsequent Event
Summary of Investment Holdings [Line Items]
Current value of shares owned \| $				$ 2,900,000
Visa \| Common Stock, Class B-1
Summary of Investment Holdings [Line Items]
Number of shares owned (in shares)	12,566
Investments \| $						$ 0
Visa \| Common Stock, Class C
Summary of Investment Holdings [Line Items]
Exchange offer, shares received (in shares)	2,493
Exchange offer, conversion ratio, non-affiliated holder (in shares)	4
Visa \| Visa Class B-2
Summary of Investment Holdings [Line Items]
Number of shares owned (in shares)	6,283
Investments \| $		$ 0			$ 0

Securities

3 Months Ended

Mar. 31, 2026

Investments, Debt and Equity Securities [Abstract]

Securities

Securities available for sale (“AFS”) consist of the following:


	Amortized Cost		Unrealized
			Gains		Losses		Fair Value
	(In thousands)
March 31, 2026
U.S. agency	$	7,678	$	1	$	428	$	7,251
U.S. agency residential mortgage-backed	92,239		155		6,906		85,488
U.S. agency commercial mortgage-backed	7,846		—		879		6,967
Private label mortgage-backed	39,248		239		2,380		37,107
Other asset backed	29,357		29		447		28,939
Obligations of states and political subdivisions	316,538		1		42,979		273,560
Corporate	43,775		1		1,777		41,999
Trust preferred	991		—		7		984
Total	$	537,672	$	426	$	55,803	$	482,295

December 31, 2025
U.S. agency	$	8,320	$	1	$	404	$	7,917
U.S. agency residential mortgage-backed	87,435		136		6,506		81,065
U.S. agency commercial mortgage-backed	8,039		—		853		7,186
Private label mortgage-backed	42,689		260		2,443		40,506
Other asset backed	30,633		31		479		30,185
Obligations of states and political subdivisions	319,402		—		39,000		280,402
Corporate	49,355		2		1,696		47,661
Trust preferred	990		—		3		987
Total	$	546,863	$	430	$	51,384	$	495,909

Securities held to maturity (“HTM”) consist of the following:


	Carrying Value		Transferred Unrealized Loss (1)		ACL		Amortized Cost		Unrecognized				Fair Value
									Gains		Losses
	(In thousands)
March 31, 2026
U.S. agency	$	22,254	$	1,191	$	—	$	23,445	$	—	$	3,776	$	19,669
U.S. agency residential mortgage-backed	91,271		7,475		—		98,746		—		19,885		78,861
U.S. agency commercial mortgage-backed	3,566		52		—		3,618		—		246		3,372
Private label mortgage-backed	7,274		55		2		7,331		—		231		7,100
Obligations of states and political subdivisions	147,326		3,370		19		150,715		21		16,175		134,561
Corporate	28,357		85		67		28,509		—		1,620		26,889
Trust preferred	959		37		4		1,000		—		—		1,000
Total	$	301,007	$	12,265	$	92	$	313,364	$	21	$	41,933	$	271,452

December 31, 2025
U.S. agency	$	22,446	$	1,220	$	—	$	23,666	$	—	$	3,833	$	19,833
U.S. agency residential mortgage-backed	92,900		7,688		—		100,588		—		19,337		81,251
U.S. agency commercial mortgage-backed	3,734		62		—		3,796		—		249		3,547
Private label mortgage-backed	7,294		80		2		7,376		—		272		7,104
Obligations of states and political subdivisions	149,915		3,717		19		153,651		36		14,278		139,409
Corporate	32,276		177		67		32,520		—		1,834		30,686
Trust preferred	958		38		4		1,000		—		—		1,000
Total	$	309,523	$	12,982	$	92	$	322,597	$	36	$	39,803	$	282,830

(1)Represents the remaining unrealized loss to be accreted on securities that were transferred from AFS to HTM on April 1, 2022.


	Less Than Twelve Months				Twelve Months or More				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
	(In thousands)
March 31, 2026
U.S. agency	$	953	$	2	$	6,238	$	426	$	7,191	$	428
U.S. agency residential mortgage-backed	17,066		151		47,360		6,755		64,426		6,906
U.S. agency commercial mortgage-backed	—		—		6,967		879		6,967		879
Private label mortgage-backed	103		—		36,327		2,380		36,430		2,380
Other asset backed	147		—		24,473		447		24,620		447
Obligations of states and political subdivisions	—		—		273,059		42,979		273,059		42,979
Corporate	4,365		5		37,469		1,772		41,834		1,777
Trust preferred	—		—		984		7		984		7
Total	$	22,634	$	158	$	432,877	$	55,645	$	455,511	$	55,803

December 31, 2025
U.S. agency	$	972	$	1	$	6,884	$	403	$	7,856	$	404
U.S. agency residential mortgage-backed	6,931		5		49,103		6,501		56,034		6,506
U.S. agency commercial mortgage-backed	—		—		7,186		853		7,186		853
Private label mortgage-backed	—		—		39,234		2,443		39,234		2,443
Other asset backed	1,392		3		24,417		476		25,809		479
Obligations of states and political subdivisions	156		9		280,246		38,991		280,402		39,000
Corporate	—		—		45,986		1,696		45,986		1,696
Trust preferred	—		—		987		3		987		3
Total	$	9,451	$	18	$	454,043	$	51,366	$	463,494	$	51,384

Securities AFS in unrealized loss positions are evaluated quarterly for impairment related to credit losses. For securities AFS in an unrealized loss position, we first assess whether we intend to sell, or it is more likely than not that we will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through earnings. No securities AFS met these two criteria during the periods presented. For securities AFS that do not meet this criteria, we evaluate whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, we consider the extent to which fair value is less than amortized cost, adverse conditions specifically related to the security and the issuer and the impact of changes in market interest rates on the market value of the security, among other factors. If this assessment indicates that a credit loss exists, we compare the present value of cash flows expected to be collected from the security with the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis for the security, a credit loss exists and an ACL is recorded, limited to the amount that the fair value of the security is less than its amortized cost basis. Any impairment that has not been recorded through an ACL is recognized in other comprehensive income (loss), net of applicable taxes. No ACL for securities AFS was needed at March 31, 2026 and December 31, 2025. Accrued interest receivable on securities AFS totaled $3.0 million and $3.5

million at March 31, 2026 and December 31, 2025, respectively, and is excluded from the estimate of credit losses and is included in accrued income and other assets in the interim Condensed Consolidated Statements of Financial Condition.

The following is a summary of securities AFS with an unrealized loss by grouping as of March 31, 2026.

U.S. agency, U.S. agency residential mortgage-backed and U.S. agency commercial mortgage-backed securities — at March 31, 2026, we had 29 U.S. agency, 95 U.S. agency residential mortgage-backed and 8 U.S. agency commercial mortgage-backed securities whose fair value is less than amortized cost. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major credit rating agencies, and have a long history of no credit losses. The unrealized losses are largely attributed to widening spreads to Treasury bonds and/or an increase in interest rates since acquisition.

Private label mortgage-backed, other asset backed and corporate securities — at March 31, 2026, we had 46 private label mortgage-backed, 39 other asset backed, and 49 corporate securities whose fair value is less than amortized cost. The unrealized losses are primarily due to credit spread widening and/or an increase in interest rates since acquisition.

Obligations of states and political subdivisions — at March 31, 2026, we had 283 municipal securities whose fair value is less than amortized cost. The unrealized losses are primarily due to an increase in interest rates since acquisition.

Trust preferred securities — at March 31, 2026, we had one trust preferred security whose fair value is less than amortized cost. This trust preferred security is a single issue security issued by a trust subsidiary of a bank holding company. The pricing of trust preferred securities has suffered from credit spread widening. This security is rated by a major rating agency as investment grade.

At March 31, 2026 management does not intend to liquidate any of the securities discussed above and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses.

We recorded no credit related charges in our interim Condensed Consolidated Statements of Operations related to securities AFS during the three month periods ended March 31, 2026 and 2025, respectively.

The ACL on securities HTM is a contra asset valuation account that is deducted from the carrying amount of securities HTM to present the net amount expected to be collected. Securities HTM are charged off against the ACL when deemed uncollectible. Adjustments to the ACL are reported in our interim Condensed Consolidated Statements of Operations in provision for credit losses. We measure expected credit losses on securities HTM on a collective basis by major security type with each type sharing similar risk characteristics, and consider historical credit loss information. Accrued interest receivable on securities HTM totaled $1.6 million and $1.5 million March 31, 2026 and December 31, 2025, respectively, and is excluded from the estimate of credit losses and is included in accrued income and other assets in the interim Condensed Consolidated Statements of Financial Condition. With regard to U.S. Government-sponsored agency and mortgage-backed securities (residential and commercial), all these securities are issued by a U.S. government-sponsored entity and have an implicit or explicit government guarantee; therefore, no allowance for credit losses has been recorded for these securities. With regard to obligations of states and political subdivisions, private label-mortgage-backed, corporate and trust preferred securities HTM, we consider (1) issuer bond ratings, (2) historical loss rates for given bond ratings, (3) the financial condition of the issuer, and (4) whether issuers continue to make timely principal and interest payments under the contractual terms of the securities. The long-term historical loss rates associated with securities having similar grades as those in our portfolio have been insignificant. Furthermore, as of March 31, 2026 and December 31, 2025, there were no past due principal and interest payments associated with these securities. At both those same dates an allowance for credit losses of $92,000 was recorded on non U.S. agency securities HTM based on applying the long-term historical credit loss rate, as published by credit rating agencies, for similarly rated securities.

On a quarterly basis, we monitor the credit quality of securities HTM through the use of credit ratings. The carrying value of securities HTM aggregated by credit quality follow:


	Private Label Mortgage- Backed		Obligations of States and Political Subdivisions		Corporate		Trust Preferred		Carrying Value Total
	(In thousands)
March 31, 2026
Credit rating:
AAA	$	7,274	$	17,123	$	—	$	—	$	24,397
AA	—		113,899		—		—		113,899
A	—		2,745		3,494		—		6,239
BBB	—		440		19,890		—		20,330
BB	—		—		1,988		—		1,988
Non-rated	—		13,119		2,985		959		17,063
Total	$	7,274	$	147,326	$	28,357	$	959	$	183,916

December 31, 2025
Credit rating:
AAA	$	7,294	$	17,357	$	—	$	—	$	24,651
AA	—		116,264		—		—		116,264
A	—		2,740		3,500		—		6,240
BBB	—		441		23,814		—		24,255
BB	—		—		1,983		—		1,983
Non-rated	—		13,113		2,979		958		17,050
Total	$	7,294	$	149,915	$	32,276	$	958	$	190,443

An analysis of the allowance for credit losses by security HTM type for the three months ended March 31 follows:


	Private Label Mortgage- Backed		Obligations of States and Political Subdivisions		Corporate		Trust Preferred		Total
	(In thousands)
2026
Balance at beginning of period	$	2	$	19	$	67	$	4	$	92
Additions (deductions)
Provision for credit losses	—		—		—		—		—
Recoveries credited to the allowance	—		—		—		—		—
Securities HTM charged against the allowance	—		—		—		—		—
Balance at end of period	$	2	$	19	$	67	$	4	$	92

2025
Balance at beginning of period	$	1	$	17	$	111	$	3	$	132
Additions (deductions)
Provision for credit losses	—		—		(3)		—		(3)
Recoveries credited to the allowance	—		—		—		—		—
Securities HTM charged against the allowance	—		—		—		—		—
Balance at end of period	$	1	$	17	$	108	$	3	$	129

There were no securities HTM on nonaccrual or past due at March 31, 2026 and 2025.

The amortized cost and fair value of securities AFS and securities HTM at March 31, 2026, by contractual maturity, follow:


	Securities AFS				Securities HTM
	Amortized Cost		Fair Value		Amortized Cost		Fair Value
	(In thousands)
Maturing within one year	$	24,563	$	24,262	$	15,651	$	15,489
Maturing after one year but within five years	116,871		110,741		42,376		40,399
Maturing after five years but within ten years	41,501		36,829		82,603		73,956
Maturing after ten years	186,047		151,962		63,039		52,275
	368,982		323,794		203,669		182,119
U.S. agency residential mortgage-backed	92,239		85,488		98,746		78,861
U.S. agency commercial mortgage-backed	7,846		6,967		3,618		3,372
Private label mortgage-backed	39,248		37,107		7,331		7,100
Other asset backed	29,357		28,939		—		—
Total	$	537,672	$	482,295	$	313,364	$	271,452

The actual maturity may differ from the contractual maturity because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.

Gains and losses realized on the sale of securities AFS are determined using the specific identification method and are recognized on a trade-date basis. A summary of proceeds from the sale of securities AFS and gains and losses for the three month periods ending March 31, follows:


			Realized
	Proceeds		Gains		Losses
	(In thousands)
2026	$	3,256	$	—	$	26
2025	22,503		1		331

The tax benefit related to these net realized losses was $0.01 million and $0.07 million for the three month periods ending March 31, 2026 and 2025, respectively.

Condensed Consolidated Statements of Shareholders' Equity - USD ($) $ in Thousands	Total	Common Stock	Retained Earnings	Accumulated Other Comprehensive Loss
Balances at beginning of period at Dec. 31, 2024	$ 454,686	$ 318,777	$ 205,853	$ (69,944)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	15,590		15,590
Cash dividends declared	(5,448)		(5,448)
Repurchase of common stock	(33)	(33)
Share based compensation	758	758
Share based compensation withholding obligation	(1,137)	(1,137)
Other comprehensive income (loss)	2,861			2,861
Balances at end of period at Mar. 31, 2025	467,277	318,365	215,995	(67,083)
Balances at beginning of period at Dec. 31, 2025	502,951	307,845	252,794	(57,688)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	16,875		16,875
Cash dividends declared	(5,771)		(5,771)
Share based compensation	688	688
Share based compensation withholding obligation	(854)	(854)
Other comprehensive income (loss)	(3,336)			(3,336)
Balances at end of period at Mar. 31, 2026	$ 510,553	$ 307,679	$ 263,898	$ (61,024)

- 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

- Definition

Equity impact of the value of stock that has been repurchased during the period and has not been retired and is not held in treasury. Some state laws may mandate the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.

+ References + Details

- Definition

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

+ References

+ Details

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Statement of Cash Flows [Abstract]
Net income	$ 16,875	$ 15,590
Adjustments to Reconcile Net Income to Net Cash From (Used in) Operating Activities
Proceeds from sales of loans held for sale	84,635	75,999
Disbursements for loans held for sale	(94,075)	(75,684)
Provision for credit losses	362	721
Deferred income tax benefit (expense)	1,397	(1,036)
Net deferred loan fees	470	814
Net depreciation, amortization of intangible assets and premiums and accretion of discounts on securities and loans	2,372	2,352
Net gains on mortgage loans	(1,308)	(2,303)
Net losses on sales of securities available for sale	26	330
Net loss on sale of capitalized mortgage loan servicing rights	0	94
Share based compensation	688	758
Decrease in accrued income and other assets	4,137	3,845
Decrease in accrued expenses and other liabilities	(24,736)	(2,228)
Total Adjustments	(26,032)	3,662
Net Cash From (Used in) Operating Activities	(9,157)	19,252
Cash Flow From (Used in) Investing Activities
Proceeds from the sale of securities available for sale	3,256	22,503
Proceeds from maturities, prepayments and calls of securities available for sale	14,716	11,105
Proceeds from maturities, prepayments and calls of securities held to maturity	9,059	3,122
Purchases of securities available for sale	(5,432)	(1,000)
Purchases of Federal Home Loan Bank stock	0	(697)
Proceeds from the redemption of Federal Home Loan Bank stock	0	1,209
Net increase in portfolio loans (loans originated, net of principal payments)	(35,399)	(41,952)
Proceeds from the sale of portfolio loans	1,465	8,912
Proceeds from bank-owned life insurance	0	431
Proceeds from the sale of other real estate and repossessed assets	226	823
Proceeds from the sale of property and equipment	23	0
Capital expenditures	(4,609)	(1,122)
Proceeds from the sale of capitalized mortgage loan servicing rights	0	12,447
Net Cash From (Used in) Investing Activities	(16,695)	15,781
Cash Flow From (Used in) Financing Activities
Net increase (decrease) in total deposits	118,998	(20,157)
Net increase in other borrowings	7	5
Proceeds from Federal Home Loan Bank Advances	75,000	95,000
Payments of Federal Home Loan Bank Advances	(125,000)	(95,000)
Dividends paid	(5,771)	(5,448)
Repurchase of common stock	0	(33)
Share based compensation withholding obligation	(854)	(1,137)
Net Cash From (Used in) Financing Activities	62,380	(26,770)
Net Increase in Cash and Cash Equivalents	36,528	8,263
Cash and Cash Equivalents at Beginning of Period	138,387	119,882
Cash and Cash Equivalents at End of Period	174,915	128,145
Cash paid during the period for
Interest	18,932	21,576
Income taxes	0	2,500
Transfers to other real estate and repossessed assets	112	232
Right of use assets obtained in exchange for lease obligations	0	335
Purchase of securities held to maturity not yet settled	$ 4,022	$ 0

Regulatory Matters - Schedule of Regulatory Capital (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025	Mar. 31, 2025	Dec. 31, 2024
Components of regulatory capital [Abstract]
Total shareholders' equity	$ 510,553	$ 502,951	$ 467,277	$ 454,686
Add (deduct)
Accumulated other comprehensive loss for regulatory purposes	(61,024)	(57,688)
Consolidated
Components of regulatory capital [Abstract]
Total shareholders' equity	510,553	502,951
Add (deduct)
Accumulated other comprehensive loss for regulatory purposes	55,226	51,890
Goodwill and other intangibles	(29,186)	(29,301)
Common equity tier 1 capital	536,593	525,540
Qualifying trust preferred securities	38,657	38,640
Tier 1 capital	575,250	564,180
Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets	57,492	57,326
Total risk-based capital	632,742	621,506
Independent Bank
Components of regulatory capital [Abstract]
Total shareholders' equity	497,636	490,911
Add (deduct)
Accumulated other comprehensive loss for regulatory purposes	55,226	51,890
Goodwill and other intangibles	(29,186)	(29,301)
Common equity tier 1 capital	523,676	513,500
Qualifying trust preferred securities	0	0
Tier 1 capital	523,676	513,500
Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets	57,414	57,250
Total risk-based capital	$ 581,090	$ 570,750

Condensed Consolidated Statements of Financial Condition (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Assets
Securities held-to-maturity, fair value	$ 271,452	$ 282,830
Shareholders’ Equity
Securities held-to-maturity, fair value	$ 271,452	$ 282,830
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	200,000	200,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	500,000,000	500,000,000
Common stock, shares issued (in shares)	20,585,805	20,548,893
Common stock, shares outstanding (in shares)	20,585,805	20,548,893

New Accounting Standards (Policies)	3 Months Ended
New Accounting Standards (Policies)	Mar. 31, 2026
Accounting Standards Update and Change in Accounting Principle [Abstract]
New Accounting Standards	In December, 2024, the FASB issued ASU 2024-03, "Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses". This ASU requires public business entities to disaggregate certain expense captions into specific categories in disclosures within the footnotes to the consolidated financial statements. This ASU takes effect in annual reporting periods beginning after December 15, 2026, and interim reporting periods within annual reporting periods beginning after December 15, 2027, with early adoption permitted. We do not expect the adoption of this ASU to have a material impact on our interim Condensed Consolidated Financial Statements. In November 2025, the FASB issued ASU 2025-08, "Financial Instruments—Credit Losses (Topic 326): Purchased Financial Assets". This ASU amends the accounting for purchased credit deteriorated (“PCD”) financial assets and non-purchased credit deteriorated ("non-PCD") financial assets under Topic 326. The amendments broaden the population of financial assets that are within the scope of the gross-up approach under Topic 326 to include purchased seasoned loans ("PSL"), which are defined as non-PCD loans that are obtained in a business combination, or non-PCD loans that (1) are obtained in an asset acquisition or upon consolidation of a variable interest entity that is not a business and (2) are acquired more than 90 days after their origination date by a transferee that was not involved in their origination. This eliminates the day-one earnings impact that previously occurred for non-PCD loans. The ASU also requires separate presentation of the initial ACL for PSLs within the ACL rollforward. This ASU is effective for fiscal years beginning after December 15, 2026, with early adoption permitted. The adoption of this ASU effective October 1, 2025 did not have a material impact on our interim Condensed Consolidated Financial Statements.

Pending Acquisition	3 Months Ended
Pending Acquisition	Mar. 31, 2026
Business Combination [Abstract]
Pending Acquisition	Pending Acquisition On March 18, 2026, we entered into a definitive merger agreement with HCB Financial Corp. ("HCB") (the "Merger Agreement") providing for a business combination of Independent Bank Corporation ("IBCP") and HCB. The Merger Agreement provides that, upon the terms and subject to the conditions set forth in the Merger Agreement, HCB will be merged with and into IBCP, with IBCP as the surviving corporation (the "Merger"). In addition, IBCP intends to consolidate Highpoint Community Bank, HCB's wholly-owned subsidiary bank, with and into the Independent Bank (with Independent Bank as the surviving institution). Subject to the terms and conditions of the Merger Agreement, we will pay aggregate Merger consideration of approximately $70.2 million in IBCP common stock and cash for all of the shares of HCB common stock issued and outstanding immediately before the effective time of the Merger. The Merger consideration is subject to adjustment in certain limited circumstances, as set forth in the Merger Agreement. Completion of the Merger is subject to certain closing conditions, including (among others) receipt of the requisite approval of HCB's shareholders, receipt of required regulatory approvals, and the absence of any law or order prohibiting completion of the Merger. The Merger Agreement provides certain termination rights for both IBCP and HCB and further provides that, upon termination of the Merger Agreement under certain limited circumstances, HCB will be obligated to pay IBCP a termination fee of approximately $3.25 million. A meeting of the HCB shareholders will be scheduled to consider and vote upon a proposal to approve the Merger Agreement between IBCP and HCB. Assuming requisite HCB shareholder approval, receipt of all required regulatory approvals and satisfaction of other closing conditions, the merger of IBCP and HCB is currently expected to be effective during the third quarter of 2026. Our 2026 non-interest expenses include $0.3 million of costs incurred through March 31, 2026 related to the Merger. As of March 31, 2026, HCB had total assets of $597.2 million, total loans of $369.9 million, total deposits of $545.8 million, and total shareholders' equity of $47.5 million.

- Definition

The entire disclosure for business combination.

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+ Details

Regulatory Matters

3 Months Ended

Mar. 31, 2026

Regulatory Matters [Abstract]

Regulatory Matters

Capital guidelines adopted by federal and state regulatory agencies and restrictions imposed by law limit the amount of cash dividends our Bank can pay to us. Under these guidelines, the amount of dividends that may be paid in any calendar year is limited to the Bank’s current year net profits, combined with the retained net profits of the preceding two years. Further, the Bank cannot pay a dividend at any time that it has negative undivided profits. As of March 31, 2026, the Bank had positive undivided profits of $232.7 million. It is not our intent to have dividends paid in amounts that would reduce the capital of our Bank to levels below those which we consider prudent or that would not be in accordance with guidelines of regulatory authorities.

We are also subject to various regulatory capital requirements. The prompt corrective action regulations establish quantitative measures to ensure capital adequacy and require minimum amounts and ratios of total, Tier 1, and common equity Tier 1 capital to risk-weighted assets and Tier 1 capital to average assets. Failure to meet minimum capital requirements can result in certain mandatory, and possibly discretionary, actions by regulators that could have a material effect on our interim condensed consolidated financial statements. In addition, capital adequacy rules include a common equity Tier 1 capital conservation buffer of 2.5% of risk-weighted assets that applies to all supervised financial institutions. To avoid limits on capital distributions and certain discretionary bonus payments we must meet the minimum ratio for adequately capitalized institutions plus the buffer. Under capital adequacy guidelines, we must meet specific capital requirements that involve quantitative measures as well as qualitative judgments by the regulators. The most recent regulatory filings as of March 31, 2026 and December 31, 2025, categorized our Bank as well capitalized and exceeding the minimum ratio for adequately capitalized institutions plus the capital conservation buffer. Management is not aware of any conditions or events that would have changed the most recent Federal Deposit Insurance Corporation (“FDIC”) categorization.

Our actual capital amounts and ratios follow (1):


	Actual				Minimum for Adequately Capitalized Institutions				Minimum for Well-Capitalized Institutions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(Dollars in thousands)
March 31, 2026
Total capital to risk-weighted assets
Consolidated	$	632,742	13.79	%	$	367,024	8.00	%	NA		NA
Independent Bank	581,090		12.68		366,515		8.00		$	458,144	10.00	%

Tier 1 capital to risk-weighted assets
Consolidated	$	575,250	12.54	%	$	275,268	6.00	%	NA		NA
Independent Bank	523,676		11.43		274,886		6.00		$	366,515	8.00	%

Common equity tier 1 capital to risk-weighted assets
Consolidated	$	536,593	11.70	%	$	206,451	4.50	%	NA		NA
Independent Bank	523,676		11.43		206,165		4.50		$	297,793	6.50	%

Tier 1 capital to average assets
Consolidated	$	575,250	10.34	%	$	222,477	4.00	%	NA		NA
Independent Bank	523,676		9.43		222,243		4.00		$	277,803	5.00	%

December 31, 2025
Total capital to risk-weighted assets
Consolidated	$	621,506	13.59	%	$	365,958	8.00	%	NA		NA
Independent Bank	570,750		12.49		365,463		8.00		$	456,829	10.00	%

Tier 1 capital to risk-weighted assets
Consolidated	$	564,180	12.33	%	$	274,468	6.00	%	NA		NA
Independent Bank	513,500		11.24		274,098		6.00		$	365,463	8.00	%

Common equity tier 1 capital to risk-weighted assets
Consolidated	$	525,540	11.49	%	$	205,851	4.50	%	NA		NA
Independent Bank	513,500		11.24		205,573		4.50		$	296,939	6.50	%

Tier 1 capital to average assets
Consolidated	$	564,180	10.27	%	$	219,663	4.00	%	NA		NA
Independent Bank	513,500		9.36		219,422		4.00		$	274,278	5.00	%

_______________________________________


(1)			These ratios do not reflect a capital conservation buffer of 2.50% at March 31, 2026 and December 31, 2025.

NA - Not applicable

The components of our regulatory capital are as follows:


	Consolidated				Independent Bank
	March 31, 2026		December 31, 2025		March 31, 2026		December 31, 2025
	(In thousands)
Total shareholders' equity	$	510,553	$	502,951	$	497,636	$	490,911
Add (deduct)
Accumulated other comprehensive loss for regulatory purposes	55,226		51,890		55,226		51,890
Goodwill and other intangibles	(29,186)		(29,301)		(29,186)		(29,301)
Common equity tier 1 capital	536,593		525,540		523,676		513,500
Qualifying trust preferred securities	38,657		38,640		—		—
Tier 1 capital	575,250		564,180		523,676		513,500
Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets	57,492		57,326		57,414		57,250
Total risk-based capital	$	632,742	$	621,506	$	581,090	$	570,750

- Definition

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

+ References + Details

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

Condensed Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Statement of Comprehensive Income [Abstract]
Net income	$ 16,875	$ 15,590
Securities available for sale
Unrealized gains (losses) arising during period	(4,449)	1,596
Accretion of net unrealized losses on securities transferred to held to maturity	717	806
Reclassification adjustments for losses included in earnings	26	330
Unrealized gains (losses) recognized in other comprehensive income (loss) on securities available for sale	(3,706)	2,732
Income tax expense (benefit)	(778)	574
Unrealized gains (losses) recognized in other comprehensive income (loss) on securities available for sale, net of tax	(2,928)	2,158
Derivative instruments
Unrealized gains (losses) arising during period	(769)	466
Reclassification adjustment for expense recognized in earnings	253	424
Unrealized gains (losses) recognized in other comprehensive income (loss) on derivative instruments	(516)	890
Income tax expense (benefit)	(108)	187
Unrealized gains (losses) recognized in other comprehensive income (loss) on derivative instruments, net of tax	(408)	703
Other comprehensive income (loss)	(3,336)	2,861
Comprehensive income	$ 13,539	$ 18,451

Revenue From Contracts With Customers - Schedule of Disaggregation of Revenue (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	$ 7,588	$ 7,342
Bank owned life insurance income	322	296
Other	1,210	1,449
Total	2,951	3,146
Service Charges on Deposit Accounts
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	2,935	2,814
Overdraft fees \| Retail
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	2,098	2,108
Overdraft fees \| Business
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	114	113
Account service charges \| Retail
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	723	593
Other Deposit Related Income
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	610	648
ATM fees \| Retail
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	343	355
ATM fees \| Business
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	10	10
Other \| Retail
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	143	184
Other \| Business
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	114	99
Interchange income
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	3,234	3,127
Investment and Insurance Commissions
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	809	753
Asset management revenue
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	424	410
Transaction based revenue
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	$ 385	$ 343

Goodwill and Other Intangibles (Tables)

3 Months Ended

Mar. 31, 2026

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Acquired Finite-Lived Intangible Assets by Major Class

The following table summarizes intangible assets, net of amortization:


	March 31, 2026				December 31, 2025
	Gross Carrying Amount		Accumulated Amortization		Gross Carrying Amount		Accumulated Amortization
	(In thousands)

Amortized intangible assets - core deposits	$	11,916	$	11,030	$	11,916	$	10,915
Unamortized intangible assets - goodwill	$	28,300			$	28,300

Schedule of Finite-Lived Intangible Assets, Future Amortization Expense

A summary of estimated core deposits intangible amortization at March 31, 2026 follows:


	(In thousands)

Nine months ending December 31, 2026	345
2027	434
2028	107
Total	$	886

Regulatory Matters - Schedule of Capital Amounts and Ratios (Details) $ in Thousands	Mar. 31, 2026 USD ($)	Dec. 31, 2025 USD ($)
Tier 1 capital to average assets
Capital conservation buffer	0.0250	0.0250
Consolidated
Total capital to risk-weighted assets
Actual	$ 632,742	$ 621,506
Actual, ratio	0.1379	0.1359
Minimum for Adequately Capitalized Institutions	$ 367,024	$ 365,958
Minimum for adequately capitalized institutions, ratio	0.0800	0.0800
Tier 1 capital to risk-weighted assets
Actual	$ 575,250	$ 564,180
Actual, ratio	0.1254	0.1233
Minimum for Adequately Capitalized Institutions	$ 275,268	$ 274,468
Minimum for adequately capitalized institutions, ratio	0.0600	0.0600
Common equity tier 1 capital to risk-weighted assets
Actual	$ 536,593	$ 525,540
Actual, ratio	0.1170	0.1149
Minimum for Adequately Capitalized Institutions	$ 206,451	$ 205,851
Minimum for adequately capitalized institutions, ratio	0.0450	0.0450
Tier 1 capital to average assets
Actual	$ 575,250	$ 564,180
Actual, ratio	0.1034	0.1027
Minimum for Adequately Capitalized Institutions	$ 222,477	$ 219,663
Minimum for adequately capitalized institutions, ratio	0.0400	0.0400
Independent Bank
Total capital to risk-weighted assets
Actual	$ 581,090	$ 570,750
Actual, ratio	0.1268	0.1249
Minimum for Adequately Capitalized Institutions	$ 366,515	$ 365,463
Minimum for adequately capitalized institutions, ratio	0.0800	0.0800
Minimum for Well-Capitalized Institutions	$ 458,144	$ 456,829
Minimum for well-capitalized institutions, ratio	0.1000	0.1000
Tier 1 capital to risk-weighted assets
Actual	$ 523,676	$ 513,500
Actual, ratio	0.1143	0.1124
Minimum for Adequately Capitalized Institutions	$ 274,886	$ 274,098
Minimum for adequately capitalized institutions, ratio	0.0600	0.0600
Minimum for Well-Capitalized Institutions	$ 366,515	$ 365,463
Minimum for well capitalized institutions, ratio	0.0800	0.0800
Common equity tier 1 capital to risk-weighted assets
Actual	$ 523,676	$ 513,500
Actual, ratio	0.1143	0.1124
Minimum for Adequately Capitalized Institutions	$ 206,165	$ 205,573
Minimum for adequately capitalized institutions, ratio	0.0450	0.0450
Minimum for Well-Capitalized Institutions	$ 297,793	$ 296,939
Minimum for well-capitalized institutions, ratio	0.0650	0.0650
Tier 1 capital to average assets
Actual	$ 523,676	$ 513,500
Actual, ratio	0.0943	0.0936
Minimum for Adequately Capitalized Institutions	$ 222,243	$ 219,422
Minimum for adequately capitalized institutions, ratio	0.0400	0.0400
Minimum for Well-Capitalized Institutions	$ 277,803	$ 274,278
Minimum for well capitalized institutions, ratio	0.0500	0.0500

Shareholders' Equity and Earnings Per Common Share - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 16, 2025
Class of Stock [Line Items]
Stock repurchased during period (in shares)		1,093
Stock repurchased during period, value		$ 33
Share-Based Payment Arrangement, Option
Class of Stock [Line Items]
Antidilutive shares excluded from computation of diluted loss per share (in shares)	0	0
Common Stock
Class of Stock [Line Items]
Number of shares authorized for repurchase (in shares)			1,100,000
Stock repurchased during period (in shares)	0	1,093
Stock repurchased during period, value		$ 33

- Definition

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

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-Name Accounting Standards Codification
-Section 50
-Paragraph 8A
-Publisher FASB
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147481112/505-10-50-2

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 5: http://www.xbrl.org/2003/role/exampleRef
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-URI https://asc.fasb.org/1943274/2147481112/505-10-50-13

Reference 6: http://www.xbrl.org/2003/role/recommendedDisclosureRef
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483014/272-10-45-3

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147482987/272-10-50-1

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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-Subparagraph (a)
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-URI https://asc.fasb.org/1943274/2147481112/505-10-50-13

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-URI https://asc.fasb.org/1943274/2147481112/505-10-50-13

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-URI https://asc.fasb.org/1943274/2147481112/505-10-50-13

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147481112/505-10-50-13

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-14

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 505
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-Paragraph 18
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-18

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
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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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Reference 18: http://www.xbrl.org/2003/role/disclosureRef
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Reference 20: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3

+ Details

- Definition

+ References + Details

- Definition

+ References + Details

Share Based Compensation - Options Exercised During the Periods (Details) - Share-Based Payment Arrangement, Option - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Share-Based Compensation Arrangement by Share-Based Payment Award, Additional General Disclosures [Abstract]
Intrinsic value	$ 55	$ 64
Cash proceeds received	0	0
Tax benefit realized	$ 12	$ 13

Leases - Schedule of Supplemental Balance Sheet Information Related to Operating Leases (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Assets and Liabilities, Lessee [Abstract]
Lease right of use asset	$ 7,003	$ 7,296
Lease liabilities	$ 7,219	$ 7,528
Weighted average remaining lease term (years)	6 years 7 months 17 days	6 years 9 months 14 days
Weighted average discount rate	4.40%	4.40%
Operating lease, right-of-use asset, statement of financial position [extensible enumeration]	Other Assets	Other Assets
Operating lease, liability, statement of financial position [extensible enumeration]	Other Liabilities	Other Liabilities

Contingencies	3 Months Ended
Contingencies	Mar. 31, 2026
Commitments and Contingencies Disclosure [Abstract]
Contingencies	Contingencies Pressures from various global and national macroeconomic conditions, including significant volatility and uncertainty in U.S. and global market conditions, inflationary pressures, recessionary concerns, uncertainty regarding future interest rates, energy and other commodity price volatility, foreign currency exchange rate fluctuations, the continuation of the Russia-Ukraine war, ongoing conflict in the Middle East, and actual or potential changes in fiscal, trade, regulatory, and monetary policy, continue to create economic uncertainty for our customers, the markets in which we operate, and the financial services industry. The extent to which these pressures and other factors may impact our business, results of operations, asset valuations, financial condition, and customers will depend on future developments, which continue to be highly uncertain and difficult to predict. Material adverse impacts may include all or a combination of valuation impairments on our other intangibles, goodwill, securities available for sale, securities held to maturity, loans, capitalized mortgage loan servicing rights or deferred tax assets. We continue to closely monitor and analyze the higher risk segments within our portfolio, and senior management is cautiously optimistic that we are positioned to continue managing the impact of the varied set of risks and uncertainties currently impacting the global and U.S. economies. However, a high degree of uncertainty still exists with respect to the impact of these evolving and fluid macroeconomic conditions on the future performance of our loan portfolio, the value of our securities portfolio, and our financial results. Litigation We are involved in various litigation matters in the ordinary course of business, which currently include three putative class action complaints brought against the Bank alleging that its practice of charging overdraft and other fees was not consistent with the disclosures the Bank made to consumers. These lawsuits are similar to lawsuits that have recently been filed against other financial institutions pertaining to overdraft fee disclosures. No class has been certified in any of the putative class action complaints brought against the Bank, and we believe we have valid defenses to each of the claims that have been made. Currently, these three actions are being coordinated for pre-trial and other purposes. During the quarter, we recorded an accrual for losses we consider probable as a result of all of our outstanding litigation matters in the aggregate amount of $1.5 million, reflected as Litigation Expense in the interim condensed consolidated statement of operations. However, because of the inherent uncertainty of outcomes from any litigation matter, we believe it is reasonably possible we may incur losses in addition to the amounts we have accrued. At this time, we are unable to provide an estimate of the losses that we believe are reasonably possible in addition to the amounts we have accrued, primarily because we are still conducting diligence on certain underlying factual and legal issues and significant matters remain to be resolved, including class certification of the actions described in the preceding paragraph. The litigation matters described in the preceding paragraph primarily include claims that have been brought against us for damages, but do not include litigation matters where we seek to collect amounts owed to us by third parties (such as litigation initiated to collect delinquent loans). These excluded, collection-related matters may involve claims or counterclaims by the opposing party or parties, but we have excluded such matters from the disclosure contained in the preceding paragraph in all cases where we believe the possibility of us paying damages to any opposing party is remote. Visa Stock On May 6, 2024, we exchanged 12,566 shares of Visa Inc. Class B-1 common stock (all of the Class B-1 shares we owned) for 2,493 shares of Visa Inc. Class C common stock and 6,283 shares of Visa Inc. Class B-2 common stock pursuant to an exchange offer conducted by Visa. Each Class C share automatically converts to 4 shares of Visa Inc. Class A common stock upon a transfer to anyone other than a Visa member or an affiliate of a Visa member. The Class B-2 shares have the same transfer restrictions as the transfer restrictions on the Class B-1 shares and can only be sold to other Class B shareholders. Because of the very limited liquidity for the Class B-1 shares (prior to completion of the exchange offer) and uncertainty regarding the likelihood, ultimate timing, and eventual exchange rate for Class B-1 shares into Class A shares, we were carrying these shares at zero (prior to the completion of the exchange offer), representing cost basis less impairment. In light of the continued uncertainty regarding the likelihood, ultimate timing, and eventual exchange rate for Class B-2 shares into Class A shares, we are carrying the Class B-2 shares at zero at both March 31, 2026 and December 31, 2025, representing cost basis less impairment. However, given the current conversion ratio of 1.5075 Class A shares for every 1 Class B-2 share and the closing price of Visa Class A shares on April 27, 2026 of $309.65 per share, our 6,283 Class B-2 shares would have a current “value” of approximately $2.9 million. In April, 2026 Visa commenced another exchange offer that, if completed on the terms announced by Visa, will allow us to exchange up to all of our Class B-2 shares for a combination of Class B-3 shares and Class A shares (plus cash in lieu of any fractional shares). We currently intend to participate in that exchange offer; however, we have no control over whether the exchange offer will be completed on the terms announced or at all. As a condition to our participation in the exchange offer, we were required to enter into a Makewhole Agreement that will require us to reimburse Visa in certain circumstances if certain litigation in which Visa has been involved since 2008 results in damages significantly higher than Visa currently expects. Potential payments under the Makewhole Agreement are designed to equal the decline in value we would have experienced had we not participated in Visa’s exchange offer. Based on the disclosures that have been made by Visa regarding the status of this litigation and other circumstances relating to the exchange offer and potential future, similar exchange offers, we believe the likelihood we will have to make any payments under the Makewhole Agreement is remote.

Securities - Schedule of Debt Securities, Held-to-Maturity, Credit Quality (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	$ 301,007	$ 309,523
Private label mortgage-backed
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	7,274	7,294
Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	147,326	149,915
Corporate
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	28,357	32,276
Trust preferred
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	959	958
AAA
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	24,397	24,651
AAA \| Private label mortgage-backed
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	7,274	7,294
AAA \| Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	17,123	17,357
AAA \| Corporate
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	0	0
AAA \| Trust preferred
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	0	0
AA
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	113,899	116,264
AA \| Private label mortgage-backed
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	0	0
AA \| Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	113,899	116,264
AA \| Corporate
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	0	0
AA \| Trust preferred
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	0	0
A
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	6,239	6,240
A \| Private label mortgage-backed
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	0	0
A \| Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	2,745	2,740
A \| Corporate
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	3,494	3,500
A \| Trust preferred
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	0	0
BBB
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	20,330	24,255
BBB \| Private label mortgage-backed
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	0	0
BBB \| Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	440	441
BBB \| Corporate
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	19,890	23,814
BBB \| Trust preferred
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	0	0
BB
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	1,988	1,983
BB \| Private label mortgage-backed
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	0	0
BB \| Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	0	0
BB \| Corporate
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	1,988	1,983
BB \| Trust preferred
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	0	0
Non-rated
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	17,063	17,050
Non-rated \| Private label mortgage-backed
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	0	0
Non-rated \| Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	13,119	13,113
Non-rated \| Corporate
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	2,985	2,979
Non-rated \| Trust preferred
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	959	958
Credit Rated and Non-rated Securities HTM
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss
Carrying value	$ 183,916	$ 190,443

Fair Value Disclosures - Quantitative Information About Level 3 (Details)	Mar. 31, 2026 USD ($)	Dec. 31, 2025 USD ($)
Mortgage and Installment \| Collateral Other Than Real Estate
Ranges and Weighted Average [Abstract]
Loans receivable, fair value disclosure	$ 500,000	$ 370,000
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Income approach \| Collateral dependent loans, commercial \| Commercial
Ranges and Weighted Average [Abstract]
Loans receivable, fair value disclosure	$ 9,314,000	9,826,000
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Income approach \| Capitalization rate \| Collateral dependent loans, commercial \| Commercial
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	0.100
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Sales comparison approach \| Collateral dependent loans, commercial \| Commercial \| Loan Receivable 2
Ranges and Weighted Average [Abstract]
Loans receivable, fair value disclosure	$ 804,000	648,000
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Sales comparison approach \| Collateral dependent loans, commercial \| Mortgage and Installment
Ranges and Weighted Average [Abstract]
Loans receivable, fair value disclosure	1,447,000	1,094,000
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Discounting financial statement and machinery and equipment appraised values \| Collateral dependent loans, commercial \| Commercial
Ranges and Weighted Average [Abstract]
Loans receivable, fair value disclosure	$ 8,090,000	$ 7,010,000
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Minimum \| Income approach \| Discount rate \| Collateral dependent loans, commercial \| Commercial
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	0.100	0.090
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Minimum \| Sales comparison approach \| Adjustment for differences between comparable sales \| Collateral dependent loans, commercial \| Commercial \| Loan Receivable 1
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	(0.500)	(0.500)
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Minimum \| Sales comparison approach \| Adjustment for differences between comparable sales \| Collateral dependent loans, commercial \| Commercial \| Loan Receivable 2
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	(0.180)	(0.180)
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Minimum \| Sales comparison approach \| Adjustment for differences between comparable sales \| Collateral dependent loans, commercial \| Mortgage and Installment
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	(0.220)	(0.177)
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Minimum \| Discounting financial statement and machinery and equipment appraised values \| Discount rate \| Collateral dependent loans, commercial \| Commercial
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	0.320	0.400
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Maximum \| Income approach \| Discount rate \| Collateral dependent loans, commercial \| Commercial
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	0.160	0.160
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Maximum \| Sales comparison approach \| Adjustment for differences between comparable sales \| Collateral dependent loans, commercial \| Commercial \| Loan Receivable 1
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	0.150	0.150
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Maximum \| Sales comparison approach \| Adjustment for differences between comparable sales \| Collateral dependent loans, commercial \| Commercial \| Loan Receivable 2
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	0.420	0.650
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Maximum \| Sales comparison approach \| Adjustment for differences between comparable sales \| Collateral dependent loans, commercial \| Mortgage and Installment
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	0.151	0.169
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Maximum \| Discounting financial statement and machinery and equipment appraised values \| Discount rate \| Collateral dependent loans, commercial \| Commercial
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	0.650	0.650
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Weighted Average \| Income approach \| Discount rate \| Collateral dependent loans, commercial \| Commercial
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	0.142	0.135
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Weighted Average \| Income approach \| Capitalization rate \| Collateral dependent loans, commercial \| Commercial
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	0.100
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Weighted Average \| Sales comparison approach \| Adjustment for differences between comparable sales \| Collateral dependent loans, commercial \| Commercial \| Loan Receivable 1
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	(0.006)	(0.006)
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Weighted Average \| Sales comparison approach \| Adjustment for differences between comparable sales \| Collateral dependent loans, commercial \| Commercial \| Loan Receivable 2
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	0.087	0.087
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Weighted Average \| Sales comparison approach \| Adjustment for differences between comparable sales \| Collateral dependent loans, commercial \| Mortgage and Installment
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	0.003	0.002
Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Non-recurring Basis: \| Weighted Average \| Discounting financial statement and machinery and equipment appraised values \| Discount rate \| Collateral dependent loans, commercial \| Commercial
Ranges and Weighted Average [Abstract]
Loans receivable, measurement input	0.388	0.472
Mortgage Loan Servicing, net \| Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Recurring Basis
Asset Fair Value [Abstract]
Servicing asset, fair value	$ 32,233,000	$ 31,493,000
Mortgage Loan Servicing, net \| Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Recurring Basis \| Present value of net servicing revenue \| Float rate
Ranges and Weighted Average [Abstract]
Servicing asset	0.0391	0.0375
Mortgage Loan Servicing, net \| Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Recurring Basis \| Minimum \| Present value of net servicing revenue \| Discount rate
Ranges and Weighted Average [Abstract]
Servicing asset	0.0950	0.0950
Mortgage Loan Servicing, net \| Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Recurring Basis \| Minimum \| Present value of net servicing revenue \| Cost to service (in US Dollars)
Ranges and Weighted Average [Abstract]
Servicing asset	69	69
Mortgage Loan Servicing, net \| Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Recurring Basis \| Minimum \| Present value of net servicing revenue \| Ancillary income (in US Dollars)
Ranges and Weighted Average [Abstract]
Servicing asset	20	20
Mortgage Loan Servicing, net \| Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Recurring Basis \| Minimum \| Present value of net servicing revenue \| Prepayment rate
Ranges and Weighted Average [Abstract]
Servicing asset	0.0539	0.0539
Mortgage Loan Servicing, net \| Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Recurring Basis \| Maximum \| Present value of net servicing revenue \| Discount rate
Ranges and Weighted Average [Abstract]
Servicing asset	0.1959	0.1865
Mortgage Loan Servicing, net \| Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Recurring Basis \| Maximum \| Present value of net servicing revenue \| Cost to service (in US Dollars)
Ranges and Weighted Average [Abstract]
Servicing asset	832	817
Mortgage Loan Servicing, net \| Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Recurring Basis \| Maximum \| Present value of net servicing revenue \| Ancillary income (in US Dollars)
Ranges and Weighted Average [Abstract]
Servicing asset	30	30
Mortgage Loan Servicing, net \| Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Recurring Basis \| Maximum \| Present value of net servicing revenue \| Prepayment rate
Ranges and Weighted Average [Abstract]
Servicing asset	0.4376	0.3962
Mortgage Loan Servicing, net \| Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Recurring Basis \| Weighted Average \| Present value of net servicing revenue \| Discount rate
Ranges and Weighted Average [Abstract]
Servicing asset	0.0997	0.0994
Mortgage Loan Servicing, net \| Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Recurring Basis \| Weighted Average \| Present value of net servicing revenue \| Cost to service (in US Dollars)
Ranges and Weighted Average [Abstract]
Servicing asset	80	80
Mortgage Loan Servicing, net \| Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Recurring Basis \| Weighted Average \| Present value of net servicing revenue \| Ancillary income (in US Dollars)
Ranges and Weighted Average [Abstract]
Servicing asset	21	20
Mortgage Loan Servicing, net \| Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Recurring Basis \| Weighted Average \| Present value of net servicing revenue \| Float rate
Ranges and Weighted Average [Abstract]
Servicing asset	0.0391	0.0375
Mortgage Loan Servicing, net \| Significant Un- observable Inputs (Level 3) \| Measured at Fair Value on a Recurring Basis \| Weighted Average \| Present value of net servicing revenue \| Prepayment rate
Ranges and Weighted Average [Abstract]
Servicing asset	0.0916	0.0960